Systems and methods to process payments via account identifiers and phone numbers
US8583496B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Apr 26, 2011 |
| Grant date | Nov 12, 2013 |
| Priority date | — |
| Expiry date | Apr 29, 2031 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07F9/001
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Systems and methods are provided to facilitate transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores data associating a phone number of a user and an account identifier of the user. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format. The common format processor uses one of the converters to transmit premium messages to the phone number to collect funds via a telecommunication carrier, receives a payment request having the account identifier, identifies the phone number based on the account identifier, and makes a payment on behalf of the user using the collected funds.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.