Systems and methods to selectively authenticate via mobile communications
US8699994B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 16, 2010 |
| Grant date | Apr 15, 2014 |
| Priority date | — |
| Expiry date | Mar 11, 2031 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04M15/44
- WIPO fieldTelecommunications
- WIPO sectorElectrical engineering
Abstract
Systems and methods to accelerate transactions made via mobile communications. In one aspect, a system includes: a data storage facility to store information associated with past payment transactions and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of controllers. The converters are configured to communicate with the controllers in different formats, and to communicate with the common format processor in a common format. After a payment request identifying the phone number is received in the interchange, the common format processor is to determine whether to skip mobile communications with a mobile phone at the phone number to confirm/authenticate the request, based on real time information about the current transaction, the historical transaction data related to the phone number, and other data such as social graph data related to the user of the phone number.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.