Systems and methods to restrict payment transactions
a payment transaction and payment system technology, applied in the field of systems, can solve the problem that the aggregator typically does not have the capacity to deliver messages directly to the mobile phon
Inactive Publication Date: 2014-03-27
BOKU
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Benefits of technology
This patent describes a system and method for controlling online transactions using mobile communications. The system includes a data storage facility to store restriction data and an interchange with a common format processor. The common format processor is able to communicate with different types of controllers and determine if to reject a payment request based on the restriction data and the merchant's identity. The system can also communicate with a telephonic apparatus to confirm the payment request and transmit a notification to the merchant after confirmation. The technical effects of this patent include increased security and efficiency in controlling online transactions through mobile communications.
Problems solved by technology
An aggregator typically does not have the capacity to deliver the messages directly to the mobile phones.
Method used
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[0039]The following description and drawings are illustrative and are not to be construed as limiting. Numerous specific details are described to provide a thorough understanding. However, in certain instances, well known or conventional details are not described in order to avoid obscuring the description. References to one or an embodiment in the present disclosure are not necessarily references to the same embodiment; and, such references mean at least one.
[0040]Reference in this specification to “one embodiment” or “an embodiment” means that a particular feature, structure, or characteristic described in connection with the embodiment is included in at least one embodiment of the disclosure. The appearances of the phrase “in one embodiment” in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Moreover, various features are described which may be exhibi...
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Systems and methods are provided to selectively restrict payment transactions. In one aspect, a system includes: a data storage facility to store restriction data in association with a phone number; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with mobile 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. In response to a payment request identifying the phone number and a merchant, the common format processor determines whether to reject the payment request based at least in part on the restriction data and the identity of the merchant. If the request is not rejected, the common format processor uses one of the converters to communicate with a telephonic apparatus at the phone number to confirm the payment request.
Description
CROSS-REFERENCE TO RELATED APPLICATIONS[0001]The present application is a continuation of U.S. patent application Ser. No. 13 / 071,158, filed Mar. 24, 2011, which claims the benefit of Prov. U.S. Pat. App. Ser. No. 61 / 429,695, filed Jan. 4, 2011 and entitled “Systems and Methods to Restrict Payment Transactions,” the disclosures of which are hereby incorporated herein by reference.[0002]The present application relates to U.S. patent application Ser. No. 12 / 813,428, filed Jun. 10, 2010 and entitled “Systems and Methods to Provide Access Control via Mobile Phones,” which claims priority to Provisional U.S. Patent Application Ser. No. 61 / 317,591, filed Mar. 25, 2010 and entitled “Systems and Methods to Provide Access Control via Mobile Phones”, the disclosures of which applications are hereby incorporated herein by reference.[0003]The present application also relates to U.S. patent application Ser. No. 12 / 406,077, filed Mar. 17, 2009 and entitled “Systems and Methods to Control Online T...
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IPC IPC(8): H04W4/24
CPCH04W4/24H04M15/47H04M15/888G06Q20/12G06Q20/16G06Q20/384
Inventor WILLIAMS, MICHAELKINGSTON, JONATHAN MICHAELMULLINS, KELLY JANE
Owner BOKU