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Patent

System and method for authenticating user, server for transacting merchandise(or contents) and recording medium

About: The article was published on 2006-10-04. It has received 30 citations till now.
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Patent
18 Feb 2010
TL;DR: In this paper, the authors present a system that includes a data storage facility to store data associating a first phone number of a user with an identification of the user in a social networking website.
Abstract: Systems and methods to authenticate and process requests received via social networking websites. In one aspect, a system includes a data storage facility to store data associating a first phone number of a user with an identification of the user in a social networking website; 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 of mobile communications. The converters communicate with the controllers in different formats and with the common format processor in a common format. The common format processor receives a request including the identification of the user, identifies the first phone number of the user based on the data stored on the data storage facility, and uses the converters to communicate with a mobile phone at the first phone number to confirm the request.

171 citations

Patent
08 Dec 2010
TL;DR: In this paper, the authors proposed a scheme to improve the security of payment transactions via mobile communications by using a common format processor to determine a risk of a payment request being fraudulent based on the personal identification information associated with a mobile phone and to communicate one or more premium messages to the mobile phone to collect funds to fulfill the payment request.
Abstract: Systems and methods are provided to improve security of payment transactions via mobile communications. In one aspect, a system includes an interchange having 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 to communicate with the common format processor in a common format for the confirmation of payment requests, made via mobile phones. The common format processor is to determine a risk of a payment request being fraudulent based on the personal identification information associated with a mobile phone and, after the payment request is confirmed and when the risk is below a threshold, to communicate one or more premium messages to the mobile phone to collect funds to fulfill the payment request.

117 citations

Patent
17 Mar 2009
TL;DR: In this paper, a data storage facility is used to store an account identifier of a user and a phone number of the user and an interchange is provided to facilitate online transactions via mobile communications.
Abstract: Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user 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 different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange uses the converters to communicate with the mobile phone of a user to confirm the identity of the user using a user terminal separate from the mobile phone for subsequent payment requests from the user terminal to be fulfilled using the account identifier.

96 citations

Patent
24 Mar 2011
TL;DR: In this article, the authors describe a system where a common format processor and a plurality of converters are configured to communicate with the controllers in different formats and with the common format processors in common format.
Abstract: 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.

78 citations

Patent
08 Apr 2010
TL;DR: In this article, a system for on-site processing of transaction requests is presented. But the system is not suitable for mobile devices and it requires the user to send a message to a telephone at the telephone number of the user and receive a confirmation of the request via the telephone.
Abstract: Systems and methods are provided to facilitate on-site processing of transaction requests. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user 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 different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format to transmit a message to a telephone at the telephone number of the user to prompt the user to confirm a request and to receive a confirmation of the request via the telephone. The request is received via a user interface embedded in a web page of a first website without reloading or refreshing the web page.

73 citations