Systems and methods to secure transactions via mobile devices

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United States of America Patent

PATENT NO 8412626
APP PUB NO 20110143711A1
SERIAL NO

12962048

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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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.

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Patent Owner(s)

Patent OwnerAddress
BOKU INC201 MISSION STREET 10TH FLOOR SAN FRANCISCO CA 94105

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Hirson, Ron San Francisco, US 151 8571
Niejadlik, Martine Los Altos, US 4 466

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