Systems and Methods for Facilitating Transactions to Payment Accounts, Via SMS Messaging
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United States of America Patent
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Issued Date -
Nov 17, 2016
app pub date -
May 10, 2016
filing date -
May 11, 2015
priority date (Note) -
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Abstract
Systems and methods are provided for processing transactions to payment accounts. One exemplary method includes receiving a transaction request from a merchant relating to a transaction between a consumer and the merchant, transmitting a verification message to the merchant including a verification code, and receiving a verified transaction request from the merchant. At least one of the transaction request and the verified transaction request includes a telephone number associated with the consumer and an amount of the transaction. The method also includes transmitting a confirmation request to the consumer including a confirmation code, when the verified transaction request includes said verification code. The method further includes receiving a confirmation response from the consumer and transmitting an authorization request for the transaction, when the confirmation response includes said confirmation code.
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