Patent ID: 9652761
Date: 2017-05-16
CPC Classifications: G06Q

Claim:
1. A computer-implemented method, comprising: receiving a bank account identifier from a user at an interchange computer; associating, at the interchange computer, the bank account identifier with a telephone number serving as an account identifier at the interchange computer of the user using a user terminal; receiving, at the interchange computer a request for a payment from a payee computer connected to the user terminal, wherein a page with a domain of the payee is displayed by the user terminal; in response to the request, transmitting by the interchange computer a page to the user terminal to prompt the user to confirm the request for the payment, including a selection of an option by a user between a payment associated with the bank account identifier and a payment associated with the telephone number, the page having a domain of the interchange computer that is different from the domain of the payee; receiving by the interchange computer a confirmation of the request from the user terminal using the page having the domain of the interchange computer, including the option by the user; directing a display of the user terminal back to the domain of the payee after receiving the option; in response to the confirmation, selecting and executing one of a first process and a second process by the interchange computer based on the option by the user, the first process including transmitting, by the interchange computer, a confirmation message to a mobile phone at the telephone number, determining, by the interchange computer, whether a reply message is received from the mobile phone at the telephone number, and, if a confirmation is received, then communicating by the interchange computer with a financial institution to charge the user according to the bank account identifier to fulfill the request for the payment associated with the bank account identifier, and the second process including transmitting, by the interchange computer, a confirmation message to a mobile phone at the telephone number, determining, by the interchange computer, whether a reply message is received from the mobile phone at the telephone number, and, if a confirmation is received, then communicating, by the interchange computer, with the computer with a carrier to charge the user according to an account associated with the telephone number at the carrier to fulfill the request for the payment if the option by the user is for payment associated with the phone number; and paying, by the interchange computer, the payee computer an amount based on the request.