Patent ID: 8958772
Filing Date: 2015-02-17
Classification: G06Q,H04M,H04W

Abstract:
1. A computer-implemented method of accelerating transactions via mobile communications, comprising: storing, with a computing device, at least one data element in association with a phone number in a data storage facility of the computing device; receiving, in the computing device, a payment request to make a payment for an amount using funds associated with the phone number; determining, using the computing device in response to the request, whether to skip mobile communications with a mobile phone at the phone number to confirm the request, the determination being based on the data element; if the determination based on the data element in the account is to not skip the mobile communications, communicating using the computing device with the mobile phone at the phone number to confirm the request such that the communication with the mobile phone is responsive to the data element indicating not to skip mobile communications and, upon confirmation of the request, billing using the computing device a user of the phone number an amount based on the amount in the payment request using a funding source associated with the phone number such that the billing is responsive to the data element indicating not to skip mobile communications and the confirmation of the request; and if the determination based on the data element in the account is to skip the mobile communications, billing using the computing device a user of the phone number an amount based on the amount in the payment request using the funding source associated with the phone number such that the billing is responsive to the data element indicating to skip mobile communications without the communicating with the mobile phone.