Patent ID: 9111272
Filing Date: 2015-08-18
Classification: G06F,G06Q

Abstract:
1. A method to process a payment transaction at a computing device, the method comprising: associating a first mobile phone number of a purchaser with a second, different mobile phone number of a payer; receiving a payment request at the computing device directly via a network from the purchaser authorized to make a payment using a bank account or credit card issued to the payer by an issuer, the payment request comprising the first mobile phone number of the purchaser; determining whether the second, different mobile phone number of the payer associated with the first mobile phone number of the purchaser exists in a database at the computing device, the second, different mobile phone number further associated with payment information comprising information enabling access to the bank account or credit card issued to the payer by the issuer; after determining the second, different mobile phone number associated with the first mobile phone number exists in the database at the computing device, generating a message comprising notification of the payment request and a request for authorization for the payment using the bank account or credit card issued to the payer; transmitting the message to a mobile phone of the payer using the second, different mobile phone number of the payer; and processing at the computing device the payment transaction using the payment information after receiving authorization for the payment request from the second, different mobile phone number of the payer.