Patent ID: 8615437

Claim:
A computer system for managing electronic transactions, comprising: a server computer system including: a processor; a computer-readable medium connected to the processor; a network interface device connected to the processor; and a set of instructions on the computer-readable medium, the set of instructions being executable by the processor and including: a data store; a plurality of consumer accounts stored in the data store, each consumer account having a Mobile Subscriber Integrated Services Digital Network Number (MSISDN) and a first consumer account identifier that is not an MSISDN; a communication and routing module that receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier, wherein the second consumer account identifier is not an MSISDN, and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier; an authorization module extracting the MSISDN from the selected consumer account when the selected consumer account is identified, transmitting an authorization request over the network interface device to a consumer device at the extracted MSISDN, and receiving a response to the authorization request over the network interface device from the consumer device; and a transaction processing system that processes the amount of the charge request based on an account detail of the selected consumer account, wherein the amount of the charge request is processed only if the response is an authorization response.