Patent ID: 8548426

Claim:
A computer-implemented method, comprising: communicating by a server computer with a user terminal over a data communications network; confirming an identity of the user of the user terminal prior to the user submitting a payment request to the server computer from the user terminal over the data communications network, wherein the confirming of the identity of the user is performed in connection with a plurality of separate payment requests received from the user terminal, wherein the confirming the identity of the user comprises: receiving the telephone number of the user from the user terminal; transmitting a first code to a mobile device at the telephone number of the user; receiving a second code from the mobile device at the telephone number; matching the first code and the second code to confirm the identity of the user; receiving the payment request from the user terminal, the payment request including a telephone number of the user; approving the payment request based on the confirming of the identity of the user, wherein the approving is further based on matching the payment request with a pattern of the separate payment requests, wherein the pattern is based at least in part on time instance of the payment request and at least in part on payment amount; and processing the payment request using funds associated with the telephone number.