发明名称 |
Method to enable consumers to make purchases at E-commerce websites using their mobile number |
摘要 |
A method and system include receiving, by a computer from an e-Commerce website, a payment authorization request that comprises payment data and a Mobile Station International Subscriber Directory Number (MSISDN) associated with a mobile device; verifying the MSISDN by comparing MSISDN to a subscriber database; generating a message to verify a payment transaction at the e-Commerce website, after the MSISDN is validated; receiving the verification message at the mobile device; verifying the payment transaction by transmitting a mobile personal identification number (PIN) associated with the MSISDN in response to the verification message; generating an authorization message indicating the payment transaction is one of approved or declined; and transmitting the authorization message to a merchant associated with the e-Commerce website. Numerous other aspects are provided. |
申请公布号 |
US9477956(B2) |
申请公布日期 |
2016.10.25 |
申请号 |
US201414573116 |
申请日期 |
2014.12.17 |
申请人 |
Mastercard International Incorporated |
发明人 |
Gupta Akshat;Pareja Ricardo |
分类号 |
G06F17/30;G06Q20/32;G06Q20/40 |
主分类号 |
G06F17/30 |
代理机构 |
Buckley, Maschoff & Talwalkar LLC |
代理人 |
Buckley, Maschoff & Talwalkar LLC |
主权项 |
1. A method comprising:
receiving, by a computer from an e-Commerce website, a payment authorization request that comprises payment data and a Mobile Station International Subscriber Directory Number (MSISDN) associated with a mobile device; verifying the MSISDN is valid by comparing MSISDN to a subscriber database; generating a message to verify a payment transaction at the e-Commerce website, after the MSISDN is validated; receiving the verification message at the mobile device; verifying the payment transaction by transmitting a mobile personal identification number (PIN) associated with the MSISDN in response to the verification message; generating an authorization message indicating the payment transaction is one of approved or declined; and transmitting the authorization message to a merchant associated with the e-Commerce website. |
地址 |
Purchase NY US |