公开(公告)号：EP2422485A1

公开(公告)日：2012-02-29

申请号：EP10767506.8

申请日：2010-04-08

申请人： Boku, Inc.

发明人： SMITH, Glyn Barry ,  KINGSTON, Jonathan Michael

IPC分类号： H04L9/00

CPC分类号： G06Q20/32 ,  G06Q20/12 ,  G06Q20/42 ,  G06Q20/425

摘要： Systems and methods are provided to facilitate on-site processing of transaction requests. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format to transmit a message to a telephone at the telephone number of the user to prompt the user to confirm a request and to receive a confirmation of the request via the telephone. The request is received via a user interface embedded in a web page of a first website without reloading or refreshing the web page.

公开(公告)号：EP3014557A2

公开(公告)日：2016-05-04

申请号：EP14818355.1

申请日：2014-06-26

申请人： Boku, Inc.

发明人： BROWNE, John, P. ,  PANKHUDI, Pankhudi ,  ELKANOVA, Natalya ,  MCINTYRE, James, C. ,  MA, Annie Minh

IPC分类号： G06Q40/00

CPC分类号： G06Q20/12 ,  G06Q20/123 ,  G06Q20/16 ,  G06Q20/30 ,  G06Q20/32 ,  G06Q20/325 ,  G06Q20/42 ,  G06Q20/425

摘要： A phone-on-file opt-in method is described. A phone-on-file opt-in request is received at the billing server including a msisdn and a merchant supplied unique consumer identifier. The billing server confirms the phone-on-file opt-in with a consumer device and records a phone-on-file opt-in status as active if the first phone-on-file is confirmed. A charge method includes receiving, at the billing server, a charge API call from a merchant server including at least one identifier and an amount, determining a phone-on-file opt-in status corresponding to the identifier at the billing server and transmitting a request to charge a user account to a carrier server if the phone-on-file opt-in status is active, but not if the phone-on-file opt-in status is inactive, the request including an amount corresponding to the amount received in the charge API call.

摘要翻译： 描述电话文件选择加入方法。 在计费服务器处接收包括msisdn和商家提供的唯一消费者标识符的电话文件选择加入请求。 如果第一个电话文件被确认，则计费服务器确认消费者设备的电话文件选择加入并将电话文件选择加入状态记录为活动。 收费方法包括在账单服务器处接收来自商家服务器的收费API呼叫，所述收费API包括至少一个标识符和金额，确定与账单服务器处的标识符相对应的电话档案选择加入状态， 请求在电话文件选择启用状态处于活动状态时向运营商服务器收费，但如果电话文件选择启用状态处于非活动状态则不向用户帐户收取费用，该请求包括与收到的金额相对应的金额 在收费API调用中。

公开(公告)号：EP2603891A2

公开(公告)日：2013-06-19

申请号：EP11817044.8

申请日：2011-08-11

申请人： Boku, Inc.

发明人： BASKERVILLE, Daniel

IPC分类号： G06Q20/00 ,  H04W4/24 ,  H04W4/12

CPC分类号： G06Q20/32 ,  G06Q20/10 ,  G06Q20/16 ,  G06Q20/223 ,  G06Q20/3255

摘要： In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a phone number, a payment amount and a payee, and in response, use a pinging message to determine telecommunication carrier information of the phone number, select a converter, determine a set of premium messages in accordance with the telecommunication carrier information, and use the selected converter to transmit the set of premium messages to the phone number to collect funds to pay the payee on behalf of a user of the mobile phone.

公开(公告)号：EP2529344A1

公开(公告)日：2012-12-05

申请号：EP11737516.2

申请日：2011-01-25

申请人： Boku, Inc.

发明人： HIRSON, Ron ,  YOO, David

IPC分类号： G06Q20/00

CPC分类号： G06Q20/32 ,  G06F2221/2101 ,  G06F2221/2117 ,  G06Q20/42 ,  H04L9/3228 ,  H04L63/0853 ,  H04L63/18 ,  H04L67/146 ,  H04L2209/56 ,  H04W12/06

摘要： Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store account information with a phone number of the user and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats; and the converters are configured to communicate with the common format processor in a common format to facilitate authentication of the user to sign in the account.

公开(公告)号：EP2510490A1

公开(公告)日：2012-10-17

申请号：EP10836611.3

申请日：2010-12-08

申请人： Boku, Inc.

发明人： HIRSON, Ron ,  NIEJADLIK, Martine

IPC分类号： G06Q40/00

CPC分类号： H04L63/18 ,  G06Q20/32 ,  G06Q20/3255 ,  G06Q20/40 ,  G06Q20/4016 ,  H04L63/083 ,  H04L63/0853 ,  H04L63/107 ,  H04L2463/082 ,  H04M15/00 ,  H04M15/68 ,  H04W4/24

摘要： Systems and methods are provided to improve security of payment transactions via mobile communications. In one aspect, a system includes an interchange having a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format for the confirmation of payment requests, made via mobile phones. The common format processor is to determine a risk of a payment request being fraudulent based on the personal identification information associated with a mobile phone and, after the payment request is confirmed and when the risk is below a threshold, to communicate one or more premium messages to the mobile phone to collect funds to fulfill the payment request.

摘要翻译： 提供系统和方法以通过移动通信来提高支付交易的安全性。 在一个方面，系统包括具有通用格式处理器和多个转换器的交换机，以与移动通信的多个不同控制器进行接口。 转换器被配置为以不同格式与控制器进行通信，并以通用格式与通用格式处理器进行通信，用于通过移动电话进行的支付请求的确认。 通用格式处理器是基于与移动电话相关联的个人识别信息来确定付款请求是欺诈的风险，并且在支付请求被确认之后以及当风险低于阈值时，要传送一个或多个优质消息 到手机收集资金来完成付款请求。

公开(公告)号：EP2435961A1

公开(公告)日：2012-04-04

申请号：EP10780949.3

申请日：2010-02-18

申请人： Boku, Inc.

发明人： HIRSON, Ron ,  REIDY, Nicholas

IPC分类号： G06Q10/00

CPC分类号： H04L63/18 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q50/01 ,  H04L12/1881 ,  H04L67/22 ,  H04L67/306

摘要： Systems and methods to authenticate and process requests received via social networking websites. In one aspect, a system includes a data storage facility to store data associating a first phone number of a user with an identification of the user in a social networking website; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of controllers of mobile communications. The converters communicate with the controllers in different formats and with the common format processor in a common format. The common format processor receives a request including the identification of the user, identifies the first phone number of the user based on the data stored on the data storage facility, and uses the converters to communicate with a mobile phone at the first phone number to confirm the request.

公开(公告)号：EP3011513A2

公开(公告)日：2016-04-27

申请号：EP14791524.3

申请日：2014-04-28

申请人： Boku, Inc.

发明人： BROWNE, John P. ,  PANKHUDI, Pankhudi ,  MCINTYRE, James C. ,  PAWLOWSKI, Marcin L. ,  VILAISAKULYONG, Teerawat

IPC分类号： G06Q20/16

CPC分类号： H04L12/1403 ,  G06Q20/00 ,  H04L63/00 ,  H04L63/083 ,  H04M15/09 ,  H04W4/14 ,  H04W4/24 ,  H04W12/06 ,  H04W12/08

摘要： The billing gateway charge method and system are disclosed. A charge is processed by receiving a charge API call from a merchant server, detecting a select carrier server from a plurality of servers, transmitting a charge request to the select carrier server, and returning a charge result callback notification to the merchant server. If the charge request fails, the merchant server can submit a new request and an indication of acceptance and failure of the charge request is returned to the merchant server based on the new requests provided that the new request has a new request-id. A continue method allows for managing consumer opt-in in order to complete a transaction. Once the transaction is completed, a refund request from the merchant server can be processed by transmission to the carrier server. A transaction is authorized by receiving an authorize API call from a merchant server, detecting a select carrier server, and transmitting an authorize request to the select carrier server. The carrier server will then reserve an amount of funds based on the authorization request. The authorized transaction is then recorded based on the authorize request. The consumer may then request to cancel the transaction. If a capture request is received, a determination is made whether the cancel request has been received and whether the authorized transaction has been cancelled. If the transaction has not been cancelled, a billing request is transmitted to the carrier server so that the carrier server charges for the transaction.

公开(公告)号：EP2529344A4

公开(公告)日：2015-07-15

申请号：EP11737516

申请日：2011-01-25

申请人： BOKU INC

发明人： HIRSON RON ,  YOO DAVID

IPC分类号： G06Q20/00 ,  G06Q20/32 ,  G06Q20/42 ,  H04L9/32 ,  H04L29/06 ,  H04L29/08 ,  H04W12/06

CPC分类号： G06Q20/32 ,  G06F2221/2101 ,  G06F2221/2117 ,  G06Q20/42 ,  H04L9/3228 ,  H04L63/0853 ,  H04L63/18 ,  H04L67/146 ,  H04L2209/56 ,  H04W12/06

公开(公告)号：EP2411947A1

公开(公告)日：2012-02-01

申请号：EP10756532.7

申请日：2010-02-18

申请人： Boku, Inc.

发明人： SMITH, Glyn Barry ,  HIRSON, Ron ,  REIDY, Nicholas

IPC分类号： G06Q10/00

CPC分类号： G06Q30/06 ,  G06Q10/10 ,  G06Q20/227 ,  G06Q20/32 ,  G06Q20/35785 ,  G06Q20/425

摘要： Systems and methods to verify and process requests received via social networking websites. In one aspect, a system includes a data storage facility to store data associated with a first phone number; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of controllers of mobile communications. The converters communicate with the controllers in different formats and with the common format processor in a common format. The common format processor receives a request from a first user via a social networking website, identifies a first phone number of the first user and a second phone number of a second user, based on the social networking website, and uses the converters to communicate with at least one of the mobile phones at the first and second phone numbers to confirm and/or approve the request.

摘要翻译： 用于验证和处理通过社交网站收到的请求的系统和方法。 在一个方面，一种系统包括：数据存储设施，用于存储与第一电话号码相关联的数据; 以及与数据存储设备连接的交换机。 该互换包括一个通用格式处理器和多个与多个移动通信控制器接口的转换器。 转换器以不同格式与控制器进行通信，并与通用格式处理器以通用格式进行通信。 通用格式处理器通过社交网站接收来自第一用户的请求，基于社交网站识别第一用户的第一电话号码和第二用户的第二电话号码，并使用转换器与 在第一和第二电话号码中的至少一个移动电话确认和/或批准该请求。

公开(公告)号：EP2603891A4

公开(公告)日：2018-01-03

申请号：EP11817044

申请日：2011-08-11

申请人： BOKU INC

发明人： BASKERVILLE DANIEL

IPC分类号： G06Q20/00 ,  G06Q20/10 ,  G06Q20/16 ,  G06Q20/32 ,  H04W4/12 ,  H04W4/24

CPC分类号： G06Q20/32 ,  G06Q20/10 ,  G06Q20/16 ,  G06Q20/223 ,  G06Q20/3255

摘要： In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a phone number, a payment amount and a payee, and in response, use a pinging message to determine telecommunication carrier information of the phone number, select a converter, determine a set of premium messages in accordance with the telecommunication carrier information, and use the selected converter to transmit the set of premium messages to the phone number to collect funds to pay the payee on behalf of a user of the mobile phone.