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    • 7. 发明授权
    • Systems and methods to restrict payment transactions
    • 限制支付交易的系统和方法
    • US08700524B2
    • 2014-04-15
    • US13071158
    • 2011-03-24
    • Michael WilliamsJonathan Michael KingstonKelly Jane Mullins
    • Michael WilliamsJonathan Michael KingstonKelly Jane Mullins
    • G06Q40/00
    • H04W4/24G06Q20/12G06Q20/16H04M15/47H04M15/888
    • Systems and methods are provided to selectively restrict payment transactions. In one aspect, a system includes: a data storage facility to store restriction data in association with a 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 mobile controllers. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. In response to a payment request identifying the phone number and a merchant, the common format processor determines whether to reject the payment request based at least in part on the restriction data and the identity of the merchant. If the request is not rejected, the common format processor uses one of the converters to communicate with a telephonic apparatus at the phone number to confirm the payment request.
    • 提供系统和方法以选择性地限制支付交易。 一方面,一种系统包括:数据存储设备,用于存储与电话号码相关联的限制数据; 以及与数据存储设施相结合的交换。 交换机包括通用格式处理器和与移动控制器接口的多个转换器。 转换器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。 响应于识别电话号码和商家的支付请求,公共格式处理器至少部分地基于限制数据和商家的身份来确定是否拒绝支付请求。 如果请求不被拒绝,则通用格式处理器使用其中一个转换器与电话号码通信,以确认支付请求。