SECURE CONSUMER AUTHORIZATION AND AUTOMATED CONSUMER SERVICES USING AN INTERMEDIARY SERVICE

摘要

A transaction processing service that operates as an intermediary between aggregators of transaction requests, service providers, consumers, and third-party recipients of data, is disclosed. As used herein, a transaction request is a request for consumer services to be provided to a consumer or third-party, a consumer's authorization of such consumer services, and/or a consumer's authorization of applicable terms, policies, contracts, or agreements. The intermediary service utilizes a consumer's mobile device as an out-of-band communication channel to notify a consumer of a received transaction request and to receive a consumer's authorization of the transaction. Once a transaction is authorized, the intermediary service facilitates the consumer services related to the transaction and provides a service response from one or more service providers to the user's mobile device and/or another service target.