Method for processing multimodal mobile donations via text message and email communication

A non-transitory computer readable storage medium that stores instructions for improving security of a transaction that spans a plurality of computer networks by utilizing Short Message Service (SMS) messages and Simple Mail Transfer Protocol (SMTP), the instructions when executed by a processor cause the processor to execute a method, the method comprising:

• receiving, by the processor, a SMS message from a mobile device of a user via a phone number, wherein the SMS message is received using a first communication interface that is communicatively coupled to a first network of the plurality of computer networks, wherein the SMS message is associated with the transaction and phone number is associated with a plurality of potential recipients of a transfer of funds for the transaction;
• determining, by the processor, a particular recipient for the transfer of the funds for the transaction from the plurality of potential recipients based on contents of the SMS message;
• transmitting, by the processor, an email response message to an email address of the user via the first network based on the SMS message using SMTP, wherein the email response message includes a link that includes information indicating an amount of the transaction and identifies the particular recipient;
• receiving, by the processor, a confirmation email message that authorizes the transaction from the mobile device via the first network, wherein the confirmation email message is transmitted via SMTP in response to activation of the link included in the email response message;
• and
• in response to receiving the confirmation email message, initiating, by the processor, the transfer of the funds in the amount of the transaction from an account of the user to the particular recipient using a second communication interface that is communicatively coupled to a second network of the plurality of computer networks, wherein the second network includes a server of a financial institution.

A system for improving security of a transaction that spans a plurality of computer networks by utilizing Short Message Service (SMS) and Simple Mail Transfer Protocol (SMTP), the system comprising:

• a first communication interface that is communicatively coupled to a mobile device via a first network from the plurality of computer networks;
• a second communication interface that is communicatively coupled to server of a financial institution via a second network from the plurality of computer networks;
• and
• a processor that is communicatively coupled to the first communication interface and the second communication interface, wherein the processor:
• receives, using the first communication interface, an SMS message from the mobile device of a user via a phone number, wherein the SMS message is associated with the transaction and the phone number is associated with a plurality of potential recipients of a transfer of funds for the transaction,
• determine a particular recipient for the transfer of the funds for the transaction from the plurality of potential recipients based on contents of the SMS message,
• transmits, using the first communication interface, an email response message to an email address of the user via SMTP based on the SMS message received, wherein the email response message includes a link that contains information indicating an amount of the transaction and identifies the particular recipient,
• receives, using the first communication interface, a confirmation email message that authorizes the transaction from the mobile device via SMTP, wherein the confirmation email message is generated in response to activation of the link included in the email response message, and
• in response to receiving the confirmation email message, initiates the transfer of the funds in the amount of the transaction from an account of the user to the particular recipient using the second communication interface.