Systems and Methods to Facilitate Online Transactions
First Claim
1. A computer implemented method, comprising:
- receiving, in a computing device, requests to pay respective merchants according to respective purchase prices, specified by the respective merchants, for respective items purchased from the respective merchants by respective customers;
determining, by the computing device, respective service fees for processing respective payments for the respective items, wherein ratios between the respective service fees and the respective purchase prices are different;
determining, by the computing device, combinations of premium messages to match total prices of the combinations of premium messages with sums of the respective purchase prices and the respective service fees; and
sending, by the computing device, the combinations of the premium messages to respective mobile phones of the respective customers via a telecommunication carrier.
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Accused Products
Abstract
Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a plurality of converters to interface with a plurality of controllers in different formats for delivery of premium messages sent by the system to collect funds; and a common format processor coupled with the plurality of converters in a common format to send the premium messages. The common format processor is configured to receive requests to pay respective merchants according to respective purchase prices for respective items purchased by respective customers, dynamically determine respective service fees for processing respective payments for the respective items to have different ratios between the respective service fees and the respective purchase prices, determine combinations of premium messages, and send the combinations of the premium messages to respective mobile phones of the respective customers via a telecommunication carrier.
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Citations
20 Claims
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1. A computer implemented method, comprising:
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receiving, in a computing device, requests to pay respective merchants according to respective purchase prices, specified by the respective merchants, for respective items purchased from the respective merchants by respective customers; determining, by the computing device, respective service fees for processing respective payments for the respective items, wherein ratios between the respective service fees and the respective purchase prices are different; determining, by the computing device, combinations of premium messages to match total prices of the combinations of premium messages with sums of the respective purchase prices and the respective service fees; and sending, by the computing device, the combinations of the premium messages to respective mobile phones of the respective customers via a telecommunication carrier. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A computer storage medium storing instructions, the instructions causing a computing device to perform a method, the method comprising:
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receiving, in the computing device, requests to pay respective merchants according to respective purchase prices, specified by the respective merchants, for respective items purchased from the respective merchants by respective customers; determining, by the computing device, respective service fees for processing respective payments for the respective items, wherein ratios between the respective service fees and the respective purchase prices are different; determining, by the computing device, combinations of premium messages to match total prices of the combinations of premium messages with sums of the respective purchase prices and the respective service fees; and sending, by the computing device, the combinations of the premium messages to respective mobile phones of the respective customers via a telecommunication carrier.
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17. A system, comprising:
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a plurality of converters to interface with a plurality of controllers for delivery of premium messages sent by the system to collect funds, the converters to communicate with the controllers in different formats; and a common format processor coupled with the plurality of converters to send the premium messages, the converters to communicate with the common format processor in a common format, the common format processor to receive requests to pay respective merchants according to respective purchase prices, specified by the respective merchants, for respective items purchased from the respective merchants by respective customers, determine respective service fees for processing respective payments for the respective items, wherein ratios between the respective service fees and the respective purchase prices are different, determine combinations of premium messages to match total prices of the combinations of premium messages with sums of the respective purchase prices and the respective service fees, and send the combinations of the premium messages to respective mobile phones of the respective customers via a telecommunication carrier. - View Dependent Claims (18, 19, 20)
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Specification