Systems and Methods to Route Messages to Facilitate Online Transactions
First Claim
1. A system, comprising:
- a data storage facility to store an account of a user and a phone number associated with the account; and
an interchange coupled with the data storage facility, the interchange including a common format processor and a plurality of converters to interface with a plurality of controllers, the converters configured to communicate with the controllers in different formats, the converters to communicate with the common format processor in a common format, the common format processor to select a first controller from the plurality of controllers based at least in part on reducing a cost associated with transmitting messages from the common format processor to a mobile device at the phone number, the common format processor to instruct the first controller of the controllers, via a first converter of the converters, to transmit a first message to the mobile device at the phone number to facilitate an online transaction related to funds associated with the phone number.
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Abstract
Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account and a phone number associated with the account 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. The common format processor is to select a first controller based at least in part on reducing cost, and to instruct the first controller of the controllers, via a first converter of the converters, to transmit a first message to a mobile device at the phone number to facilitate a transaction related to funds associated with the phone number.
103 Citations
20 Claims
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1. A system, comprising:
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a data storage facility to store an account of a user and a phone number associated with the account; and an interchange coupled with the data storage facility, the interchange including a common format processor and a plurality of converters to interface with a plurality of controllers, the converters configured to communicate with the controllers in different formats, the converters to communicate with the common format processor in a common format, the common format processor to select a first controller from the plurality of controllers based at least in part on reducing a cost associated with transmitting messages from the common format processor to a mobile device at the phone number, the common format processor to instruct the first controller of the controllers, via a first converter of the converters, to transmit a first message to the mobile device at the phone number to facilitate an online transaction related to funds associated with the phone number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A computer-implemented method, comprising:
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receiving, in a computer, a request related to funds associated with a phone number; identifying, by the computer, a plurality of controllers capable of transmitting a message to a mobile phone at the phone number; determining, by the computer, costs associated with transmitting the message to the mobile phone via different paths through the controllers; selecting, by the computer, a least cost path among the paths; and transmitting, by the computer, the message to the mobile phone via the least cost path to confirm the request.
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20. A computer-readable media storing instructions, the instructions causing a computer to perform a method, the method comprising:
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receiving, in a computer, a request related to funds associated with a phone number; identifying, by the computer, a plurality of controllers capable of transmitting a message to a mobile phone at the phone number; determining, by the computer, costs associated with transmitting the message to the mobile phone via first paths through the controllers; selecting, by the computer, a least cost path among the first paths; transmitting, by the computer, the message to the mobile phone via the least cost path; receiving, by the computer, a reply to the message to confirm the request; determining, by the computer, costs associated with transmitting a set of one or more premium messages to the mobile phone via second paths; selecting, by the computer, at least one path from the second paths to minimize a cost to transmit the set of premium messages; and transmitting, by the computer, the set of one or more premium messages to the mobile phone via the at least one path selected from the second paths.
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Specification