Systems and methods to facilitate online transactions
First Claim
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1. A computer-implemented method, comprising:
- receiving a first user request to deposit a first amount of funds into an account associated with a telephone number;
transmitting a first message to a mobile device at the telephone number to confirm the first user request;
receiving a reply to the first message transmitted to the mobile device to confirm the first user request;
calculating, using a computing device, a set of premium messages to charge the first amount;
in response to the reply to the first message, transmitting the set of premium messages to the mobile device at the telephone number to bill the first amount;
receiving a first portion of the first amount from a telecommunication carrier of the telephone number, after the telecommunication carrier deducts a second portion from the first amount as a fee; and
crediting the account a second amount more than the first portion of the first amount.
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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 the converters are configured to communicate with the common format processor in a common format to facilitate deposit transactions and payment transactions.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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receiving a first user request to deposit a first amount of funds into an account associated with a telephone number; transmitting a first message to a mobile device at the telephone number to confirm the first user request; receiving a reply to the first message transmitted to the mobile device to confirm the first user request; calculating, using a computing device, a set of premium messages to charge the first amount; in response to the reply to the first message, transmitting the set of premium messages to the mobile device at the telephone number to bill the first amount; receiving a first portion of the first amount from a telecommunication carrier of the telephone number, after the telecommunication carrier deducts a second portion from the first amount as a fee; and crediting the account a second amount more than the first portion of the first amount. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A computer-readable media storing instructions, the instructions causing a computer to perform a method, the method comprising:
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receiving a first user request to deposit a first amount of funds into an account associated with a telephone number; transmitting a first message to a mobile device at the telephone number to confirm the first user request; receiving a reply to the first message transmitted to the mobile device to confirm the first user request; calculating, the computer, a set of premium messages to charge the first amount; in response to the reply to the first message, transmitting the set of premium messages to the mobile device at the telephone number to bill the first amount; receiving a first portion of the first amount from a telecommunication carrier of the telephone number, after the telecommunication carrier deducts a second portion from the first amount as a fee; and crediting the account a second amount more than the first portion of the first amount.
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18. A system, comprising:
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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 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 instruct a first controller of the controllers, via a first converter of the converters, to transmit a first message to a mobile device at a telephone number to confirm a first user request to deposit a first amount of funds into the account associated with the telephone number, responsive to a reply to the first message, the common format processor to calculate a set of premium messages to charge the first amount and to instruct the first controller, via the first converter, to transmit the set of premium messages to the mobile device at the telephone number to bill the first amount, after a telecommunication carrier of the mobile device deducts a portion from the first amount as a fee, the common format processor to credit the account a second amount more than a portion of the first amount received from the telecommunication carrier. - View Dependent Claims (19, 20)
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Specification