Systems and methods to facilitate repeated purchases
First Claim
1. A computer-implemented method, comprising:
- receiving, in a computing device, a message from a mobile phone having a phone number;
identifying, by the computing device in response to the message, a previous payment transaction processed by the computing device for the phone number;
communicating, by the computing device, with a merchant to repeat a purchase identified according to the previous payment transaction; and
processing, by the computing device, a payment to the merchant using funds associated with the phone number to repeat the purchase.
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Accused Products
Abstract
Systems and methods are provided to facilitate repeated purchase and payment transactions. In one aspect, a system includes an interchange and a data storage facility configured to store payment transaction records associated with phone numbers. 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 configured to identify a prior payment transaction associated with a phone number in response to a message from a mobile phone having the phone number, communicate with a merchant to repeat a purchase according to the prior payment transaction, and transmit via one of the converters premium messages to the mobile phone to collect funds for a payment to repeat the purchase.
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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, a message from a mobile phone having a phone number; identifying, by the computing device in response to the message, a previous payment transaction processed by the computing device for the phone number; communicating, by the computing device, with a merchant to repeat a purchase identified according to the previous payment transaction; and processing, by the computing device, a payment to the merchant using funds associated with the phone number to repeat the purchase. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A non-transitory computer-readable storage media storing instructions which, when executed on a computer, cause the computer to perform a method, the method comprising:
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receiving, in a computer, a message from a mobile phone having a phone number; identifying, by the computer in response to the message, a previous payment transaction processed by the computing device for the phone number; communicating, by the computer, with a merchant to repeat a purchase identified according to the previous payment transaction; and processing, by the computer, a payment to the merchant using funds associated with the phone number to repeat the purchase.
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19. A computing apparatus, comprising:
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a data storage facility configured to store payment transaction records associated with phone numbers, the payment transaction records including at least one record for a successful prior payment transaction, the record including data indicating a user selection of an option to authorize a respective merchant involved in the prior payment transaction to request payments on behalf of a user of a phone number associated with the record; 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; wherein in response to a message from a mobile phone having the phone number, the common format processor is configured to identify the prior payment transaction associated with the phone number of the mobile phone, communicate with the merchant to repeat a purchase identified according to the prior payment transaction, and transmit via one of the converters a plurality of premium messages to the mobile phone to collect funds for a payment to repeat the purchase. - View Dependent Claims (20)
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Specification