Systems and methods to facilitate online transactions
First Claim
1. A computer implemented method, comprising:
- receiving, by a computing device, a request to process a payment for an amount to a merchant;
determining, by the computing device, service charges associated with one or more messages;
providing, by the computing device, an interface to communicate with the merchant after the amount is received by the computing device, the interface including the service charges and an input field for the merchant to enter an input;
receiving, in the computing device, the input from the merchant;
determining, by the computing device, a total price of one or more messages, in response to a first customer making a first purchase from the merchant at a first price, wherein a total price of the one or more messages is based on the first price and a portion of the service charges associated with the one or more messages, the portion being specified by the input received via the interface;
transmitting, from the computing device, the one or more messages to one or more telecommunication carriers of a mobile phone of the first customer, in response to the customers making purchases from a merchant;
receiving funds from the one or more telecommunication carriers, wherein the one or more telecommunication carriers charge the first customer according to the total price and provide the funds after deducting service charges associated with the messages; and
paying the merchant for the purchases on behalf of the customer using the funds.
7 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a communication interface to receive an input from a merchant; a plurality of converters to interface with a plurality of controllers for delivery of messages sent by the system to collect funds for purchases made by customers; and a common format processor coupled with the plurality of converters to send the messages. The common format processor determines a total price of one or more messages, in response to a first customer making a first purchase from the merchant at a first price. The total price of the one or more messages is based on the first price and a portion of service charges associated with the one or more messages, where the portion is specified by the input received via the interface.
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Citations
20 Claims
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1. A computer implemented method, comprising:
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receiving, by a computing device, a request to process a payment for an amount to a merchant; determining, by the computing device, service charges associated with one or more messages; providing, by the computing device, an interface to communicate with the merchant after the amount is received by the computing device, the interface including the service charges and an input field for the merchant to enter an input; receiving, in the computing device, the input from the merchant; determining, by the computing device, a total price of one or more messages, in response to a first customer making a first purchase from the merchant at a first price, wherein a total price of the one or more messages is based on the first price and a portion of the service charges associated with the one or more messages, the portion being specified by the input received via the interface; transmitting, from the computing device, the one or more messages to one or more telecommunication carriers of a mobile phone of the first customer, in response to the customers making purchases from a merchant; receiving funds from the one or more telecommunication carriers, wherein the one or more telecommunication carriers charge the first customer according to the total price and provide the funds after deducting service charges associated with the messages; and paying the merchant for the purchases on behalf of the customer using the funds. - 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 storage medium storing instructions, the instructions causing a computing device to perform a method, the method comprising:
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receiving, by a computing device, a request to process a payment for an amount to a merchant; determining, by the computing device, service charges associated with one or more messages; providing, by the computing device, an interface to communicate with the merchant after the amount is received by the computing device, the interface including the service charges and an input field for the merchant to enter an input; receiving, in the computing device, the input from the merchant; determining, by the computing device, a total price of one or more messages, in response to a first customer making a first purchase from the merchant at a first price, wherein a total price of the one or more messages is based on the first price and a portion of the service charges associated with the one or more messages, the portion being specified by the input received via the interface; transmitting, from the computing device, the one or more messages to one or more telecommunication carriers of a mobile phone of the first customer, in response to the customers making purchases from a merchant; receiving funds from the one or more telecommunication carriers, wherein the one or more telecommunication carriers charge the first customer according to the total price and provide the funds after deducting service charges associated with the messages; and paying the merchant for the purchases on behalf of the customer using the funds.
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18. A system, comprising:
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a communication interface to receive an input from an merchant; a plurality of converters to interface with a plurality of controllers for delivery of messages sent by the system to collect funds for purchases made by customers; and a common format processor coupled with the plurality of converters to send the messages, the converters 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 receive a request to process a payment for an amount to a merchant, to determine service charges associated with one or more messages, to provide an interface to communicate with the merchant after the amount is received by the computing device, the interface including the service charges and an input field for the merchant to enter an input, to receive the input from the merchant, to determine a total price of one or more messages, in response to a first customer making a first purchase from the merchant at a first price, wherein a total price of the one or more messages is based on the first price and a portion of the service charges associated with the one or more messages, the portion being specified by the input received via the interface, to transmit the one or more messages to one or more telecommunication carriers of a mobile phone of the first customer, in response to the customers making purchases from a merchant, to receive funds from the one or more telecommunication carriers, wherein the one or more telecommunication carriers charge the first customer according to the total price and to provide the funds after deducting service charges associated with the messages and pay the merchant for the purchases on behalf of the customer using the funds. - View Dependent Claims (19, 20)
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Specification