Systems and methods to facilitate repeated purchases
First Claim
1. A computer-implemented method of performing transactions, comprising:
- receiving, by an interchange, a top-up request from a server when the server determines that a balance of an account held by a user on the server falls below a predetermined amount due to an activity of the user on the server;
charging, by the interchange, a phone number account held by a carrier for a top-up amount in response to receiving the top-up request;
receiving, by the interchange, an indication of payment from the carrier; and
paying, with the interchange, the server based on the amount, thereby topping-up the balance of the account on the server using funds from the carrier and processing a previous payment for the phone number;
receiving, in the computing device, a message from a mobile phone having a phone number;
identifying, by the computing device in response to the message, the previous payment transaction processed by the computing device for the 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.
3 Assignments
0 Petitions
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
24 Claims
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1. A computer-implemented method of performing transactions, comprising:
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receiving, by an interchange, a top-up request from a server when the server determines that a balance of an account held by a user on the server falls below a predetermined amount due to an activity of the user on the server; charging, by the interchange, a phone number account held by a carrier for a top-up amount in response to receiving the top-up request; receiving, by the interchange, an indication of payment from the carrier; and paying, with the interchange, the server based on the amount, thereby topping-up the balance of the account on the server using funds from the carrier and processing a previous payment for the phone number; receiving, in the computing device, a message from a mobile phone having a phone number; identifying, by the computing device in response to the message, the previous payment transaction processed by the computing device for the 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, 18, 19, 20, 21, 22)
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23. A non-transitory computer-readable storage media storing instructions which, when executed on a computer, cause the computer to perform a method of performing transactions, the method comprising:
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receiving, by an interchange, a top-up request from a server when the server determines that a balance of an account held by a user on the server falls below a predetermined amount due to an activity of the user on the server; charging, by the interchange, a phone number account held by a carrier for a top-up amount in response to receiving the top-up request; receiving, by the interchange, an indication of payment from the carrier; and paying, with the interchange, the server based on the amount, thereby topping-up the balance of the account on the server using funds from the carrier and processing a previous payment for the phone number; receiving, in the computing device, a message from a mobile phone having a phone number; identifying, by the computing device in response to the message, the 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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24. A computing apparatus, comprising:
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a processor; a non-transitory computer readable medium connected to the processor; a local storage on the non-transitory computer readable medium; and a set of instruction on the non-transitory computer readable medium that are executable by the processor to carry out a method including; receive a top-up request from a server when the server determines that a balance of an account held by a user on the server falls below a predetermined amount due to an activity of the user on the server; charge a phone number account held by a carrier for a top-up amount in response to receiving the top-up request; receive an indication of payment from the carrier; and pay the server based on the amount, thereby topping-up the balance of the account on the server using funds from the carrier and processing a previous payment for the phone number; receive a message from a mobile phone having a phone number; identify, in response to the message, the previous payment transaction processed by the computing device for the phone number; communicate with a merchant to repeat a purchase identified according to the previous payment transaction; and process a payment to the merchant using funds associated with the phone number to repeat the purchase.
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Specification