Systems and Methods to Facilitate Online Transactions

• US 20110078077A1
• Filed: 09/20/2010
• Published: 03/31/2011
• Est. Priority Date: 09/29/2009
• Status: Abandoned Application

• Current Assignee: Boku Incorporated
• Original Assignee: Boku Incorporated
• Inventors: Hirson, Ron
• Application Number:
  US12/886,148
• Publication Number:
  US 20110078077A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a plurality of converters to interface with a plurality of controllers in different formats for delivery of premium messages sent by the system to collect funds; and a common format processor coupled with the plurality of converters in a common format to send the premium messages. The common format processor is configured to receive requests to pay respective merchants according to respective purchase prices for respective items purchased by respective customers, dynamically determine respective service fees for processing respective payments for the respective items to have different ratios between the respective service fees and the respective purchase prices, determine combinations of premium messages, and send the combinations of the premium messages to respective mobile phones of the respective customers via a telecommunication carrier.

Claims

1. A computer implemented method, comprising:

receiving, in a computing device, requests to pay respective merchants according to respective purchase prices, specified by the respective merchants, for respective items purchased from the respective merchants by respective customers;

determining, by the computing device, respective service fees for processing respective payments for the respective items, wherein ratios between the respective service fees and the respective purchase prices are different;

determining, by the computing device, combinations of premium messages to match total prices of the combinations of premium messages with sums of the respective purchase prices and the respective service fees; and

sending, by the computing device, the combinations of the premium messages to respective mobile phones of the respective customers via a telecommunication carrier.

2. The method of claim 1, wherein the service fees are charged by the telecommunication carrier.

3. The method of claim 1, wherein the service fees are charged for processing the respective payments by the computing device.

4. The method of claim 1, wherein the service fees are based on total purchase prices to be paid to the respective merchants.

5. The method of claim 1, wherein the service fees are based on unit purchase prices to be paid to the respective merchants.

6. The method of claim 1, wherein the service fees are to be determined to have a fixed ratio between the respective service fees and the respective purchase prices when the respective purchase prices are in a first range;

and the service fees are to be determined to have a fixed amount when the respective purchase prices are in a second range.

7. The method of claim 1, wherein the ratios between the respective fees and the respective purchase prices are a function of purchase price.

8. The method of claim 7, wherein the service fees are determined using a look up table indexed based on purchase price.

9. The method of claim 1, wherein the service fees are determined based on types of the items.

10. The method of claim 9, wherein the types include a type for physical items and a type for virtual items.

11. The method of claim 10, wherein the types further include a type for services.

12. The method of claim 10, wherein the virtual items include at least one item selected from the group consisting of:

point, virtual currency, credit, a song, a piece of music, a video clip, an article, a computer program, a decorative item for an avatar, a piece of virtual land in a virtual world, and a virtual object in a virtual reality world.

13. The method of claim 1, further comprising:

presenting, by the computing apparatus, web pages to confirm the respective payments;

in response to confirmations via the web pages, transmitting non-premium message to the respective mobile phones of the respective customers to confirm the respective payments; and

after receiving responses to the non-premium messages, transmitting, by the computing apparatus, the combinations of premium messages to the respective mobile phones of the respective customers.

14. The method of claim 13, wherein the web pages identify to the respective customers the respective service fees.

15. The method of claim 13, wherein the non-premium messages identify to the respective customers the respective service fees.

16. A computer storage medium storing instructions, the instructions causing a computing device to perform a method, the method comprising:

receiving, in the computing device, requests to pay respective merchants according to respective purchase prices, specified by the respective merchants, for respective items purchased from the respective merchants by respective customers;

determining, by the computing device, respective service fees for processing respective payments for the respective items, wherein ratios between the respective service fees and the respective purchase prices are different;

determining, by the computing device, combinations of premium messages to match total prices of the combinations of premium messages with sums of the respective purchase prices and the respective service fees; and

sending, by the computing device, the combinations of the premium messages to respective mobile phones of the respective customers via a telecommunication carrier.

17. A system, comprising:

a plurality of converters to interface with a plurality of controllers for delivery of premium messages sent by the system to collect funds, the converters to communicate with the controllers in different formats; and

a common format processor coupled with the plurality of converters to send the premium messages, the converters to communicate with the common format processor in a common format, the common format processor to

receive requests to pay respective merchants according to respective purchase prices, specified by the respective merchants, for respective items purchased from the respective merchants by respective customers,

determine respective service fees for processing respective payments for the respective items, wherein ratios between the respective service fees and the respective purchase prices are different,

determine combinations of premium messages to match total prices of the combinations of premium messages with sums of the respective purchase prices and the respective service fees, and

send the combinations of the premium messages to respective mobile phones of the respective customers via a telecommunication carrier.

18. The system of claim 17, wherein the ratios are equal to a fixed ratio when the respective purchase prices are lower than a first threshold;

and the ratios are in inverse proportion to the purchase prices when the respective purchase prices are above a second threshold.

19. The system of claim 17, wherein the ratios are based at least in part on the purchase prices.

20. The system of claim 17, wherein the ratios are based at least in part on types of the respective items.