Systems and methods to add funds to an account via a mobile communication device

摘要

Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes an interchange coupled with a 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 to communicate with the common format processor in a common format. The common format processor is to instruct a first controller of the controllers, via a first converter of the converters, to communicate with a mobile phone at a mobile phone number of a user to confirm a request to add funds to an account of a user, if the user has not yet provided an advance authorization. If the user has provided the advance authorization, the interchange skips communications with the mobile phone to confirm the request.

主权项

1. A computer-implemented method, comprising:
storing an executable application on a server; storing an account for a user at the server; providing the user at a user device access to the application on a server; determining whether the amount of an account needs additional funds to pay for first activities of the user on the server; if the account of the user with the server needs additional funds due to the first activities, displaying a message to the user without the user leaving the application to alert the user that the account is running low and prompting the user, to accept an option to fund the account of the user with the server via a phone number of the user; if the user accepts the option, funding, by the server, the account at the server using funds associated with the phone number by sending a first request from the server to an interchange computer system to charge an account of the user associated with the phone number at the interchange computer system and increasing the amount of the account of the user with the server; receiving in the interchange computer system the request to fund the account using funds associated with the phone number, the first request including the phone number; communicating by the interchange computer system with a mobile phone at the phone number to confirm the first request and to obtain authorization to skip phone confirmation for subsequent requests in response to receiving the request in the interchange computer system; storing by the interchange computer system an option to skip phone confirmation if the authorization to skip phone confirmation is received via the communication with the mobile phone; and if the first request is confirmed via the mobile phone, funding, by the interchange computer system, the account using funds associated with the phone number, wherein the interchange funds the account in response to receiving the first request from the server without the user terminating the first activities on the server; providing the user at the user device access to the application on the server after the account is funded based on the first request; determining whether the amount of the account needs additional funds to pay for second activities of the user on the server; if the account of the user with the server needs additional funds due to the second activities, displaying a message to the user without the user leaving the application to alert the user that the account is running low and prompting the user, to accept an option to fund the account of the user with the server via a phone number of the user; if the user accepts the option, funding, by the server, the account at the server using funds associated with the phone number by sending a second request from the server to an interchange computer system to charge an account of the user associated with the phone number at the interchange computer system and increasing the amount of the account of the user with the server; receiving in the interchange computer system the second request to fund the account using funds associated with the phone number, the second request including the phone number; determining, by the interchange computer system, in response to receiving the second request from the server, whether the option to skip phone confirmation is stored; if the option to skip phone confirmation is stored then funding, by the interchange computer system, the account using funds associated with the phone number, wherein the interchange funds the account in response to receiving the second request from the server without the user terminating the second activities on the server and without the interchange communicating with the mobile phone at the phone number to confirm the second request in response to receiving the request in the interchange computer system; and; if the option to skip phone confirmation is not stored then communicating by the interchange computer system with the mobile phone at the phone number to confirm the second request in response to receiving the request in the interchange computer system, and if the second request is confirmed via the mobile phone, funding, by the interchange computer system, the account using funds associated with the phone number, wherein the interchange funds the account without the user terminating the second activities on the server.