Systems and methods to facilitate repeated purchases

摘要

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.

主权项

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.