| 摘要 |
A customer selects a payment source and authorizes payment by sending Short Message Service (SMS) text messages or secure hypertext transfer protocol (HTTPS) requests from the customer's mobile phone or device. A SMS payment software-plugin is installed on a Point-Of-Sale (POS) terminal and launches a price match search and can fetch customer rewards. When a customer requests to pay by SMS, the plugin is activated and the customer's mobile phone number and zip code or POS PIN are entered on the POS terminal. The POS terminal sends a request to a SMS payment system, which sends SMS text messages to the customer's mobile device. The details are discussed. The application on marketplace based on circle of friends and family is also discussed, which connects the people to schools or universities, to support them financially, through Koincloud marketplace. |
| 主权项 |
1. A method for interacting with a marketplace presented on a marketplace computer, for users of said marketplace, said method comprising:
a member signing with said marketplace computer through a user interface device; said member inviting a first friend to a friends circle; wherein said friends circle is stored on friends circle database; said friends circle database communicating with said marketplace computer; said member inviting a first family member to a family circle; wherein said family circle is stored on family circle database; said family circle database communicating with said marketplace computer; a merchant or vendor signing up with said marketplace computer to offer a first service or object; said member buying said first service or object through said marketplace computer at a first value, V1; a school computer signing up with said marketplace computer; said school computer communicating with said marketplace computer; said marketplace computer assigning a first percentage, P1, to a school associated to said school computer; said first family member buying a second service or object at a second value, V2; said marketplace computer assigning a second percentage, P2, to said family circle; said first friend buying a third service or object at a third value, V3; said marketplace computer assigning a third percentage, P3, to said friends circle; said marketplace computer assigning a fourth percentage, P4, to a second cause; said first friend inviting a second friend into a second friends circle; said marketplace computer assigning a fifth percentage, P5, to said second friends circle; said second friend buying a fourth service or object at a fourth value, V4; said marketplace computer computing a first summation, S1, for contributions from said friends circle and said family circle; wherein:
S1=(V4·P5)P3+(V3·P3)+(V2·P2) said marketplace computer computing a second summation, S2, for total contributions; wherein:
S2=V1+S1 said marketplace computer assigning a first contributed value, C1, to said school; wherein:
C1=P1·S2 said marketplace computer assigning a second contributed value, C2, to said second cause; wherein:
C2=P4·S2 an accounting module transferring said first contributed value to said school; said accounting module transferring said second contributed value to said second cause; said accounting module notifying said member about said transferred said first contributed value and said transferred said second contributed value; said accounting module adding said transferred said first contributed value and said transferred said second contributed value to a member total account; said accounting module notifying said first family member, said first friend, and said second friend on their respective contributions to said first summation; and said accounting module adding said their respective contributions to their respective totals for said first family member, said first friend, and said second friend. |
