Abstract: Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account and a phone number associated with the account and an interchange coupled with the 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 the converters are configured to communicate with the common format processor in a common format to facilitate deposit transactions and payment transactions.

Abstract: Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account and a phone number associated with the account and an interchange coupled with the 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 select a first controller based at least in part on reducing cost, and to instruct the first controller of the controllers, via a first converter of the converters, to transmit a first message to a mobile device at the phone number to facilitate a transaction related to funds associated with the phone number.

Abstract: Systems and methods are provided to facilitate retail transactions via mobile communications. In one aspect, a retail terminal includes: a user interface to receive a phone number of a customer; a memory; a data communication interface; and a processor coupled with the memory and the data communication interface to transmit the phone number to a server computer to cause the server computer to communicate with a mobile phone at the phone number to confirm a transaction at the retail terminal and to transmit one or more premium messages to the mobile phone to collect funds for the transaction, and to receive from the server computer a message indicating that the funds are available for the transaction. The retail terminal is to perform the transaction in response to the message from the server computer.

Abstract: Systems and methods are provided to facilitate on-site processing of transaction requests. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the 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 to transmit a message to a telephone at the telephone number of the user to prompt the user to confirm a request and to receive a confirmation of the request via the telephone. The request is received via a user interface embedded in a web page of a first website without reloading or refreshing the web page.

Abstract: Systems and methods to verify and process requests received via social networking websites. In one aspect, a system includes a data storage facility to store data associated with a first phone number; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of controllers of mobile communications. The converters communicate with the controllers in different formats and with the common format processor in a common format. The common format processor receives a request from a first user via a social networking website, identifies a first phone number of the first user and a second phone number of a second user, based on the social networking website, and uses the converters to communicate with at least one of the mobile phones at the first and second phone numbers to confirm and/or approve the request.

Abstract: Systems and methods are provided to process transactions initiated by users of mobile devices. In one aspect, a system includes a data storage facility to store phone numbers of users, and an interchange coupled with the 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 common format processor in a common format and to communicate with the controllers in different formats. The interchange uses the converters to transmit at least one premium message to a mobile phone at a first telephone number to provide an amount to the mobile phone using funds associated with a second telephone number, in response to a request initiated from a mobile phone at the second telephone number.

Abstract: Systems and methods are to provide information to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store and associate personal information of a user with a telephone number of the user, and an interchange coupled with the 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 common format processor in a common format and to communicate with the controllers in different formats. The interchange uses the converters to communicate with the mobile phone of a user to approve the providing of the personal information from the data storage facility to a website.

Abstract: Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the 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 common format processor in a common format and to communicate with the controllers in different formats. The interchange uses the converters to communicate with the mobile phone of a user to confirm the identity of the user using a user terminal separate from the mobile phone for subsequent payment requests from the user terminal to be fulfilled using the account identifier.

Abstract: Systems and methods are provided to control online transactions via mobile communications. In one aspect, a system includes a data storage facility to store data associating a first telephone number with a second telephone number; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of controllers. 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 receive a payment request including the first telephone number, identify the second telephone number based on the data, and communicate with a mobile phone at the second telephone number for approval of the payment request.

Abstract: Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the 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 the converters are configured to communicate with the common format processor in a common format to facilitate electronic payment transactions using the account identifier.

Abstract: Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account and a phone number associated with the account and an interchange coupled with the 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 the converters are configured to communicate with the common format processor in a common format to facilitate deposit transactions and payment transactions.

Abstract: An apparatus includes a processor, storage, memory and a network connection. The processor is configured to: store user details in the storage including a plurality of telephone numbers, each associated with details of a payment card; receive, via the network connection, a request including a first telephone number related to a transaction; identify payment card details based on the first telephone number in response to the request; obtain an indication as to whether the transaction is valid using the first telephone number; and send the payment card details via the network connection to a payment server to process the request if the transaction is determined to be valid.

Abstract: Apparatuses and methods to facilitate customer to supplier funds transfer via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier includes: a server component connected to a network; and a database coupled to the server component. The server component is configured to: transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone of the customer; populate the database with an identification of the telephone number of the customer; receive classifications of offers sold by a plurality of suppliers; populate the database with a table associating the suppliers with classifications of the offers sold by the suppliers, the database including an identification of classifications for the telephone number of the customer; and determine whether to allow or prohibit transmission of text messages to effect payment based upon the identification of the classifications for the telephone number of the customer.

Abstract: Apparatuses and methods to transfer funds electronically via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier includes: a server component connected to a network; and a database component coupled to the server component. The server is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after the customer has placed an order with the supplier. The server component is configured to populate the database component with an identification of the customer telephone number. The server component is configured to prompt the customer to supply additional personal data. In response to the additional personal data, the server component populates the database component with the additional personal data.

Abstract: Apparatuses and methods to facilitate customer to supplier funds transfer via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier, includes: a server component connected to a network; and a database coupled to the server component. The server component is configured to: transmit a plurality of premium rate mobile terminating text messages to the first mobile cellular telephone to effect a transfer of funds from the customer for reception by the supplier, after the customer has placed an order with the supplier; and transmit a notification message to a second mobile cellular telephone having a second telephone number to confirm that the transfer of funds has taken place.

Abstract: Apparatuses and methods to facilitate customer to supplier funds transfer via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier includes: a server component connected to a network; and a database coupled to the server component. The server component is configured to: transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after the customer has placed an order with a supplier; populate the database with an identification of the telephone number of the customer; populate the database with at least one transaction record related to the premium rate text messages; and facilitate access to the transaction record by the customer via the telephone number of the customer.

Abstract: Effecting an electronic payment from customers to vendors over the Internet is disclosed. A vendor (111) offers a product to potential customers (102) over the Internet. A customer browsers the Internet and the customer has a mobile cellular telephone (202) configured to receive premium rate mobile terminating text messages. Transaction details are transmitted from the vendor to the browsing customer. Order details are then transmitted from the browsing customer to the vendor that require a payment to be made by the customer. In order to effect payment, a plurality of premium rate text messages are transmitted to the telephone (202).