Abstract: An interchange computer system includes a billing computer relationship that has a plurality of reference billing computer identifiers and a plurality of reference sensory representations, wherein each reference sensory representation is associated with a respective reference billing computer identifier. A billing identifier receiver receives, from a payment portal computer system, a billing identifier representing a user. A billing identifier transmission module transmits the billing identifier to a plurality of remote billing computer systems at the respective reference billing computer identifiers. A response receiving module receives a positive response from one or more of the billing computer systems. A sensory representation selection module determines select sensory representations for presentation and confirmation by a user at a user computer system connected to the payment portal computer system.

Abstract: A cellular device is used to make a first HTTP request to a host. The host returns a token to the cellular device. The cellular device sends a second HTTP request to a cellular data network in response to receiving the token. The cellular data network header-enriches the second HTTP request with the MSISDN of the cellular device and forwards the second request to the host.

Abstract: A subscription identifier is communicated between the billing server and subscription server. The billing server receives a subscription identifier text message from the user device. The billing server identifies a carrier server from the subscription identifier text message. The billing server receives an authorization text message from the user device in response to an authorization request text message and charges an account of the carrier server that has been identified. If the charge has been successful, then the billing server transmits a renewal notification text message to the subscription server. The subscription server updates an account having the subscription identifier to reflect a new expiration.

Abstract: A cellular device is used to make a first HTTP request to a host. The host returns a token to the cellular device. The cellular device sends a second HTTP request to a cellular data network in response to receiving the token. The cellular data network header-enriches the second HTTP request with the MSISDN of the cellular device and forwards the second request to the host.

Abstract: Merchant hosted checkout as described herein allows merchants to process mobile payments via a customized user payment interface (“checkout interface”). The merchant hosted checkout provides dynamic user interface (UI) instructions and user input requirements based on the country and mobile network (carrier) associated with each transaction.

Abstract: Merchant hosted checkout as described herein allows merchants to process mobile payments via a customized user payment interface (“checkout interface”). The merchant hosted checkout provides dynamic user interface (UI) instructions and user input requirements based on the country and mobile network (carrier) associated with each transaction.

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: A parking request text message is transmitted from a user mobile phone to a billing server and is forwarded to a parking server. The parking server makes a charge API call to the billing server, including a custom text, an amount to be billed and a msisdn of the mobile phone. The billing server charges an account at a carrier server corresponding to the msisdn, receives a charge confirmation from the carrier server, transmits a billing result to the parking server, and sends a confirmation text message to the user mobile phone with the custom text. The parking server updates a parking data structure to indicate that parking has been allotted based on a parking identification in the parking request text message.

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: Each of a plurality of consumer accounts in a data store has a first consumer account identifier. Login information is received from a consumer device over the network interface device. The first consumer account identifier is received from the consumer device and stored in association the consumer account. The first consumer account identifier is storable as one of at least two types of identifiers and the storing by the consumer device of the first consumer account identifier is only permitted upon successful login based on the login information. The charge request is received over a network interface device, the charge request including the amount and the second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account.

Abstract: A subscription identifier is communicated between the billing server and subscription server. The billing server receives a subscription identifier text message from the user device. The billing server identifies a carrier server from the subscription identifier text message. The billing server receives an authorization text message from the user device in response to an authorization request text message and charges an account of the carrier server that has been identified. If the charge has been successful, then the billing server transmits a renewal notification text message to the subscription server. The subscription server updates an account having the subscription identifier to reflect a new expiration.

Abstract: Systems and methods are provided to facilitate donations via mobile communications. In one aspect, a system includes a data storage facility and an interchange having 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 with the common format processor in a common format. For a payment to a merchant, the common format processor provides a user interface configured to present charity donation options in response to a phone number being specified in the user interface to identify a fund source. The common format processor uses one of the converters to communicate with a mobile phone at the phone number to confirm the payment to the merchant and a donation to a separate charity organization specified via the user interface.

Abstract: Systems and methods are provided to facilitate donations via mobile communications. In one aspect, a system includes a data storage facility and an interchange having 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 with the common format processor in a common format. For a payment to a merchant, the common format processor provides a user interface configured to present charity donation options in response to a phone number being specified in the user interface to identify a fund source. The common format processor uses one of the converters to communicate with a mobile phone at the phone number to confirm the payment to the merchant and a donation to a separate charity organization specified via the user interface.

Abstract: A subscription identifier is communicated between the billing server and subscription server. The billing server receives a subscription identifier text message from the user device. The billing server identifies a carrier server from the subscription identifier text message. The billing server receives an authorization text message from the user device in response to an authorization request text message and charges an account of the carrier server that has been identified. If the charge has been successful, then the billing server transmits a renewal notification text message to the subscription server. The subscription server updates an account having the subscription identifier to reflect a new expiration.

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 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: The invention provides a method of processing transactions with a billing server, including receiving, with the billing server, a transaction request API call from a merchant computer including a msisdn, transmitting, with the billing server, a transaction request response to the merchant computer in response to the transaction request API call, including a transmission ID, receiving, with the billing server, a payment authorization text message from a consumer device at the msisdn including a transaction ID, determining, with the billing server, a match between the transaction ID in the text message with the transaction ID in the transaction request response and if a match is determined between the transaction ID's, transmitting, with the billing server, a charge request to a carrier server to charge an account on the carrier server corresponding to the msisdn.

Abstract: 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.

Abstract: A phone-on-file opt-in method is described. A phone-on-file opt-in request is received at the billing server including a msisdn and a merchant supplied unique consumer identifier. The billing server confirms the phone-on-file opt-in with a consumer device and records a phone-on-file opt-in status as active if the first phone-on-file is confirmed. A charge method includes receiving, at the billing server, a charge API call from a merchant server including at least one identifier and an amount, determining a phone-on-file opt-in status corresponding to the identifier at the billing server and transmitting a request to charge a user account to a carrier server if the phone-on-file opt-in status is active, but not if the phone-on-file opt-in status is inactive, the request including an amount corresponding to the amount received in the charge API call.

Abstract: A code is communicated between the billing server and subscription server. The billing server receives a code request text message from the user device. The billing server identifies a carrier server from the code request text message. The billing server receives an authorization text message from the user device in response to an authorization request text message and charges an account of the carrier server that has been identified. If the charge has been successful, then the billing server transmits a code redemption text message to the user device including the code and a link to a redemption page of a website of a subscription server. The subscription server processes redemption to a code and transmits an account set up page to the user device.