Abstract: In one aspect, a system includes an interchange 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 common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a phone number, a payment amount and a payee, and in response, use a pinging message to determine telecommunication carrier information of the phone number, select a converter, determine a set of premium messages in accordance with the telecommunication carrier information, and use the selected converter to transmit the set of premium messages to the phone number to collect funds to pay the payee on behalf of a user of the mobile phone.

Abstract: Transaction data of consumers is stored in a data store. Offer entries of merchants are received from a plurality of merchant computer systems and stored in the data store in association with respective merchant accounts. At least a representation of the transaction data is transmitted to the merchant computer system. A bid is received from each of the merchant computer system for the transaction data. The bids are compared and an activation level of one or more of the offer entries is set based on the comparison of the bids. The offer entry is transmitted to a consumer device based. The transmission of the offer entry is dependent on the activation level of the offer entry.

Abstract: Offer entries are received from merchant computer systems and stored in association with respective merchant account. Transaction data of consumers is received from a network computer system and profile are built utilizing the transaction data. A consumer is then targeted by transmitting a selected one of the offer entries to a consumer device based at on the profile.

Abstract: Systems and methods to propagate and redeem offers via mobile communications. In one aspect, a system includes an interchange and a data storage facility storing a value in association with a first phone number. 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 with the controllers in different formats. The common format processor is to re-associate the value with a second phone number and to use one converter of the converters to communicate a reference of the value to a telephonic apparatus at the second phone number, in response to a request from a telephonic apparatus at the first phone number, when the request includes the second phone number and a reference to the value.

Abstract: Systems and methods are provided to facilitate transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores data associating a phone number of a user and an account identifier of the user. 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 with the common format processor in a common format. The common format processor uses one of the converters to transmit premium messages to the phone number to collect funds via a telecommunication carrier, receives a payment request having the account identifier, identifies the phone number based on the account identifier, and makes a payment on behalf of the user using the collected funds.

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: Consumer and merchant accounts are stored in the data store of a server computer system. Voucher entries are received from merchant computer systems and stored in association with the merchant accounts. Consumer account identifiers are pushed from the server computer system to a network computer system. A list of consumer account identifiers is maintained at the network computer system is checked to determine whether a consumer account identifier in a charge request matches any one of the consumer account identifiers in the list. Reserve checking is provided in when in discount checking mode. A voucher redemption system matches a merchant account identifier in a discount checking call received from the network computer system to one of the merchant account identifiers to identify one of the voucher entries. The transaction clearing system transmits a response with a discount amount of the voucher entry to the network computer system.

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 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.

Abstract: A computer-based system for managing electronic transactions is described. A plurality of first card numbers is received over a network interface device. Each respective first card number is stored in a data store in association with a respective consumer account. A charge advisory is received over the network interface device, the charge advisory including a charge advisory card number. A selected one of the consumer accounts is identified by associating one of the first card numbers with the second card number. The charge advisory is processed based on an account detail of the selected consumer account.

Abstract: A plurality of merchant accounts are stored in a data store. A voucher entry is received over from a merchant computer system and stored in the data store. A charge advisory is received and used to identify a selected one of the voucher entries. A notification is received from a server computer system bank account of settlement from a merchant account payment infrastructure of a discount amount of the voucher entry. A central account is updated based on the notification. A settlement instruction is transmitted for settlement based on the discount amount. The last one central account is updated based on the settlement instruction.

Abstract: A stored value in a consumer account is increased by transferring credits from a carrier computer system. Credits are retrieved from the carrier computer system and transmitted to a consumer device. The consumer selects how many credits to transfer and the credits are converted to a credit amount using an exchange rate. The stored value is then increased by the credit amount and the carrier computer system is notified of the transfer.

Abstract: The invention provides a computer-based method of managing electronic transactions. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A rule is stored in association the consumer account. A charge request is received over a network interface device, the charge request including a charge amount and a 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. The rule of the selected consumer account is retrieved in response to receiving the charge request and an action is executed based on the rule.

Abstract: A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier is received in a point-of-sale device. A charge request including an amount and a second consumer account identifier is received, wherein the second consumer account identifier is not an MSISDN. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier. An authorization request is transmitted to a consumer device. An response to the authorization request is received from the consumer device, and the charge request is processed based on an account detail of the selected consumer account, wherein the charge request is processed if the response is the authorization response.

Abstract: A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier in the form of an MSISDN is received in a point-of-sale device. The point-of-sale device transmits the charge request, including an amount and the second consumer account identifier, to a merchant acquirer computer system, which routes the charge request. 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: 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 computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier that is not a PAN and a respective first PIN. A charge request is received over a network interface device, the charge request including an amount, a second consumer account identifier and a second PIN. 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. The processing of the charge request is only permitted upon a favorable comparison of the first PIN and the second PIN.

Abstract: A consumer payment control system receives a request to increase a stored value of the consumer account by a credit value, transmits a funding request to a consumer account funding infrastructure, the funding request including a credit value, and increases a stored value of the consumer account by the credit value. A communication and routing module receives a charge request, including an amount and identifies a selected one of the consumer accounts. A transaction processing system processes the charge request based on an account detail of the selected consumer account. The consumer payment control system determines whether a top-up confirmation has been received from the consumer account funding infrastructure after a predetermined period of time, and causes charging of the consumer account if the top-up confirmation has not been received.

Abstract: A computer-based method of managing electronic transactions is described. A dynamic amount is dynamically determined based on historic transaction data of a plurality of first charge requests of a consumer account. A merchant offer is associated with the consumer account, including the dynamic amount. A transaction is then processed, including receiving a second charge request, and processing the second charge request based on the dynamic amount.

Abstract: A computer-based method of managing electronic transactions is described. A plurality of consumer accounts are stored in a data store, each consumer account having a first MSISDN as a consumer account identifier. A plurality of merchant accounts are stored in the data store, each having a respective first merchant account identifier. Merchant offers are received and stored within the data store in association with the merchant accounts. A second MSISDN is identified from a charge request and is matched to the first MSISDN to identify respective consumer account. A second merchant account ID is received in the charge request and is matched to one of the first merchant account ID's to identify one of the merchant accounts. A merchant offer of the merchant account is then associated with the consumer account. The charge request also includes an amount that is processed against the selected consumer account.