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: 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 network-accessible funds transfer system is disclosed that is capable of controlling a funds transfer transaction in which a funds transfer service collects funds from a payer and transfers collected funds to a payee. In one embodiment, the funds transfer service uses credit card information specified by the payer via the service's user interface to collect funds from the payer (through interactions with a third party fulfillment service), and uses bank account information specified by the payee via the service's user interface to transfer collected funds to a bank account of the payee.

Abstract: A system and method of managing media content is disclosed. In one embodiment, the method includes sending a request for a media content item from a user computer to a server via an interface to an online site. The method also includes receiving the media content item at the user computer. Further, the method includes selecting a library associated with a media content player application and, upon receipt of the media content item, automatically adding the media content item to the selected library of the media content player application at the user computer.

Abstract: Systems and methods to reward referrals via mobile communications are described. 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 configured to use one converter of the plurality of converters to communicate with a first mobile phone at the first phone number to confirm a payment request and identify the second phone number. In response to confirmation of the payment request, the common format processor rewards the user of the second mobile phone via a code representing a benefit.

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 real-time communications. In one aspect, a method includes: receiving, in a computing device, a payment request from a user terminal of a user, where the payment request identifies a merchant and an identifier that identifies the user on a data communications network for real-time communications connections with the user; communicating using the identifier by the computing device on the data communications network to secure funds from the user for the payment request; and in response to a success in securing the funds via the communicating using the identifier on the data communications network, transmitting a message from the computing device to the merchant to indicate a payment to the merchant using the funds on behalf of the user.

Abstract: A system and method of managing media content is disclosed. In one embodiment, the method includes sending a request for a media content item from a user computer to a server via an interface to an online site. The method also includes receiving the media content item at the user computer. Further, the method includes selecting a library associated with a media content player application and, upon receipt of the media content item, automatically adding the media content item to the selected library of the media content player application at the user computer.

Abstract: Systems and methods are provided to automate transactions via mobile communications. In one aspect, a system includes a data storage facility to store data associating phone numbers with accounts 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 with the common format processor in a common format. The common format processor has an application programming interface to receive requests, such as a charge request having an identification of a phone number, an identification of a merchant, and an amount, and a status request having an identification of the first request, and is to transmit a message to a telephonic apparatus at the phone number to confirm the charge request, using one of the converters.

Abstract: A system and method of offering media content is disclosed. In one embodiment, the method includes receiving a selection of a disaggregated media content item from a user computer at a server via an online site that offers a catalog of items. The method also includes identifying a catalog item related to the selected disaggregated media content item. Further, the method includes displaying a detail interface via the online site, the detail interface including details related to the disaggregated media content item and a recommendation of the identified catalog item. A graphical user interface (GUI) is disclosed that includes a song-level detail page including a plurality of details related to an individual song available for download via an online site. The GUI includes at least one recommendation of at least one other item associated with a performer of the individual song, where the other item(s) are offered via the online site.

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: A funds transfer system is disclosed that is responsive to a receipt of a payment request by performing a risk management assessment of an associated payer and payee. If the risk management assessment produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed by causing funds to be transferred between the payer and payee. The risk management assessment may be performed on the basis of credit and/or authentication information derived from customer information received with or prior to the payment request. Such customer information may, for example, include credit card account information and/or bank account information.

Abstract: A funds transfer system is disclosed that is responsive to a receipt of a payment request by performing a risk management assessment of an associated payer and payee. If the risk management assessment produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed by causing funds to be transferred between the payer and payee. The risk management assessment may be performed on the basis of credit and/or authentication information derived from customer information received with or prior to the payment request. Such customer information may, for example, include credit card account information and/or bank account information.

Abstract: A payment request associated with a transfer of funds is received and a risk management assessment for both sides thereof is performed. If the risk management assessment procedure produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed for delivery of a payment associated therewith. The risk management assessment may be performed on the basis of credit/authentication information derived from customer information received with (or even prior to) the payment request. Such customer information may include credit card account information and/or bank account information (e.g., checking account) information. In some cases, the risk management assessment may include an automated component and a manual (non-automated) component. Such a manual component may be needed where the automated component of the risk management assessment provides suspect information regarding one of the parties to the transaction.

Abstract: A system and method of managing media content is disclosed. In one embodiment, the method includes sending a request for a media content item from a user computer to a server via an interface to an online site. The method also includes receiving the media content item at the user computer. Further, the method includes selecting a library associated with a media content player application and, upon receipt of the media content item, automatically adding the media content item to the selected library of the media content player application at the user computer.

Abstract: A service configured to be accessible by two or more parties to a two-sided funds transfer transaction through a computer network (e.g., the Internet) provides functionality for sending a payment request to a target payer or payee who is not yet registered with the service. Depending upon who is initiating the transaction (i.e., a payer or a payee) the payment requests may be received as requests to send payments or requests to collect payments. In the latter case, the service may be further organized to solicit a payment, for example by transmitting an e-mail message to a second party to the funds transfer transaction. When used to collect payments, the service may be further organized to process one or more responses to the above-mentioned solicitations.