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: 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.

Abstract: A text-to-bill processing transaction system is described. A consumer transmits a text message having a merchant keyword component and a transaction details component. The merchant keyword component is used to find a select merchant server from a merchant server data store. The transaction details component is then routed to the select merchant server. The select merchant server then returns a charge amount corresponding to the transaction details component and a fulfillment message. A billing gateway then causes entry of the charge amount against a phone number in an accounts database of a carrier server. A success message transmission module transmits a text message back to the consumer that includes the fulfillment message. The fulfillment message may for example be a code that has to be entered by a consumer.

Abstract: A repeat payment computer system includes a merchant server and mobile billing operator server that are programmed for user acquisition through carrier billing and subsequent conversion to credit card billing. An advantage of the process is that the user does not have to enter credit card information for the default billing cycles to occur. The user only enters a phone number and password. Fewer barriers are provided for the user to become a regular repeat customer of the merchant server. The fees associated with mobile billing according to the default billing cycles have to be paid by the merchant server and may be too high in the long run. The merchant server can avoid the high fees associated with carrier billing by switching the user to billing according to the credit card information provided. The user is typically switched after the user has already become a regular customer.

Abstract: A repeat payment computer system includes a merchant server and mobile billing operator server that are programmed for user acquisition through carrier billing and subsequent conversion to credit card billing. An advantage of the process is that the user does not have to enter credit card information for the default billing cycles to occur. The user only enters a phone number and password. Fewer barriers are provided for the user to become a regular repeat customer of the merchant server. The fees associated with mobile billing according to the default billing cycles have to be paid by the merchant server and may be too high in the long run. The merchant server can avoid the high fees associated with carrier billing by switching the user to billing according to the credit card information provided. The user is typically switched after the user has already become a regular customer.

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.

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: 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: A method and system of processing a sale of an article, a virtual article, a service or a functionality such as a game is described. A code is generated by a server. A charge request is transmitted to an account server to charge an account of a user for a value of the code. The code is transmitted to a user device. The code is then processed by redeeming the code, wherein redemption of the code includes receiving the code from a user device and in response allowing access to the user device to the article, virtual article, a service or a functionality.

Abstract: A developer tool is used to programmatically calculate the contrast between the text and background in a user interface. A luminosity ratio is automatically calculated by the tool by capturing an image of a user interface, archiving user interface elements that do not contain text, performing optical character recognition on the remaining user interface elements to find pixels on the text part of the user interface element and pixels on the background part of the user interface element, and finally calculating the luminosity ratio. Results including errors, warnings and luminosity ratio for one or more hotspots in the image can be returned. Results can be used to identify user interface elements that comply or fail to comply with visibility guidelines for contrast between user interface text and background.

Abstract: A repeat payment computer system includes a merchant server and mobile billing operator server that are programmed for user acquisition through carrier billing and subsequent conversion to credit card billing. An advantage of the process is that the user does not have to enter credit card information for the default billing cycles to occur. The user only enters a phone number and password. Fewer barriers are provided for the user to become a regular repeat customer of the merchant server. The fees associated with mobile billing according to the default billing cycles have to be paid by the merchant server and may be too high in the long run. The merchant server can avoid the high fees associated with carrier billing by switching the user to billing according to the credit card information provided. The user is typically switched after the user has already become a regular customer.

Abstract: A repeat payment computer system includes a merchant server and mobile billing operator server that are programmed for user acquisition through carrier billing and subsequent conversion to credit card billing. An advantage of the process is that the user does not have to enter credit card information for the default billing cycles to occur. The user only enters a phone number and password. Fewer barriers are provided for the user to become a regular repeat customer of the merchant server. The fees associated with mobile billing according to the default billing cycles have to be paid by the merchant server and may be too high in the long run. The merchant server can avoid the high fees associated with carrier billing by switching the user to billing according to the credit card information provided. The user is typically switched after the user has already become a regular customer.

Abstract: A text-to-bill processing transaction system is described. A consumer transmits a text message having a merchant keyword component and a transaction details component. The merchant keyword component is used to find a select merchant server from a merchant server data store. The transaction details component is then routed to the select merchant server. The select merchant server then returns a charge amount corresponding to the transaction details component and a fulfillment message. A billing gateway then causes entry of the charge amount against a phone number in an accounts database of a carrier server. A success message transmission module transmits a text message back to the consumer that includes the fulfillment message. The fulfillment message may for example be a code that has to be entered by a consumer.

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: 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 developer tool is used to programmatically calculate the contrast between the text and background in a user interface. A luminosity ratio is automatically calculated by the tool by capturing an image of a user interface, archiving user interface elements that do not contain text, performing optical character recognition on the remaining user interface elements to find pixels on the text part of the user interface element and pixels on the background part of the user interface element, and finally calculating the luminosity ratio. Results including errors, warnings and luminosity ratio for one or more hotspots in the image can be returned. Results can be used to identify user interface elements that comply or fail to comply with visibility guidelines for contrast between user interface text and background.