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 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 plurality of consumer accounts are stored in a data store before being activated by consumers, each having a first pass code and a first PAN or other consumer account identifier. A data exchange module receives an SMS message including a second pass code and extracts a first phone number from the message. A consumer account activation module identifies a selected one of the consumer accounts by matching the second pass code with a selected one of the first pass codes, and stores the first phone number as a second phone number in association in the selected consumer account. A communication and routing module receives a charge request including a second PAN, and identifies a selected one of the consumer accounts by associating one of the first PANs with the second PAN. A transaction processing system then reduces a stored value of the identified consumer account based on the charge.

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.

Abstract: A transit billing network is described. All commuter accounts are initially blacklisted at all entry transit readers within a transit operator system. A commuter is provided with a transit pass, linked to a mobile device. Individual commuter accounts are unblacklisted when a commuter transmits an SMS with an account number printed on the transit pass, a phone number is extracted from the SMS and the commuter increases a stored value of the commuter account. A list of unblacklisted accounts is pushed to all entry transit readers to allow access to select commuters. The stored value can then be used to pay for a fare amount using the transit pass. When the stored value has dropped below a minimum value, a communication process provides for warning messages to be transmitted using the phone number, and optionally automatically retrieve funds by transmitting Multiple Premium Messages.

Abstract: A plurality of consumer accounts are stored in a data store before being activated by consumers, each having a first pass code and a first PAN or other consumer account identifier. A data exchange module receives an SMS message including a second pass code and extracts a first phone number from the message. A consumer account activation module identifies a selected one of the consumer accounts by matching the second pass code with a selected one of the first pass codes, and stores the first phone number as a second phone number in association in the selected consumer account. A communication and routing module receives a charge request including a second PAN, and identifies a selected one of the consumer accounts by associating one of the first PANs with the second PAN. A transaction processing system then reduces a stored value of the identified consumer account based on the charge.