Systems and methods to facilitate online transactions

H - Electricity – 04 – W

Patent

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H04W 4/24 (2009.01) H04W 4/14 (2009.01) G06Q 20/16 (2012.01) G06Q 20/32 (2012.01)

Patent

CA 2750851

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 the converters are configured to communicate with the common format processor in a common format to facilitate deposit transactions and payment transactions.

La présente invention concerne des systèmes et des procédés pour faciliter des transactions en ligne via des communications mobiles. Selon un aspect de l'invention, un système comprend un moyen de stockage de données permettant le stockage d'un compte et d'un numéro de téléphone associé au compte, et un dispositif d'échange d'informations couplé au moyen de stockage de données. Le dispositif d'échange d'informations comprend un processeur de format commun et une pluralité de convertisseurs servant d'interface avec une pluralité de différents contrôleurs de communications mobiles. Les convertisseurs sont configurés pour communiquer avec les contrôleurs dans différents formats, et les convertisseurs sont configurés pour communiquer avec le processeur de format commun dans un format commun pour faciliter des transactions de dépôt et des transactions de paiement.

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