公开(公告)号：US20100015957A1

公开(公告)日：2010-01-21

申请号：US12413476

申请日：2009-03-27

申请人： Glyn Barry SMITH

发明人： Glyn Barry SMITH

IPC分类号： H04M3/42 ,  G06Q20/00 ,  G06Q30/00 ,  G06Q10/00 ,  G06F17/30

CPC分类号： G06Q20/42 ,  G06Q20/10 ,  G06Q20/16 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/40 ,  G06Q20/425 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q40/12 ,  H04M15/00 ,  H04M15/68 ,  H04M2215/0196

摘要： Apparatuses and methods to facilitate customer to supplier funds transfer via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier includes: a server component connected to a network; and a database coupled to the server component. The server component is configured to: transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone of the customer; populate the database with an identification of the telephone number of the customer; receive classifications of offers sold by a plurality of suppliers; populate the database with a table associating the suppliers with classifications of the offers sold by the suppliers, the database including an identification of classifications for the telephone number of the customer; and determine whether to allow or prohibit transmission of text messages to effect payment based upon the identification of the classifications for the telephone number of the customer.

摘要翻译： 设备和方法，以便客户向供应商资金通过溢价消息转账。 一方面，从客户向供应商电子地转移资金的装置包括：连接到网络的服务器组件; 以及耦合到服务器组件的数据库。 服务器组件被配置为：向客户的移动蜂窝电话发送多个附加费率的移动终止短信; 使用客户的电话号码的标识填充数据库; 接收由多个供应商出售的报价分类; 使用将供应商与供应商出售的报价分类相关联的表格填充数据库，数据库包括客户电话号码的分类标识; 并且基于客户的电话号码的分类的识别来确定是允许还是禁止发送文本消息来实现支付。

公开(公告)号：US08116747B2

公开(公告)日：2012-02-14

申请号：US12413476

申请日：2009-03-27

申请人： Glyn Barry Smith

发明人： Glyn Barry Smith

IPC分类号： G06Q40/00 ,  H04M3/42

CPC分类号： G06Q20/42 ,  G06Q20/10 ,  G06Q20/16 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/40 ,  G06Q20/425 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q40/12 ,  H04M15/00 ,  H04M15/68 ,  H04M2215/0196

摘要： Apparatuses and methods to facilitate customer to supplier funds transfer via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier includes: a server component connected to a network; and a database coupled to the server component. The server component is configured to: transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone of the customer; populate the database with an identification of the telephone number of the customer; receive classifications of offers sold by a plurality of suppliers; populate the database with a table associating the suppliers with classifications of the offers sold by the suppliers, the database including an identification of classifications for the telephone number of the customer; and determine whether to allow or prohibit transmission of text messages to effect payment based upon the identification of the classifications for the telephone number of the customer.

摘要翻译： 设备和方法，以便客户向供应商资金通过溢价消息转账。 一方面，从客户向供应商电子地转移资金的装置包括：连接到网络的服务器组件; 以及耦合到服务器组件的数据库。 服务器组件被配置为：向客户的移动蜂窝电话发送多个附加费率的移动终止短信; 使用客户的电话号码的标识填充数据库; 接收由多个供应商出售的报价分类; 使用将供应商与供应商出售的报价分类相关联的表格填充数据库，数据库包括客户电话号码的分类标识; 并且基于客户的电话号码的分类的识别来确定是允许还是禁止发送文本消息来实现支付。

公开(公告)号：US20100017285A1

公开(公告)日：2010-01-21

申请号：US12413468

申请日：2009-03-27

申请人： Glyn Barry SMITH

发明人： Glyn Barry SMITH

IPC分类号： G06Q30/00 ,  G06Q20/00 ,  G06Q10/00 ,  G06F17/30 ,  G06F17/40 ,  G06Q50/00 ,  H04M3/42

CPC分类号： G06Q20/42 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/16 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/425 ,  G06Q30/0236 ,  G06Q30/04 ,  G06Q30/06 ,  H04M3/493 ,  H04M2203/105

摘要： Apparatuses and methods to transfer funds electronically via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier includes: a server component connected to a network; and a database component coupled to the server component. The server is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after the customer has placed an order with the supplier. The server component is configured to populate the database component with an identification of the customer telephone number. The server component is configured to prompt the customer to supply additional personal data. In response to the additional personal data, the server component populates the database component with the additional personal data.

摘要翻译： 通过高级邮件以电子方式转拨资金的方法和方法。 一方面，从客户向供应商电子地转移资金的装置包括：连接到网络的服务器组件; 以及耦合到服务器组件的数据库组件。 服务器被配置为在客户向供应商发出订单之后，向移动蜂窝电话发送多个附加费率的移动终端文本消息以从客户支付给供应商。 服务器组件被配置为使用客户电话号码的标识填充数据库组件。 服务器组件配置为提示客户提供其他个人数据。 响应于附加个人数据，服务器组件使用附加的个人数据填充数据库组件。

公开(公告)号：US08117124B2

公开(公告)日：2012-02-14

申请号：US12413468

申请日：2009-03-27

申请人： Glyn Barry Smith

发明人： Glyn Barry Smith

IPC分类号： G06Q40/00

CPC分类号： G06Q20/42 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/16 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/425 ,  G06Q30/0236 ,  G06Q30/04 ,  G06Q30/06 ,  H04M3/493 ,  H04M2203/105

摘要： Apparatuses and methods to transfer funds electronically via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier includes: a server component connected to a network; and a database component coupled to the server component. The server is configured to transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after the customer has placed an order with the supplier. The server component is configured to populate the database component with an identification of the customer telephone number. The server component is configured to prompt the customer to supply additional personal data. In response to the additional personal data, the server component populates the database component with the additional personal data.

摘要翻译： 通过高级邮件以电子方式转拨资金的方法和方法。 一方面，从客户向供应商电子地转移资金的装置包括：连接到网络的服务器组件; 以及耦合到服务器组件的数据库组件。 服务器被配置为在客户向供应商发出订单之后，向移动蜂窝电话发送多个附加费率的移动终端文本消息以从客户支付给供应商。 服务器组件被配置为使用客户电话号码的标识填充数据库组件。 服务器组件配置为提示客户提供其他个人数据。 响应于附加个人数据，服务器组件使用附加的个人数据填充数据库组件。

公开(公告)号：US08116730B2

公开(公告)日：2012-02-14

申请号：US12406077

申请日：2009-03-17

申请人： Glyn Barry Smith

发明人： Glyn Barry Smith

IPC分类号： H04M11/00

CPC分类号： G06Q20/16 ,  G06Q10/06316 ,  G06Q20/12 ,  G06Q20/123 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/35785 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q40/025

摘要： Systems and methods are provided to control online transactions via mobile communications. In one aspect, a system includes a data storage facility to store data associating a first telephone number with a second telephone number; 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 controllers. 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 receive a payment request including the first telephone number, identify the second telephone number based on the data, and communicate with a mobile phone at the second telephone number for approval of the payment request.

摘要翻译： 提供系统和方法来通过移动通信来控制在线交易。 一方面，一种系统包括数据存储设施，用于存储将第一电话号码与第二电话号码相关联的数据; 以及与数据存储设施相结合的交换。 交换机包括通用格式处理器和与多个控制器接口的多个转换器。 转换器配置为以不同格式与控制器进行通信，并以通用格式与通用格式处理器进行通信。 通用格式处理器是接收包括第一电话号码的支付请求，基于数据识别第二电话号码，并且以第二电话号码与移动电话进行通信以批准支付请求。

公开(公告)号：US20090006217A1

公开(公告)日：2009-01-01

申请号：US11824607

申请日：2007-06-29

申请人： Glyn Barry Smith

发明人： Glyn Barry Smith

IPC分类号： G06Q30/00 ,  G06Q40/00

CPC分类号： G06Q30/0601 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q30/06 ,  G06Q30/0613 ,  G06Q30/0633 ,  G06Q30/0635

摘要： Effecting an electronic payment from customers to vendors over the Internet is disclosed. A vendor (111) offers a product to potential customers (102) over the Internet. A customer browsers the Internet and the customer has a mobile cellular telephone (202) configured to receive premium rate mobile terminating text messages. Transaction details are transmitted from the vendor to the browsing customer. Order details are then transmitted from the browsing customer to the vendor that require a payment to be made by the customer. In order to effect payment, a plurality of premium rate text messages are transmitted to the telephone (202).

摘要翻译： 披露了通过因特网从客户到供应商的电子支付。 供应商（111）通过互联网向潜在客户（102）提供产品。 客户浏览互联网，并且客户具有移动蜂窝电话（202），其被配置为接收费率高的移动终端文本消息。 交易详情从供应商传送到浏览客户。 然后，订单详细信息从浏览客户传送到需要客户付款的供应商。 为了实现支付，将多个附加费率文本消息发送到电话（202）。

公开(公告)号：US08041639B2

公开(公告)日：2011-10-18

申请号：US12406064

申请日：2009-03-17

申请人： Glyn Barry Smith

发明人： Glyn Barry Smith

IPC分类号： G06Q40/00

CPC分类号： G06Q20/32 ,  G06Q20/108 ,  G06Q20/16 ,  G06Q20/3223 ,  G06Q30/0601

摘要： 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.

摘要翻译： 提供系统和方法以便于通过移动通信进行在线交易。 在一个方面，系统包括用于存储帐户的数据存储设施和与该帐户相关联的电话号码以及与该数据存储设备相连接的交换机。 交换机包括通用格式处理器和多个转换器，以与移动通信的多个不同控制器进行接口。 转换器被配置为以不同格式与控制器进行通信; 并且转换器被配置为以通用格式与通用格式处理器进行通信，以促进存款交易和支付交易。

公开(公告)号：US20100094732A1

公开(公告)日：2010-04-15

申请号：US12369649

申请日：2009-02-11

申请人： Glyn Barry SMITH

发明人： Glyn Barry SMITH

IPC分类号： G06Q20/00 ,  G06Q10/00 ,  H04W4/12

CPC分类号： G06Q20/32 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/4037 ,  G06Q40/12 ,  G07F7/12

摘要： An apparatus includes a processor, storage, memory and a network connection. The processor is configured to: store user details in the storage including a plurality of telephone numbers, each associated with details of a payment card; receive, via the network connection, a request including a first telephone number related to a transaction; identify payment card details based on the first telephone number in response to the request; obtain an indication as to whether the transaction is valid using the first telephone number; and send the payment card details via the network connection to a payment server to process the request if the transaction is determined to be valid.

摘要翻译： 一种装置包括处理器，存储器，存储器和网络连接。 处理器被配置为：将存储器中的用户细节存储包括多个电话号码，每个电话号码与支付卡的细节相关联; 经由所述网络连接接收包括与交易相关的第一电话号码的请求; 根据请求识别基于第一电话号码的支付卡详细信息; 使用第一电话号码获取交易是否有效的指示; 并通过网络连接将支付卡的详细信息发送到支付服务器，以便在交易确定为有效时处理该请求。

公开(公告)号：US20100015944A1

公开(公告)日：2010-01-21

申请号：US12413480

申请日：2009-03-27

申请人： Glyn Barry SMITH

发明人： Glyn Barry SMITH

IPC分类号： H04M11/00

CPC分类号： H04L12/14

摘要： Apparatuses and methods to facilitate customer to supplier funds transfer via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier, includes: a server component connected to a network; and a database coupled to the server component. The server component is configured to: transmit a plurality of premium rate mobile terminating text messages to the first mobile cellular telephone to effect a transfer of funds from the customer for reception by the supplier, after the customer has placed an order with the supplier; and transmit a notification message to a second mobile cellular telephone having a second telephone number to confirm that the transfer of funds has taken place.

摘要翻译： 设备和方法，以便客户向供应商资金通过溢价消息转账。 一方面，一种用于将资金从客户电子转移到供应商的装置，包括：连接到网络的服务器组件; 以及耦合到服务器组件的数据库。 所述服务器组件被配置为：在所述客户向所述供应商发出订单之后，向所述第一移动蜂窝电话发送多个附加费率的移动终端短信消息以从所述客户转移资金以供供应商接收; 并向具有第二电话号码的第二移动蜂窝电话发送通知消息，以确认已经发生资金转移。

公开(公告)号：US20100010911A1

公开(公告)日：2010-01-14

申请号：US12413474

申请日：2009-03-27

申请人： Glyn Barry SMITH

发明人： Glyn Barry SMITH

IPC分类号： G06Q20/00 ,  G06Q30/00

CPC分类号： G06Q20/12 ,  G06Q20/10 ,  G06Q20/3223 ,  G06Q30/0601

摘要： Apparatuses and methods to facilitate customer to supplier funds transfer via premium messages. In one aspect, an apparatus to electronically transfer funds from a customer to a supplier includes: a server component connected to a network; and a database coupled to the server component. The server component is configured to: transmit a plurality of premium rate mobile terminating text messages to the mobile cellular telephone to effect a payment from the customer to the supplier after the customer has placed an order with a supplier; populate the database with an identification of the telephone number of the customer; populate the database with at least one transaction record related to the premium rate text messages; and facilitate access to the transaction record by the customer via the telephone number of the customer.

摘要翻译： 设备和方法，以便客户向供应商资金通过溢价消息转账。 一方面，从客户向供应商电子地转移资金的装置包括：连接到网络的服务器组件; 以及耦合到服务器组件的数据库。 所述服务器组件被配置为：在所述客户向供应商发出订单之后，向所述移动蜂窝电话发送多个高价值移动终端短信消息以从所述客户到所述供应商的支付; 使用客户的电话号码的标识填充数据库; 使用至少一个与费率文本消息相关的交易记录填充数据库; 并通过客户的电话号码方便客户访问交易记录。