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1. 发明申请

WO2011063258A1 SYSTEM AND METHODS TO AUTOMATE THE INITIATION OF TRANSACTIONS VIA MOBILE DEVICES 审中-公开
标题翻译：通过移动设备自动启动交易的系统和方法
公开(公告)号：WO2011063258A1
公开(公告)日：2011-05-26
申请号：PCT/US2010/057472
申请日：2010-11-19
申请人： BOKU, INC. , GOODSALL, James , HIRSON, Ron
发明人： GOODSALL, James , HIRSON, Ron
IPC分类号： H04M3/42
CPC分类号： G06Q20/322 , G06Q20/12 , G06Q20/16 , G06Q20/32 , G06Q30/0641 , H04M15/00 , H04M15/835 , H04M15/84 , H04M15/844 , H04M15/85 , H04M15/858 , H04M17/00 , H04M17/20 , H04M17/201 , H04M17/202 , H04M17/204 , H04W4/00 , H04W4/24
摘要： Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a plurality of converters to interface with a plurality of controllers in different formats for delivery of premium messages; and a common format processor coupled with the plurality of converters in a common format to send the premium messages. In one embodiment, the common format processor is to obtain an authorization for the initiation of communications with a mobile phone of a user for subsequent payments to a merchant. After obtaining the authorization, the common format processor may directly initiate communications with the mobile phone, using one of the converters, to obtain confirmation of payments directly requested by the merchant. Upon confirmation with the mobile phone, the common format processor may send premium messages to the mobile phone to collect funds for making the confirmed payments.
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。一方面，一种系统包括多个转换器，用于以不同格式与多个控制器进行接口，用于传送优质消息; 以及以通用格式与多个转换器耦合以发送优质消息的公共格式处理器。在一个实施例中，通用格式处理器是获得用于启动与用户的移动电话的通信的授权，用于随后向商家付款。在获得授权之后，通用格式处理器可以使用其中一个转换器直接发起与移动电话的通信，以获得商家直接请求的支付确认。在通过手机确认之后，通用格式处理器可以向移动电话发送优质消息以收集确认支付的资金。

2. 发明申请

WO2012148842A1 SYSTEMS AND METHODS TO FACILITATE REPEATED PURCHASES 审中-公开
标题翻译：促进重复购买的系统和方法
公开(公告)号：WO2012148842A1
公开(公告)日：2012-11-01
申请号：PCT/US2012/034639
申请日：2012-04-23
申请人： BOKU, INC. , DAVIS, Kurt , KIM, Jang , YOO, David , GOODSALL, James
发明人： DAVIS, Kurt , KIM, Jang , YOO, David , GOODSALL, James
IPC分类号： G06Q30/06
CPC分类号： G06Q20/22 , G06Q20/123 , G06Q20/16 , G06Q20/32 , G06Q20/3255 , G06Q20/40
摘要： Systems and methods are provided to facilitate repeated purchase and payment transactions. In one aspect, a system includes an interchange and a data storage facility configured to store payment transaction records associated with phone numbers. 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 to communicate with the common format processor in a common format. The common format processor is configured to identify a prior payment transaction associated with a phone number in response to a message from a mobile phone having the phone number, communicate with a merchant to repeat a purchase according to the prior payment transaction, and transmit via one of the converters premium messages to the mobile phone to collect funds for a payment to repeat the purchase.
摘要翻译：提供系统和方法以便于重复购买和支付交易。在一个方面，系统包括交换和数据存储设施，其被配置为存储与电话号码相关联的支付交易记录。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。通用格式处理器被配置为响应于来自具有电话号码的移动电话的消息来识别与电话号码相关联的先前付款交易，与商家通信以根据先前的支付交易来重复购买，并且经由一个的转换器高级消息到手机收集资金用于支付重复购买。

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