Patent ID: 9202211
Filing Date: 2015-12-01
Classification: G06Q

Abstract:
1. A computer-implemented method of performing transactions, comprising: receiving, by an interchange, a top-up request from a server when the server determines that a balance of an account held by a user on the server falls below a predetermined amount due to an activity of the user on the server; charging, by the interchange, a phone number account held by a carrier for a top-up amount in response to receiving the top-up request; receiving, by the interchange, an indication of payment from the carrier; and paying, with the interchange, the server based on the amount, thereby topping-up the balance of the account on the server using funds from the carrier and processing a previous payment for the phone number; receiving, in the computing device, a message from a mobile phone having a phone number; identifying, by the computing device in response to the message, the previous payment transaction processed by the computing device for the number; communicating, by the computing device, with a merchant to repeat a purchase identified according to the previous payment transaction; and processing, by the computing device, a payment to the merchant using funds associated with the phone number to repeat the purchase.