Patent ID: 8660911

Claim:
A computer implemented method, comprising: receiving, by a computing device, a request to process a payment for an amount to a merchant; determining, by the computing device, service charges associated with one or more messages; providing, by the computing device, an interface to communicate with the merchant after the amount is received by the computing device, the interface including the service charges and an input field for the merchant to enter an input; receiving, in the computing device, the input from the merchant; determining, by the computing device, a total price of one or more messages, in response to a first customer making a first purchase from the merchant at a first price, wherein a total price of the one or more messages is based on the first price and a portion of the service charges associated with the one or more messages, the portion being specified by the input received via the interface; transmitting, from the computing device, the one or more messages to one or more telecommunication carriers of a mobile phone of the first customer, in response to the customers making purchases from a merchant; receiving funds from the one or more telecommunication carriers, wherein the one or more telecommunication carriers charge the first customer according to the total price and provide the funds after deducting service charges associated with the messages; and paying the merchant for the purchases on behalf of the customer using the funds.