Boku, Inc.

Daniel Keegan Flanigan

Jang Kim

Wesley D Mateo

Yanting Li

Merchant hosted checkout as described herein allows merchants to process mobile payments via a customized user payment interface ('checkout interface'). The merchant hosted checkout provides dynamic user interface (UI) instructions and user input requirements based on the country and mobile network (carrier) associated with each transaction.

Merchant hosted checkout at a billing server

Merchant hosted checkout at a merchant server

The invention provides a method of processing transactions with a billing server, including receiving, with the billing server, a transaction request API call from a merchant computer including a msisdn, transmitting, with the billing server, a transaction request response to the merchant computer in response to the transaction request API call, including a transmission ID, receiving, with the billing server, a payment authorization text message from a consumer device at the msisdn including a transaction ID, determining, with the billing server, a match between the transaction ID in the text message with the transaction ID in the transaction request response and if a match is determined between the transaction ID's, transmitting, with the billing server, a charge request to a carrier server to charge an account on the carrier server corresponding to the msisdn.

Silent SMS triggering for mobile billing at a billing server

A method of processing transactions is described. A pricing matrix is configured on a billing server. The pricing matrix has a set of cells, each cells corresponding to an intersection between a respective country and a respective target price. The merchant server downloads the pricing matrix periodically from the billing server. The merchant server determines a country of a consumer mobile phone and displays price points corresponding to the country within a mobile phone application. When the consumer selects one of the price points a transaction is processed between the consumer mobile phone, the billing server and a carrier server aligned with the billing server.

Configurable price matrix for mobile billing at a billing server

The invention provides a method of processing transaction with at least one merchant computer, including receiving, with the at least one merchant computer, a confirmation of a purchase from a consumer device, triggering, with the at least one merchant computer, in response to the confirmation of the purchase, a silent text message to the consumer device, wherein a purchasing unit on the consumer device responds to the silent text message by sending a text message with a unique transaction ID to a short code of a billing server via a carrier server to the billing server and receiving, with the at least one merchant computer, in response to triggering the silent text message, a callback notification from the billing server with the transaction ID.

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San Francisco, CA, United States of America

Daniel Keegan Flanigan