SYSTEMS AND METHODS TO SUGGEST PRICES
Systems and methods are provided to suggest prices for payments to be processed via mobile communications. In one aspect, a system includes a data storage facility and an interchange having 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 with the common format processor in a common format. The common format processor is configured to collect funds for processing payments via transmitting premium messages through the converters. The system further includes a network communications interface configured to receive a query from a merchant device identifying at least one attribute of at least one customer. In response, the common format processor determines a set of discrete price points and uses the network communications interface to communicate the set of price points to the merchant device.
1 . A computer-implemented method, comprising:
receiving, in a computing device, a request from a merchant device over a data communications network, the request identifying at least one attribute of at least one customer;
determining, by the computing device, a set of discrete price points, based on the at least one attribute of the customer; and
communicating, by the computing device, the set of discrete price points to the merchant device in replying to the request.
2 . The method of claim 1 , wherein the merchant device is to select a price point from the set of discrete price points and provide an offer at the price point from a merchant to the customer.
3 . The method of claim 2 , further comprising:
receiving, in the computing device, a request to make a payment at the price point to the merchant on behalf of the customer; and
processing, by the computing device, the payment using funds of the customer.
4 . The method of claim 3 , wherein the processing of the payment using funds of the customer comprises:
transmitting, by the computing device, a set of premium messages to the customer, wherein each premium message of the set has a predetermined price, according to which a telecommunication carrier is to bill the customer and provide funds to an operator of the computing device.
5 . The method of claim 4 , wherein an amount of funds received, via the set of premium messages, from the telecommunication carrier is equal to the price point plus an amount of fees the operator of the computing device charges to process the payment.
6 . The method of claim 1 , wherein the set of discrete price points is determined based on predicting an amount of funds collectible from the customer via one or more billing operations.
7 . The method of claim 1 , wherein the attribute is an identification of a country in which the at least one customer resides.
8 . The method of claim 1 , wherein the attribute is an identification of a telecommunication carrier of a mobile phone of the customer.
9 . The method of claim 1 , wherein the attribute is a phone number of a mobile phone of the customer.
10 . The method of claim 1 , wherein the attribute is an internet address of the customer.
11 . The method of claim 1 , wherein the at least one attribute does not identify the customer.
12 . The method of claim 1 , wherein the set of discrete price points is determined based on discrete amounts of funds collected by the computing device from customers having the at least one attribute in processing previous payment transactions.
13 . The method of claim 12 , wherein the previous payment transactions were processed for the merchant device.
14 . The method of claim 1 , wherein the set of discrete price points is determined based on predetermined prices of premium messages transmittable to customers having the at least one attribute.
15 . The method of claim 1 , further comprising:
prioritizing, by the computing device, the set of discrete price points, to indicate likelihood of acceptance to customers having the at least one attribute.
16 . A tangible computer-storage medium storing instructions configured to instruct a computing device to:
receive, in the computing device, a request from a merchant device over a data communications network, the request identifying at least one attribute of at least one customer;
determine, by the computing device, a set of discrete price points, based on the at least one attribute of the customer; and
communicate, by the computing device, the set of discrete price points to the merchant device in replying to the request.
17 . A computing device, comprising:
a data storage facility configured to store payment records associated with at least one attribute of customers;
an interchange coupled with the data storage facility, the interchange including a common format processor and a plurality of converters to interface with a plurality of controllers, the converters configured to communicate with the controllers in different formats, the converters to communicate with the common format processor in a common format, wherein the common format processor is configured to collect funds for processing payments via transmitting premium messages through the converters; and
a network communications interface configured to receive a query from a merchant device, wherein in response to the query that identifies the at least one attribute, the common format processor determines a set of discrete price points based on the payment records and uses the network communications interface to communicate the set of price points to the merchant device.
18 . The device of claim 17 , wherein the discrete price points are based on predetermined prices of the premium messages.
19 . The device of claim 18 , wherein the common format processor is configured to prioritize the discrete price points based on likelihood of being accepted by a potential customer having the at least one attribute.
20 . The device of claim 19 , wherein each respective price point of the discrete price points is equal to an amount of funds receivable from a telecommunication carrier via transmitting one or more premium messages to a mobile phone serviced by the telecommunication carrier minus a fee charged by the interchange to process a payment at the respective price point.