Systems and Methods to Automate Transactions via Mobile Devices

A method, comprising:

• providing a software development kit to a developer of a mobile application, the software development kit including a set of instructions to be included as part of the mobile application, when executed on a mobile phone the set of instructions to cause the mobile phone to:
• identify a Mobile Subscriber Integrated Services Digital Network Number (MSISDN) of the mobile phone,
• communicate with a remote server to determine a set of discrete price points supported by a mobile carrier of the mobile phone, wherein the user of the phone number is chargeable via the mobile carrier at the set of discrete price points,
• provide the set of discrete price points to the mobile application,
• receive a charge request from the mobile application in accordance with an application programming interface provided by the software development kit, the charge request being based on the set of discrete price points,
• communicate the charge request to the remote server,
• monitor an inbox of the mobile phone for a message from the remote server indicating a success in fulfilling the charge request, and
• notify the mobile application of the success in accordance with the application programming interface.

A system, comprising:

• a data storage facility to store data associating phone numbers with accounts;
• 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 of mobile communications, the converters configured to communicate with the controllers in different formats, the converters to communicate with the common format processor in a common format, the common format processor configured with an application programming interface to receive requests via Hypertext Transfer Protocol, the requests including
• a first request having an identification of a phone number, an identification of a merchant, and an amount, and
• a second request having an identification of the first request,
• wherein the common format processor is to use one converter of the converters to transmit a message to a telephonic apparatus at the phone number to confirm the first request;
• wherein after the first request is confirmed via communicating with the telephonic apparatus at the phone number, the common format processor is to charge the user of the phone number according to the amount specified in the first request;
• and
• wherein the common format processor is to provide a status of the first request in response to the second request, in accordance with the application programming interface.