Systems and Methods to Provide Credits via Mobile Devices

A computer-readable storage medium storing instructions, the instructions causing a computer to perform a method, the method comprising:

• receiving a request from a merchant, the request identifying a purchase;
• determining a phone number of a mobile phone via which the purchase was paid for;
• storing data representing an amount provided from the merchant to a user of the mobile phone, in accordance with the request;
• and
• transmitting a message to the mobile phone, the message indicating availability of the amount provided by the merchant.

A system, comprising:

• a data storage facility to store phone numbers and records of payments made via the phone numbers towards a plurality of purchases;
• and
• 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 in response to a request from a merchant identifying a purchase and based on one record of the records, the common format processor is to determine a phone number of a mobile phone via which the purchase was paid for and to store in the data storage facility data representing an amount provided from the merchant to a user of the mobile phone in accordance with the request;
• and
• wherein the interchange is to use one converter of the converters to communicate a message to the mobile phone to indicate availability of the amount provided by the merchant.