Text-to-bill transaction processing system

A method of processing a transaction comprising:

• receiving, with a processor of a text-to-bill processing system, a text message from a phone number, the text message having a merchant keyword component and a transaction details component;
• using, with the processor of the text-to-bill processing system, the merchant keyword to lookup a select merchant server from a merchant server data store having a plurality of merchant servers and a plurality of merchant keywords associated with the respective merchant servers in the merchant server data store;
• transmitting, with the processor of the text-to-bill processing system, the transaction details component to the select merchant server;
• receiving, with the processor of the text-to-bill processing system, a charge from the merchant server in response to the transmission of the transaction details component, the charge including an amount;
• causing, with the processor of the text-to-bill processing system, entry of the charge amount in an accounts database against a phone number in response to receiving the charge from the merchant sever;
• and
• transmitting, with the processor of the text-to-bill processing system, a text message to a mobile phone at the phone number, the text message being transmitted including a fulfillment message.

A computer-readable medium having stored thereon a set of instructions which, when executed by a processor of a text-to-bill processing system, performs a method of processing a transaction comprising:

• receiving, with the processor of the text-to-bill processing system, a text message from a phone number, the text message having a merchant keyword component and a transaction details component;
• using, with the processor of the text-to-bill processing system, the merchant keyword to lookup a select merchant server from a merchant server data store having a plurality of merchant servers and a plurality of merchant keywords associated with the respective merchant servers in the merchant server data store;
• transmitting, with the processor of the text-to-bill processing system, the transaction details component to the select merchant server;
• receiving, with the processor of the text-to-bill processing system, a charge from the merchant server in response to the transmission of the transaction details component, the charge including an amount;
• causing, with the processor of the text-to-bill processing system, entry of the charge amount in an accounts database against a phone number in response to receiving the charge from the merchant sever;
• and
• transmitting, with the processor of the text-to-bill processing system, a text message to a mobile phone at the phone number, the text message being transmitted including a fulfillment message.