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1.发明授权Methods and systems for bulk activation of multiple, disparate stored value accounts 有权用于批量激活多个不同存储值帐户的方法和系统公开(公告)号：US08554614B2
公开(公告)日：2013-10-08
申请号：US11837252
申请日：2007-08-10
CPC分类号： G06Q20/208 , G06K19/00 , G06Q40/00
摘要： According to one embodiment of the invention, a method of activating a plurality of disparate stored value accounts utilizes a set of multiple presentation instruments redeemable at different merchants. Each presentation instrument includes a unique presentation instrument identifier used to associate value with the presentation instrument. Also, the set includes a set identifier, which may be included on a package that secures the presentation instruments together. In one embodiment, the set identifier is received over an electronic network, a list of the presentation instruments in the set is accessed from a computer database, and each of the presentation instruments is activated.
摘要翻译： 根据本发明的一个实施例，激活多个不同的存储价值账户的方法利用可在不同商家兑换的一组多个呈现工具。 每个演示文稿包括用于将值与演示文稿相关联的独特的演示文稿标识符。 此外，该集合包括可以包含在将演示文稿固定在一起的包装上的集合标识符。 在一个实施例中，通过电子网络接收设置的标识符，从计算机数据库访问该集合中的呈现工具的列表，并且激活每个呈现工具。
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公开(公告)号：US08566239B2
公开(公告)日：2013-10-22
申请号：US11830468
申请日：2007-07-30
IPC分类号： G06Q10/00
CPC分类号： G06Q10/00 , G06Q20/105 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/3278 , G06Q20/363 , H04L63/10 , H04W12/08
摘要： Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.
摘要翻译： 公开了用于在各种类型的金融交易中使用移动电子设备的方法，系统和机器可读介质。 根据一个实施例，提供多个移动商务功能的方法可以包括接收与移动设备的移动钱包应用的功能相关的通信。 可以基于通信涉及的移动钱包应用的功能来识别用于处理通信的多个获取系统中的一个或多个。 通信可以被路由到所识别的一个或多个获取系统以处理通信。 在一些情况下，可以从所识别的一个或多个获取系统中的至少一个接收对通信的回复，并且可以将该回复发送给接收者。
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公开(公告)号：US20090121012A1
公开(公告)日：2009-05-14
申请号：US12268839
申请日：2008-11-11
CPC分类号： G07F7/1008 , G06Q20/3276 , G06Q20/346 , G09C5/00 , H04L9/3226 , H04L2209/56 , H04L2209/80 , H04M1/2755 , H04M1/72561 , H04M2250/52
摘要： A three dimensional (3d) bar code can be affixed to a financial instrument (e.g., the credit card) sent to a consumer. Upon receiving the financial instrument, the consumer can acquire an image of the 3D bar code with an image capture device (e.g., a camera) of a mobile device. The mobile device can interpret or decode the 3D bar code to extract a web address. The mobile device may then send a request for a web page associated with the web address, which could be returned by the web server at the financial institution. The web page may allow the consumer to enter personal information. Upon receiving the personal information, the financial institution can verify the information, authenticate the consumer, and activate the financial account.
摘要翻译： 可以将三维（3d）条形码贴到发送给消费者的金融工具（例如，信用卡）上。 在接收到金融工具时，消费者可以使用移动设备的图像捕获设备（例如，照相机）获取3D条形码的图像。 移动设备可以解读或解码3D条形码以提取网址。 然后，移动设备可以发送与web地址相关联的网页的请求，该网页可以由网络服务器在金融机构返回。 该网页可以允许消费者输入个人信息。 在收到个人信息后，金融机构可以验证信息，认证消费者，激活财务账户。
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公开(公告)号：US20090088202A1
公开(公告)日：2009-04-02
申请号：US11864231
申请日：2007-09-28
IPC分类号： H04M1/00
CPC分类号： H04M1/72561 , H04M1/2755 , H04M2250/52
摘要： A method of receiving content associated with media includes using a mobile device to acquire an image from media. The image has corresponding content. The method also includes using the mobile device to process the image to thereby produce the content and displaying at least a portion of the content on a display of the mobile device.
摘要翻译： 接收与媒体相关联的内容的方法包括使用移动设备从媒体获取图像。 图像具有相应的内容。 该方法还包括使用移动设备处理图像从而产生内容并且在移动设备的显示器上显示内容的至少一部分。
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公开(公告)号：US20080207234A1
公开(公告)日：2008-08-28
申请号：US11830409
申请日：2007-07-30
IPC分类号： H04Q7/20
CPC分类号： G06Q20/20 , G06Q20/227 , G06Q20/32 , G06Q20/322 , G06Q20/3255 , G06Q20/3278 , G06Q30/02 , G07F17/16
摘要： Methods, systems, and machine-readable media are disclosed for providing marketing messages to a mobile device. According to one embodiment, a method of providing one or more marketing messages to a mobile device in a mobile commerce system can comprise receiving at a mobile wallet server a set of information from an acquirer system. The set of information can identify one or more marketing offers. One or more marketing messages can be generated by the mobile wallet server based on the set of information identifying the one or more marketing offers. For example, the marketing messages can comprise Short Message Service (SMS) messages, email messages, or other types of messages. Each of the one or more marketing messages can be sent from the mobile wallet server to one or more mobile devices.
摘要翻译： 公开了用于向移动设备提供营销消息的方法，系统和机器可读介质。 根据一个实施例，向移动商务系统中的移动设备提供一个或多个营销消息的方法可以包括在移动钱包服务器处从获取方系统接收一组信息。 该组信息可以识别一个或多个营销报价。 移动钱包服务器可以基于识别一个或多个营销优惠的一组信息来生成一个或多个营销消息。 例如，营销消息可以包括短消息服务（SMS）消息，电子邮件消息或其他类型的消息。 一个或多个营销消息中的每一个可以从移动钱包服务器发送到一个或多个移动设备。
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公开(公告)号：US09947002B2
公开(公告)日：2018-04-17
申请号：US12031864
申请日：2008-02-15
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/352 , G06Q20/40
摘要： Methods, systems, and machine-readable media are disclosed for securely authorizing a financial transaction utilizing an electronic payment credential. According to one embodiment, a method of authorizing a financial transaction utilizing an electronic payment credential can comprise maintaining information identifying an account associated with the electronic payment credential. The information can also identify one or more electronic devices authorized to use the electronic payment credential. A request to authorize the transaction can be received. The request can include information identifying an electronic device presenting the payment credential. The transaction can be authorized based at least in part on the information identifying the account. Authorizing can comprise determining the electronic device presenting the payment credential is one of the electronic devices authorized to use the electronic payment credential.
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7.发明申请SYSTEMS AND METHODS FOR STORED-VALUE EXCHANGE WITHIN SOCIAL NETWORKING ENVIRONMENTS 有权在社会网络环境中进行存储交换的系统和方法公开(公告)号：US20090094134A1
公开(公告)日：2009-04-09
申请号：US11868831
申请日：2007-10-08
IPC分类号： G06Q30/00
CPC分类号： G06Q20/10 , G06Q10/10 , G06Q20/36 , G06Q30/02 , G06Q30/0601 , G06Q50/01 , H04L51/32 , H04L67/02 , H04L67/10 , H04L67/26 , H04M1/72525 , H04W4/21
摘要： An electronic social networking environment enables the transfer of stored value between users of the environment. A transfer may be in the form of a gift from one user to another. The stored value may represent actual currency or virtual currency. The stored value may be redeemed within or outside the electronic social networking environment, and may be redeemed with one or more merchants. The stored value may be redeemed for a physical item or service or for a virtual item or service.
摘要翻译： 电子社交网络环境使得能够在环境的用户之间转移存储的价值。 转移可以是从一个用户到另一个用户的礼物的形式。 存储的值可以表示实际货币或虚拟货币。 存储的值可以在电子社交网络环境内或外部兑换，并且可以用一个或多个商家兑换。 可以为物理项目或服务或虚拟项目或服务兑换存储的值。
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8.发明申请公开(公告)号：US20080208743A1
公开(公告)日：2008-08-28
申请号：US11830436
申请日：2007-07-30
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/105
摘要： Methods, systems, and machine-readable media are disclosed for handling payment transactions in a mobile commerce system and initiated between mobile devices. According to one embodiment, a method of processing a payment transaction from a first mobile wallet application of a first mobile device to a second mobile wallet application of a second mobile device in a mobile commerce system can comprise receiving at a first acquirer system a communication from the first mobile device. The communication can be related to the payment transaction and can include information identifying a first financial account from which a payment is requested. A second acquirer system for authorizing the payment can be identified based on the information identifying the first financial account. The communication can be sent to the second acquirer system for authorization of the transaction based on the information related to the first financial account.
摘要翻译： 公开了用于处理移动商务系统中的支付交易并在移动设备之间发起的方法，系统和机器可读介质。 根据一个实施例，一种从移动商务系统中的第一移动设备的第一移动钱包应用程序处理支付交易到第二移动设备的第二移动钱包应用程序的方法可以包括在第一获取系统处接收来自 第一个移动设备。 通信可以与支付交易相关，并且可以包括识别要求付款的第一金融账户的信息。 可以基于识别第一金融账户的信息来识别授权支付的第二收单系统。 可以基于与第一金融账户有关的信息将通信发送到第二收单方系统以授权交易。
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公开(公告)号：US20080208742A1
公开(公告)日：2008-08-28
申请号：US11830420
申请日：2007-07-30
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/105 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/3278 , G06Q20/363 , G06Q30/06
摘要： Methods, systems, and machine-readable media are disclosed for provisioning information to a mobile device in a mobile commerce system. According to one embodiment, a method of provisioning information to a mobile wallet application of a mobile device can comprise receiving at a mobile wallet server registration information for the mobile device from an acquirer system. A determination can be made based on the registration information as to whether the mobile wallet of the mobile device has been previously provisioned. In response to determining that the mobile wallet of the mobile device has not been previously provisioned, a new mobile wallet can be created for the mobile device. A notification can then be sent from the mobile wallet server to the mobile device, the notification indicating the mobile wallet is available for download.
摘要翻译： 公开了用于向移动商务系统中的移动设备提供信息的方法，系统和机器可读介质。 根据一个实施例，向移动设备的移动钱包应用提供信息的方法可以包括：在移动钱包服务器处，从获取方系统接收针对移动设备的注册信息。 可以基于关于移动设备的移动钱包是否已经被提供的注册信息进行确定。 响应于确定移动设备的移动钱包未被预先提供，可以为移动设备创建新的移动钱包。 然后可以从移动钱包服务器向移动设备发送通知，指示移动钱包的通知可用于下载。
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10.发明授权Systems and methods for stored-value exchange within social networking environments 有权社交网络环境中存储价值交换的系统和方法公开(公告)号：US09536256B2
公开(公告)日：2017-01-03
申请号：US11868831
申请日：2007-10-08
CPC分类号： G06Q20/10 , G06Q10/10 , G06Q20/36 , G06Q30/02 , G06Q30/0601 , G06Q50/01 , H04L51/32 , H04L67/02 , H04L67/10 , H04L67/26 , H04M1/72525 , H04W4/21
摘要： An electronic social networking environment enables the transfer of stored value between users of the environment. A transfer may be in the form of a gift from one user to another. The stored value may represent actual currency or virtual currency. The stored value may be redeemed within or outside the electronic social networking environment, and may be redeemed with one or more merchants. The stored value may be redeemed for a physical item or service or for a virtual item or service.
摘要翻译： 电子社交网络环境使得能够在环境的用户之间转移存储的价值。 转移可以是从一个用户到另一个用户的礼物的形式。 存储的值可以表示实际货币或虚拟货币。 存储的值可以在电子社交网络环境内或外部兑换，并且可以用一个或多个商家兑换。 可以为物理项目或服务或虚拟项目或服务兑换存储的值。
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