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    Mobile communication systems and methods for redeeming and reporting coupons
    13.
    发明授权
    Mobile communication systems and methods for redeeming and reporting coupons 有权

    公开(公告)号：US11295289B2

    公开(公告)日：2022-04-05

    申请号：US16533416

    申请日：2019-08-06

    Applicant: First Data Corporation

    Inventor： Douglas Byerley ,  John Cawthorne ,  Sunil Dewan ,  Daniel Skowronek ,  Steven E. Arthur ,  Christopher L. Toomer

    IPC: G06Q20/32 ,  G06Q20/38 ,  G06Q30/02 ,  G07F17/42 ,  G06Q30/06

    Abstract: Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices to redeem and report use of various marketing offers such as coupons. According to one embodiment, redeeming and reporting a marketing offer can comprise transmitting information related to the marketing offer from a mobile wallet of the mobile device to a target device. A redemption message can be received at the mobile wallet of the mobile device from the target device. The redemption message can indicate acceptance of the marketing offer. At least a portion of the redemption message can be sent from the mobile wallet of the mobile device to a service provider system providing communication services to the mobile device. Sending the redemption message from the mobile wallet of the mobile device to the service provider system can be performed via a wireless communications network such as a cellular network.

    MARKETING MESSAGES IN MOBILE COMMERCE
    14.
    发明申请
    MARKETING MESSAGES IN MOBILE COMMERCE 审中-公开

    公开(公告)号：US20200226568A1

    公开(公告)日：2020-07-16

    申请号：US16829592

    申请日：2020-03-25

    Applicant: First Data Corporation

    Inventor： Steven E. Arthur ,  Christopher L. Toomer ,  Sarah Owen ,  Theodore VanDeburg

    IPC: G06Q20/20 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q30/02 ,  G07F17/16

    Abstract: A computer-implemented method of conducting wireless transaction includes receiving, using an antenna of a point of sale device, one or more electromagnetic signals from a mobile device of a customer. The electromagnetic signals are interpreted using a communications module of the point of sale device to determine information related to a financial account of the customer. Using a network interface of the point of sale device, a connection with an acquirer system is initiated. Using the network interface a packet of data including an authorization request is transmitted over the connection to the acquirer system. The packet of data includes the information related to the financial account, a merchant identifier, a date, and a transaction amount. An authorization code is received from the acquirer system using the network interface. An electronic receipt is transmitted to the mobile device using the network interface.

    MOBILE-TO-MOBILE DEVICE INTERACTIONS
    15.
    发明申请
    MOBILE-TO-MOBILE DEVICE INTERACTIONS 审中-公开

    公开(公告)号：US20190188678A1

    公开(公告)日：2019-06-20

    申请号：US16284736

    申请日：2019-02-25

    Applicant: First Data Corporation

    Inventor： Steven E. Arthur ,  Christopher L. Toomer ,  Sarah Owen ,  Theodore VanDeburg

    IPC: G06Q20/32

    CPC classification number: G06Q20/322 ,  G06Q20/32

    Abstract: Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.

    Mobile commercial systems and methods
    16.
    发明授权
    Mobile commercial systems and methods 有权

    公开(公告)号：US10242326B2

    公开(公告)日：2019-03-26

    申请号：US14052397

    申请日：2013-10-11

    Applicant: First Data Corporation

    Inventor： Steven E. Arthur ,  Christopher L. Toomer ,  Sarah Owen ,  Theodore VanDeburg

    IPC: G06Q20/10 ,  G06Q10/00 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/36 ,  H04L29/06 ,  H04W12/08

    Abstract: 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.

    SECURE AUTHORIZATION OF CONTACTLESS TRANSACTION
    17.
    发明申请
    SECURE AUTHORIZATION OF CONTACTLESS TRANSACTION 审中-公开

    公开(公告)号：US20180276645A1

    公开(公告)日：2018-09-27

    申请号：US15925178

    申请日：2018-03-19

    Applicant: First Data Corporation

    Inventor： Christopher L. Toomer ,  Steven E. Arthur

    IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/40

    CPC classification number: G06Q20/32 ,  G06Q20/20 ,  G06Q20/3223 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/40

    Abstract: 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.

    METHODS AND SYSTEMS FOR BULK ACTIVATION OF MULTIPLE, DISPARATE STORED VALUE ACCOUNTS
    18.
    发明申请
    METHODS AND SYSTEMS FOR BULK ACTIVATION OF MULTIPLE, DISPARATE STORED VALUE ACCOUNTS 有权
    多项独立储存价值账户大量活动的方法与系统

    公开(公告)号：US20140089114A1

    公开(公告)日：2014-03-27

    申请号：US14036347

    申请日：2013-09-25

    Applicant: First Data Corporation

    Inventor： Douglas P. Dwyre ,  Steven E. Arthur ,  Christopher L. Toomer ,  Kenneth Algiene

    IPC: G06Q20/20 ,  G06K19/00

    CPC classification number: G06Q20/208 ,  G06K19/00 ,  G06Q40/00

    Abstract: 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.

    Abstract translation: 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裹上的集合标识符。 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。

    MOBILE COMMERCIAL SYSTEMS AND METHODS
    19.
    发明申请
    MOBILE COMMERCIAL SYSTEMS AND METHODS 审中-公开
    移动商业系统和方法

    公开(公告)号：US20140040052A1

    公开(公告)日：2014-02-06

    申请号：US14052397

    申请日：2013-10-11

    Applicant: First Data Corporation

    Inventor： Steven E. Arthur ,  Christopher L. Toomer ,  Sarah Owen ,  Theodore VanDeburg

    IPC: G06Q20/32 ,  G06Q20/20

    CPC classification number: G06Q10/00 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q20/363 ,  H04L63/10 ,  H04W12/08

    Abstract: 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.

    Abstract translation: 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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