公开(公告)号：US20180189801A1

公开(公告)日：2018-07-05

申请号：US15907680

申请日：2018-02-28

申请人： Mark Carlson ,  Peter Ciurea

发明人： Mark Carlson ,  Peter Ciurea

IPC分类号： G06Q30/02

CPC分类号： G06Q30/02 ,  G06Q30/0215

摘要： A system and a method for using a portable consumer device such as a mobile phone are disclosed. In one embodiment, a method according to the present invention comprises referencing data regarding an individual consumer stored as part of a payment processing network to generate an electronic coupon targeted to the individual consumer. The electronic coupon is transmitted to a mobile device of the individual consumer over a communications network, and purchase transaction utilizing the electronic coupon is processed over the payment processing network. In certain embodiments, the electronic coupon may be generated based upon temporal and/or geographic information of a prior purchase transaction conducted using the payment processing network.

公开(公告)号：US09940627B2

公开(公告)日：2018-04-10

申请号：US11960173

申请日：2007-12-19

申请人： Mark Carlson ,  Peter Ciurea

发明人： Mark Carlson ,  Peter Ciurea

IPC分类号： G06Q20/00 ,  G06Q30/02

CPC分类号： G06Q30/02 ,  G06Q30/0215

摘要： A system and a method for using a portable consumer device such as a mobile phone are disclosed. In one embodiment, a method according to the present invention comprises referencing data regarding an individual consumer stored as part of a payment processing network to generate an electronic coupon targeted to the individual consumer. The electronic coupon is transmitted to a mobile device of the individual consumer over a communications network, and purchase transaction utilizing the electronic coupon is processed over the payment processing network. In certain embodiments, the electronic coupon may be generated based upon temporal and/or geographic information of a prior purchase transaction conducted using the payment processing network.

公开(公告)号：US08600875B2

公开(公告)日：2013-12-03

申请号：US13084426

申请日：2011-04-11

申请人： Peter Ciurea

发明人： Peter Ciurea

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q40/00

摘要： Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions.

摘要翻译： 提出了使用搜索引擎技术改进认证和风险分析流程的系统和方法。 在一个潜在的实现中，作为用户和商家之间的交易的一部分，在支付处理网络处接收到授权请求消息。 支付处理网络基于与与商家的交易相关联的用户的搜索历史来分析风险。 部分地基于与用户搜索历史相关联的风险进行对认证请求的响应。 在另外的实施例中，用户将搜索引擎注册为用于改进认证的服务的一部分，其中用户接受允许搜索引擎服务器存储搜索和交易数据的隐私设置。 搜索引擎服务器将搜索和交易数据传递到风险分析服务器，以创建可用于验证交易的风险参数。

公开(公告)号：US20110251950A1

公开(公告)日：2011-10-13

申请号：US13083231

申请日：2011-04-08

申请人： Peter Ciurea

发明人： Peter Ciurea

IPC分类号： G06Q40/00

CPC分类号： G06Q20/22 ,  G06Q20/10 ,  G06Q40/02

摘要： A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount.

摘要翻译： 第一种方法包括在计算机设备处接收包括第一商户标识符的授权请求消息。 请求消息还可以包括与帐户相关联的帐户标识符和用于与第一商家进行的第一交易的第一交易金额。 第一种方法还包括由计算机设备确定帐户是否包括与可能用于进行第一交易的第一商家相关联的商户特定货币。 然后可以确定是否存在与帐户中的第一商家相关联的足够的商家特定货币以支付第一交易金额。 如果与第一商户相关联的商家特定货币不足以支付第一交易金额，则帐户中的非特定货币自动应用于第一交易金额的剩余部分。

公开(公告)号：US20110035278A1

公开(公告)日：2011-02-10

申请号：US12849789

申请日：2010-08-03

申请人： Edward W. Fordyce, III ,  Michelle Eng Winters ,  Kevin Paul Siegel ,  Leigh Amaro ,  Charles Raymond Byce ,  Nurtekin Savas ,  Peter Ciurea ,  James Alan VonDerheide ,  Diane C. Salmon

发明人： Edward W. Fordyce, III ,  Michelle Eng Winters ,  Kevin Paul Siegel ,  Leigh Amaro ,  Charles Raymond Byce ,  Nurtekin Savas ,  Peter Ciurea ,  James Alan VonDerheide ,  Diane C. Salmon

IPC分类号： G06Q40/00 ,  G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q20/10 ,  G06Q30/0235 ,  G06Q30/0238 ,  G06Q30/0251 ,  G06Q30/0256 ,  G06Q30/0267 ,  G06Q30/0268 ,  G06Q30/0269

摘要： In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.

摘要翻译： 在一个方面，一种计算设备被配置为便于识别由在基本上分离的上下文或环境中发生的活动而导致的事务，诸如由在线广告产生的“实体”零售商店中的离线交易 在线搜索 计算装置可以将关于活动的信息和关于事务的信息相关联以使在线活动和离线交易相关联。 匹配过程可能涉及使用折扣优惠，奖励，回扣，奖励，奖励积分，现金回赠，礼物等。该优惠将在与在线活动相关联的广告中提供并被赎回 在通过交易处理程序处理的支付交易中，将广告和交易相关联。

公开(公告)号：US20080201226A1

公开(公告)日：2008-08-21

申请号：US11960162

申请日：2007-12-19

申请人： Mark Carlson ,  Peter Ciurea

发明人： Mark Carlson ,  Peter Ciurea

IPC分类号： G06Q30/00 ,  G01S5/00

CPC分类号： G06Q20/387 ,  G06Q30/02 ,  G06Q30/0225 ,  G06Q30/0239

摘要： Embodiments of the present invention relate to systems and methods involving mobile coupons. In one embodiment, an indication of a prior purchase transaction over a payment processing network, serves as a trigger to generate and disseminate a mobile coupon for a subsequent transaction. By generating and promulgating the coupon within a limited time of the first transaction, the recipient is disposed to be receptive based upon his or her current shopping status and also possibly geographic location. According to another embodiment, information from a mobile coupon may be presented from the consumer to a merchant in a contactless manner, utilizing an antenna of a portable device operated by a consumer. Coupon information may be communicated to the merchant with the payment information, or prior to or subsequent to transmission of the payment information to the merchant.

摘要翻译： 本发明的实施例涉及涉及移动优惠券的系统和方法。 在一个实施例中，通过支付处理网络的先前购买交易的指示用作生成和传播随后交易的移动优惠券的触发器。 通过在第一次交易的有限时间内生成和发布优惠券，接收者被设置为基于他或她当前的购物状态以及可能的地理位置接受。 根据另一实施例，利用由消费者操作的便携式设备的天线，来自移动优惠券的信息可以以无接触的方式从消费者呈现给商家。 优惠券信息可以用支付信息，或者在向商家发送支付信息之前或之后传送给商家。