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    System and method for a mobile wallet
    2.
    发明授权
    System and method for a mobile wallet 有权
    移动钱包的系统和方法

    公开(公告)号：US08930271B1

    公开(公告)日：2015-01-06

    申请号：US13456157

    申请日：2012-04-25

    申请人： Stephen M. Ellis ,  Michael J. Kennedy ,  Ashish Bhoopen Kurani ,  Melissa Lowry ,  Uma Meyyappan ,  Bipin Sahni ,  Nikolai Stroke

    发明人： Stephen M. Ellis ,  Michael J. Kennedy ,  Ashish Bhoopen Kurani ,  Melissa Lowry ,  Uma Meyyappan ,  Bipin Sahni ,  Nikolai Stroke

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/36 ,  G06Q30/0224 ,  G06Q30/0267

    摘要： A computer-implemented system and method for providing offers to a mobile device includes receiving at least one offer from at least one merchant at an offer computer system and determining, by the offer computer system, an offer to present on the mobile device based on at least one characteristic of a user of the mobile device, the offer providing the user a discount from a price of a product or service. The method includes receiving a request for a code to provide to a merchant, the code being generated for the mobile device that belongs to the user. The method includes receiving, from a mobile device, an indication from the user to use the offer and sending, by the offer computer system, to the mobile device an offer code to be displayed on the mobile device to be received by a merchant.

    摘要翻译： 用于向移动设备提供优惠的计算机实现的系统和方法包括：在提供计算机系统处从至少一个商家接收至少一个报价，并由提供计算机系统确定基于at的在该移动设备上呈现的报价 移动设备的用户的至少一个特征，该提供向用户提供来自产品或服务的价格的折扣。 该方法包括接收针对为商家提供的代码的请求，该代码是为属于用户的移动设备生成的。 该方法包括从移动设备接收来自用户的使用该提议的指示并由提供计算机系统向移动设备发送将要在商店上接收的移动设备上显示的报价代码。

    System and method for a mobile wallet
    4.
    发明授权
    System and method for a mobile wallet 有权
    移动钱包的系统和方法

    公开(公告)号：US09117242B1

    公开(公告)日：2015-08-25

    申请号：US13456176

    申请日：2012-04-25

    申请人： Stephen M. Ellis ,  Michael J. Kennedy ,  Ashish Bhoopen Kurani ,  Melissa Lowry ,  Uma Meyyappan ,  Bipin Sahni ,  Nikolai Stroke

    发明人： Stephen M. Ellis ,  Michael J. Kennedy ,  Ashish Bhoopen Kurani ,  Melissa Lowry ,  Uma Meyyappan ,  Bipin Sahni ,  Nikolai Stroke

    IPC分类号： G06F17/30 ,  G06Q40/00

    CPC分类号： G06Q40/00

    摘要： A computer-implemented system and method includes receiving, from a mobile device, a request to initiate a transaction. The method includes receiving, from the mobile device, a selection of a stored value card from among a plurality of stored value cards as a payment option for the transaction. Additionally or alternatively, the method includes receiving value card information from the mobile device of a user and transferring funds from the balance of the value card to the merchant. The method includes reducing the balance of the value card by the amount of the transferred funds.

    摘要翻译： 计算机实现的系统和方法包括从移动设备接收发起事务的请求。 所述方法包括从所述移动设备接收从所述多个存储值卡中的存储值卡的选择作为所述交易的支付选项。 另外或替代地，该方法包括从用户的移动设备接收价值卡信息，并将资金从价值卡的余额转移到商家。 该方法包括减值卡的余额转入资金金额。

    System and method for a mobile wallet
    5.
    发明授权
    System and method for a mobile wallet 有权
    移动钱包的系统和方法

    公开(公告)号：US08924292B1

    公开(公告)日：2014-12-30

    申请号：US13456169

    申请日：2012-04-25

    申请人： Stephen M. Ellis ,  Michael J. Kennedy ,  Ashish Bhoopen Kurani ,  Melissa Lowry ,  Uma Meyyappan ,  Bipin Sahni ,  Nikolai Stroke

    发明人： Stephen M. Ellis ,  Michael J. Kennedy ,  Ashish Bhoopen Kurani ,  Melissa Lowry ,  Uma Meyyappan ,  Bipin Sahni ,  Nikolai Stroke

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/3821 ,  G06Q20/3224 ,  G06Q20/3274 ,  G06Q20/36 ,  G06Q30/0255 ,  G06Q30/0261 ,  G06Q30/0267 ,  G06Q40/02

    摘要： A computer-implemented system and method includes receiving a request to perform a transaction between a user having a mobile device and the user having account at a financial institution and a merchant. The method includes determining a first location of the user based on a location of the mobile device and the method includes determining a second location of the user based on a location of the merchant. The first and second locations are compared to ensure a match between the two locations. The method further includes receiving an identifier that is embedded in a code that is displayable on the mobile device. The method includes transmitting an indication that the transaction has been completed based on the identifier and based on the match of the first and second location.

    摘要翻译： 计算机实现的系统和方法包括接收在具有移动设备的用户和在金融机构和商家之间具有帐户的用户之间执行交易的请求。 该方法包括基于移动设备的位置确定用户的第一位置，并且该方法包括基于商家的位置来确定用户的第二位置。 比较第一和第二位置以确保两个位置之间的匹配。 该方法还包括接收嵌入在可在移动设备上显示的代码中的标识符。 该方法包括基于标识符并基于第一和第二位置的匹配来发送交易已经完成的指示。