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1.发明授权公开(公告)号：US08489067B2
公开(公告)日：2013-07-16
申请号：US11428874
申请日：2006-07-06
IPC分类号： G06Q20/00
CPC分类号： G06Q20/325 , G06Q20/102 , G06Q20/32 , G06Q20/322 , G06Q20/3223 , G06Q20/3255
摘要： Methods and systems for distributing a mobile device application for use in making and receiving payments utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A downloadable mobile device application, when installed on a compatible mobile device, is operative for communicating with a mobile financial transaction system (MFTS) that facilitates the making and receiving of payments via wireless mobile devices. The downloadable mobile device application is provided via a download system that downloads the application to mobile devices according to download procedures appropriate for a particular type of mobile device. When a payment is made to a payee having a mobile device, system communicates a message to the payee's mobile device that informs that a payment has been made and instructs the payee about the downloadable mobile device application. If the mobile device user/payee downloads and installs the mobile device application on his or her mobile device and provides enrollment information, interaction between the MFTS and the mobile device user/payee is permitted, and payment is provided to the mobile device user as user/payee.
摘要翻译： 用于分发用于使用诸如移动电话（蜂窝电话）或无线连接的个人数字助理（PDA）的移动设备进行和接收支付的移动设备应用的方法和系统。 可下载的移动设备应用程序安装在兼容的移动设备上时，可操作用于与移动金融交易系统（MFTS）进行通信，该移动金融交易系统有助于通过无线移动设备进行支付和接收。 可下载的移动设备应用通过下载系统提供，该下载系统根据适合于特定类型的移动设备的下载过程将应用程序下载到移动设备。 当向具有移动设备的收款人进行支付时，系统向收款人的移动设备传达通知已经进行了支付的消息，并指示收款人关于可下载的移动设备应用程序。 如果移动设备用户/收款人在他或她的移动设备上下载并安装移动设备应用并且提供注册信息，则MFTS和移动设备用户/收款人之间的交互被允许，并且作为用户向移动设备用户提供支付 /收款人。
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2.发明申请METHODS AND SYSTEMS FOR MAKING A PAYMENT VIA A STORED VALUE CARD IN A MOBILE ENVIRONMENT 审中-公开通过移动环境存储的价值卡来支付付款的方法和系统公开(公告)号：US20130013501A1
公开(公告)日：2013-01-10
申请号：US13618787
申请日：2012-09-14
CPC分类号： G06Q20/325 , G06Q20/02 , G06Q20/023 , G06Q20/10 , G06Q20/102 , G06Q20/32 , G06Q20/3221 , G06Q20/3223 , G06Q20/3255 , G06Q30/04 , G06Q30/06
摘要： Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card. The MFTS communicates the MFTS payment instruction to the payment instruction recipient.
摘要翻译： 使用诸如移动电话（手机）或无线连接的个人数字助理（PDA）的移动设备通过存储值（SV）卡向收款人进行财务支付的方法和系统。 移动设备与存储用户信息和交易信息的移动金融交易系统（MFTS）进行无线通信。 用户通过移动设备输入识别收款人并指示存储卡支付方法的信息。 移动设备产生包括与所识别的收款人相对应的信息并指示存储卡支付方法的移动支付指令。 移动支付指令被无线地传送到MFTS。 MFTS向支付指令接收者生成一个MFTS支付指令，该支付指令接收者可以发行新的储值卡和/或将资金重新载入预先存储的储值卡上。 MFTS将MFTS支付指令传送给支付指令接收者。
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3.发明授权公开(公告)号：US08467766B2
公开(公告)日：2013-06-18
申请号：US11428866
申请日：2006-07-06
IPC分类号： H04K1/00
CPC分类号： G06Q40/02 , G06Q20/042 , G06Q20/108 , G06Q20/14 , G06Q20/223 , G06Q20/32 , G06Q20/322 , G06Q20/3221 , G06Q20/3223 , G06Q20/325 , G06Q20/385 , G06Q30/06
摘要： Methods and systems for selecting a payment source for use in making a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for electronic communications with one or more financial service providers with which the user maintains one or more accounts, and also for wireless communications with mobile devices. The mobile device displays information corresponding to accounts available to the user as a payment source for use in connection with making a payment using the mobile device. The user selects a payment source for making a payment. The mobile device generates a mobile payment instruction comprising information corresponding to the payment and a selected payment source. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction that includes an amount, information corresponding to the identified payee, and information indicating the selected payment source. The MFTS payment instruction is communicated to the payment instruction recipient, which effects the payment utilizing the selected payment source.
摘要翻译： 用于选择使用诸如移动电话（蜂窝电话）或无线连接的个人数字助理（PDA）的移动设备进行移动金融支付的支付来源的方法和系统。 移动金融交易系统（MFTS）被耦合用于与用户维护一个或多个帐户的一个或多个金融服务提供商的电子通信，以及用于与移动设备的无线通信。 移动设备将与用户可用的帐户相对应的信息显示为用于使用移动设备进行支付的支付来源。 用户选择付款来源进行付款。 移动设备生成包括与付款相对应的信息和所选支付来源的移动支付指令。 移动支付指令被无线地传送到MFTS。 MFTS产生一个MFTS支付指令，该指令包括一个金额，对应于所识别的收款人的信息，以及指示所选支付来源的信息。 MFTS支付指令被传送给支付指令接收者，这使得利用所选择的支付来源影响支付。
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4.发明授权Methods and systems for payment method selection by a payee in a mobile environment 有权收款人在移动环境中选择支付方式的方法和系统公开(公告)号：US08121945B2
公开(公告)日：2012-02-21
申请号：US11428879
申请日：2006-07-06
CPC分类号： G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/223 , G06Q20/32 , G06Q20/3221 , G06Q20/3223 , G06Q20/325 , G06Q30/04
摘要： Methods and systems for receiving a financial payment facilitated by use of a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user/payee, and also is coupled for electronic communication with a payment instruction recipient that effects payments by various methods. The system provides information corresponding to a received payment to a user/payee's mobile device. Information is displayed to the user/payee corresponding to a plurality of selectable payment methods available for receiving the payment. The user/payee provides input on his/her mobile device corresponding to selection of a payment method for receiving the payment. The mobile device generates a mobile payment instruction indicating the selected payment method and wirelessly communicates the mobile payment instruction to the MFTS. The MFTS generates and communicates an MFTS payment instruction including an amount, the identified payee, and the selected payment method, to a payment instruction recipient. The payment instruction recipient, in response to receipt of the MFTS payment instruction, effects a payment to the user/payee utilizing the selected payment method.
摘要翻译： 通过使用诸如移动电话（蜂窝电话）或无线连接的个人数字助理（PDA）的移动设备来接收财务支付的方法和系统。 移动金融交易系统（MFTS）被耦合用于与用户/收款人的移动设备的无线通信，并且还被耦合用于通过各种方法实现支付的支付指令接收者进行电子通信。 该系统向用户/收款人的移动设备提供与接收到的支付相对应的信息。 根据可用于接收付款的多种可选支付方式，向用户/收款人显示信息。 用户/收款人根据选择用于接收付款的支付方式提供他/她的移动设备上的输入。 移动设备生成指示所选择的支付方式的移动支付指令，并将移动支付指令无线地传送到MFTS。 MFTS生成并将包括金额，所识别的收款人和所选择的支付方式的MFTS支付指令传送到支付指令接收者。 支付指令接收者响应于接收到MFTS支付指令，利用所选择的支付方式向用户/收款人付款。
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5.发明申请Methods and Systems For Making a Payment Via A Stored Value Card in a Mobile Environment 有权通过移动环境中的存储卡进行支付的方法和系统公开(公告)号：US20080040265A1
公开(公告)日：2008-02-14
申请号：US11428860
申请日：2006-07-06
IPC分类号： G06Q40/00
CPC分类号： G06Q20/325 , G06Q20/02 , G06Q20/023 , G06Q20/10 , G06Q20/102 , G06Q20/32 , G06Q20/3221 , G06Q20/3223 , G06Q20/3255 , G06Q30/04 , G06Q30/06
摘要： Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card. The MFTS communicates the MFTS payment instruction to the payment instruction recipient, which arranges for payment to the identified payee by issuing a new stored value card or reloading funds onto a pre-existing stored value card.
摘要翻译： 使用诸如移动电话（手机）或无线连接的个人数字助理（PDA）的移动设备通过存储值（SV）卡向收款人进行财务支付的方法和系统。 移动设备与存储用户信息和交易信息的移动金融交易系统（MFTS）进行无线通信。 用户通过移动设备输入识别收款人并指示存储卡支付方法的信息。 移动设备产生包括与所识别的收款人相对应的信息并指示存储卡支付方法的移动支付指令。 移动支付指令被无线地传送到MFTS。 MFTS向支付指令接收者生成一个MFTS支付指令，该支付指令接收者可以发行新的储值卡和/或将资金重新加载到预先存储的存储卡上。 MFTS将MFTS支付指令传送给支付指令接收方，支付指令接收方通过发行新的储值卡或将资金重新装载到预先存储的存储卡上来安排向所识别的收款人支付。
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6.发明申请Methods and Systems For Making a Payment Via a Stored Value Card in a Mobile Environment 审中-公开在移动环境中通过存储卡进行支付的方法和系统公开(公告)号：US20120265677A1
公开(公告)日：2012-10-18
申请号：US13492992
申请日：2012-06-11
IPC分类号： G06Q40/00
CPC分类号： G06Q20/325 , G06Q20/02 , G06Q20/023 , G06Q20/10 , G06Q20/102 , G06Q20/32 , G06Q20/3221 , G06Q20/3223 , G06Q20/3255 , G06Q30/04 , G06Q30/06
摘要： Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card. The MFTS communicates the MFTS payment instruction to the payment instruction recipient.
摘要翻译： 使用诸如移动电话（手机）或无线连接的个人数字助理（PDA）的移动设备通过存储值（SV）卡向收款人进行财务支付的方法和系统。 移动设备与存储用户信息和交易信息的移动金融交易系统（MFTS）进行无线通信。 用户通过移动设备输入识别收款人并指示存储卡支付方法的信息。 移动设备产生包括与所识别的收款人相对应的信息并指示存储卡支付方法的移动支付指令。 移动支付指令被无线地传送到MFTS。 MFTS向支付指令接收者生成一个MFTS支付指令，该支付指令接收者可以发行新的储值卡和/或将资金重新载入预先存储的储值卡上。 MFTS将MFTS支付指令传送给支付指令接收者。
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7.发明申请Methods and Systems For Viewing Aggregated Payment Obligations in a Mobile Environment 有权在移动环境中查看汇总付款义务的方法和系统公开(公告)号：US20080010196A1
公开(公告)日：2008-01-10
申请号：US11428861
申请日：2006-07-06
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/102
摘要： Methods and systems for viewing aggregated financial obligations utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile financial transaction system (MFTS) is coupled for wireless communications with a mobile device of a user. The MFTS is also coupled for electronic communications with an aggregator that collects information from a plurality of payees with whom a user has a financial relationship. The MFTS receives payment to make information from the aggregator corresponding to a payment to be made by the user to a payee. The MFTS generates summarized payment to make information comprising a predetermined selected subset of the payment to make information received from the aggregator. The MFTS wireless communicates the summarized payment to make information to the user's mobile device. The summarized payment information is then displayed on a user's mobile device.
摘要翻译： 使用诸如移动电话（手机）或无线连接的个人数字助理（PDA）的移动设备来查看汇总的财务义务的方法和系统。 移动金融交易系统（MFTS）被耦合用于与用户的移动设备的无线通信。 MFTS还耦合用于与从用户具有财务关系的多个收款人收集信息的聚合器的电子通信。 MFTS接收付款以从与由用户对收款人进行的付款相对应的聚合器进行信息。 MFTS产生总括付款以使包括预定的所选支付子集的信息以产生从聚合器接收的信息。 MFTS无线通信汇总的支付以向用户的移动设备发送信息。 然后，将汇总的支付信息显示在用户的移动设备上。
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公开(公告)号：US09911114B2
公开(公告)日：2018-03-06
申请号：US11428860
申请日：2006-07-06
CPC分类号： G06Q20/325 , G06Q20/02 , G06Q20/023 , G06Q20/10 , G06Q20/102 , G06Q20/32 , G06Q20/3221 , G06Q20/3223 , G06Q20/3255 , G06Q30/04 , G06Q30/06
摘要： Methods and systems for making a financial payment to a payee via a stored value (SV) card utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). The mobile device communicates wirelessly with a mobile financial transaction system (MFTS) that stores user information and transaction information. A user enters information via the mobile device identifying a payee and indicating a stored value card payment method. The mobile device generates a mobile payment instruction that includes information corresponding to the identified payee and indicating a stored value card payment method. The mobile payment instruction is wirelessly communicated to the MFTS. The MFTS generates an MFTS payment instruction to a payment instruction recipient that can issue a new stored value card and/or reload funds onto a pre-existing stored value card. The MFTS communicates the MFTS payment instruction to the payment instruction recipient, which arranges for payment to the identified payee by issuing a new stored value card or reloading funds onto a pre-existing stored value card.
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公开(公告)号：US08160959B2
公开(公告)日：2012-04-17
申请号：US11428857
申请日：2006-07-06
CPC分类号： G06Q20/223 , G06Q20/042 , G06Q20/10 , G06Q20/32 , G06Q20/322 , G06Q20/3221 , G06Q20/3223 , G06Q20/325
摘要： Methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected personal digital assistant (PDA) that communicates with a mobile financial transaction system (MFTS) that stores user and transaction information. The MFTS receives information on behalf of a mobile device user corresponding to bills to pay or other payments to make. The MFTS also receives information corresponding to payment sources available for use in making payments. Selected payments information and payment source information are communicated to the mobile user via a wireless network and displayed for user selection. The user selects a payment to make and a payment source. A mobile payment instruction is generated and communicated to the MFTS. The MFTS instructs a payment instruction recipient to make a payment to an identified payee. Real-time updated account and payment balances are provided to the user's mobile device.
摘要翻译： 使用诸如移动电话或与存储用户和交易信息的移动金融交易系统（MFTS）通信的无线连接个人数字助理（PDA））的移动设备在移动环境中进行金融交易的方法和系统。 MFTS代表移动设备用户收到与支付账单或其他付款相对应的信息。 MFTS还收到与可用于付款的支付来源相对应的信息。 所选付款信息和支付来源信息经由无线网络传送给移动用户，并显示供用户选择。 用户选择要付款的付款和支付来源。 生成移动支付指令并传送给MFTS。 MFTS指示付款指示收件人向识别的收款人付款。 实时更新的帐户和付款余额提供给用户的移动设备。
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公开(公告)号：US08073769B2
公开(公告)日：2011-12-06
申请号：US11428857
申请日：2006-07-06
摘要： Methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected personal digital assistant (PDA) that communicates with a mobile financial transaction system (MFTS) that stores user and transaction information. The MFTS receives information on behalf of a mobile device user corresponding to bills to pay or other payments to make. The MFTS also receives information corresponding to payment sources available for use in making payments. Selected payments information and payment source information are communicated to the mobile user via a wireless network and displayed for user selection. The user selects a payment to make and a payment source. A mobile payment instruction is generated and communicated to the MFTS. The MFTS instructs a payment instruction recipient to make a payment to an identified payee. Real-time updated account and payment balances are provided to the user's mobile device.
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