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    USER IDENTIFICATION WITHIN A PHYSICAL MERCHANT LOCATION THROUGH THE USE OF A WIRELESS NETWORK
    1.
    发明申请
    USER IDENTIFICATION WITHIN A PHYSICAL MERCHANT LOCATION THROUGH THE USE OF A WIRELESS NETWORK 审中-公开
    通过使用无线网络在物理商业地点进行用户识别

    公开(公告)号：US20120239500A1

    公开(公告)日：2012-09-20

    申请号：US13048060

    申请日：2011-03-15

    申请人： Scott P. MONAHAN

    发明人： Scott P. MONAHAN

    IPC分类号： G06Q30/00 ,  H04W4/02

    CPC分类号： H04W4/021 ,  G01S5/0036 ,  G01S5/0252 ,  G06Q30/02 ,  H04L67/26 ,  H04W4/21 ,  H04W64/00 ,  H04W84/12

    摘要： A method and system are described for determining a location of a consumer within a retail establishment, or other geographical proximity. The method and system use a portable computing device (“PCD”) such as, but not limited to, a mobile phone. The system and method may leverage existing infrastructure, such as wireless routers, to assist the PCD and a remote server in communication with the PCD to determine a location of a consumer in possession of the PCD within a retail location. The system may comprise a PCD running a geo-network discovery (“GND”) module, a server running a service set identifier (“SSID”) verification and rules (“V/R”) module, a telecommunications network, and a wireless router configured to broadcast a unique SSID.

    摘要翻译： 描述了用于确定零售企业内的消费者的位置或其他地理邻近度的方法和系统。 该方法和系统使用诸如但不限于移动电话的便携式计算设备（“PCD”）。 系统和方法可以利用诸如无线路由器之类的现有基础设施来协助PCD和与PCD通信的远程服务器来确定在零售地点内拥有PCD的消费者的位置。 该系统可以包括运行地理网络发现（“GND”）模块的PCD，运行服务集标识符（“SSID”）验证和规则（“V / R”）模块，电信网络和无线 路由器配置为广播唯一的SSID。

    User identification within a physical merchant location through the use of a wireless network
    3.
    发明授权
    User identification within a physical merchant location through the use of a wireless network 有权

    公开(公告)号：US10542372B2

    公开(公告)日：2020-01-21

    申请号：US13048060

    申请日：2011-03-15

    申请人： Scott P. Monahan

    发明人： Scott P. Monahan

    IPC分类号： G06Q30/02 ,  H04W4/021 ,  G01S5/02 ,  G01S5/00 ,  H04L29/08 ,  H04W64/00 ,  H04W4/21 ,  H04W84/12

    摘要： A method and system are described for determining a location of a consumer within a retail establishment, or other geographical proximity. The method and system use a portable computing device (“PCD”) such as, but not limited to, a mobile phone. The system and method may leverage existing infrastructure, such as wireless routers, to assist the PCD and a remote server in communication with the PCD to determine a location of a consumer in possession of the PCD within a retail location. The system may comprise a PCD running a geo-network discovery (“GND”) module, a server running a service set identifier (“SSID”) verification and rules (“V/R”) module, a telecommunications network, and a wireless router configured to broadcast a unique SSID.

    SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE
    4.
    发明申请
    SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE 审中-公开
    用便携式计算设备管理交易的系统和方法

    公开(公告)号：US20120296725A1

    公开(公告)日：2012-11-22

    申请号：US13177973

    申请日：2011-07-07

    申请人： Robert L. DESSERT ,  Robert Canterbury ,  Frank T. Young ,  Scott P. Monahan ,  Rolando F. De Gracia

    发明人： Robert L. DESSERT ,  Robert Canterbury ,  Frank T. Young ,  Scott P. Monahan ,  Rolando F. De Gracia

    IPC分类号： G06Q30/00

    CPC分类号： G06Q20/027 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q30/0208 ,  G06Q30/0238

    摘要： A method and system include verifying credentials for gaining access to a central mobile payment controller using the portable computing device (“PCD”). The central mobile payment controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The central controller may also receive product scan data and compare the product scan data against one of offer data and coupon data in a database. After these comparisons, any matches of product scan data to offer data or coupon data may be sent to the PCD and an electronic cash register (“ECR”). Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the PCD and ECR. During or after the purchase transaction, a message may be generated by the central mobile payment controller which lists one or more preferred payment options.

    摘要翻译： 一种方法和系统包括验证用于使用便携式计算设备（PCD）访问中央移动支付控制器的证书。 中央移动支付控制器可以接收对应于商家的商家标识符，然后可以将商家标识符与存储在数据库中的忠诚帐户数据进行比较。 中央控制器还可以接收产品扫描数据，并将产品扫描数据与数据库中的提供数据和优惠券数据之一进行比较。 经过这些比较之后，可以向PCD和电子收银机（ECR）发送任何产品扫描数据匹配以提供数据或优惠券数据。 类似地，可以将商家标识符与忠诚度帐户数据的任何匹配发送到PCD和ECR。 在购买交易期间或之后，可以由列出一个或多个优选支付选项的中央移动支付控制器产生消息。

    System and Method For Loading A Virtual Token Managed By A Mobile Wallet System
    5.
    发明申请
    System and Method For Loading A Virtual Token Managed By A Mobile Wallet System 审中-公开
    用于加载由移动钱包系统管理的虚拟令牌的系统和方法

    公开(公告)号：US20130159178A1

    公开(公告)日：2013-06-20

    申请号：US13348763

    申请日：2012-01-12

    申请人： Christopher Q. Colon ,  Scott P. Monahan ,  Robert L. Dessert

    发明人： Christopher Q. Colon ,  Scott P. Monahan ,  Robert L. Dessert

    IPC分类号： G06Q20/36

    CPC分类号： G06Q20/36 ,  G06Q20/325 ,  G06Q20/351 ,  G06Q20/385

    摘要： A method and system include receiving a payment account number from a token, such as a traditional credit card. Either the payment account number or a token is communicated over a communications network to a mobile wallet system and/or a vault. A first authorization code may be generated in response to receiving the payment account number or token. Next, the first authorization code is then transmitted over the communications network for relaying the first authorization code to a portable computing device, such as a mobile phone. The portable computing device receives the authorization code and re-transmits the code (as a second authorization code) over the communications network. Subsequently, the first and second code from the portable computing device are compared to determine if a match exists. If a match exists, then the payment account number is loaded into the mobile wallet system for use as a virtual token.

    摘要翻译： 方法和系统包括从诸如传统信用卡的令牌接收支付帐号。 支付帐号或令牌通过通信网络传送到移动钱包系统和/或保管库。 可以响应于接收到支付帐号或令牌而产生第一授权码。 接下来，然后通过通信网络发送第一授权码，用于将第一授权码中继到诸如移动电话的便携式计算设备。 便携式计算设备接收授权码并通过通信网络重新发送代码（作为第二授权码）。 随后，比较来自便携式计算设备的第一和第二代码以确定是否存在匹配。 如果存在匹配项，则支付帐号被加载到移动钱包系统中以用作虚拟令牌。