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公开(公告)号：US12093911B2
公开(公告)日：2024-09-17
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
CPC classification number: G06Q20/20 , G06Q20/227 , G06Q20/322 , G06Q20/3255 , G06Q20/326 , G06Q20/3278 , 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.
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公开(公告)号：US10102538B2
公开(公告)日：2018-10-16
申请号：US15228784
申请日：2016-08-04
Applicant: First Data Corporation
Inventor： Barry F. Pointer , Dominic Morea , Bengt Horsma , Christopher Wuhrer , Jerome Myers , Michelangelo R. Ho , Sarah Owen
Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.
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公开(公告)号：US20190188607A1
公开(公告)日：2019-06-20
申请号：US16283439
申请日：2019-02-22
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
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.
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公开(公告)号：US20180268392A1
公开(公告)日：2018-09-20
申请号：US15920089
申请日：2018-03-13
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
CPC classification number: G06Q20/20 , G06Q20/227 , G06Q20/32 , G06Q20/322 , G06Q20/3255 , G06Q20/3278 , G06Q30/02 , G07F17/16
Abstract: Methods, systems, and machine-readable media are disclosed for providing marketing messages to a mobile device. According to one embodiment, a method of providing one or more marketing messages to a mobile device in a mobile commerce system can comprise receiving at a mobile wallet server a set of information from an acquirer system. The set of information can identify one or more marketing offers. One or more marketing messages can be generated by the mobile wallet server based on the set of information identifying the one or more marketing offers. For example, the marketing messages can comprise Short Message Service (SMS) messages, email messages, or other types of messages. Each of the one or more marketing messages can be sent from the mobile wallet server to one or more mobile devices.
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公开(公告)号：US09460447B2
公开(公告)日：2016-10-04
申请号：US14146558
申请日：2014-01-02
Applicant: First Data Corporation
Inventor： Barry F. Pointer , Dominic Morea , Bengt Horsma , Christopher Wuhrer , Jerome Myers , Michelangelo R. Ho , Sarah Owen
CPC classification number: G06Q30/0215 , G06Q30/0207 , G06Q30/0222 , G06Q30/0236 , G06Q30/0238 , H04W4/021
Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.
Abstract translation: 描述了发行和结算电子券的方法和系统。 金融服务主机可以接收授权和结算信息，其中授权和结算信息包括消费者的帐号。 帐号可以与登记在电子优惠券计划中的消费者帐户相关联。 方法和系统还可以包括向消费者发送指示电子优惠券已被兑换的通知。 与电子优惠券相关联的货币价值可以从与商家相关联的帐户中扣除，并且消费者的帐户可以记入与电子优惠券相关联的货币价值。
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Patent Agency Ranking
公开(公告)号：US20190087806A1
公开(公告)日：2019-03-21
申请号：US16136016
申请日：2018-09-19
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
IPC: 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.
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公开(公告)号：US20140195318A1
公开(公告)日：2014-07-10
申请号：US14146558
申请日：2014-01-02
Applicant: First Data Corporation
Inventor： Barry F. Pointer , Dominic Morea , Bengt Horsma , Christopher Wuhrer , Jerome Myers , Michelangelo R. Ho , Sarah Owen
IPC: G06Q30/02
CPC classification number: G06Q30/0215 , G06Q30/0207 , G06Q30/0222 , G06Q30/0236 , G06Q30/0238 , H04W4/021
Abstract: Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.
Abstract translation: 描述了发行和结算电子券的方法和系统。 金融服务主机可以接收授权和结算信息，其中授权和结算信息包括消费者的帐号。 帐号可以与登记在电子优惠券计划中的消费者帐户相关联。 方法和系统还可以包括向用户发送指示电子优惠券已被兑换的通知。 与电子优惠券相关联的货币价值可以从与商家相关联的帐户中扣除，并且消费者的帐户可以记入与电子优惠券相关联的货币价值。
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公开(公告)号：US20140025461A1
公开(公告)日：2014-01-23
申请号：US13629229
申请日：2012-09-27
Applicant: FIRST DATA CORPORATION
Inventor： Kevin Joseph Knowles , Sarah Owen , Julie Christine Bohn , Robert James Cole , Sammy Leigh Coleman , Peter R. Cavicchi, III , Susan Munn Young , Amy Lynne Kirshenbaum
CPC classification number: G06Q30/0222 , G06Q30/0215
Abstract: Methods, systems, and computer-executable instructions for processing financial transactions are provided. An exemplary method includes receiving a request from a merchant to authorize payment for a transaction using a financial account of a customer. The request includes information about the transaction. The method further includes analyzing the transaction information based on a profile of the customer that is linked to the financial account and based on data pertaining to at least one other related transaction. Finally, the method includes generating a message about the transaction based on the analysis and transmitting the message to a recipient.
Abstract translation: 提供了用于处理金融交易的方法，系统和计算机可执行指令。 示例性方法包括从商家接收授权使用客户的金融账户进行交易的支付的请求。 请求包括有关交易的信息。 所述方法还包括基于与所述金融账户相关联的所述客户的简档并且基于与至少一个其他相关交易有关的数据分析所述交易信息。 最后，该方法包括基于分析生成关于事务的消息并将消息发送给接收者。
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公开(公告)号：US20140025453A1
公开(公告)日：2014-01-23
申请号：US13760987
申请日：2013-02-06
Applicant: FIRST DATA CORPORATION
Inventor： Kevin Joseph Knowles , Julie Christine Bohn , Peter R. Cavicchi, III , Natalie Cekan , Robert James Cole , Sammy Leigh Coleman , Jigar G. Desai , John W. Graham , Amy Lynne Kirshenbaum , Sarah Owen , Lisa Marie Shank , Alan Surell , Susan Munn Young
IPC: G06Q30/02
CPC classification number: G06Q30/0222 , G06Q30/0215
Abstract: Methods, systems, and computer-executable instructions for automatically processing promotion redemptions are provided. An exemplary method includes linking promotion information with an account of a customer in a database. The promotion information pertains to a promotion for a product or service offered by a merchant. The method includes receiving a request to provide payment for a transaction using the customer account. The request includes an amount of the transaction and an identifier of the customer account. The method further includes retrieving the promotion information from the database based on the identifier, verifying that the transaction is eligible for the promotion based on the retrieved promotion information, and adjusting the amount of the transaction based on the retrieved promotion information.
Abstract translation: 提供了用于自动处理促销赎回的方法，系统和计算机可执行指令。 示例性方法包括将促销信息与数据库中的客户的帐户相关联。 促销信息涉及商家提供的产品或服务的促销。 该方法包括接收使用客户帐户提供交易支付的请求。 该请求包括交易量和客户帐户的标识符。 该方法还包括基于标识符从数据库中检索促销信息，基于检索到的促销信息来验证交易是否符合促销的条件，以及基于检索到的促销信息来调整交易量。
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公开(公告)号：US20190188677A1
公开(公告)日：2019-06-20
申请号：US16284685
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.
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