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公开(公告)号:US10410201B2
公开(公告)日:2019-09-10
申请号:US15695940
申请日:2017-09-05
Applicant: First Data Corporation
Inventor: Douglas Byerley , John Cawthorne , Sunil Dewan , Daniel Skowronek , Steven E. Arthur , Christopher L. Toomer
Abstract: Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices to redeem and report use of various marketing offers such as coupons. According to one embodiment, redeeming and reporting a marketing offer can comprise transmitting information related to the marketing offer from a mobile wallet of the mobile device to a target device. A redemption message can be received at the mobile wallet of the mobile device from the target device. The redemption message can indicate acceptance of the marketing offer. At least a portion of the redemption message can be sent from the mobile wallet of the mobile device to a service provider system providing communication services to the mobile device. Sending the redemption message from the mobile wallet of the mobile device to the service provider system can be performed via a wireless communications network such as a cellular network.
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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:US20170083880A1
公开(公告)日:2017-03-23
申请号:US15368243
申请日:2016-12-02
Applicant: First Data Corporation
Inventor: Christopher L. Toomer , Steven E. Arthur , Debi Rex , Ginger Sayor
CPC classification number: G06Q20/10 , G06Q10/10 , G06Q20/36 , G06Q30/02 , G06Q30/0601 , G06Q50/01 , H04L51/32 , H04L67/02 , H04L67/10 , H04L67/26 , H04M1/72525 , H04W4/21
Abstract: An electronic social networking environment enables the transfer of stored value between users of the environment. A transfer may be in the form of a gift from one user to another. The stored value may represent actual currency or virtual currency. The stored value may be redeemed within or outside the electronic social networking environment, and may be redeemed with one or more merchants. The stored value may be redeemed for a physical item or service or for a virtual item or service.
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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:US20200034816A1
公开(公告)日:2020-01-30
申请号:US16533416
申请日:2019-08-06
Applicant: First Data Corporation
Inventor: Douglas Byerley , John Cawthorne , Sunil Dewan , Daniel Skowronek , Steven E. Arthur , Christopher L. Toomer
Abstract: Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices to redeem and report use of various marketing offers such as coupons. According to one embodiment, redeeming and reporting a marketing offer can comprise transmitting information related to the marketing offer from a mobile wallet of the mobile device to a target device. A redemption message can be received at the mobile wallet of the mobile device from the target device. The redemption message can indicate acceptance of the marketing offer. At least a portion of the redemption message can be sent from the mobile wallet of the mobile device to a service provider system providing communication services to the mobile device. Sending the redemption message from the mobile wallet of the mobile device to the service provider system can be performed via a wireless communications network such as a cellular network.
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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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公开(公告)号:US20180260824A1
公开(公告)日:2018-09-13
申请号:US15979940
申请日:2018-05-15
Applicant: First Data Corporation
Inventor: Christopher L. Toomer , Steven E. Arthur
CPC classification number: G06Q30/02 , G06Q30/0215 , G06Q30/0226 , G06Q30/06 , G06Q30/0601
Abstract: A method of providing content to users includes, at a host computer, receiving a user-initiated request for the content. The request relates to specific service discovery-enabled media and the request includes an identifier. The method also includes using the identifier to locate the content, and providing the content to the user. The method also includes receiving at the host computer one of a user-initiated request to settle a transaction using a previously-identified account, a request to credit a purchase to a previously-identified loyalty program account, and a request to purchase an item from a specific merchant. The method also includes taking an action consistent with the second-listed receiving step.
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公开(公告)号:US20140081781A1
公开(公告)日:2014-03-20
申请号:US14086761
申请日:2013-11-21
Applicant: First Data Corporation
Inventor: Steven E. Arthur
IPC: G06Q20/20
CPC classification number: G06Q20/20 , G06Q20/204 , G06Q20/354 , G06Q30/02
Abstract: According to one embodiment of the invention, a system is provided for activating a plurality of cards. An activation indicator can be provided to an activation system to process the activation of the plurality of cards. If approved, the activation system transmits a message to the POS device indicating the activation.
Abstract translation: 根据本发明的一个实施例,提供一种用于激活多个卡的系统。 可以向激活系统提供激活指示符以处理多个卡的激活。 如果被批准,则激活系统向POS设备发送指示激活的消息。
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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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