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公开(公告)号：US20180375815A1
公开(公告)日：2018-12-27
申请号：US15732695
申请日：2017-12-15
IPC分类号： H04L12/58 , G06Q30/02 , H04W4/21 , G06Q30/06 , G06Q20/36 , H04L29/06 , G06F21/62 , H04L12/18 , H04L29/08
摘要： The present invention utilizes cloud-based remote Platform as a Service (PaaS) System, together with a short message service (SMS), multi-media message service (MMS) or enhanced messaging service (EMS) text messaging based platforms to create a near real time interactive communications and reverse marketing system, thereby providing merchants, retailers and or sellers the means to rapidly and effectively communicate with their respective customers via the customers' mobile computing devices facilitating the sale of a product or service. The merchant's cloud-based system, which comprises a microprocessor, memory, and communication interface permits the merchant to directly send to and receive messages from the customers' mobile computing device and to detect and to interface with native applications residing on the customers' mobile computing device, thereby allowing the customer to execute near real-time processes to request additional product information, make a bid or counter-offer for products or services or to immediately purchase products or services from the customers' mobile computing device. At the same time, the customer can maintain its own private portal within the merchants' cloud-based system, which allows the customers to store product information for future reference or future purchase, forward and share specific product information to friends via the social media network, communicate directly with the merchant with questions, comments or counter-offers concerning specific products or services or to purchase product or services via mobile payment systems native to the customers' mobile computing device.
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公开(公告)号：US20140188639A1
公开(公告)日：2014-07-03
申请号：US13999358
申请日：2014-02-12
CPC分类号： G06Q20/3255 , G06Q20/204 , G06Q20/206 , G06Q20/34 , G06Q20/425
摘要： The present invention is a security and fraud prevention system which utilizes and controls security devices and uses short message text (SMS) notifications to enhance the security of point-of-sale credit or debit card transactions, using card swipe terminals at retail checkout stations. The invention, through the use of the System's firmware programmed on and located within the card swipe terminal, directs a remote digital camera located at the point-of-sale checkout station, to take a simultaneous photo of the respective cardholder, each time a credit or debit card is swiped at that checkout station. The photo is time stamped and stamped with the identical transaction number and transaction information, which is otherwise generated by the swipe terminal when the credit or debit card is swiped and details of the transaction are transmitted to the VPN for purchase authorization. The time stamped and fully identified photo is then stored on a remote server located on merchant's premises, for possible retrieval and use in the event of a fraudulent transaction. When the VPN receives the transaction for authorization from the participating merchant, it will be instructed to send an SMS text message to the cardholder. The SMS text message will alert the cardholder that its card has been used and ask whether or not that transaction has been attempted by the cardholder. If the cardholder responds yes, the transaction goes through as authorized. If the cardholder answers no, an additional prompt will ask the cardholder again, whether or not the cardholder is certain that the transaction is not theirs. If the no is confirmed, the VPN will alert the merchant that a fraudulent transaction has taken place and cancels the card to prevent future fraudulent use. The present invention then allows the merchant to retrieve the photo identification of the transaction and the perpetrator, to be used for possible prosecution of the violator and to create an in-house database of violators to be used by the merchant's security officers.
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