公开(公告)号：US20130132196A1

公开(公告)日：2013-05-23

申请号：US13736637

申请日：2013-01-08

Applicant: Mocapay, Inc.

Inventor： Douglas J. Hurst

IPC: G06Q30/02

CPC classification number: G06Q30/0255 ,  G06Q30/02 ,  G06Q30/0267 ,  H04M3/4211 ,  H04M3/4878 ,  H04M2201/36 ,  H04M2207/18

Abstract: Methods and systems for sending marketing messages to mobile-device users from a mobile-commerce platform are described. In various illustrative embodiments, a marketing message is transmitted to a mobile-device user before, during, or after a transaction between the mobile-device user's mobile device and the mobile-commerce platform. The marketing message can be generated and timed based on rules input to the mobile-commerce platform by a merchant and can be based on historical transaction data associated with the mobile-device user, transaction parameters associated with a current or a most-recently-completed transaction involving the mobile-device user, a transaction type of a current or a most-recently-completed transaction involving the mobile-device user, or a combination thereof, depending on the particular embodiment.

公开(公告)号：US20140249922A1

公开(公告)日：2014-09-04

申请号：US14277446

申请日：2014-05-14

Applicant: MOCAPAY, INC.

Inventor： Douglas J. Hurst

IPC: G06Q30/02

CPC classification number: G06Q30/0255 ,  G06Q30/02 ,  G06Q30/0267 ,  H04M3/4211 ,  H04M3/4878 ,  H04M2201/36 ,  H04M2207/18

Abstract: Methods and systems for sending marketing messages to mobile-device users from a mobile-commerce platform are described. In various illustrative embodiments, a marketing message is transmitted to a mobile-device user before, during, or after a transaction between the mobile-device user's mobile device and the mobile-commerce platform. The marketing message can be generated and timed based on rules input to the mobile-commerce platform by a merchant and can be based on historical transaction data associated with the mobile-device user, transaction parameters associated with a current or a most-recently-completed transaction involving the mobile-device user, a transaction type of a current or a most-recently-completed transaction involving the mobile-device user, or a combination thereof, depending on the particular embodiment,

Abstract translation: 描述了从移动商务平台向移动设备用户发送营销消息的方法和系统。 在各种说明性实施例中，在移动设备用户的移动设备和移动商务平台之间的交易之前，期间或之后，向移动设备用户传送营销消息。 可以基于商家输入到移动商务平台的规则来生成和定时营销消息，并且可以基于与移动设备用户相关联的历史交易数据，与当前或最近完成的交易参数相关联的交易参数 取决于具体实施例，涉及移动设备用户的事务，涉及移动设备用户的当前或最近完成的交易的交易类型或其组合，

公开(公告)号：US08725580B2

公开(公告)日：2014-05-13

申请号：US13666487

申请日：2012-11-01

Applicant: Mocapay, Inc.

Inventor： Douglas J. Hurst

IPC: G06Q10/00

CPC classification number: G06Q30/06 ,  G06Q40/02

Abstract: A method and system for routing transactions to a mobile-commerce platform is described. One illustrative embodiment receives, via a network, a purchase request from a user's mobile communication device; authenticates the user to the mobile-commerce platform; generates a one-time-use perishable transaction code associated with the purchase request; prefixes to the transaction code an Issuer Identification Number (IIN) corresponding to the mobile-commerce platform to form a combined number; returns the combined number to the user's mobile communication device via the network to enable the user to provide the combined number to a merchant's point-of-sale system in connection with a transaction corresponding to the purchase request; and receives, via a payment network in communication with the merchant's point-of-sale system, the transaction code and transaction details associated with the transaction, the IIN informing the payment network to route the one-time-use perishable transaction code and the transaction details to the mobile-commerce platform.

Abstract translation: 描述了用于将事务路由到移动商务平台的方法和系统。 一个说明性实施例经由网络接收来自用户的移动通信设备的购买请求; 将用户认证给移动商务平台; 生成与购买请求相关联的一次性易腐烂交易代码; 前缀到交易代码一个与移动商务平台相对应的发行人识别码（IIN），形成一个组合号码; 通过网络将组合的号码返回给用户的移动通信设备，以使得用户可以结合与购买请求对应的交易向商家的销售点系统提供组合的号码; 并且通过与商户的销售点系统通信的支付网络接收与交易相关联的交易代码和交易细节，IIN通知支付网络来路由一次性使用易腐烂的交易代码和交易 细节到移动商务平台。

公开(公告)号：US09292862B2

公开(公告)日：2016-03-22

申请号：US14277446

申请日：2014-05-14

Applicant: MOCAPAY, INC.

Inventor： Douglas J. Hurst

IPC: G06Q30/02 ,  H04M3/487 ,  H04M3/42

CPC classification number: G06Q30/0255 ,  G06Q30/02 ,  G06Q30/0267 ,  H04M3/4211 ,  H04M3/4878 ,  H04M2201/36 ,  H04M2207/18

Abstract: Methods and systems for sending marketing messages to mobile-device users from a mobile-commerce platform are described. In various illustrative embodiments, a marketing message is transmitted to a mobile-device user before, during, or after a transaction between the mobile-device user's mobile device and the mobile-commerce platform. The marketing message can be generated and timed based on rules input to the mobile-commerce platform by a merchant and can be based on historical transaction data associated with the mobile-device user, transaction parameters associated with a current or a most-recently-completed transaction involving the mobile-device user, a transaction type of a current or a most-recently-completed transaction involving the mobile-device user, or a combination thereof, depending on the particular embodiment.

公开(公告)号：US20150302389A1

公开(公告)日：2015-10-22

申请号：US14258841

申请日：2014-04-22

Applicant: MOCAPAY, INC.

Inventor： William O. White ,  Douglas J. Hurst

IPC: G06Q20/32 ,  G06Q30/02 ,  G06Q20/40

Abstract: A system and method for distributing incentives via mobile devices is described. One embodiment, a computer-server-based method, receives a request from a merchant to generate an incentive which incentive is funded and initiated by the merchant, receives the incentive, associates the incentive with a recipient's phone number, and transmits a notification of the incentive to a mobile device associated with the recipient's phone number, the computer server acting as a server-side wallet for the incentive, the incentive being usable, through interaction with the computer server, by the recipient for the purchase of goods or services from the merchant associated with the incentive.

Abstract translation: 描述了一种通过移动设备分配激励的系统和方法。 一个实施例，一种基于计算机服务器的方法，从商家接收请求以生成由商家资助和发起的激励的激励，接收激励，将激励与接收者的电话号码相关联，并且发送 激励与接收者的电话号码相关联的移动设备，计算机服务器作为用于激励的服务器侧钱包，通过与计算机服务器的交互来激活可用的激励，由接收者从用户购买的商品或服务 与激励有关的商人。

公开(公告)号：US20130060688A1

公开(公告)日：2013-03-07

申请号：US13666487

申请日：2012-11-01

Applicant: MOCAPAY, INC.

Inventor： Douglas J. Hurst

IPC: G06Q20/32 ,  G06Q20/36 ,  G06Q20/40

CPC classification number: G06Q30/06 ,  G06Q40/02

Abstract: A method and system for routing transactions to a mobile-commerce platform is described. One illustrative embodiment receives, via a network, a purchase request from a user's mobile communication device; authenticates the user to the mobile-commerce platform; generates a one-time-use perishable transaction code associated with the purchase request; prefixes to the transaction code an Issuer Identification Number (IIN) corresponding to the mobile-commerce platform to form a combined number; returns the combined number to the user's mobile communication device via the network to enable the user to provide the combined number to a merchant's point-of-sale system in connection with a transaction corresponding to the purchase request; and receives, via a payment network in communication with the merchant's point-of-sale system, the transaction code and transaction details associated with the transaction, the IIN informing the payment network to route the one-time-use perishable transaction code and the transaction details to the mobile-commerce platform.

Abstract translation: 描述了用于将事务路由到移动商务平台的方法和系统。 一个说明性实施例经由网络接收来自用户的移动通信设备的购买请求; 将用户认证给移动商务平台; 生成与购买请求相关联的一次性易腐烂交易代码; 前缀到交易代码一个与移动商务平台相对应的发行人识别码（IIN），形成一个组合号码; 通过网络将组合的号码返回给用户的移动通信设备，以使得用户可以结合与购买请求对应的交易向商家的销售点系统提供组合的号码; 并且通过与商户的销售点系统通信的支付网络接收与交易相关联的交易代码和交易细节，IIN通知支付网络来路由一次性易腐烂交易代码和交易 细节到移动商务平台。