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    SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE
    1.
    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 CREATING AND MANAGING A SHARED STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT DEVICE
    2.
    发明申请
    SYSTEM AND METHOD FOR CREATING AND MANAGING A SHARED STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT DEVICE 审中-公开
    用于创建和管理与客户设备相关的共享存储值帐户的系统和方法

    公开(公告)号：US20110218907A1

    公开(公告)日：2011-09-08

    申请号：US12841914

    申请日：2010-07-22

    申请人： Robert L. Dessert ,  Frank T. Young

    发明人： Robert L. Dessert ,  Frank T. Young

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/02 ,  G06Q20/10 ,  G06Q30/06

    摘要： A method for creating and managing a shared stored value account associated with a client device is disclosed. The method may include assigning a first unique identifier to an owner of a stored value account and assigning a primary account number to the stored value account. The method may further include receiving input to create a shared stored value account based on the stored value account as well as receiving input corresponding to an intended recipient of the shared stored value account. The method may also include creating a second unique identifier that is associated with the intended recipient of the shared stored value account and that is associated with the primary account number assigned to the stored value account. The method may also include displaying options for restrictions as well as creating a second primary account number that is associated with the second unique identifier for tracking the restrictions.

    摘要翻译： 公开了一种用于创建和管理与客户端设备相关联的共享存储值帐户的方法。 该方法可以包括将第一唯一标识符分配给存储值帐户的所有者并且将主帐号分配给存储值帐户。 该方法还可以包括接收输入以基于所存储的价值账户创建共享的存储值账户，以及接收对应于共享存储值账户的预期收件人的输入。 该方法还可以包括创建与共享存储值帐户的预期接收者相关联并且与分配给存储值帐户的主帐户号码相关联的第二唯一标识符。 该方法还可以包括显示用于限制的选项以及创建与用于跟踪限制的第二唯一标识符相关联的第二主帐号。

    SYSTEM AND METHOD FOR CREATING AND MANAGING A STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT UNIQUE IDENTIFIER
    3.
    发明申请
    SYSTEM AND METHOD FOR CREATING AND MANAGING A STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT UNIQUE IDENTIFIER 审中-公开
    用于创建和管理与客户端标识符相关的存储值帐户的系统和方法

    公开(公告)号：US20110166992A1

    公开(公告)日：2011-07-07

    申请号：US12851724

    申请日：2010-08-06

    申请人： Robert L. Dessert ,  Frank T. Young ,  Ben D. Ackerman ,  Gwenael B. Delaine ,  Lindsey K. Dorman ,  Eric R. Kraar

    发明人： Robert L. Dessert ,  Frank T. Young ,  Ben D. Ackerman ,  Gwenael B. Delaine ,  Lindsey K. Dorman ,  Eric R. Kraar

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/32 ,  G06Q20/0655 ,  G06Q20/10 ,  G06Q20/227 ,  G06Q20/28 ,  G06Q20/322 ,  G06Q20/351 ,  G06Q20/3572

    摘要： A method for creating and managing a stored value account associated with a client device is disclosed and may include receiving one of a merchant identifier and an unbranded place holder to associate with the stored value account, receiving an amount of value to assign to the stored value account, and creating a virtual token for the stored value account that is associated with the client device. The method may further include creating a unique identifier associated with a client device, if a stored value account is associated with a merchant identifier, then creating an account number, and if a stored value account is associated with a merchant identifier, then creating an association between the account number and the unique identifier and between the account identifier and the merchant identifier in a database.

    摘要翻译： 公开了一种用于创建和管理与客户端设备相关联的存储值帐户的方法，并且可以包括接收商户标识符和未标记占位符之一以与存储的价值帐户相关联，接收一定量的值以分配给存储的值 帐户，并为与客户端设备相关联的存储值帐户创建虚拟令牌。 该方法还可以包括创建与客户端设备相关联的唯一标识符，如果存储的值帐户与商家标识符相关联，则创建帐号，并且如果存储的价值帐户与商家标识符相关联，则创建关联 帐号与唯一标识符之间以及帐号与数据库中的商家标识之间。