公开(公告)号：US20090112684A1

公开(公告)日：2009-04-30

申请号：US11925181

申请日：2007-10-26

Applicant: Christopher L. Toomer ,  Steven E. Arthur

Inventor： Christopher L. Toomer ,  Steven E. Arthur

IPC: G06Q30/00 ,  G06Q20/00

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.

Abstract translation: 向用户提供内容的方法包括在主机计算机上接收用户发起的对内容的请求。 该请求涉及具体的启用服务发现的媒体，并且请求包括标识符。 该方法还包括使用标识符来定位内容，并向用户提供内容。 该方法还包括在主计算机处接收用户发起的使用先前识别的帐户结算交易的请求之一，向先前确定的忠诚度计划帐户授予购买的请求，以及从购买项目的请求 一个具体的商家。 该方法还包括采取与第二列出的接收步骤一致的动作。

公开(公告)号：US20090106160A1

公开(公告)日：2009-04-23

申请号：US11875103

申请日：2007-10-19

Applicant: Dan Skowronek

Inventor： Dan Skowronek

IPC: G06Q20/00 ,  G06F19/00 ,  H04L9/00

CPC classification number: G06Q20/40 ,  G06Q20/045 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/401

Abstract: Embodiments generally relate to systems and methods for processing electronic payments for retail services and goods delivered by unattended retail device. In embodiments, an unattended retail device leverages a consumer's mobile appliance to send the transaction and payment information to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the mobile appliance. The mobile appliance then sends the authorization or declination to the unattended retail device. If authorized, the unattended retail device provides the retail good or service.

Abstract translation: 实施例通常涉及用于处理零售服务的电子支付和由无人值守零售设备交付的商品的系统和方法。 在实施例中，无人值守零售设备利用消费者的移动设备将交易和支付信息发送给授权机构。 授权机构收到付款和交易信息，授权或拒绝交易付款，并将授权或拒绝转交给移动设备。 然后，移动设备将授权或拒收权发送到无人参与的零售设备。 如果授权，无人值守零售设备提供零售商品或服务。

公开(公告)号：US07513418B2

公开(公告)日：2009-04-07

申请号：US11313601

申请日：2005-12-20

Applicant: Bruce Dragt ,  Daniel Ahles

Inventor： Bruce Dragt ,  Daniel Ahles

IPC: G06Q40/00

CPC classification number: G06Q20/40 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/401 ,  G06Q40/025

Abstract: Systems and methods are provided for a simplified risk assessment for a promissory transaction when sufficient historical transaction information exists for the check writer. In an embodiment, a computerized method for determining authorization of a financial transaction comprises maintaining a historical transaction value for past transactions associated with related promissory payments, receiving a request from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment, the proffered promissory payment having at least one transaction identifier, accessing the historical transaction value associated with the related promissory payments, and determining based on the historical transaction value whether to authorize the financial transaction based a risk score or whether to authorize the financial transaction based on data stored in a negative database.

Abstract translation: 提供了系统和方法，用于简单的风险评估，对于支票作家有足够的历史交易信息时，承诺交易。 在一个实施例中，用于确定金融交易授权的计算机化方法包括维持与相关期货支付相关联的过去交易的历史交易值，接收来自商家的请求以确定与提供的承付款相关联的金融交易的授权， 具有至少一个交易标识符的提供的承付款，访问与相关承付款相关联的历史交易价值，以及根据历史交易价值确定是否基于风险评分授权金融交易，还是基于数据授权金融交易 存储在负数据库中。

公开(公告)号：US20090078758A1

公开(公告)日：2009-03-26

申请号：US11861932

申请日：2007-09-26

Applicant: Donald R. Crowell

Inventor： Donald R. Crowell

IPC: G06K5/00

CPC classification number: G06Q20/4014 ,  G06Q20/305 ,  G06Q20/40

Abstract: This disclosure describes, generally, methods and systems for performing cardless financial transactions using a telephone number. The method may include registering a customer's telephone number with a financial account of the customer based at least in part on verification of the customer's identity and prompting the customer to enter into a cardless transaction. The method may further include receiving the entered telephone number and personal identification number (PIN). The method may further verify the entered telephone number by comparing it to the registered telephone number, and in response to verification of the entered telephone number, retrieve account information for the financial account. The method may further include verifying the entered PIN by comparing it to a corresponding PIN associated with the financial account, and granting access to the financial account based on verification of the entered telephone number and PIN.

Abstract translation: 本公开一般地描述了使用电话号码执行无证券金融交易的方法和系统。 该方法可以包括至少部分地基于对客户身份的验证并且提示客户进入无卡交易来将顾客的电话号码注册到客户的财务帐户。 该方法还可以包括接收输入的电话号码和个人识别号码（PIN）。 该方法可以通过将输入的电话号码与注册的电话号码进行比较来进一步验证所输入的电话号码，并且响应于所输入的电话号码的验证，检索该金融账户的账户信息。 该方法还可以包括通过将输入的PIN与与金融账户相关联的相应PIN进行比较来验证输入的PIN，以及基于输入的电话号码和PIN的验证来授予对金融账户的访问。

公开(公告)号：US20090063339A1

公开(公告)日：2009-03-05

申请号：US11850579

申请日：2007-09-05

Applicant: Melissa M. Santora

Inventor： Melissa M. Santora

IPC: G06Q40/00

CPC classification number: G06Q20/28 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/349 ,  G06Q20/363 ,  G07F19/20 ,  G07F19/204

Abstract: Money is loaded onto prepaid debit cards at ATMs (without the use of clerk-assisted POS terminals). The network for processing transactions includes a debit/credit network with a ATM Load BIN table, which includes transaction permitted (TP) data associated with each bank identification number (BIN) appearing in the card number of the prepaid cards. If a load transaction is requested, the transaction is permitted and passed by the debit/credit network to the card issuer only if the TP data reflects that such a transaction is permitted.

Abstract translation: 钱在ATM上的预付借记卡上（不使用店员辅助POS终端）。 用于处理交易的网络包括具有ATM负载BIN表的借记/信用网络，其包括与预付卡的卡号中出现的每个银行标识号（BIN）相关联的交易许可（TP）数据。 如果要求负载交易，只有当TP数据反映出这样的交易被允许时，该交易被借记/信用网络允许并被传送给发卡机构。

公开(公告)号：US07500272B2

公开(公告)日：2009-03-03

申请号：US09923213

申请日：2001-08-06

Applicant: Lynn Henry Wheeler ,  Anne M. Wheeler

Inventor： Lynn Henry Wheeler ,  Anne M. Wheeler

IPC: G08B29/00 ,  G06F15/16 ,  H04L9/00

CPC classification number: H04L63/0428 ,  G06F21/32 ,  G06F2221/2113 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/0855 ,  G06Q20/12 ,  G06Q20/341 ,  G06Q20/3558 ,  G06Q20/3674 ,  G06Q20/3676 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/3823 ,  G06Q20/3825 ,  G06Q20/3829 ,  G06Q20/385 ,  G06Q20/388 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/403 ,  G06Q20/40975 ,  G06Q50/188 ,  G07F7/0886 ,  G07F7/1008 ,  G07F7/1016 ,  H04L9/321 ,  H04L9/3247 ,  H04L63/0442 ,  H04L63/062 ,  H04L63/0823 ,  H04L63/083 ,  H04L63/12 ,  H04L2209/42 ,  H04L2209/56

Abstract: A method of manufacturing devices that generate digital signatures such that each device may be reliably and uniquely identified includes creating a public-private key pair within each device during manufacture; exporting only the public key from the device; retaining the private key within the device against the possibility of divulgement thereof by the device; and securely linking said exported public key with other information within the environment of the manufacture of the device, whereby each device is securely bound with its respective public key. A database of PuK-linked account information of users is maintained. The PuK-linked account information for each user includes a public key of such a device; information securely linked with the public key during manufacture; and third-party account identifiers, each of which identifies an account to a third-party of the user maintained with the third-party that has been associated with the user's public key by the third-party.

公开(公告)号：US20090048916A1

公开(公告)日：2009-02-19

申请号：US11838700

申请日：2007-08-14

Applicant: Todd Nuzum ,  Brian Friedman ,  Virginia G. Sayor

Inventor： Todd Nuzum ,  Brian Friedman ,  Virginia G. Sayor

IPC: G06Q30/00

CPC classification number: G06Q30/0233 ,  G06Q20/06 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/32 ,  G06Q20/3278 ,  G06Q30/0212 ,  G06Q30/06

Abstract: A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.

Abstract translation: 交易是在商户位置使用维持在客户的忠诚点账户中的兑换忠诚积分进行的。 交易在POS终端使用移动设备进行。 响应于从移动设备接收到客户ID，忠诚度服务器提供忠诚度积分的货币价值。 客户可以使用移动设备赎回这些积分并将该值转入金融账户。 连接到POS终端的支付处理系统使用财务帐户完成交易。

公开(公告)号：US07487912B2

公开(公告)日：2009-02-10

申请号：US11238813

申请日：2005-09-28

Applicant: Dean Seifert ,  Tim Keane

Inventor： Dean Seifert ,  Tim Keane

IPC: G06K5/00

CPC classification number: G07G1/14 ,  G06Q20/0453 ,  G06Q20/10 ,  G06Q20/20 ,  G07G1/12 ,  G07G5/00

Abstract: Certain embodiments of the present invention provide systems and methods for receipting transactions transacted at a POS device. More specifically, but not by of limitation, embodiments of the present invention provide methods and systems for electronically receipting POS transactions and, in some embodiments, of providing the electronic receipts to a destination selected by a party to the POS transaction.

Abstract translation: 本发明的某些实施例提供了用于接收在POS设备处理的事务的系统和方法。 更具体地但非限制性的，本发明的实施例提供了用于电子地接收POS交易的方法和系统，并且在一些实施例中，将电子收据提供给由POS交易的一方选择的目的地。

公开(公告)号：US20090037284A1

公开(公告)日：2009-02-05

申请号：US11831743

申请日：2007-07-31

Applicant: William E. Lewis ,  Tara Kravit ,  Kevin A. McNish ,  Susan Young

Inventor： William E. Lewis ,  Tara Kravit ,  Kevin A. McNish ,  Susan Young

IPC: G06Q20/00

CPC classification number: G06Q20/3278 ,  G06Q20/20 ,  G06Q20/202

Abstract: A point of sale system comprises a microprocessor system, a peripheral interface, and a communication interface. The point of sale system is configured to receive, through the communication interface, an update to peripheral operation software associated with a peripheral device that may be connected to the peripheral interface. The peripheral device may be a contactless reader. The updated software may be received from a terminal management system connected to the point of sale device through the communication interface. The updated software may comprise a peripheral driver that is stored in memory comprised in the point of sale device. The updated software may comprise peripheral firmware that is stored in memory comprised in the peripheral device.

Abstract translation: 销售点系统包括微处理器系统，外围接口和通信接口。 销售点系统被配置为通过通信接口来接收与可以连接到外围接口的外围设备相关联的外围设备操作软件的更新。 外围设备可以是非接触读取器。 可以通过通信接口从连接到销售点设备的终端管理系统接收更新的软件。 更新的软件可以包括存储在销售点设备中的存储器中的外围驱动器。 更新的软件可以包括存储在外围设备中的存储器中的外围固件。

公开(公告)号：US20090036103A1

公开(公告)日：2009-02-05

申请号：US11830336

申请日：2007-07-30

Applicant: Douglas Byerley ,  John Cawthorne ,  Sunil Dewan ,  Daniel Skowronek ,  Steven E. Arthur ,  Christopher L. Toomer

Inventor： Douglas Byerley ,  John Cawthorne ,  Sunil Dewan ,  Daniel Skowronek ,  Steven E. Arthur ,  Christopher L. Toomer

IPC: H04M3/42

CPC classification number: G06Q20/32 ,  G06Q20/3223 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0239 ,  G06Q30/0241 ,  G06Q30/0601 ,  G07F17/42

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.

Abstract translation: 公开了方法，系统和机器可读介质，以利用移动电子设备来兑换和报告各种营销优惠（例如优惠券）的使用。 根据一个实施例，兑换和报告营销报价可以包括将与营销报价相关的信息从移动设备的移动钱包传送到目标设备。 可以从目标设​​备在移动设备的移动钱包处接收兑换消息。 兑换信息可以表示接受营销报价。 救援消息的至少一部分可以从移动设备的移动钱包发送到向移动设备提供通信服务的服务提供商系统。 可以通过诸如蜂窝网络的无线通信网络将从移动设备的移动钱包发送的兑换消息发送到服务提供商系统。