公开(公告)号：US08494589B2

公开(公告)日：2013-07-23

申请号：US11864231

申请日：2007-09-28

Applicant: Christopher L. Toomer ,  Steven E. Arthur

Inventor： Christopher L. Toomer ,  Steven E. Arthur

IPC: H04M19/04 ,  H04N7/15

CPC classification number: H04M1/72561 ,  H04M1/2755 ,  H04M2250/52

Abstract: A method of receiving content associated with media includes using a mobile device to acquire an image from media. The image has corresponding content. The method also includes using the mobile device to process the image to thereby produce the content and displaying at least a portion of the content on a display of the mobile device.

Abstract translation: 接收与媒体相关联的内容的方法包括使用移动设备从媒体获取图像。 图像具有相应的内容。 该方法还包括使用移动设备处理图像从而产生内容并且在移动设备的显示器上显示内容的至少一部分。

公开(公告)号：US20130179280A1

公开(公告)日：2013-07-11

申请号：US13749335

申请日：2013-01-24

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. A first card number and a total number of cards can be provided to an activation system to process the activation of the plurality of cards.

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第一卡号和总卡数以处理多个卡的激活。

公开(公告)号：US08473351B1

公开(公告)日：2013-06-25

申请号：US10387042

申请日：2003-03-11

Applicant: Cassandra Mollett ,  Alan Jay Bethscheider ,  Susan Diane Brauckman ,  David A. Walker ,  David Wayne Smith

Inventor： Cassandra Mollett ,  Alan Jay Bethscheider ,  Susan Diane Brauckman ,  David A. Walker ,  David Wayne Smith

IPC: G06Q20/00 ,  G06K5/00 ,  G06K7/01

CPC classification number: G06Q20/02 ,  G06Q20/20 ,  G06Q30/0601

Abstract: Authorization verification systems and methods are described that store a record of an authorization determination performed at a point of sale or other point of control. The system receives authorization information for an individual indicative of the individual's authorization to purchase a product or service, to enter a location, to attend an event, or to otherwise participate in an encounter whose access is limited to authorized individuals. In one embodiment, the authorization verification system receives information relating to the individual's age via an electronic scanning of a driver's license or other identification card, or by other methods, and uses the birth date information to calculate the customer's current age. The current age can be displayed on an existing display of a point-of-sale device or other display. A record of the authorization can be stored as part of a transaction record that can subsequently be retrieved to verify that an authorization determination for the encounter was carried out.

Abstract translation: 描述了授权验证系统和方法，其存储在销售点或其他控制点执行的授权确定的记录。 该系统接收指示个人购买产品或服务的授权的个人的授权信息，进入某一地点，参加某个活动或以其他方式参与其访问被限制在授权个人的遭遇。 在一个实施例中，授权验证系统通过电子扫描驾驶执照或其他身份证件或其他方法接收与个人年龄有关的信息，并使用出生日期信息来计算客户的当前年龄。 当前时代可以显示在销售点设备或其他显示器的现有显示器上。 授权记录可以作为交易记录的一部分存储，随后可以被检索以验证是否进行了遭遇的授权确定。

公开(公告)号：US20130144700A1

公开(公告)日：2013-06-06

申请号：US13690810

申请日：2012-11-30

Applicant: First Data Corporation

Inventor： Theodore VanDeburg ,  Dania J. Ruiz-Paramo ,  Catherine C. Marasigan ,  Kevin Knowles

IPC: G06Q30/02

CPC classification number: G06Q30/0225

Abstract: Methods, systems, computer executable instructions, and devices for processing promotions and prepaid accounts are provided. In one exemplary embodiment, a method includes providing a unique identifier associated with a promotion to a customer and associating the unique identifier with a promotion code in a database. The method also includes the step of receiving the unique identifier from a merchant, where the customer provided the unique identifier to the merchant in order to redeem the promotion in a transaction. Finally, the method includes retrieving the promotion code from the database based on the received unique identifier, and transmitting the promotion code for delivery to the merchant.

Abstract translation: 提供了方法，系统，计算机可执行指令以及处理促销和预付账户的设备。 在一个示例性实施例中，一种方法包括向客户提供与促销相关联的唯一标识符，并将唯一标识符与数据库中的促销代码相关联。 该方法还包括从商家接收唯一标识符的步骤，其中客户向商家提供唯一标识符，以便在交易中兑换促销。 最后，该方法包括基于接收到的唯一标识符从数据库中检索促销代码，以及传送促销代码以便传送给商家。

公开(公告)号：US20130097034A1

公开(公告)日：2013-04-18

申请号：US13650671

申请日：2012-10-12

Applicant: FIRST DATA CORPORATION

Inventor： Vijay Kumar Royyuru ,  Dominic John Morea

IPC: G06K19/06 ,  G06Q20/20

CPC classification number: G06Q20/36 ,  G06Q20/204 ,  G06Q20/3274

Abstract: In yet another embodiment, a computer-implemented method can be provided. The method can include storing, in at least one memory associated with a mobile device, payment information. The method can further include generating, utilizing the payment information, a displayable image. Furthermore, the method can include directing output of the image by a display associated with the mobile device, wherein the image is scanned by a reader device at a point of sale in order to complete a point of sale transaction.

Abstract translation: 在另一个实施例中，可以提供计算机实现的方法。 该方法可以包括在与移动设备相关联的至少一个存储器中存储支付信息。 该方法还可以包括生成利用支付信息的可显示图像。 此外，该方法可以包括通过与移动设备相关联的显示器来引导图像的输出，其中在销售点由读取器设备扫描图像，以便完成销售点交易。

公开(公告)号：US20130097031A1

公开(公告)日：2013-04-18

申请号：US13650659

申请日：2012-10-12

Applicant: First Data Corporation

Inventor： Vijay Kumar Royyuru ,  Peter Allen Donat

IPC: G06Q20/20 ,  G06Q20/32

CPC classification number: G06Q20/20 ,  G06Q20/327 ,  G06Q20/3276 ,  G06Q20/3278

Abstract: Systems and methods for facilitating point of sale transactions. In one embodiment, a computer-implemented method can be provided. The method can include collecting, by a mobile device at a merchant point of sale, merchant contextual information associated with a merchant station at a merchant location. The method can also include identifying payment information stored on the mobile device. Further, the method can also include providing the merchant contextual information and the payment information to a merchant device in order to complete a point of sale transaction.

Abstract translation: 促进销售点交易的系统和方法。 在一个实施例中，可以提供计算机实现的方法。 该方法可以包括通过商业销售点处的移动设备收集与商户位置处的商家站相关联的商业上下文信息。 该方法还可以包括识别存储在移动设备上的支付信息。 此外，该方法还可以包括向商家设备提供商家上下文信息和支付信息以便完成销售点交易。

公开(公告)号：US20130080329A1

公开(公告)日：2013-03-28

申请号：US13627670

申请日：2012-09-26

Applicant: FIRST DATA CORPORATION

Inventor： Vijay Kumar Royyuru ,  Todd Nuzum

IPC: G06Q20/40

CPC classification number: G06Q20/3278 ,  G06Q20/405 ,  G06Q30/00 ,  G06Q40/02

Abstract: Embodiments of the disclosure can include systems and methods for facilitating card present transactions. In one embodiment, a computer-implemented method for conducting card present transactions can be provided. The method can include receiving, by a merchant system comprising one or more computers, a request for a card present electronic commerce transaction on behalf of a consumer; determining, by the merchant system, an identifier of a mobile device of the consumer; obtaining, by the merchant system from the mobile device, validation information associated with a payment application stored on the mobile device; and outputting, by the merchant system for communication to an issuer system, a proposed card present transaction and the validation information.

Abstract translation: 本公开的实施例可以包括用于促进卡片交易的系统和方法。 在一个实施例中，可以提供用于进行卡片交易的计算机实现的方法。 该方法可以包括由代表消费者的包括一个或多个计算机的商家系统接收对存在电子商务交易的卡的请求; 由商家系统确定消费者的移动设备的标识符; 由所述商家系统从所述移动设备获取与存储在所述移动设备上的支付应用相关联的验证信息; 以及由所述商家系统向发行者系统输出所提出的卡片呈现交易和所述确认信息。

公开(公告)号：US20130080236A1

公开(公告)日：2013-03-28

申请号：US13627678

申请日：2012-09-26

Applicant: FIRST DATA CORPORATION

Inventor： Vijay Kumar Royyuru ,  Todd Nuzum

IPC: G06Q30/02

CPC classification number: G06Q20/3278 ,  G06Q20/405 ,  G06Q30/00 ,  G06Q40/02

Abstract: Embodiments of the disclosure can relate to systems and methods for enrolling consumers in loyalty programs. Certain embodiments of the disclosure can relate to automatic enrollment of consumers in loyalty programs. In one embodiment, a computer-implemented method for enrolling a consumer in a loyalty program can be provided. The method can include establishing, by a merchant device, communication with a consumer device; determining, by the merchant device, that loyalty information is not stored on the consumer device; and providing, by the merchant device to the consumer device, loyalty information.

Abstract translation: 本公开的实施例可以涉及用于在消费者中注册忠诚度计划的系统和方法。 本公开的某些实施例可以涉及消费者在忠诚度计划中的自动注册。 在一个实施例中，可以提供用于将消费者注册在忠诚度程序中的计算机实现的方法。 该方法可以包括由商家设备建立与消费者设备的通信; 由所述商家设备确定所述忠诚度信息不被存储在所述消费者设备上; 以及由所述商家装置向所述消费者装置提供忠诚度信息。

公开(公告)号：US08374962B2

公开(公告)日：2013-02-12

申请号：US10336149

申请日：2003-01-02

Applicant: Henry M. Abelman ,  Kenneth Algiene ,  Peter M. Karas

Inventor： Henry M. Abelman ,  Kenneth Algiene ,  Peter M. Karas

IPC: G06Q40/00

CPC classification number: G06Q20/04 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/102

Abstract: According to the invention, a method for automatically processing an incoming payment for a payee with an online money transfer system. In one step, information is received at the online money transfer system. That information relates to processing of one or more received payments associated with the payee. At some point, the incoming payment associated with the payee is received. A default repository for the incoming payment is determined. It is determined whether to transfer at least some of the incoming payment away from the default repository or escrow at least a portion of the incoming payment for benefit of at least one predetermined party. Either the earmark or the escrow is applied after this determination.

公开(公告)号：US08364587B2

公开(公告)日：2013-01-29

申请号：US12361309

申请日：2009-01-28

Applicant: Todd R Nuzum ,  Barbara C Gaines ,  Brent D Adkisson ,  Vijay K Royyuru

Inventor： Todd R Nuzum ,  Barbara C Gaines ,  Brent D Adkisson ,  Vijay K Royyuru

IPC: G06Q40/00

CPC classification number: G06Q20/10 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q40/00 ,  G06Q40/02

Abstract: Systems and methods for providing secure access of at least one of multiple financial account processors to a mobile device and/or facilitating secure financial transactions initiated from a mobile device via a gateway. One method can include receiving a mobile personal identification number (M-PIN) number and Customer Unique Identifier (CUID) from a mobile device and processing the received M-PIN and CUID to identify a Mobile Unique Identifier (MUID). The MUID identifies an account of at least one financial account processor accessible via a gateway, and the mobile device is provided access to the account through the gateway.

Abstract translation: 用于向移动设备提供多个金融账户处理器中的至少一个的安全访问和/或促进经由网关从移动设备发起的安全金融交易的系统和方法。 一种方法可以包括从移动设备接收移动个人识别号码（M-PIN）号码和客户唯一标识符（CUID），并处理接收的M-PIN和CUID以识别移动唯一标识符（MUID）。 MUID识别经由网关可访问的至少一个金融帐户处理器的帐户，并且移动设备被提供通过网关对帐户的访问。