Real-time mobile wallet server
    1.
    发明授权

    公开(公告)号:US10235669B2

    公开(公告)日:2019-03-19

    申请号:US14275660

    申请日:2014-05-12

    Abstract: Techniques and apparatuses for providing wallet server information to an entity using a real-time mobile wallet server (MWS) are disclosed herein. The MWS may receive a request for personal information from an entity. The MWS may then display to a user a summary of the request, a list of selections available in the wallet server that may satisfy the request, and a list of selectable response options for the user to choose to respond to the entity. In some aspects, the wallet server may store username and associated passwords, payment information, and/or contact information. In further aspects, the MWS may generate limited-use payment information associated with existing payment information. The MWS may communicate ad hoc messaging to the entity using voice-based or real-time text-based communications over an established communication link between the MWS and entity.

    System and method for message-based purchasing

    公开(公告)号:US10198764B2

    公开(公告)日:2019-02-05

    申请号:US14020700

    申请日:2013-09-06

    Abstract: Various embodiments of a system and method for message-based purchasing are described. The system and method for message-based purchasing may include a message-based purchase service configured to determine that a selection has been performed through a network-based interface. Such selection may be indicative of one or more items offered for sale via the network-based interface. The message-based purchase service may be configured to, in response to the selection of one or more items, send to a communication device, a message indicating a code corresponding to the selection. The message-based purchase service may receive from the communication device through a communication channel that does not include the network-based interface, a message including the code. The message-based purchase service may be configured to, in response to determining that the message received from the communication device includes the code, generate a purchase request for the one or more previously selected items.

    Real-time mobile wallet server
    3.
    发明授权
    Real-time mobile wallet server 有权
    实时手机钱包服务器

    公开(公告)号:US08744966B1

    公开(公告)日:2014-06-03

    申请号:US13829070

    申请日:2013-03-14

    CPC classification number: G06Q20/363 G06Q20/32 G06Q20/36 G06Q20/385

    Abstract: Techniques and apparatuses for providing wallet server information to an entity using a real-time mobile wallet server (MWS) are disclosed herein. The MWS may receive a request for personal information from an entity. The MWS may then display to a user a summary of the request, a list of selections available in the wallet server that may satisfy the request, and a list of selectable response options for the user to choose to respond to the entity. In some aspects, the wallet server may store username and associated passwords, payment information, and/or contact information. In further aspects, the MWS may generate limited-use payment information associated with existing payment information. The MWS may communicate ad hoc messaging to the entity using voice-based or real-time text-based communications over an established communication link between the MWS and entity.

    Abstract translation: 本文公开了使用实时移动钱包服务器(MWS)向实体提供钱包服务器信息的技术和设备。 MWS可以从实体接收对个人信息的请求。 然后,MWS可以向用户显示请求的摘要,可以满足该请求的钱包服务器中可用的选择的列表以及用户选择响应于该实体的可选择的响应选项的列表。 在一些方面,钱包服务器可以存储用户名和相关密码,支付信息和/或联系信息。 在另外的方面,MWS可以产生与现有支付信息相关联的有限使用的支付信息。 MWS可以通过MWS和实体之间建立的通信链路,使用基于语音或实时基于文本的通信将实时消息传送到实体。

    Transaction authorization service

    公开(公告)号:US10171961B1

    公开(公告)日:2019-01-01

    申请号:US13804416

    申请日:2013-03-14

    Abstract: System and method for authorizing transactions, such as payments or money transfers. A source entity may initiate a transaction with a target entity via a first communications channel. In initiating the transaction, the source entity may indicate that the transaction is to be performed through a transaction authorization service. The target entity may send a transaction initiation message to the transaction authorization service. In response to receiving the transaction initiation message, the service may authorize the transaction with the source entity via a second communications channel. To authorize the transaction, the source entity may provide a PIN number or other identifier via the second communications channel. After receiving and validating the response from the source entity, the transaction authorization service may inform the target entity that the transaction is authorized. The target entity may then complete the transaction with the transaction authorization service and the source entity.

    REAL-TIME MOBILE WALLET SERVER
    5.
    发明申请
    REAL-TIME MOBILE WALLET SERVER 审中-公开
    实时移动电子钱包服务器

    公开(公告)号:US20140250005A1

    公开(公告)日:2014-09-04

    申请号:US14275660

    申请日:2014-05-12

    CPC classification number: G06Q20/363 G06Q20/32 G06Q20/36 G06Q20/385

    Abstract: Techniques and apparatuses for providing wallet server information to an entity using a real-time mobile wallet server (MWS) are disclosed herein. The MWS may receive a request for personal information from an entity. The MWS may then display to a user a summary of the request, a list of selections available in the wallet server that may satisfy the request, and a list of selectable response options for the user to choose to respond to the entity. In some aspects, the wallet server may store username and associated passwords, payment information, and/or contact information. In further aspects, the MWS may generate limited-use payment information associated with existing payment information. The MWS may communicate ad hoc messaging to the entity using voice-based or real-time text-based communications over an established communication link between the MWS and entity.

    Abstract translation: 本文公开了使用实时移动钱包服务器(MWS)向实体提供钱包服务器信息的技术和设备。 MWS可以从实体接收对个人信息的请求。 然后,MWS可以向用户显示请求的摘要,可以满足该请求的钱包服务器中可用的选择的列表以及用户选择响应于该实体的可选择的响应选项的列表。 在一些方面,钱包服务器可以存储用户名和相关密码,支付信息和/或联系信息。 在另外的方面,MWS可以产生与现有支付信息相关联的有限使用的支付信息。 MWS可以通过MWS和实体之间建立的通信链路,使用基于语音或实时基于文本的通信将实时消息传送到实体。

    System and method for personalized commands
    6.
    发明授权
    System and method for personalized commands 有权
    个性化命令的系统和方法

    公开(公告)号:US09292839B2

    公开(公告)日:2016-03-22

    申请号:US14281533

    申请日:2014-05-19

    CPC classification number: G06Q20/10 G06F9/451 G06Q40/12

    Abstract: Various embodiments of a system and method for personalized commands are described. The system and method for personalized commands may include a payment service including a command management component. Such payment service may be responsive to one or more base commands. The command management component may be configured to generate a user interface for specifying personalized commands that correspond to the base commands. The command management component may be configured to generate mapping information from the information received via the user interface. The command management component may be configured to receive one or more messages that may include commands for the payment service, including personalized commands. From the personalized commands, the command management component may be configured to determine a corresponding base commands (e.g., based on the mapping information). Once the base command is determined, the payment service may perform the base command.

    Abstract translation: 描述用于个性化命令的系统和方法的各种实施例。 用于个性化命令的系统和方法可以包括包括命令管理组件的支付服务。 这种支付服务可以响应于一个或多个基本命令。 命令管理组件可以被配置为生成用于指定与基本命令相对应的个性化命令的用户界面。 命令管理组件可以被配置为从经由用户界面接收的信息生成映射信息。 命令管理组件可以被配置为接收可包括用于支付服务的命令的一个或多个消息,包括个性化命令。 根据个性化命令,命令管理组件可以被配置为确定相应的基本命令(例如,基于映射信息)。 一旦确定了基本命令,支付服务就可以执行基本命令。

    Anonymous mobile payments
    7.
    发明授权
    Anonymous mobile payments 有权
    匿名手机付款

    公开(公告)号:US08977568B1

    公开(公告)日:2015-03-10

    申请号:US13801706

    申请日:2013-03-13

    CPC classification number: G06Q20/383 G06Q20/10 G06Q20/385 G06Q20/387

    Abstract: Anonymous mobile payments enable a user to make and/or receive payments without disclosing personal or private information to another party. In some aspects, a provider of a payment may request an anonymous payment for a specified value from a host. In response, the host may transmit to the provider a code that is available for redemption. The provider may then relay the code to a recipient, who may redeem the code from the host. In other aspects, a recipient may request a temporary identifier (special code) from a host. The recipient may relay the temporary identifier to a provider, who may in turn transmit a payment, via the host, using the temporary identifier. The recipient may then claim the payment from the host. In additional aspects, the codes of the anonymous payments may include expiration times and/or restrictions on a number of uses of the code.

    Abstract translation: 匿名移动支付使用户能够在不向另一方披露个人或私人信息的情况下进行和/或接收付款。 在某些方面,付款提供商可以向主机请求指定值的匿名支付。 作为回应,主机可以向提供者发送可用于兑换的代码。 然后,提供商可以将代码中继到可以从主机兑换代码的接收者。 在其他方面,接收者可以从主机请求临时标识符(特殊代码)。 收件人可以将临时标识符转发给提供者,提供商可以通过主机使用临时标识符来进行支付。 收件人然后可以从主机索取付款。 在另外的方面,匿名支付的代码可以包括对代码的使用次数的到期时间和/或限制。

    System and method for receiving requests for tasks from unregistered devices
    8.
    发明授权
    System and method for receiving requests for tasks from unregistered devices 有权
    从未注册设备接收任务请求的系统和方法

    公开(公告)号:US08973120B2

    公开(公告)日:2015-03-03

    申请号:US14095570

    申请日:2013-12-03

    CPC classification number: H04L63/08 G06Q20/40 H04L63/083 H04W12/06 H04W60/00

    Abstract: Embodiments of a system and method for receiving task requests from unregistered devices are described. Embodiments may include a communication interface service configured to receive from a communication device a message indicative of a request to perform a task. The communication interface service may determine that the communication device is not registered with an existing account that provides information for performing said task. The communication interface service may obtain identification and authentication information for an existing account via a communication channel. The existing account may be an account for that is accessible via a network-based interface. The communication channel through which the identification and authentication information is received by the communication interface service may be any communication channel that does not include the network-based interface of the existing account. Additionally, the communication interface service may use the identification and authentication information for performance of the task using the existing account.

    Abstract translation: 描述用于从未注册的设备接收任务请求的系统和方法的实施例。 实施例可以包括通信接口服务,其被配置为从通信设备接收指示执行任务的请求的消息。 通信接口服务可以确定通信设备没有向提供用于执行所述任务的信息的现有帐户注册。 通信接口服务可以通过通信信道获得现有帐户的识别和认证信息。 现有帐户可以是可通过基于网络的界面访问的帐户。 由通信接口服务接收到识别和认证信息的通信信道可以是不包括现有帐户的基于网络的接口的任何通信信道。 此外,通信接口服务可以使用识别和认证信息来使用现有帐户执行任务。

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