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    Systems and methods for facilitating the approval and use of a credit account via mobile commerce
    2.
    发明授权
    Systems and methods for facilitating the approval and use of a credit account via mobile commerce 有权
    通过移动商务促进信用账户审批和使用的系统和方法

    公开(公告)号：US09047617B2

    公开(公告)日：2015-06-02

    申请号：US14024402

    申请日：2013-09-11

    Applicant: FIRST DATA CORPORATION

    Inventor： J. Scott Sanchez ,  Dominic John Morea

    IPC: G06K5/00 ,  G06Q30/02 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q30/06 ,  G06Q20/10 ,  G06Q20/02 ,  G06Q20/20 ,  H04L29/06 ,  G06Q20/24 ,  G06Q20/42

    CPC classification number: G06Q20/3223 ,  B60S3/00 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/204 ,  G06Q20/24 ,  G06Q20/3224 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q20/42 ,  G06Q30/0222 ,  G06Q30/0233 ,  G06Q30/0267 ,  G06Q30/0625 ,  G06Q30/0633 ,  G06Q40/025 ,  H04L63/083

    Abstract: A consumer can receive a new credit application at their mobile device. The consumer can complete and electronically transmit the credit application via a mobile application on their mobile device. A transaction processing system can receive the credit application and electronically pass it along to the financial institution issuing the credit for a determination on the credit application. An approval or denial can be electronically received by the transaction processing system from the financial institution. If approved, the transaction processing system can forward the approval along with the new credit account information and a code or other device to allow the consumer to immediately use the new credit account. The mobile device can receive the approval via the mobile application as well as any coupons associated with the new account and can provide the consumer with a mechanism to immediately purchase items with the newly approved credit account.

    Abstract translation: 消费者可以在其移动设备上接收新的信用申请。 消费者可以通过其移动设备上的移动应用程序完成并电子传输信用申请。 交易处理系统可以接收信用申请，并将其电子传递给发行信用证的金融机构，以确定信用申请。 交易处理系统可以从金融机构以电子方式收到批准或拒绝。 如果批准，交易处理系统可以转发批准以及新的信用账户信息和代码或其他设备，以允许消费者立即使用新的信用账户。 移动设备可以通过移动应用以及与新帐户相关联的任何优惠券来接收批准，并且可以向消费者提供一种立即使用新批准的信用账户购买商品的机制。

    Systems and Methods for Facilitating Payments Via a Peer-to-Peer Protocol
    3.
    发明申请
    Systems and Methods for Facilitating Payments Via a Peer-to-Peer Protocol 有权
    通过对等协议促进付款的系统和方法

    公开(公告)号：US20130254052A1

    公开(公告)日：2013-09-26

    申请号：US13801591

    申请日：2013-03-13

    Applicant: FIRST DATA CORPORATION

    Inventor： Vijay Kumar Royyuru ,  Dominic John Morea ,  Peter Allen Donat

    IPC: G06Q20/22

    CPC classification number: G06Q20/223 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/3278 ,  G06Q40/00

    Abstract: This disclosure describes systems and methods related to facilitating payments via a peer-to-peer protocol. Tokenized information associated with a payment transaction may be obtained. Establishment of a peer-to-peer communications session with a payment recipient device may be facilitated. The tokenized information to the recipient device via the established peer-to-peer communications session may be communicated in order to facilitate completion of the payment transaction.

    Abstract translation: 本公开描述了通过对等协议促进支付的系统和方法。 可以获得与支付交易相关联的令牌化信息。 可以方便地建立与支付接收装置的对等通信会话。 可以通过建立的对等通信会话向接收方设备发送标记信息，以便于完成支付交易。

    Systems and Methods for Facilitating Point of Sale Transactions
    4.
    发明申请
    Systems and Methods for Facilitating Point of Sale Transactions 审中-公开
    促进销售交易点的制度和方法

    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。

    SYSTEMS AND METHODS FOR FACILITATING THE APPROVAL AND USE OF A CREDIT ACCOUNT VIA MOBILE COMMERCE
    5.
    发明申请
    SYSTEMS AND METHODS FOR FACILITATING THE APPROVAL AND USE OF A CREDIT ACCOUNT VIA MOBILE COMMERCE 有权
    促进通过移动商业认可和使用信用账户的系统和方法

    公开(公告)号：US20150242839A1

    公开(公告)日：2015-08-27

    申请号：US14708979

    申请日：2015-05-11

    Applicant: FIRST DATA CORPORATION

    Inventor： J. Scott Sanchez ,  Dominic John Morea

    IPC: G06Q20/32 ,  G06Q20/24

    CPC classification number: G06Q20/3223 ,  B60S3/00 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/204 ,  G06Q20/24 ,  G06Q20/3224 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q20/42 ,  G06Q30/0222 ,  G06Q30/0233 ,  G06Q30/0267 ,  G06Q30/0625 ,  G06Q30/0633 ,  G06Q40/025 ,  H04L63/083

    Abstract: A consumer can receive a new credit application at their mobile device. The consumer can complete and electronically transmit the credit application via a mobile application on their mobile device. A transaction processing system can receive the credit application and electronically pass it along to the financial institution issuing the credit for a determination on the credit application. An approval or denial can be electronically received by the transaction processing system from the financial institution. If approved, the transaction processing system can forward the approval along with the new credit account information and a code or other device to allow the consumer to immediately use the new credit account. The mobile device can receive the approval via the mobile application as well as any coupons associated with the new account and can provide the consumer with a mechanism to immediately purchase items with the newly approved credit account.

    Abstract translation: 消费者可以在其移动设备上接收新的信用申请。 消费者可以通过其移动设备上的移动应用程序完成并电子传输信用申请。 交易处理系统可以接收信用申请，并将其电子传递给发行信用证的金融机构，以确定信用申请。 交易处理系统可以从金融机构以电子方式收到批准或拒绝。 如果批准，交易处理系统可以转发批准以及新的信用账户信息和代码或其他设备，以允许消费者立即使用新的信用账户。 移动设备可以通过移动应用以及与新帐户相关联的任何优惠券来接收批准，并且可以向消费者提供一种立即使用新批准的信用账户购买商品的机制。

    SYSTEMS AND METHODS FOR FACILITATING THE APPROVAL AND USE OF A CREDIT ACCOUNT VIA MOBILE COMMERCE
    6.
    发明申请
    SYSTEMS AND METHODS FOR FACILITATING THE APPROVAL AND USE OF A CREDIT ACCOUNT VIA MOBILE COMMERCE 有权
    促进通过移动商业认可和使用信用账户的系统和方法

    公开(公告)号：US20140070001A1

    公开(公告)日：2014-03-13

    申请号：US14024402

    申请日：2013-09-11

    Applicant: FIRST DATA CORPORATION

    Inventor： J. Scott Sanchez ,  Dominic John Morea

    IPC: G06Q20/40

    CPC classification number: G06Q20/3223 ,  B60S3/00 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/204 ,  G06Q20/24 ,  G06Q20/3224 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q20/42 ,  G06Q30/0222 ,  G06Q30/0233 ,  G06Q30/0267 ,  G06Q30/0625 ,  G06Q30/0633 ,  G06Q40/025 ,  H04L63/083

    Abstract: A consumer can receive a new credit application at their mobile device. The consumer can complete and electronically transmit the credit application via a mobile application on their mobile device. A transaction processing system can receive the credit application and electronically pass it along to the financial institution issuing the credit for a determination on the credit application. An approval or denial can be electronically received by the transaction processing system from the financial institution. If approved, the transaction processing system can forward the approval along with the new credit account information and a code or other device to allow the consumer to immediately use the new credit account. The mobile device can receive the approval via the mobile application as well as any coupons associated with the new account and can provide the consumer with a mechanism to immediately purchase items with the newly approved credit account.

    Abstract translation: 消费者可以在其移动设备上接收新的信用申请。 消费者可以通过其移动设备上的移动应用程序完成并电子传输信用申请。 交易处理系统可以接收信用申请，并将其电子传递给发行信用证的金融机构，以确定信用申请。 交易处理系统可以从金融机构以电子方式收到批准或拒绝。 如果批准，交易处理系统可以转发批准以及新的信用账户信息和代码或其他设备，以允许消费者立即使用新的信用账户。 移动设备可以通过移动应用以及与新帐户相关联的任何优惠券来接收批准，并且可以向消费者提供一种立即使用新批准的信用账户购买商品的机制。

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