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公开(公告)号：US12093911B2
公开(公告)日：2024-09-17
申请号：US16829592
申请日：2020-03-25
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
CPC classification number: G06Q20/20 , G06Q20/227 , G06Q20/322 , G06Q20/3255 , G06Q20/326 , G06Q20/3278 , G06Q30/02 , G07F17/16
Abstract: A computer-implemented method of conducting wireless transaction includes receiving, using an antenna of a point of sale device, one or more electromagnetic signals from a mobile device of a customer. The electromagnetic signals are interpreted using a communications module of the point of sale device to determine information related to a financial account of the customer. Using a network interface of the point of sale device, a connection with an acquirer system is initiated. Using the network interface a packet of data including an authorization request is transmitted over the connection to the acquirer system. The packet of data includes the information related to the financial account, a merchant identifier, a date, and a transaction amount. An authorization code is received from the acquirer system using the network interface. An electronic receipt is transmitted to the mobile device using the network interface.
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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。
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公开(公告)号：US20190087806A1
公开(公告)日：2019-03-21
申请号：US16136016
申请日：2018-09-19
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
IPC: G06Q20/32
Abstract: Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.
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公开(公告)号：US20190188677A1
公开(公告)日：2019-06-20
申请号：US16284685
申请日：2019-02-25
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
IPC: G06Q20/32
CPC classification number: G06Q20/322 , G06Q20/32
Abstract: Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.
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公开(公告)号：US20190188607A1
公开(公告)日：2019-06-20
申请号：US16283439
申请日：2019-02-22
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
CPC classification number: G06Q10/00 , G06Q20/105 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/3278 , G06Q20/363 , H04L63/10 , H04W12/08
Abstract: Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.
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Patent Agency Ranking
公开(公告)号：US20180268392A1
公开(公告)日：2018-09-20
申请号：US15920089
申请日：2018-03-13
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
CPC classification number: G06Q20/20 , G06Q20/227 , G06Q20/32 , G06Q20/322 , G06Q20/3255 , G06Q20/3278 , G06Q30/02 , G07F17/16
Abstract: Methods, systems, and machine-readable media are disclosed for providing marketing messages to a mobile device. According to one embodiment, a method of providing one or more marketing messages to a mobile device in a mobile commerce system can comprise receiving at a mobile wallet server a set of information from an acquirer system. The set of information can identify one or more marketing offers. One or more marketing messages can be generated by the mobile wallet server based on the set of information identifying the one or more marketing offers. For example, the marketing messages can comprise Short Message Service (SMS) messages, email messages, or other types of messages. Each of the one or more marketing messages can be sent from the mobile wallet server to one or more mobile devices.
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公开(公告)号：US11694180B2
公开(公告)日：2023-07-04
申请号：US16136016
申请日：2018-09-19
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
CPC classification number: G06Q20/322 , G06Q20/3265
Abstract: Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.
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公开(公告)号：US20200226568A1
公开(公告)日：2020-07-16
申请号：US16829592
申请日：2020-03-25
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
Abstract: A computer-implemented method of conducting wireless transaction includes receiving, using an antenna of a point of sale device, one or more electromagnetic signals from a mobile device of a customer. The electromagnetic signals are interpreted using a communications module of the point of sale device to determine information related to a financial account of the customer. Using a network interface of the point of sale device, a connection with an acquirer system is initiated. Using the network interface a packet of data including an authorization request is transmitted over the connection to the acquirer system. The packet of data includes the information related to the financial account, a merchant identifier, a date, and a transaction amount. An authorization code is received from the acquirer system using the network interface. An electronic receipt is transmitted to the mobile device using the network interface.
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公开(公告)号：US20190188678A1
公开(公告)日：2019-06-20
申请号：US16284736
申请日：2019-02-25
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
IPC: G06Q20/32
CPC classification number: G06Q20/322 , G06Q20/32
Abstract: Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.
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公开(公告)号：US10242326B2
公开(公告)日：2019-03-26
申请号：US14052397
申请日：2013-10-11
Applicant: First Data Corporation
Inventor： Steven E. Arthur , Christopher L. Toomer , Sarah Owen , Theodore VanDeburg
Abstract: Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.
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