Patent application number | Description | Published |
20090048916 | MOBILE SYSTEM AND METHOD FOR EXCHANGING POINT VALUE - 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. | 02-19-2009 |
20130080219 | Systems and Methods for Providing Value Added Services in Association with Payment Transactions - Embodiments of the disclosure can relate to systems and methods for providing value added services in association with the processing of payment transactions. Certain embodiments of the disclosure can relate to provision of value added services in association with the processing of payment transactions. In one embodiment, a computer-implemented method for processing proposed transactions can be provided. The method can include receiving, from a merchant device by a service provider system comprising one or more computers, information associated with a purchase transaction; identifying, by the service provider system, one or more value added services applicable to the purchase transaction; and implementing, by the service provider system, the one or more applicable value added services. | 03-28-2013 |
20130080236 | Systems and Methods for Enrolling Consumers in Loyalty Programs - 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. | 03-28-2013 |
20130080329 | Systems and Methods for Facilitating Card Present Transactions - 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. | 03-28-2013 |
20150046245 | MOBILE SYSTEM AND METHOD FOR EXCHANGING POINT VALUE - 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. | 02-12-2015 |
Patent application number | Description | Published |
20100048226 | MANAGING MOBILE MARKETING OFFERS - Methods, systems, and machine-readable media are disclosed for managing marketing offers sent to a mobile device. According to one embodiment, a method for managing marketing offers sent to a mobile device can comprise receiving a marketing offer at the mobile device, receiving at the mobile device an indication of how to store the marketing offer, and storing the marketing offer on the mobile device based on the received indication. Receiving the indication of how to store the marketing offer can comprise receiving the indication from the user of the mobile device or receiving the indication with the marketing offer. The indication of how to store the marketing offer can comprise an indication of a location for storing the marketing offer. The location can comprise a sub-folder of an inbox of the mobile device, a sub-container of a mobile wallet of the mobile device, or another location. | 02-25-2010 |
20100049599 | FILTERING MOBILE MARKETING OFFERS - Methods, systems, and machine-readable media are disclosed for filtering marketing messages sent to a mobile device. According to one embodiment, a method for filtering marketing messages sent to a mobile device can comprise receiving preference information from a user of the mobile device, the preference information indicating marketing offers the user considers to be relevant and generating one or more rules based on the preference information, the one or more rules defining conditions for marketing offers to be sent to the mobile device. The method can further comprise receiving marketing information related to at least one marketing offer, applying the one or more rules to the marketing information, and sending the marketing offer to the mobile device based on applying the one or more rules to the marketing information. | 02-25-2010 |
20100191633 | SYSTEMS AND METHODS FOR FINANCIAL ACCOUNT ACCESS FOR A MOBILE DEVICE VIA A GATEWAY - 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. Prior to providing the mobile device with access to the account, a set of inquiries associated with the identified financial account processor(s) may be presented to the mobile device, and response information from the mobile device to answer the set of inquiries may be verified at the gateway. The mobile device is provided access to the financial account processor after the response information is verified. | 07-29-2010 |
20100291904 | SYSTEMS AND METHODS FOR PROVIDING TRUSTED SERVICE MANAGEMENT SERVICES - Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include at least one service provider gateway operable to receive and transmit messages with multiple service providers; at least one mobile network operator gateway operable to receive and transmit messages with multiple mobile network operators; at least one provisioning gateway operable to transmit mobile device application data with multiple mobile devices and to receive messages from the plurality of mobile devices. The system can further include a processor operable to execute computer-executable instructions to: facilitate service provider communications by providing a common service provider interface for the service providers; facilitate mobile network operator communications by providing a common mobile network operator interface for the mobile network operators; facilitate provisioning multiple mobile device applications with the mobile devices; and facilitate communications with the mobile devices. | 11-18-2010 |
20140250187 | SYSTEMS AND METHODS FOR PROVIDING TRUSTED SERVICE MANAGEMENT SERVICES - Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include at least one service provider gateway operable to receive and transmit messages with multiple service providers; at least one mobile network operator gateway operable to receive and transmit messages with multiple mobile network operators; at least one provisioning gateway operable to transmit mobile device application data with multiple mobile devices and to receive messages from the plurality of mobile devices. The system can further include a processor operable to execute computer-executable instructions to: facilitate service provider communications by providing a common service provider interface for the service providers; facilitate mobile network operator communications by providing a common mobile network operator interface for the mobile network operators; facilitate provisioning multiple mobile device applications with the mobile devices; and facilitate communications with the mobile devices. | 09-04-2014 |
Patent application number | Description | Published |
20120222099 | MULTIFACTOR AUTHENTICATION SERVICE - A multifactor authentication (MFA) enforcement server provides multifactor authentication services to users and existing services. During registration, the MFA enforcement server changes a user's password on an existing service to a password unknown to the user. During normal usage when the user accesses the existing service through the MFA enforcement server, the MFA enforcement server enforces a multifactor authentication enforcement policy. | 08-30-2012 |
20120291095 | INDEPENDENT SECURE ELEMENT MANAGEMENT - An independent secure element manager (ISEM) routes secure payloads without modifying the secure payloads and without knowledge of the encryption keys used to encrypt the secure payloads. Secure payloads from multiple issuers and multiple TSMs can coexist in one or more secure elements because of control by the ISEM. | 11-15-2012 |
20130073404 | VIRTUAL OPEN LOOP PAYMENT - A user's mobile device is associated with multiple merchant accounts. The merchant accounts may be gift cards, prepaid cards, stored value cards, or the like. Merchant cards may be topped up automatically at the point of sale so that a large number of closed loop merchant cards operate as a virtual open loop network. | 03-21-2013 |
20130073429 | SECURE COMMERCE WITHIN ELECTRONIC BANKING - Users perform in-application purchases when logged in to an electronic financial application. User funds are transferred into an intermediate account at the user's financial institution, and merchants are paid from a guaranteed account at a separate financial institution. Non-real-time settlement is performed between the intermediate account and the guaranteed account. | 03-21-2013 |
20130347075 | METHOD AND APPARATUS FOR SECURE CONSOLIDATION OF CLOUD SERVICES - Cloud services are provided to mobile devices. Applications access cloud services through a consolidator that consolidates the services. The mobile device may include a secure element and secure memory to which the consolidator may authenticate. Authenticated consolidators can control the lifecycle of applications and data in secure memory. Secure elements and secure memory may be embedded or integrated in the mobile device in non-removable add-on slots, or may be in a removable or remote add-on device. | 12-26-2013 |
20140122293 | SECURE COMMERCE WITHIN ELECTRONIC BANKING - Users perform in-application purchases when logged in to an electronic financial application. User funds are transferred into an intermediate account at the user's financial institution, and merchants are paid from a guaranteed account at a separate financial institution. Non-real-time settlement is performed between the intermediate account and the guaranteed account. | 05-01-2014 |
20140273970 | SECURE ELEMENT APPARATUS WITH MEMORY - Cloud services are provided to mobile devices. Applications access cloud services through a consolidator that consolidates the services. The mobile device may include a secure element and secure memory to which the consolidator may authenticate. Authenticated consolidators can control the lifecycle of applications and data in secure memory. Secure elements and secure memory may be embedded or integrated in the mobile device in non-removable add-on slots, or may be in a removable or remote add-on device. | 09-18-2014 |
20140282859 | TOKEN BASED MULTIFACTOR AUTHENTICATION - A multifactor authentication (MFA) enforcement server provides multifactor authentication services to users and existing services. During registration, the MFA enforcement server changes a user's password on an existing service to a password unknown to the user. During normal usage when the user accesses the existing service through the MFA enforcement server, the MFA enforcement server enforces a multifactor authentication enforcement policy. | 09-18-2014 |