| Patent application number | Description | Published |
|---|
| 20080249908 | SYSTEM FOR CALCULATING ESTIMATED CURRENCY CONVERSION OUTCOME - A method includes receiving an inquiry. The inquiry identifies a first currency, a monetary amount in the first currency, and at least some digits of a payment card account number. The method also includes responding to the inquiry by providing a monetary amount in a second currency. The monetary amount in the second currency corresponds to a proposed currency conversion to be applied to the monetary amount in the first currency. | 10-09-2008 |
| 20080249909 | REMITTANCE SYSTEM WITH AUTOMATIC FINDING OF CASH LOCATIONS - A method includes receiving an indication that a funds transfer has been completed by crediting of a monetary amount to a recipient's payment card account. The method further includes transmitting, to the recipient's mobile telephone, and at a timing determined by the indication, data that indicates at least one location for retrieving funds from the recipient's payment card account. | 10-09-2008 |
| 20080249910 | REGISTRATION OF CUSTOMERS FOR PAYMENT CARD BASED REMITTANCE SYSTEM - An application is received to register a customer for a funds transfer system. The application includes (a) the customer's name, (b) the customer's residential address, (c) the customer's mobile telephone number, and (d) an identification document that confirms the customer's name and residential address. The customer's mobile telephone number is associated with a payment card account number. The customer's name and residential address and a record of the identification document are stored in association with the payment card account number. | 10-09-2008 |
| 20080249928 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DESIGNATION OF RECIPIENT BY MOBILE TELEPHONE NUMBER - A request is received for a funds transfer. The request includes a destination telephone number. The destination telephone number is translated into a destination payment card account number. The funds transfer is routed as a payment transaction using the destination payment card account number. | 10-09-2008 |
| 20080249929 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION - A payment system receives, from a first financial institution, a request for a funds transfer. The request originates from a sender who has an account with the first financial institution. The payment system routes the funds transfer to a second financial institution for the benefit of a recipient. The payment system receives, from the second financial institution, the recipient's name and residential address. | 10-09-2008 |
| 20080249930 | INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company. | 10-09-2008 |
| 20090090783 | DUAL USE PAYMENT DEVICE - A mobile device includes an antenna and at least one control device coupled to the antenna. The at least one control device is selectively operable in a first mode and in a second mode. In the first mode, the at least one control device transmits a payment card account number via the antenna to a point of sale terminal. In the second mode, the at least one control device transmits a message to the point of sale terminal via the antenna to request that the point of sale terminal download transaction information to the mobile device. | 04-09-2009 |
| 20090094123 | PAYMENT SERVICES PROVIDER METHODS IN CONNECTION WITH PERSONALIZED PAYMENTS SYSTEM - A method includes receiving transaction information from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes receiving, from a mobile device, a request that a funds transfer be made from a payment card account that belongs to a customer who is operating the mobile device to a payment card account that belongs to the merchant. The method also includes forwarding the request to a financial institution that issued the payment card account that belongs to the customer. | 04-09-2009 |
| 20090094125 | SYSTEM FOR PERSONALIZED PAYMENTS VIA MOBILE DEVICES - A method includes receiving transaction information at a mobile device from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes generating a funds transfer request in the mobile device. The funds transfer request includes the merchant information, information that indicates the transaction amount and information that identifies a customer of the merchant. The funds transfer request is for requesting that funds be transferred from a payment card account that belongs to the customer to a payment card account that belongs to the merchant. The method also includes transmitting, from the mobile device, the funds transfer request, to a financial institution that issued the customer's payment card account. | 04-09-2009 |
| 20090094126 | DUAL USE POINT OF SALE TERMINAL AND METHODS OF OPERATING SAME - A method of operating a point of sale (POS) terminal includes inputting into the POS terminal information for defining a transaction. The method further includes selecting between a first mode of operation of the POS terminal and a second mode of operation of the POS terminal. In the first mode of operation the POS terminal initiates a payment card authorization request to an acquirer financial institution. In the second mode of operation the POS terminal transmits transaction information to a customer's mobile device. | 04-09-2009 |
| 20090266884 | DUAL USE PAYMENT DEVICE - A mobile device includes an antenna and at least one control device coupled to the antenna. The at least one control device is selectively operable in a first mode and in a second mode. In the first mode, the at least one control device transmits a payment card account number via the antenna to a point of sale terminal. In the second mode, the at least one control device transmits a message to the point of sale terminal via the antenna to request that the point of sale terminal download transaction information to the mobile device. | 10-29-2009 |
