Patent application number | Description | Published |
20120215609 | VOUCHER REDEMPTION - The invention provides a computer system and method for managing electronic transactions. A plurality of consumer and merchant accounts stored in the data store. Each consumer account has a first consumer account identifier. A communication and routing module receives a charge request, including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier. A merchant offer is received from the merchant computer system and stored in the data store. A voucher redemption system identifies a selected one of the voucher entries based on the charge request. A transaction processing adjusts the first amount to a second amount that is less than the first amount based on the discount of the selected voucher entry and processes the second amount based on the account detail of the selected consumer account. | 08-23-2012 |
20130211898 | EXPENSE TRACKER - The invention provides a computer-based method of managing electronic transactions. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A rule is stored in association the consumer account. A charge request is received over a network interface device, the charge request including a charge amount and a second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier. The rule of the selected consumer account is retrieved in response to receiving the charge request and an action is executed based on the rule. | 08-15-2013 |
20130304554 | TRANSACTION DATA RETRIEVAL AND TARGETING - Offer entries are received from merchant computer systems and stored in association with respective merchant account. Transaction data of consumers is received from a network computer system and profile are built utilizing the transaction data. A consumer is then targeted by transmitting a selected one of the offer entries to a consumer device based at on the profile. | 11-14-2013 |
20130304589 | BIDDING ON TRANSACTION DATA - Transaction data of consumers is stored in a data store. Offer entries of merchants are received from a plurality of merchant computer systems and stored in the data store in association with respective merchant accounts. At least a representation of the transaction data is transmitted to the merchant computer system. A bid is received from each of the merchant computer system for the transaction data. The bids are compared and an activation level of one or more of the offer entries is set based on the comparison of the bids. The offer entry is transmitted to a consumer device based. The transmission of the offer entry is dependent on the activation level of the offer entry. | 11-14-2013 |
20140214508 | CARD LINKED OFFERS - The invention provides a computer-based method of managing electronic transactions. A plurality of merchant accounts with offers are stored in a data store. A card number and a mobile phone number are then stored. Due to registration of the card number at least one of the offers is transmitted to a consumer mobile phone at the mobile phone number. A charge advisory is received after transmitting the offer to the consumer mobile phone. The offer is then applied against an account having a card number that matches a card number in the charge advisory. | 07-31-2014 |
20140235198 | MERCHANT SERVER PROGRAMMED FOR USER ACQUISITION WITHIN A REPEAT PAYMENT COMPUTER SYSTEM - A repeat payment computer system includes a merchant server and mobile billing operator server that are programmed for user acquisition through carrier billing and subsequent conversion to credit card billing. An advantage of the process is that the user does not have to enter credit card information for the default billing cycles to occur. The user only enters a phone number and password. Fewer barriers are provided for the user to become a regular repeat customer of the merchant server. The fees associated with mobile billing according to the default billing cycles have to be paid by the merchant server and may be too high in the long run. The merchant server can avoid the high fees associated with carrier billing by switching the user to billing according to the credit card information provided. The user is typically switched after the user has already become a regular customer. | 08-21-2014 |
20140235202 | MOBILE BILLING OPERATOR SERVER PROGRAMMED FOR USER ACQUISITION WITHIN A REPEAT PAYMENT COMPUTER SYSTEM - A repeat payment computer system includes a merchant server and mobile billing operator server that are programmed for user acquisition through carrier billing and subsequent conversion to credit card billing. An advantage of the process is that the user does not have to enter credit card information for the default billing cycles to occur. The user only enters a phone number and password. Fewer barriers are provided for the user to become a regular repeat customer of the merchant server. The fees associated with mobile billing according to the default billing cycles have to be paid by the merchant server and may be too high in the long run. The merchant server can avoid the high fees associated with carrier billing by switching the user to billing according to the credit card information provided. The user is typically switched after the user has already become a regular customer. | 08-21-2014 |
20150149349 | REDEEMABLE CODE TO TEXT - A method and system of processing a sale of an article, a virtual article, a service or a functionality such as a game is described. A code is generated by a server. A charge request is transmitted to an account server to charge an account of a user for a value of the code. The code is transmitted to a user device. The code is then processed by redeeming the code, wherein redemption of the code includes receiving the code from a user device and in response allowing access to the user device to the article, virtual article, a service or a functionality. | 05-28-2015 |