Patent application number | Description | Published |
20120116956 | HYBRID MOBILE COMMERCE SYSTEM, APPARATUS, METHOD AND COMPUTER PROGRAM PRODUCT - A method, system, apparatus, and computer program product are disclosed for a hybrid m-commerce system. Cash and electronic payment may be used substantially interchangeably within the hybrid m-commerce system. In one embodiment, cash change received from a transaction may be adjusted using the system. In another embodiment, cash change may be received as a change identifier. In yet another embodiment, a threshold may be defined and utilized to automatically adjust the balance of one or more stored value card account. | 05-10-2012 |
20120296726 | System and Method For Managing Transactions With A Portable Computing Device - A method and system include verifying credentials for gaining access to a central mobile payment controller using the portable computing device (“PCD”). The central mobile payment controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The central mobile payment controller through a tender steering module may determine if a profile of the portable computing device is associated with a merchant branded payment account and/or with a merchant branded stored value account. The central mobile payment controller may produce a message that lists one or more preferred payment options in a ranked fashion that may favor a merchant based on interchange rates. | 11-22-2012 |
20130013412 | Methods and Systems for Displaying GEO-Based Offers on a Mobile Advertising Display Device - Various aspects include methods and devices for displaying advertisements on a mobile advertising display device (MADD). Advertisements may be selected for display by a device, such as the MADD or an advertising server, based on one or more of the MADD's geographic location, the time of day, or various types of user data from nearby mobile devices. Further aspects include systems and methods of responding to requests from mobile device users and assigning expenses based on user activities. | 01-10-2013 |
20130246258 | SYSTEM AND METHOD FOR MANAGING PAYMENT IN TRANSACTIONS WITH A PCD - A system and method for managing payment in a transaction using a portable computing device (“PCD”) includes a mobile wallet token being received from an account issuing entity. Next, the mobile wallet token is stored in memory within a PCD payment platform (i.e., a cloud payment solution). A PCD token that corresponds with the mobile wallet token is generated by the PCD payment platform. The PCD token is transmitted over a communications network to a PCD. The mobile wallet token corresponds to at least one of: a credit card account, an alternative or non-traditional payment account, a stored value account, an account from a financial institution, and a merchant based card account. A mobile wallet token may be generated in response to receiving input from an on-line portal that future use of a payment account with a PCD is desired or in response to input received from a point-of-sale terminal. | 09-19-2013 |
Patent application number | Description | Published |
20130246259 | SYSTEM AND METHOD FOR MANAGING PAYMENT IN TRANSACTIONS WITH A PCD - A mobile wallet token is received from an account issuing entity. Next, the mobile wallet token is stored in memory within a portable computing device payment platform. A selection of an account for payment in a transaction is received from the PCD. The selected account is matched with the mobile wallet token and then the mobile wallet token is transmitted over a communications network. A pattern preserving token is then received from the communications network with the portable computing device payment platform for use to authorize payment in the transaction. The mobile wallet token corresponds to at least one of: a credit card account, an alternative or non-traditional payment account, a stored value account, an account from a financial institution, and a merchant based card account. A mobile wallet token may be generated by using an on-line portal to indicate the mobile payments are desired by the account holder. | 09-19-2013 |
20140122206 | SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE - A method and system include verifying credentials for gaining access to a transactional controller with the portable computing device. The transactional controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The transactional controller may also receive product scan data and compare the product scan data against one of offer data and coupon data in a database. After these comparisons, any matches of product scan data to offer data or coupon data may be sent to the PCD and the POS controller. Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the POS controller. During or after the purchase transaction, a message may be generated by the transaction controller which lists one or more preferred payment options that may be selected using the PCD to complete a purchase. | 05-01-2014 |
20140239066 | System and Method For Providing A Personalized Shopping Experience and Personalized Pricing of Products and Services With A Portable Computing Device - A system and method for providing a personalized shopping experience with a portable computing device (“PCD”) are described. The system and method may include checking-in PCD consumers upon entering an establishment of a merchant. The checking-in of the PCD consumer may include verifying credentials for gaining access to a central mobile payment controller and receiving a merchant identifier corresponding to a merchant from a computer communication's network. Next, a scan of a machine-readable code associated with at least one of a good and a service may be received. Information associated with the machine-readable code may be retrieved from a database. Subsequently, a personalized price for the at least one good or service may be determined by applying one or more rules. The personalized price may be transmitted over a computer communications network to the portable computing device for display to the PCD consumer. | 08-28-2014 |
20150220905 | SYSTEM AND METHOD FOR MANAGING PAYMENT IN TRANSACTIONS WITH A PCD - A system and method for managing payment in a transaction using a portable computing device (“PCD”) includes a mobile wallet token being received from an account issuing entity. Next, the mobile wallet token is stored in memory within a PCD payment platform (i.e., a cloud payment solution). A PCD token that corresponds with the mobile wallet token is generated by the PCD payment platform. The PCD token is transmitted over a communications network to a PCD. The mobile wallet token corresponds to at least one of: a credit card account, an alternative or non-traditional payment account, a stored value account, an account from a financial institution, and a merchant based card account. A mobile wallet token may be generated in response to receiving input from an on-line portal that future use of a payment account with a PCD is desired or in response to input received from a point-of-sale terminal. | 08-06-2015 |
20150220908 | SYSTEM AND METHOD FOR DETERMINING APPROPRIATE REDEMPTION PRESENTATIONS FOR A VIRTUAL TOKEN ASSOCIATED WITH A STORED VALUE ACCOUNT - A method for determining an appropriate redemption presentation for a virtual token associated with a stored value account is disclosed. The method may include receiving a request for presenting a redemption presentation of a virtual token and obtaining a merchant identifier associated with the request. The method may further include determining if the request is for one of an on-line transaction and a transaction with a point-of-sale terminal, and if the request is for a transaction with a point-of-sale terminal, then searching a database using the merchant identifier to find one or more redemption presentations of virtual token preferred by a merchant. Subsequently, the one or more redemption presentations of the virtual token may be transmitted over a computer network to a client device. | 08-06-2015 |
Patent application number | Description | Published |
20100125495 | SYSTEM AND METHOD OF PROVIDING A MOBILE WALLET AT A MOBILE TELEPHONE - A method of providing a mobile wallet is disclosed and may include displaying a mobile wallet login screen and displaying a mobile wallet. The mobile wallet includes at least one of the following: an accounts option, a buy now option, an offers option, a receipts option, and a more option. The method further includes displaying one or more accounts when the accounts option is selected. The one or more accounts may include at least one of the following: a bank account, a credit account, a gift card account, and a rewards account. | 05-20-2010 |
20100125510 | SYSTEM AND METHOD OF CONDUCTING TRANSACTIONS USING A MOBILE WALLET SYSTEM - A method of managing transactions between a mobile wallet within a mobile device and a point-of-sale terminal at a merchant is disclosed and may include receiving a request for a purchase code from the mobile wallet, generating a short-term purchase code, transmitting the short-term purchase code to the mobile wallet, and receiving the short-term purchase code from the merchant. | 05-20-2010 |
20110166992 | SYSTEM AND METHOD FOR CREATING AND MANAGING A STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT UNIQUE IDENTIFIER - A method for creating and managing a stored value account associated with a client device is disclosed and may include receiving one of a merchant identifier and an unbranded place holder to associate with the stored value account, receiving an amount of value to assign to the stored value account, and creating a virtual token for the stored value account that is associated with the client device. The method may further include creating a unique identifier associated with a client device, if a stored value account is associated with a merchant identifier, then creating an account number, and if a stored value account is associated with a merchant identifier, then creating an association between the account number and the unique identifier and between the account identifier and the merchant identifier in a database. | 07-07-2011 |
20110218868 | SYSTEM AND METHOD FOR DETERMINING APPROPRIATE REDEMPTION PRESENTATIONS FOR A VIRTUAL TOKEN ASSOCIATED WITH A STORED VALUE ACCOUNT - A method for determining an appropriate redemption presentation for a virtual token associated with a stored value account is disclosed. The method may include receiving a request for presenting a redemption presentation of a virtual token and obtaining a merchant identifier associated with the request. The method may further include determining if the request is for one of an on-line transaction and a transaction with a point-of-sale terminal, and if the request is for a transaction with a point-of-sale terminal, then searching a database using the merchant identifier to find one or more redemption presentations of virtual token preferred by a merchant. Subsequently, the one or more redemption presentations of the virtual token may be transmitted over a computer network to a client device. | 09-08-2011 |
20110218907 | SYSTEM AND METHOD FOR CREATING AND MANAGING A SHARED STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT DEVICE - A method for creating and managing a shared stored value account associated with a client device is disclosed. The method may include assigning a first unique identifier to an owner of a stored value account and assigning a primary account number to the stored value account. The method may further include receiving input to create a shared stored value account based on the stored value account as well as receiving input corresponding to an intended recipient of the shared stored value account. The method may also include creating a second unique identifier that is associated with the intended recipient of the shared stored value account and that is associated with the primary account number assigned to the stored value account. The method may also include displaying options for restrictions as well as creating a second primary account number that is associated with the second unique identifier for tracking the restrictions. | 09-08-2011 |
20120099780 | SYSTEM AND METHOD FOR CAPTURING TOKEN DATA WITH A PORTABLE COMPUTING DEVICE - A system and method for collecting and managing information taken from tokens, like credit cards and gift cards, includes a portable computing device (PCD). The PCD may support a token recognizer that may comprise hardware and/or software that may reside in memory of the PCD. The token recognizer may work in combination with a camera. The token recognizer may comprise a broad recognizer module and an optical character recognition (“OCR”) module. The camera of the PCD may capture images of one or more physical tokens. These captured images of the physical tokens may be processed by the token recognizer so that digital images as well as data provided by the physical tokens may be maintained in memory of the PCD for later presentation to the user. These later presentations on the PCD may be used for account management and for conducting transactions, such as making payment at a point-of-sale (POS) terminal. | 04-26-2012 |
20120330830 | SYSTEM AND METHOD FOR CREATING AND MANAGING A STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT UNIQUE IDENTIFIER - A method and system for creating and managing a stored value account associated with a client device is disclosed. A first stored value and an associated first virtual token may be created. A graphical representation of the first virtual token may be displayed on a display of a client device. An exchange request may be received, and a second stored value account may be created along with an associated second virtual token. Next, an animation that includes a transition from the first virtual token to the second virtual token may be displayed on the display of the client device. The animation may include a peel-off effect in which the first virtual token appears to curl away to reveal the second virtual token when the first virtual token has been exchanged for the second virtual token. | 12-27-2012 |
20130159178 | System and Method For Loading A Virtual Token Managed By A Mobile Wallet System - A method and system include receiving a payment account number from a token, such as a traditional credit card. Either the payment account number or a token is communicated over a communications network to a mobile wallet system and/or a vault. A first authorization code may be generated in response to receiving the payment account number or token. Next, the first authorization code is then transmitted over the communications network for relaying the first authorization code to a portable computing device, such as a mobile phone. The portable computing device receives the authorization code and re-transmits the code (as a second authorization code) over the communications network. Subsequently, the first and second code from the portable computing device are compared to determine if a match exists. If a match exists, then the payment account number is loaded into the mobile wallet system for use as a virtual token. | 06-20-2013 |
Patent application number | Description | Published |
20120072271 | SYSTEM, METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR AN ELECTRONIC, CROWDSOURCED MARKETING CAMPAIGN - A method, system, apparatus, and computer program product are disclosed for receiving a discount at a wireless device. The discount may be redeemable at a merchant. The discount may be part of a marketing campaign which defines a number of discounts receivable and potentially redeemable by the wireless device. A first discount may be redeemable by a first wireless device which initiated the marketing campaign. A second discount may be redeemable by at least one second wireless device, which is different than the first wireless device. | 03-22-2012 |
20120296725 | SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE - A method and system include verifying credentials for gaining access to a central mobile payment controller using the portable computing device (“PCD”). The central mobile payment controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The central controller may also receive product scan data and compare the product scan data against one of offer data and coupon data in a database. After these comparisons, any matches of product scan data to offer data or coupon data may be sent to the PCD and an electronic cash register (“ECR”). Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the PCD and ECR. During or after the purchase transaction, a message may be generated by the central mobile payment controller which lists one or more preferred payment options. | 11-22-2012 |
20130181045 | System and Method For Providing A Personalized Shopping Experience and Personalized Pricing of Products and Services With A Portable Computing Device - A system and method for providing a personalized shopping experience with a portable computing device (“PCD”) are described. The system and method may include checking-in PCD consumers upon entering an establishment of a merchant. The checking-in of the PCD consumer may include verifying credentials for gaining access to a central mobile payment controller and receiving a merchant identifier corresponding to a merchant from a computer communications network. Next, a scan of a machine-readable code associated with at least one of a good and a service may be received. Information associated with the machine-readable code may be retrieved from a database. Subsequently, a personalized price for the at least one good or service may be determined by applying one or more rules. The personalized price may be transmitted over a computer communications network to the portable computing device for display to the PCD consumer. | 07-18-2013 |
20130211900 | SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE - A method and system include verifying credentials for gaining access to a central mobile payment controller using the portable computing device (“PCD”). The central mobile payment controller may receive a merchant identifier corresponding to a vending machine and then it may compare the merchant identifier against loyalty account data stored in a database. The central mobile payment controller through a tender steering module may determine if a profile of the portable computing device is associated with a merchant branded payment account and/or with a merchant branded stored value account. The central mobile payment controller may produce a message that lists one or more preferred payment options in a ranked fashion that may favor a merchant based on interchange rates for completing a transaction at the vending machine. | 08-15-2013 |
20140089073 | System and Method For Managing Carbon Emission Credits at a Fuel Dispensing Station Via a Portable Computing Device - Systems and methods are provided for managing carbon emission credits at a fuel dispensing station via a portable computing device. An exemplary method comprises: receiving a request via a communications network for a transaction at a fuel dispensing station; determining a pump identifier associated with the fuel dispensing station; receiving a user selection of a carbon offset for the transaction; sending a message to a store controller associated with the pump identifier for an amount for the selected carbon offset; receiving the amount for the carbon offset; receiving a gas payment amount for the transaction; and initiating processing of a payment comprising the gas payment amount and the amount for the carbon offset. | 03-27-2014 |
20140089078 | SYSTEM AND METHOD FOR MANAGING CARBON EMISSION CREDITS AT A FUEL DISPENSING STATION USING VEHICLE ON-BOARD DIAGNOSTICS DATA - Systems and methods are provided for managing carbon emission credits associated with a vehicle fueling at a fuel dispensing station. An exemplary method comprises: receiving a request via a communications network for a vehicle fueling transaction at a fuel dispensing station; determining a pump identifier associated with the fuel dispensing station; sending a message to a store controller associated with the pump identifier for a fuel amount dispensed by the fuel dispensing station; receiving the fuel amount from the store controller; receiving on-board diagnostics (OBD) data associated with the vehicle; calculating a carbon emission adjustment based on the OBD data; and determining an estimated carbon emissions amount associated with the vehicle fueling transaction by applying the carbon emission adjustment to a predetermined carbon emissions amount for the fuel amount. | 03-27-2014 |