Patent application number | Description | Published |
20130110605 | PRODUCT RECOGNITION PROMOTIONAL OFFER MATCHING | 05-02-2013 |
20130226682 | PERSON-TO-PERSON TRANSACTION IDENTIFICATION OF COUPONS AND LOYALTY CARDS - Embodiments of the invention are directed to a system, method, or computer program product for loyalty identification matching during a person-to-person transaction. Embodiments of the invention reduce the friction of enrolling in and providing loyalty accounts and coupons during a person-to-person transaction with a person, merchant, and/or other entity. Once the user enrolls in the program, all loyalty accounts the user may have are determined. Furthermore, coupons that are available to the user are determined and stored in association with the user's loyalty accounts. In this way, the user may provide his/her person-to-person alias ID to initiate a person-to-person transaction. This same alias ID may also allow the user to utilize his/her loyalty accounts and/or coupons for the transaction. The system, after receiving the alias ID may provide the other party of the person-to-person transaction with all loyalty accounts and coupons associated with the transaction. | 08-29-2013 |
20130226686 | CUSTOMER LOYALTY IDENTIFICATION MATCHING - Embodiments of the invention are directed to a system, method, or computer program product for loyalty identification matching. Embodiments of the invention reduce the friction of enrolling in and providing loyalty accounts and coupons at a point-of-transaction for a transaction with a merchant. Once the user enrolls in the program, all loyalty accounts the user may have are determined. Furthermore, coupons that are available to the user are determined and stored in association with the user's loyalty accounts. In this way, the user may provide a user identifier to the merchant at a point-of-transaction to utilize the user's loyalty accounts and/or coupons for the transaction. The system, after receiving the user identifier from the merchant may provide the merchant with all loyalty accounts and coupons associated with the transaction the user is entering into with the merchant and apply them to the transaction. | 08-29-2013 |
20140006151 | OFFERS ASSOCIATED WITH FUEL PURCHASE | 01-02-2014 |
20140006186 | READABLE INDICIA FOR FUEL PURCHASE | 01-02-2014 |
20140006187 | READABLE INDICIA FOR FUEL PURCHASE | 01-02-2014 |
20140006188 | MOBILE DEVICE FOR FUEL PURCHASE | 01-02-2014 |
20140025468 | READABLE INDICIA FOR A REBATE REQUEST - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a rebate request. An exemplary system is configured to: receive information associated with readable indicia associated with a rebate request; and process the readable indicia to issue a rebate associated with a rebate request, wherein the rebate comprises issuance of a credit associated with a purchase previously made from the merchant. | 01-23-2014 |
20140025574 | READABLE INDICIA FOR A PAYMENT CLAIM - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a payment claim. An exemplary system is configured to: receive information associated with readable indicia associated with a payment claim; receive authentication credentials associated with the payment claim; and process the readable indicia and the authentication credentials to authorize a payment associated with the payment claim. | 01-23-2014 |
20140042218 | GENERATING READABLE INDICIA CUSTOMIZED FOR PRODUCT INFORMATION - Embodiments of the invention are directed to systems, methods and computer program products for collecting product information based on a navigation history of the user, the product information being associated with the product; generating a readable indicia based on the collected product information, wherein, in response to selection of the readable indicia, the readable indicia is configured to provide instructions for purchasing the product based on the collected product information; and presenting the readable indicia to the user for saving for subsequent consideration or distributing to one or more other users. In some embodiments, shipping information indicative of the user's desired destination address for the product is collected from user input and discount information is collected based on the navigation history of the user or user input. In such cases, the readable indicia may be generated based on all of the product information, the shipping information and the discount information. | 02-13-2014 |
20140048595 | PRE-SET READABLE INDICIA FOR VENDOR USE - Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention reads the pre-set readable indicia from a mobile device of the user, where the pre-set readable indicia comprises payment information, stores the read pre-set readable indicia or payment information extracted from the pre-set readable indicia, and, after connecting to a network, reconciles the transaction based on the payment information extracted from the pre-set readable indicia. In some embodiments, the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment information from the pre-set readable indicia. | 02-20-2014 |
20140048596 | PRE-SET READABLE INDICIA FOR CUSTOMER USE - Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention receives and stores one or more pre-set readable indicia including instructions for providing a payment during a transaction; and presents one or more of the pre-set readable indicia to a merchant during a transaction for payment. In some embodiments, the pre-set readable indicia comprises a one-use payment token for payment during a transaction not to exceed a predetermined payment limit, and in some embodiments, the pre-set readable indicia comprises payment account information and the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment account information from the pre-set readable indicia. | 02-20-2014 |
20140052459 | READABLE INDICIA FOR HEALTHCARE PAYMENT CODES - Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for healthcare codes. As such, a readable indicia may be presented at a point-of-transaction (POT) for a user to select. The system may dynamically present the readable indicia based on the user, the merchant, and the products of the transaction. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with private viewing and selecting of alternative payment methods available to the user for that transaction. Alternative payment methods may include insurance or government programs. The system may receive authorization to apply one of the alternative payment methods to the transaction. As such, the invention provides private, yet expedited transaction capabilities using alternative payment methods at a merchant POT. | 02-20-2014 |
20140052460 | READABLE INDICIA FOR MEDICAL OFFICE PAYMENT - Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for medical office payments. As such, a readable indicia may be presented at a point-of-transaction (POT) at a medical treatment providers for a user to select. The system may dynamically present the readable indicia based on the user, the treatments provided, and the user's insurance coverage. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with expedited viewing of itemized treatments, insurance coverage for each treatment, and amount due for each treatment, co-pay amount, an amount to be paid by the insurance company, detectable information, and a total amount the user will owe the medical treatment provider. The system may receive authorization to accept the treatment and apply a payment means to the treatment. | 02-20-2014 |
20140052461 | READABLE INDICIA FOR INSURANCE PAYMENT - Embodiments of the invention include systems, methods, and computer-program products for providing a readable indicia for insurance payments. The system may provide a readable indicia on a statement from a treatment provider, such as a medical treatment provider, where the user's insurance may have covered a portion of the treatment price. The readable indicia may provide the user with itemized treatments received and payment methods for each. Furthermore, the system may provide the user with information associated with his/her insurance policy. The itemized treatments received may indicate the treatments that the user received from the medical provider during the visit, such as exams, tests, and the like. Payment methods for each include an amount, if any, that an insurance company may have contributed and/or the amount due from the user for the treatment. | 02-20-2014 |
20140052635 | TIME-SENSITIVE READABLE INDICIA FOR FUNDRAISING - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for fundraising. An exemplary system is configured to receive information associated with readable indicia associated with a non-profit organization; and process the readable indicia to authorize a payment to the non-profit organization. The readable indicia is valid for a predetermined period. Additionally, the readable indicia enables tracking of various types of information associated with fundraising. | 02-20-2014 |
20140074631 | DIGITAL RECEIPT ROUTING FEATURE - Systems, methods, and computer program products are provided for routing digital receipts. In the systems and methods, transaction data is received, where the transaction data includes a receipt authorization code. The receipt authorization code is associated with one or more rules that include certain transaction criteria. The transaction criteria and the transaction data are compared to determine that the transaction complies with the one or more rules. Receipt data for the digital receipts is determined based on the terms of the one or more rules. In the systems and methods, digital receipts are provided to the user and include at least some of the receipt data. | 03-13-2014 |
20140074690 | DIGITAL RECEIPT ROUTER - Systems, methods, and computer program products are provided for routing digital receipts. In the systems and methods, transaction data is received, where the transaction data includes a receipt authorization code. The receipt authorization code is associated with one or more rules that include certain transaction criteria. The transaction criteria and the transaction data are compared to determine that the transaction complies with the one or more rules. Receipt data for the digital receipts is determined based on the terms of the one or more rules. In the systems and methods, digital receipts are provided to the user and include at least some of the receipt data. | 03-13-2014 |
20140164223 | TARGET FINANCIAL INSTITUTION CHANNEL MIGRATION BASED ON TRANSACTION HISTORY - Embodiments of the invention relate to systems, methods, and computer program products for targeting financial institution channel migration based on patterns or trends in a customer's transaction history. Once a trend is identified, such as a customer makes weekly deposits at a banking center, recommendations for alternative financial channels are determined which are optimal to the financial institution, the customer or both. Optimization is defined in terms of the customer by the recommended transaction channels being more efficient/less time-consuming and in terms of the financial institution the recommended transaction channels being more cost efficient. Once the recommended transactions channels are determined, an alert is communicated to the customer in the form of email, text message, online/mobile banking posting or the like. | 06-12-2014 |
20140164224 | TARGETING BANKING CENTER CUSTOMERS FOR CHANNEL MIGRATION WITH BANKING CENTER REPRESENTATIVE-PERSONALIZED ALERTS - Embodiments of the invention relate to systems, methods, and computer program products for targeting financial institution channel migration away from first channel, such as banking centers and towards other transaction channels using banking representative-personalized recommendation alerts. In this regard the present invention serves to inform and encourage financial institution customers to use other more optimal financial institution channels for conducting transactions. Once recommendations for alternative transaction channels have been determined, alerts are generated and communicated within a selected time frame after the banking center transaction has been conducted. In addition to the recommendations, the alert is personalized by the banking center representative that assisted the customer, so as to further gain the attention of the customer. Moreover, the alerts may include further information to encourage the customer to use the recommendations, such as directions to the alternative financial institution channels, instructions for using the alternative channels and the like. | 06-12-2014 |
20140183255 | PROVIDING INFORMATION FROM USE OF READABLE INDICIA WITH MOBILE DEVICE - Embodiments of the invention are directed to systems, methods and computer program products for providing information from use of readable indicia. Embodiments may include receiving usage information corresponding to a plurality of readable indicia read at one or more points of transaction during one or more transactions; storing some or all the usage information; and providing access to the stored usage information. Embodiments may receive one or more e-receipts from the one or more points of transaction; store the one or more e-receipts in the memory; and associate each e-receipt with usage information corresponding to the same transaction. Some embodiments receive a request from an online banking application or a mobile banking application of a user for usage information; and initiate presentation of some or all the usage information in response to the request. | 07-03-2014 |
20140183257 | PROVIDING USER INFORMATION BY PRESENTING READABLE INDICIA WITH MOBILE DEVICE - Embodiments of the invention are directed to systems, methods and computer program products for providing user information to a merchant during a transaction. Embodiments may generate a readable indicia encoding user information and initiate display of the readable indicia on a display for presentation to the merchant such that the merchant may read the readable indicia and determine the user information stored in the readable indicia. Some embodiments receive and store the user information in the memory device, and receive user input requesting generation of the readable indicia. Some embodiments receive and store a plurality of profiles, where each profile is associated with some or all the stored user information and receives user input selecting one of the profiles, and receive user input requesting generation of the readable indicia based on the selected profile. | 07-03-2014 |
20140188704 | ALLOWING A CUSTOMER TO OBTAIN A NEW CARD NUMBER USING A MOBILE INTERFACE - A system provides a new card number to a customer by receiving a customer request for a new card number and electronically transmitting the new card number to a mobile device associated with the customer. In some cases, the system initiates creation of a physical card corresponding to the electronically transmitted new card number; and initiates shipping of the created physical card to a physical address associated with the customer. In some cases, the new card number is electronically transmitted to a mobile wallet application running on the mobile device associated with the customer. The request may include a customer request for a new card number associated with a new account, and the system determines that the customer has been pre-approved for a new account, initiates opening of the new account and initiates creation of a physical card corresponding to the electronically transmitted new card number and the new account. | 07-03-2014 |
20140188718 | PUSHING A NEW CARD NUMBER USING A MOBILE INTERFACE - A system provides a new card number to a customer by determining that a compromise of customer information has occurred, and, in response to determining that the compromise has occurred, electronically transmit the new card number to a mobile device of the customer. The system may initiate creation of a physical card corresponding to the electronically transmitted new card number; and initiate shipping of the created physical card to a physical address of the customer. The new card number may be electronically transmitted to a mobile wallet application running on the mobile device associated with the customer. In response to determining that the compromise has occurred, the system may cancel a current card of the customer and transmit a message to the customer indicating the current card has been cancelled and indicating the new card has been transmitted or inquiring whether the customer wants the new card to be transmitted. | 07-03-2014 |
20140189877 | IDENTITY PROTECTION AND DISTRIBUTION SYSTEM - Embodiments of the invention are directed to systems, methods and computer program products for providing user information to a merchant. Embodiments may receive and store user information in a user file, receive a request from a merchant for some or all of the user information stored in the user file in response to the merchant reading a readable indicia presented by a user using a mobile device; and, in response to the request for some or all the user information, retrieve the requested information and transmit the requested information to the merchant. Embodiments may receive and store a plurality of profiles, where each profile is associated with some or all the user information stored in the user file. Some embodiments may receive user input, through the merchant, selecting one of the profiles; where retrieving the requested information comprises retrieving the user information associated with the selected profile. | 07-03-2014 |