CN101601064A - 定制的支付交易通知 - Google Patents

定制的支付交易通知 Download PDF

Info

Publication number
CN101601064A
CN101601064A CNA2007800507616A CN200780050761A CN101601064A CN 101601064 A CN101601064 A CN 101601064A CN A2007800507616 A CNA2007800507616 A CN A2007800507616A CN 200780050761 A CN200780050761 A CN 200780050761A CN 101601064 A CN101601064 A CN 101601064A
Authority
CN
China
Prior art keywords
consumer
warning
transaction
communication pattern
information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CNA2007800507616A
Other languages
English (en)
Inventor
M·卡尔森
P·斯坦
P·费斯
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Visa USA Inc
Original Assignee
Visa USA Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa USA Inc filed Critical Visa USA Inc
Publication of CN101601064A publication Critical patent/CN101601064A/zh
Pending legal-status Critical Current

Links

Images

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/80—Rating or billing plans; Tariff determination aspects
    • H04M15/8033—Rating or billing plans; Tariff determination aspects location-dependent, e.g. business or home
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/835—Time or frequency of notifications, e.g. Advice of Charge [AoC]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/84—Types of notifications
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/85—Notification aspects characterised by the type of condition triggering a notification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/85—Notification aspects characterised by the type of condition triggering a notification
    • H04M15/851—Determined tariff
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/85—Notification aspects characterised by the type of condition triggering a notification
    • H04M15/854—Available credit
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/74—Rating aspects, e.g. rating parameters or tariff determination apects
    • H04M2215/7435—Location dependent, e.g. Bussiness or home
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H04M2215/8104—Time or frequency of notification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H04M2215/8129—Type of notification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H04M2215/815—Notification when a specific condition, service or event is met
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H04M2215/815—Notification when a specific condition, service or event is met
    • H04M2215/8166—Available credit

Abstract

公开了一种用于为便携式消费设备交易定制警告和通知的方法。本发明的一个实施例涉及一种方法，包括接收与便携式消费设备相关联的交易正在进行的信息，以及向与该便携式消费设备相关联的消费者提供警告，其中该警告指示该交易正在进行，其中该警告根据先前由该消费者通过使用使得用户能指定用于接收该警告的时间和通信模式的界面所指定的时间或通信模式来发送给该消费者。

Description

定制的支付交易通知
相关申请的交叉引用
本申请是2006年12月26日提交的美国临时专利申请No.60/871,898的非临时申请，并要求对该临时申请的优先权，该临时申请的全部内容通过引用通用地结合于此。
背景
存在消费者可能想要在他的信用卡被使用等时得到通知的许多情况。例如，他可能想要知道他的信用卡账号何时被用来在因特网上购买5000美元的大屏幕电视机、该账号何时在美国境外被用来购买飞机票、或者他的孩子何时使用该账号或信用卡来购买酒精饮料。
发行消费者的信用卡的发行方可在其确定用该消费者的信用卡来进行的购买中发生可能是欺诈性的活动时通知该消费者。该发行方可使用其记录在案的消费者的联系信息来联系该消费者，消费者的联系信息通常是消费者的家庭电话和地址。例如，发行方可以按消费者的家庭电话号码来呼叫该消费者或者向他的家庭地址寄一封信以便通知该消费者正在发生可能是欺诈性或未获授权的活动。然而，消费者可能不在家或可能未接电话并且信件到达该消费者的家可能要花费几天。此外，该活动可能在发行方的营业时间之外的早上的较早时段以及在消费者不想接听呼叫时发生。例如，如果在凌晨2点用消费者的信用卡进行了可能是欺诈性的购买，该消费者可能还在睡觉。因此，常规通知方法对于向消费者通知可能是欺诈性或未获授权的信用卡活动可能不是非常有效的。
本发明各实施例单独地或共同地解决这些问题及其它问题。
简要概述
本发明的实施例涉及经改进的消费者通知系统和方法。
本发明的一个实施例涉及一种方法，包括接收与便携式消费设备相关联的交易正在进行的信息，以及向与该便携式消费设备相关联的消费者提供警告，其中该警告指示交易正在进行，其中该警告根据先前由消费者通过使用允许用户指定用于接收该警告的时间和通信模式的界面指定的时间或通信模式来发送给该消费者。
本发明的另一实施例涉及一种客户机计算机，包括处理器以及计算机可读介质，其中该计算机可读介质包括用于执行一种方法的指令，该方法包括接收关于如何在对于便携式消费设备发生预定活动的情况下得到通知的信息，其中警告以与在发生该预定活动的情况下所提供的信息一致的方式来提供，其中所提供的信息是消费者选择通过使用使得用户能根据至少通信模式和时间定制警告的界面来为每一预定活动定制警告的结果，以及将该信息发送到通知服务器。
本发明的另一实施例涉及一种方法，包括提供关于如何在对于便携式消费设备发生预定活动的情况下得到通知的信息，以及以与在发生该预定活动的情况下所提供的信息一致的方式接收警告，其中所提供的信息是消费者选择根据通信模式和时间来为每一预定活动定制警告的结果。
本发明的另一实施例涉及一种电话，包括处理器，以及耦合到该处理器的计算机可读介质，其中该计算机可读介质包括用于接收警告的代码，其中该警告指示交易正在进行，其中该警告根据先前由该消费者通过使用使该消费者能指定用于接收该警告的时间和通信模式的界面所指定的时间或通信模式来发送给该消费者。
本发明的其他实施例涉及包括用于执行上述方法的代码的计算机可读介质以及执行这些方法和/或使用该计算机可读介质的系统、装置和设备。
以下将更详细地描述本发明的这些和其它实施例。
附图简述
图1(a)示出了根据本发明一实施例的支付处理系统的框图。
图1(b)示出了示例性便携式消费设备的框图。
图2示出根据本发明一实施例的系统的框图。
图3示出了例示根据本发明一实施例的方法中的各步骤的流程图。
图4示出了例示由消费者选择的通知参数的网页。
图5示出了计算机装置的框图。
详细描述
以下将更详细地描述定制支付交易通知系统和方法。这些系统和方法可以在使用被配置成处理信用卡和借记卡交易的支付处理系统的支付交易的上下文中使用。
I.支付处理系统
本发明的各实施例涉及使用便携式消费设备以及使用这些设备的方法和系统。这些便携式消费设备可在如图1(a)所示的支付处理系统中使用。
图1(a)示出了可在本发明的一实施例中使用的系统20。为了说明简便起见，示出了一个商家、一个发行方、一个收单方、一个便携式消费设备以及一个消费者。然而，可以理解，本发明的各实施例可包括多个商家、发行方、收单方、便携式消费设备和/或消费者。另外，本发明的某些实施例可包括比图1(a)所示的所有组件更少的组件。同样，图1(a)中的组件可使用任何合适的通信协议经由任何合适的介质(包括因特网在内)来进行通信。
系统20包括商家22以及与商家22相关联的收单方24。在典型的支付交易中，消费者30可使用便携式消费设备32来在商家22处购买商品或服务。收单方24可经由支付处理网络26来与发行方28进行通信。
收单方24通常是具有商家账户的银行。发行方28也可以是银行，但它也可以是诸如零售商店等商业实体。某些实体既是收单方又是发行方，并且本发明的各实施例包括这些实体。发行方28可操作服务器计算机21，其可具有包括用于执行发行方28所执行功能的代码的计算机可读介质。包括账号信息和其他信息的数据库23可有效地耦合到服务器计算机21。
消费者30可以是能够购买商品或服务的个人或诸如企业等组织。
便携式消费设备32可以是任何合适的形式。例如，合适的便携式消费设备可以是手持式且是紧凑型的，从而使其适于放入消费者的钱包和/或口袋(例如，袖珍型的)。这些便携式消费设备可以包括智能卡、普通信用卡或借记卡(带有磁条而没有微处理器)、钥匙链设备(如可在市场上从埃克森美孚公司买到的SpeedpassTM)等。便携式消费设备的其它示例包括蜂窝电话或移动电话、个人数字助理(PDA)、寻呼机、支付卡、安全卡、赊购卡、智能介质、发射机应答器等。便携式消费设备也可以是借记设备(例如，借记卡)、贷记设备(例如，信用卡)、或储值设备(例如，储值卡)。
便携式消费设备32可包括计算机可读介质(CRM)32(a)和主体32(b)。计算机可读介质32(a)可处于主体32(b)上。主体32(b)可以是塑料衬底、外壳或其他结构的形式。计算机可读介质32(a)可以是存储数据的存储器并且可以是任何合适的形式。示例性计算机可读介质32(a)可以是任何合适的形式，包括磁条、存储器芯片等。如果便携式消费设备32是卡的形式，则它可具有凸印有PAN(主账号)的凸印区域32(a)。
如图1(b)所示，电话形式的示例性无线便携式消费设备32′可包括计算机可读介质和主体。(图1(b)示出了多个组件，并且根据本发明实施例的便携式消费设备可包括这些组件的任何合适的组合或子集。)计算机可读介质32(b)可存在于主体32(h)中，或者可与其分离。主体32(h)可以是塑料衬底、外壳或其他结构的形式。计算机可读介质32(b)可以是存储数据的存储器并且可以是包括磁条、存储器芯片在内的任何合适的形式。存储器较佳地存储信息，诸如财务信息、通行信息(例如，如在地铁或火车通行证中)、门禁信息(例如，如在门禁证章中)等。财务信息可包括诸如银行账户信息、银行识别号(BIN)、信用卡或借记卡号信息、账户余额信息、到期日、诸如姓名、生日等消费者信息等信息。这些信息中的任一个都可由便携式消费设备32’来发送。
在某些实施例中，并且不考虑所使用的无线便携式消费设备的类型，存储器中的信息也可以是传统上与信用卡相关联的数据磁道的形式。这些磁道包括磁道1和磁道2。磁道1(“国际航空运输协会(International Air TransportAssociation)”)存储比磁道2更多的信息，并包含持卡人的姓名以及账号和其他自由选择的数据。该磁道有时由航空公司在用信用卡来保障预订时使用。磁道2(“美国银行业协会(American Banking Association)”)是当前最常用的。这是由ATM和信用卡检查器来读取的。ABA(美国银行业协会)设计该磁道的规范并且世界上所有银行都必须遵守该规范。该磁道包含持卡人的账户、加密PIN以及其他自由选择的数据。
便携式消费设备32’还可包括非接触式元件32(g)，其通常以具有诸如天线等相关联无线传输(例如，数据传输)元件的半导体芯片(或其他数据存储元件)的形式实现。非接触式元件32(g)与便携式消费设备32’相关联(例如，嵌在其中)并且经由蜂窝网络发送的数据或控制指令可通过非接触式元件接口(未示出)应用于非接触式元件32(g)。该非接触式元件接口用于准许在移动设备电路(并因此蜂窝网络)和可任选的非接触式元件32(g)之间交换数据和/或控制指令。
非接触式元件32(g)能够使用通常根据标准化协议或数据传输机制(例如，ISO 14443/近场通信(“NFC”))的NFC能力(或近场通信介质)来传输和接收数据。近场通信能力是短程通信能力，诸如RFID、蓝牙TM、红外线或可用于在便携式消费设备32’与询问设备之间交换数据的其他数据传输能力等。由此，便携式消费设备32’能够经由蜂窝网络和近场通信能力两者来传送和传输数据和/或控制指令。
便携式消费设备32’还可包括处理器32(c)(例如，微处理器)，其用于处理便携式消费设备32’和显示器32(d)的功能以使消费者能够看见电话号码以及其他信息和消息。便携式消费设备32’还可包括：输入元件32(e)，其用于使消费者能将信息输入到设备中；扬声器32(f)，其用于使消费者能听见语音通信、音乐等；以及话筒32(i)，其用于使消费者能通过便携式消费设备32’来传送她的话音。便携式消费设备32’还可包括用于无线数据传送(例如，数据传输)的天线32(a)。
再次参考图1(a)，支付处理网络26可包括用于支持和传递授权服务、异常文件服务、以及清算和结算服务的数据处理子系统、网络和操作。示例性支付处理网络可包括VisaNetTM。诸如VisaNetTM等支付处理网络能够处理信用卡交易、借记卡交易、以及其它类型的商业交易。具体而言，VisaNetTM包括处理授权请求的VIP系统(Visa集成支付系统)以及执行清算和结算服务的Base II系统。
支付处理网络26可以包括服务器计算机。“服务器计算机”或“服务器”通常是强大的计算机或计算机群。例如，服务器计算机可以是大型主机、小型计算机群、或作为一个单元来运作的服务器组。在一个示例中，服务器计算机可以是耦合到web服务器的数据库服务器。支付处理网络26可使用包括因特网在内的任何合适的有线或无线网络。
商家22也可以拥有可以与便携式消费设备32交互的接入设备34或可从其接收通信。在图1(a)中，接入设备34位于商家22处。然而，它在本发明的其他实施例中可位于任何其他合适的位置。
根据本发明的实施例的接入设备可以是任何合适形式的。接入设备的示例包括销售点(POS)设备、蜂窝电话或移动电话、PDA、个人计算机(PC)、写字板PC、手持式专用读取器、机顶盒、电子收银机(ECR)、自动提款机(ATM)、虚拟收银机(VCR)、自助服务终端、安全系统、接入系统等。
如果接入设备34是销售点终端，则任何合适的销售点终端都可包括读取器34(a)、处理器34(b)以及计算机可读介质34(c)。读取器34(a)可包括任何合适的接触式或非接触式操作模式。例如，示例性读卡器可包括用于与便携式消费设备32交互的RF(射频)天线、磁条读取器等。
在典型的购买交易中，消费者30使用诸如信用卡等便携式消费设备32来在商家22处购买商品或服务。消费者的便携式消费设备32可以与商家22处诸如POS(销售点)终端等接入设备34交互。例如，消费者30可持信用卡并可以将其刷过POS终端中的适当的槽。或者，POS终端可以是非接触式读取器，并且便携式消费设备32可以是诸如非接触式卡等非接触式设备。
授权请求消息然后被转发给收单方24。在接收到该授权请求消息之后，然后将该授权请求消息发送到支付处理网络26。支付处理网络26然后将该授权请求消息转发给便携式消费设备32的发行方28。
在发行者28接收到该授权请求消息之后，发行者28将授权响应消息发回到支付处理网络26以指示当前交易是否已获授权。支付处理网络26然后将该授权响应消息转发回收单方24。收单方24然后将响应消息发回给商家22。
当商家22接收到该授权响应消息之后，商家22处的接入设备34然后可向消费者30提供授权响应消息。该响应消息可由接入设备34或便携式消费设备32来显示，或可在收据上打印出。
在一天结束时，支付处理网络26可以进行正常的清算和结算过程。清算过程是在收单方和发行方之间交换财务明细以便于对消费者的账户过账并与消费者的结算余额对账的过程。
以下描述的实施例中的某一些可使用如上所述的支付处理系统，或该支付处理系统中的组件的任何合适的组合。
II.定制支付交易通知系统和方法
本发明的实施例涉及对便携式消费设备交易的定制警告和通知。在本发明的这些实施例中，消费者可定制警告触发事件(trigger)(例如，仅在正在进行的交易价值大于5000美元的情况下通知消费者)、警告时间(例如，从上午9点到下午5点)、通信模式(例如，电子邮件、电话、SMS)和/或联系信息(例如，无线电子邮件地址、工作电子邮件地址、配偶的蜂窝电话、家庭电话)。消费者可使用诸如web界面等界面来指示在该消费者的便携式消费设备或与该便携式消费设备相关联的账号被使用时该消费者将要如何和/或在何时得到警告。在本发明的实施例中，消费者可指定他是否想要为他拥有的每一个账号和/或便携式消费设备单独设置警告。他还可指定所提供的任何警告都应对与该消费者相关联的所有账户或便携式消费设备在相同的时间并在相同的条件下提供。
说明性地，消费者可访问使该消费者能定制他在他的信用卡正被使用时得到警告的方式的网站。通过使用诸如网页等web界面，消费者可指示他想要在他的信用卡或信用卡账号在下午10点到上午6点之间用于进行任何金额的交易的情况下由电话来通知，因为他将很有可能在此期间在家睡觉。通过使用网页，消费者还可指定该消费者想要仅在交易金额大于500美元的情况下在上午6点到下午10点时段期间经由电子邮件和移动电话来通知任何账户或设备活动。由此，在消费者提供该定制信息之后，如果在上午2点使用该消费者的信用卡进行了5000美元的信用卡交易，则支付处理组织和/或发行方然后可通过按该消费者的家庭电话来呼叫消费者来向该消费者提供警告。该消费者之后可联系支付处理组织和/或发行方以采取适当的行动。例如，消费者可通过不授权交易来阻止交易发生。或者，如果在上午10点使用消费者的信用卡或信号卡账号进行了5000美元的交易，则支付处理组织和/或该信用卡的发行方可通过向该消费者的设备和他的移动电话提供警告来通知该消费者。
图2示出根据本发明一实施例的系统的框图。
图2示出了消费者205，其可使用便携式消费设备200来进行支付交易、转账、访问交易等。消费者205还可使用诸如移动电话等通知设备290来接收警告，并且可使用诸如个人计算机等客户机计算机207来接收警告和/或在警告程序中登记。如图2所示，客户机计算机207可以与web登记服务215进行有效通信，该web登记服务器215进而可以与登记应用服务器220、SQL数据库服务器230和通知服务器250进行有效通信。发行方210可与至少登记应用服务器220进行通信，而支付处理网络240可与通知服务器250进行通信。聚集器280可与网关260和通知设备290以及通知服务器250进行通信。图2所示组件中的每一个都将在以下更详细地描述。使用图2所示系统的方法也都将在以下详述。
为了说明简便起见，示出了一个便携式消费设备、一个消费者、一个发行方、一个通知设备、一个客户机计算机、一个聚集器等。然而，可以理解，本发明的实施例可包括多个便携式消费设备、消费者、发行方、通知设备、客户机计算机、聚集器等。另外，本发明的某些实施例可包括比图2所示的所有组件少的组件。同样，图2中的组件可使用任何合适的通信协议经由任何合适的介质(包括因特网在内)来进行通信。
图2中的系统包括与消费者205相关联的便携式消费设备200。合适的便携式消费设备已在上文中更详细地描述。
消费者205可操作客户机计算机207。客户机计算机207可以是台式计算机、膝上型计算机、蜂窝电话或移动电话、个人数字助理(PDA)等。客户机计算机207可使用包括基于WindowsTM的操作系统在内的任何合适的操作系统来操作。
通知设备290可以是可接收警告并可向消费者205提供这些警告的任何合适的设备。通知设备的示例包括计算机、蜂窝电话或移动电话(例如，如图1(b)所示)、有线电话、个人数字助理(PDA)、寻呼机等。通知设备290可以是任何合适的形式(例如，合适的通知设备可以是手持式且紧凑型的以使其可适合放入消费者的钱包和/或口袋)。
在某些实施例中，通知设备290和便携式消费设备200可被结合在同一设备中。例如，无线电话可用作可用于为商品或服务付费的便携式消费设备以及用于在正在发生与无线电话或关联于该无线电话的账号相关联的活动的情况下通知消费者的通知设备两者。
如果通知设备是电话，则它可包括处理器以及耦合到该处理器的计算机可读介质。该计算机可读介质包括用于接收警告的代码，其中该警告指示交易正在进行，其中该警告根据先前由该消费者通过使用使该消费者能指定用于接收该警告的时间和通信模式的界面所指定的时间或通信模式来发送给该消费者。
如上所述，发行方210可以是银行或诸如零售商店等其他商业实体。支付处理网络240可包括用于支持和传递授权服务、异常文件服务、以及清算和结算服务的数据处理子系统、网络和操作。示例性支付处理网络可包括VisaNetTM。
web登记服务器215、登记应用服务器220、SQL DB(数据库)服务器230和通知服务器250可执行不同的功能。例如，web登记服务器215可经由客户机计算机207来从消费者205接收登记或注册信息并且将登记信息发送到登记应用服务器220。登记应用服务器220可通过web登记服务器215或发行方210来从消费者205接收登记信息，并且可将新的或已更新的登记信息存储在SQL DB服务器230中。SQL DB服务器230可接收并存储新的且已更新的登记信息(例如，关于消费者想要接收什么类型的警告的信息等)以及其他消费者账户信息，诸如消费者是否已接收到警告以及消费者是否想要在尚未接收到警告的情况下升级警告等。通知服务器250可接收警告触发事件信息，确定消费者205是否想要得到关于该触发事件的通知，并在消费者205想要接收对触发事件的警告的情况下经由网关260和聚集器280来将警告发送到通知设备290。通知事件服务器250还可评估是否应升级警告。
图2中的系统还可包括网关260，藉此电话呼叫、文本消息或短消息服务(“SMS”)消息可经由聚集器280来从例如通知服务器250传递给消费者。(SMS通常是便携式消费设备上可用于准许经由中间服务器来在各设备之间发送短消息的服务。)网关260可具体化为计算机或网络，其允许或控制对另一计算机或网络的访问。网关260还可以是计算机或网络和另一计算机或网络之间的软件接口。
聚集器280可以是接收消息并将其发送到电话、电子邮件账户等的实体或组织。在某些情况下，无线电话公司可被认为是聚集器。
在消费者可接收警告之前，该消费者可向警告系统注册。信息可使用界面来接收，该界面允许用户指定用于在对于关联于消费者的便携式消费设备进行交易时接收警告的事件和通信模式。该信息包括消费者想要得到通知的通信模式或时间。
具体注册过程现在可参考图2来描述。消费者205可注册警告或更新对以任何数量的方式用便携式消费设备200来进行的交易的现有警告。例如，消费者205可经由出于该目的而设计的单独网站，或手动通过纸质表格(可被认为是注册界面)来注册。注册信息可由发行方210、操作支付处理网络240的支付处理组织或另一第三方来接收。
发行方210或支付处理组织还可针对警告和通知自动登记消费者205。例如，如果消费者205是由发行方210自动登记的或者向与便携式消费设备200相关联的发行方210提供登记信息，则发行方210可与登记应用服务器220进行通信并可将该消费者的登记信息发送到登记应用服务器220。在某些情况下，消费者205可通过经由网站、通过电话或通过邮件来亲自向发行方210(例如，发放该消费者的信用卡的银行)提供信息(例如，警告触发事件、时间、通信模式和/或关于通知的联系信息)来登记针对便携式消费设备200(例如，信用卡或借记卡)的警告(或更新现有信息)。警告可按账户来设置(例如，为消费者所具有的发行方的每一个账户和/或便携式消费设备设置警告)或可按标识来设置以使得该消费者的所有账户都具有相同的警告。
消费者205还可经由专门设计的网站(与发行方分开的)通过输入便携式消费设备200的登记信息(或更新现有信息)来注册要接收警告。例如，消费者205可使用客户机计算机207来访问网站以输入注册信息。该信息然后被发送到web登记服务器215，其将该信息发送到登记应用服务器220。
客户机计算机207可包括处理器以及计算机可读介质。该计算机可读介质包括用于执行一种方法的指令，该方法包括接收关于如何在对便携式消费设备发生预定活动的情况下得到通知的信息，其中警告以与在发生该预定活动的情况下所提供的信息一致的方式来提供，其中所提供的信息是消费者选择通过使用使得用户能根据至少通信模式和时间定制警告的界面来为每一预定活动定制警告的结果，以及将该信息发送到通知服务器。
示例性web界面在图4中示出。如图所示，拥有具有账号12345678的便携式消费设备200的消费者可针对每一个通信模式(可包括不同类型的电子设备)指示该用户想要被通知的一个或多个特定时间。图4还示出了将触发警告发送的阈值(例如，触发事件)。如图4所示，不同的触发事件可以与不同的时间和不同的警告模式相匹配。在所示示例中，消费者可能想要在交易在下午10:01和上午6:59之间进行时得到通知，因为他很可能不会在该时间期间进行交易。然而，在其他时间期间，该消费者可能只想在交易大于100美元的情况下得到警告。
登记应用服务器220然后可将新的或已更新的登记信息存储在SQL DB服务器230中。该SQL DB服务器可在登记应用服务器220接收到新的或已更新的信息之后立即更新，或周期性地更新(例如，每小时、在一天结束时等)。
警告触发事件记录然后可被发送到一系统，该系统将检测对于警告的触发事件以使得该系统知道在什么条件下消费者205想要警告。这些触发事件记录可按需(例如，在消费者205作出改变时)或周期性地(例如，每小时、每天等)发送。在一个实施例中，检测警告的系统可以是支付处理网络240。在另一实施例中，检测警告的系统可以是发行方210。
在某些实施例中，警告可以在满足其他特定条件后发送。例如，与特定购买交易相关联的条件可首先由支付处理组织或发行方来评估，以确定是否将要发送警告。例如，支付处理组织或发行方可确定正在评估的特定交易是邮件定单-电话定单类型的购买(即，MOTO交易)，是有风险的交易(例如，因为该交易正由过去具有风险问题的商家来进行)和/或超过特定美元限额(例如，价值超过30美元)。在这些实施例中，警告可能仅在满足这些条件的情况下发送。这些条件可以在有或没有消费者参与或知道的情况下由支付处理组织或发行方来设置。
图3示出了包括根据本发明一实施例的通用方法的流程图。该方法可参考图2的框图来描述。
在典型的交易中，消费者205可经由支付处理网络240使用便携式消费设备200来进行交易。例如，消费者205可使用诸如信用卡等便携式消费设备来为平板电视机支付5000美元(步骤300)。一旦消费者205使用了便携式消费设备200(例如，在如图1(a)所示并在早先描述的商家处刷他的信用卡)，授权请求消息就被传递给支付处理网络240。支付处理网络240检查以查看已用便携式消费设备200来进行交易的特性是否匹配消费者想要在这种情况下得到警告的条件(例如，通知事件触发事件)(步骤310)。
存在多个通知事件触发事件的示例。通知事件触发事件的示例包括以下各项：交易超过特定金额(例如，超过5000美元)；用特定便携式消费设备来进行任何交易；对于特定便携式消费设备达到花费阈值(例如，每日或每月花费限额)；交易在特定地理位置之外(例如，在消费者所居住国家的境外)进行；正在进行有风险的交易(“有风险”可由消费者和/或发行方来预定义)；交易在没有物理便携式消费设备的情况下(例如，因特网、邮件或电话定单)进行；现金交易或提取；在线账户已被访问；有人已使用该便携式消费设备进入特定场所(例如，安全区域、下班后的企业(business after hours))；支付在特定时间量内到期；支付过期；孩子或配偶进行了交易；超出便携式消费设备上的余额；正在进行特定类型的交易(例如，用于飞机票、住宿、汽车租赁、餐馆、医疗等的购买)等。由此，本发明的各实施例足够灵活以使得允许许多类型的通知事件触发事件。
如果不存在通知事件触发事件，则该通知过程结束(步骤315)。如果存在通知事件触发事件，则支付处理网络240将触发事件信息发送到通知服务器250。通知服务器250检查SQL DB服务器230以查看消费者想要如何(或者甚至是否想要)得到关于信用卡交易的通知(步骤320)。如果消费者205不想要得到关于该特定类型的交易的警告，则该通知过程结束(步骤325)。
如果消费者205想要得到关于该特定类型交易的通知，则然后经由该消费者205所指定的通信模式(例如，经由特定通信信道)来向该消费者205发送警告(步骤330)。通信模式的示例包括语音、移动电话(mobile)、SMS、电子邮件、即时消息、IVR(交互式语音响应)等。
如上所述，消费者可以为每一个通知事件触发事件指定一个或多个通信模式。例如，消费者可能想要在进行超过5000美元的交易时由移动电话和电子邮件来通知。另外，消费者可为每一个通信模式指定一个或多个联系信息。例如，消费者205可具有多个移动电话号码(例如，该消费者的个人移动电话、工作移动电话、配偶的移动电话号码)、多个电话号码(例如，家庭电话、工作电话)、多个SMS地址(例如，移动电话、PDA、秘书的PDA)或多个电子邮件地址(例如，工作电子邮件、个人电子邮件)等。消费者还可定制他想要接收所有警告中的每一个的时间。例如，消费者可能想要仅在特定时段(例如，在上午9点到下午5点之间)期间立即得到交易的通知，可以为一天中的不同时间或不同交易类型指定不同的通信模式，或可选择不在特定时段(例如，在上午1点到上午6点之间)得到通知。
由此，消费者可指定他想要在他的便携式消费设备用于超过特定金额(例如，超过5000美元)的交易的情况下，如果在白天则经由他的工作电话号码和配偶的电子邮件，如果该交易发生在晚上或周末则通过SMS和家庭电话来接收通知。警告可经由网关260和聚集器280使用指定通信模式来发送到通知设备290。警告文本或消息也可针对消费者来定制，如“马克(Mark)，您的以9999结尾的信用卡账户刚刚用于购买500美元的电话。如果这不正确，请联系555-555-5555”。
消费者还可能想要在未接收到警告的情况下升级警告。如果无法传递警告(例如，移动电话物理停机，消费者的号码已从列表上删除(de-list))，或者消费者未在特定时间内确认警告(例如，回复消息、收听语音邮件、打开SMS消息或电子邮件)，则可能无法接收到警告。关于消费者是否接收到警告的状态消息经由聚集器280和网关260来发送到通知服务器250，并被存储在SQL DB服务器230中。通知服务器250评估是否应升级警告(例如，是否接收到警告以及消费者是否已指定他想要升级警告)。如果未接收到警告，则通知服务器250可重试同一通信模式或基于消费者偏好或默认设置来尝试不同的通信模式。例如，消费者可以为在他所居住国家的境外进行的购买设置警告。他可能想要将该警告发送到他通常随身携带的PDA。然而，如果他由于PDA服务停机或者他没有携带PDA而未在他的PDA上接收到消息，则他可指定然后向不同的联系信息或他的其他联系信息中的每一个发送该警告直到系统知道他已接收到该警告。
该系统还可包括定时器，其用于发送状态消息以使得消费者205知道便携式消费设备是否已用于交易。例如，消费者205可能想要在每天上午7点警告他前天使用了两次便携式消费设备200或者用便携式消费设备200进行了特定类型的购买的定时器。
此外，消费者205可能想要在便携式消费设备200被用来访问特定场所的情况下得到警告。这可被表征为访问交易。例如，便携式消费设备200可以是用于获取对建筑物或其他场所的进入许可的门禁设备。员工可在下班后进入特定企业或进入该企业的安全区域。消费者205可能想要接收员工已使用便携式消费设备200进入安全区域的警告。例如，如果乔(Joe)员工在营业时间后进入安全服务器房间，则消费者205可在他的移动电话上接收到说“乔员工已进入安全区域A(服务器房间)的SMS消息。
本发明的各实施例具有多个优点。第一，消费者可完全定制他想要如何、何时以及是否想要对用便携式消费设备来进行的部分或所有交易的警告，并由此完全控制关于他的便携式消费设备的通知。这还允许有更好的机会检测到可能是欺诈性的动作，因为消费者将很可能以及时的方式接收到警告以使其能够在必要时响应该警告。而言，有更好的机会阻止背对背的欺诈性动作，因为消费者可对警告作出快速反应。此外，消费者可跟踪安全区域的进出或使用便携式消费设备的一般员工活动。消费者还可跟踪孩子或配偶使用便携式消费设备的活动。最后，确保消费者在他未能通过第一通信模式或向其发送警告的联系信息接收到警告的情况下来通过该升级过程接收该警告。
应当理解，如上所述，本发明能够以模块化或集成的方式使用计算机软件来以控制逻辑的形式实现。基于此处所提供的公开和示教，本领域普通技术人员将理解并认识到使用硬件和硬件和软件的组合来实现本发明的其它方式和/或方法。
上述服务器计算机、客户机计算机以及甚至某些便携式消费设备中的任一个都可利用任何合适数量的子系统。这些子系统或组件的示例在图5中示出。图5所示的子系统经由系统总线775来互连。示出了诸如打印机774、键盘778、固定磁盘779、耦合到显示适配器782的监视器776等其他子系统。耦合到输入/输出(I/O)控制器771的外围设备和I/O设备可通过诸如串行端口777等本领域内已知的任何数量的手段来连接到计算机系统。例如，串行端口777或外部接口781可用于将计算机装置连接到诸如因特网等广域网、鼠标输入设备或扫描仪。经由系统总线的互连使中央处理器773能与每一个子系统进行通信并控制来自系统存储器772或固定磁盘779的指令的执行，以及各子系统之间的信息交换。系统存储器772和/或固定磁盘779可具体化计算机可读介质。
在本申请中描述的任何软件组件或功能都可被实现为由处理器使用诸如，例如比如使用常规的或面向对象的技术的Java、C++、或Perl等任何适当计算机语言来执行的软件代码。软件代码可作为一系列指令或命令来存储在诸如随机存取存储器(RAM)、只读存储器(ROM)、诸如硬盘或软盘等磁性介质、或诸如CD-ROM等光学介质等计算机可读介质上。任何这种计算机可读介质可驻留在单个计算装置之上或之内，并可存在于系统或网络内的不同计算装置之上或之内。
以上说明书是说明性的而非限制性的。本发明的许多变体对本领域的技术人员在审阅本公开后是显而易见的。因此，本发明的范围不应参考以上描述来确定，而是应当参考所附权利要求以及其全部范围或等效方案来确定。
来自任何实施例的一个或多个特征可以与任何其它实施例的一个或多个特征相结合而不背离本发明的范围。
对“一”、“一个”或“该”的叙述旨在表示“一个或多个”，除非特别地有相反指示。

Claims (26)

1.一种方法，包括：
接收与便携式消费设备相关联的交易正在进行的信息；以及
向与所述便携式消费设备相关联的消费者提供警告，其中所述警告指示所述交易正在进行，其中所述警告根据先前由所述消费者通过使用使得用户能指定用于接收所述警告的时间和通信模式的界面所指定的所述时间或通信模式来发送给所述消费者。
2.如权利要求1所述的方法，其特征在于，所述警告在以下情况下被发送给所述消费者：正在进行的交易超过预定金额、所述交易是预定类型的、所述交易在由所述消费者指定的地理位置之外进行、所述交易被确定为有风险的交易、所述交易在未在销售点处物理地呈现所述便携式消费设备的情况下进行、所述交易是现金交易、所述交易是特定类型的用户定义的交易、所述交易涉及账户访问、所述交易指示有人正进入或退出一场所、所述交易指示支付到期或过期、或者所述交易指示指定的人正在进行所述交易。
3.如权利要求1所述的方法，其特征在于，所述警告根据先前由所述消费者指定的时间和通信模式来发送给所述消费者。
4.如权利要求1所述的方法，其特征在于，便携式消费设备是卡的形式，并且其中所述警告被发送到由所述消费者操作的电话。
5.如权利要求1所述的方法，其特征在于，所述警告是第一警告，并且其中第二警告通过另一通信模式被发送给所述消费者。
6.如权利要求1所述的方法，其特征在于，还包括：
经由界面接收用户指定的时间和通信模式以供接收所述警告。
7.如权利要求1所述的方法，其特征在于，所述通信模式包括使用电话呼叫、语音邮件、SMS、即时消息和电子邮件中的至少一个。
8.如权利要求1所述的方法，其特征在于，所述消费者先前提供指定所述警告将被发送的条件的触发事件。
9.一种计算机可读介质，包括：
用于接收与便携式消费设备相关联的交易正在进行的信息的代码；以及
用于向与所述便携式消费设备相关联的消费者提供警告的代码，其中所述警告指示所述交易正在进行，其中所述警告根据先前由所述消费者通过使用使得用户能指定用于接收所述警告的时间和通信模式的界面所指定的所述时间或通信模式来发送给所述消费者。
10.如权利要求9所述的计算机可读介质，其特征在于，所述警告是第一警告，并且其中所述计算机可读介质还包括用于通过另一通信模式将第二警告发送给所述消费者的代码。
11.如权利要求9所述的计算机可读介质，其特征在于，所述信息经由支付处理网络来接收，并且其中所述支付处理网络被配置成处理信用卡和借记卡交易。
12.如权利要求9所述的计算机可读介质，其特征在于，所述警告是电话呼叫的形式。
13.一种包括如权利要求9所述的计算机可读介质的服务器计算机。
14.如权利要求13所述的服务器计算机，其特征在于，所述服务器计算机与支付处理网络进行通信。
15.如权利要求13所述的服务器计算机，其特征在于，所述警告是第一警告，并且其中所述计算机可读介质还包括用于通过另一通信模式将第二警告发送给所述消费者的代码。
16.一种客户机计算机，包括处理器以及计算机可读介质，其中所述计算机可读介质包括用于执行一种方法的指令，所述方法包括：
接收关于如何在对便携式消费设备发生预定活动的情况下得到通知的信息，其中警告以与在发生所述预定活动的情况下所提供的信息一致的方式来提供，其中所提供的信息是消费者选择通过使用使得用户能根据至少通信模式和时间定制所述警告的界面来为每一预定活动定制警告的结果；以及
将所述信息发送到通知服务器。
17.如权利要求16所述的客户机计算机，其特征在于，还包括耦合到所述处理器的显示器，其中所述显示器显示示出所述消费者所定制的时间、通信模式以及警告的触发事件的界面。
18.如权利要求16所述的客户机计算机，其特征在于，所述界面是web界面。
19.如权利要求16所述的客户机计算机，其特征在于，所述警告是电话呼叫的形式。
20.一种方法，包括：
提供关于如何在对便携式消费设备发生预定活动的情况下得到通知的信息；以及
以与在发生所述预定活动的情况下所提供的信息一致的方式来接收警告，其中所提供的信息是消费者选择根据通信模式和时间来为每一预定活动定制警告的结果。
21.如权利要求20所述的方法，其特征在于，所提供的信息包括消费者想要得到通知的时间。
22.如权利要求20所述的方法，其特征在于，所提供的信息包括消费者想要得到通知的日期。
23.如权利要求20所述的方法，其特征在于，所提供的信息包括消费者想要得到通知的通信模式。
24.如权利要求20所述的方法，其特征在于，所述通信模式包括电话呼叫、语音邮件、SMS、即时消息和电子邮件。
25.如权利要求20所述的方法，其特征在于，所述警告在满足由发行方或支付处理组织设置的条件后发起。
26.一种电话，包括处理器以及耦合到所述处理器的计算机可读介质，其中所述计算机可读介质包括用于接收警告的代码，其中所述警告指示交易正在进行，其中所述警告根据先前由所述消费者通过使用使得所述消费者能指定用于接收所述警告的时间和通信模式的界面所指定的所述时间或通信模式来发送给所述消费者。
CNA2007800507616A 2006-12-26 2007-12-21 定制的支付交易通知 Pending CN101601064A (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US87189806P 2006-12-26 2006-12-26
US60/871,898 2006-12-26

Publications (1)

Publication Number Publication Date
CN101601064A true CN101601064A (zh) 2009-12-09

Family

ID=39585952

Family Applications (6)

Application Number Title Priority Date Filing Date
CN200780050814A Pending CN101647040A (zh) 2006-12-26 2007-12-20 使用别名的移动支付系统和方法
CNA2007800507071A Pending CN101595491A (zh) 2006-12-26 2007-12-20 移动自动售货机购买
CN200780050662A Pending CN101647038A (zh) 2006-12-26 2007-12-21 来自多个实体的优惠券优惠
CNA2007800507616A Pending CN101601064A (zh) 2006-12-26 2007-12-21 定制的支付交易通知
CN200780050672A Pending CN101647039A (zh) 2006-12-26 2007-12-21 实时余额更新
CN200780050840A Pending CN101657784A (zh) 2006-12-26 2007-12-21 移动优惠卷方法和利用该方法的便携式消费设备

Family Applications Before (3)

Application Number Title Priority Date Filing Date
CN200780050814A Pending CN101647040A (zh) 2006-12-26 2007-12-20 使用别名的移动支付系统和方法
CNA2007800507071A Pending CN101595491A (zh) 2006-12-26 2007-12-20 移动自动售货机购买
CN200780050662A Pending CN101647038A (zh) 2006-12-26 2007-12-21 来自多个实体的优惠券优惠

Family Applications After (2)

Application Number Title Priority Date Filing Date
CN200780050672A Pending CN101647039A (zh) 2006-12-26 2007-12-21 实时余额更新
CN200780050840A Pending CN101657784A (zh) 2006-12-26 2007-12-21 移动优惠卷方法和利用该方法的便携式消费设备

Country Status (9)

Country Link
US (2) US8645971B2 (zh)
EP (2) EP2104915A4 (zh)
JP (3) JP5303471B2 (zh)
KR (2) KR20090104069A (zh)
CN (6) CN101647040A (zh)
AU (3) AU2007339976B2 (zh)
BR (2) BRPI0720676A2 (zh)
CA (3) CA2674077A1 (zh)
WO (3) WO2008083078A2 (zh)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103020820A (zh) * 2011-09-20 2013-04-03 深圳市财付通科技有限公司 一种交易支付方法和系统
CN103034548A (zh) * 2012-11-29 2013-04-10 广东全通教育股份有限公司 一种基于规则匹配的智能计费校验方法和系统
CN104395919A (zh) * 2012-04-11 2015-03-04 微系统英国有限公司 输送产品的设备
CN106255982A (zh) * 2013-12-05 2016-12-21 阿莫斯·阿克曼 用于监视来自信用清算设备的金融交易的系统及其方法

Families Citing this family (225)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7389275B2 (en) 2002-03-05 2008-06-17 Visa U.S.A. Inc. System for personal authorization control for card transactions
US9710852B1 (en) 2002-05-30 2017-07-18 Consumerinfo.Com, Inc. Credit report timeline user interface
US9400589B1 (en) 2002-05-30 2016-07-26 Consumerinfo.Com, Inc. Circular rotational interface for display of consumer credit information
US7792715B1 (en) 2002-09-21 2010-09-07 Mighty Net, Incorporated Method of on-line credit information monitoring and control
US7451113B1 (en) 2003-03-21 2008-11-11 Mighty Net, Inc. Card management system and method
US7761374B2 (en) 2003-08-18 2010-07-20 Visa International Service Association Method and system for generating a dynamic verification value
US7740168B2 (en) 2003-08-18 2010-06-22 Visa U.S.A. Inc. Method and system for generating a dynamic verification value
US8175889B1 (en) 2005-04-06 2012-05-08 Experian Information Solutions, Inc. Systems and methods for tracking changes of address based on service disconnect/connect data
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
US9065643B2 (en) 2006-04-05 2015-06-23 Visa U.S.A. Inc. System and method for account identifier obfuscation
US8886125B2 (en) 2006-04-14 2014-11-11 Qualcomm Incorporated Distance-based association
US9215581B2 (en) 2006-04-14 2015-12-15 Qualcomm Incorported Distance-based presence management
US8552903B2 (en) 2006-04-18 2013-10-08 Qualcomm Incorporated Verified distance ranging
US8615426B2 (en) 2006-12-26 2013-12-24 Visa U.S.A. Inc. Coupon offers from multiple entities
CN101647040A (zh) 2006-12-26 2010-02-10 维萨美国股份有限公司 使用别名的移动支付系统和方法
US9940627B2 (en) 2006-12-26 2018-04-10 Visa U.S.A. Inc. Mobile coupon method and system
BRPI0806457A2 (pt) 2007-01-09 2011-09-06 Visa Usa Inc método, telefone móvel, e, sistema
US8837724B2 (en) 2007-03-27 2014-09-16 Qualcomm Incorporated Synchronization test for device authentication
US9141961B2 (en) 2007-06-20 2015-09-22 Qualcomm Incorporated Management of dynamic mobile coupons
US9524502B2 (en) 2007-06-20 2016-12-20 Qualcomm Incorporated Management of dynamic electronic coupons
US9483769B2 (en) 2007-06-20 2016-11-01 Qualcomm Incorporated Dynamic electronic coupon for a mobile environment
US8170527B2 (en) 2007-09-26 2012-05-01 Visa U.S.A. Inc. Real-time balance on a mobile phone
US20090119170A1 (en) 2007-10-25 2009-05-07 Ayman Hammad Portable consumer device including data bearing medium including risk based benefits
KR20090060771A (ko) * 2007-12-10 2009-06-15 한국전자통신연구원 공용시스템에서 스마트카드를 이용한 개인시스템의 환경구성 시스템 및 방법
US8127986B1 (en) 2007-12-14 2012-03-06 Consumerinfo.Com, Inc. Card registry systems and methods
US9990674B1 (en) 2007-12-14 2018-06-05 Consumerinfo.Com, Inc. Card registry systems and methods
US9715709B2 (en) 2008-05-09 2017-07-25 Visa International Services Association Communication device including multi-part alias identifier
US8478692B2 (en) 2008-06-26 2013-07-02 Visa International Service Association Systems and methods for geographic location notifications of payment transactions
US8312033B1 (en) 2008-06-26 2012-11-13 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
US9542687B2 (en) 2008-06-26 2017-01-10 Visa International Service Association Systems and methods for visual representation of offers
US8707319B2 (en) * 2008-06-26 2014-04-22 Visa International Service Association Resource location verification by comparing and updating resource location with a location of a consumer device after a threshold of location mismatches is exceeded
US20090327135A1 (en) * 2008-06-26 2009-12-31 Loc Duc Nguyen Credit card paired with location identifiable device for point of service fraud detection
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
WO2010027750A2 (en) * 2008-08-24 2010-03-11 Visa U.S.A. Inc. Merchant device support of an integrated offer network
US8180702B2 (en) 2008-08-24 2012-05-15 Visa U.S.A. Inc. Transactional processing entity device support of an integrated offer network
US9824355B2 (en) 2008-09-22 2017-11-21 Visa International Service Association Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
US8977567B2 (en) 2008-09-22 2015-03-10 Visa International Service Association Recordation of electronic payment transaction information
US10706402B2 (en) 2008-09-22 2020-07-07 Visa International Service Association Over the air update of payment transaction data stored in secure memory
AU2009296822B2 (en) * 2008-09-24 2015-03-26 Visa International Service Association Intelligent alert system and method
WO2010036677A2 (en) 2008-09-25 2010-04-01 Visa International Service Association Systems and methods for sorting alert and offer messages on a mobile device
US8060424B2 (en) 2008-11-05 2011-11-15 Consumerinfo.Com, Inc. On-line method and system for monitoring and reporting unused available credit
US8181856B1 (en) * 2008-11-25 2012-05-22 Bank Of America Corporation Cash handling device having alert system
US10818119B2 (en) * 2009-02-10 2020-10-27 Yikes Llc Radio frequency antenna and system for presence sensing and monitoring
US20120060186A1 (en) * 2009-02-27 2012-03-08 JVC Kenwood Corporation Information reception apparatus, information reception method, computer program for information reception, and information distribution apparatus
US20110178929A1 (en) * 2009-03-03 2011-07-21 Paul Durkin Business-to-business transaction qualifier
US8019685B2 (en) * 2009-03-03 2011-09-13 Visa International Service Association System and method for account level blocking
US20100241535A1 (en) * 2009-03-19 2010-09-23 Brad Nightengale Account activity alert
US20100274653A1 (en) 2009-04-28 2010-10-28 Ayman Hammad Notification social networking
US20100274691A1 (en) * 2009-04-28 2010-10-28 Ayman Hammad Multi alerts based system
US9449327B2 (en) * 2009-04-28 2016-09-20 Visa International Service Association Merchant alert based system and method including customer presence notification
US9710802B2 (en) * 2009-04-28 2017-07-18 Visa International Service Association Merchant competition alert
US20100280960A1 (en) * 2009-05-04 2010-11-04 Agisilaos-Georgios Ziotopoulos Apparatus and methods for negotiating discount offers
US9443253B2 (en) 2009-07-27 2016-09-13 Visa International Service Association Systems and methods to provide and adjust offers
US10546332B2 (en) 2010-09-21 2020-01-28 Visa International Service Association Systems and methods to program operations for interaction with users
US20110055058A1 (en) * 2009-08-28 2011-03-03 Ayman Hammad Contact alert system and method
JP5540620B2 (ja) * 2009-09-16 2014-07-02 セイコーエプソン株式会社 レシートプリンター、レシートプリンターの制御方法およびプログラム
US20110145082A1 (en) 2009-12-16 2011-06-16 Ayman Hammad Merchant alerts incorporating receipt data
KR101459353B1 (ko) * 2010-01-08 2014-11-20 알까뗄 루슨트 데이터-타입-단말로 지향된 계정 정보를 통지하기 위한 방법 및 디바이스
US9245267B2 (en) 2010-03-03 2016-01-26 Visa International Service Association Portable account number for consumer payment account
US9336519B2 (en) * 2010-03-08 2016-05-10 Qualcom Incorporated System and method for determining appropriate redemption presentations for a virtual token associated with a stored value account
CN102859544B (zh) * 2010-03-11 2016-09-14 沃尔玛百货有限公司 用于使用移动设备进行交易支付的系统和方法
US9697520B2 (en) 2010-03-22 2017-07-04 Visa U.S.A. Inc. Merchant configured advertised incentives funded through statement credits
US9111280B2 (en) 2010-04-16 2015-08-18 Visa International Service Association General purpose messaging
US20110295731A1 (en) * 2010-05-26 2011-12-01 Bank Of America Corporation Financial customer account activity monitoring and predictive account management system
US8965781B2 (en) 2010-06-01 2015-02-24 Albert Bruce Urquhart Online pay-per-use system and method
US8359274B2 (en) 2010-06-04 2013-01-22 Visa International Service Association Systems and methods to provide messages in real-time with transaction processing
US8931058B2 (en) 2010-07-01 2015-01-06 Experian Information Solutions, Inc. Systems and methods for permission arbitrated transaction services
US8744956B1 (en) 2010-07-01 2014-06-03 Experian Information Solutions, Inc. Systems and methods for permission arbitrated transaction services
US8660948B2 (en) * 2010-07-02 2014-02-25 Qualcomm Incorporated System and method for managing transactions with a portable computing device
US9972021B2 (en) 2010-08-06 2018-05-15 Visa International Service Association Systems and methods to rank and select triggers for real-time offers
US9679299B2 (en) 2010-09-03 2017-06-13 Visa International Service Association Systems and methods to provide real-time offers via a cooperative database
US20120066043A1 (en) * 2010-09-13 2012-03-15 Chris Carmichael Mobile Gift Card
US10055745B2 (en) 2010-09-21 2018-08-21 Visa International Service Association Systems and methods to modify interaction rules during run time
US9477967B2 (en) 2010-09-21 2016-10-25 Visa International Service Association Systems and methods to process an offer campaign based on ineligibility
US20120089450A1 (en) * 2010-10-07 2012-04-12 Microsoft Corporation Loyalty offer
US9525548B2 (en) 2010-10-21 2016-12-20 Microsoft Technology Licensing, Llc Provisioning techniques
US9558502B2 (en) 2010-11-04 2017-01-31 Visa International Service Association Systems and methods to reward user interactions
USD774529S1 (en) 2010-11-04 2016-12-20 Bank Of America Corporation Display screen with graphical user interface for funds transfer
US8782217B1 (en) 2010-11-10 2014-07-15 Safetyweb, Inc. Online identity management
US8484186B1 (en) 2010-11-12 2013-07-09 Consumerinfo.Com, Inc. Personalized people finder
US9147042B1 (en) 2010-11-22 2015-09-29 Experian Information Solutions, Inc. Systems and methods for data verification
US8805434B2 (en) 2010-11-23 2014-08-12 Microsoft Corporation Access techniques using a mobile communication device
US9509686B2 (en) 2010-12-03 2016-11-29 Microsoft Technology Licensing, Llc Secure element authentication
US8195576B1 (en) * 2011-01-31 2012-06-05 Bank Of America Corporation Mobile transaction device security system
WO2012109492A2 (en) * 2011-02-09 2012-08-16 Visa International Service Association Real-time account communication
USD774526S1 (en) 2011-02-21 2016-12-20 Bank Of America Corporation Display screen with graphical user interface for funds transfer
USD774528S1 (en) 2011-02-21 2016-12-20 Bank Of America Corporation Display screen with graphical user interface for funds transfer
USD774527S1 (en) 2011-02-21 2016-12-20 Bank Of America Corporation Display screen with graphical user interface for funds transfer
US10542372B2 (en) 2011-03-15 2020-01-21 Qualcomm Incorporated User identification within a physical merchant location through the use of a wireless network
US10438299B2 (en) 2011-03-15 2019-10-08 Visa International Service Association Systems and methods to combine transaction terminal location data and social networking check-in
US20120303438A1 (en) * 2011-05-23 2012-11-29 Microsoft Corporation Post paid coupons
US9607336B1 (en) 2011-06-16 2017-03-28 Consumerinfo.Com, Inc. Providing credit inquiry alerts
TW201303763A (zh) * 2011-07-07 2013-01-16 Danal Taiwan Co Ltd 供使用者利用行動裝置購買應用程式或加值服務的方法及系統
US9483606B1 (en) 2011-07-08 2016-11-01 Consumerinfo.Com, Inc. Lifescore
US20130024383A1 (en) * 2011-07-18 2013-01-24 Sasikumar Kannappan Mobile Device With Secure Element
US10223707B2 (en) 2011-08-19 2019-03-05 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US9106691B1 (en) 2011-09-16 2015-08-11 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US9466075B2 (en) 2011-09-20 2016-10-11 Visa International Service Association Systems and methods to process referrals in offer campaigns
CA2885689A1 (en) * 2011-09-21 2013-03-28 Jingit Holdings, Llc Offer management and settlement in a payment network
US10380617B2 (en) 2011-09-29 2019-08-13 Visa International Service Association Systems and methods to provide a user interface to control an offer campaign
US8738516B1 (en) 2011-10-13 2014-05-27 Consumerinfo.Com, Inc. Debt services candidate locator
US10290018B2 (en) 2011-11-09 2019-05-14 Visa International Service Association Systems and methods to communicate with users via social networking sites
US8818867B2 (en) * 2011-11-14 2014-08-26 At&T Intellectual Property I, L.P. Security token for mobile near field communication transactions
US9027827B2 (en) * 2012-01-16 2015-05-12 Qualcomm Incorporated System and method for providing a personalized shopping experience and personalized pricing of products and services with a portable computing device
US10497022B2 (en) 2012-01-20 2019-12-03 Visa International Service Association Systems and methods to present and process offers
US20130232074A1 (en) * 2012-03-05 2013-09-05 Mark Carlson System and Method for Providing Alert Messages with Modified Message Elements
US10672018B2 (en) 2012-03-07 2020-06-02 Visa International Service Association Systems and methods to process offers via mobile devices
US9953326B2 (en) * 2012-05-02 2018-04-24 Jpmorgan Chase Bank, N.A. Alert optimization system and method
US9853959B1 (en) 2012-05-07 2017-12-26 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US20130339188A1 (en) * 2012-06-18 2013-12-19 Ebay Inc. Gift token
US20140006114A1 (en) * 2012-06-29 2014-01-02 Ebay, Inc. Spending capability system
USD770478S1 (en) 2012-09-07 2016-11-01 Bank Of America Corporation Communication device with graphical user interface
CN103679488A (zh) * 2012-09-10 2014-03-26 中国银联股份有限公司 一种优惠券支付系统和方法
US10229412B1 (en) 2012-09-13 2019-03-12 Square, Inc. Using card present transaction data to generate payment transaction account
US20140081737A1 (en) * 2012-09-18 2014-03-20 Mastercard International Incorporated System and method for real-time discounts at point of sale
US20140081720A1 (en) * 2012-09-19 2014-03-20 Mastercard International Incorporated Method and system for processing coupons in a near field transaction
CN102903182A (zh) * 2012-09-29 2013-01-30 上海移远通信技术有限公司 自动售货机、移动终端、服务器、自动售货系统及方法
CA2890842A1 (en) * 2012-10-15 2014-04-24 Mobeam, Inc. User defined point-of-sale coupons and payments
CA3126471A1 (en) 2012-10-17 2014-04-17 Royal Bank Of Canada Virtualization and secure processing of data
US11210648B2 (en) 2012-10-17 2021-12-28 Royal Bank Of Canada Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments
US11080701B2 (en) 2015-07-02 2021-08-03 Royal Bank Of Canada Secure processing of electronic payments
US10692104B2 (en) * 2012-10-30 2020-06-23 Ycs Group, Llc Managing vendor offers
US9654541B1 (en) 2012-11-12 2017-05-16 Consumerinfo.Com, Inc. Aggregating user web browsing data
US8856894B1 (en) 2012-11-28 2014-10-07 Consumerinfo.Com, Inc. Always on authentication
US9916621B1 (en) 2012-11-30 2018-03-13 Consumerinfo.Com, Inc. Presentation of credit score factors
US11120414B1 (en) 2012-12-04 2021-09-14 Square, Inc. Systems and methods for facilitating transactions between payers and merchants
US10255598B1 (en) 2012-12-06 2019-04-09 Consumerinfo.Com, Inc. Credit card account data extraction
US20140214640A1 (en) * 2013-01-29 2014-07-31 Apple Inc. Parental management of digital assets
JP2014146186A (ja) * 2013-01-29 2014-08-14 Ｌ＆Ｃ Ｉｎｔｅｒｎａｔｉｏｎａｌ株式会社 決済支援装置および決済支援プログラム
US8972400B1 (en) 2013-03-11 2015-03-03 Consumerinfo.Com, Inc. Profile data management
US9406085B1 (en) 2013-03-14 2016-08-02 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US10102570B1 (en) 2013-03-14 2018-10-16 Consumerinfo.Com, Inc. Account vulnerability alerts
US9870589B1 (en) 2013-03-14 2018-01-16 Consumerinfo.Com, Inc. Credit utilization tracking and reporting
US9633322B1 (en) 2013-03-15 2017-04-25 Consumerinfo.Com, Inc. Adjustment of knowledge-based authentication
US10664936B2 (en) 2013-03-15 2020-05-26 Csidentity Corporation Authentication systems and methods for on-demand products
KR101653859B1 (ko) * 2013-04-02 2016-09-09 배효환 구매 보상 방법 및 그에 관한 컴퓨팅 시스템
US10685398B1 (en) 2013-04-23 2020-06-16 Consumerinfo.Com, Inc. Presenting credit score information
US9721147B1 (en) 2013-05-23 2017-08-01 Consumerinfo.Com, Inc. Digital identity
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
US10176464B2 (en) 2013-08-20 2019-01-08 Hewlett Packard Enterprise Development Lp Point of sale device leveraging a payment unification service
GB2517912A (en) * 2013-08-29 2015-03-11 Ifpl Group Ltd Order and payment system
US9805366B1 (en) 2013-09-16 2017-10-31 Square, Inc. Associating payment information from a payment transaction with a user account
CN103606092A (zh) * 2013-10-21 2014-02-26 金大甲 一种电子优惠券传输系统及方法
US10489754B2 (en) 2013-11-11 2019-11-26 Visa International Service Association Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US9477737B1 (en) 2013-11-20 2016-10-25 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US11481780B2 (en) 2013-12-18 2022-10-25 PayRange Inc. Method and system for asynchronous mobile payments for multiple in-person transactions conducted in parallel
US11481781B2 (en) 2013-12-18 2022-10-25 PayRange Inc. Processing interrupted transaction over non-persistent network connections
US11475454B2 (en) 2013-12-18 2022-10-18 PayRange Inc. Intermediary communications over non-persistent network connections
US11074580B2 (en) 2013-12-18 2021-07-27 PayRange Inc. Device and method for providing external access to multi-drop bus peripheral devices
USD755183S1 (en) 2013-12-18 2016-05-03 Payrange, Inc. In-line dongle
US8856045B1 (en) 2013-12-18 2014-10-07 PayRange Inc. Mobile-device-to-machine payment systems
US11205163B2 (en) 2013-12-18 2021-12-21 PayRange Inc. Systems and methods for determining electric pulses to provide to an unattended machine based on remotely-configured options
US9875473B2 (en) 2013-12-18 2018-01-23 PayRange Inc. Method and system for retrofitting an offline-payment operated machine to accept electronic payments
US9659296B2 (en) 2013-12-18 2017-05-23 PayRange Inc. Method and system for presenting representations of payment accepting unit events
US10019724B2 (en) 2015-01-30 2018-07-10 PayRange Inc. Method and system for providing offers for automated retail machines via mobile devices
US20150170136A1 (en) 2013-12-18 2015-06-18 PayRange Inc. Method and System for Performing Mobile Device-To-Machine Payments
CN114037442A (zh) 2013-12-23 2022-02-11 华为技术有限公司 一种基于电子钱包的交易方法、装置和系统
USD760256S1 (en) 2014-03-25 2016-06-28 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759689S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759690S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
US10419379B2 (en) 2014-04-07 2019-09-17 Visa International Service Association Systems and methods to program a computing system to process related events via workflows configured using a graphical user interface
US9892457B1 (en) 2014-04-16 2018-02-13 Consumerinfo.Com, Inc. Providing credit data in search results
US10373240B1 (en) 2014-04-25 2019-08-06 Csidentity Corporation Systems, methods and computer-program products for eligibility verification
US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11748736B1 (en) 2014-04-30 2023-09-05 Wells Fargo Bank, N.A. Mobile wallet integration within mobile banking
US11288660B1 (en) 2014-04-30 2022-03-29 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US11615401B1 (en) 2014-04-30 2023-03-28 Wells Fargo Bank, N.A. Mobile wallet authentication systems and methods
US11574300B1 (en) 2014-04-30 2023-02-07 Wells Fargo Bank, N.A. Mobile wallet systems and methods using trace identifier using card networks
US11610197B1 (en) 2014-04-30 2023-03-21 Wells Fargo Bank, N.A. Mobile wallet rewards redemption systems and methods
US9652770B1 (en) 2014-04-30 2017-05-16 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US10997592B1 (en) 2014-04-30 2021-05-04 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
WO2015172051A1 (en) * 2014-05-08 2015-11-12 Miller Kenneth C Process of sponsorship of a purchase
US10354268B2 (en) 2014-05-15 2019-07-16 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing
CN106462844B (zh) * 2014-06-26 2020-06-09 帕罗西亚科技股份有限公司 用于实现付款的方法和系统
CN104217323B (zh) * 2014-06-27 2018-05-01 武汉理工大学 一种基于rdss和nfc的无人区景区的电子支付方法
AU2015288079A1 (en) * 2014-07-06 2017-01-12 Visa International Service Association Dynamic checkout button apparatuses, methods and systems
US10445739B1 (en) 2014-08-14 2019-10-15 Wells Fargo Bank, N.A. Use limitations for secondary users of financial accounts
US11210669B2 (en) 2014-10-24 2021-12-28 Visa International Service Association Systems and methods to set up an operation at a computer system connected with a plurality of computer systems via a computer network using a round trip communication of an identifier of the operation
US11354651B2 (en) 2015-01-19 2022-06-07 Royal Bank Of Canada System and method for location-based token transaction processing
WO2016115620A1 (en) * 2015-01-19 2016-07-28 Royal Bank Of Canada Secure processing of electronic payments
USD763905S1 (en) 2015-01-30 2016-08-16 PayRange Inc. Display screen or portion thereof with animated graphical user interface
USD763888S1 (en) 2015-01-30 2016-08-16 PayRange Inc. Display screen or portion thereof with graphical user interface
USD764532S1 (en) 2015-01-30 2016-08-23 PayRange Inc. Display screen or portion thereof with animated graphical user interface
USD862501S1 (en) 2015-01-30 2019-10-08 PayRange Inc. Display screen or portion thereof with a graphical user interface
USD836118S1 (en) 2015-01-30 2018-12-18 Payrange, Inc. Display screen or portion thereof with an animated graphical user interface
USD773508S1 (en) 2015-01-30 2016-12-06 PayRange Inc. Display screen or portion thereof with a graphical user interface
US11853919B1 (en) 2015-03-04 2023-12-26 Wells Fargo Bank, N.A. Systems and methods for peer-to-peer funds requests
US11599879B2 (en) 2015-07-02 2023-03-07 Royal Bank Of Canada Processing of electronic transactions
CN106572129A (zh) * 2015-10-09 2017-04-19 美的集团股份有限公司 银行卡优惠信息的推送方法和装置
CN105590236A (zh) * 2015-11-18 2016-05-18 中国银联股份有限公司 附加信息实时生成及分发系统
CN105678589A (zh) * 2016-01-20 2016-06-15 青岛海信智能商用系统有限公司 基于pos终端的促销方法、系统和pos终端
WO2017175338A1 (ja) * 2016-04-06 2017-10-12 ブレイニー株式会社 電子決済システム
US10943251B2 (en) * 2016-04-06 2021-03-09 Mastercard International Incorporated Method and system for real-time rebate application
CN107403329A (zh) * 2016-05-18 2017-11-28 苏宁云商集团股份有限公司 一种业务凭证配置方法及装置
US10433196B2 (en) 2016-06-08 2019-10-01 Bank Of America Corporation System for tracking resource allocation/usage
US10581988B2 (en) 2016-06-08 2020-03-03 Bank Of America Corporation System for predictive use of resources
US10178101B2 (en) 2016-06-08 2019-01-08 Bank Of America Corporation System for creation of alternative path to resource acquisition
US10291487B2 (en) 2016-06-08 2019-05-14 Bank Of America Corporation System for predictive acquisition and use of resources
US10129126B2 (en) 2016-06-08 2018-11-13 Bank Of America Corporation System for predictive usage of resources
CN106056763A (zh) * 2016-06-14 2016-10-26 重庆盛学科技有限公司 全自动智能煲蒸饭贩卖机
CN109313764A (zh) * 2016-06-15 2019-02-05 万事达卡国际公司 对在支付卡接受点处使用的存款账号进行令牌化的系统和方法
WO2017219266A1 (zh) * 2016-06-22 2017-12-28 北京小米移动软件有限公司 信息显示方法、信息推送方法、装置及系统
US11468414B1 (en) 2016-10-03 2022-10-11 Wells Fargo Bank, N.A. Systems and methods for establishing a pull payment relationship
CN108074114B (zh) * 2016-11-09 2022-02-01 阿里巴巴集团控股有限公司 提供虚拟资源对象的方法及装置
US10699272B2 (en) 2016-11-11 2020-06-30 Visa International Service Association Customized content integration in mobile device application
US11829994B1 (en) 2017-02-14 2023-11-28 Wells Fargo Bank, N.A. Instant wallet credit card
JP2018200535A (ja) * 2017-05-26 2018-12-20 株式会社ジェーシービー 見守りシステム
CN108460625A (zh) * 2018-02-07 2018-08-28 安徽星网软件技术有限公司 一种优惠券发放和兑换校验管理系统
US11295297B1 (en) 2018-02-26 2022-04-05 Wells Fargo Bank, N.A. Systems and methods for pushing usable objects and third-party provisioning to a mobile wallet
US10616256B2 (en) 2018-03-14 2020-04-07 Bank Of America Corporation Cross-channel detection system with real-time dynamic notification processing
CA3094398A1 (en) 2018-03-19 2019-09-26 Simpello Llc System and method for detecting presence within a strictly defined wireless zone
US11074577B1 (en) 2018-05-10 2021-07-27 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US11775955B1 (en) 2018-05-10 2023-10-03 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US10911234B2 (en) 2018-06-22 2021-02-02 Experian Information Solutions, Inc. System and method for a token gateway environment
US20200074541A1 (en) 2018-09-05 2020-03-05 Consumerinfo.Com, Inc. Generation of data structures based on categories of matched data items
CN109345389A (zh) * 2018-09-25 2019-02-15 阿里巴巴集团控股有限公司 一种资源分享方法、装置及设备
US11315179B1 (en) 2018-11-16 2022-04-26 Consumerinfo.Com, Inc. Methods and apparatuses for customized card recommendations
US11238656B1 (en) 2019-02-22 2022-02-01 Consumerinfo.Com, Inc. System and method for an augmented reality experience via an artificial intelligence bot
JP2022525015A (ja) * 2019-03-06 2022-05-11 サノフイ トークンを有効化するための通信サーバおよびユーザデバイス
US11769132B1 (en) 2019-05-22 2023-09-26 Wells Fargo Bank, N.A. P2P payments via integrated 3rd party APIs
US11551190B1 (en) 2019-06-03 2023-01-10 Wells Fargo Bank, N.A. Instant network cash transfer at point of sale
US11941065B1 (en) 2019-09-13 2024-03-26 Experian Information Solutions, Inc. Single identifier platform for storing entity data
IT201900017177A1 (it) * 2019-09-25 2021-03-25 Metodo e sistema per la notifica personalizzata di pagamenti elettronici, in particolare tramite carte di pagamento.
CN111400664A (zh) * 2020-03-18 2020-07-10 成都理工大学 基于lbs的移动定向优惠券营销模型构建方法

Family Cites Families (303)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3356021A (en) 1967-12-05 Tail marker
US4044231A (en) 1975-05-27 1977-08-23 Addressograph Multigraph Corporation Secure property document and method of manufacture
US4674041A (en) 1983-09-15 1987-06-16 James K. Appleton Method and apparatus for controlling the distribution of coupons
US4613904A (en) 1984-03-15 1986-09-23 Control Data Corporation Television monitoring device
US4614861A (en) 1984-11-15 1986-09-30 Intellicard International, Inc. Unitary, self-contained card verification and validation system and method
US4882675A (en) * 1984-11-26 1989-11-21 Steven Nichtberger Paperless system for distributing, redeeming and clearing merchandise coupons
US4701601A (en) 1985-04-26 1987-10-20 Visa International Service Association Transaction card with magnetic stripe emulator
EP0291834B1 (en) 1987-05-15 1993-03-17 Oki Electric Industry Company, Limited Ic cards and information storage circuit therefor
US4868376A (en) 1987-05-15 1989-09-19 Smartcard International Inc. Intelligent portable interactive personal data system
US6684195B1 (en) * 1989-05-01 2004-01-27 Catalina Marketing International, Inc. Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5305196A (en) 1989-05-01 1994-04-19 Credit Verification Corporation Check transaction processing, database building and marketing method and system utilizing automatic check reading
US5644723A (en) 1989-05-01 1997-07-01 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5649114A (en) 1989-05-01 1997-07-15 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US6334108B1 (en) 1989-05-01 2001-12-25 Catalina Marketing International, Inc. Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5201010A (en) 1989-05-01 1993-04-06 Credit Verification Corporation Method and system for building a database and performing marketing based upon prior shopping history
US5621812A (en) 1989-05-01 1997-04-15 Credit Verification Corporation Method and system for building a database for use with selective incentive marketing in response to customer shopping histories
US6003767A (en) 1989-09-06 1999-12-21 Fujitsu Limited Cashless medium for an electronic cashless system
US6009415A (en) 1991-12-16 1999-12-28 The Harrison Company, Llc Data processing technique for scoring bank customer relationships and awarding incentive rewards
US5502636A (en) 1992-01-31 1996-03-26 R.R. Donnelley & Sons Company Personalized coupon generating and processing system
US5359183A (en) 1992-04-06 1994-10-25 Rafael Skodlar Payment card with display
US6292786B1 (en) 1992-05-19 2001-09-18 Incentech, Inc. Method and system for generating incentives based on substantially real-time product purchase information
US6076068A (en) 1992-09-17 2000-06-13 Ad Response Micromarketing Corporation Coupon delivery system
US5353218A (en) 1992-09-17 1994-10-04 Ad Response Micromarketing Corporation Focused coupon system
US6385312B1 (en) 1993-02-22 2002-05-07 Murex Securities, Ltd. Automatic routing and information system for telephonic services
US5579537A (en) 1993-04-08 1996-11-26 Digital D.J. Inc. Broadcast system with associated data capabilities
US5577266A (en) 1993-04-08 1996-11-19 Digital D.J. Inc. Broadcast system with associated data capabilities
US5491838A (en) 1993-04-08 1996-02-13 Digital D.J. Inc. Broadcast system with associated data capabilities
US5420606A (en) 1993-09-20 1995-05-30 Begum; Paul G. Instant electronic coupon verification system
US5477038A (en) 1993-10-25 1995-12-19 Visa International Method and apparatus for distributing currency
DE69412119T2 (de) * 1993-10-26 1999-04-15 Radisson Hotels Internationals System und verfahren zum belohnen von personen, die reisereservierungen vornehmen
US5465206B1 (en) 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US5500513A (en) 1994-05-11 1996-03-19 Visa International Automated purchasing control system
CN1057178C (zh) * 1994-05-19 2000-10-04 黄金富 非现金即时付款的防盗保全的方法和设备系统
WO1996004633A1 (en) 1994-07-29 1996-02-15 Seiko Communications Holding N.V. Dual channel advertising referencing vehicle location
FI100137B (fi) 1994-10-28 1997-09-30 Vazvan Simin Reaaliaikainen langaton telemaksujärjestelmä
US6366682B1 (en) * 1994-11-28 2002-04-02 Indivos Corporation Tokenless electronic transaction system
US5530438A (en) 1995-01-09 1996-06-25 Motorola, Inc. Method of providing an alert of a financial transaction
US6321208B1 (en) 1995-04-19 2001-11-20 Brightstreet.Com, Inc. Method and system for electronic distribution of product redemption coupons
US5884277A (en) 1995-05-01 1999-03-16 Vinod Khosla Process for issuing coupons for goods or services to purchasers at non-secure terminals
US5708422A (en) * 1995-05-31 1998-01-13 At&T Transaction authorization and alert system
US6237145B1 (en) 1995-06-06 2001-05-22 Infospace, Inc. System for accessing promotion information and for generating redeemable coupons therefrom
US5710886A (en) * 1995-06-16 1998-01-20 Sellectsoft, L.C. Electric couponing method and apparatus
US6035280A (en) 1995-06-16 2000-03-07 Christensen; Scott N. Electronic discount couponing method and apparatus for generating an electronic list of coupons
US5790677A (en) 1995-06-29 1998-08-04 Microsoft Corporation System and method for secure electronic commerce transactions
US5604921A (en) * 1995-07-07 1997-02-18 Nokia Mobile Phones Ltd. Radiotelephone user interface for broadcast short message service
US5678939A (en) 1995-07-17 1997-10-21 Ross; Stuart A. Card-shaped, hinged writing instrument
US5659165A (en) 1995-07-24 1997-08-19 Citibank. N.A. Customer-directed, automated process for transferring funds between accounts via a communications network
US5761648A (en) 1995-07-25 1998-06-02 Interactive Coupon Network Interactive marketing network and process using electronic certificates
US5857175A (en) 1995-08-11 1999-01-05 Micro Enhancement International System and method for offering targeted discounts to customers
US5791991A (en) 1995-11-15 1998-08-11 Small; Maynard E. Interactive consumer product promotion method and match game
US5855007A (en) 1995-11-15 1998-12-29 Jovicic; Neboisa Electronic coupon communication system
US6279112B1 (en) 1996-10-29 2001-08-21 Open Market, Inc. Controlled transfer of information in computer networks
US5970469A (en) * 1995-12-26 1999-10-19 Supermarkets Online, Inc. System and method for providing shopping aids and incentives to customers through a computer network
US6014634A (en) * 1995-12-26 2000-01-11 Supermarkets Online, Inc. System and method for providing shopping aids and incentives to customers through a computer network
US5777903A (en) 1996-01-22 1998-07-07 Motorola, Inc. Solar cell powered smart card with integrated display and interface keypad
US5907830A (en) 1996-02-13 1999-05-25 Engel; Peter Electronic coupon distribution
US5806044A (en) 1996-02-20 1998-09-08 Powell; Ken R. System and method for distributing coupons through a system of computer networks
US5870030A (en) * 1996-04-04 1999-02-09 Motorola, Inc. Advertiser pays information and messaging system and apparatus
US6062991A (en) 1996-04-05 2000-05-16 Moriarty; Stephen A. Communication, calculation, and record keeping method and apparatus for golf course
US5793972A (en) 1996-05-03 1998-08-11 Westminster International Computers Inc. System and method providing an interactive response to direct mail by creating personalized web page based on URL provided on mail piece
US6002771A (en) 1996-05-22 1999-12-14 Sun Microsystems, Inc. Method and system for regulating discounts on merchandise distributed through networked computer systems
WO1997045814A1 (en) 1996-05-24 1997-12-04 Behruz Vazvan Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
US5924080A (en) 1996-05-28 1999-07-13 Incredicard Llc Computerized discount redemption system
US5901214A (en) 1996-06-10 1999-05-04 Murex Securities, Ltd. One number intelligent call processing system
US5717866A (en) * 1996-06-28 1998-02-10 Codesaver International, Inc. Method for comparative analysis of consumer response to product promotions
US5878337A (en) 1996-08-08 1999-03-02 Joao; Raymond Anthony Transaction security apparatus and method
US5991749A (en) 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
US6076101A (en) 1996-09-12 2000-06-13 Fujitsu Limited Electronic mail processing system with bonus point tracking
JPH10116306A (ja) * 1996-10-14 1998-05-06 Nippon Signal Co Ltd:The 電子マネーシステム用記憶媒体処理装置
US5905246A (en) 1996-10-31 1999-05-18 Fajkowski; Peter W. Method and apparatus for coupon management and redemption
US9418381B2 (en) * 2000-04-14 2016-08-16 Citigroup Credit Services, Inc. (USA) Method and system for notifying customers of transaction opportunities
DE69603971T2 (de) 1996-12-13 2000-03-30 Ericsson Telefon Ab L M Verfahren und System zur Durchführung von Geldtransaktionen
US6247129B1 (en) 1997-03-12 2001-06-12 Visa International Service Association Secure electronic commerce employing integrated circuit cards
US20060122881A1 (en) 1997-03-21 2006-06-08 Walker Jay S Systems and methods for vending promotions
US5883580A (en) * 1997-03-24 1999-03-16 Motorola, Inc. Geographic-temporal significant messaging
US6868391B1 (en) 1997-04-15 2005-03-15 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
US5949044A (en) 1997-06-13 1999-09-07 Walker Asset Management Limited Partnership Method and apparatus for funds and credit line transfers
AU8276398A (en) 1997-07-03 1999-01-25 Citicorp Development Center, Inc. System and method for transferring value to a magnetic stripe on a transaction card
US6018718A (en) 1997-08-28 2000-01-25 Walker Asset Management Limited Partnership Method and system for processing customized reward offers
US5959577A (en) 1997-08-28 1999-09-28 Vectorlink, Inc. Method and structure for distribution of travel information using network
US5974399A (en) 1997-08-29 1999-10-26 Catalina Marketing International, Inc. Method and apparatus for generating purchase incentives based on price differentials
US6128599A (en) 1997-10-09 2000-10-03 Walker Asset Management Limited Partnership Method and apparatus for processing customized group reward offers
US6049778A (en) * 1997-10-31 2000-04-11 Walker Asset Management Limited Partnership Method and apparatus for administering a reward program
JPH11143936A (ja) * 1997-11-13 1999-05-28 Nippon Telegr & Teleph Corp <Ntt> スケジュールのリマインド通知処理方法，スケジュール管理装置およびリマインド通知プログラムを記録した記録媒体
US6009411A (en) 1997-11-14 1999-12-28 Concept Shopping, Inc. Method and system for distributing and reconciling electronic promotions
US6505046B1 (en) * 1997-11-19 2003-01-07 Nortel Networks Limited Method and apparatus for distributing location-based messages in a wireless communication network
US6535855B1 (en) 1997-12-09 2003-03-18 The Chase Manhattan Bank Push banking system and method
US6336098B1 (en) 1997-12-11 2002-01-01 International Business Machines Corp. Method for electronic distribution and redemption of coupons on the world wide web
US6055505A (en) * 1997-12-30 2000-04-25 U S West, Inc. Automatic customer notification system and method
US6647257B2 (en) 1998-01-21 2003-11-11 Leap Wireless International, Inc. System and method for providing targeted messages based on wireless mobile location
US7167892B2 (en) 1998-03-19 2007-01-23 Isochron, Inc. System, method and apparatus for vending machine wireless audit and cashless transaction transport
US6064990A (en) 1998-03-31 2000-05-16 International Business Machines Corporation System for electronic notification of account activity
US6318631B1 (en) 1998-04-13 2001-11-20 Eldat Communication Ltd. Scanning communicator
US7201313B1 (en) 1998-04-17 2007-04-10 Diebold, Incorporated Cash withdrawal from ATM via videophone
US7207477B1 (en) 2004-03-08 2007-04-24 Diebold, Incorporated Wireless transfer of account data and signature from hand-held device to electronic check generator
US7040533B1 (en) 1998-04-17 2006-05-09 Diebold, Incorporated Cash withdrawal from ATM via videophone
US6796490B1 (en) 2000-10-04 2004-09-28 Diebold, Incorporated Automated banking machine system and method
AUPP411098A0 (en) 1998-06-15 1998-07-09 Newcom Technologies Pty Ltd Communication method and apparatus improvements
US6067529A (en) 1998-08-12 2000-05-23 Ericsson Inc. System and method for sending a short message containing purchase information to a destination terminal
US7231372B1 (en) 1998-09-22 2007-06-12 Siemens Aktiengesellschaft Method and system for paying for goods or services
US6076069A (en) 1998-09-25 2000-06-13 Oneclip.Com, Incorporated Method of and system for distributing and redeeming electronic coupons
US6041309A (en) * 1998-09-25 2000-03-21 Oneclip.Com, Incorporated Method of and system for distributing and redeeming electronic coupons
US6470181B1 (en) 1998-11-20 2002-10-22 Nortel Networks Limited Method and apparatus for simultaneous text and audio for sponsored calls
US6330550B1 (en) 1998-12-30 2001-12-11 Nortel Networks Limited Cross-media notifications for e-commerce
JP2000222498A (ja) * 1999-01-28 2000-08-11 Tamura Electric Works Ltd 携帯電話装置及び電子マネーリチャージシステム
US20010011248A1 (en) * 1999-01-29 2001-08-02 Maria Azua Himmel Method and apparatus for transmitting and tendering electronic cash using a phone wallet
AU3320900A (en) 1999-03-17 2000-10-04 Star Home Gmbh System and method for roaming for prepaid mobile telephone service
US20040260653A1 (en) 1999-04-19 2004-12-23 First Data Corporation Anonymous transactions
US7231357B1 (en) 1999-04-19 2007-06-12 Neil Shanman System and method for the targeted distribution of discount coupons over a network
EP2360635A3 (en) 1999-04-30 2013-04-10 PayPal, Inc. System and method for electronically exchanging value among distributed users
US6227447B1 (en) 1999-05-10 2001-05-08 First Usa Bank, Na Cardless payment system
US7194437B1 (en) * 1999-05-14 2007-03-20 Amazon.Com, Inc. Computer-based funds transfer system
US6609104B1 (en) * 1999-05-26 2003-08-19 Incentech, Inc. Method and system for accumulating marginal discounts and applying an associated incentive
US7065500B2 (en) * 1999-05-28 2006-06-20 Overture Services, Inc. Automatic advertiser notification for a system for providing place and price protection in a search result list generated by a computer network search engine
IL130505A0 (en) 1999-06-16 2000-06-01 Israwash Ltd Method and system for remote purchase payments
US7593862B2 (en) 1999-07-07 2009-09-22 Jeffrey W. Mankoff Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means
US20020128903A1 (en) 1999-08-23 2002-09-12 Kent Kernahan Encrypted coupons
US7213755B2 (en) 1999-10-21 2007-05-08 Cubic Corporation System for rapidly dispensing and adding value to fare cards
US6488203B1 (en) 1999-10-26 2002-12-03 First Data Corporation Method and system for performing money transfer transactions
JP3681937B2 (ja) * 1999-10-29 2005-08-10 サンデン株式会社 キャッシュレス自動販売システム
US7308254B1 (en) 1999-12-15 2007-12-11 Nokia Corporation Wireless electronic couponing technique
US6584309B1 (en) * 1999-12-16 2003-06-24 The Coca-Cola Company Vending machine purchase via cellular telephone
US7013286B1 (en) 1999-12-30 2006-03-14 International Business Machines Corporation Generation, distribution, storage, redemption, validation and clearing of electronic coupons
US6587835B1 (en) 2000-02-09 2003-07-01 G. Victor Treyz Shopping assistance with handheld computing device
JP4619476B2 (ja) 2000-02-29 2011-01-26 株式会社東芝 自動改札機
DE1136961T1 (de) * 2000-03-24 2003-05-28 Mobipay International S A System und Verfahren für Fernbezahlungen und Transaktionen in Echtzeit mit Hilfe eines Mobiltelefons
US6912398B1 (en) 2000-04-10 2005-06-28 David Domnitz Apparatus and method for delivering information to an individual based on location and/or time
EP2278538A1 (en) 2000-04-24 2011-01-26 Visa International Service Association Online payer authentication service
FI20001054A (fi) 2000-05-05 2001-11-06 Sonera Oyj Digitaalinen maksumääräys
JP2001325550A (ja) * 2000-05-16 2001-11-22 Nec Corp 電子決済方法および電子決済システムならびにプログラム記憶媒体
US7353187B1 (en) 2000-05-26 2008-04-01 Comverse Ltd. Methods and systems for storing predetermined multimedia information
US6892941B2 (en) 2000-06-08 2005-05-17 Mendota Healthcare, Inc. Automatic prescription drug dispenser
GB2367411C (en) 2000-07-10 2007-12-12 Garry Harold Gibson Pyment system
US7257545B1 (en) 2000-07-26 2007-08-14 Hung Patrick Siu-Ying Configurable electronic redeemable coupon
JP3527211B2 (ja) 2000-08-01 2004-05-17 日立マクセル株式会社 電子クーポン・システム
US6647269B2 (en) 2000-08-07 2003-11-11 Telcontar Method and system for analyzing advertisements delivered to a mobile unit
US7774231B2 (en) * 2000-09-29 2010-08-10 Nokia Corporation Electronic payment methods for a mobile device
KR100397813B1 (ko) * 2000-09-29 2003-09-13 주식회사 시큐베이 무선 바코드를 이용한 고객관리 시스템
AU2002211424A1 (en) 2000-10-04 2002-04-15 American Express Travel Related Services Company, Inc. System and method for providing feedback in an interactive payment system
JP2002117377A (ja) 2000-10-04 2002-04-19 Nec Corp 位置情報を用いた、個人認証システム、カードによる認証システム及び暗証番号によるドアロックシステム
US7499889B2 (en) 2000-10-23 2009-03-03 Cyota Inc. Transaction system
JP2002133332A (ja) * 2000-10-26 2002-05-10 Dai-Ichi Kangyo Bank Ltd 支払取引の決済管理システム
GB0122249D0 (en) 2000-11-01 2001-11-07 British Telecomm Transaction authentication
US7318049B2 (en) * 2000-11-17 2008-01-08 Gregory Fx Iannacci System and method for an automated benefit recognition, acquisition, value exchange, and transaction settlement system using multivariable linear and nonlinear modeling
AU2002226941A1 (en) 2000-11-20 2002-06-03 Ecrio, Inc. Method for downloading bar code encoded information with a mobile communication
US6685093B2 (en) 2001-09-25 2004-02-03 Ecrio, Inc. System, method and apparatus for communicating information between a mobile communications device and a bar code reader
US6877665B2 (en) * 2000-11-20 2005-04-12 Ecrio, Inc. System, method, and apparatus for communicating information encoded in a light-based signal using a fob device
FR2817061B1 (fr) * 2000-11-22 2003-03-28 Welcome Real Time Procede et systeme de reception, stockage et traitement de coupons electroniques avec un telephone mobile ou un assistant numerique
US20020065713A1 (en) 2000-11-29 2002-05-30 Awada Faisal M. Coupon delivery via mobile phone based on location
US6631849B2 (en) 2000-12-06 2003-10-14 Bank One, Delaware, National Association Selectable multi-purpose card
JP2002183569A (ja) * 2000-12-14 2002-06-28 Nec Corp ポイント管理サーバ及び方法
IES20001075A2 (en) * 2000-12-22 2002-07-10 Global Digitaltechnology Holdi A customer loyalty database reward system
US7055031B2 (en) 2001-02-14 2006-05-30 Tivo, Inc. Method for generation, delivery, and validation of electronic coupons through personal TV service system
GB0104136D0 (en) 2001-02-20 2001-04-11 Hewlett Packard Co Apparatus for credential authorisation
US7809650B2 (en) 2003-07-01 2010-10-05 Visa U.S.A. Inc. Method and system for providing risk information in connection with transaction processing
JP4475833B2 (ja) * 2001-03-02 2010-06-09 日本テキサス・インスツルメンツ株式会社 ミラー検出信号生成回路
WO2002071189A2 (en) 2001-03-05 2002-09-12 American Express Travel Related Services Company, Inc. System and method for integrating offers
US20030144907A1 (en) 2001-03-05 2003-07-31 American Express Travel Related Services Company, Inc. System and method for administering incentive offers
US7110954B2 (en) 2001-03-12 2006-09-19 University Of Hong Kong Wireless purchase and on-line inventory apparatus and method for vending machines
US20020133462A1 (en) * 2001-03-16 2002-09-19 Koninklijke Philips Electronics N.V. Instant electronic notification of credit card use serves as deterrent
US7076329B1 (en) 2002-04-12 2006-07-11 Usa Technologies, Inc. Cashless vending transaction management by a vend assist mode of operation
US7131575B1 (en) 2001-03-26 2006-11-07 Usa Technologies, Inc. MDB transaction string effectuated cashless vending
US20030208406A1 (en) 2001-03-28 2003-11-06 Okamoto Steve Atsushi Method and apparatus for processing one or more value bearing instruments
US20060053056A1 (en) 2001-03-29 2006-03-09 American Express Marketing & Development Corporati Card member discount system and method
CA2443220A1 (en) * 2001-03-31 2002-10-10 First Data Corporation Electronic identifier payment system and methods
JP2002304522A (ja) * 2001-04-05 2002-10-18 Ufj Bank Ltd 認証方法、取引者側システム、コンピュータプログラムおよびそれを記録した記録媒体
US20020161701A1 (en) 2001-04-30 2002-10-31 Todd Warmack Debit or credit card transaction clearing house system
US7003497B2 (en) * 2001-05-23 2006-02-21 International Business Machines Corporation System and method for confirming electronic transactions
JP2002366819A (ja) 2001-05-31 2002-12-20 Hewlett Packard Co <Hp> 識別子に基づいた電子クーポンの配布システム
US6626356B2 (en) 2001-06-14 2003-09-30 General Electric Company Multi-use credit card for financial transactions and vehicle configuration
US7742984B2 (en) 2001-07-06 2010-06-22 Hossein Mohsenzadeh Secure authentication and payment system
JP3565801B2 (ja) * 2001-07-06 2004-09-15 株式会社ユーエフジェイ銀行 本人確認方法
US7119659B2 (en) * 2001-07-10 2006-10-10 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device for use in a private label transaction
US6664948B2 (en) 2001-07-30 2003-12-16 Microsoft Corporation Tracking pointing device motion using a single buffer for cross and auto correlation determination
US20030040959A1 (en) * 2001-08-10 2003-02-27 Fei Calvin H. Method and apparatus for conducting transactions on an automated teller machine
US20030120593A1 (en) 2001-08-15 2003-06-26 Visa U.S.A. Method and system for delivering multiple services electronically to customers via a centralized portal architecture
US7099850B1 (en) 2001-09-21 2006-08-29 Jpmorgan Chase Bank, N.A. Methods for providing cardless payment
US7103576B2 (en) 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US20030058261A1 (en) 2001-09-25 2003-03-27 Nagesh Challa Static display of a bar code on a display of a mobile communications device
US6775539B2 (en) 2001-09-28 2004-08-10 Intel Corporation Intelligent, non-intrusive, adaptive wireless discount coupon delivery system over GPRS
JP2003108777A (ja) 2001-09-28 2003-04-11 Glory Ltd 決済情報通知方法および装置並びに決済情報管理装置およびプログラム
US7257610B2 (en) 2001-10-17 2007-08-14 Microsoft Corporation Systems and methods for sending coordinated notifications
US7243853B1 (en) 2001-12-04 2007-07-17 Visa U.S.A. Inc. Method and system for facilitating memory and application management on a secured token
US20030230630A1 (en) 2001-12-20 2003-12-18 Whipple Larry Cale Using mobile electronic devices to transfer data through dynamically generated scannable barcode images
AU2003211085B2 (en) 2002-02-15 2008-06-12 Coinstar Asset Holdings, Llc Methods and systems for exchanging and/or transferring various forms of value
US7389275B2 (en) 2002-03-05 2008-06-17 Visa U.S.A. Inc. System for personal authorization control for card transactions
AU2002251458A1 (en) * 2002-04-03 2003-10-13 Amsoft Systems System and method for detecting card fraud
AU2002253450B2 (en) * 2002-04-16 2007-01-25 Ultra Proizvodnja Elektronskih Naprav D.O.O. Payment terminal device for payment data exchange
US20030212595A1 (en) 2002-05-10 2003-11-13 American Express Travel Related Services Company, Inc. Real-time promotion engine system and method
GB0211644D0 (en) 2002-05-21 2002-07-03 Wesby Philip B System and method for remote asset management
US7680688B2 (en) 2002-05-28 2010-03-16 American Express Travel Related Services Company, Inc. System and method for exchanging loyalty points for acquisitions
US7693783B2 (en) 2002-06-12 2010-04-06 Cardinalcommerce Corporation Universal merchant platform for payment authentication
US7356516B2 (en) 2002-06-13 2008-04-08 Visa U.S.A. Inc. Method and system for facilitating electronic dispute resolution
JP2004030271A (ja) 2002-06-26 2004-01-29 Matsushita Electric Ind Co Ltd 決済情報通知サービスサーバ及び決済情報通知方法
JP2005533316A (ja) 2002-07-12 2005-11-04 エクスファンド，インコーポレイテッド インタラクティブ電子商取引及びメッセージ交換システム
US20040019522A1 (en) 2002-07-26 2004-01-29 Visa U.S.A., Inc. Multi-application smart card device software solution integrating sales tax, payment and discount rewards
US7370278B2 (en) * 2002-08-19 2008-05-06 At&T Delaware Intellectual Property, Inc. Redirection of user-initiated distinctive presence alert messages
US7280981B2 (en) * 2002-08-27 2007-10-09 Visa U.S.A. Inc. Method and system for facilitating payment transactions using access devices
US8626577B2 (en) * 2002-09-13 2014-01-07 Visa U.S.A Network centric loyalty system
US6837425B2 (en) 2002-09-13 2005-01-04 Visa U.S.A. Inc. Compact protocol and solution for substantially offline messaging between portable consumer device and based device
US7121456B2 (en) 2002-09-13 2006-10-17 Visa U.S.A. Inc. Method and system for managing token image replacement
US9852437B2 (en) * 2002-09-13 2017-12-26 Visa U.S.A. Inc. Opt-in/opt-out in loyalty system
US20040148224A1 (en) 2002-09-13 2004-07-29 Visa U.S.A. Method and apparatus for electronic support and delivery of multiple lottery and sweepstake programs, in substantially off-line environments
US20040054575A1 (en) * 2002-09-13 2004-03-18 Robert Marshall System, method and apparatus for distributing and redeeming customer selected coupons
US8015060B2 (en) * 2002-09-13 2011-09-06 Visa Usa, Inc. Method and system for managing limited use coupon and coupon prioritization
PT1543456E (pt) 2002-09-17 2007-10-02 Mobiqa Ltd Mensagems optimizadas contendo informação em códigos de barras para dispositivos de recepção móveis
US20040139021A1 (en) 2002-10-07 2004-07-15 Visa International Service Association Method and system for facilitating data access and management on a secure token
US20040139016A1 (en) 2002-11-01 2004-07-15 Modasolutions Corporation Internet payment systerm and method
US6920611B1 (en) 2002-11-25 2005-07-19 Visa U.S.A., Inc. Method and system for implementing a loyalty merchant component
JP3892437B2 (ja) * 2002-12-20 2007-03-14 株式会社大和証券グループ本社 金融情報通知システム、方法及びプログラム、情報処理システム及び方法
US6990330B2 (en) 2003-01-09 2006-01-24 Qualcomm Incorporated Method and apparatus providing user with account balance notification of prepaid wireless packet data services
US20040158534A1 (en) 2003-02-24 2004-08-12 Zahir Azami Bahram Seyed System facilitating a purchase transaction over a wireless network
HUP0300496A2 (hu) 2003-02-26 2004-11-29 Steven Anderson Időazonos mobiltelefonos rendszer és eljárás távfizetési és hitelnyújtási tranzakciókhoz
US7440771B2 (en) 2003-02-28 2008-10-21 American Express Travel Related Services Company, Inc. Transaction card providing displayed information
JP2004295750A (ja) * 2003-03-28 2004-10-21 Bank Of Tokyo-Mitsubishi Ltd カード利用通知方法及びカード利用通知システム
US7702916B2 (en) 2003-03-31 2010-04-20 Visa U.S.A. Inc. Method and system for secure authentication
GB2400196A (en) * 2003-04-02 2004-10-06 Nec Technologies Restricting access to a mobile phone, laptop etc. using an authorization procedure involving a separate transceiver
US20040199470A1 (en) 2003-04-02 2004-10-07 Byte Mage, L.L.C. Electronic transaction notification system and method
WO2005006111A2 (en) 2003-04-29 2005-01-20 Visa U. S. A. Inc. Method and system for facilitating switching of financial institution accounts
US7827077B2 (en) 2003-05-02 2010-11-02 Visa U.S.A. Inc. Method and apparatus for management of electronic receipts on portable devices
US20040243519A1 (en) 2003-06-02 2004-12-02 Nokia Corporation Prompted electronic mobile-service information communications with validation
WO2005003924A2 (en) 2003-07-02 2005-01-13 Visa International Service Association Managing activation of cardholders in a secure authentication program
US7104446B2 (en) 2003-09-03 2006-09-12 Visa U.S.A., Inc. Method, system and portable consumer device using wildcard values
US7051923B2 (en) 2003-09-12 2006-05-30 Visa U.S.A., Inc. Method and system for providing interactive cardholder rewards image replacement
US8407083B2 (en) 2003-09-30 2013-03-26 Visa U.S.A., Inc. Method and system for managing reward reversal after posting
US20050071227A1 (en) 2003-09-30 2005-03-31 Visa U.S.A. Method and system for managing concurrent sku-based rewards program
US8005763B2 (en) * 2003-09-30 2011-08-23 Visa U.S.A. Inc. Method and system for providing a distributed adaptive rules based dynamic pricing system
US8260661B2 (en) * 2003-09-30 2012-09-04 Visa U.S.A. Inc. System and apparatus for linking multiple rewards programs to promote the purchase of specific product mixes
US20050071226A1 (en) 2003-09-30 2005-03-31 Visa U.S.A. Inc. Method and system for managing dynamic terms and conditions and user interaction
US20050075958A1 (en) 2003-10-01 2005-04-07 Edwin Gonzalez Cellular phone financial device
US20040107283A1 (en) 2003-10-06 2004-06-03 Trilibis Inc. System and method for the aggregation and matching of personal information
JP2005122505A (ja) * 2003-10-17 2005-05-12 Connect Technologies Corp 利用可能金額表現装置
US7653602B2 (en) 2003-11-06 2010-01-26 Visa U.S.A. Inc. Centralized electronic commerce card transactions
US7039611B2 (en) 2003-11-06 2006-05-02 Visa U.S.A., Inc. Managing attempts to initiate authentication of electronic commerce card transactions
US20050102233A1 (en) 2003-11-06 2005-05-12 Sharp Laboratories Of America, Inc. Associating mobile phone to vending machine via bar-code encoded data, CCD camera and internet connection
WO2005052869A1 (fr) 2003-11-25 2005-06-09 France Telecom Procede et systeme de paiement electronique de biens ou services distribues par un automate avec conciliation asynchrone
US20050177510A1 (en) 2004-02-09 2005-08-11 Visa International Service Association, A Delaware Corporation Buyer initiated payment
US7708190B2 (en) * 2004-03-10 2010-05-04 At&T Intellectual Property I, L.P. Multiple options to decline authorization of payment card charges
JP4305847B2 (ja) 2004-03-26 2009-07-29 富士通株式会社 店舗決済方法、システム及びプログラム
US8606697B2 (en) 2004-06-17 2013-12-10 Visa International Service Association Method and system for providing buyer bank payable discounting services
KR100930457B1 (ko) * 2004-08-25 2009-12-08 에스케이 텔레콤주식회사 이동통신단말을 이용한 인증 및 결제 시스템과 방법
AU2004100722B4 (en) 2004-08-31 2005-11-24 Markets-Alert Pty Ltd A Security System
US7958030B2 (en) 2004-09-01 2011-06-07 Visa U.S.A. Inc. System and method for issuer originated payments for on-line banking bill payments
JP2006093912A (ja) 2004-09-22 2006-04-06 Casio Hitachi Mobile Communications Co Ltd 携帯電話装置およびプログラム
JP2006119794A (ja) * 2004-10-20 2006-05-11 Nihon Unica Corp クーポンサービスシステム
US7711639B2 (en) 2005-01-12 2010-05-04 Visa International Pre-funding system and method
US20060178957A1 (en) 2005-01-18 2006-08-10 Visa U.S.A. Commercial market determination and forecasting system and method
US7124937B2 (en) 2005-01-21 2006-10-24 Visa U.S.A. Inc. Wireless payment methods and systems
CN1652130A (zh) 2005-02-25 2005-08-10 侯万春 一种基于移动电话号码的智能钱包及其实现的装置和方法
US8473334B2 (en) 2005-03-10 2013-06-25 Sony Corporation System and method for issuing and redeeming incentives on electronic data cards
US7357310B2 (en) 2005-03-11 2008-04-15 Gerry Calabrese Mobile phone charge card notification and authorization method
US20060218086A1 (en) 2005-03-24 2006-09-28 Heather Campbell Payee aliasing
US20060224449A1 (en) 2005-04-05 2006-10-05 First Data Corporation Integrating transaction features into a POS system
US7698185B2 (en) 2005-04-28 2010-04-13 Loylogic, Inc. Methods and systems for generating dynamic reward currency values
US7533047B2 (en) * 2005-05-03 2009-05-12 International Business Machines Corporation Method and system for securing card payment transactions using a mobile communication device
US7848977B2 (en) 2005-05-09 2010-12-07 First Data Corporation Private label purchase card acceptance systems and methods
US20140304155A9 (en) 2005-05-24 2014-10-09 T. Clay Wilkes Transaction alert messages associated with financial transactions
US8430300B2 (en) 2005-05-26 2013-04-30 Codebroker, Llc Using validity events to control the use of coupons containing barcodes in mobile devices that display the barcodes for reading by barcode readers
US7848765B2 (en) 2005-05-27 2010-12-07 Where, Inc. Location-based services
US7343149B2 (en) * 2005-06-13 2008-03-11 Lucent Technologies Inc. Network support for credit card notification
US7290704B1 (en) 2005-06-21 2007-11-06 Robert Ball Method and system relating to a multi-lateral trade engine for payment transactions
US7482925B2 (en) 2005-06-24 2009-01-27 Visa U.S.A. Apparatus and method to electromagnetically shield portable consumer devices
US7522905B2 (en) 2005-06-24 2009-04-21 Visa U.S.A. Inc. Apparatus and method for preventing wireless interrogation of portable consumer devices
US7694287B2 (en) 2005-06-29 2010-04-06 Visa U.S.A. Schema-based dynamic parse/build engine for parsing multi-format messages
US7774402B2 (en) 2005-06-29 2010-08-10 Visa U.S.A. Adaptive gateway for switching transactions and data on unreliable networks using context-based rules
US8762263B2 (en) * 2005-09-06 2014-06-24 Visa U.S.A. Inc. System and method for secured account numbers in proximity devices
US20070055597A1 (en) * 2005-09-08 2007-03-08 Visa U.S.A. Method and system for manipulating purchase information
US7635083B2 (en) 2005-09-20 2009-12-22 American Express Travel Related Services Company, Inc. System and method for utilizing a mobile device to obtain a balance on a financial transaction instrument
US20070083465A1 (en) * 2005-10-07 2007-04-12 Visa U.S.A., Inc. Method and system using bill payment reminders
US7844490B2 (en) 2005-11-02 2010-11-30 Visa U.S.A. Inc. Method and system for conducting promotional programs
US7886969B2 (en) 2005-12-06 2011-02-15 Visa U.S.A. Inc. Method and system for loading and reloading portable consumer devices
US8662384B2 (en) 2006-02-28 2014-03-04 Google Inc. Text message payment
US20070244811A1 (en) 2006-03-30 2007-10-18 Obopay Inc. Mobile Client Application for Mobile Payments
US20080120182A1 (en) 2006-05-16 2008-05-22 Visa International Service Association Methods and systems for providing personalized information
US7711783B1 (en) * 2006-06-16 2010-05-04 Oracle America, Inc. Generic event notification service for resource-constrained devices
US8027667B2 (en) * 2006-06-29 2011-09-27 Mobilesphere Holdings LLC System and method for wireless coupon transactions
US8489067B2 (en) * 2006-07-06 2013-07-16 Qualcomm Incorporated Methods and systems for distribution of a mobile wallet for a mobile device
US20080006685A1 (en) 2006-07-06 2008-01-10 Firethorn Holdings, Llc Methods and Systems For Real Time Account Balances in a Mobile Environment
US9911114B2 (en) 2006-07-06 2018-03-06 Qualcomm Incorporated Methods and systems for making a payment via a stored value card in a mobile environment
US7748618B2 (en) * 2006-08-21 2010-07-06 Verizon Patent And Licensing Inc. Secure near field transaction
US20080133366A1 (en) 2006-11-30 2008-06-05 Mobilocity Rendering barcodes on mobile device screens for use at retailer point of sale locations to obtain discounts
CN101647040A (zh) 2006-12-26 2010-02-10 维萨美国股份有限公司 使用别名的移动支付系统和方法
US20080154735A1 (en) 2006-12-26 2008-06-26 Mark Carlson Mobile vending purchasing
US8615426B2 (en) 2006-12-26 2013-12-24 Visa U.S.A. Inc. Coupon offers from multiple entities
US7848980B2 (en) 2006-12-26 2010-12-07 Visa U.S.A. Inc. Mobile payment system and method using alias
US9940627B2 (en) 2006-12-26 2018-04-10 Visa U.S.A. Inc. Mobile coupon method and system
US20080201226A1 (en) 2006-12-26 2008-08-21 Mark Carlson Mobile coupon method and portable consumer device for utilizing same
US20080208762A1 (en) 2007-02-22 2008-08-28 First Data Corporation Payments using a mobile commerce device
US20080300973A1 (en) 2007-05-30 2008-12-04 Dewitt Jay Allen Supply of requested offer based on offeree transaction history
US20080319843A1 (en) 2007-06-22 2008-12-25 Dennis Norman Moser Supply of requested offer based on point-of-service to offeree distance
US20090076925A1 (en) * 2007-09-13 2009-03-19 Dewitt Jay Allen Offeree requested offer based on point-of-service to offeree distance
US20090076896A1 (en) 2007-09-13 2009-03-19 Dewitt Jay Allen Merchant supplied offer to a consumer within a predetermined distance
US8215560B2 (en) * 2007-09-26 2012-07-10 Visa U.S.A., Inc. Real-time card balance on card plastic
US8170527B2 (en) 2007-09-26 2012-05-01 Visa U.S.A. Inc. Real-time balance on a mobile phone
US20090094126A1 (en) * 2007-10-03 2009-04-09 Patrick Killian Dual use point of sale terminal and methods of operating same
US20090119170A1 (en) 2007-10-25 2009-05-07 Ayman Hammad Portable consumer device including data bearing medium including risk based benefits
US8249967B2 (en) 2008-01-10 2012-08-21 Park David S Image-based payment medium
US8308059B2 (en) 2008-06-19 2012-11-13 Visa U.S.A., Inc. Real-time card credit limit on card plastic
US9542687B2 (en) 2008-06-26 2017-01-10 Visa International Service Association Systems and methods for visual representation of offers
US9596359B2 (en) * 2008-06-26 2017-03-14 Visa International Service Association Mobile communication device configured for transit application
US8478692B2 (en) 2008-06-26 2013-07-02 Visa International Service Association Systems and methods for geographic location notifications of payment transactions
US8127999B2 (en) 2008-08-14 2012-03-06 Visa U.S.A. Inc. Wireless mobile communicator for contactless payment on account read from removable card
JP2010116306A (ja) 2008-11-14 2010-05-27 Nippon Electric Glass Co Ltd 照明用ガラス組成物及び蛍光ランプ用外套容器

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103020820A (zh) * 2011-09-20 2013-04-03 深圳市财付通科技有限公司 一种交易支付方法和系统
CN104395919A (zh) * 2012-04-11 2015-03-04 微系统英国有限公司 输送产品的设备
CN104395919B (zh) * 2012-04-11 2017-09-12 微系统英国有限公司 输送产品的设备
CN103034548A (zh) * 2012-11-29 2013-04-10 广东全通教育股份有限公司 一种基于规则匹配的智能计费校验方法和系统
CN103034548B (zh) * 2012-11-29 2016-01-20 广东全通教育股份有限公司 一种基于规则匹配的智能计费校验方法和系统
CN106255982A (zh) * 2013-12-05 2016-12-21 阿莫斯·阿克曼 用于监视来自信用清算设备的金融交易的系统及其方法

Also Published As

Publication number Publication date
JP2010515169A (ja) 2010-05-06
AU2007339987A1 (en) 2008-07-10
AU2007339976B2 (en) 2012-05-31
AU2007339930B2 (en) 2012-05-24
CN101657784A (zh) 2010-02-24
EP2104915A1 (en) 2009-09-30
EP2104916A4 (en) 2012-07-11
WO2008083078A3 (en) 2008-08-21
CN101647039A (zh) 2010-02-10
JP2010515168A (ja) 2010-05-06
CN101595491A (zh) 2009-12-02
AU2007339976A1 (en) 2008-07-10
WO2008083089A1 (en) 2008-07-10
CN101647038A (zh) 2010-02-10
BRPI0720676A2 (pt) 2014-02-04
CA2674074A1 (en) 2008-07-10
KR20090096533A (ko) 2009-09-10
AU2007339930A1 (en) 2008-07-10
AU2007339987B2 (en) 2012-05-24
CN101647040A (zh) 2010-02-10
US8645971B2 (en) 2014-02-04
JP2010515166A (ja) 2010-05-06
WO2008083078A2 (en) 2008-07-10
EP2104915A4 (en) 2012-01-18
CA2673986A1 (en) 2008-07-10
US20080163257A1 (en) 2008-07-03
CA2674077A1 (en) 2008-07-10
BRPI0720659A2 (pt) 2014-01-07
JP5303471B2 (ja) 2013-10-02
WO2008083119A1 (en) 2008-07-10
US20080183480A1 (en) 2008-07-31
KR20090104069A (ko) 2009-10-05
EP2104916A1 (en) 2009-09-30

Similar Documents

Publication Publication Date Title
CN101601064A (zh) 定制的支付交易通知
US10380571B2 (en) Merchant alert based system and method including customer presence notification
US8478232B2 (en) Prepaid text messaging service
US8005737B2 (en) Restricting access to compromised account information
US8989712B2 (en) Mobile phone payment process including threshold indicator
US11250442B2 (en) Contact alert system and method
CN102687165A (zh) 用于处理支付交易收据的系统和方法
US20070094113A1 (en) Transactional mobile system
WO2010129254A2 (en) System and method including indirect approval
CN102483821A (zh) 安全警报系统以及方法
CN101657836A (zh) 包括阈值指示符的移动电话支付过程
WO2007004794A1 (en) Offer method of total finance service in ubiquitous environment and system for the same
JP2006227943A (ja) カード不正使用の検出および対応システム、カード不正使用の検出および対応プログラム、カード不正使用の検出および対応方法
KR20120118775A (ko) 현금영수증 발급 시스템 및 그를 이용하는 가계부 시스템

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
C12 Rejection of a patent application after its publication
RJ01 Rejection of invention patent application after publication

Application publication date: 20091209