WO2008083119A1 - Real-time balance updates - Google Patents

Real-time balance updates Download PDF

Info

Publication number
WO2008083119A1
WO2008083119A1 PCT/US2007/088704 US2007088704W WO2008083119A1 WO 2008083119 A1 WO2008083119 A1 WO 2008083119A1 US 2007088704 W US2007088704 W US 2007088704W WO 2008083119 A1 WO2008083119 A1 WO 2008083119A1
Authority
WO
WIPO (PCT)
Prior art keywords
notification
consumer
dynamic data
triggered
portable consumer
Prior art date
Application number
PCT/US2007/088704
Other languages
French (fr)
Inventor
Mark Carlson
Ayman Hammad
Patrick Faith
Original Assignee
Visa U.S.A. 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 U.S.A. Inc. filed Critical Visa U.S.A. Inc.
Priority to JP2009544238A priority Critical patent/JP2010515169A/en
Priority to BRPI0720659-3A priority patent/BRPI0720659A2/en
Priority to EP07869831A priority patent/EP2104916A4/en
Priority to AU2007339930A priority patent/AU2007339930B2/en
Priority to CA002674077A priority patent/CA2674077A1/en
Publication of WO2008083119A1 publication Critical patent/WO2008083119A1/en

Links

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

Definitions

  • Some prior systems send consumers notices regarding current transactions. For example, an issuer may notify a consumer when their credit card is being used to make a large purchase. These prior systems often rely on contact information in the account information to notify the consumer. If, for example, only the consumer's home address is on file, the notice may not get to the consumer until well after the transaction has been completed.
  • Consumers with prepaid cards may want to know the balance left on their prepaid cards before a transaction or as soon as a transaction is completed. For example, a consumer may want to know whether they can afford to purchase a product with the prepaid card before they check out or even before they go to the store.
  • a consumer contacts the issuer of their prepaid card such as a bank to determine their current balance on the prepaid card.
  • a prepaid card e.g. gift card may not be associated with an account with an issuer such as those cards purchased at retail stores. The consumer may not easily be able to get their current balance.
  • Embodiments of the present disclosure address these and other problems, individually and collectively.
  • Embodiments of the invention relate to automatic notifications, methods of providing and requesting automatic notifications, and systems that provide automatic notifications.
  • Embodiments of the invention address the above-noted problems by providing methods and systems of providing notifications with dynamic data to the consumer.
  • Dynamic data refers to information that reflects all transactions on a portable consumer device made through the time a notification is triggered.
  • An example of dynamic data is a real-time updated account balance.
  • Examples of dynamic data include real-time updated account balance and a real-time updated rewards information associated with an account on a portable consumer device.
  • a notification with dynamic data is sent to the notification device e.g. cellular phone.
  • the notification can be triggered on a periodic basis or when the consumer uses their portable consumer device to make a transaction.
  • the notification can also be triggered when the consumer requests the dynamic data.
  • consumer could request dynamic data by placing their portable consumer device next to their notification device so that a transmitter in the portable consumer device sends a request to a receiver in the notification device.
  • the consumer could also request the dynamic data by selecting a programmed key on their notification device. Dynamic data is then delivered to the notification device and provided to the consumer if the consumer is enrolled to receive the notification.
  • An embodiment of the invention is directed to a method that retrieves when a notification with dynamic data is triggered.
  • the dynamic data is associated with an account associated with a portable consumer device associated with a consumer.
  • the method also automatically sends the notification to the notification device, wherein the notification with dynamic data is provided to the consumer.
  • Another embodiment of the invention is directed to a method that triggers a notification with dynamic data using a notification device.
  • the dynamic data is associated with an account on a portable consumer device associated with a consumer.
  • the method also receives the notification on the notification device.
  • Another embodiment of the invention is directed to a system that includes a payment processing network for generating and storing dynamic data and a notification server coupled to the payment processing network.
  • the notification server is configured to retrieve the dynamic data from the payment processing network when a notification with dynamic data is triggered.
  • the dynamic data is associated with an account associated with a portable consumer device associated with a consumer.
  • the notification server is also configured to automatically send the notification with the dynamic data to the notification device, wherein the notification with dynamic data is provided to consumer.
  • Another embodiment of the invention is directed to a phone having a processor, a receiver coupled to the processor, an output device coupled to the processor, and a computer readable medium coupled to the processor.
  • the computer readable medium includes code for displaying a notification including dynamic data to the output device after a portable consumer device is used by a consumer.
  • FIG. 1 is a block diagram illustrating a dynamic data notification system, in accordance with an embodiment of the invention.
  • FIG. 2 is a flow chart illustrating a method of providing dynamic data notifications, in accordance with an embodiment of the invention.
  • FIG. 3 is a schematic drawing of a cellular phone displaying a real-time balance update, in accordance with an embodiment of the invention.
  • Embodiments of the invention are directed to a method of providing notifications with dynamic data, a method of requesting notifications with dynamic data, and a dynamic data notification system. More specifically, a notification with dynamic data is triggered when the consumer requests the notification or when the consumer uses the portable consumer device. The consumer can also have notifications automatically sent to the notification device on a periodic basis. Once the notification is triggered, dynamic data is retrieved and delivered to the notification device if the consumer is enrolled to receive the notification.
  • Certain embodiments of the invention may provide one or more technical advantages to issuers and consumers.
  • One technical advantage to a consumer may be knowing their current balance or rewards available on their card without having to contact the issuer which could save time and could save the consumer money.
  • Another technical advantage to a consumer may be that the consumer can request the current balance left on their card so that they can determine whether they have sufficient funds or credit to make a purchase or complete a transaction.
  • a technical advantage to an issuer may be that automatic notifications are sent to consumers and issuer does not have to provide notifications by other means.
  • FIG. 1 is a block diagram illustrating a dynamic data notification system 10, in accordance with an embodiment of the invention.
  • Dynamic data notification system 10 includes a consumer 20, a portable consumer device 30, a merchant 40, an acquirer 50, a payment processing network 60, an issuer 70, a notification device 80, an aggregator 90, an enrollment and notification module 100, and a computer 190.
  • a consumer 20, one portable device 30, one merchant 40, one acquirer 50, one issuer 70, one notification device 80, and one computer 190 are shown, there may be any suitable number of any of these entities in dynamic data notification system 10.
  • Dynamic data notification system 10 includes a consumer 20 in operative communication with portable consumer device 30. Dynamic data notification system 10 also includes a merchant 40 having an access device 42 for interacting with portable consumer device 30 and an acquirer 50 associated with merchant 40. Acquirer 50 is in communication with issuer 70 through payment processing network 60.
  • Dynamic data notification system 10 also includes a notification device 80 in operative communication with consumer 20 for displaying notifications to consumer 20 and for receiving request or instructions for notifications from consumer 20.
  • Notification device 80 is also in communication with portable consumer device 30 for receiving a request for a notification from consumer 20.
  • Dynamic data notification system 10 also includes an enrollment and notification module 100 for processing notifications and an aggregator 90 for collecting and forwarding notifications from enrollment and notification module 100 to notification device 80.
  • Dynamic data notification system 10 also includes a computer 190 in communication with enrollment notification module 100 and consumer 20. Consumer can use computer 190 to receive notifications and to enroll in notifications.
  • Dynamic data notification system 10 also includes a payment processing network 60 that is in communication with enrollment and notification module 100, with acquirer 50, and with issuer 70.
  • Consumer 20 refers to an individual or organization such as a business that is capable of purchasing goods or services or making any suitable transaction with merchant 40.
  • Portable consumer device 30 refers to any suitable device that allows the transaction to be conducted with merchant 40.
  • Portable consumer device 30 may be in any suitable form.
  • suitable portable consumer devices 30 can be hand-held and compact so that they can fit into a consumer's wallet and/or pocket (e.g., pocket-sized). They may include smart cards, magnetic stripe cards, keychain devices (such as the SpeedpassTM commercially available from Exxon-Mobil Corp.), etc.
  • Other examples of portable consumer devices 30 include cellular phones, personal digital assistants (PDAs), pagers, payment cards, security cards, access cards, smart media, transponders, and the like.
  • portable consumer device 30 may be associated with an account of consumer 20 such as a bank account.
  • portable consumer device 30 includes a contactless transmitter 32 for sending wireless signals, a processor 34, and a computer readable medium (CRM) 36. These elements of portable consumer device 30 are in communication with each other.
  • Processor 34 e.g., a microprocessor
  • Processor 34 processes the functions of portable consumer device 30.
  • Contactless transmitter 32 refers to any suitable device for sending wireless signals with information stored in memory (e.g. CRM 36) on portable consumer device 30 to notification device 80.
  • Contactless transmitter 32 transmits signals using a near field communications (NFC) capability to send information from portable consumer device 30 to the contactless receiver 82 on notification device 82.
  • NFC capability is in accordance with a standardized protocol or data transfer mechanism (e.g., ISO 14443/NFC).
  • Some examples of NFC capability are radio-frequency identification (RFID), BluetoothTM, infra-red, and other suitable communications capability.
  • contactless transmitter 32 transmits information via a cellular network by means of an interface (not shown). The interface functions to permit exchange of data between the cellular network (not shown) and contactless transmitter 32.
  • CRM 36 may be on the body of portable consumer device 30.
  • the body may in the form of a plastic substrate, a housing, or other structure.
  • CRM 36 may be a memory that stores data and may be in any suitable form.
  • Exemplary CRM 36 may be in any suitable form including a magnetic stripe, a memory chip, etc.
  • portable consumer device 30 is in the form of a card, it may have an embossed region (ER) which is embossed with a PAN (primary account number).
  • ER embossed region
  • PAN primary account number
  • CRM 36 may electronically store the PAN as well as other data such as PIN data.
  • Merchant 40 refers to any suitable entity or entities that makes a transaction with consumer 20. Merchant 40 may use any suitable method to make the transaction. For example, merchant 40 may use an e-commerce business to allow the transaction to be conducted by merchant 40 through the Internet. Other examples of merchant 40 include a department store, a gas station, a drug store, a grocery store, or other suitable business.
  • Access device 42 may be any suitable device for communicating with merchant 40 and for interacting with portable consumer device 30. Access device 42 can be in any suitable location such as at the same location as merchant 40. Access device 42 may be in any suitable form. Some examples of access devices 42 include POS devices, cellular phones, PDAs, personal computers (PCs), tablet PCs, handheld specialized readers, set-top boxes, electronic cash registers (ECRs), automated teller machines (ATMs), virtual cash registers (VCRs), kiosks, security systems, access systems, websites, and the like. Access device 42 may use any suitable contact or contactless mode of operation to send or receive data from portable consumer devices 30.
  • ECRs electronic cash registers
  • ATMs automated teller machines
  • VCRs virtual cash registers
  • Access device 42 may use any suitable contact or contactless mode of operation to send or receive data from portable consumer devices 30.
  • access device 42 is a POS terminal
  • any suitable POS terminal may be used and may include a reader, a processor, and a computer readable medium.
  • Reader may include any suitable contact or contactless mode of operation.
  • exemplary card readers can include radio frequency (RF) antennas, optical scanners, bar code reader, magnetic stripe readers, etc. to interact with portable consumer device 30.
  • RF radio frequency
  • Acquirer 50 refers to any suitable entity that has an account with merchant 40.
  • issuer 70 may also be acquirer 50.
  • Issuer 70 refers to any suitable entity that may open and maintain an account associated with portable consumer device 30 for consumer 20. Some examples of issuers may be a bank, a business entity such as a retail store, or a governmental entity. In many cases, issuer 70 may also issue portable consumer device 30 associated with the account to consumer 20.
  • Payment processing network 60 refers to a network of suitable entities that have information related an account associated with portable consumer device 30. This information includes data associated with the account on portable consumer device 30 such as profile information, dynamic data, and other suitable information. Dynamic data refers to any suitable information that is updated to reflect the transactions made using portable consumer device 30.
  • payment processing network 60 may have or operate a server computer and may include a database.
  • the database may include any hardware, software, firmware, or combination of the preceding for storing and facilitating retrieval of information.
  • the database may use any of a variety of data structures, arrangements, and compilations to store and facilitate retrieval of information.
  • the server computer may be coupled to the database and may include any hardware, software, other logic, or combination of the preceding for servicing the requests from one or more client computers.
  • Server computer may use any of a variety of computing structures, arrangements, and compilations for servicing the requests from one or more client computers.
  • the server computer may be a powerful computer or cluster of computers.
  • the server computer can be a large mainframe, a minicomputer cluster, or a group of servers functioning as a unit.
  • the server computer may be a database server coupled to a Web server.
  • Server computer services the requests of one or more client computers.
  • Payment processing network 60 may include data processing subsystems, networks, and operations used to support and deliver authorization services, exception file services, and clearing and settlement services.
  • An exemplary payment processing network 60 may include VisaNetTM. Networks that include VisaNetTM are able to process credit card transactions, debit card transactions, and other types of commercial transactions.
  • VisaNetTM in particular, includes a VIP system (Visa Integrated Payments system) which processes authorization requests and a Base Il system which performs clearing and settlement services.
  • Payment processing network 60 may use any suitable wired or wireless network, including the Internet.
  • Notification device 80 refers to any suitable device for receiving notifications and for providing the notifications to consumer 20. Notifications refer to communications of dynamic data to consumer 20 on notification device 80. Notifications may be in any suitable form and may be delivered by any suitable method. Some examples of notifications includes a phone call, a voice message, a voicemail message, a short message service (SMS) message e.g. a text message, an instant messaging (IM) message, or an email message, or a periodically updated display on a device.
  • SMS short message service
  • IM instant messaging
  • An exemplary embodiment of a notification is a real-time balance update.
  • the real-time balance update is a communication to notify consumer 20 of the funds available (balance) on portable consumer device 30 after the last transaction is accounted for.
  • Another embodiment of a notification is realtime rewards information update that is a communication to notify consumer 20 of rewards available for redemption after the last transaction.
  • Dynamic data refers to any suitable information that reflects all transactions on a portable consumer device 30 made through the time a notification of the dynamic data is triggered. Dynamic data relates to an account associated with a portable consumer device 30 associated with consumer 20.
  • dynamic data can be account balances such as credit card account balances, stored value account balances, rewards balances, checking account balances, savings account balances, investment account balances, brokerage account balances, and other suitable account balances.
  • Notification device 80 may be in any suitable form.
  • suitable notification devices 80 can be hand-held and compact so that they can fit into a consumer's wallet and/or pocket (e.g., pocket-sized).
  • notification device 80 includes desktop or laptop computers, cellular phones (e.g., as shown in FIG. 3), personal digital assistants (PDAs), pagers, payment cards, security cards, access cards, smart media, transponders, and the like.
  • PDAs personal digital assistants
  • pagers payment cards
  • security cards access cards
  • smart media smart media
  • transponders and the like.
  • notification device 80 and portable consumer device 30 are embodied in the same device.
  • Notification device 80 includes a contactless receiver 82 for receiving wireless signals, a processor 84 coupled to the receiver 82, and a computer readable medium (CRM) 36 coupled to processor 84.
  • notification device 80 may also include one or more input devices (e.g., keypads) or output devices (e.g., displays, speakers) coupled to processor 84.
  • Contactless receiver 82 refers to any suitable device for receiving wireless signals. The signals are received by contactless receiver 82 by any suitable method (e.g., using NFC capability). In one example, contactless receiver 82 receives a wireless signal with a request for a notification from contactless transmitter 32 of portable consumer device 30.
  • contactless receiver 82 receives a wireless signal with a notification(s) from aggregator 90 via a cellular network.
  • Processor 84 e.g., a microprocessor
  • CRM 86 comprises code for processing requests for notifications, for receiving notifications, and for providing notifications to consumer 20.
  • An example of code for providing notifications to consumer 20 includes code for displaying notifications including dynamic data to an output device.
  • Consumer 20 uses computer 190 to receive notifications and/or enroll in a program to receive notifications.
  • Computer 190 can be a desktop computer, a laptop computer, a cellular or mobile phone, a personal digital assistant (PDA), or other suitable device.
  • PDA personal digital assistant
  • Enrollment and notification module 100 comprises a notification enrollment server 105, a notification enrollment application server 110, a database server 120, a notification database 130, a notification server 150 having a dynamic balance module 160 and a dynamic rewards module 170, and a gateway 140.
  • Notification enrollment server 105 in communication with a notification enrollment application server 110 which is in communication with database server 120 for storing and retrieving information to and from notification database 130.
  • Database server 120 is also in communication with notification server 150.
  • Notification server 150 is also in communication with gateway 140, dynamic balance module 160, and dynamic rewards module 170.
  • enrollment and notification module 100 is shown as being separate from issuer 70, enrollment and notification module 100 can be at issuer 70 in some embodiments. In these embodiments, issuer 70 processes the notifications sent to notification device 80.
  • Notification enrollment server 105 refers to a device that receives enrollment information from consumer 20 via computer 190 and sends the enrollment information to notification enrollment application server 110.
  • Notification enrollment application server 110 receives the enrollment information from consumer 20 through notification enrollment server 105 or from issuer 70 and may store the enrollment information in notification database 130.
  • Notification database 130 may receive and store new or updated enrollment information and other account information.
  • Enrollment information includes trigger information that describes the occurrences that must take place to trigger notifications and the types of dynamic data that consumer 20 wants to receive in the notifications. Consumer 20 may define the trigger information when enrolling in a program to receive notifications.
  • notifications are triggered by actions taken by consumer 20 or another suitable entity.
  • a notification may be triggered by using of portable consumer device 30 at access device 42 by consumer 20 or by merchant 40.
  • a notification may be triggered by the sending of a request by consumer 20 for a notification using portable consumer device 30, notification device 80, computer 190, or other suitable device.
  • a notification may be triggered by placing portable consumer device 30 near notification device 80 so that a signal with a request for a notification is transmitted from contactless transmitter 32 on portable consumer device 30 to contactless receiver 82 on notification device 80.
  • a notification may be triggered by the completion of a transaction on an account associated with portable consumer device 30.
  • periodic notifications may be triggered by the termination a time period defined by consumer 20. Examples of a time period include a week, a day, and an hour. For example, if consumer 20 selects the time period of a day, daily notifications will be sent to notification device 80. Typically, daily notifications would be sent at approximately the same time every day.
  • Notification server 150 includes dynamic balance module 160 for processing notifications with dynamic balances and dynamic rewards module 170 for processing notifications with dynamic rewards information.
  • Notification server 150 processes notifications with dynamic data and sends the notifications through gateway 140 to aggregator 90. If the dynamic data is a dynamic balance, dynamic balance module 160 processes the notification. If the dynamic data is dynamic rewards, dynamic rewards module 170 processes the notification. Gateway 140 is a any suitable device that converts information from the protocol or format used in enrollment and notification module 100 to those used in aggregator 90. Aggregator 90 refers to any suitable entity or device that receives notifications, collects the notifications, and transmits the notifications to notification device 80 for consumer 20. In some cases, aggregator 90 may be a wireless telephone company.
  • Notification server 150 is triggered to send a notification with dynamic data and processes the notification.
  • Notification server 150 retrieves enrollment information with trigger information from notification database 130 using database server 120.
  • Notification server 150 confirms that consumer 20 is enrolled to receive the notification triggered based on the trigger information.
  • Notification server 150 retrieves the dynamic data from issuer 70 or other suitable entity and sends the notification with the dynamic data through gateway 140 to aggregator 90.
  • Aggregator 90 collects notifications according to enrollment information and forwards the notifications to notification device 80. If the notification triggered is associated with dynamic balance data, dynamic balance module 160 processes the notification. If the notification triggered is associated with dynamic rewards data, dynamic rewards module 170 processes the notification.
  • consumer 20 enrolls in a program using computer 190 to receive notifications on their notification device 80 (e.g. a cellular phone) in the form of text or voice messages. Consumer 20 enrolls to receive notifications with the dynamic balance on the account associated with their portable consumer device 30 (e.g. a prepaid or gift card). Consumer 20 specifies that the notification will be sent every time portable consumer device 30 interacts with access device 42.
  • their notification device 80 e.g. a cellular phone
  • portable consumer device 30 e.g. a prepaid or gift card
  • consumer 20 uses portable consumer device 30 at access device 42 to purchase goods or services from merchant 40.
  • a consumer may use a gift card with $50 to buy a $25 game cartridge at a toy store using a POS (point of sale) terminal at the toy store.
  • the consumer may swipe the gift card through a slot in the POS terminal and the POS terminal may read data including an account number from the gift card.
  • An authorization request message is then forwarded to acquirer 50 and acquirer 50 forwards the message through payment processing network 60 to issuer 70.
  • Using portable consumer device 30 at access device 42 triggers notification server 150 to send a notification.
  • Issuer 70 determines whether or not to authorize the transaction.
  • the transaction may be authorized if there are sufficient funds, and may be declined if there are insufficient funds.
  • An authorization response message is then sent back through payment processing network 60 to acquirer 50 who forwards it to merchant 40.
  • a normal clearing and settlement process can be conducted by payment processing network 60.
  • a clearing process is a process of exchanging financial details between and acquirer and an issuer to facilitate posting to a consumer's account and reconciliation of the consumer's settlement position.
  • the notification triggered is associated with a dynamic balance and dynamic balance module 160 processes the notification.
  • Dynamic balance module 160 is triggered to send a notification when consumer used portable consumer device 30.
  • dynamic balance module 160 may receive information that the previously described and registered gift card has been used to purchase a $25 game cartridge.
  • Dynamic balance module 160 retrieves enrollment information with trigger information from notification database 130 using database server 120. Dynamic balance module 160 uses the trigger information to confirm that consumer 20 wants to receive the notification that has been triggered. Dynamic balance module 160 also determines from the trigger information that consumer 20 wants to receive the triggered notification in the form of a text message. Dynamic balance module 160 retrieves the dynamic balance on the account associated with portable consumer device 30. For example, the module 160 may determine that there is the balance on the gift card is $25. The dynamic balance will reflect the last transaction authorized including the transaction associated with the action of using portable consumer device 30 that triggered the notification. Dynamic balance module 160 sends a text message with the dynamic balance to notification device 80.
  • the text message may indicate that the gift card now has a balance of $25 after buying the $25 game cartridge.
  • Notification device 80 provides the text message to consumer 10.
  • the consumer's phone may display the balance of $25 plus the account number associated with the gift card.
  • Consumer 20 may thereafter store this information in the notification device 80 for future use in determining how much money is left on the portable consumer device 30.
  • dynamic data notification system 10 may be integrated or separated according to particular needs. Moreover, the operations of dynamic data notification system 10 may be performed by more, fewer, or other system modules. Additionally, operations of dynamic data notification system 10 may be performed using any suitable logic comprising software, hardware, other logic, or any suitable combination of the preceding.
  • FIG. 2 is a flow chart illustrating a method of providing dynamic data notifications, in accordance with an embodiment of the invention.
  • Consumer 20 enrolls in a program using computer 190 to receive notifications on their portable consumer device 30 (step 200).
  • Computer 190 sends enrollment information from consumer 20 to notification enrollment server 105.
  • Notification enrollment server 105 sends the enrollment information to notification enrollment application server 110.
  • Notification enrollment application server 110 sends the enrollment information to database server 120 to store it in notification database 130.
  • a notification is triggered (step 210).
  • Notification server 150 detects that the notification has been triggered. Consumer 20 or other suitable entity triggers the notification.
  • consumer 20 or other suitable entity triggers a notification by using portable consumer device 30 at access device 42.
  • a notification is only triggered if the transaction is authorized and completed.
  • information indicating that a notification has been triggered is sent from access device 42 to acquirer 50 which forwards it to notification server 150 through payment processing network 60.
  • consumer 20 triggers a notification by requesting it on notification device 80 or computer 190 which forwards the request for a notification to notification server 150.
  • consumer 20 may request a notification by selecting a programmed button on their cellular phone. The cellular phone sends the request to notification server 150.
  • consumer 20 triggers a notification by placing portable consumer device 30 next to notification device 80.
  • a signal with a request for a notification is emitted from contactless transmitter 32 in portable consumer device 30 and received by contactless receiver 82 on notification device 80.
  • Notification device 80 forwards the request to notification server 150.
  • a notification is triggered automatically on a periodic basis by notification server 150.
  • the notification is triggered at the end of the time period although any time during that time period can be used.
  • Consumer 20 selects the time period such as daily, hourly, or weekly. For example, consumer 20 can select daily notifications sent at 12:00 a.m.
  • consumer 20 enrolls in a program using computer 190 to receive notifications on their notification device 80 e.g. cellular phone in the form of email messages. Consumer 20 enrolls to receive notifications with the dynamic balance on the account on their portable consumer device 30 e.g. a prepaid card. Consumer 20 specifies that the notification will be sent every time portable consumer device 30 interacts with access device 42.
  • Notification server 150 retrieves enrollment information (step 220) retrieved from notification database 130 using database server 120. The enrollment information is associated with an account on portable consumer device 30. In embodiments where consumer 20 requested the notification, notification server 150 may skip retrieving the enrollment information and checking enrollment for the notification (steps 220 and 230) and go to retrieving dynamic data (step 240).
  • Notification server 150 analyzes trigger information in the enrollment information to determine whether consumer 20 is enrolled to receive the notification that has been triggered (step 230). If consumer 20 is not enrolled for the notification, the method ends (step 270) and a notification is not sent to consumer 20.
  • notification server 150 retrieves the dynamic data (step 240). Notification server 150 generates a notification with the dynamic data and sends it to aggregator 90 through gateway 140. Aggregator 90 forwards the notification to notification device 160 for delivery to consumer 20 (step 250). Notification device 80 provides the notification to consumer 20 (step 260).
  • the notification may be shown to consumer 20 on a screen on notification device 80.
  • the display of the notification may be a text message displayed on a screen or other suitable display until consumer 20 turns off the display.
  • the notification may be displayed for a predetermined period of time.
  • the notification may be sent to consumer in the form of a voice message or voicemail message to consumer 20.
  • the notification may be an automated voice announcement that is sent to the notification device 20.
  • FIG. 3 is a schematic drawing of a cellular phone displaying a real-time balance update, in accordance with an embodiment of the invention.
  • Notification device 80 includes a display 320 for displaying information such as notifications with dynamic data, buttons 330 for inputting information such as requests for notifications, a speaker (not shown) to send aural signals to consumer 20, and a microphone (not shown) to receive aural signals from consumer 20.
  • Display 320 includes a dynamic data display 322 for displaying the notification of the updated dynamic data consumer 20.
  • dynamic data display 322 is showing the real-time balance update on the account associated with portable consumer device 30.
  • Dynamic data can be updated at any suitable time. Some examples of when the dynamic data is updated include when consumer requests the dynamic data, when consumer 20 uses portable consumer device 30, or periodically.
  • Buttons 330 include a balance request button 334 for requesting a real-time balance update and a rewards request button 336 for requesting a real-time rewards information update.
  • Display 320 also includes a balance request button indicator 324 indicating that selecting balance request button 334 will request a real-time balance update.
  • Display 320 also includes a rewards request button indicator 326 indicating that selecting rewards request button 336 will request a real-time rewards information update.
  • consumer 20 selects balance request button 334 to display real-time balance update on dynamic data display 322.
  • the request is forwarded to notification server 150.
  • Notification server 150 retrieves the real-time balance from issuer 70 or other suitable entity over payment processing network 60.
  • Notification server 150 sends the real-time balance update to notification device 80 and notification device 80 displays the update to consumer 20.
  • notification device 80 may be integrated into the same device.
  • the components of notification device 80 may be integrated or separated according to particular needs.
  • the operations of notification device 80 may be performed by more, fewer, or other modules.
  • operations of notification device 80 may be performed using any suitable logic comprising software, hardware, other logic, or any suitable combination of the preceding.
  • any of the software components or functions described in this application may be implemented as software code to be executed by a processor using any suitable computer language such as, for example, Java, C++ or Perl using, for example, conventional or object-oriented techniques.
  • the software code may be stored as a series of instructions, or commands on a computer readable medium, such as a random access memory (RAM), a read only memory (ROM), a magnetic medium such as a hard-drive or a floppy disk, or an optical medium such as a CD- ROM.
  • RAM random access memory
  • ROM read only memory
  • magnetic medium such as a hard-drive or a floppy disk
  • optical medium such as a CD- ROM.
  • Any such computer readable medium may reside on or within a single computational apparatus, and may be present on or within different computational apparatuses within a system or network.

Abstract

A method and a system that receive retrieve dynamic data when a notification with dynamic data is triggered. The dynamic data is associated with an account that is associated with a portable consumer device associated with a consumer. The method and system automatically send the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.

Description

REAL-TIME BALANCE UPDATES
CROSS-REFERENCES TO RELATED APPLICATIONS
[0001] This is a non-provisional patent application of and claims the benefit of the filing date of U.S. Provisional Patent Application No. 60/871 ,898 filed on December 26, 2006. This application is herein incorporated by reference in its entirety for all purposes.
BACKGROUND
[0002] Some prior systems send consumers notices regarding current transactions. For example, an issuer may notify a consumer when their credit card is being used to make a large purchase. These prior systems often rely on contact information in the account information to notify the consumer. If, for example, only the consumer's home address is on file, the notice may not get to the consumer until well after the transaction has been completed.
[0003] Consumers with prepaid cards may want to know the balance left on their prepaid cards before a transaction or as soon as a transaction is completed. For example, a consumer may want to know whether they can afford to purchase a product with the prepaid card before they check out or even before they go to the store. Typically, a consumer contacts the issuer of their prepaid card such as a bank to determine their current balance on the prepaid card. In some cases, however, a prepaid card e.g. gift card may not be associated with an account with an issuer such as those cards purchased at retail stores. The consumer may not easily be able to get their current balance.
[0004] Embodiments of the present disclosure address these and other problems, individually and collectively.
SUMMARY OF THE INVENTION
[0005] Embodiments of the invention relate to automatic notifications, methods of providing and requesting automatic notifications, and systems that provide automatic notifications.
[0006] Embodiments of the invention address the above-noted problems by providing methods and systems of providing notifications with dynamic data to the consumer. Dynamic data refers to information that reflects all transactions on a portable consumer device made through the time a notification is triggered. An example of dynamic data is a real-time updated account balance. Examples of dynamic data include real-time updated account balance and a real-time updated rewards information associated with an account on a portable consumer device. When triggered, a notification with dynamic data is sent to the notification device e.g. cellular phone. The notification can be triggered on a periodic basis or when the consumer uses their portable consumer device to make a transaction. The notification can also be triggered when the consumer requests the dynamic data. For example, consumer could request dynamic data by placing their portable consumer device next to their notification device so that a transmitter in the portable consumer device sends a request to a receiver in the notification device. The consumer could also request the dynamic data by selecting a programmed key on their notification device. Dynamic data is then delivered to the notification device and provided to the consumer if the consumer is enrolled to receive the notification.
[0007] An embodiment of the invention is directed to a method that retrieves when a notification with dynamic data is triggered. The dynamic data is associated with an account associated with a portable consumer device associated with a consumer. The method also automatically sends the notification to the notification device, wherein the notification with dynamic data is provided to the consumer.
[0008] Another embodiment of the invention is directed to a method that triggers a notification with dynamic data using a notification device. The dynamic data is associated with an account on a portable consumer device associated with a consumer. The method also receives the notification on the notification device.
[0009] Another embodiment of the invention is directed to a system that includes a payment processing network for generating and storing dynamic data and a notification server coupled to the payment processing network. The notification server is configured to retrieve the dynamic data from the payment processing network when a notification with dynamic data is triggered. The dynamic data is associated with an account associated with a portable consumer device associated with a consumer. The notification server is also configured to automatically send the notification with the dynamic data to the notification device, wherein the notification with dynamic data is provided to consumer.
[0010] Another embodiment of the invention is directed to a phone having a processor, a receiver coupled to the processor, an output device coupled to the processor, and a computer readable medium coupled to the processor. The computer readable medium includes code for displaying a notification including dynamic data to the output device after a portable consumer device is used by a consumer.
[0011] These and other embodiments of the invention are described in further detail below.
BRIEF DESCRIPTION OF THE DRAWINGS
[0012] FIG. 1 is a block diagram illustrating a dynamic data notification system, in accordance with an embodiment of the invention.
[0013] FIG. 2 is a flow chart illustrating a method of providing dynamic data notifications, in accordance with an embodiment of the invention.
[0014] FIG. 3 is a schematic drawing of a cellular phone displaying a real-time balance update, in accordance with an embodiment of the invention.
DETAILED DESCRIPTION
[0015] Embodiments of the invention are directed to a method of providing notifications with dynamic data, a method of requesting notifications with dynamic data, and a dynamic data notification system. More specifically, a notification with dynamic data is triggered when the consumer requests the notification or when the consumer uses the portable consumer device. The consumer can also have notifications automatically sent to the notification device on a periodic basis. Once the notification is triggered, dynamic data is retrieved and delivered to the notification device if the consumer is enrolled to receive the notification.
[0016] Certain embodiments of the invention may provide one or more technical advantages to issuers and consumers. One technical advantage to a consumer may be knowing their current balance or rewards available on their card without having to contact the issuer which could save time and could save the consumer money. Another technical advantage to a consumer may be that the consumer can request the current balance left on their card so that they can determine whether they have sufficient funds or credit to make a purchase or complete a transaction. A technical advantage to an issuer may be that automatic notifications are sent to consumers and issuer does not have to provide notifications by other means.
[0017] Certain embodiments of the invention may include none, some, or all of the above technical advantages. One or more other technical advantages may be readily apparent to one skilled in the art from the figures, descriptions, and claims included herein.
[0018] FIG. 1 is a block diagram illustrating a dynamic data notification system 10, in accordance with an embodiment of the invention. Dynamic data notification system 10 includes a consumer 20, a portable consumer device 30, a merchant 40, an acquirer 50, a payment processing network 60, an issuer 70, a notification device 80, an aggregator 90, an enrollment and notification module 100, and a computer 190. Although one consumer 20, one portable device 30, one merchant 40, one acquirer 50, one issuer 70, one notification device 80, and one computer 190 are shown, there may be any suitable number of any of these entities in dynamic data notification system 10.
[0019] Dynamic data notification system 10 includes a consumer 20 in operative communication with portable consumer device 30. Dynamic data notification system 10 also includes a merchant 40 having an access device 42 for interacting with portable consumer device 30 and an acquirer 50 associated with merchant 40. Acquirer 50 is in communication with issuer 70 through payment processing network 60.
[0020] Dynamic data notification system 10 also includes a notification device 80 in operative communication with consumer 20 for displaying notifications to consumer 20 and for receiving request or instructions for notifications from consumer 20. Notification device 80 is also in communication with portable consumer device 30 for receiving a request for a notification from consumer 20.
[0021] Dynamic data notification system 10 also includes an enrollment and notification module 100 for processing notifications and an aggregator 90 for collecting and forwarding notifications from enrollment and notification module 100 to notification device 80. Dynamic data notification system 10 also includes a computer 190 in communication with enrollment notification module 100 and consumer 20. Consumer can use computer 190 to receive notifications and to enroll in notifications. Dynamic data notification system 10 also includes a payment processing network 60 that is in communication with enrollment and notification module 100, with acquirer 50, and with issuer 70.
[0022] Consumer 20 refers to an individual or organization such as a business that is capable of purchasing goods or services or making any suitable transaction with merchant 40.
[0023] Portable consumer device 30 refers to any suitable device that allows the transaction to be conducted with merchant 40. Portable consumer device 30 may be in any suitable form. For example, suitable portable consumer devices 30 can be hand-held and compact so that they can fit into a consumer's wallet and/or pocket (e.g., pocket-sized). They may include smart cards, magnetic stripe cards, keychain devices (such as the Speedpass™ commercially available from Exxon-Mobil Corp.), etc. Other examples of portable consumer devices 30 include cellular phones, personal digital assistants (PDAs), pagers, payment cards, security cards, access cards, smart media, transponders, and the like. In some cases, portable consumer device 30 may be associated with an account of consumer 20 such as a bank account.
[0024] In the illustrated example, portable consumer device 30 includes a contactless transmitter 32 for sending wireless signals, a processor 34, and a computer readable medium (CRM) 36. These elements of portable consumer device 30 are in communication with each other. Processor 34 (e.g., a microprocessor) processes the functions of portable consumer device 30.
[0025] Contactless transmitter 32 refers to any suitable device for sending wireless signals with information stored in memory (e.g. CRM 36) on portable consumer device 30 to notification device 80. Contactless transmitter 32 transmits signals using a near field communications (NFC) capability to send information from portable consumer device 30 to the contactless receiver 82 on notification device 82. Typically, NFC capability is in accordance with a standardized protocol or data transfer mechanism (e.g., ISO 14443/NFC). Some examples of NFC capability are radio-frequency identification (RFID), Bluetooth™, infra-red, and other suitable communications capability. In other embodiments, contactless transmitter 32 transmits information via a cellular network by means of an interface (not shown). The interface functions to permit exchange of data between the cellular network (not shown) and contactless transmitter 32.
[0026] CRM 36 may be on the body of portable consumer device 30. The body may in the form of a plastic substrate, a housing, or other structure. CRM 36 may be a memory that stores data and may be in any suitable form. Exemplary CRM 36 may be in any suitable form including a magnetic stripe, a memory chip, etc. If portable consumer device 30 is in the form of a card, it may have an embossed region (ER) which is embossed with a PAN (primary account number). CRM 36 may electronically store the PAN as well as other data such as PIN data.
[0027] Merchant 40 refers to any suitable entity or entities that makes a transaction with consumer 20. Merchant 40 may use any suitable method to make the transaction. For example, merchant 40 may use an e-commerce business to allow the transaction to be conducted by merchant 40 through the Internet. Other examples of merchant 40 include a department store, a gas station, a drug store, a grocery store, or other suitable business.
[0028] Access device 42 may be any suitable device for communicating with merchant 40 and for interacting with portable consumer device 30. Access device 42 can be in any suitable location such as at the same location as merchant 40. Access device 42 may be in any suitable form. Some examples of access devices 42 include POS devices, cellular phones, PDAs, personal computers (PCs), tablet PCs, handheld specialized readers, set-top boxes, electronic cash registers (ECRs), automated teller machines (ATMs), virtual cash registers (VCRs), kiosks, security systems, access systems, websites, and the like. Access device 42 may use any suitable contact or contactless mode of operation to send or receive data from portable consumer devices 30.
[0029] If access device 42 is a POS terminal, any suitable POS terminal may be used and may include a reader, a processor, and a computer readable medium. Reader may include any suitable contact or contactless mode of operation. For example, exemplary card readers can include radio frequency (RF) antennas, optical scanners, bar code reader, magnetic stripe readers, etc. to interact with portable consumer device 30.
[0030] Acquirer 50 refers to any suitable entity that has an account with merchant 40. In some embodiments, issuer 70 may also be acquirer 50.
[0031] Issuer 70 refers to any suitable entity that may open and maintain an account associated with portable consumer device 30 for consumer 20. Some examples of issuers may be a bank, a business entity such as a retail store, or a governmental entity. In many cases, issuer 70 may also issue portable consumer device 30 associated with the account to consumer 20.
[0032] Payment processing network 60 refers to a network of suitable entities that have information related an account associated with portable consumer device 30. This information includes data associated with the account on portable consumer device 30 such as profile information, dynamic data, and other suitable information. Dynamic data refers to any suitable information that is updated to reflect the transactions made using portable consumer device 30.
[0033] Although not shown in the illustrated embodiment, payment processing network 60 may have or operate a server computer and may include a database. The database may include any hardware, software, firmware, or combination of the preceding for storing and facilitating retrieval of information. Also, the database may use any of a variety of data structures, arrangements, and compilations to store and facilitate retrieval of information. The server computer may be coupled to the database and may include any hardware, software, other logic, or combination of the preceding for servicing the requests from one or more client computers. Server computer may use any of a variety of computing structures, arrangements, and compilations for servicing the requests from one or more client computers. In one embodiment, the server computer may be a powerful computer or cluster of computers. For example, the server computer can be a large mainframe, a minicomputer cluster, or a group of servers functioning as a unit. In one example, the server computer may be a database server coupled to a Web server. Server computer services the requests of one or more client computers. [0034] Payment processing network 60 may include data processing subsystems, networks, and operations used to support and deliver authorization services, exception file services, and clearing and settlement services. An exemplary payment processing network 60 may include VisaNet™. Networks that include VisaNet™ are able to process credit card transactions, debit card transactions, and other types of commercial transactions. VisaNet™, in particular, includes a VIP system (Visa Integrated Payments system) which processes authorization requests and a Base Il system which performs clearing and settlement services. Payment processing network 60 may use any suitable wired or wireless network, including the Internet.
[0035] Notification device 80 refers to any suitable device for receiving notifications and for providing the notifications to consumer 20. Notifications refer to communications of dynamic data to consumer 20 on notification device 80. Notifications may be in any suitable form and may be delivered by any suitable method. Some examples of notifications includes a phone call, a voice message, a voicemail message, a short message service (SMS) message e.g. a text message, an instant messaging (IM) message, or an email message, or a periodically updated display on a device. An exemplary embodiment of a notification is a real-time balance update. The real-time balance update is a communication to notify consumer 20 of the funds available (balance) on portable consumer device 30 after the last transaction is accounted for. Another embodiment of a notification is realtime rewards information update that is a communication to notify consumer 20 of rewards available for redemption after the last transaction.
[0036] Dynamic data refers to any suitable information that reflects all transactions on a portable consumer device 30 made through the time a notification of the dynamic data is triggered. Dynamic data relates to an account associated with a portable consumer device 30 associated with consumer 20. For example, dynamic data can be account balances such as credit card account balances, stored value account balances, rewards balances, checking account balances, savings account balances, investment account balances, brokerage account balances, and other suitable account balances. [0037] Notification device 80 may be in any suitable form. For example, suitable notification devices 80 can be hand-held and compact so that they can fit into a consumer's wallet and/or pocket (e.g., pocket-sized). Some examples of notification device 80 include desktop or laptop computers, cellular phones (e.g., as shown in FIG. 3), personal digital assistants (PDAs), pagers, payment cards, security cards, access cards, smart media, transponders, and the like. In some embodiments, notification device 80 and portable consumer device 30 are embodied in the same device.
[0038] Notification device 80 includes a contactless receiver 82 for receiving wireless signals, a processor 84 coupled to the receiver 82, and a computer readable medium (CRM) 36 coupled to processor 84. Although not shown, notification device 80 may also include one or more input devices (e.g., keypads) or output devices (e.g., displays, speakers) coupled to processor 84. Contactless receiver 82 refers to any suitable device for receiving wireless signals. The signals are received by contactless receiver 82 by any suitable method (e.g., using NFC capability). In one example, contactless receiver 82 receives a wireless signal with a request for a notification from contactless transmitter 32 of portable consumer device 30. In another example, contactless receiver 82 receives a wireless signal with a notification(s) from aggregator 90 via a cellular network. Processor 84 (e.g., a microprocessor) processes the functions of notification device 80. CRM 86 comprises code for processing requests for notifications, for receiving notifications, and for providing notifications to consumer 20. An example of code for providing notifications to consumer 20 includes code for displaying notifications including dynamic data to an output device.
[0039] Consumer 20 uses computer 190 to receive notifications and/or enroll in a program to receive notifications. Computer 190 can be a desktop computer, a laptop computer, a cellular or mobile phone, a personal digital assistant (PDA), or other suitable device.
[0040] Enrollment and notification module 100 comprises a notification enrollment server 105, a notification enrollment application server 110, a database server 120, a notification database 130, a notification server 150 having a dynamic balance module 160 and a dynamic rewards module 170, and a gateway 140. Notification enrollment server 105 in communication with a notification enrollment application server 110 which is in communication with database server 120 for storing and retrieving information to and from notification database 130. Database server 120 is also in communication with notification server 150. Notification server 150 is also in communication with gateway 140, dynamic balance module 160, and dynamic rewards module 170. Although enrollment and notification module 100 is shown as being separate from issuer 70, enrollment and notification module 100 can be at issuer 70 in some embodiments. In these embodiments, issuer 70 processes the notifications sent to notification device 80.
[0041] Notification enrollment server 105 refers to a device that receives enrollment information from consumer 20 via computer 190 and sends the enrollment information to notification enrollment application server 110. Notification enrollment application server 110 receives the enrollment information from consumer 20 through notification enrollment server 105 or from issuer 70 and may store the enrollment information in notification database 130. Notification database 130 may receive and store new or updated enrollment information and other account information.
[0042] Enrollment information includes trigger information that describes the occurrences that must take place to trigger notifications and the types of dynamic data that consumer 20 wants to receive in the notifications. Consumer 20 may define the trigger information when enrolling in a program to receive notifications.
[0043] In some cases, notifications are triggered by actions taken by consumer 20 or another suitable entity. For example, a notification may be triggered by using of portable consumer device 30 at access device 42 by consumer 20 or by merchant 40. In another example, a notification may be triggered by the sending of a request by consumer 20 for a notification using portable consumer device 30, notification device 80, computer 190, or other suitable device. In yet another example, a notification may be triggered by placing portable consumer device 30 near notification device 80 so that a signal with a request for a notification is transmitted from contactless transmitter 32 on portable consumer device 30 to contactless receiver 82 on notification device 80. In another example, a notification may be triggered by the completion of a transaction on an account associated with portable consumer device 30. In other cases, periodic notifications may be triggered by the termination a time period defined by consumer 20. Examples of a time period include a week, a day, and an hour. For example, if consumer 20 selects the time period of a day, daily notifications will be sent to notification device 80. Typically, daily notifications would be sent at approximately the same time every day.
[0044] Notification server 150 includes dynamic balance module 160 for processing notifications with dynamic balances and dynamic rewards module 170 for processing notifications with dynamic rewards information.
[0045] Notification server 150 processes notifications with dynamic data and sends the notifications through gateway 140 to aggregator 90. If the dynamic data is a dynamic balance, dynamic balance module 160 processes the notification. If the dynamic data is dynamic rewards, dynamic rewards module 170 processes the notification. Gateway 140 is a any suitable device that converts information from the protocol or format used in enrollment and notification module 100 to those used in aggregator 90. Aggregator 90 refers to any suitable entity or device that receives notifications, collects the notifications, and transmits the notifications to notification device 80 for consumer 20. In some cases, aggregator 90 may be a wireless telephone company.
[0046] Notification server 150 is triggered to send a notification with dynamic data and processes the notification. Notification server 150 retrieves enrollment information with trigger information from notification database 130 using database server 120. Notification server 150 confirms that consumer 20 is enrolled to receive the notification triggered based on the trigger information. Notification server 150 retrieves the dynamic data from issuer 70 or other suitable entity and sends the notification with the dynamic data through gateway 140 to aggregator 90. Aggregator 90 collects notifications according to enrollment information and forwards the notifications to notification device 80. If the notification triggered is associated with dynamic balance data, dynamic balance module 160 processes the notification. If the notification triggered is associated with dynamic rewards data, dynamic rewards module 170 processes the notification.
[0047] In one example embodiment, consumer 20 enrolls in a program using computer 190 to receive notifications on their notification device 80 (e.g. a cellular phone) in the form of text or voice messages. Consumer 20 enrolls to receive notifications with the dynamic balance on the account associated with their portable consumer device 30 (e.g. a prepaid or gift card). Consumer 20 specifies that the notification will be sent every time portable consumer device 30 interacts with access device 42.
[0048] In a typical payment transaction, consumer 20 uses portable consumer device 30 at access device 42 to purchase goods or services from merchant 40. For example, a consumer may use a gift card with $50 to buy a $25 game cartridge at a toy store using a POS (point of sale) terminal at the toy store. The consumer may swipe the gift card through a slot in the POS terminal and the POS terminal may read data including an account number from the gift card.
[0049] An authorization request message is then forwarded to acquirer 50 and acquirer 50 forwards the message through payment processing network 60 to issuer 70. Using portable consumer device 30 at access device 42 triggers notification server 150 to send a notification.
[0050] Issuer 70 determines whether or not to authorize the transaction. The transaction may be authorized if there are sufficient funds, and may be declined if there are insufficient funds. An authorization response message is then sent back through payment processing network 60 to acquirer 50 who forwards it to merchant 40. At the end of the day, a normal clearing and settlement process can be conducted by payment processing network 60. A clearing process is a process of exchanging financial details between and acquirer and an issuer to facilitate posting to a consumer's account and reconciliation of the consumer's settlement position.
[0051] In this example, the notification triggered is associated with a dynamic balance and dynamic balance module 160 processes the notification. Dynamic balance module 160 is triggered to send a notification when consumer used portable consumer device 30. For example, dynamic balance module 160 may receive information that the previously described and registered gift card has been used to purchase a $25 game cartridge.
[0052] Dynamic balance module 160 retrieves enrollment information with trigger information from notification database 130 using database server 120. Dynamic balance module 160 uses the trigger information to confirm that consumer 20 wants to receive the notification that has been triggered. Dynamic balance module 160 also determines from the trigger information that consumer 20 wants to receive the triggered notification in the form of a text message. Dynamic balance module 160 retrieves the dynamic balance on the account associated with portable consumer device 30. For example, the module 160 may determine that there is the balance on the gift card is $25. The dynamic balance will reflect the last transaction authorized including the transaction associated with the action of using portable consumer device 30 that triggered the notification. Dynamic balance module 160 sends a text message with the dynamic balance to notification device 80. For example, the text message may indicate that the gift card now has a balance of $25 after buying the $25 game cartridge. Notification device 80 provides the text message to consumer 10. For example, the consumer's phone may display the balance of $25 plus the account number associated with the gift card. Consumer 20 may thereafter store this information in the notification device 80 for future use in determining how much money is left on the portable consumer device 30.
[0053] Modifications, additions, or omissions may be made to dynamic data notification system 10 without departing from the scope of the disclosure. The components of dynamic data notification system 10 may be integrated or separated according to particular needs. Moreover, the operations of dynamic data notification system 10 may be performed by more, fewer, or other system modules. Additionally, operations of dynamic data notification system 10 may be performed using any suitable logic comprising software, hardware, other logic, or any suitable combination of the preceding.
[0054] FIG. 2 is a flow chart illustrating a method of providing dynamic data notifications, in accordance with an embodiment of the invention.
[0055] Consumer 20 enrolls in a program using computer 190 to receive notifications on their portable consumer device 30 (step 200). Computer 190 sends enrollment information from consumer 20 to notification enrollment server 105. Notification enrollment server 105 sends the enrollment information to notification enrollment application server 110. Notification enrollment application server 110 sends the enrollment information to database server 120 to store it in notification database 130. [0056] A notification is triggered (step 210). Notification server 150 detects that the notification has been triggered. Consumer 20 or other suitable entity triggers the notification.
[0057] In one embodiment, consumer 20 or other suitable entity triggers a notification by using portable consumer device 30 at access device 42. In some cases, a notification is only triggered if the transaction is authorized and completed. When portable consumer device 30 is used, information indicating that a notification has been triggered is sent from access device 42 to acquirer 50 which forwards it to notification server 150 through payment processing network 60.
[0058] In another embodiment, consumer 20 triggers a notification by requesting it on notification device 80 or computer 190 which forwards the request for a notification to notification server 150. For example, consumer 20 may request a notification by selecting a programmed button on their cellular phone. The cellular phone sends the request to notification server 150.
[0059] In another embodiment, consumer 20 triggers a notification by placing portable consumer device 30 next to notification device 80. A signal with a request for a notification is emitted from contactless transmitter 32 in portable consumer device 30 and received by contactless receiver 82 on notification device 80. Notification device 80 forwards the request to notification server 150.
[0060] In yet another embodiment, a notification is triggered automatically on a periodic basis by notification server 150. Typically, the notification is triggered at the end of the time period although any time during that time period can be used. Consumer 20 selects the time period such as daily, hourly, or weekly. For example, consumer 20 can select daily notifications sent at 12:00 a.m.
[0061] In one example embodiment, consumer 20 enrolls in a program using computer 190 to receive notifications on their notification device 80 e.g. cellular phone in the form of email messages. Consumer 20 enrolls to receive notifications with the dynamic balance on the account on their portable consumer device 30 e.g. a prepaid card. Consumer 20 specifies that the notification will be sent every time portable consumer device 30 interacts with access device 42. [0062] Notification server 150 retrieves enrollment information (step 220) retrieved from notification database 130 using database server 120. The enrollment information is associated with an account on portable consumer device 30. In embodiments where consumer 20 requested the notification, notification server 150 may skip retrieving the enrollment information and checking enrollment for the notification (steps 220 and 230) and go to retrieving dynamic data (step 240).
[0063] Notification server 150 analyzes trigger information in the enrollment information to determine whether consumer 20 is enrolled to receive the notification that has been triggered (step 230). If consumer 20 is not enrolled for the notification, the method ends (step 270) and a notification is not sent to consumer 20.
[0064] If consumer 20 is enrolled to receive the notification, notification server 150 retrieves the dynamic data (step 240). Notification server 150 generates a notification with the dynamic data and sends it to aggregator 90 through gateway 140. Aggregator 90 forwards the notification to notification device 160 for delivery to consumer 20 (step 250). Notification device 80 provides the notification to consumer 20 (step 260).
[0065] In one embodiment, the notification may be shown to consumer 20 on a screen on notification device 80. The display of the notification may be a text message displayed on a screen or other suitable display until consumer 20 turns off the display. In other cases, the notification may be displayed for a predetermined period of time.
[0066] In another embodiment, the notification may be sent to consumer in the form of a voice message or voicemail message to consumer 20. For example, the notification may be an automated voice announcement that is sent to the notification device 20.
[0067] After providing the notification, the method ends (step 270). Modifications, additions, or omissions may be made to the method without departing from the scope of the disclosure. The method may include more, fewer, or other steps. Additionally, steps may be performed in any suitable order without departing from the scope of the disclosure. [0068] FIG. 3 is a schematic drawing of a cellular phone displaying a real-time balance update, in accordance with an embodiment of the invention. Notification device 80 includes a display 320 for displaying information such as notifications with dynamic data, buttons 330 for inputting information such as requests for notifications, a speaker (not shown) to send aural signals to consumer 20, and a microphone (not shown) to receive aural signals from consumer 20.
[0069] Display 320 includes a dynamic data display 322 for displaying the notification of the updated dynamic data consumer 20. In the illustrated example, dynamic data display 322 is showing the real-time balance update on the account associated with portable consumer device 30. Dynamic data can be updated at any suitable time. Some examples of when the dynamic data is updated include when consumer requests the dynamic data, when consumer 20 uses portable consumer device 30, or periodically.
[0070] Buttons 330 include a balance request button 334 for requesting a real-time balance update and a rewards request button 336 for requesting a real-time rewards information update. Display 320 also includes a balance request button indicator 324 indicating that selecting balance request button 334 will request a real-time balance update. Display 320 also includes a rewards request button indicator 326 indicating that selecting rewards request button 336 will request a real-time rewards information update.
[0071] In operation, consumer 20 selects balance request button 334 to display real-time balance update on dynamic data display 322. The request is forwarded to notification server 150. Notification server 150 retrieves the real-time balance from issuer 70 or other suitable entity over payment processing network 60. Notification server 150 sends the real-time balance update to notification device 80 and notification device 80 displays the update to consumer 20.
[0072] Modifications, additions, or omissions may be made to notification device 80 without departing from the scope of the disclosure. For example, notification device 80 and portable consumer device 30 may be integrated into the same device. Also, the components of notification device 80 may be integrated or separated according to particular needs. Moreover, the operations of notification device 80 may be performed by more, fewer, or other modules. Additionally, operations of notification device 80 may be performed using any suitable logic comprising software, hardware, other logic, or any suitable combination of the preceding.
[0073] It should be understood that the present disclosure as described above can be implemented in the form of control logic using computer software in a modular or integrated manner. Based on the disclosure and teachings provided herein, a person of ordinary skill in the art will know and appreciate other ways and/or methods to implement the present disclosure using hardware and a combination of hardware and software.
[0074] Any of the software components or functions described in this application, may be implemented as software code to be executed by a processor using any suitable computer language such as, for example, Java, C++ or Perl using, for example, conventional or object-oriented techniques. The software code may be stored as a series of instructions, or commands on a computer readable medium, such as a random access memory (RAM), a read only memory (ROM), a magnetic medium such as a hard-drive or a floppy disk, or an optical medium such as a CD- ROM. Any such computer readable medium may reside on or within a single computational apparatus, and may be present on or within different computational apparatuses within a system or network.
[0075] A recitation of "a", "an" or "the" is intended to mean "one or more" unless specifically indicated to the contrary.
[0076] The above description is illustrative and is not restrictive. Many variations of the disclosure will become apparent to those skilled in the art upon review of the disclosure. The scope of the disclosure should, therefore, be determined not with reference to the above description, but instead should be determined with reference to the pending claims along with their full scope or equivalents.
[0077] One or more features from any embodiment may be combined with one or more features of any other embodiment without departing from the scope of the disclosure.

Claims

WHAT IS CLAIMED IS:
1. A method comprising: when a notification with dynamic data is triggered, retrieving the dynamic data associated with an account associated with a portable consumer device associated with a consumer; and automatically sending the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.
2. A method of Claim 1 , wherein the dynamic data is a real-time balance update.
3. A method of Claim 1 , wherein the dynamic data is a real-time rewards information update.
4. A method of Claim 1 , further comprising: retrieving enrollment information; and confirming that consumer is enrolled to receive the notification based on the enrollment information.
5. A method of Claim 1 , wherein the notification is triggered by a transaction being conducted using a portable consumer device associated with the consumer, and wherein the dynamic data is based on an amount of the transaction being conducted.
6. A method of Claim 1 , wherein the notification is triggered based on a time period predefined by the consumer, wherein automatically sending the notification to the notification device includes periodically sending the notification to the notification device based on the predefined time period.
7. A method of Claim 1 , wherein the notification is triggered by a request for the notification with dynamic data sent from the notification device.
8. A method of Claim 1 , wherein the notification is triggered by a signal sent from a contactless transmitter on portable consumer device to a contactless receiver on the notification device.
9. A method of Claim 1 , wherein the notification with dynamic data is provided to consumer on a display.
10. A method of Claim 1 , wherein the notification device is a phone, and wherein the notification sent to the notification device includes at least one of a phone call, voicemail, SMS, IM, or email.
11. A method comprising: triggering a notification with dynamic data using a notification device, the dynamic data associated with an account associated with a portable consumer device associated with a consumer; and receiving the notification on the notification device.
12. A system comprising: a payment processing network for generating and storing dynamic data; and a notification server coupled to the payment processing network, the notification server configured to: when a notification with dynamic data is triggered, retrieve the dynamic data from the payment processing network, the dynamic data associated with an account associated with a portable consumer device associated with a consumer; automatically send the notification with the dynamic data to the notification device, wherein the notification with dynamic data is provided to consumer.
13. The system of Claim 12, wherein the notification server is further configured to: retrieve enrollment information; and confirm that consumer is enrolled to receive the notification based on the enrollment information.
14. The system of Claim 12, wherein the notification is triggered by a transaction being conducted using a portable consumer device associated with the consumer, and wherein the dynamic data is based on an amount of the transaction being conducted.
15. The system of Claim 12, wherein the notification is triggered based on a time period predefined by the consumer, and wherein automatically sending the notification to the notification device includes periodically sending the notification to the notification device based on the predefined time period.
16. The system of Claim 12, wherein the notification is triggered by a request for the notification with dynamic data sent from the notification device.
17. The system of Claim 12, wherein the notification is triggered by a signal sent from a contactless transmitter on portable consumer device to a contactless receiver on the notification device.
18. A phone, comprising: a processor; a receiver coupled to the processor; an output device coupled to the processor; and a computer readable medium coupled to the processor, the computer readable medium includes code for displaying a notification including dynamic data to the output device after a portable consumer device is used by a consumer.
19. The phone of Claim 18, wherein the dynamic data is a balance associated with the portable consumer device.
20. The phone of Claim 18, wherein the portable consumer device is a prepaid card.
PCT/US2007/088704 2006-12-26 2007-12-21 Real-time balance updates WO2008083119A1 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
JP2009544238A JP2010515169A (en) 2006-12-26 2007-12-21 Real-time balance update
BRPI0720659-3A BRPI0720659A2 (en) 2006-12-26 2007-12-21 METHOD, SYSTEM, AND, PHONE.
EP07869831A EP2104916A4 (en) 2006-12-26 2007-12-21 Real-time balance updates
AU2007339930A AU2007339930B2 (en) 2006-12-26 2007-12-21 Real-time balance updates
CA002674077A CA2674077A1 (en) 2006-12-26 2007-12-21 Real-time balance updates

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
WO2008083119A1 true WO2008083119A1 (en) 2008-07-10

Family

ID=39585952

Family Applications (3)

Application Number Title Priority Date Filing Date
PCT/US2007/088704 WO2008083119A1 (en) 2006-12-26 2007-12-21 Real-time balance updates
PCT/US2007/088615 WO2008083089A1 (en) 2006-12-26 2007-12-21 Coupon offers from multiple entities
PCT/US2007/088563 WO2008083078A2 (en) 2006-12-26 2007-12-21 Customized payment transaction notification

Family Applications After (2)

Application Number Title Priority Date Filing Date
PCT/US2007/088615 WO2008083089A1 (en) 2006-12-26 2007-12-21 Coupon offers from multiple entities
PCT/US2007/088563 WO2008083078A2 (en) 2006-12-26 2007-12-21 Customized payment transaction notification

Country Status (9)

Country Link
US (2) US8645971B2 (en)
EP (2) EP2104916A4 (en)
JP (3) JP2010515169A (en)
KR (2) KR20090096533A (en)
CN (6) CN101647040A (en)
AU (3) AU2007339976B2 (en)
BR (2) BRPI0720676A2 (en)
CA (3) CA2674074A1 (en)
WO (3) WO2008083119A1 (en)

Cited By (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8856045B1 (en) 2013-12-18 2014-10-07 PayRange Inc. Mobile-device-to-machine payment systems
US9134994B2 (en) 2013-12-18 2015-09-15 PayRange Inc. Method and system for updating firmware using a mobile device as a communications bridge
US9262771B1 (en) 2015-01-30 2016-02-16 PayRange Inc. Method and system for providing offers for automated retail machines via mobile devices
USD755183S1 (en) 2013-12-18 2016-05-03 Payrange, Inc. In-line dongle
USD763888S1 (en) 2015-01-30 2016-08-16 PayRange Inc. Display screen or portion thereof with graphical user interface
USD763905S1 (en) 2015-01-30 2016-08-16 PayRange Inc. Display screen or portion thereof with animated graphical user interface
USD764532S1 (en) 2015-01-30 2016-08-23 PayRange Inc. Display screen or portion thereof with animated graphical user interface
USD773508S1 (en) 2015-01-30 2016-12-06 PayRange Inc. Display screen or portion thereof with a graphical user interface
US9659296B2 (en) 2013-12-18 2017-05-23 PayRange Inc. Method and system for presenting representations of payment accepting unit events
US9875473B2 (en) 2013-12-18 2018-01-23 PayRange Inc. Method and system for retrofitting an offline-payment operated machine to accept electronic payments
USD836118S1 (en) 2015-01-30 2018-12-18 Payrange, Inc. Display screen or portion thereof with an animated graphical user interface
USD862501S1 (en) 2015-01-30 2019-10-08 PayRange Inc. Display screen or portion thereof with a graphical user interface
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
US11359320B2 (en) 2010-06-01 2022-06-14 Albert Bruce Urquhart On-line pay-per-use system and method
US11475454B2 (en) 2013-12-18 2022-10-18 PayRange Inc. Intermediary communications over non-persistent network connections
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
US11935051B2 (en) 2013-12-18 2024-03-19 Payrange, Inc. Device and method for providing external access to multi-drop bus peripheral devices

Families Citing this family (211)

* 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
US9400589B1 (en) 2002-05-30 2016-07-26 Consumerinfo.Com, Inc. Circular rotational interface for display of consumer credit information
US9710852B1 (en) 2002-05-30 2017-07-18 Consumerinfo.Com, Inc. Credit report timeline user interface
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
CN101647040A (en) 2006-12-26 2010-02-10 维萨美国股份有限公司 Mobile payment system and method using alias
US8615426B2 (en) 2006-12-26 2013-12-24 Visa U.S.A. Inc. Coupon offers from multiple entities
US9940627B2 (en) 2006-12-26 2018-04-10 Visa U.S.A. Inc. Mobile coupon method and system
BRPI0806457A2 (en) 2007-01-09 2011-09-06 Visa Usa Inc Method mobile phone and system
US8837724B2 (en) 2007-03-27 2014-09-16 Qualcomm Incorporated Synchronization test for device authentication
US9483769B2 (en) 2007-06-20 2016-11-01 Qualcomm Incorporated Dynamic electronic coupon for a mobile environment
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
US8170527B2 (en) 2007-09-26 2012-05-01 Visa U.S.A. Inc. Real-time balance on a mobile phone
US20090112767A1 (en) 2007-10-25 2009-04-30 Ayman Hammad Escrow system and method
KR20090060771A (en) * 2007-12-10 2009-06-15 한국전자통신연구원 System and method for configuring environments of private system using the smart card in the public system
US9990674B1 (en) 2007-12-14 2018-06-05 Consumerinfo.Com, Inc. Card registry systems and methods
US8127986B1 (en) 2007-12-14 2012-03-06 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
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
US9542687B2 (en) 2008-06-26 2017-01-10 Visa International Service Association Systems and methods for visual representation of offers
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
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US8180702B2 (en) 2008-08-24 2012-05-15 Visa U.S.A. Inc. Transactional processing entity device support of an integrated offer network
WO2010027748A2 (en) * 2008-08-24 2010-03-11 Visa U.S.A. Inc. Issuer device support of an integrated offer network
US10706402B2 (en) 2008-09-22 2020-07-07 Visa International Service Association Over the air update of payment transaction data stored in secure memory
US8977567B2 (en) 2008-09-22 2015-03-10 Visa International Service Association Recordation of electronic payment transaction information
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
US20100138338A1 (en) * 2008-09-24 2010-06-03 Ayman Hammad Intelligent alert system and method
RU2011116158A (en) 2008-09-25 2012-10-27 Виза Интернэшнл Сервис Ассосиэйшн (Us) METHOD AND SYSTEM FOR SORTING WARNING MESSAGES AND OFFERS ON 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
US8019685B2 (en) * 2009-03-03 2011-09-13 Visa International Service Association System and method for account level blocking
US20110178929A1 (en) * 2009-03-03 2011-07-21 Paul Durkin Business-to-business transaction qualifier
US20100241535A1 (en) * 2009-03-19 2010-09-23 Brad Nightengale Account activity alert
US9710802B2 (en) * 2009-04-28 2017-07-18 Visa International Service Association Merchant competition alert
US20100274691A1 (en) * 2009-04-28 2010-10-28 Ayman Hammad Multi alerts based system
US20100274653A1 (en) 2009-04-28 2010-10-28 Ayman Hammad Notification social networking
US9449327B2 (en) 2009-04-28 2016-09-20 Visa International Service Association Merchant alert based system and method including customer presence notification
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 (en) * 2009-09-16 2014-07-02 セイコーエプソン株式会社 Receipt printer, receipt printer control method and program
US20110145082A1 (en) * 2009-12-16 2011-06-16 Ayman Hammad Merchant alerts incorporating receipt data
EP2523388A4 (en) * 2010-01-08 2014-01-29 Alcatel Lucent Method and device for notifying account information oriented to data-type terminal
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 (en) * 2010-03-11 2016-09-14 沃尔玛百货有限公司 The system and method paid for using mobile device to be traded
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
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
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
USD774526S1 (en) 2011-02-21 2016-12-20 Bank Of America Corporation Display screen with graphical user interface for funds transfer
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
US10542372B2 (en) 2011-03-15 2020-01-21 Qualcomm Incorporated User identification within a physical merchant location through the use of a wireless network
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 (en) * 2011-07-07 2013-01-16 Danal Taiwan Co Ltd Method and system for users to purchase applications or value-dded services by mobile devices
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
CN103020820A (en) * 2011-09-20 2013-04-03 深圳市财付通科技有限公司 Transaction payment method and system
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
GB2501087A (en) * 2012-04-11 2013-10-16 Micros Systems Uk Ltd Controlling the delivery of a product using a mobile communications device
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 (en) * 2012-09-10 2014-03-26 中国银联股份有限公司 System and method of coupon payment
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 (en) * 2012-09-29 2013-01-30 上海移远通信技术有限公司 Automatic vending machine, mobile terminal, server, automatic vending system and method
CA2890842A1 (en) * 2012-10-15 2014-04-24 Mobeam, Inc. User defined point-of-sale coupons and payments
US11080701B2 (en) 2015-07-02 2021-08-03 Royal Bank Of Canada Secure processing of electronic payments
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
CA2830260C (en) 2012-10-17 2021-10-12 Royal Bank Of Canada Virtualization and secure processing of data
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
CN103034548B (en) * 2012-11-29 2016-01-20 广东全通教育股份有限公司 A kind of smart charge method of calibration of rule-based coupling and system
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 (en) * 2013-01-29 2014-08-14 Ｌ＆Ｃ Ｉｎｔｅｒｎａｔｉｏｎａｌ株式会社 Settlement support device and settlement support program
US8972400B1 (en) 2013-03-11 2015-03-03 Consumerinfo.Com, Inc. Profile data management
US9870589B1 (en) 2013-03-14 2018-01-16 Consumerinfo.Com, Inc. Credit utilization tracking and reporting
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
US10664936B2 (en) 2013-03-15 2020-05-26 Csidentity Corporation Authentication systems and methods for on-demand products
US9633322B1 (en) 2013-03-15 2017-04-25 Consumerinfo.Com, Inc. Adjustment of knowledge-based authentication
KR20140120260A (en) * 2013-04-02 2014-10-13 배효환 Purchasing rewarding system and method thereof
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
WO2015026322A1 (en) * 2013-08-20 2015-02-26 Hewlett-Packard Development Company, L.P. 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 (en) * 2013-10-21 2014-02-26 金大甲 Electronic discount coupon transmission system and method
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
WO2015083159A1 (en) * 2013-12-05 2015-06-11 Amos Hacmun A system and methods thereof for monitoring financial transactions from a credit clearing device
CN114037442A (en) 2013-12-23 2022-02-11 华为技术有限公司 Transaction method, device and system based on electronic wallet
USD760256S1 (en) 2014-03-25 2016-06-28 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
USD759689S1 (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
US11615401B1 (en) 2014-04-30 2023-03-28 Wells Fargo Bank, N.A. Mobile wallet authentication systems and methods
US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11610197B1 (en) 2014-04-30 2023-03-21 Wells Fargo Bank, N.A. Mobile wallet rewards redemption systems and methods
US10997592B1 (en) 2014-04-30 2021-05-04 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US9652770B1 (en) 2014-04-30 2017-05-16 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
US11574300B1 (en) 2014-04-30 2023-02-07 Wells Fargo Bank, N.A. Mobile wallet systems and methods using trace identifier using card networks
US20150324875A1 (en) * 2014-05-08 2015-11-12 Kenneth C. Miller 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
CN111695892B (en) * 2014-06-26 2023-12-29 帕罗西亚科技股份有限公司 Method and system for effecting payment
CN104217323B (en) * 2014-06-27 2018-05-01 武汉理工大学 A kind of electric paying method at the depopulated zone scenic spot based on RDSS and NFC
CA2954261A1 (en) * 2014-07-06 2016-01-14 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
EP3248159A4 (en) * 2015-01-19 2018-08-01 Royal Bank Of Canada Secure processing of electronic payments
US11354651B2 (en) 2015-01-19 2022-06-07 Royal Bank Of Canada System and method for location-based token transaction processing
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 (en) * 2015-10-09 2017-04-19 美的集团股份有限公司 Bank-card preferential information pushing method and apparatus thereof
CN105590236A (en) * 2015-11-18 2016-05-18 中国银联股份有限公司 Additional information real-time generation and distribution system
CN105678589A (en) * 2016-01-20 2016-06-15 青岛海信智能商用系统有限公司 POS terminal and sale promotion method and system based on POS terminal
WO2017175338A1 (en) * 2016-04-06 2017-10-12 ブレイニー株式会社 Electronic settlement system
US10943251B2 (en) * 2016-04-06 2021-03-09 Mastercard International Incorporated Method and system for real-time rebate application
CN107403329A (en) * 2016-05-18 2017-11-28 苏宁云商集团股份有限公司 A kind of business voucher collocation method and device
US10129126B2 (en) 2016-06-08 2018-11-13 Bank Of America Corporation System for predictive usage of resources
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
US10291487B2 (en) 2016-06-08 2019-05-14 Bank Of America Corporation System for predictive acquisition and use of resources
US10178101B2 (en) 2016-06-08 2019-01-08 Bank Of America Corporation System for creation of alternative path to resource acquisition
CN106056763A (en) * 2016-06-14 2016-10-26 重庆盛学科技有限公司 Full automatic intelligent steaming and vending machine
WO2017218485A1 (en) * 2016-06-15 2017-12-21 Mastercard International Incorporated Systems and methods for bridging transactions between eft payment networks and payment card networks
CN106134163B (en) * 2016-06-22 2018-06-12 北京小米移动软件有限公司 Method for information display, information-pushing method, apparatus and system
US11468414B1 (en) 2016-10-03 2022-10-11 Wells Fargo Bank, N.A. Systems and methods for establishing a pull payment relationship
CN108074114B (en) * 2016-11-09 2022-02-01 阿里巴巴集团控股有限公司 Method and device for providing virtual resource object
US10699272B2 (en) 2016-11-11 2020-06-30 Visa International Service Association Customized content integration in mobile device application
US11507935B1 (en) 2017-02-14 2022-11-22 Wells Fargo Bank, N.A. Mobile wallet card control
JP2018200535A (en) * 2017-05-26 2018-12-20 株式会社ジェーシービー Watching system
CN108460625A (en) * 2018-02-07 2018-08-28 安徽星网软件技术有限公司 A kind of discount coupon granting and exchange check and management system
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
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
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
US10911234B2 (en) 2018-06-22 2021-02-02 Experian Information Solutions, Inc. System and method for a token gateway environment
US10880313B2 (en) 2018-09-05 2020-12-29 Consumerinfo.Com, Inc. Database platform for realtime updating of user data from third party sources
CN109345389A (en) * 2018-09-25 2019-02-15 阿里巴巴集团控股有限公司 A kind of resource sharing method, device and equipment
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
US20220086136A1 (en) * 2019-03-06 2022-03-17 Sanofi A communications server and user device for validating a token
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 (en) * 2019-09-25 2021-03-25 Method and system for personalized notification of electronic payments, in particular via payment cards.
CN111400664A (en) * 2020-03-18 2020-07-10 成都理工大学 L BS-based mobile oriented coupon marketing model construction method

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050035847A1 (en) * 2001-07-10 2005-02-17 American Express Travel Related Services Company, Inc. Systems and methods for providing a rf transaction device for use in a private label transaction
US20060053056A1 (en) * 2001-03-29 2006-03-09 American Express Marketing & Development Corporati Card member discount system and method
US20060248007A1 (en) * 2005-04-28 2006-11-02 Dominic Hofer Methods and systems for generating dynamic reward currency values

Family Cites Families (300)

* 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
US4868376A (en) 1987-05-15 1989-09-19 Smartcard International Inc. Intelligent portable interactive personal data system
EP0291834B1 (en) 1987-05-15 1993-03-17 Oki Electric Industry Company, Limited Ic cards and information storage circuit therefor
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
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
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
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
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
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
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
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
US5579537A (en) 1993-04-08 1996-11-26 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
AU7512194A (en) * 1993-10-26 1995-05-22 Radisson Hotels International, Inc. System and method for awarding credits to persons who book travel-related reservations
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 (en) 1994-05-19 2000-10-04 黄金富 Anti-theft security method for non-cash immediate payment and its equipment system
WO1996004633A1 (en) * 1994-07-29 1996-02-15 Seiko Communications Holding N.V. Dual channel advertising referencing vehicle location
FI100137B (en) 1994-10-28 1997-09-30 Vazvan Simin Real-time wireless telecom payment system
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
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
EP0960402B1 (en) 1996-06-19 2007-09-26 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
US5717866A (en) * 1996-06-28 1998-02-10 Codesaver International, Inc. Method for comparative analysis of consumer response to product promotions
US5903830A (en) * 1996-08-08 1999-05-11 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 (en) * 1996-10-14 1998-05-06 Nippon Signal Co Ltd:The Storage medium processor for electronic money system
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
EP0848361B1 (en) 1996-12-13 1999-08-25 Telefonaktiebolaget L M Ericsson (Publ) Method and system for performing money transactions
AU6758898A (en) 1997-03-12 1998-09-29 Visa International 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
JP4309479B2 (en) 1997-07-03 2009-08-05 シティコープ デヴェロップメント センター A system for sending values to the magnetic stripe of a transaction card
US5959577A (en) 1997-08-28 1999-09-28 Vectorlink, Inc. Method and structure for distribution of travel information using network
US6018718A (en) * 1997-08-28 2000-01-25 Walker Asset Management Limited Partnership Method and system for processing customized reward offers
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 (en) * 1997-11-13 1999-05-28 Nippon Telegr & Teleph Corp <Ntt> Schedule reminding notification processing method, schedule management device and recording medium storing reminding notification program
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
US7040533B1 (en) * 1998-04-17 2006-05-09 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
US7216800B1 (en) * 1998-04-17 2007-05-15 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
KR20010075291A (en) 1998-09-22 2001-08-09 칼 하인쯔 호르닝어 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 (en) 1999-01-28 2000-08-11 Tamura Electric Works Ltd Portable telephone system and electronic money recharging system
US20010011248A1 (en) * 1999-01-29 2001-08-02 Maria Azua Himmel Method and apparatus for transmitting and tendering electronic cash using a phone wallet
US6975852B1 (en) 1999-03-17 2005-12-13 Starhome 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
CA2910997A1 (en) 1999-04-30 2000-11-09 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 (en) * 1999-10-29 2005-08-10 サンデン株式会社 Cashless vending system
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 (en) 2000-02-29 2011-01-26 株式会社東芝 Automatic ticket gate
DE1136961T1 (en) * 2000-03-24 2003-05-28 Mobipay International S A System and method for real-time remote payments and transactions using a mobile phone
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
AU2001257280C1 (en) 2000-04-24 2009-01-15 Visa International Service Association Online payer authentication service
FI20001054A (en) 2000-05-05 2001-11-06 Sonera Oyj Digital payment order
JP2001325550A (en) * 2000-05-16 2001-11-22 Nec Corp Method and system for electronic settlement, and program storage medium
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 (en) * 2000-08-01 2004-05-17 日立マクセル株式会社 Electronic coupon system
US6647269B2 (en) 2000-08-07 2003-11-11 Telcontar Method and system for analyzing advertisements delivered to a mobile unit
KR100397813B1 (en) * 2000-09-29 2003-09-13 주식회사 시큐베이 The integrated customer management system using wireless barcode
US7774231B2 (en) * 2000-09-29 2010-08-10 Nokia Corporation Electronic payment methods for a mobile device
JP2002117377A (en) 2000-10-04 2002-04-19 Nec Corp Personal authentication system using position information, authentication system by card and door lock system by password number
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
US7499889B2 (en) 2000-10-23 2009-03-03 Cyota Inc. Transaction system
JP2002133332A (en) * 2000-10-26 2002-05-10 Dai-Ichi Kangyo Bank Ltd Settlement managing system for payment transaction
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
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
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
AU2002226941A1 (en) * 2000-11-20 2002-06-03 Ecrio, Inc. Method for downloading bar code encoded information with a mobile communication
FR2817061B1 (en) * 2000-11-22 2003-03-28 Welcome Real Time METHOD AND SYSTEM FOR RECEIVING, STORING AND PROCESSING ELECTRONIC COUPONS WITH A MOBILE TELEPHONE OR DIGITAL ASSISTANT
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 (en) * 2000-12-14 2002-06-28 Nec Corp Point management server and method
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 (en) * 2001-03-02 2010-06-09 日本テキサス・インスツルメンツ株式会社 Mirror detection signal generation circuit
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
US7131575B1 (en) 2001-03-26 2006-11-07 Usa Technologies, Inc. MDB transaction string effectuated cashless vending
US7076329B1 (en) 2002-04-12 2006-07-11 Usa Technologies, Inc. Cashless vending transaction management by a vend assist mode of operation
US20030208406A1 (en) 2001-03-28 2003-11-06 Okamoto Steve Atsushi Method and apparatus for processing one or more value bearing instruments
US7096205B2 (en) 2001-03-31 2006-08-22 First Data Corporation Systems and methods for enrolling consumers in goods and services
JP2002304522A (en) * 2001-04-05 2002-10-18 Ufj Bank Ltd Authentication method, transaction-side system, computer program and recording medium recorded with the program
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 (en) 2001-05-31 2002-12-20 Hewlett Packard Co <Hp> Distribution system for electronic coupon based upon identifier
US6626356B2 (en) 2001-06-14 2003-09-30 General Electric Company Multi-use credit card for financial transactions and vehicle configuration
JP3565801B2 (en) * 2001-07-06 2004-09-15 株式会社ユーエフジェイ銀行 Identity verification method
US7742984B2 (en) 2001-07-06 2010-06-22 Hossein Mohsenzadeh Secure authentication and payment system
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
AU2002332556A1 (en) 2001-08-15 2003-03-03 Visa International Service Association Method and system for delivering multiple services electronically to customers via a centralized portal architecture
US7103576B2 (en) 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US7099850B1 (en) 2001-09-21 2006-08-29 Jpmorgan Chase Bank, N.A. Methods 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 (en) 2001-09-28 2003-04-11 Glory Ltd Method, device for informing settlement information, settlement information managing device and program
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
CA2476502C (en) * 2002-02-15 2016-10-11 Coinstar, Inc. 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
WO2003083737A1 (en) * 2002-04-03 2003-10-09 Amsoft Systems System and method for detecting card fraud
JP2005522925A (en) * 2002-04-16 2005-07-28 ウルトラ プロイズヴォドニャ エレクトロンスキ ナプラウ デー．オー．オー． 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 (en) * 2002-06-26 2004-01-29 Matsushita Electric Ind Co Ltd Settlement information reporting service server, and method for reporting settlement information
AU2003247967A1 (en) 2002-07-12 2004-02-02 Exphand, Inc. Interactive electronic commerce and message interchange system
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
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
US9852437B2 (en) * 2002-09-13 2017-12-26 Visa U.S.A. Inc. Opt-in/opt-out in loyalty system
US7121456B2 (en) 2002-09-13 2006-10-17 Visa U.S.A. Inc. Method and system for managing token image replacement
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
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
US8626577B2 (en) * 2002-09-13 2014-01-07 Visa U.S.A Network centric loyalty system
CN1682229A (en) * 2002-09-17 2005-10-12 默比卡有限公司 Optimised messages containing barcode information for mobile receiving device
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 (en) * 2002-12-20 2007-03-14 株式会社大和証券グループ本社 Financial information notification system, method and program, information processing system and method
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 (en) 2003-02-26 2004-11-29 Steven Anderson Real time mobile telephony system and process for remote payments, credit granting and transactions
US7440771B2 (en) * 2003-02-28 2008-10-21 American Express Travel Related Services Company, Inc. Transaction card providing displayed information
JP2004295750A (en) * 2003-03-28 2004-10-21 Bank Of Tokyo-Mitsubishi Ltd Method and system for notifying card use
WO2004091170A2 (en) * 2003-03-31 2004-10-21 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
EP1644861A4 (en) * 2003-07-02 2009-05-13 Visa Int Service Ass 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
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
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
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 (en) * 2003-10-17 2005-05-12 Connect Technologies Corp Available sum expressing device
US7039611B2 (en) * 2003-11-06 2006-05-02 Visa U.S.A., Inc. Managing attempts to initiate authentication of electronic commerce card transactions
US7653602B2 (en) 2003-11-06 2010-01-26 Visa U.S.A. Inc. Centralized 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 (en) 2003-11-25 2005-06-09 France Telecom Method and system for the electronic payment of goods or services which are dispensed by an automaton with asynchronous reconciliation
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 (en) * 2004-03-26 2009-07-29 富士通株式会社 Store settlement method, system and program
US8571978B2 (en) 2004-06-17 2013-10-29 Visa International Service Association Method and system for providing assurance and financing services
KR100930457B1 (en) * 2004-08-25 2009-12-08 에스케이 텔레콤주식회사 Authentication and payment system and method using mobile communication terminal
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 (en) * 2004-09-22 2006-04-06 Casio Hitachi Mobile Communications Co Ltd Mobile phone device and program
JP2006119794A (en) * 2004-10-20 2006-05-11 Nihon Unica Corp Coupon service system
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 (en) 2005-02-25 2005-08-10 侯万春 Intelligent wallet based on mobile phone number and device and method for implementing the same
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
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
US7522905B2 (en) 2005-06-24 2009-04-21 Visa U.S.A. Inc. Apparatus and method for preventing wireless interrogation of portable consumer devices
US7482925B2 (en) 2005-06-24 2009-01-27 Visa U.S.A. Apparatus and method to electromagnetically shield 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
JP2009537911A (en) 2006-05-16 2009-10-29 ヴィザ インターナショナル サーヴィス アソシエイション Method and system 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
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
US8489067B2 (en) * 2006-07-06 2013-07-16 Qualcomm Incorporated Methods and systems for distribution of a mobile wallet for a mobile device
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
US7848980B2 (en) 2006-12-26 2010-12-07 Visa U.S.A. Inc. Mobile payment system and method using alias
US20080154735A1 (en) 2006-12-26 2008-06-26 Mark Carlson Mobile vending purchasing
CN101647040A (en) 2006-12-26 2010-02-10 维萨美国股份有限公司 Mobile payment system and method using alias
US20080201226A1 (en) 2006-12-26 2008-08-21 Mark Carlson Mobile coupon method and portable consumer device for utilizing same
US9940627B2 (en) 2006-12-26 2018-04-10 Visa U.S.A. Inc. Mobile coupon method and system
US8615426B2 (en) 2006-12-26 2013-12-24 Visa U.S.A. Inc. Coupon offers from multiple entities
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
US7575177B2 (en) * 2007-10-03 2009-08-18 Mastercard International, Inc. Dual use payment device
US20090112767A1 (en) 2007-10-25 2009-04-30 Ayman Hammad Escrow system and method
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
US8478692B2 (en) 2008-06-26 2013-07-02 Visa International Service Association Systems and methods for geographic location notifications of payment transactions
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
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 (en) 2008-11-14 2010-05-27 Nippon Electric Glass Co Ltd Glass composition for illumination and fluorescent lamp envelope

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060053056A1 (en) * 2001-03-29 2006-03-09 American Express Marketing & Development Corporati Card member discount system and method
US20050035847A1 (en) * 2001-07-10 2005-02-17 American Express Travel Related Services Company, Inc. Systems and methods for providing a rf transaction device for use in a private label transaction
US20060248007A1 (en) * 2005-04-28 2006-11-02 Dominic Hofer Methods and systems for generating dynamic reward currency values

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP2104916A4 *

Cited By (30)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11359320B2 (en) 2010-06-01 2022-06-14 Albert Bruce Urquhart On-line pay-per-use system and method
USD782482S1 (en) 2013-12-18 2017-03-28 Payrange, Inc. In-line dongle
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
US9547859B2 (en) 2013-12-18 2017-01-17 PayRange Inc. Method and system for performing mobile device-to-machine payments
USD755183S1 (en) 2013-12-18 2016-05-03 Payrange, Inc. In-line dongle
US11501296B2 (en) 2013-12-18 2022-11-15 PayRange Inc. Method and system for presenting representations of payment accepting unit events
US11494751B2 (en) 2013-12-18 2022-11-08 PayRange Inc. Systems and methods for determining electric pulses to provide to an unattended machine based on remotely-configured options
US11488174B2 (en) 2013-12-18 2022-11-01 PayRange Inc. Method and system for performing mobile device-to-machine payments
US11481781B2 (en) 2013-12-18 2022-10-25 PayRange Inc. Processing interrupted transaction over non-persistent network connections
US11935051B2 (en) 2013-12-18 2024-03-19 Payrange, Inc. Device and method for providing external access to multi-drop bus peripheral devices
US9256873B2 (en) 2013-12-18 2016-02-09 PayRange Inc. Method and device 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
USD782483S1 (en) 2013-12-18 2017-03-28 Payrange, Inc. In-line dongle
US9875473B2 (en) 2013-12-18 2018-01-23 PayRange Inc. Method and system for retrofitting an offline-payment operated machine to accept electronic payments
US8856045B1 (en) 2013-12-18 2014-10-07 PayRange Inc. Mobile-device-to-machine payment systems
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
US10438208B2 (en) 2013-12-18 2019-10-08 PayRange Inc. Systems and methods for interacting with unattended machines using detectable trigger conditions and limited-scope authorization grants
US11481772B2 (en) 2013-12-18 2022-10-25 PayRange Inc. Method and system for presenting representations of payment accepting unit events
US11475454B2 (en) 2013-12-18 2022-10-18 PayRange Inc. Intermediary communications over non-persistent network connections
US9134994B2 (en) 2013-12-18 2015-09-15 PayRange Inc. Method and system for updating firmware using a mobile device as a communications bridge
US10019724B2 (en) 2015-01-30 2018-07-10 PayRange Inc. Method and system for providing offers for automated retail machines via mobile devices
US11468468B2 (en) 2015-01-30 2022-10-11 PayRange Inc. Method and system for providing offers for automated retail machines via mobile devices
US10963905B2 (en) 2015-01-30 2021-03-30 PayRange Inc. Method and system for providing offers for automated retail machines via mobile devices
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
USD764532S1 (en) 2015-01-30 2016-08-23 PayRange Inc. Display screen or portion thereof with animated graphical user interface
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
US9262771B1 (en) 2015-01-30 2016-02-16 PayRange Inc. Method and system for providing offers for automated retail machines via mobile devices

Also Published As

Publication number Publication date
JP5303471B2 (en) 2013-10-02
WO2008083078A3 (en) 2008-08-21
AU2007339976A1 (en) 2008-07-10
WO2008083078A2 (en) 2008-07-10
CN101647040A (en) 2010-02-10
AU2007339976B2 (en) 2012-05-31
CA2674077A1 (en) 2008-07-10
CN101601064A (en) 2009-12-09
US20080183480A1 (en) 2008-07-31
BRPI0720659A2 (en) 2014-01-07
WO2008083089A1 (en) 2008-07-10
CN101595491A (en) 2009-12-02
KR20090096533A (en) 2009-09-10
JP2010515166A (en) 2010-05-06
AU2007339930B2 (en) 2012-05-24
CN101657784A (en) 2010-02-24
JP2010515169A (en) 2010-05-06
EP2104916A1 (en) 2009-09-30
JP2010515168A (en) 2010-05-06
EP2104915A4 (en) 2012-01-18
US20080163257A1 (en) 2008-07-03
EP2104916A4 (en) 2012-07-11
EP2104915A1 (en) 2009-09-30
CN101647039A (en) 2010-02-10
KR20090104069A (en) 2009-10-05
BRPI0720676A2 (en) 2014-02-04
CA2673986A1 (en) 2008-07-10
CA2674074A1 (en) 2008-07-10
US8645971B2 (en) 2014-02-04
CN101647038A (en) 2010-02-10
AU2007339987A1 (en) 2008-07-10
AU2007339987B2 (en) 2012-05-24
AU2007339930A1 (en) 2008-07-10

Similar Documents

Publication Publication Date Title
US8645971B2 (en) Real-time balance updates
US9325833B2 (en) Systems and methods for sorting alert and offer messages on a mobile device
US8478232B2 (en) Prepaid text messaging service
US8433651B2 (en) Mobile device including computer readable medium suitable for tax processing and currency conversion
JP5301463B2 (en) Mobile phone payment process including threshold indicator
AU2009243159B2 (en) Portable device including alterable indicator
WO2008083025A2 (en) Mobile vending purchasing
WO2018067364A1 (en) Wireless communication beacon offer and transaction system
AU2015201952B2 (en) Systems and methods for sorting alert and offer messages on a mobile device

Legal Events

Date Code Title Description
WWE Wipo information: entry into national phase

Ref document number: 200780050672.1

Country of ref document: CN

121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 07869831

Country of ref document: EP

Kind code of ref document: A1

ENP Entry into the national phase

Ref document number: 2009544238

Country of ref document: JP

Kind code of ref document: A

WWE Wipo information: entry into national phase

Ref document number: 2674077

Country of ref document: CA

NENP Non-entry into the national phase

Ref country code: DE

WWE Wipo information: entry into national phase

Ref document number: 2007869831

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 2007339930

Country of ref document: AU

WWE Wipo information: entry into national phase

Ref document number: 4427/CHENP/2009

Country of ref document: IN

ENP Entry into the national phase

Ref document number: 2007339930

Country of ref document: AU

Date of ref document: 20071221

Kind code of ref document: A

ENP Entry into the national phase

Ref document number: PI0720659

Country of ref document: BR

Kind code of ref document: A2

Effective date: 20090626