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159 results about "Mobile commerce" patented technology
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The term mobile commerce was originally coined in 1997 by Kevin Duffey at the launch of the Global Mobile Commerce Forum, to mean "the delivery of electronic commerce capabilities directly into the consumer’s hand, anywhere, via wireless technology." Many choose to think of Mobile Commerce as meaning "a retail outlet in your customer’s pocket."
Payments using a mobile commerce device
InactiveUS20080208762A1Buying/selling/leasing transactionsPoint-of-sale network systemsPayment transactionAuthorization
Methods, systems, and machine-readable media are disclosed for handling payment transactions in a mobile commerce system. According to one embodiment, a method of processing a payment transaction in a mobile commerce system can comprise receiving at a first acquirer system a communication from a point-of-sale (POS) device. The communication can be related to the payment transaction and can include information identifying a financial account from which a payment is requested. A second acquirer for authorizing the payment can be identified based on the information identifying the financial account. The communication can be sent to the second acquirer system for authorization of the transaction based on the information related to the financial account. An indication of whether the transaction is authorized can be received from the second acquirer system.
Owner:FIRST DATA
Mobile commerce systems and methods
ActiveUS20080208744A1FinanceRadio/inductive link selection arrangementsTelecommunicationsFinancial transaction
Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.
Owner:FIRST DATA
Mobile system and method for payments and non-financial transactions
InactiveUS8635157B2Readily availableLow costFinanceBuying/selling/leasing transactionsVirtual terminalPayment transaction
A method and system for mobile commerce, communication, and transaction processing to real-world POS, web, e-commerce, virtual terminal, mobile personal digital assistant, mobile phone, mobile device, or other computer based transactions involving either one or both financial and non-financial such as loyalty based transactions as a mobile payment system is described. One embodiment comprises using a mobile phone via a consumer mobile software application (CMA) in lieu of a consumer card (examples include physical, virtual, or chips) to conduct payment transactions in the Real or Virtual World of commerce. An embodiment is related to making payments to real-world stores via having the CMA on a mobile device on behalf of the consumer present to conduct transactions and no physical card required.
Owner:PAYME
Mobile commerce infrastructure systems and methods
Methods, systems, and machine readable media are disclosed for Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a system for supporting mobile commerce applications can comprise a management and control layer. The management and control layer can be adapted to control communications to and from mobile wallet applications. The system can also have a gateway services layer communicatively coupled with the management and control layer and a plurality of content provider systems communicatively coupled with the gateway services layer. The content provider systems can be adapted to provide financial transaction content or services related to the mobile commerce functions of the mobile wallet applications via the management and control layer and gateway services layer.
Owner:FIRST DATA
Mobile commerce system
Embodiments of the invention are directed to systems, methods, and computer program products for providing targeted product offers to a consumer's mobile device based on the consumer's current location, location history, transaction history, and purchase thresholds. Embodiments of the invention are also directed to systems, methods, and computer program products for obtaining feedback from the consumer in relation to an offer and providing a modified offer based on the feedback. In one embodiment, the feedback is a determination that a consumer is not interested in a merchant offer based on the consumer's substantially real-time location information and transaction information.
Owner:BANK OF AMERICA CORP
Transaction authorization system for a mobile commerce device
Embodiments of the invention include apparatuses and methods that allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a single action or supplying only a single input to the mobile device. For example, some embodiments of the invention allow a user to assign a default payment vehicle to a particular key or “pay now” icon of the mobile device so that activation of the particular key or icon, alone, causes the mobile device to wirelessly transmit information about the default payment vehicle. In some embodiments of the invention, a user using the single action option of the mobile device does not need to go through an authentication procedure before the mobile device transmits the default payment information. In some embodiments of the invention, if a user uses the single action option, the mobile device is configured to transmit the payment information without needing to first launch an electronic wallet software application installed on the device.
Owner:BANK OF AMERICA CORP
Mobile system and method for payments and non-financial transactions
InactiveUS20120016731A1Readily availableLow costBuying/selling/leasing transactionsPoint-of-sale network systemsVirtual terminalPayment transaction
A method and system for mobile commerce, communication, and transaction processing to real-world POS. web, e-commerce, virtual terminal, mobile personal digital assistant, mobile phone, mobile device, or other computer based transactions involving either one or both financial and non-financial such as loyalty based transactions as a mobile payment system is described. One embodiment comprises using a mobile phone via a consumer mobile software application (CMA) in lieu of a consumer card (examples include physical, virtual, or chips) to conduct payment transactions in the Real or Virtual World of commerce. An embodiment is related to making payments to real-world stores via having the CMA on a mobile device on behalf of the consumer present to conduct transactions and no physical card required.
Owner:PAYME
Virtual-wait queue for mobile commerce
InactiveUS6845361B1Improved customer careOvercome difficultiesTicket-issuing apparatusInterconnection arrangementsNetwork connectionThe Internet
A method and a system are provided for maintaining a virtual-wait queue that controls access by customers to a physical resource such as a restaurant table. The method and system are especially adapted for use by customers operating Internet-enabled wireless devices. The system operates by maintaining a virtual-wait queue data structure capable of storing a plurality of entries. Each entry is representative of a customer. The system accepts an instruction from a premises I / O device indicating to either add or delete an entry to the data structure. The system also accepts an instruction from a network connection to either add or delete the remote customer into or from the virtual wait queue. The virtual wait queue system indicates to the remote customer the estimated time left in the queue, freeing the customer from the need to wait in line.
Owner:RPX CORP
Systems and methods for profile-based mobile commerce
ActiveUS20080242274A1Minimize lagGreat dealFinanceSpecial service for subscribersSystems analysisFinancial transaction
The invention discloses systems and methods for integrating Mobile Commerce applications with dynamically generated user profiles. A profiling engine collects and stores information regarding a mobile subscriber's usage of Mobile Banking, Mobile Payment, and Mobile Brokerage, and stores the information in a profile. A Dynamic Event Server Subsystem comprising a Mobile Broker analyzes patterns in the subscriber's usage of these applications. The mobile broker can thus provide intelligent feedback regarding purchases and financial transactions back to the applications and to the subscriber. This feedback is provided in real time.
Owner:CINGULAR WIRELESS II LLC
Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account
InactiveUS7248855B2Low costImprove adaptabilityDigital data authenticationBuying/selling/leasing transactionsCommunications systemHeterogeneous network
A rule set is used to determine at least one rule for authorizing a transaction debiting an account of an authorized user. Subsequently, the account is debited, according to the at least one rule, in real time if the transaction is authorized. The real time debit is settled with transaction providers in accordance with at least one settlement rule. If it is determined that the authorized user does not have sufficient funds in an authorized user account to debit for the transaction, the authorized user account may be recharged by a recharge routine that includes determining a recharge user account to transfer funds from and authorizing the transfer by at least one of referring to a pre-authorized transfer and requesting authorization from the authorized user. The transaction may be requested and the transaction providers may be connected via heterogeneous networks.
Owner:UPAID SYST LTD
Systems and methods for facilitating remote authorization and payment of goods via mobile commerce
An on-site consumer at a merchant location can obtain payment authorization and a payment method via a mobile device and mobile application from third-party payor that is not at the merchant location. The on-site consumer can select products for purchase and receive the price from the merchant POS device. The on-site consumer can initial the mobile application and select a third-party payor. A notification can be sent to the mobile or other device of the third-party payor. The third-party payor can elect to pay or decline the request and can select a payment method via the mobile application on their device. The decision of the third-party payor and any payment method can be transmitted to the mobile device of the on-site consumer and / or the merchant POS device. After the completion of the purchase, the mobile application can transmit an electronic receipt to the mobile device of the third-party payor.
Owner:FIRST DATA
Provisioning of a device for mobile commerce
Methods, systems, and machine-readable media are disclosed for provisioning information to a mobile device in a mobile commerce system. According to one embodiment, a method of provisioning information to a mobile wallet application of a mobile device can comprise receiving at a mobile wallet server registration information for the mobile device from an acquirer system. A determination can be made based on the registration information as to whether the mobile wallet of the mobile device has been previously provisioned. In response to determining that the mobile wallet of the mobile device has not been previously provisioned, a new mobile wallet can be created for the mobile device. A notification can then be sent from the mobile wallet server to the mobile device, the notification indicating the mobile wallet is available for download.
Owner:FIRST DATA
Marketing messages in mobile commerce
InactiveUS20080207234A1Apparatus for meter-controlled dispensingRadio/inductive link selection arrangementsShort Message ServiceE-commerce
Methods, systems, and machine-readable media are disclosed for providing marketing messages to a mobile device. According to one embodiment, a method of providing one or more marketing messages to a mobile device in a mobile commerce system can comprise receiving at a mobile wallet server a set of information from an acquirer system. The set of information can identify one or more marketing offers. One or more marketing messages can be generated by the mobile wallet server based on the set of information identifying the one or more marketing offers. For example, the marketing messages can comprise Short Message Service (SMS) messages, email messages, or other types of messages. Each of the one or more marketing messages can be sent from the mobile wallet server to one or more mobile devices.
Owner:FIRST DATA
Balance management for pre-paid services
A computerized balance management system includes a balance manager that maintains a database having pre-paid accounts. The accounts will have data such as account balance and other account configuration data. The system also communicates with a plurality of servers that are coupled to a mobile network. The servers may include a content server, a mobile commerce server, or an intelligent network platform server. The balance manager is operative to perform the tasks of receiving queries from at least one of the plurality of servers, calculating a reservation amount based on the query and reserving the reservation amount against the pre-paid account.
Owner:INTEC TELECOM SYSTEMS
Location determination for mobile devices for location-based services
InactiveUS20050286421A1Simplify InteractionSpecial service provision for substationError preventionMobile deviceLocation determination
Information regarding a site-specific m-commerce transaction is used to determine the general location of a mobile device with which the m-commerce transaction is conducted. All that is required for location determination of the mobile device is a location identifier. During the transaction, the user specifies the location identifier. An m-commerce server retrieves predetermined and previously stored location information associated with the location identifier. The server identifies services associated with locations within a predetermined distance of the identified location and makes information regarding such services available to the mobile device.
Owner:NEW PARKING
E-coupon service for location-aware mobile commerce which determines whether to supply requested e-coupons based on the number of requests received in a processing cycle, and a threshold number of requests required to make expected returns from redeemed coupons greater than advertising fees
InactiveUS20060036491A1Improve efficiencySufficient freedomDiscounts/incentivesCash registersDistribution methodLocation aware
A conditional e-coupon distribution method distributes e-coupons predefined by sellers to mobile users only if the number of mobile users requesting such e-coupons equals or exceeds a threshold. The method receives a request to browse e-coupons from a mobile user. The method receives the location of the mobile user and determines a plurality of sellers local to the mobile electronic device and a plurality of corresponding e-coupons available from the local sellers. The method receives a request for a particular e-coupon from a seller and authorizes the provision of said e-coupon to the mobile user. At the end of a processing cycle, the mobile user receives the requested e-coupon if all conditions, such as a period of time and threshold, have been met. A computer-usable medium having computer-readable program code embodied therein allows for storage of the method.
Owner:AT&T INTPROP II L P
System and method for value creation
There is disclosed a system and method for creating value by facilitating third party participation in mobile commerce transactions, providing consumers with a unified perspective of commercial activity, and selectively implementing discounts. The system may include a computerized engine and a point of sale wallet, which may be embedded in a personal trusted device. The computerized engine may be programmed to selectively implement a discount associated with a particular transaction. The personal trusted device may comprise a wireless communications technology, which enables the device to communicate with a back-end system and / or other point of sale devices. The personal trusted device may serve as the nexus of consumer transactions by facilitating payment as well as receipt and storage of electronic receipts. The personal trusted device may also be configured to transmit electronic receipts via the communications technology.
Owner:NETCRACKER TECH SOLUTIONS
SIM-centric mobile commerce system for deployment in a legacy network infrastructure
InactiveUS8639215B2Improve securityUsage existComplete banking machinesFinanceComputer networkService provision
A financial transaction processing system in a legacy financial transaction network for wireless mobile handset devices having an internal SIM or USIM under control of a service provider in a wireless communication network connected to an open world communication network in which the SIM or USIM has a secure part of an account management application that manages a financial account in the handset and adjusts the financial account when the user of the handset communicates a number related to the mobile number of the handset to a legacy remote card terminal which routes the number and transaction data to the secure link server of the service provider.
Owner:MCGREGOR GREGORY M +2
Mobile content publishing system and method
InactiveUS20070294177A1Computer security arrangementsBuying/selling/leasing transactionsContent formatMobile content
A mobile content publishing system and method. Enables creation, edit, upload, distribution and sale of ring tones, ringback tones, text, pictures, video or any other mobile content including music. Enables conversion of file formats depending on the playback device. Billing is performed for the creating user automatically. Users may sell and display content without dealing with the complexities of content formatting or billing. The system may also use a website with m-commerce capabilities that allows multiple consumers to purchase content. Editors such as a mixer may be used in one or more embodiments of the invention to create music or ring tones and ringback tones that are then uploaded to a publishing interface such as an e-commerce market for sale. The market may allow for revenue sharing between the market owner, the creator of the content or any other party involved in the distribution of media content.
Owner:PLAYSCREEN
Architecture for secure reverse mobile commerce
ActiveUS7668754B1Maintain privacyImprove accuracyFinanceBuying/selling/leasing transactionsPersonal agentComputer science
A secure m-commerce system and device. A consumer m-commerce device receives product data via a number of data input techniques. The product data is uploaded to a remote personal agent that requests bids from commercial partners to transact the list. When a bid is selected, the consumer transacts remotely to complete the purchase thereof. The system tracks geographically the device such that the consumer is alerted to a partner location, and may stop by the location for further information. The device may also output a store map to the consumer that locates all products on the shopping list.
Owner:SYMBOL TECH LLC
E-coupon service for location-aware mobile commerce which determines whether to supply requested e-coupons based on the number of requests received in a processing cycle, and a threshold number of requests required to make expected returns from redeemed coupons greater than advertising fees
ActiveUS6996579B2Improve advertising effectivenessImprove cost-efficiencyDiscounts/incentivesSpecial data processing applicationsDistribution methodMobile electronics
A conditional e-coupon distribution method distributes e-coupons predefined by sellers to mobile users only if the number of mobile users requesting such e-coupons equals or exceeds a threshold. The method receives a request to browse e-coupons from a mobile user. The method receives the location of the mobile user and determines a plurality of sellers local to the mobile electronic device and a plurality of corresponding e-coupons available from the local sellers. The method receives a request for a particular e-coupon from a seller and authorizes the provision of said e-coupon to the mobile user. At the end of a processing cycle, the mobile user receives the requested e-coupon if all conditions, such as a period of time and threshold, have been met. A computer-usable medium having computer-readable program code embodied therein allows for storage of the method.
Owner:AT&T INTPROP I L P
System and method for location based mobile commerce
In accordance with one or more embodiments of the present disclosure, a method for facilitating financial transactions over a network includes communicating with a user via a first mobile communication device over the network, obtaining a geo-location of the first mobile communication device, communicating with a merchant via a second mobile communication device over the network, obtaining a radius of coverage for the second mobile communication device, determining whether the geo-location of the first mobile communication device is within the radius of coverage of the second mobile communication device, and providing a listing to the first mobile communication device of one or more items for sale by the merchant when the first mobile communication device is within the radius of coverage of the second mobile communication device.
Owner:PAYPAL INC
Enrollment and registration of a device in a mobile commerce system
Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.
Owner:FIRST DATA
Universal virtual shopping cart
Methods and systems are provided for improved mobile commerce through the use of a virtual shopping cart. Through the use of the present invention consumers can add prospective purchases to a virtual shopping cart and coordinate for a deferred decision for finalizing the purchases and subsequent delivery of purchased of goods.
Owner:SHOPTEXT INC
Systems and methods for facilitating the approval and use of a credit account via mobile commerce
ActiveUS20140070001A1Facilitate processing of applicationEasy to buyFinanceVehicle cleaning apparatusE-commerceApplication software
A consumer can receive a new credit application at their mobile device. The consumer can complete and electronically transmit the credit application via a mobile application on their mobile device. A transaction processing system can receive the credit application and electronically pass it along to the financial institution issuing the credit for a determination on the credit application. An approval or denial can be electronically received by the transaction processing system from the financial institution. If approved, the transaction processing system can forward the approval along with the new credit account information and a code or other device to allow the consumer to immediately use the new credit account. The mobile device can receive the approval via the mobile application as well as any coupons associated with the new account and can provide the consumer with a mechanism to immediately purchase items with the newly approved credit account.
Owner:FIRST DATA
Dynamic processing of payment requests for mobile commerce transactions
A mobile commerce system which has been configured in accordance with the present invention can include a multiplicity of mobile server wallets. Each wallet can have an association with a corresponding subscriber in a wireless service provider network. A proxy server can be disposed in the wireless service provider network. Finally, a filter plug-in can be coupled to the proxy server and configured to intercept selected payment messages flowing through the proxy server. The filter plug-in further can be configured to route the payment messages to selected ones of the mobile server wallets.
Owner:IBM CORP
Integrated system and method for enabling mobile commerce transactions using active posters and contactless identity modules
A method, integrated system and Active Poster for processing mobile touch transactions. The integration consists of an RFID or other near field communication enabled device which may be standalone, affixed to, or part of a mobile or hand held portable wireless communication device (optionally using a Contact Less (CL) SIM with near field communication capability), a touch sensitive Active Poster also with near field communication capability, an issuer's or mobile network provider's system and application and a host computer with networking capability.
Owner:XIUS CORP
Integrated System and Method for Enabling Mobile Commerce Transactions using "Contactless Identity Modules in Mobile Handsets"
Owner:XIUS CORP
Account information lookup systems and methods in mobile commerce
Methods, systems, and machine-readable media are disclosed for providing account information to a mobile wallet application in a mobile commerce system. According to one embodiment, a method of providing account information for a financial account to a mobile wallet of a mobile device can comprise receiving at a mobile wallet server a request for the account information. For example, the account information can comprise an account balance. In another example, the account information can comprise an account transaction history. An account inquiry can be sent from the mobile wallet server to an acquirer system. The account information can be received at the mobile wallet server from the acquirer system and sent from the mobile wallet server to the mobile wallet of the mobile device.
Owner:FIRST DATA
Mobile commerce systems and methods
Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.
Owner:FIRST DATA
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