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1. 发明申请

WO2009042595A1 SERVICE DISCOVERY VIA MOBILE IMAGING SYSTEMS AND METHODS 审中-公开
标题翻译：服务发现通过移动成像系统和方法
公开(公告)号：WO2009042595A1
公开(公告)日：2009-04-02
申请号：PCT/US2008/077379
申请日：2008-09-23
申请人： FIRST DATA CORPORATION , TOOMER, Christopher, L. , ARTHUR, Steven, E.
发明人： TOOMER, Christopher, L. , ARTHUR, Steven, E.
IPC分类号： H04N7/14
CPC分类号： H04M1/72561 , H04M1/2755 , H04M2250/52
摘要： A method of receiving content associated with media includes using a mobile device to acquire an image from media. The image has corresponding content. The method also includes using the mobile device to process the image to thereby produce the content and displaying at least a portion of the content on a display of the mobile device.
摘要翻译：接收与媒体相关联的内容的方法包括使用移动设备从媒体获取图像。图像具有相应的内容。该方法还包括使用移动设备处理图像从而产生内容并且在移动设备的显示器上显示内容的至少一部分。

2. 发明申请

WO2008103879A3 PROVISIONING OF A DEVICE FOR MOBILE COMMERCE 审中-公开
标题翻译：提供移动商业设备
公开(公告)号：WO2008103879A3
公开(公告)日：2008-11-27
申请号：PCT/US2008054672
申请日：2008-02-22
申请人： FIRST DATA CORP , ARTHUR STEVEN E , TOOMER CHRISTOPHER L , OWEN SARAH , VANDEBURG THEODORE
发明人： ARTHUR STEVEN E , TOOMER CHRISTOPHER L , OWEN SARAH , VANDEBURG THEODORE
IPC分类号： H04L12/66
CPC分类号： G06Q40/02 , G06Q20/105 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/3278 , G06Q20/363 , G06Q30/06
摘要： 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.
摘要翻译：公开了用于向移动商务系统中的移动设备提供信息的方法，系统和机器可读介质。根据一个实施例，向移动设备的移动钱包应用提供信息的方法可以包括：在移动钱包服务器处，从获取方系统接收针对移动设备的注册信息。可以基于关于移动设备的移动钱包是否已经被提供的注册信息进行确定。响应于确定移动设备的移动钱包尚未被提供，可以为移动设备创建新的移动钱包。然后可以从移动钱包服务器向移动设备发送通知，指示移动钱包的通知可用于下载。

3. 发明申请

WO2008103883A1 MARKETING MESSAGES IN MOBILE COMMERCE 审中-公开
标题翻译：营销信息在移动商业
公开(公告)号：WO2008103883A1
公开(公告)日：2008-08-28
申请号：PCT/US2008/054679
申请日：2008-02-22
申请人： FIRST DATA CORPORATION , ARTHUR, Steven, E. , TOOMER, Christopher, L. , OWEN, Sarah , VANDEBURG, Theodore
发明人： ARTHUR, Steven, E. , TOOMER, Christopher, L. , OWEN, Sarah , VANDEBURG, Theodore
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/227 , G06Q20/32 , G06Q20/322 , G06Q20/3255 , G06Q20/3278 , G06Q30/02 , G07F17/16
摘要： 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.
摘要翻译：公开了用于向移动设备提供营销消息的方法，系统和机器可读介质。根据一个实施例，向移动商务系统中的移动设备提供一个或多个营销消息的方法可以包括在移动钱包服务器处从获取方系统接收一组信息。该组信息可以识别一个或多个营销报价。移动钱包服务器可以基于识别一个或多个营销优惠的一组信息来生成一个或多个营销消息。例如，营销消息可以包括短消息服务（SMS）消息，电子邮件消息或其他类型的消息。一个或多个营销消息中的每一个可以从移动钱包服务器发送到一个或多个移动设备。

4. 发明申请

WO2008103871A1 TRANSFER OF VALUE BETWEEN MOBILE DEVICES IN A MOBILE COMMERCE SYSTEM 审中-公开
标题翻译：在移动商业系统中移动设备之间的价值转移
公开(公告)号：WO2008103871A1
公开(公告)日：2008-08-28
申请号：PCT/US2008/054654
申请日：2008-02-22
申请人： FIRST DATA CORPORATION , ARTHUR, Steven, E. , TOOMER, Christopher, L. , OWEN, Sarah , VANDEBURG, Theodore
发明人： ARTHUR, Steven, E. , TOOMER, Christopher, L. , OWEN, Sarah , VANDEBURG, Theodore
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/105
摘要： Methods, systems, and machine-readable media are disclosed for handling payment transactions in a mobile commerce system and initiated between mobile devices. According to one embodiment, a method of processing a payment transaction from a first mobile wallet application of a first mobile device to a second mobile wallet application of a second mobile device in a mobile commerce system can comprise receiving at a first acquirer system a communication from the first mobile device. The communication can be related to the payment transaction and can include information identifying a first financial account from which a payment is requested. A second acquirer system for authorizing the payment can be identified based on the information identifying the first financial account. The communication can be sent to the second acquirer system for authorization of the transaction based on the information related to the first financial account.
摘要翻译：公开了用于处理移动商务系统中的支付交易并在移动设备之间发起的方法，系统和机器可读介质。根据一个实施例，一种从移动商务系统中的第一移动设备的第一移动钱包应用程序处理支付交易到第二移动设备的第二移动钱包应用程序的方法可以包括在第一获取系统处接收来自第一个移动设备。通信可以与支付交易相关，并且可以包括识别要求付款的第一金融账户的信息。可以基于识别第一金融账户的信息来识别授权支付的第二收单系统。可以基于与第一金融账户相关的信息将通信发送到第二收单方系统以授权交易。

5. 发明申请

WO2005045601A2 SYSTEM FOR ACTIVATION OF MULTIPLE CARDS 审中-公开
标题翻译：多张卡的启动系统
公开(公告)号：WO2005045601A2
公开(公告)日：2005-05-19
申请号：PCT/US2004/032382
申请日：2004-10-01
申请人： FIRST DATA CORPORATION , ARTHUR, Steven, E.
发明人： ARTHUR, Steven, E.
IPC分类号： G06F
CPC分类号： G06Q20/20 , G06Q20/204 , G06Q20/354 , G06Q30/02
摘要： According to one embodiment of the invention, a system is provided for activating a plurality of cards. A first card number and a total number of cards can be provided to an activation system to process the activation of the plurality of cards.
摘要翻译：根据本发明的一个实施例，提供一种用于激活多个卡的系统。可以向激活系统提供第一卡号和总卡数以处理多个卡的激活。

6. 发明申请

WO2009126536A3 SYSTEM AND METHOD FOR PREVENTING GIFT CARD FRAUD 审中-公开
标题翻译：用于预防礼品卡欺诈的系统和方法
公开(公告)号：WO2009126536A3
公开(公告)日：2009-12-30
申请号：PCT/US2009039527
申请日：2009-04-03
申请人： FIRST DATA CORP , ESSLINGER BRET M , COMBS RICHARD D , ARTHUR STEVEN E
发明人： ESSLINGER BRET M , COMBS RICHARD D , ARTHUR STEVEN E
IPC分类号： G06F21/00 , G06K19/00 , G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/40
摘要： A gift card uses a fraud code stored on a magnetic stripe of the card to prevent fraudulent transactions. When the gift card is purchased at a POS terminal at a merchant location, a gift card account number stored on the magnetic stripe is read, and sent to a gift card system. The gift card system activates the card and generates the fraud code and returns it to the POS terminal, where a card encoder writes the fraud code onto the magnetic stripe. When the gift card is used to conduct a transaction, the transaction is permitted only if a valid fraud code is stored on the magnetic stripe.
摘要翻译：礼品卡使用存储在卡的磁条上的欺诈代码来防止欺诈性交易。当在商户位置的POS终端处购买礼品卡时，读取存储在磁条上的礼品卡帐号并将其发送到礼品卡系统。礼品卡系统激活卡片并生成欺诈代码并将其返回给POS终端，其中卡片编码器将欺诈代码写入磁条。当使用礼品卡进行交易时，只有在磁条上存储了有效的欺诈代码时才允许交易。

7. 发明申请

WO2009055463A1 INTEGRATED SERVICE DISCOVERY SYSTEMS AND METHODS 审中-公开
标题翻译：综合服务发现系统与方法
公开(公告)号：WO2009055463A1
公开(公告)日：2009-04-30
申请号：PCT/US2008/080777
申请日：2008-10-22
申请人： FIRST DATA CORPORATION , TOOMER, Christopher, L. , ARTHUR, Steven, E.
发明人： TOOMER, Christopher, L. , ARTHUR, Steven, E.
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0215 , G06Q30/0226 , G06Q30/06 , G06Q30/0601
摘要： A method of providing content to users includes, at a host computer, receiving a user-initiated request for the content. The request relates to specific service discovery-enabled media and the request includes an identifier. The method also includes using the identifier to locate the content, and providing the content to the user. The method also includes receiving at the host computer one of a user-initiated request to settle a transaction using a previously-identified account, a request to credit a purchase to a previously-identified loyalty program account, and a request to purchase an item from a specific merchant. The method also includes taking an action consistent with the second-listed receiving step.
摘要翻译：向用户提供内容的方法包括在主机计算机上接收用户发起的对内容的请求。该请求涉及具体的启用服务发现的媒体，并且请求包括标识符。该方法还包括使用标识符来定位内容，并向用户提供内容。该方法还包括在主计算机处接收用户发起的使用先前识别的帐户结算交易的请求之一，向先前确定的忠诚度计划帐户授予购买的请求，以及从购买项目的请求一个具体的商家。该方法还包括采取与第二列出的接收步骤一致的动作。

8. 发明申请

WO2009023572A2 METHODS AND SYSTEMS FOR BULK ACTIVATION OF MULTIPLE, DISPARATE STORED VALUE ACCOUNTS 审中-公开
标题翻译：用于批量激活多个不同的存储值帐户的方法和系统
公开(公告)号：WO2009023572A2
公开(公告)日：2009-02-19
申请号：PCT/US2008072638
申请日：2008-08-08
申请人： FIRST DATA CORP , DWYRE DOUGLAS P , ARTHUR STEVEN E , TOOMER CHRISTOPHER L , ALGIENE KENNETH
发明人： DWYRE DOUGLAS P , ARTHUR STEVEN E , TOOMER CHRISTOPHER L , ALGIENE KENNETH
IPC分类号： G06K5/00 , G06Q40/00
CPC分类号： G06Q20/208 , G06K19/00 , G06Q40/00
摘要： According to one embodiment of the invention, a method of activating a plurality of disparate stored value accounts utilizes a set of multiple presentation instruments redeemable at different merchants. Each presentation instrument includes a unique presentation instrument identifier used to associate value with the presentation instrument. Also, the set includes a set identifier, which may be included on a package that secures the presentation instruments together. In one embodiment, the set identifier is received over an electronic network, a list of the presentation instruments in the set is accessed from a computer database, and each of the presentation instruments is activated.
摘要翻译：根据本发明的一个实施例，一种激活多个不同的储值账户的方法利用可在不同商户处兑换的一组多个呈现工具。每个呈报工具都包含一个独特的呈现工具标识符，用于将价值与呈现工具相关联。此外，该集合还包含一个集合标识符，该集合标识符可以包含在将演示文书固定在一起的包中。在一个实施例中，通过电子网络接收该组标识符，从计算机数据库访问该组中的演示文档列表，并且激活每个演示文档。

9. 发明申请

WO2009018077A1 MOBILE COMMUNICATION SYSTEMS AND METHODS FOR REDEEMING AND REPORTING COUPONS 审中-公开
标题翻译：移动通信系统和方法，用于赎回和报告
公开(公告)号：WO2009018077A1
公开(公告)日：2009-02-05
申请号：PCT/US2008/070987
申请日：2008-07-24
申请人： FIRST DATA CORPORATION , BYERLEY, Douglas , CAWTHORNE, John , DEWAN, Sunil , SKOWRONEK, Daniel , ARTHUR, Steven, E. , TOOMER, Christopher, L.
发明人： BYERLEY, Douglas , CAWTHORNE, John , DEWAN, Sunil , SKOWRONEK, Daniel , ARTHUR, Steven, E. , TOOMER, Christopher, L.
IPC分类号： G06Q30/00
CPC分类号： G06Q20/32 , G06Q20/3223 , G06Q20/387 , G06Q30/02 , G06Q30/0207 , G06Q30/0239 , G06Q30/0241 , G06Q30/0601 , G07F17/42
摘要： Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices to redeem and report use of various marketing offers such as coupons. According to one embodiment, redeeming and reporting a marketing offer can comprise transmitting information related to the marketing offer from a mobile wallet of the mobile device to a target device. A redemption message can be received at the mobile wallet of the mobile device from the target device. The redemption message can indicate acceptance of the marketing offer. At least a portion of the redemption message can be sent from the mobile wallet of the mobile device to a service provider system providing communication services to the mobile device. Sending the redemption message from the mobile wallet of the mobile device to the service provider system can be performed via a wireless communications network such as a cellular network.
摘要翻译：公开了方法，系统和机器可读介质，以利用移动电子设备来兑换和报告各种营销优惠（例如优惠券）的使用。根据一个实施例，兑换和报告营销报价可以包括将与营销报价相关的信息从移动设备的移动钱包传送到目标设备。可以从目标设备在移动设备的移动钱包处接收兑换消息。兑换信息可以表示接受营销报价。救援消息的至少一部分可以从移动设备的移动钱包发送到向移动设备提供通信服务的服务提供商系统。可以通过诸如蜂窝网络的无线通信网络将从移动设备的移动钱包发送的兑换消息发送到服务提供商系统。

10. 发明申请

WO2008103882A2 ENROLLMENT AND REGISTRATION OF A DEVICE IN A MOBILE COMMERCE SYSTEM 审中-公开
标题翻译：移动商务系统中设备的注册和注册
公开(公告)号：WO2008103882A2
公开(公告)日：2008-08-28
申请号：PCT/US2008054676
申请日：2008-02-22
申请人： FIRST DATA CORP , ARTHUR STEVEN E , TOOMER CHRISTOPHER L , OWEN SARAH , VANDEBURG THEODORE
发明人： ARTHUR STEVEN E , TOOMER CHRISTOPHER L , OWEN SARAH , VANDEBURG THEODORE
IPC分类号： H04Q7/20
CPC分类号： G06Q20/322 , G06Q20/32
摘要： 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.
摘要翻译：公开了用于注册在移动商务系统中使用的移动设备的方法，系统和机器可读介质。根据一个实施例，用于在移动商务系统中使用的注册移动设备的方法可以包括在服务提供商系统处接收来自移动设备的用户的注册请求。可以对服务提供商系统做出是否允许移动设备的注册的确定。响应于确定允许移动设备的注册，可以将注册请求从服务提供商系统发送到收单方系统。

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