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1. 发明申请

US20120239500A1 USER IDENTIFICATION WITHIN A PHYSICAL MERCHANT LOCATION THROUGH THE USE OF A WIRELESS NETWORK 审中-公开
标题翻译：通过使用无线网络在物理商业地点进行用户识别
公开(公告)号：US20120239500A1
公开(公告)日：2012-09-20
申请号：US13048060
申请日：2011-03-15
申请人： Scott P. MONAHAN
发明人： Scott P. MONAHAN
IPC分类号： G06Q30/00 , H04W4/02
CPC分类号： H04W4/021 , G01S5/0036 , G01S5/0252 , G06Q30/02 , H04L67/26 , H04W4/21 , H04W64/00 , H04W84/12
摘要： A method and system are described for determining a location of a consumer within a retail establishment, or other geographical proximity. The method and system use a portable computing device (“PCD”) such as, but not limited to, a mobile phone. The system and method may leverage existing infrastructure, such as wireless routers, to assist the PCD and a remote server in communication with the PCD to determine a location of a consumer in possession of the PCD within a retail location. The system may comprise a PCD running a geo-network discovery (“GND”) module, a server running a service set identifier (“SSID”) verification and rules (“V/R”) module, a telecommunications network, and a wireless router configured to broadcast a unique SSID.
摘要翻译：描述了用于确定零售企业内的消费者的位置或其他地理邻近度的方法和系统。该方法和系统使用诸如但不限于移动电话的便携式计算设备（“PCD”）。系统和方法可以利用诸如无线路由器之类的现有基础设施来协助PCD和与PCD通信的远程服务器来确定在零售地点内拥有PCD的消费者的位置。该系统可以包括运行地理网络发现（“GND”）模块的PCD，运行服务集标识符（“SSID”）验证和规则（“V / R”）模块，电信网络和无线路由器配置为广播唯一的SSID。

2. 发明申请

US20100125510A1 SYSTEM AND METHOD OF CONDUCTING TRANSACTIONS USING A MOBILE WALLET SYSTEM 审中-公开
标题翻译：使用移动电子钱包系统进行交易的系统和方法
公开(公告)号：US20100125510A1
公开(公告)日：2010-05-20
申请号：US12562593
申请日：2009-09-18
申请人： Steven M. Smith , Brady L. Rackley , Ben D. Ackerman , Nanci Rainey , Warren D. Porter , Aidoo Osei , Robert L. Dessert , Karthik R. Iyer , Kyle Cochran , James P. Mason , Scott P. Monahan
发明人： Steven M. Smith , Brady L. Rackley , Ben D. Ackerman , Nanci Rainey , Warren D. Porter , Aidoo Osei , Robert L. Dessert , Karthik R. Iyer , Kyle Cochran , James P. Mason , Scott P. Monahan
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/322 , G06Q20/385 , G06Q20/425 , H04L63/0838 , H04L2463/102
摘要： A method of managing transactions between a mobile wallet within a mobile device and a point-of-sale terminal at a merchant is disclosed and may include receiving a request for a purchase code from the mobile wallet, generating a short-term purchase code, transmitting the short-term purchase code to the mobile wallet, and receiving the short-term purchase code from the merchant.
摘要翻译：公开了一种管理移动设备内的移动钱包与商户的销售点终端之间的交易的方法，并且可以包括从移动钱包接收购买代码的请求，生成短期购买代码，发送短期购买代码到手机钱包，并从商家接收短期购买代码。

3. 发明授权

US10542372B2 User identification within a physical merchant location through the use of a wireless network 有权
公开(公告)号：US10542372B2
公开(公告)日：2020-01-21
申请号：US13048060
申请日：2011-03-15
申请人： Scott P. Monahan
发明人： Scott P. Monahan
IPC分类号： G06Q30/02 , H04W4/021 , G01S5/02 , G01S5/00 , H04L29/08 , H04W64/00 , H04W4/21 , H04W84/12
摘要： A method and system are described for determining a location of a consumer within a retail establishment, or other geographical proximity. The method and system use a portable computing device (“PCD”) such as, but not limited to, a mobile phone. The system and method may leverage existing infrastructure, such as wireless routers, to assist the PCD and a remote server in communication with the PCD to determine a location of a consumer in possession of the PCD within a retail location. The system may comprise a PCD running a geo-network discovery (“GND”) module, a server running a service set identifier (“SSID”) verification and rules (“V/R”) module, a telecommunications network, and a wireless router configured to broadcast a unique SSID.

4. 发明申请

US20120296725A1 SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE 审中-公开
标题翻译：用便携式计算设备管理交易的系统和方法
公开(公告)号：US20120296725A1
公开(公告)日：2012-11-22
申请号：US13177973
申请日：2011-07-07
申请人： Robert L. DESSERT , Robert Canterbury , Frank T. Young , Scott P. Monahan , Rolando F. De Gracia
发明人： Robert L. DESSERT , Robert Canterbury , Frank T. Young , Scott P. Monahan , Rolando F. De Gracia
IPC分类号： G06Q30/00
CPC分类号： G06Q20/027 , G06Q20/20 , G06Q20/322 , G06Q20/3278 , G06Q30/0208 , G06Q30/0238
摘要： A method and system include verifying credentials for gaining access to a central mobile payment controller using the portable computing device (“PCD”). The central mobile payment controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The central controller may also receive product scan data and compare the product scan data against one of offer data and coupon data in a database. After these comparisons, any matches of product scan data to offer data or coupon data may be sent to the PCD and an electronic cash register (“ECR”). Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the PCD and ECR. During or after the purchase transaction, a message may be generated by the central mobile payment controller which lists one or more preferred payment options.
摘要翻译：一种方法和系统包括验证用于使用便携式计算设备（PCD）访问中央移动支付控制器的证书。中央移动支付控制器可以接收对应于商家的商家标识符，然后可以将商家标识符与存储在数据库中的忠诚帐户数据进行比较。中央控制器还可以接收产品扫描数据，并将产品扫描数据与数据库中的提供数据和优惠券数据之一进行比较。经过这些比较之后，可以向PCD和电子收银机（ECR）发送任何产品扫描数据匹配以提供数据或优惠券数据。类似地，可以将商家标识符与忠诚度帐户数据的任何匹配发送到PCD和ECR。在购买交易期间或之后，可以由列出一个或多个优选支付选项的中央移动支付控制器产生消息。

5. 发明申请

US20130159178A1 System and Method For Loading A Virtual Token Managed By A Mobile Wallet System 审中-公开
标题翻译：用于加载由移动钱包系统管理的虚拟令牌的系统和方法
公开(公告)号：US20130159178A1
公开(公告)日：2013-06-20
申请号：US13348763
申请日：2012-01-12
申请人： Christopher Q. Colon , Scott P. Monahan , Robert L. Dessert
发明人： Christopher Q. Colon , Scott P. Monahan , Robert L. Dessert
IPC分类号： G06Q20/36
CPC分类号： G06Q20/36 , G06Q20/325 , G06Q20/351 , G06Q20/385
摘要： A method and system include receiving a payment account number from a token, such as a traditional credit card. Either the payment account number or a token is communicated over a communications network to a mobile wallet system and/or a vault. A first authorization code may be generated in response to receiving the payment account number or token. Next, the first authorization code is then transmitted over the communications network for relaying the first authorization code to a portable computing device, such as a mobile phone. The portable computing device receives the authorization code and re-transmits the code (as a second authorization code) over the communications network. Subsequently, the first and second code from the portable computing device are compared to determine if a match exists. If a match exists, then the payment account number is loaded into the mobile wallet system for use as a virtual token.
摘要翻译：方法和系统包括从诸如传统信用卡的令牌接收支付帐号。支付帐号或令牌通过通信网络传送到移动钱包系统和/或保管库。可以响应于接收到支付帐号或令牌而产生第一授权码。接下来，然后通过通信网络发送第一授权码，用于将第一授权码中继到诸如移动电话的便携式计算设备。便携式计算设备接收授权码并通过通信网络重新发送代码（作为第二授权码）。随后，比较来自便携式计算设备的第一和第二代码以确定是否存在匹配。如果存在匹配项，则支付帐号被加载到移动钱包系统中以用作虚拟令牌。

6. 发明申请

US20100125495A1 SYSTEM AND METHOD OF PROVIDING A MOBILE WALLET AT A MOBILE TELEPHONE 审中-公开
标题翻译：在移动电话上提供移动电子钱包的系统和方法
公开(公告)号：US20100125495A1
公开(公告)日：2010-05-20
申请号：US12562576
申请日：2009-09-18
申请人： Steven M. Smith , Brady L. Rackley , Ben D. Ackerman , Nanci Rainey , Warren D. Porter , Aidoo Osei , Robert L. Dessert , Karthik R. Iyer , Kyle Cochran , James P. Mason , Scott P. Monahan
发明人： Steven M. Smith , Brady L. Rackley , Ben D. Ackerman , Nanci Rainey , Warren D. Porter , Aidoo Osei , Robert L. Dessert , Karthik R. Iyer , Kyle Cochran , James P. Mason , Scott P. Monahan
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/3223 , G06Q30/0222 , G06Q30/04 , G06Q30/0601 , G06Q40/00 , G06Q40/12
摘要： A method of providing a mobile wallet is disclosed and may include displaying a mobile wallet login screen and displaying a mobile wallet. The mobile wallet includes at least one of the following: an accounts option, a buy now option, an offers option, a receipts option, and a more option. The method further includes displaying one or more accounts when the accounts option is selected. The one or more accounts may include at least one of the following: a bank account, a credit account, a gift card account, and a rewards account.
摘要翻译：公开了提供移动钱包的方法，并且可以包括显示移动钱包登录屏幕并显示移动钱包。移动钱包至少包括以下之一：帐户选项，现在购买选项，优惠选项，收据选项和更多选项。该方法还包括当选择帐户选项时显示一个或多个帐户。一个或多个帐户可以包括以下中的至少一个：银行帐户，信用账户，礼品卡帐户和奖励账户。

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