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1. 发明申请

WO2009114280A3 INTERCHANGE FEE NOTIFICATION 审中-公开
标题翻译：互通费通知
公开(公告)号：WO2009114280A3
公开(公告)日：2009-12-30
申请号：PCT/US2009035324
申请日：2009-02-26
申请人： FIRST DATA CORP , SKOWRONEK DAN , BRYLA NICHOLAS , OLSON MIRA , LOPEZ CHRISTINE
发明人： SKOWRONEK DAN , BRYLA NICHOLAS , OLSON MIRA , LOPEZ CHRISTINE
IPC分类号： H04K1/00
CPC分类号： G06Q20/24 , G06Q20/10 , G06Q20/14 , G06Q20/145 , G06Q20/202 , G06Q20/405 , G06Q30/04 , G06Q40/00 , G07F17/0014
摘要： The embodiments described provide for systems and methods that alert a merchant of increased interchange fees. An increased interchange fee occurs when an electronic transaction, such as a credit card transaction, deviates from a standard set of criteria. For example, the sales person enters the credit card number rather than swipe the magnetic stripe of the credit card. In one embodiment, transaction information is provided to a merchant. The merchant sends the transaction information to an application. If the transaction is non-standard, the application can produce a notification that is sent to the merchant. The merchant may then address the causes of the increased interchange fee.
摘要翻译：所描述的实施例提供了提醒商家增加的交换费用的系统和方法。当电子交易（例如信用卡交易）偏离标准的标准集合时，会发生增加的兑换费用。例如，销售人员输入信用卡号码，而不是刷卡信用卡的磁条。在一个实施例中，交易信息被提供给商家。商家将交易信息发送给应用程序。如果交易是非标准的，则应用程序可以产生发送给商家的通知。商人可能会解决交换费用增加的原因。

2. 发明申请

WO2010011670A3 MOBILE PAYMENT ADOPTION BY ADDING A DEDICATED PAYMENT BUTTON TO MOBILE DEVICE FORM FACTORS 审中-公开
标题翻译：通过向移动设备形式因子添加专用付款按钮的移动支付通过
公开(公告)号：WO2010011670A3
公开(公告)日：2010-05-14
申请号：PCT/US2009051283
申请日：2009-07-21
申请人： FIRST DATA CORP , SKOWRONEK DAN , VANDEBURG THEODORE , OWEN SARAH
发明人： SKOWRONEK DAN , VANDEBURG THEODORE , OWEN SARAH
IPC分类号： G06Q20/00 , G06F3/048 , G06K17/00 , H04W4/24 , H04W12/06 , H04W84/10
CPC分类号： G06Q20/3278 , G06Q20/10 , G06Q20/32 , G06Q20/322
摘要： Embodiments presented herein generally relate to a novel mobile device containing a near field communication (NFC) component. In embodiments, the mobile device includes a payment user interface device. The payment user interface device may be a button on a keypad or may be an icon on a user interface. In embodiments, only after activating, by depressing or selecting, the payment user interface device can allow a user to use the NFC component. In embodiments, the NFC component is powered off until the activation of the payment user interface device.
摘要翻译：本文呈现的实施例通常涉及包含近场通信（NFC）组件的新型移动设备。在实施例中，移动设备包括支付用户界面设备。支付用户界面设备可以是小键盘上的按钮，或者可以是用户界面上的图标。在实施例中，只有通过按压或选择激活，支付用户界面设备才允许用户使用NFC组件。在实施例中，NFC组件被断电直到支付用户界面设备的激活。

3. 发明申请

WO2010005981A3 CUSTOMER PRE-SELECTED ELECTRONIC COUPONS 审中-公开
标题翻译：客户预先选择的电子优惠券
公开(公告)号：WO2010005981A3
公开(公告)日：2010-03-04
申请号：PCT/US2009049830
申请日：2009-07-07
申请人： FIRST DATA CORP , SKOWRONEK DAN , MOREA DOMINIC
发明人： SKOWRONEK DAN , MOREA DOMINIC
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02
摘要： Embodiments presented herein generally relate to novel systems and methods for managing electronic coupons. In embodiments, the user uploads one or more coupons into a mobile device. While shopping, the mobile device receives communications from one or more NFC sensors/transmitters associated with one or more products in one or more product displays. The mobile device can determine from information in the communication to which product the communication applies. The mobile device can then search for one or more uploaded coupons that apply to the one or more products. In embodiments, the mobile device alerts the user when one or more of the coupons apply.
摘要翻译：这里给出的实施例一般涉及用于管理电子优惠券的新颖系统和方法。在实施例中，用户将一个或多个优惠券上传到移动设备中。在购物时，移动设备接收来自与一个或多个产品显示器中的一个或多个产品相关联的一个或多个NFC传感器/发射器的通信。移动设备可以根据通信中的信息确定通信应用于哪个产品。然后移动设备可以搜索适用于一个或多个产品的一个或多个上传的优惠券。在实施例中，当一个或多个优惠券适用时，移动设备提醒用户。

4. 发明申请

WO2009117268A3 CUSTOMER LOYALTY PROGRAM WITH SHARED DATA AND SUB-PROGRAMS 审中-公开
标题翻译：具有共享数据和子程序的客户LOYALTY程序
公开(公告)号：WO2009117268A3
公开(公告)日：2009-12-30
申请号：PCT/US2009036496
申请日：2009-03-09
申请人： FIRST DATA CORP , SKOWRONEK DAN , DEWAN SUNIL , KNOWLES KEVIN , KIEFER STUART
发明人： SKOWRONEK DAN , DEWAN SUNIL , KNOWLES KEVIN , KIEFER STUART
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0226
摘要： Embodiments of the present disclosure provide systems and methods for increasing participation in loyalty programs. In embodiments, the customer opts into a loyalty program. The customer is then provided with information about his or her loyalty participation and also is provided with information about one or more other customer's participation in the loyalty program. In another embodiment, one or more loyalty members can form their own competition or group within the loyalty program. The members can create loyalty sub program rules for a competition and allow fellow loyalty members to participate in the competition. The customizable loyalty sub-program competitions further enhance member participation.
摘要翻译：本公开的实施例提供了用于增加对忠诚度计划的参与的系统和方法。在实施例中，客户选择加入忠诚度计划。然后向客户提供关于他或她的忠诚度参与的信息，并且还提供关于一个或多个其他客户参与忠诚度计划的信息。在另一个实施例中，一个或多个忠诚度成员可以在忠诚度计划内形成自己的竞争或组合。会员可以为竞赛制定忠诚度子计划规则，并允许忠诚会员参与比赛。可定制的忠诚度子项目比赛进一步增强了会员参与度。

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