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1. 发明申请

WO2008112402A1 ACCOUNT INFORMATION LOOKUP SYSTEMS AND METHODS IN MOBILE COMMERCE 审中-公开
标题翻译：帐户信息查询系统和移动商业方法
公开(公告)号：WO2008112402A1
公开(公告)日：2008-09-18
申请号：PCT/US2008/054670
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： G06Q20/105
摘要： 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 com
摘要翻译：公开了用于向移动商务系统中的移动钱包应用提供帐户信息的方法，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提供用于金融账户的帐户信息的方法可以包括在移动钱包服务器处接收对帐户信息的请求。例如，帐户信息可以包括帐户余额。在另一个例子中，帐户信息可以com

2. 发明申请

WO2008103880A3 PAYMENTS USING A MOBILE COMMERCE DEVICE 审中-公开
公开(公告)号：WO2008103880A3
公开(公告)日：2008-08-28
申请号：PCT/US2008/054673
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： H04K1/00
摘要： 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.

3. 发明申请

WO2008103880A2 PAYMENTS USING A MOBILE COMMERCE DEVICE 审中-公开
标题翻译：使用移动商业设备付款
公开(公告)号：WO2008103880A2
公开(公告)日：2008-08-28
申请号：PCT/US2008054673
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： G06Q30/00
CPC分类号： G06Q20/12 , G06Q20/027 , G06Q20/085 , G06Q20/20 , G06Q20/32 , G06Q20/3278 , G06Q20/363 , G06Q30/06
摘要： 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.
摘要翻译：公开了用于处理移动商务系统中的支付交易的方法，系统和机器可读介质。根据一个实施例，处理移动商务系统中的支付交易的方法可以包括在第一获取者系统处接收来自销售点（POS）设备的通信。通信可以与支付交易相关并且可以包括识别请求支付的金融账户的信息。可以基于识别金融账户的信息来识别用于授权付款的第二收单机构。可以基于与金融账户相关的信息将通信发送给第二收单方系统以进行交易授权。可以从第二收单方系统接收交易是否被授权的指示。

4. 发明申请

WO2016057428A1 ANIMAL GROOMING TOOL 审中-公开
标题翻译：动物成型工具
公开(公告)号：WO2016057428A1
公开(公告)日：2016-04-14
申请号：PCT/US2015/054086
申请日：2015-10-05
申请人： OWEN, Sarah , DOMINGOS, Dennis
发明人： OWEN, Sarah , DOMINGOS, Dennis
IPC分类号： A01K13/00
CPC分类号： A01K13/002 , A01K13/00
摘要： A animal grooming tool (10) employs a substantially rectangular body (12) having a top surface (14), a lower surface (16), a first end (18), a second end (19) and two sides (20). The body is composed of flexible material with a hardness of between 20 and 60 Shore A for enhanced attraction of hair for removal.
摘要翻译：动物美容工具（10）采用具有顶表面（14），下表面（16），第一端（18），第二端（19）和两侧（20）的基本为矩形的主体（12）。身体由硬度为20至60肖氏硬度的柔性材料组成，以增强头发的吸引力。

5. 发明申请

WO2008112402A8 ACCOUNT INFORMATION LOOKUP SYSTEMS AND METHODS IN MOBILE COMMERCE 审中-公开
标题翻译：帐户信息查询系统和移动商业方法
公开(公告)号：WO2008112402A8
公开(公告)日：2008-11-13
申请号：PCT/US2008054670
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： G06Q40/00
CPC分类号： G06Q20/105
摘要： 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.
摘要翻译：公开了用于向移动商务系统中的移动钱包应用提供帐户信息的方法，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提供用于金融账户的帐户信息的方法可以包括在移动钱包服务器处接收对帐户信息的请求。例如，帐户信息可以包括帐户余额。在另一示例中，帐户信息可以包括帐户交易历史。帐户查询可以从移动钱包服务器发送到收单方系统。账户信息可以从移动钱包服务器从收单方系统接收，并从移动钱包服务器发送到移动装置的移动钱包。

6. 发明申请

WO2008103879A2 PROVISIONING OF A DEVICE FOR MOBILE COMMERCE 审中-公开
标题翻译：为移动商务提供设备
公开(公告)号：WO2008103879A2
公开(公告)日：2008-08-28
申请号：PCT/US2008/054672
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： G06Q40/02 , 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供应信息的方法，系统和机器可读介质。根据一个实施例，一种向移动设备的移动钱包应用供应信息的方法可以包括：在移动钱包服务器处从收单方系统接收针对移动设备的注册信息。可以基于注册信息做出关于移动设备的移动钱包是否先前已经被供应的确定。响应于确定移动设备的移动钱包先前未被供应，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，指示移动钱包可用于下载的通知。

7. 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。

8. 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。

9. 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。

10. 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。

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