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1. 发明授权

US09672509B2 System and method for facilitating a purchase transaction using a customer device beacon 有权
公开(公告)号：US09672509B2
公开(公告)日：2017-06-06
申请号：US14497772
申请日：2014-09-26
申请人： Apriva, LLC
发明人： Michael S. Klingen
IPC分类号： G06K5/00 , G06Q20/32 , G06Q20/02 , G06Q20/42
CPC分类号： G06Q20/322 , G06Q20/027 , G06Q20/42
摘要： In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway Processes the purchase transaction based on the payment account information.

2. 发明申请

US20160239824A1 METHOD AND SYSTEM FOR PROCESSING A MOBILE PAYMENT TRANSACTION 审中-公开
标题翻译：用于处理移动支付交易的方法和系统
公开(公告)号：US20160239824A1
公开(公告)日：2016-08-18
申请号：US14625152
申请日：2015-02-18
申请人： Apriva, LLC
发明人： MICHAEL S. KLINGEN , EDWARD F. STAIANO
IPC分类号： G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/322 , G06Q20/3821 , G06Q20/385
摘要： In a transaction between a merchant and a customer, a mobile payment token is provided which includes a mobile payment indicator that indicates payment is to be facilitated by interaction with a customer mobile device, and a mobile device identifier that uniquely identifies the customer mobile device. The mobile payment token is provided in a transaction message to a transaction processing component in place of, and consistent with a format of, a primary account number (PAN). The transaction processing component, upon determining the transaction message contains a mobile payment indicator, sends the mobile device identifier to a mobile payment server which uses the mobile device identifier to interact with the customer mobile device to facilitate the payment transaction. Based on a reply from the customer mobile device, the mobile payment server provides information to the transaction processing component to complete the transaction.
摘要翻译：在商家和客户之间的交易中，提供移动支付令牌，其包括通过与客户移动设备的交互来促进支付的移动支付指示符，以及唯一标识客户移动设备的移动设备标识符。将交易消息中的移动支付令牌提供给事务处理组件以代替主帐号（PAN）的格式并与之一致。交易处理组件在确定交易消息时包含移动支付指示符，将移动设备标识符发送到移动支付服务器，移动支付服务器使用移动设备标识符与客户移动设备进行交互以便于支付交易。基于来自客户移动设备的回复，移动支付服务器向交易处理组件提供信息以完成交易。

3. 发明申请

US20150169692A1 SYSTEM AND METHOD FOR ACQUIRING AND INTEGRATING MULTI-SOURCE INFORMATION FOR ADVANCED ANALYSTICS AND VISUALIZATION 审中-公开
标题翻译：用于获取和整合用于高级分析和可视化的多源信息的系统和方法
公开(公告)号：US20150169692A1
公开(公告)日：2015-06-18
申请号：US14132836
申请日：2013-12-18
申请人： Apriva, LLC
发明人： Michael S. Klingen
IPC分类号： G06F17/30
CPC分类号： G06Q30/06 , G06F16/25
摘要： The present invention relates generally to a system and device for compartmentalizing data acquisition functions within hardware and software components, web services, and the like. More specifically, the system comprises a number of data providers including web services configured to receive transaction parameters from a payment network gateway system. The gateway system routes payment requests to appropriate payment processors and further parses the payment request for parameters. An information request including the parameters is sent to a cataloging service, which selects one or more web services based on the information request and parameters. The cataloging service sends the parameters to the one or more web services, which retrieves information based on a parameter and returns the information to the gateway server. The gateway server processes the information with the original transaction data and stores the combined information in a database.
摘要翻译：本发明一般涉及用于在硬件和软件组件，web服务等中划分数据采集功能的系统和装置。更具体地，该系统包括多个数据提供者，包括被配置为从支付网络网关系统接收交易参数的web服务。网关系统将支付请求路由到适当的支付处理器，并进一步解析参数的支付请求。包括参数的信息请求被发送到编目服务，编目服务基于信息请求和参数来选择一个或多个web服务。编目服务将参数发送到一个或多个Web服务，该服务将根据参数检索信息，并将信息返回给网关服务器。网关服务器使用原始事务数据处理信息，并将组合的信息存储在数据库中。

4. 发明授权

US09008638B2 System and method for deploying application program components having a service sector to wireless devices 有权
标题翻译：将具有服务扇区的应用程序组件部署到无线设备的系统和方法
公开(公告)号：US09008638B2
公开(公告)日：2015-04-14
申请号：US12251203
申请日：2008-10-14
申请人： Paul D Coppinger , Michael S Klingen , Rinaldo A Spinella
发明人： Paul D Coppinger , Michael S Klingen , Rinaldo A Spinella
IPC分类号： H04W60/00 , G06F9/445 , G06Q20/10 , G06Q20/32 , G06Q20/40 , G06Q30/06 , G06Q50/06 , H04L12/66 , H04W84/02 , H04L29/08
CPC分类号： H04W60/00 , G06F8/65 , G06Q20/102 , G06Q20/32 , G06Q20/325 , G06Q20/40 , G06Q30/0603 , G06Q50/06 , H04L12/66 , H04L67/04 , H04L67/16 , H04L67/28 , H04L67/2823 , H04W84/02 , Y10S707/99945 , Y10S707/99948
摘要： A communication system includes a development sector for registering a plurality of wireless devices, a business sector for controlling utilization of an application program and for receiving application data, a service sector for deploying the application program and for providing the application data to the business sector in accordance with communication with at least one wireless device of the plurality; and a mobile sector comprising the plurality of wireless devices, each device for receiving the application program deployed by the service sector, executing the application program in response to the business sector, and communicating with the service sector to support provision of the application data to the business sector. The wireless device, such as a cell phone, personal digital assistant, or palm top computer may include an auxiliary device such as a bar code scanner, a magnetic stripe card reader, or a printer. The business sector or service sector may monitor or limit utilization of the auxiliary device. Deployment of application programs may be controlled by the business sector or the development sector by rendering an application program or auxiliary device available for use only after a particular time or after receipt of a message. Distributed processing application programs having components in the business, service, and mobile sectors may thereby be updated in an orderly manner. An application program on a wireless device may assist confirmation of an order made by a buyer via a web site. The wireless device is expected to be operated by the buyer. Fraud reporting is accomplished by comparing data obtained by registration of the wireless device with data provided in the confirmation.
摘要翻译：通信系统包括用于登记多个无线设备的开发部门，用于控制应用程序的利用和用于接收应用数据的业务部门，用于部署应用程序的服务部门，以及用于将应用数据提供给业务部门根据与所述多个的至少一个无线设备的通信; 以及包括所述多个无线设备的移动扇区，用于接收由所述服务扇区部署的所述应用程序的每个设备，响应于所述业务扇区执行所述应用程序，以及与所述服务扇区进行通信，以支持向所述服务扇区提供所述应用数据商业部门。诸如蜂窝电话，个人数字助理或掌上电脑的无线设备可以包括诸如条形码扫描器，磁条读卡器或打印机的辅助设备。商业部门或服务部门可以监视或限制辅助设备的利用。应用程序的部署可以由业务部门或开发部门通过使应用程序或辅助设备仅在特定时间之后或在接收到消息之后才可使用来控制。因此，可以有序地更新具有业务，服务和移动扇区中的组件的分布式处理应用程序。无线设备上的应用程序可以帮助确认买方通过网站进行的订单。无线设备预计由买方操作。通过将通过无线设备的注册获得的数据与确认中提供的数据进行比较来实现欺诈报告。

5. 发明授权

US08989723B2 System and method for deploying a payment application on a wireless device 有权
标题翻译：在无线设备上部署支付应用的系统和方法
公开(公告)号：US08989723B2
公开(公告)日：2015-03-24
申请号：US11784842
申请日：2007-04-09
申请人： Paul D. Coppinger , Michael S. Klingen , Rinaldo Anthony Spinella
发明人： Paul D. Coppinger , Michael S. Klingen , Rinaldo Anthony Spinella
IPC分类号： H04W60/00 , G06F9/445 , G06Q20/10 , G06Q20/32 , G06Q20/40 , G06Q30/06 , G06Q50/06 , H04L12/66 , H04W84/02 , H04L29/08
CPC分类号： H04W60/00 , G06F8/65 , G06Q20/102 , G06Q20/32 , G06Q20/325 , G06Q20/40 , G06Q30/0603 , G06Q50/06 , H04L12/66 , H04L67/04 , H04L67/16 , H04L67/28 , H04L67/2823 , H04W84/02 , Y10S707/99945 , Y10S707/99948
摘要： A communication system includes a development sector for registering a plurality of wireless devices, a business sector for controlling utilization of an application program and for receiving application data, a service sector for deploying the application program and for providing the application data to the business sector in accordance with communication with at least one wireless device of the plurality; and a mobile sector comprising the plurality of wireless devices, each device for receiving the application program deployed by the service sector, executing the application program in response to the business sector, and communicating with the service sector to support provision of the application data to the business sector. The wireless device, such as a cell phone, personal digital assistant, or palm top computer may include an auxiliary device such as a bar code scanner, a magnetic stripe card reader, or a printer. The business sector or service sector may monitor or limit utilization of the auxiliary device. Deployment of application programs may be controlled by the business sector or the development sector by rendering an application program or auxiliary device available for use only after a particular time or after receipt of a message. Distributed processing application programs having components in the business, service, and mobile sectors may thereby be updated in an orderly manner. An application program on a wireless device may assist confirmation of an order made by a buyer via a web site. The wireless device is expected to be operated by the buyer. Fraud reporting is accomplished by comparing data obtained by registration of the wireless device with data provided in the confirmation.
摘要翻译：通信系统包括用于登记多个无线设备的开发部门，用于控制应用程序的利用和用于接收应用数据的业务部门，用于部署应用程序的服务部门，以及用于将应用数据提供给业务部门根据与所述多个的至少一个无线设备的通信; 以及包括所述多个无线设备的移动扇区，用于接收由所述服务扇区部署的所述应用程序的每个设备，响应于所述业务扇区执行所述应用程序，以及与所述服务扇区进行通信，以支持向所述服务扇区提供所述应用数据商业部门。诸如蜂窝电话，个人数字助理或掌上电脑的无线设备可以包括诸如条形码扫描器，磁条读卡器或打印机的辅助设备。商业部门或服务部门可以监视或限制辅助设备的利用。应用程序的部署可以由业务部门或开发部门通过使应用程序或辅助设备仅在特定时间之后或在接收到消息之后才可使用来控制。因此，可以有序地更新具有业务，服务和移动扇区中的组件的分布式处理应用程序。无线设备上的应用程序可以帮助确认买方通过网站进行的订单。无线设备预计由买方操作。通过将通过无线设备的注册获得的数据与确认中提供的数据进行比较来实现欺诈报告。

6. 发明申请

US20130046608A1 METHOD AND SYSTEM FOR ENROLLING A CUSTOMER IN A LOYALTY CAMPAIGN BASED ON A MOBILE DEVICE IDENTIFIER 审中-公开
标题翻译：基于移动设备识别器在LOYALTY CAMPAIGN中加入客户的方法和系统
公开(公告)号：US20130046608A1
公开(公告)日：2013-02-21
申请号：US13654178
申请日：2012-10-17
申请人： APRIVA, LLC
发明人： Paul D. Coppinger
IPC分类号： G06Q30/02 , G06Q20/20
CPC分类号： G06Q30/0239 , G06Q30/0236
摘要： A loyalty gateway (130) obtains, from a point of sale device (120), a mobile device identifier corresponding to a mobile device (110) of the customer and transaction information including a transaction account identifier corresponding to a transaction instrument (115) of the customer. The loyalty gateway (130) searches a database (135) for the mobile device identifier, stores the mobile device identifier in the database (135) upon determining that the mobile device identifier is not previously stored in the database (135) and stores the transaction account identifier in the database (135) in association with the mobile device identifier. Subsequently, upon obtaining the transaction account identifier or the mobile device identifier, the loyalty gateway (130) provides to the customer a loyalty benefit such as a free item, a discount on a purchase, or loyalty points applicable to a purchase.
摘要翻译：忠诚网关（130）从销售点（120）获得与客户的移动设备（110）相对应的移动设备标识符和交易信息，交易信息包括对应于交易工具（115）的交易账户标识符客户。忠诚网关（130）在数据库（135）中搜索移动设备标识符，在确定移动设备标识符先前未被存储在数据库（135）中之后将移动设备标识符存储在数据库（135）中并存储该事务与移动设备标识符相关联的数据库（135）中的帐户标识符。随后，在获得交易帐户标识符或移动设备标识符之后，忠诚度网关（130）向客户提供诸如免费项目，购买折扣或适用于购买的忠诚度点之类的忠诚度收益。

7. 发明申请

US20130046600A1 RULE BASED SELECTION OF A TRANSACTION INSTRUMENT IN A LOYALTY CAMPAIGN 审中-公开
标题翻译：基于规则的选择交易仪器在LOYALTY CAMPAIGN
公开(公告)号：US20130046600A1
公开(公告)日：2013-02-21
申请号：US13654207
申请日：2012-10-17
申请人： Apriva, LLC
发明人： Paul D. Coppinger
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0239 , G06Q30/0236
摘要： A loyalty gateway (130) determines a mobile device identifier of a customer based on transaction information obtained from a point of sale device (120) and searches a database (135) to determine whether the mobile device identifier is associated in the database (135) with multiple transaction instrument identifiers. If so, the loyalty gateway (130) selects one of the multiple transaction account identifiers by applying a predefined rule and applies a transaction instrument (115) corresponding to the selected transaction account identifier in payment for the transaction and provides to the customer associated with the mobile device identifier a loyalty benefit such as a free item, a discount on a purchase, or loyalty points applicable to a purchase. The predefined rule may be based on, for example, a purchase amount, purchase date, product identifier or merchant identifier.
摘要翻译：忠诚网关（130）基于从销售点设备（120）获得的交易信息来确定客户的移动设备标识符，并且搜索数据库（135）以确定移动设备标识符是否与数据库（135）相关联，具有多个交易工具标识符。如果是，则忠诚网关（130）通过应用预定义的规则来选择多个交易账户标识符中的一个，并且将与所选择的交易账户标识符相对应的交易工具（115）应用于交易的支付，并提供给与移动设备识别出诸如免费项目，购买折扣或适用于购买的忠诚度点之类的忠诚度收益。预定义规则可以基于例如购买金额，购买日期，商品标识符或商家标识符。

8. 发明申请

US20130046599A1 METHOD AND SYSTEM FOR OBTAINING CUSTOMER SELECTION OF A TRANSACTION INSTRUMENT IN A LOYALTY CAMPAIGN 审中-公开
标题翻译：客户选择交易仪器在LOYALTY CAMPAIGN的方法和系统
公开(公告)号：US20130046599A1
公开(公告)日：2013-02-21
申请号：US13654203
申请日：2012-10-17
申请人： Apriva, LLC
发明人： Paul D. Coppinger
IPC分类号： G06Q30/02 , G06Q30/06
CPC分类号： G06Q30/0239 , G06Q30/0236
摘要： A loyalty gateway (130) determines a. mobile device identifier of a customer based on transaction information obtained from a point of sale device (120) and searches a database (135) to determine whether the mobile device identifier is associated in the database (135) with multiple transaction instrument identifiers. If the mobile device identifier is associated with multiple transaction account identifiers, the loyalty gateway (130) communicates with a mobile device (110) of the customer to obtain from the customer a selection of one of the transaction instrument identifiers and applies a transaction instrument (115) corresponding to the selected transaction account identifier in payment for the transaction. Thereafter, the loyalty gateway (130) provides to the customer associated with the mobile device identifier a loyalty benefit such as a free item, a discount on a purchase, or loyalty points applicable to a purchase.
摘要翻译：忠诚网关（130）确定一个。基于从销售点设备（120）获得的交易信息，并且搜索数据库（135）以确定移动设备标识符是否与多个交易工具标识符相关联在数据库（135）中的客户的移动设备标识符。如果移动设备标识符与多个交易帐户标识符相关联，则忠诚度网关（130）与客户的移动设备（110）进行通信，以从客户获得交易工具标识符之一的选择，并应用交易工具 115）对应于所交易的交易帐户标识符。此后，忠诚度网关（130）向与移动设备标识符相关联的客户提供诸如免费项目，购买折扣或适用于购买的忠诚度点之类的忠诚度收益。

9. 发明申请

US20130041736A1 METHOD AND SYSTEM FOR ADDING A MERCHANT TO A LOYALTY CAMPAIGN 审中-公开
标题翻译：将商品添加到LOYALTY CAMPAIGN的方法和系统
公开(公告)号：US20130041736A1
公开(公告)日：2013-02-14
申请号：US13654210
申请日：2012-10-17
申请人： Apriva, LLC
发明人： Paul D. Coppinger
IPC分类号： G06Q30/02 , G06Q30/06
CPC分类号： G06Q30/0239 , G06Q30/0236
摘要： A loyalty gateway (130) determines a mobile device identifier of a customer based on transaction information obtained from a point of sale device (120) and searches a database (135) to determine whether the mobile device identifier is associated in the database (135) with multiple transaction instrument identifiers. If so, the loyalty gateway (130) selects one of the multiple transaction account identifiers by applying a predefined rule and applies a transaction instrument (115) corresponding to the selected transaction account identifier in payment for the transaction and provides to the customer associated with the mobile device identifier a loyalty benefit such as a free item, a discount on a purchase, or loyalty points applicable to a purchase. The predefined rule may be based on, for example, a purchase amount, purchase date, product identifier or merchant identifier.
摘要翻译：忠诚网关（130）基于从销售点设备（120）获得的交易信息来确定客户的移动设备标识符，并且搜索数据库（135）以确定移动设备标识符是否与数据库（135）相关联，具有多个交易工具标识符。如果是，则忠诚网关（130）通过应用预定义的规则来选择多个交易账户标识符中的一个，并且将与所选择的交易账户标识符相对应的交易工具（115）应用于交易的支付中，并提供给与移动设备识别出诸如免费项目，购买折扣或适用于购买的忠诚度点之类的忠诚度收益。预定义规则可以基于例如购买金额，购买日期，商品标识符或商家标识符。

10. 发明授权

US08295834B2 System and method for registration for application program deployment 有权
标题翻译：用于应用程序部署注册的系统和方法
公开(公告)号：US08295834B2
公开(公告)日：2012-10-23
申请号：US10929096
申请日：2004-08-27
申请人： Paul D. Coppinger , Michael S. Klingen , Rinaldo Anthony Spinella
发明人： Paul D. Coppinger , Michael S. Klingen , Rinaldo Anthony Spinella
IPC分类号： H04W8/02
CPC分类号： H04W60/00 , G06F8/65 , G06Q20/102 , G06Q20/32 , G06Q20/325 , G06Q20/40 , G06Q30/0603 , G06Q50/06 , H04L12/66 , H04L67/04 , H04L67/16 , H04L67/28 , H04L67/2823 , H04W84/02 , Y10S707/99945 , Y10S707/99948
摘要： A communication system includes a development sector for registering a plurality of wireless devices, a business sector for controlling utilization of an application program and for receiving application data, a service sector for deploying the application program and for providing the application data to the business sector in accordance with communication with at least one wireless device of the plurality; and a mobile sector comprising the plurality of wireless devices, each device for receiving the application program deployed by the service sector, executing the application program in response to the business sector, and communicating with the service sector to support provision of the application data to the business sector. The business sector or service sector may monitor or limit utilization of the auxiliary device. Deployment of application programs may be controlled by the business sector or the development sector by rendering an application program or auxiliary device available for use only after a particular time or after receipt of a message.
摘要翻译：通信系统包括用于登记多个无线设备的开发部门，用于控制应用程序的利用和用于接收应用数据的业务部门，用于部署应用程序的服务部门，以及用于将应用数据提供给业务部门根据与所述多个的至少一个无线设备的通信; 以及包括所述多个无线设备的移动扇区，用于接收由所述服务扇区部署的所述应用程序的每个设备，响应于所述业务扇区执行所述应用程序，以及与所述服务扇区进行通信，以支持向所述服务扇区提供所述应用数据商业部门。商业部门或服务部门可以监视或限制辅助设备的利用。应用程序的部署可以由业务部门或开发部门通过使应用程序或辅助设备仅在特定时间之后或在接收到消息之后才可使用来控制。

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