US20100174595A1 - Method and system for managing credits via a mobile device - Google Patents

Method and system for managing credits via a mobile device Download PDF

Info

Publication number
US20100174595A1
US20100174595A1 US12/664,079 US66407908A US2010174595A1 US 20100174595 A1 US20100174595 A1 US 20100174595A1 US 66407908 A US66407908 A US 66407908A US 2010174595 A1 US2010174595 A1 US 2010174595A1
Authority
US
United States
Prior art keywords
credit
mobile device
account
system
means
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
US12/664,079
Inventor
Janne Aaltonen
Sami Saru
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Apple Inc
Original Assignee
CVON Innovations Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to US93422707P priority Critical
Priority to US60934227 priority
Priority to GB0803468A priority patent/GB2450193A/en
Priority to GB0803468.8 priority
Priority to US12/664,079 priority patent/US20100174595A1/en
Priority to PCT/EP2008/057438 priority patent/WO2008152118A2/en
Application filed by CVON Innovations Ltd filed Critical CVON Innovations Ltd
Assigned to CVON INNOVATION SERVICES OY reassignment CVON INNOVATION SERVICES OY ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: SARU, SAMI
Assigned to CVON INNOVATIONS LIMITED reassignment CVON INNOVATIONS LIMITED ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: CVON INNOVATION SERVICES OY
Assigned to BLYK SERVICES OY reassignment BLYK SERVICES OY ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: AALTONEN, JANNE
Assigned to CVON INNOVATIONS LIMITED reassignment CVON INNOVATIONS LIMITED ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: BLYK SERVICES OY
Publication of US20100174595A1 publication Critical patent/US20100174595A1/en
Assigned to APPLE INC. reassignment APPLE INC. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: CVON INNOVATIONS LIMITED
Application status is Abandoned legal-status Critical

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/204Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices using wireless networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3276Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349Rechargeable cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357Cards having a plurality of specified features
    • G06Q20/3578Hierarchy of users of cards
    • G06Q20/35785Parent-child type, i.e. where parent has control on child rights
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
    • G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes with the personal data files for a user
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
    • G06Q30/0222During e-commerce, i.e. online transactions
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
    • G06Q30/0225Avoiding frauds
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
    • G06Q30/0238Discounts or incentives, e.g. coupons, rebates, offers or upsales at point-of-sale [POS]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
    • G06Q30/0239Online discounts or incentives
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0241Advertisement
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0241Advertisement
    • G06Q30/0251Targeted advertisement
    • G06Q30/0267Wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0241Advertisement
    • G06Q30/0273Fees for advertisement
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0241Advertisement
    • G06Q30/0277Online advertisement
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12Accounting
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00Data switching networks
    • H04L12/02Details
    • H04L12/14Metering, charging or billing arrangements specially adapted for data wireline or wireless communications
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00Data switching networks
    • H04L12/02Details
    • H04L12/14Metering, charging or billing arrangements specially adapted for data wireline or wireless communications
    • H04L12/1453Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network
    • H04L12/146Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network using digital cash
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24Accounting or billing

Abstract

System and method for delivering upon request credits having monetary value to a mobile device using a communications network. An account of available credit for the user of the mobile device is maintained and authorization to issue credit is generated when a request for credit for the mobile device is received and there is available credit in the account associated with the mobile device equal to or greater than the requested credit. Credit may be sponsored by one or more sponsors and issued to the user, upon authorization, to enable the user to use the mobile device to purchase items, e.g., at a point of sale terminal.

Description

    CROSS-REFERENCE TO RELATED APPLICATIONS
  • This application claims the benefit under 35 USC 119 of U.S. Provisional Patent Application Ser. No. 60/934,227 filed Jun. 12, 2007 and GB Application No. GB803468.8 filed Feb. 26, 2008, the entire disclosure of each of which is incorporated herein by reference.
  • FIELD OF THE INVENTION
  • The present invention relates generally to methods and systems for payment of goods and services, and the issuance of credits toward the payment of goods and services, via a mobile device.
  • BACKGROUND OF THE INVENTION
  • Usage of cellular or mobile telephones is very popular and common. In a typical arrangement for use of a mobile telephone, a user subscribes to a mobile telephone service offered by a mobile telephone operator or carrier and enters into a pre-paid or post-paid plan with the mobile telephone operator. A pre-paid subscription plan is usually an arrangement where the user pays in advance for the telephone services to be used over a future period of time. A post-paid subscription plan is usually an arrangement where the user pays for the telephone services after using the services.
  • The services available using the mobile telephone may be voice services (i.e., making and receiving telephone calls), messaging services such as Short Message Service (SMS), Multimedia Message Service (MMS), data services such as Internet browsing or Wireless Application Protocol (WAP) browsing, video calls, downloading content, streaming content, purchasing applications such as games or other software, using location, guidance or navigation services, finding information, and communicating with a group of people and others.
  • Mobile telephones can also be used as a payment method in point of sales transactions. One example of such usage involves use of the near field communication (NFC) capabilities of a mobile telephone to use it as credit card in the point of sales transaction.
  • On the other hand, instead of being used to pay for goods and services, a mobile telephone can receive coupons for discounts which may be used in a point of sales transactions conducted using the mobile telephone or otherwise, and free samples which may be received using the mobile telephone or otherwise. In this regard, reference is made to International Publication No. WO 2007/060451, incorporated by reference herein in its entirety.
  • SUMMARY OF THE INVENTION
  • The present invention is directed at least in part to a method and system for providing credits, vouchers or coupons representative of monetary value to users of mobile devices such as mobile telephones. The users of the mobile telephones are able to use the monetary value of the credits to purchase goods and/or services.
  • BRIEF DESCRIPTION OF THE DRAWINGS
  • The invention, together with further objects and advantages thereof, may best be understood by reference to the following description taken in conjunction with the accompanying drawings, wherein like reference numerals identify like elements, and wherein:
  • FIG. 1 is a schematic of an exemplifying architecture of a first embodiment of a credit delivery system in accordance with the invention.
  • FIG. 2 is a schematic of an exemplifying architecture of a second embodiment of a credit delivery system in accordance with the invention.
  • FIG. 3 is a schematic of an exemplifying architecture of a third embodiment of a credit delivery system in accordance with the invention.
  • DETAILED DESCRIPTION OF THE INVENTION
  • Referring to the accompanying drawings wherein the same reference numerals refer to the same or similar elements, FIG. 1 shows an architecture of an embodiment of a mobile payment system in accordance with the invention which is designated generally as 10.
  • System 10 may be implemented to provide credits having monetary value to mobile devices 12 (only one of which is shown in FIG. 1) and thus can be considered to be independent of the mobile devices 12, i.e., not include the mobile devices. On the other hand, the invention also encompasses a system for enabling users of mobile devices 12 to receive credits having monetary value which would be inclusive of the mobile devices. In the latter case, the users may be required to view advertisements in exchange for the credits.
  • The mobile devices 12 may be any form of mobile terminal such as a mobile telephone, a multimedia computer, a personal digital assistant (PDA), a laptop computer or a personal computer.
  • Mobile devices 12 are arranged to use a communications network 14 to communicate with other elements of the system 10 described below. Communications network 14 can utilize any cellular network technologies which include, but are not limited to, GSM, WCDMA, CDMA, GPRS. In addition to traditional cellular networks, local area networks such as Wireless Local area networks (WLAN), BlueTooth (BT) and other technologies such as WiMax, Broadcasting over DVB-H, ISDB-T, DMB or broadcasting over cellular can be used. The communications network 14 can also be a generic Internet access network using any data transport methods. Moreover, the communications network 14 may be any cellular, broadcast, wide area, local area or Internet network. Communications network 14 can also be a combination of different communications networks such as a Wireless Local Area Network (WLAN) and a Wideband Code Division Multiplex (WCDMA) network.
  • Subscribers to the mobile telephone operator using the mobile devices 12 can use the same communications network or another communications network as the communications network 14 being used to receive credits, i.e., a hybrid network is possible.
  • In a preferred embodiment, the communications network 14 is a cellular network and the mobile device 12 is a mobile telephone.
  • System 10 also includes a billing system 16 operatively coupled to the communications network 14 or specific parts thereof, and may be arranged to maintain an account of available money for each mobile device. Further, billing system 16 may be arranged to monitor and/or meter usage of the communications network 14 by each mobile device 14 and monitor and/or meter usage and payments of or for the advertisements being delivered to each mobile device 12. The billing system 16 may be a real-time billing system or a close-to-real-time billing system. The billing system 16 or other suitable means associated with the system 10 can thus arrange for payment from users of the mobile devices 12 based on their usage of the communications network 14. Payment may be pre-paid, i.e. the user has paid for the service before using the communications network and the billing system monitors and reduces the paid amount in the user's account based on usage. Alternatively payment may be post-paid and a billing system monitors usage of the communications network and the user pays for the services after usage. Usage of the communications network 14 may entail voice services, messaging services (Short Message Service, Multimedia Message Service, Instant Message Service, Electronic mail services), video telephony services, push-to-talk services, data services such as Internet or Wireless Application Protocol (WAP) browsing services, content usage (television, radio, video) services, download services, premium SMS (pSMS) service, among others.
  • In one embodiment of the invention, billing system 16 meters usage of the services by each user and compares the metered usage with a free or subsidized balance allocated to each user. In this manner, although invoices are not sent to the users, the metered usage is compared with business rules associated with the users and the cost for providing the free or subsidized services to the users is invoiced directly or indirectly from advertisers. Other techniques to provide subsidized or free telephone services to the users are also envisioned. For subsidized telephone services, the users may be responsible for a portion of their usage and thus they would be interested in eliminating unnecessary use of such telephone services.
  • System 10 also includes a wallet service server 18 which in one embodiment, is a computer system running the wallet service, described below. Wallet service server 18 communications with the mobile devices 12 via the communications network 14, and is operatively coupled to the billing system 16.
  • In conjunction with the system 10, there may be one or more sponsors 20 which sponsor some of the mobile service such as voice or messaging or a sponsor can be an advertiser which, in exchange for sponsoring a portion of the mobile service being provided to users of the mobile devices 12, sends advertisements via communications network 14 to the users' mobile devices (additional details of this feature are described below). A sponsor 20 may also be a party which wants to sponsor some specific payments to users of mobile devices 12. Each sponsor 20 is provided with access via a computer program operating system 10 to the billing system 14 and the wallet service server 18. Billing system 14 would manage the payments from each sponsor for whatever credits or services they have sponsored.
  • Regardless of the nature of the sponsorship provided by sponsor(s) 20, each sponsor 20 will cause credits or services, or possibly other items of value, to be provided to the users' mobile devices 12. As such, it should be understood that system 10 may be implemented to provide the credits or services arising from sponsorship by sponsor(s) 20 to mobile devices 12 and thus can be considered to be independent of the sponsor(s) 20, i.e., not include the sponsor(s) 20 or the mobile devices 12. On the other hand, the invention also encompasses a system for enabling sponsors to sponsor delivery of credits or services, or possibly other items of values, to users of mobile devices 12 to receive credits or services, and this system would be inclusive of the sponsor(s) 20 and mobile devices 12.
  • Issuer 22 is a party which can issue vouchers, coupons or mobile credits for the mobile devices 12. The issuer 22 can issue the credits using any of the techniques disclosed in International Publication No. WO 2007/060451, incorporated in its entirety by reference herein. In one such technique, issuer 22 issues a code which is delivered to the mobile device 12, e.g., via the wallet service server 18 and possibly also via the billing system 16. This code, in practice, works as a coupon which can be used in or by a point of sales (POS) terminal 24. The code is used in or by the POS terminal 24 to verify the amount of credit associated with the code. Thus, the POS terminal 24 sends the code to issuer 22 so that issuer 22 can verify and provide a verification message to the POS terminal 24. When a positive verification message is received by the POS terminal 24, the user of the mobile device 12 is granted the value of the issued coupon for consideration by the POS terminal 24
  • The sponsor(s) 20 is operatively connected to the issuer 22 to enable each sponsor 20 to authorize issuance of credits to the users' mobile devices 12. The issuer 22 is also operatively coupled to the billing system 16 to coordinate payment for the credits, i.e., allocate payments for the credits to the different sponsors 20. The issuer 22 is also operatively coupled to the wallet service server 18 to provide the credits to the mobile devices 12.
  • There are several ways to use system 10 to enable a user of a mobile device 12 to receive and use an electronically provided credit, which is being considered equivalent to a voucher or coupon. In one embodiment, a user of the mobile device 12 sends a request for a credit having monetary value (message S1 in FIG. 1). The request can be short message service (SMS) message sent over communications network 14 or a Multimedia Message Service (MMS) message. The request can also be a premium SMS message with a specific monetary value sent to a specific number. Further, the request can be, for example, a Web or Wireless Application Protocol (WAP) session between the wallet service server 18 and the mobile device 12. In addition, the request can be generated by a special application running in the mobile device 12. This special application can be, for example, Java, Symbian or, an application running in Subscriber Identity Module. (SIM application). Other forms of requests, and applications for generating such requests are also envisioned.
  • The message S1 indicating a request for a credit having monetary value is analyzed by the wallet service server 18. The wallet service server 18 communicates with billing system 16, message S2, to determine whether the user of the mobile device 12 which generated the request message S1 has a credit in their account maintained by the billing system 16. The credit in each account can be so called pre-paid credit, i.e., existing and available money, or it can be post-paid credit. For pre-paid credit, the requested amount of money is deducted from the amount in the pre-paid account. For post-paid credit, the requested amount of money will be invoiced later.
  • In the embodiment described above, the wallet service server 18 communicates with the billing system 16 to ascertain whether the user requesting credit has available credit in their account (pre-paid credit) or the ability to draw on a line of credit (post-paid credit). In an alternative embodiment, the wallet service server 18 communicates with the issuer 22, or even possibly with a third party such as a bank or credit card company (not shown in FIG. 1) to ascertain whether the issuer 22 or third party has an account with pre-paid or post-paid credit for the user of the mobile device 12 requesting credit.
  • Regardless of which technique is used to ascertain the availability of credit to the user of the mobile device 12 requesting credit, when there is sufficient credit, i.e., in the account maintained by the billing system 16 or by the third party such as a bank or credit card company, this causes a process of generating and delivering a code to be used to confirm the transaction. The code is typically generated by the user 22, as in prior art techniques. In one embodiment of the invention, the code corresponds to the monetary value of the requested credit or the monetary value of the premium SMS sent from the POS terminal 24 to the wallet service server 18. The monetary value can be less then, equal to or more than the requested amount of credit depending on possible transaction fees and also on the existence and nature of possible sponsors 20 of the credit request.
  • Once generated, the code to be used in the POS terminal 24 is delivered to the mobile device 12 by message S3.
  • Once the message S3 is received by the mobile device 12, a computer program in the mobile device 12 can enable the user of the mobile device 12 to obtain money or items, tangible or intangible, having monetary value using the POS terminal 24. In one embodiment, message S3 is readable by the user, e.g. by displaying the message to the user as a text message, and the user may use the code by entering the code at the POS terminal using numeric keys at the POS terminal. The POS terminal 24 validates the code from the user 22, for example, using prior art techniques.
  • In some embodiments of the invention, the sponsor 22 may be another subscriber to the mobile telephone operator, such as a friend or a parent of the user of the mobile device 12. Thus, in the embodiment shown in FIG. 2, a user of mobile device 12 contains a sponsor 20, e.g., his mother, to ask her to give him some money (message S11) in order to, for example, buy an ice cream from a shop. Alternatively, the user of mobile device 12 may ask sponsor 20 to give him an authorization/credit to buy a certain item via message S11. The item sought to be purchased may be identified in message S11 using different means like an ISBN number of a book or as a web link to a web site having information about the item (e.g., a link to a book in the Amazon.com web store), a key word, a bar code, or a bar code number.
  • Upon receipt of message S11, e.g., by a mobile device of the sponsor 20, a computer program in the mobile device of the sponsor 20 would be arranged to enable the user thereof to connect with wallet service server 18 to grant credit having a certain monetary value or credit for the item for the user of the mobile device 12 (message S12). This may take the form of an authorization to allow a certain amount of credit from an account maintained by the billing system 16 to be used by the user of mobile device 12.
  • Identification of an item may be implemented such that the user of the mobile device 12 contacts sponsor 20 by sending, for example, a MMS message identifying an item sought to be purchased and disclosing or otherwise providing a bar code of the item (message S11). This bar code information may be then delivered to the wallet service server 18, via message S12, by including a picture received in the message S11 or as a SMS message containing a bar code number.
  • The connection between a sponsor 20 and the wallet service server 18 may be implemented in several ways, including as a SMS, MMS, using Web/WAP interface, or using a software application installed in the sponsor's mobile device (an application in the mobile device will then manage the connection between the mobile device and the wallet service server 18, e.g., using SMS or a data connection). The wallet service server 18 may then communicate with billing system 16 (as in FIG. 1) to ascertain the availability of credit, as explained above.
  • After the availability of credit to the user of mobile device 12 requesting such credit is checked and confirmed, the wallet service server 18 notifies the user of mobile device 12 about the available credit (message S13), and the user can then proceed with a purchase as explained above with reference to FIG. 1.
  • As shown in FIG. 3, an embodiment of the present invention also contemplates only indirect communications between the user of the mobile device 12 and a sponsor 20. In this embodiment, the user of the mobile device communicates with the wallet service server 18 to request credit (message S21) and the wallet service server 18 forwards as such or as a modified request to a sponsor identified in the message S21 by the user of the mobile device 12. In some embodiments, it is conceivable that the user does not know for certain whether there will be a sponsor willing to partly or even fully sponsor the requested credit. Wallet service server 22 then communicates with a sponsor 20 advising the sponsor of the user's request for credit and requesting a response as to whether the sponsor 20 is willing to provide some or all of the requested credit (message S22). If sponsor 20 agrees to provide credit, a message S23 is sent by sponsor 20 to the wallet service server 18 which proceeds to issue credit to the user and notify the user of the available credit (message S24), and possibly also notify the user of the identity of the sponsor or sponsors of the credit. The available credit can be used by the user of the mobile device in the manner described above.
  • In one embodiment, a sponsor 20 may be an entity or individual that wants to advertise products or services to customers participating in a mobile marketing arrangement, or an advertisement management system that is operated by, for example, an advertising delivery company. In exchange for providing credit to a user, the user would be required to be exposed to one or more advertisements.
  • A sponsor can thus refer to a brand owner, a service provider, an advertisement agent, a merchant or any other party that wants to provide advertisements to consumers. Advertisements can be commercial, such as a product or service promotion, or non-commercial, such as a general information service notification. A sponsor may also be a company in the business of delivering advertisements from several advertisers, i.e., it is the intermediary between advertisers and the operators of advertisement distribution channels. Such a sponsor would create an advertisement management system, which could be over an Internet interface, and includes tools for each advertiser to define rules of their advertisement campaign, i.e., to enable them to tailor the advertisement campaign to their specific desires. This may include reserving, programming and/or booking an advertising campaign via an Internet interface. Parameters which are determined include, but are not limited to, the time period or periods when to send advertisements, the duration of the advertising campaign, the target group or groups, demographics of the target group(s), the format or type of advertisement, the target price level or cost per advertisement or for the advertising campaign in its entirety, the sociological background of the target audience, demographics of the target group(s) including, for example, age, sex and income level(s), target telephone type, etc. In addition to determining the rules, each advertiser typically provides one or more actual advertisements in the form of data, text, pictures, video, audio, html-documents, links, television content, videos, HTML, xHTML, WAP pages, web pages, etc., or any digital content compatible for reception and display by the users' mobile devices 12.
  • The server including or interfacing with the billing system 16, wallet service server 18 and issuer 22 may also include a database containing information such as profiles of the users of the mobile devices 12. Alternatively, the wallet service server 18 includes such a database. In this manner, each sponsor could be provided with data about each user requesting credit (in the message from the wallet service server 18 to the sponsor 20), determine which user or users they want to receive their advertisements as per their advertising campaign, and authorize credit only for the user or users. An advertisement-supported system for providing credit to users of mobile devices is therefore provided.
  • Several computer programs resident on computer-readable media may be used in the invention. One computer program is resident in a server which controls or functions as the billing system 16, wallet service server 18 and issuer 22, and interfaces with the mobile device 12 via the communications network 14 and with the sponsor 20, e.g., also via a communications network. This computer program enables users of mobile devices to request and receive credit, possibly from one or more sponsors. In this regard, the designation of elements as a billing system 16, wallet service server 18 and issuer 22 are for ease of explanation of the invention and it is envisioned that all of these elements can be combined in a single electronic component.
  • In the context of this document, computer-readable medium could be any means that can contain, store, communicate, propagate or transmit a program for use by or in connection with the method, system, apparatus or device. The computer-readable medium can be, but is not limited to (not an exhaustive list), electronic, magnetic, optical, electromagnetic, infrared, or semi-conductor propagation medium. The medium can also be (not an exhaustive list) an electrical connection having one or more wires, a portable computer diskette, a random access memory (RAM), a read-only memory (ROM), an erasable, programmable, read-only memory (EPROM or Flash memory), an optical fiber, and a portable compact disk read-only memory (CDROM). The medium can also be paper or other suitable medium upon which a program is printed, as the program can be electronically captured, via for example, optical scanning of the paper or other medium, then compiled, interpreted, or otherwise processed in a suitable manner, if necessary, and then stored in a computer memory. Also, a computer program or data may be transferred to another computer-readable medium by any suitable process such as by scanning the computer-readable medium.
  • One embodiment of a computer program in accordance with the invention which delivers upon request credits having monetary value to a mobile device using a communications network is arranged to maintain an account of available credit for the user of the mobile device (a function of the billing system 16), receive a request for credit from the mobile device 12, ascertain whether there is available credit in the account associated with the mobile device equal to or greater than the requested credit (a function of the wallet service server 18), generate an authorization to issue credit when there is available credit in the account (a function of the wallet service server 18), issue credit in response to the authorization (a function of the issuer 22), and notify the user of the mobile device via the communications network of the issuance of credit (a function of the wallet service server 18).
  • The same or a different computer program can maintain and manage both pre-paid credit accounts which have an available balance and post-paid credit accounts which require later payment. The computer program manages the pre-paid account such that the account is reduced by each amount of authorized credit.
  • The same or a different computer program can also enable one or more sponsors to provide available credit into the account of each user of a mobile device, and also manage payments from each sponsor for credits they have provided.
  • The same or a different computer program can also issue a code indicative of the issuance of a specific amount of credit and coordinate delivery of the code to the mobile device. As noted above, the code can be used by a point of sale terminal in order to verify the amount of credit associated with the code.
  • The foregoing enables innovative and focused mobile marketing and advertising. Indeed, the popularity of mobile telephones has enabled their use, along with related infrastructure, as a media for providing mobile marketing, i.e., advertisements to the users of the telephones.
  • This is important because such a concept is considered by advertisers as the next new channel to directly reach consumers since it utilizes core assets and characteristics of the mobile media, namely, it is personal in that it is directed solely to individual consumers, it is “always on” and can reach the consumers whenever they access their communications devices, it is mobile and naturally forms groups of people who communicate actively with each other. These characteristics combined with social networks-based approaches of the Internet could form a very powerful base to execute marketing strategies.
  • In general, mobile marketing and advertising can be divided into the following four categories: mobile marketing, mobile advertising, mobile direct marketing and mobile customer relation management (CRM). The present invention in any of its forms discussed above is applicable to all categories.
  • Mobile marketing is commonly considered as the systematic planning, implementing and control of a mix of business activities intended to bring together buyers and sellers for the mutually advantageous exchange or transfer of products or services where the primary point of contact with the consumer is via their mobile device.
  • Mobile advertising is commonly considered as the paid, public, non-personal announcement of a persuasive message by an identified sponsor as well as the non-personal presentation or promotion by a firm of its products to its existing customers and potential customers where such communication is delivered to a mobile telephone or other mobile device. Examples of mobile advertising include: Wireless Application Protocol (WAP) Banner ads, mobile search advertising, mobile video bumpers, and interstitial ads in or on device portals.
  • Mobile direct marketing is commonly considered a sales and promotion technique in which promotional materials are delivered individually to potential customers via the potential customer's mobile telephone or other mobile device. Examples of mobile direct marketing include the sending of Short Message Service (SMS), Multimedia Message Service (MMS) or Wireless Application Protocol (WAP) push messages, Bluetooth messaging and other marketing to mobile telephones or other mobile devices.
  • Mobile customer relation management is commonly considered as a combination of all the foregoing in a manner that establishes a long-term, engaging relationship between the customer and the marketing or promoting company.
  • At present, mobile marketing and advertising is mostly based on push campaigns to opt-in a consumer mobile number in a database, or pull campaigns that acquire mobile telephone numbers from consumers. The most typical example of the pull campaign is the “text-to-win” campaign where, e.g., a soft drink bottle contains a short code to be sent via text message to a certain telephone number. In return, the consumer receives a notification if they have won with the selected marketing message, or a series of messages is broadcast to their mobile telephone. Other popular methods of direct advertisement are achieved using text and video messaging.
  • Having described exemplary embodiments of the invention with reference to the accompanying drawings, it will be appreciated that the present invention is not limited to those embodiments, and that various changes and modifications can be effected therein by one of ordinary skill in the art without departing from the scope or spirit of the invention as defined by the appended claims. For example, while it is described that a mobile phone user will initiate a request for issuance of credits, it is foreseen that the initiation of requests can come from an advertiser or sponser, wherein after receiving the request the system checks to determine if enough credits are present in a user's account to issue credits to the particular user.

Claims (52)

1. A system for delivering credits having monetary value to a mobile device using a communications network, comprising:
maintaining means for maintaining an account of available credit for a user of the mobile device, and for generating an authorization to issue credit upon request if there is available credit in the account associated with the mobile device equal to or greater than the requested credit;
delivery coordination means operatively coupled to said maintaining means for coordinating delivery of the credit; and
issuing means operatively coupled to said maintaining means and said delivery coordination means for receiving authorization to issue credit from said maintaining means, issuing credit and then notifying said delivery coordination means of the issuance of credit,
said delivery coordination means being operatively arranged to notify the user of the mobile device via the communications network upon receiving notification of issuance of credit from said issuing means.
2. The system of claim 1, wherein said means for maintaining an account of available credit comprise a billing system.
3. The system of claim 1, wherein said means for maintaining an account of available credit comprise a bank or a credit card company.
4. The system of claim 1, wherein said maintaining means are arranged to maintain at least one of an account of pre-paid credit and an account of post-paid credit.
5. The system of claim 1, wherein said maintaining means are arranged to manage the account such that the account is reduced by each amount of authorized credit.
6. The system of claim 1, wherein said delivery coordination means comprise a wallet service server arranged to deliver credit to the mobile device.
7. The system of claim 1, wherein said delivery coordination means are arranged to receive a request from the mobile device for credit and notify said maintaining means of the request for credit such that said maintaining means determine whether to generate an authorization to issue credit.
8. The system of claim 1, further comprising at least one mobile device.
9. The system of claim 8, wherein each of said at least one mobile device is selected from a group consisting of a mobile telephone, a multimedia computer, a personal digital assistant, a laptop computer and a personal computer.
10. The system of claim 1, further comprising at least one sponsor for providing credit.
11. The system of claim 10, wherein said at least one sponsor is an advertiser which provides credit for the user of the mobile device in exchange for requiring the user to be exposed to an advertisement via their mobile device.
12. The system of claim 10, wherein said at least one sponsor is operatively coupled to said maintaining means and said maintaining means manages payments from each of said at least one sponsor for credits they have provided.
13. The system of claim 10, wherein said at least one sponsor is arranged to communicate with said issuing means to enable said at least one sponsor to authorize issuance of credits to the user's mobile device.
14. The system of claim 10, wherein said at least one sponsor is operatively coupled to the user's mobile device and receives requests for credit from the mobile device, said at least one sponsor being arranged to decide whether to provide credit to the requester's account at said maintaining means and if so, providing credit to the requester's account at said maintaining means.
15. The system of claim 14, wherein said at least one sponsor is arranged to receive the request for credit in association with an identification of an item sought to be purchased by the user of the mobile device using the credit.
16. The system of claim 15, wherein the item is identified using a bar code, key word, picture or link to a web site.
17. The system of claim 10, wherein said maintaining means are arranged to await approval from said at least one sponsor prior to generating the authorization to issue credit.
18. The system of claim 1, wherein said issuing means are arranged to issue a code indicative of the issuance of a specific amount of credit which is delivered via said delivery coordination means to the mobile device, said code being usable by a point of sale terminal to communicate with said issuing means in order to verify the amount of credit associated with said code.
19. A computer program resident on computer-readable media and arranged to deliver credits having monetary value to a mobile device using a communications network, the computer program being arranged to:
maintain an account of available credit for a user of the mobile device;
receive a request for authorization of credit;
ascertain whether there is available credit in the account associated with the mobile device equal to or greater than the requested credit;
generate an authorization to issue credit when there is available credit in the account;
issue credit in response to the authorization; and
notify the user of the mobile device via the communications network of the issuance of credit.
20. The computer program of claim 19, wherein the computer program is further arranged to maintain at least one of an account of pre-paid credit and an account of post-paid credit.
21. The computer program of claim 19, wherein said computer program is further arranged to manage the account such that the account is reduced by each amount of authorized credit.
22. The computer program of claim 19, wherein said computer program is further arranged to enable at least one sponsor to provide available credit into the account.
23. The computer program of claim 22, wherein said computer program is further arranged to manage payments from each of the at least one sponsor for credits they have provided.
24. The computer program of claim 19, wherein said computer program is further arranged to issue a code indicative of the issuance of a specific amount of credit and coordinate delivery of the code to the mobile device, the code being usable by a point of sale terminal in order to verify the amount of credit associated with the code.
25. A method for delivering credits having monetary value to a mobile device using a communications network, comprising:
maintaining an account of available credit for a user of the mobile device;
receiving a request for authorization of credit;
ascertaining whether there is available credit in the account associated with the mobile device equal to or greater than the requested credit;
generating an authorization to issue credit when there is available credit in the account;
issuing credit in response to the authorization; and
notifying the user of the mobile device via the communications network of the issuance of credit.
26. The method of claim 25, wherein the step of maintaining an account comprises maintaining at least one of an account of pre-paid credit and an account of post-paid credit.
27. The method of claim 25, further comprising managing the account such that the account is reduced by each amount of authorized credit.
28. The method of claim 25, further comprising enabling at least one sponsor to provide available credit into the account.
29. The method of claim 28, further comprising managing payments from each of the at least one sponsor for credits they have provided.
30. The method of claim 28, wherein the step of issuing credit comprises issuing credit in exchange for requiring the user to be exposed to at least one advertisement from the at least one sponsor.
31. The method of claim 28, wherein the step of receiving the request for credit comprises receiving the request at the at least one sponsor, the at least one sponsor deciding whether to provide credit to the requester's account and if so, providing credit to the requester's account.
32. The method of claim 31, further comprising delivering the request for credit to the at least one sponsor in association with an identification of an item sought to be purchased using the credit.
33. The method of claim 32, further comprising identifying the item using a bar code, key word, picture or link to a web site.
34. The method of claim 28, further comprising requiring approval from the at least one sponsor prior to generating the authorization to issue credit.
35. The method of claim 25, further comprising:
delivering at least one advertisement to the mobile device; and
exposing the user of the mobile device to the at least one advertisement in exchange for issuance of credit.
36. The method of claim 25, wherein the step of issuing credit comprises issuing a code indicative of the issuance of a specific amount of credit and delivering the code to the mobile device, the code being usable by a point of sale terminal in order to verify the amount of credit associated with the code.
37. The method of claim 25, further comprising:
generating the request for credit at the mobile device; and
transmitting the request for credit via the communications network.
38. The method of claim 25, wherein the request is received via a short message service.
39. The method of claim 25, wherein the request is received at a wallet service server and the account is maintained in a billing system, the step of ascertaining whether there is available credit in the account associated with the mobile device equal to or greater than the requested credit comprising directing a request from the wallet service center to the billing system to analyze the account, the authorization to issue credit when there is available credit in the account being made by the billing system.
40. A system for conducting a mobile advertising campaign in which credits having monetary value are delivered to a mobile device using a communications network in exchange for exposure to at least one advertisement, comprising:
maintaining means for maintaining an account of available credit for the user of the mobile device, and for generating an authorization to issue credit upon request if there is available credit in the account associated with the mobile device equal to or greater than the requested credit;
enabling means for enabling at least one advertiser to provide advertisements and credit into the account in said maintaining means;
delivery coordination means operatively coupled to said maintaining means for coordinating delivery of the credit sponsored by an advertiser and an advertisement to the mobile device; and
issuing means operatively coupled to maintaining means and said delivery coordination means for receiving authorization to issue credit from said maintaining means, issuing credit and then notifying said delivery coordination means of the issuance of credit,
said delivery coordination means being operatively arranged to notify the user of the mobile device via the communications network upon receiving notification of issuance of credit from said issuing means,
the mobile device being operatively arranged to require exposure to the delivered advertisements in order to enable use of the credit.
41. The system of claim 40, wherein said means for maintaining an account of available credit comprise a billing system.
42. The system of claim 40, wherein said means for maintaining an account of available credit comprise a bank or a credit card company.
43. The system of claim 40, wherein said maintaining means are arranged to maintain at least one of an account of pre-paid credit and an account of post-paid credit.
44. The system of claim 40, wherein said maintaining means are arranged to manage the account such that the account is reduced by each amount of authorized credit.
45. The system of claim 40, wherein said delivery coordination means comprise a wallet service server arranged to deliver credit to the mobile device.
46. The system of claim 40, wherein said delivery coordination means are arranged to receive a request from the mobile device for credit and notify said maintaining means of the request for credit such that said maintaining means determine whether to generate an authorization to issue credit.
47. The system of claim 40, wherein each mobile device is selected from a group consisting of a mobile telephone, a multimedia computer, a personal digital assistant, a laptop computer and a personal computer.
48. The system of claim 40, wherein said at least one advertiser is coupled to said maintaining means and said maintaining means manages payments from each of said at least one advertiser for credits they have provided.
49. The system of claim 40, wherein said at least one advertiser is arranged to communicate with said issuing means to enable said at least one advertiser to authorize issuance of credits to the user's mobile device.
50. The system of claim 40, wherein said at least one advertiser is operatively coupled to the user's mobile device and receives requests for credit from the mobile device, said at least one advertiser being arranged to decide whether to provide credit to the requester's account at said maintaining means and if so, providing credit to the requester's account at said maintaining means.
51. The system of claim 40, wherein said issuing means are arranged to issue a code indicative of the issuance of a specific amount of credit which is delivered via said delivery coordination means to said mobile device, said code being usable by a point of sale terminal to communicate with said issuing means in order to verify the amount of credit associated with said code.
52. The system of claim 40, wherein said enabling means are arranged to provide data about the user of the mobile device to said at least one advertiser to enable said at least one advertiser to consider such data when deciding whether to provide credit to the user.
US12/664,079 2007-06-12 2008-06-12 Method and system for managing credits via a mobile device Abandoned US20100174595A1 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
US93422707P true 2007-06-12 2007-06-12
US60934227 2007-06-12
GB0803468A GB2450193A (en) 2007-06-12 2008-02-26 Method and system for managing credits via a mobile device
GB0803468.8 2008-02-26
PCT/EP2008/057438 WO2008152118A2 (en) 2007-06-12 2008-06-12 Method and system for managing credits via a mobile device
US12/664,079 US20100174595A1 (en) 2007-06-12 2008-06-12 Method and system for managing credits via a mobile device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US12/664,079 US20100174595A1 (en) 2007-06-12 2008-06-12 Method and system for managing credits via a mobile device

Publications (1)

Publication Number Publication Date
US20100174595A1 true US20100174595A1 (en) 2010-07-08

Family

ID=39284566

Family Applications (4)

Application Number Title Priority Date Filing Date
US12/157,099 Active 2029-11-25 US7933799B2 (en) 2007-06-12 2008-06-06 Method and system for payment and/or issuance of credits via a mobile device
US12/664,079 Abandoned US20100174595A1 (en) 2007-06-12 2008-06-12 Method and system for managing credits via a mobile device
US13/071,676 Active US8195547B2 (en) 2007-06-12 2011-03-25 Method and system for payment and/or issuance of credits via a mobile device
US13/753,189 Abandoned US20130144789A1 (en) 2007-06-12 2013-01-29 Method and system for managing credits via a mobile device

Family Applications Before (1)

Application Number Title Priority Date Filing Date
US12/157,099 Active 2029-11-25 US7933799B2 (en) 2007-06-12 2008-06-06 Method and system for payment and/or issuance of credits via a mobile device

Family Applications After (2)

Application Number Title Priority Date Filing Date
US13/071,676 Active US8195547B2 (en) 2007-06-12 2011-03-25 Method and system for payment and/or issuance of credits via a mobile device
US13/753,189 Abandoned US20130144789A1 (en) 2007-06-12 2013-01-29 Method and system for managing credits via a mobile device

Country Status (4)

Country Link
US (4) US7933799B2 (en)
EP (1) EP2168393A2 (en)
GB (1) GB2450193A (en)
WO (1) WO2008152118A2 (en)

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100138553A1 (en) * 2008-12-01 2010-06-03 Google Inc. Selecting Format for Content Distribution
US20110066491A1 (en) * 2009-09-16 2011-03-17 Telefonaktiebolaget L M Ericsson (Publ) Method and Communication Device for Using a First Service Based on an Account Chargeable with the Use of a Second Service
US20110320252A1 (en) * 2010-06-24 2011-12-29 Mobile Media Solutions, Inc. Apparatus and Method for Redeeming an Incentive on a Wireless Device
US8875228B2 (en) 2011-11-01 2014-10-28 Jvl Ventures, Llc Systems, methods, and computer program products for managing secure elements
US9479571B2 (en) 2012-09-18 2016-10-25 Google Inc. Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements
US9544759B2 (en) 2011-11-01 2017-01-10 Google Inc. Systems, methods, and computer program products for managing states
US10127533B2 (en) 2012-07-31 2018-11-13 Google Llc Managing devices associated with a digital wallet account

Families Citing this family (126)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8725123B2 (en) 2008-06-05 2014-05-13 Headwater Partners I Llc Communications device with secure data path processing agents
US8924469B2 (en) 2008-06-05 2014-12-30 Headwater Partners I Llc Enterprise access control and accounting allocation for access networks
CA2648523C (en) 2005-04-21 2018-09-04 Securedpay Solutions, Inc. Portable handheld device for wireless order entry and real time payment authorization and related methods
US9064252B2 (en) 2005-10-11 2015-06-23 National Payment Card Association Payment system and methods
US8833644B2 (en) 2005-10-11 2014-09-16 National Payment Card Association Payment system and methods
US8205791B2 (en) 2005-10-11 2012-06-26 National Payment Card Association Payment system and methods
GB2435565B (en) * 2006-08-09 2008-02-20 Cvon Services Oy Messaging system
GB2436412A (en) * 2006-11-27 2007-09-26 Cvon Innovations Ltd Authentication of network usage for use with message modifying apparatus
US8935718B2 (en) 2007-05-22 2015-01-13 Apple Inc. Advertising management method and system
GB2450193A (en) * 2007-06-12 2008-12-17 Cvon Innovations Ltd Method and system for managing credits via a mobile device
US7945238B2 (en) 2007-06-28 2011-05-17 Kajeet, Inc. System and methods for managing the utilization of a communications device
US8929857B2 (en) 2007-06-28 2015-01-06 Kajeet, Inc. Policy management of electronic devices
US20090076904A1 (en) * 2007-09-17 2009-03-19 Frank David Serena Embedding digital values for digital exchange
US20110153398A1 (en) * 2008-04-07 2011-06-23 Lid Power Pty Limited Device, Method and System for Facilitating a Transaction
US20110208594A1 (en) * 2008-05-05 2011-08-25 Doro Joshua A Universal financial transaction system
US8924543B2 (en) 2009-01-28 2014-12-30 Headwater Partners I Llc Service design center for device assisted services
US9755842B2 (en) 2009-01-28 2017-09-05 Headwater Research Llc Managing service user discovery and service launch object placement on a device
US9565707B2 (en) 2009-01-28 2017-02-07 Headwater Partners I Llc Wireless end-user device with wireless data attribution to multiple personas
US9980146B2 (en) 2009-01-28 2018-05-22 Headwater Research Llc Communications device with secure data path processing agents
US8793758B2 (en) 2009-01-28 2014-07-29 Headwater Partners I Llc Security, fraud detection, and fraud mitigation in device-assisted services systems
US9578182B2 (en) 2009-01-28 2017-02-21 Headwater Partners I Llc Mobile device and service management
US9557889B2 (en) 2009-01-28 2017-01-31 Headwater Partners I Llc Service plan design, user interfaces, application programming interfaces, and device management
US9647918B2 (en) 2009-01-28 2017-05-09 Headwater Research Llc Mobile device and method attributing media services network usage to requesting application
US9351193B2 (en) 2009-01-28 2016-05-24 Headwater Partners I Llc Intermediate networking devices
US8893009B2 (en) 2009-01-28 2014-11-18 Headwater Partners I Llc End user device that secures an association of application to service policy with an application certificate check
US9858559B2 (en) 2009-01-28 2018-01-02 Headwater Research Llc Network service plan design
US10492102B2 (en) 2009-01-28 2019-11-26 Headwater Research Llc Intermediate networking devices
US10057775B2 (en) 2009-01-28 2018-08-21 Headwater Research Llc Virtualized policy and charging system
US9955332B2 (en) 2009-01-28 2018-04-24 Headwater Research Llc Method for child wireless device activation to subscriber account of a master wireless device
US8745191B2 (en) 2009-01-28 2014-06-03 Headwater Partners I Llc System and method for providing user notifications
US8606911B2 (en) 2009-03-02 2013-12-10 Headwater Partners I Llc Flow tagging for service policy implementation
US9270559B2 (en) 2009-01-28 2016-02-23 Headwater Partners I Llc Service policy implementation for an end-user device having a control application or a proxy agent for routing an application traffic flow
US8447669B2 (en) 2008-08-26 2013-05-21 Visa U.S.A. Inc. System and method for implementing financial assistance programs
US9357247B2 (en) 2008-11-24 2016-05-31 Time Warner Cable Enterprises Llc Apparatus and methods for content delivery and message exchange across multiple content delivery networks
US8799451B2 (en) 2009-01-28 2014-08-05 Headwater Partners I Llc Verifiable service policy implementation for intermediate networking devices
US8898293B2 (en) 2009-01-28 2014-11-25 Headwater Partners I Llc Service offer set publishing to device agent with on-device service selection
US8626115B2 (en) 2009-01-28 2014-01-07 Headwater Partners I Llc Wireless network service interfaces
US8832777B2 (en) 2009-03-02 2014-09-09 Headwater Partners I Llc Adapting network policies based on device service processor configuration
US8346225B2 (en) 2009-01-28 2013-01-01 Headwater Partners I, Llc Quality of service for device assisted services
US10248996B2 (en) 2009-01-28 2019-04-02 Headwater Research Llc Method for operating a wireless end-user device mobile payment agent
US8402111B2 (en) 2009-01-28 2013-03-19 Headwater Partners I, Llc Device assisted services install
US8275830B2 (en) 2009-01-28 2012-09-25 Headwater Partners I Llc Device assisted CDR creation, aggregation, mediation and billing
US9706061B2 (en) 2009-01-28 2017-07-11 Headwater Partners I Llc Service design center for device assisted services
US8391834B2 (en) 2009-01-28 2013-03-05 Headwater Partners I Llc Security techniques for device assisted services
US8589541B2 (en) 2009-01-28 2013-11-19 Headwater Partners I Llc Device-assisted services for protecting network capacity
US10326800B2 (en) 2009-01-28 2019-06-18 Headwater Research Llc Wireless network service interfaces
US9954975B2 (en) 2009-01-28 2018-04-24 Headwater Research Llc Enhanced curfew and protection associated with a device group
US10237757B2 (en) 2009-01-28 2019-03-19 Headwater Research Llc System and method for wireless network offloading
US10200541B2 (en) 2009-01-28 2019-02-05 Headwater Research Llc Wireless end-user device with divided user space/kernel space traffic policy system
US9253663B2 (en) 2009-01-28 2016-02-02 Headwater Partners I Llc Controlling mobile device communications on a roaming network based on device state
US8406748B2 (en) 2009-01-28 2013-03-26 Headwater Partners I Llc Adaptive ambient services
US10064055B2 (en) 2009-01-28 2018-08-28 Headwater Research Llc Security, fraud detection, and fraud mitigation in device-assisted services systems
US8548428B2 (en) 2009-01-28 2013-10-01 Headwater Partners I Llc Device group partitions and settlement platform
US9572019B2 (en) 2009-01-28 2017-02-14 Headwater Partners LLC Service selection set published to device agent with on-device service selection
US8340634B2 (en) 2009-01-28 2012-12-25 Headwater Partners I, Llc Enhanced roaming services and converged carrier networks with device assisted services and a proxy
US8635335B2 (en) 2009-01-28 2014-01-21 Headwater Partners I Llc System and method for wireless network offloading
US10264138B2 (en) 2009-01-28 2019-04-16 Headwater Research Llc Mobile device and service management
US9392462B2 (en) 2009-01-28 2016-07-12 Headwater Partners I Llc Mobile end-user device with agent limiting wireless data communication for specified background applications based on a stored policy
JP2010178867A (en) * 2009-02-05 2010-08-19 Fujifilm Corp Radiography network system and radiographic image capturing system control method
US9721238B2 (en) 2009-02-13 2017-08-01 Visa U.S.A. Inc. Point of interaction loyalty currency redemption in a transaction
US9215423B2 (en) 2009-03-30 2015-12-15 Time Warner Cable Enterprises Llc Recommendation engine apparatus and methods
US20100251304A1 (en) 2009-03-30 2010-09-30 Donoghue Patrick J Personal media channel apparatus and methods
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods
US9864991B2 (en) * 2009-09-22 2018-01-09 Murphy Oil Usa, Inc. Method and apparatus for secure transaction management
US8396055B2 (en) 2009-10-20 2013-03-12 Time Warner Cable Inc. Methods and apparatus for enabling media functionality in a content-based network
US10264029B2 (en) 2009-10-30 2019-04-16 Time Warner Cable Enterprises Llc Methods and apparatus for packetized content delivery over a content delivery network
US9519728B2 (en) 2009-12-04 2016-12-13 Time Warner Cable Enterprises Llc Apparatus and methods for monitoring and optimizing delivery of content in a network
EP2369544A1 (en) * 2010-02-26 2011-09-28 Deutsche Telekom AG Register device and method for cash-less payment
US9342661B2 (en) 2010-03-02 2016-05-17 Time Warner Cable Enterprises Llc Apparatus and methods for rights-managed content and data delivery
US9111272B2 (en) * 2010-03-25 2015-08-18 Bizmodeline Co., Ltd. Mobile payments
US8942992B1 (en) * 2010-05-20 2015-01-27 Sprint Communications Company L.P. Dynamic promotion code insertion in contactless payment transaction
US9906838B2 (en) 2010-07-12 2018-02-27 Time Warner Cable Enterprises Llc Apparatus and methods for content delivery and message exchange across multiple content delivery networks
US8997136B2 (en) 2010-07-22 2015-03-31 Time Warner Cable Enterprises Llc Apparatus and methods for packetized content delivery over a bandwidth-efficient network
US8510658B2 (en) 2010-08-11 2013-08-13 Apple Inc. Population segmentation
US20120215701A1 (en) 2010-10-20 2012-08-23 Mehta Kaushal N Flexible monetization service apparatuses, methods and systems
US10438176B2 (en) 2011-07-17 2019-10-08 Visa International Service Association Multiple merchant payment processor platform apparatuses, methods and systems
SG193510A1 (en) 2011-02-22 2013-10-30 Visa Int Service Ass Universal electronic payment apparatuses, methods and systems
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US10204327B2 (en) 2011-02-05 2019-02-12 Visa International Service Association Merchant-consumer bridging platform apparatuses, methods and systems
US9602414B2 (en) 2011-02-09 2017-03-21 Time Warner Cable Enterprises Llc Apparatus and methods for controlled bandwidth reclamation
US9953334B2 (en) 2011-02-10 2018-04-24 Visa International Service Association Electronic coupon issuance and redemption apparatuses, methods and systems
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
WO2012118870A1 (en) 2011-02-28 2012-09-07 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
WO2012122060A1 (en) 2011-03-04 2012-09-13 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
US10453062B2 (en) * 2011-03-15 2019-10-22 Capital One Services, Llc Systems and methods for performing person-to-person transactions using active authentication
US9154826B2 (en) 2011-04-06 2015-10-06 Headwater Partners Ii Llc Distributing content and service launch objects to mobile devices
WO2012155081A1 (en) 2011-05-11 2012-11-15 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
BR112013031147A2 (en) 2011-06-03 2017-02-07 Visa Int Service Ass Wallet Card Selection Devices, Methods and System
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
AU2012278963B2 (en) 2011-07-05 2017-02-23 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US9117225B2 (en) 2011-09-16 2015-08-25 Visa International Service Association Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs
US9460436B2 (en) 2012-03-16 2016-10-04 Visa International Service Association Systems and methods to apply the benefit of offers via a transaction handler
US9495690B2 (en) * 2012-04-04 2016-11-15 Visa International Service Association Systems and methods to process transactions and offers via a gateway
WO2013090611A2 (en) 2011-12-13 2013-06-20 Visa International Service Association Dynamic widget generator apparatuses, methods and systems
US10318941B2 (en) 2011-12-13 2019-06-11 Visa International Service Association Payment platform interface widget generation apparatuses, methods and systems
US9953378B2 (en) 2012-04-27 2018-04-24 Visa International Service Association Social checkout widget generation and integration apparatuses, methods and systems
JP5550630B2 (en) * 2011-12-28 2014-07-16 楽天株式会社 Electronic money server, electronic money processing method, and electronic money processing program
US10262148B2 (en) 2012-01-09 2019-04-16 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US8918080B2 (en) 2012-01-17 2014-12-23 Kajeet, Inc. Mobile device management
US10360578B2 (en) 2012-01-30 2019-07-23 Visa International Service Association Systems and methods to process payments based on payment deals
US9922338B2 (en) 2012-03-23 2018-03-20 Visa International Service Association Systems and methods to apply benefit of offers
US9467723B2 (en) 2012-04-04 2016-10-11 Time Warner Cable Enterprises Llc Apparatus and methods for automated highlight reel creation in a content delivery network
US9864988B2 (en) 2012-06-15 2018-01-09 Visa International Service Association Payment processing for qualified transaction items
US9947004B2 (en) 2012-06-28 2018-04-17 Green Dot Corporation Wireless client transaction systems and related methods
US20140006276A1 (en) * 2012-06-28 2014-01-02 Bank Of America Corporation Mobile wallet account number differentiation
US20140006280A1 (en) * 2012-06-29 2014-01-02 Ebay, Inc. Payment authorization system
US9626678B2 (en) 2012-08-01 2017-04-18 Visa International Service Association Systems and methods to enhance security in transactions
US10438199B2 (en) 2012-08-10 2019-10-08 Visa International Service Association Systems and methods to apply values from stored value accounts to payment transactions
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US10332142B2 (en) 2013-03-14 2019-06-25 Datascape, Inc. System and method for incentivizing wireless device users to interact with sponsor offers and advertising
WO2014159862A1 (en) 2013-03-14 2014-10-02 Headwater Partners I Llc Automated credential porting for mobile devices
EP2979442A4 (en) * 2013-03-27 2016-10-12 Paypal Inc Claiming incentives on networked televisions
US20140365363A1 (en) * 2013-06-07 2014-12-11 Prairie Cloudware, Inc Secure integrative vault of consumer payment instruments for use in payment processing system and method
US20140372286A1 (en) * 2013-06-13 2014-12-18 Kajeet, Inc. Platform for enabling sponsored functions of a computing device
US10313532B2 (en) 2013-06-13 2019-06-04 Kajeet, Inc. Platform for enabling users to sign up for sponsored functions on computing devices
US10223693B2 (en) 2014-09-09 2019-03-05 Garrett Cameron Baird System and method for administering billing, servicing messaging and payment in digital wallets
US10116676B2 (en) 2015-02-13 2018-10-30 Time Warner Cable Enterprises Llc Apparatus and methods for data collection, analysis and service modification based on online activity
AU2016281203A1 (en) * 2015-06-18 2018-02-08 Maxwell Forest Pty Ltd Data transfer during electronic transactions
US10430788B2 (en) 2015-08-06 2019-10-01 Green Dot Corporation Systems and methods for fund transfers
US10089609B2 (en) * 2015-12-14 2018-10-02 Visa International Service Association System and methods for online/offline synchronization
US10404758B2 (en) 2016-02-26 2019-09-03 Time Warner Cable Enterprises Llc Apparatus and methods for centralized message exchange in a user premises device
BR102017024168A2 (en) * 2017-11-10 2019-06-04 Supportcomm S.A. Method of rewarding mobile data sponsored in a virtual environment

Citations (106)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US698163A (en) * 1901-04-29 1902-04-22 Charles Wessell Process of refining spelter.
US780533A (en) * 1904-09-24 1905-01-24 Peter A Sheley Motor-controlling mechanism.
US794956A (en) * 1904-12-23 1905-07-18 Pettibone Mulliken & Company Railway-rail.
US5381470A (en) * 1991-05-28 1995-01-10 Davox Corporation Supervisory management center with parameter testing and alerts
US5613213A (en) * 1994-03-31 1997-03-18 Motorola, Inc. Determining and displaying available services for a communication unit
US5768521A (en) * 1994-05-16 1998-06-16 Intel Corporation General purpose metering mechanism for distribution of electronic information
US6078866A (en) * 1998-09-14 2000-06-20 Searchup, Inc. Internet site searching and listing service based on monetary ranking of site listings
US6253189B1 (en) * 1997-09-15 2001-06-26 At&T Corp. System and method for completing advertising time slot transactions
US6250557B1 (en) * 1998-08-25 2001-06-26 Telefonaktiebolaget Lm Ericsson (Publ) Methods and arrangements for a smart card wallet and uses thereof
US20010007983A1 (en) * 1999-12-28 2001-07-12 Lee Jong-Ii Method and system for transaction of electronic money with a mobile communication unit as an electronic wallet
US6269361B1 (en) * 1999-05-28 2001-07-31 Goto.Com System and method for influencing a position on a search result list generated by a computer network search engine
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US20020006803A1 (en) * 2000-05-12 2002-01-17 Dennis Mendiola Method and system for inviting and creating accounts for prospective users of an instant messaging system
US20020019829A1 (en) * 2000-03-21 2002-02-14 Ehud Shapiro Community co-presence system and method having virtual groups
US20020035568A1 (en) * 2000-04-28 2002-03-21 Benthin Mark Louis Method and apparatus supporting dynamically adaptive user interactions in a multimodal communication system
US6408309B1 (en) * 2000-02-23 2002-06-18 Dinesh Agarwal Method and system for creating an interactive virtual community of famous people
US20020077993A1 (en) * 2000-12-18 2002-06-20 Nokia Corporation Method and system for conducting wireless payments
US20020075305A1 (en) * 2000-12-18 2002-06-20 Beaton Brian F. Graphical user interface for a virtual team environment
US20020091569A1 (en) * 2000-08-01 2002-07-11 Keiko Kitaura Electronic coupon system
US20020111848A1 (en) * 2001-02-12 2002-08-15 White Craig R. Aggregation of services on network portals
US20020120498A1 (en) * 2001-02-23 2002-08-29 Gordon Donald F. Method and apparatus for providing targeted advertisements
US20030040297A1 (en) * 2001-08-27 2003-02-27 Pecen Mark E. Advice of charge for communications services, architectures and methods therefor
US20030074259A1 (en) * 2001-10-16 2003-04-17 Slyman David J. Wireless electronic coupon redemption
US20030126015A1 (en) * 2001-11-19 2003-07-03 Jenny Chan System and Method for Cardmember Acquisition
US20040068435A1 (en) * 2001-07-09 2004-04-08 Scot Braunzell Method of automated Ad campaign management
US20040093289A1 (en) * 2002-11-07 2004-05-13 International Business Machines Corporation Location based services anonymous session tracking and anonymous information aggregation
US20040133480A1 (en) * 2002-09-26 2004-07-08 Domes Ronald J. Targeted promotional method & system
US6807410B1 (en) * 1999-02-19 2004-10-19 France Telecom Electronic payment process and system for implementing this process
US20050021457A1 (en) * 2003-07-25 2005-01-27 Johnson A. Wayne Financial account up-front incentives management system and method
US6871183B2 (en) * 2001-01-24 2005-03-22 Accenture System and method of preparing and processing data for trade promotion
US20050075929A1 (en) * 2002-10-17 2005-04-07 Wolinsky Robert I. System and method for partitioning airtime for distribution and display of content
US20050125289A1 (en) * 2003-08-01 2005-06-09 Gil Beyda Audience targeting system with segment management
US20050125397A1 (en) * 2003-12-04 2005-06-09 William Gross Transparent search engine
US6920464B2 (en) * 1998-12-03 2005-07-19 Grantley Patent Holdings, Ltd. System for generating an advertising revenue projection
US20050160002A1 (en) * 2003-09-04 2005-07-21 Alex Roetter Systems and methods for determining user actions
US20050177506A1 (en) * 1999-12-06 2005-08-11 Jussi Rissanen Host-sponsored data transmission billing system and method
US20050203849A1 (en) * 2003-10-09 2005-09-15 Bruce Benson Multimedia distribution system and method
US20060026063A1 (en) * 2004-07-30 2006-02-02 Collins Robert J System and method for advertising campaign strategy development and optimization
US20060026067A1 (en) * 2002-06-14 2006-02-02 Nicholas Frank C Method and system for providing network based target advertising and encapsulation
US20060048059A1 (en) * 2004-08-26 2006-03-02 Henry Etkin System and method for dynamically generating, maintaining, and growing an online social network
US20060068845A1 (en) * 2002-10-01 2006-03-30 Dietmar Muller Sim-card for operation with a terminal of a communication network
US20060117378A1 (en) * 2004-11-04 2006-06-01 Tam Chung M System and method for creating a secure trusted social network
US20060123014A1 (en) * 2004-12-07 2006-06-08 David Ng Ranking Internet Search Results Based on Number of Mobile Device Visits to Physical Locations Related to the Search Results
US20060165060A1 (en) * 2005-01-21 2006-07-27 Robin Dua Method and apparatus for managing credentials through a wireless network
US20060173772A1 (en) * 2005-02-02 2006-08-03 Hayes John B Systems and methods for automated processing, handling, and facilitating a trade credit transaction
US20070005429A1 (en) * 1999-12-08 2007-01-04 Jacobs Paul E Method for controlling the distribution of advertisements to informational client devices using a plurality of operating modes
US20070050372A1 (en) * 2005-08-31 2007-03-01 Convergent Media Systems Systems and methods for creating, managing and publishing advertisements
US20070060109A1 (en) * 2005-09-14 2007-03-15 Jorey Ramer Managing sponsored content based on user characteristics
US20070066295A1 (en) * 2003-12-30 2007-03-22 Martin Wennberg Method and network for downloading data to mobile devices
US20070074262A1 (en) * 2003-07-14 2007-03-29 Sony Corporation Display device, display method, and display control program
US7200633B2 (en) * 2000-08-25 2007-04-03 Ntt Docomo, Inc. Information delivery system and information delivery method
US20070094066A1 (en) * 2005-10-21 2007-04-26 Shailesh Kumar Method and apparatus for recommendation engine using pair-wise co-occurrence consistency
US20070094113A1 (en) * 2005-10-21 2007-04-26 Eduardo Chapeta Transactional mobile system
US20070100805A1 (en) * 2005-09-14 2007-05-03 Jorey Ramer Mobile content cross-inventory yield optimization
US7213742B1 (en) * 2003-03-20 2007-05-08 Convergys Information Management Group, Inc. System and method for value creation
US20070106564A1 (en) * 2005-11-04 2007-05-10 Utiba Pte Ltd. Mobile phone as a point of sale (POS) device
US20070105536A1 (en) * 2005-11-07 2007-05-10 Tingo George Jr Methods and apparatus for providing SMS notification, advertisement and e-commerce systems for university communities
US7225156B2 (en) * 2001-07-11 2007-05-29 Fisher Douglas C Persistent dynamic payment service
US20070125838A1 (en) * 2005-12-06 2007-06-07 Law Eric C W Electronic wallet management
US20070150411A1 (en) * 2005-12-14 2007-06-28 Addepalli Sateesh K Universal payment system
US20070162328A1 (en) * 2004-01-20 2007-07-12 Nooly Technologies, Ltd. Lbs nowcasting sensitive advertising and promotion system and method
US20070174124A1 (en) * 2005-02-25 2007-07-26 Utbk, Inc. Methods and Apparatuses for Prioritizing Featured Listings
US20070194108A1 (en) * 2004-11-19 2007-08-23 American Express Travel Related Services Company, Inc. Assured Payments For Health Care Plans
US7275685B2 (en) * 2004-04-12 2007-10-02 Rearden Capital Corporation Method for electronic payment
US20080052158A1 (en) * 2006-03-26 2008-02-28 Nutricate Corporation POS Advertising System, Method, and Computer Program Product
US20080057917A1 (en) * 2006-08-30 2008-03-06 Daniela Oria Service availability update for a user having a prepaid account at a service provider capable of providing one or more services over a communications network
US20080057920A1 (en) * 2006-02-28 2008-03-06 Commonwealth Intellectual Property Holdings, Inc. Interactive Marketing on Mobile Telephone
US20080065474A1 (en) * 2006-09-12 2008-03-13 Abhinay Sharma Secure conversion tracking
US20080065491A1 (en) * 2006-09-11 2008-03-13 Alexander Bakman Automated advertising optimizer
US20080103895A1 (en) * 2006-10-25 2008-05-01 Microsoft Corporation Self-serve percent rotation of future site channels for online advertising
US20080102766A1 (en) * 2006-10-31 2008-05-01 Schultz Michael J System and method for user identity authentication via mobile communication devices
US20080114657A1 (en) * 2002-11-01 2008-05-15 Modasolutions Corporation Internet payment system and method
US20080154727A1 (en) * 2006-12-26 2008-06-26 Mark Carlson Coupon offers from multiple entities
US20080162343A1 (en) * 2006-12-29 2008-07-03 Ebay Inc. Method and system for user payment account management
US7406434B1 (en) * 2000-12-15 2008-07-29 Carl Meyer System and method for improving the performance of electronic media advertising campaigns through multi-attribute analysis and optimization
US7406307B2 (en) * 2001-08-31 2008-07-29 Freetech, L.L.C. System and method for providing interoperable and on-demand telecommunications service
US7478065B1 (en) * 1999-12-23 2009-01-13 Swisscom Mobile Ag Payment transaction method and payment transaction system
US7487126B2 (en) * 2001-04-09 2009-02-03 Khai Hee Kwan Computer network method for conducting payment over a network by debiting and crediting utilities accounts
US20090037239A1 (en) * 2007-08-02 2009-02-05 Daniel Wong Method For Improving Internet Advertising Click-Through Rates through Time-Dependent Keywords
US20090043644A1 (en) * 2000-07-25 2009-02-12 Wilkman Michael A Universal transaction manager agent, systems and methods
US20090048905A1 (en) * 2007-08-16 2009-02-19 Xin Feng Methods for Grouping, Targeting and Meeting Objectives for an Advertisement Campaign
US20090106100A1 (en) * 2005-04-26 2009-04-23 Governing Dynamics Llc Method of digital good placement in a dynamic, real time environment
US7533047B2 (en) * 2005-05-03 2009-05-12 International Business Machines Corporation Method and system for securing card payment transactions using a mobile communication device
US7540408B2 (en) * 2006-06-22 2009-06-02 Hip Consult Inc. Apparatus and method for facilitating money or value transfer
US7546619B2 (en) * 2005-01-12 2009-06-09 Invidi Technologies Corporation Voting and headend insertion model for targeting content in a broadcast network
US20090157546A1 (en) * 2005-08-22 2009-06-18 G-Xchange, Inc. Person to person virtual cash transfer transaction using mobile phones
US7552867B2 (en) * 2006-03-15 2009-06-30 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
US7562058B2 (en) * 2004-04-16 2009-07-14 Fortelligent, Inc. Predictive model management using a re-entrant process
US7630986B1 (en) * 1999-10-27 2009-12-08 Pinpoint, Incorporated Secure data interchange
US7660581B2 (en) * 2005-09-14 2010-02-09 Jumptap, Inc. Managing sponsored content based on usage history
US7668950B2 (en) * 2003-09-23 2010-02-23 Marchex, Inc. Automatically updating performance-based online advertising system and method
US7676405B2 (en) * 2005-06-01 2010-03-09 Google Inc. System and method for media play forecasting
US20100082401A1 (en) * 2008-09-29 2010-04-01 Yahoo! Inc. Forecasting for advertising inventory allocation
US20100082439A9 (en) * 2000-05-24 2010-04-01 Matchcraft, Inc. Online media exchange
US20100100407A1 (en) * 2008-10-17 2010-04-22 Yahoo! Inc. Scaling optimization of allocation of online advertisement inventory
US20100106606A1 (en) * 2008-10-29 2010-04-29 Yahoo! Inc. Automated user segment selection for delivery of online advertisements
US20100121694A1 (en) * 2008-09-30 2010-05-13 Yahoo! Inc. System for display advertising optimization with uncertain supply
US20100131352A1 (en) * 2008-11-24 2010-05-27 Admarvel, Inc. Mobile ad optimization architecture
US7742996B1 (en) * 2000-09-27 2010-06-22 Khai Hee Kwan Computer program, system and method for on-line issuing and verifying a representation of economic value interchangeable for money having identification data and password protection over a computer network
US7764947B2 (en) * 2005-08-19 2010-07-27 Nokia Corporation Online charging management server
US20110137941A1 (en) * 2009-12-04 2011-06-09 Microsoft Corporation Segmentation and profiling of users
US7974988B2 (en) * 2006-02-24 2011-07-05 Syniverse Icx Corporation System and method for cross-carrier mobile device capability discovery
US8090613B2 (en) * 2007-12-10 2012-01-03 Kalb Kenneth J System and method for real-time management and optimization of off-line advertising campaigns
US8099316B2 (en) * 2007-07-09 2012-01-17 Velti Plc Mobile device marketing and advertising platforms, methods, and systems
US8099490B2 (en) * 2003-08-07 2012-01-17 Telcordia Operations Limited Server for determining and storing mobile device capability data
US20140236702A1 (en) * 2005-04-18 2014-08-21 The Retail Equation, Inc. Systems and methods for data collection and providing coupons at a point of return

Family Cites Families (28)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6487583B1 (en) 1998-09-15 2002-11-26 Ikimbo, Inc. System and method for information and application distribution
US6826542B1 (en) * 1999-11-23 2004-11-30 Ipayables, Inc. System and method for collecting, enhancing and distributing invoices electronically via the internet
AU2266401A (en) 1999-12-14 2001-06-25 Imandi.Com Inc. Combined offline and online verification of user legitimacy for electronic commerce
US7054660B2 (en) 2000-05-04 2006-05-30 Paperless Interactive Newspaper, Llc Multimedia broadcasting, broadcast services for cell phone and other users and modified SIM card and related means for enabling such broadcast reception
US7031939B1 (en) * 2000-08-15 2006-04-18 Yahoo! Inc. Systems and methods for implementing person-to-person money exchange
WO2002044989A2 (en) 2000-10-19 2002-06-06 Kirk Feathers Method and system for dynamically maintaining internet associations
GB2372867A (en) * 2001-03-02 2002-09-04 Sonera Smarttrust Ltd Transaction management system
GB0112435D0 (en) 2001-05-22 2001-07-11 Yakara Plc Mobile community communication
US20030023631A1 (en) 2001-07-26 2003-01-30 Castle Daniel C. Advertisement selection engine for placing micro-advertising
EP1320214A1 (en) 2001-12-12 2003-06-18 Markport Limited Unified account management for data network access
HU224788B1 (en) * 2002-02-07 2006-02-28 Enigma Software Rt Architecture for arranging bank card transaction requiring simplified hardware in a large customer base, transaction terminal unit, sim card with extended function, as well as, method for personalizing and performing transactions
US7784684B2 (en) * 2002-08-08 2010-08-31 Fujitsu Limited Wireless computer wallet for physical point of sale (POS) transactions
AT378759T (en) 2003-05-06 2007-11-15 Cvon Innovations Ltd Message transmission system and message service
BE1015704A3 (en) 2003-10-06 2005-07-05 Buytaert Steven Herwig Cyriel Mobile phone SIM card information back-up method, by inputting information via network computer and storing it on server for later conversion using SIM application toolkit
US20060009204A1 (en) 2003-11-03 2006-01-12 Starhome Gmbh Telephone functionality for generic applications in a mobile handset
JP3617651B1 (en) 2004-02-02 2005-02-09 株式会社 コア・カラーズ Virtual community system
US20050228680A1 (en) 2004-04-08 2005-10-13 Malik Dale W Guest account architecture
US20050239504A1 (en) 2004-04-23 2005-10-27 Sharp Laboratories Of America, Inc. SIM-based automatic feature activation for mobile phones
JP4348236B2 (en) 2004-06-04 2009-10-21 株式会社日立製作所 Community inheritance method
US8688143B2 (en) 2004-08-24 2014-04-01 Qualcomm Incorporated Location based service (LBS) system and method for creating a social network
WO2006133141A2 (en) * 2005-06-06 2006-12-14 Sms.Ac, Inc. Billing system and method for micro-transactions
US7903099B2 (en) 2005-06-20 2011-03-08 Google Inc. Allocating advertising space in a network of displays
US20070011099A1 (en) * 2005-07-11 2007-01-11 Conrad Sheehan SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE, FIXED, or VIRTUAL DEVICES
GB0520238D0 (en) 2005-10-05 2005-11-16 Waterleaf Ltd Commercial transaction system with third party referral
EP1966748A2 (en) * 2005-11-25 2008-09-10 I-Movo Limited Electronic vouchers
GB0602765D0 (en) 2006-02-10 2006-03-22 Communigate Ltd Messaging system
US8909553B2 (en) * 2006-09-06 2014-12-09 Transaction Wireless, Inc. Payment card terminal for mobile phones
GB2450193A (en) * 2007-06-12 2008-12-17 Cvon Innovations Ltd Method and system for managing credits via a mobile device

Patent Citations (106)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US698163A (en) * 1901-04-29 1902-04-22 Charles Wessell Process of refining spelter.
US780533A (en) * 1904-09-24 1905-01-24 Peter A Sheley Motor-controlling mechanism.
US794956A (en) * 1904-12-23 1905-07-18 Pettibone Mulliken & Company Railway-rail.
US5381470A (en) * 1991-05-28 1995-01-10 Davox Corporation Supervisory management center with parameter testing and alerts
US5613213A (en) * 1994-03-31 1997-03-18 Motorola, Inc. Determining and displaying available services for a communication unit
US5768521A (en) * 1994-05-16 1998-06-16 Intel Corporation General purpose metering mechanism for distribution of electronic information
US6253189B1 (en) * 1997-09-15 2001-06-26 At&T Corp. System and method for completing advertising time slot transactions
US6250557B1 (en) * 1998-08-25 2001-06-26 Telefonaktiebolaget Lm Ericsson (Publ) Methods and arrangements for a smart card wallet and uses thereof
US6078866A (en) * 1998-09-14 2000-06-20 Searchup, Inc. Internet site searching and listing service based on monetary ranking of site listings
US6920464B2 (en) * 1998-12-03 2005-07-19 Grantley Patent Holdings, Ltd. System for generating an advertising revenue projection
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US6807410B1 (en) * 1999-02-19 2004-10-19 France Telecom Electronic payment process and system for implementing this process
US6269361B1 (en) * 1999-05-28 2001-07-31 Goto.Com System and method for influencing a position on a search result list generated by a computer network search engine
US7630986B1 (en) * 1999-10-27 2009-12-08 Pinpoint, Incorporated Secure data interchange
US20050177506A1 (en) * 1999-12-06 2005-08-11 Jussi Rissanen Host-sponsored data transmission billing system and method
US20070005429A1 (en) * 1999-12-08 2007-01-04 Jacobs Paul E Method for controlling the distribution of advertisements to informational client devices using a plurality of operating modes
US7478065B1 (en) * 1999-12-23 2009-01-13 Swisscom Mobile Ag Payment transaction method and payment transaction system
US20010007983A1 (en) * 1999-12-28 2001-07-12 Lee Jong-Ii Method and system for transaction of electronic money with a mobile communication unit as an electronic wallet
US6408309B1 (en) * 2000-02-23 2002-06-18 Dinesh Agarwal Method and system for creating an interactive virtual community of famous people
US20020019829A1 (en) * 2000-03-21 2002-02-14 Ehud Shapiro Community co-presence system and method having virtual groups
US20020035568A1 (en) * 2000-04-28 2002-03-21 Benthin Mark Louis Method and apparatus supporting dynamically adaptive user interactions in a multimodal communication system
US20020006803A1 (en) * 2000-05-12 2002-01-17 Dennis Mendiola Method and system for inviting and creating accounts for prospective users of an instant messaging system
US20100082439A9 (en) * 2000-05-24 2010-04-01 Matchcraft, Inc. Online media exchange
US20090043644A1 (en) * 2000-07-25 2009-02-12 Wilkman Michael A Universal transaction manager agent, systems and methods
US20020091569A1 (en) * 2000-08-01 2002-07-11 Keiko Kitaura Electronic coupon system
US7200633B2 (en) * 2000-08-25 2007-04-03 Ntt Docomo, Inc. Information delivery system and information delivery method
US7742996B1 (en) * 2000-09-27 2010-06-22 Khai Hee Kwan Computer program, system and method for on-line issuing and verifying a representation of economic value interchangeable for money having identification data and password protection over a computer network
US7406434B1 (en) * 2000-12-15 2008-07-29 Carl Meyer System and method for improving the performance of electronic media advertising campaigns through multi-attribute analysis and optimization
US20020075305A1 (en) * 2000-12-18 2002-06-20 Beaton Brian F. Graphical user interface for a virtual team environment
US20020077993A1 (en) * 2000-12-18 2002-06-20 Nokia Corporation Method and system for conducting wireless payments
US6871183B2 (en) * 2001-01-24 2005-03-22 Accenture System and method of preparing and processing data for trade promotion
US20020111848A1 (en) * 2001-02-12 2002-08-15 White Craig R. Aggregation of services on network portals
US20020120498A1 (en) * 2001-02-23 2002-08-29 Gordon Donald F. Method and apparatus for providing targeted advertisements
US7487126B2 (en) * 2001-04-09 2009-02-03 Khai Hee Kwan Computer network method for conducting payment over a network by debiting and crediting utilities accounts
US20040068435A1 (en) * 2001-07-09 2004-04-08 Scot Braunzell Method of automated Ad campaign management
US7225156B2 (en) * 2001-07-11 2007-05-29 Fisher Douglas C Persistent dynamic payment service
US20030040297A1 (en) * 2001-08-27 2003-02-27 Pecen Mark E. Advice of charge for communications services, architectures and methods therefor
US7406307B2 (en) * 2001-08-31 2008-07-29 Freetech, L.L.C. System and method for providing interoperable and on-demand telecommunications service
US20030074259A1 (en) * 2001-10-16 2003-04-17 Slyman David J. Wireless electronic coupon redemption
US20030126015A1 (en) * 2001-11-19 2003-07-03 Jenny Chan System and Method for Cardmember Acquisition
US20060026067A1 (en) * 2002-06-14 2006-02-02 Nicholas Frank C Method and system for providing network based target advertising and encapsulation
US20040133480A1 (en) * 2002-09-26 2004-07-08 Domes Ronald J. Targeted promotional method & system
US20060068845A1 (en) * 2002-10-01 2006-03-30 Dietmar Muller Sim-card for operation with a terminal of a communication network
US20050075929A1 (en) * 2002-10-17 2005-04-07 Wolinsky Robert I. System and method for partitioning airtime for distribution and display of content
US20080114657A1 (en) * 2002-11-01 2008-05-15 Modasolutions Corporation Internet payment system and method
US20040093289A1 (en) * 2002-11-07 2004-05-13 International Business Machines Corporation Location based services anonymous session tracking and anonymous information aggregation
US7213742B1 (en) * 2003-03-20 2007-05-08 Convergys Information Management Group, Inc. System and method for value creation
US20070074262A1 (en) * 2003-07-14 2007-03-29 Sony Corporation Display device, display method, and display control program
US20050021457A1 (en) * 2003-07-25 2005-01-27 Johnson A. Wayne Financial account up-front incentives management system and method
US20050125289A1 (en) * 2003-08-01 2005-06-09 Gil Beyda Audience targeting system with segment management
US8099490B2 (en) * 2003-08-07 2012-01-17 Telcordia Operations Limited Server for determining and storing mobile device capability data
US20050160002A1 (en) * 2003-09-04 2005-07-21 Alex Roetter Systems and methods for determining user actions
US7668950B2 (en) * 2003-09-23 2010-02-23 Marchex, Inc. Automatically updating performance-based online advertising system and method
US20050203849A1 (en) * 2003-10-09 2005-09-15 Bruce Benson Multimedia distribution system and method
US20050125397A1 (en) * 2003-12-04 2005-06-09 William Gross Transparent search engine
US20070066295A1 (en) * 2003-12-30 2007-03-22 Martin Wennberg Method and network for downloading data to mobile devices
US20070162328A1 (en) * 2004-01-20 2007-07-12 Nooly Technologies, Ltd. Lbs nowcasting sensitive advertising and promotion system and method
US7275685B2 (en) * 2004-04-12 2007-10-02 Rearden Capital Corporation Method for electronic payment
US7562058B2 (en) * 2004-04-16 2009-07-14 Fortelligent, Inc. Predictive model management using a re-entrant process
US20060026063A1 (en) * 2004-07-30 2006-02-02 Collins Robert J System and method for advertising campaign strategy development and optimization
US20060048059A1 (en) * 2004-08-26 2006-03-02 Henry Etkin System and method for dynamically generating, maintaining, and growing an online social network
US20060117378A1 (en) * 2004-11-04 2006-06-01 Tam Chung M System and method for creating a secure trusted social network
US20070194108A1 (en) * 2004-11-19 2007-08-23 American Express Travel Related Services Company, Inc. Assured Payments For Health Care Plans
US20060123014A1 (en) * 2004-12-07 2006-06-08 David Ng Ranking Internet Search Results Based on Number of Mobile Device Visits to Physical Locations Related to the Search Results
US7546619B2 (en) * 2005-01-12 2009-06-09 Invidi Technologies Corporation Voting and headend insertion model for targeting content in a broadcast network
US20060165060A1 (en) * 2005-01-21 2006-07-27 Robin Dua Method and apparatus for managing credentials through a wireless network
US20060173772A1 (en) * 2005-02-02 2006-08-03 Hayes John B Systems and methods for automated processing, handling, and facilitating a trade credit transaction
US20070174124A1 (en) * 2005-02-25 2007-07-26 Utbk, Inc. Methods and Apparatuses for Prioritizing Featured Listings
US20140236702A1 (en) * 2005-04-18 2014-08-21 The Retail Equation, Inc. Systems and methods for data collection and providing coupons at a point of return
US20090106100A1 (en) * 2005-04-26 2009-04-23 Governing Dynamics Llc Method of digital good placement in a dynamic, real time environment
US7533047B2 (en) * 2005-05-03 2009-05-12 International Business Machines Corporation Method and system for securing card payment transactions using a mobile communication device
US7676405B2 (en) * 2005-06-01 2010-03-09 Google Inc. System and method for media play forecasting
US7764947B2 (en) * 2005-08-19 2010-07-27 Nokia Corporation Online charging management server
US20090157546A1 (en) * 2005-08-22 2009-06-18 G-Xchange, Inc. Person to person virtual cash transfer transaction using mobile phones
US20070050372A1 (en) * 2005-08-31 2007-03-01 Convergent Media Systems Systems and methods for creating, managing and publishing advertisements
US20070060109A1 (en) * 2005-09-14 2007-03-15 Jorey Ramer Managing sponsored content based on user characteristics
US20070100805A1 (en) * 2005-09-14 2007-05-03 Jorey Ramer Mobile content cross-inventory yield optimization
US7660581B2 (en) * 2005-09-14 2010-02-09 Jumptap, Inc. Managing sponsored content based on usage history
US20070094066A1 (en) * 2005-10-21 2007-04-26 Shailesh Kumar Method and apparatus for recommendation engine using pair-wise co-occurrence consistency
US20070094113A1 (en) * 2005-10-21 2007-04-26 Eduardo Chapeta Transactional mobile system
US20070106564A1 (en) * 2005-11-04 2007-05-10 Utiba Pte Ltd. Mobile phone as a point of sale (POS) device
US20070105536A1 (en) * 2005-11-07 2007-05-10 Tingo George Jr Methods and apparatus for providing SMS notification, advertisement and e-commerce systems for university communities
US20070125838A1 (en) * 2005-12-06 2007-06-07 Law Eric C W Electronic wallet management
US20070150411A1 (en) * 2005-12-14 2007-06-28 Addepalli Sateesh K Universal payment system
US7974988B2 (en) * 2006-02-24 2011-07-05 Syniverse Icx Corporation System and method for cross-carrier mobile device capability discovery
US20080057920A1 (en) * 2006-02-28 2008-03-06 Commonwealth Intellectual Property Holdings, Inc. Interactive Marketing on Mobile Telephone
US7552867B2 (en) * 2006-03-15 2009-06-30 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
US20080052158A1 (en) * 2006-03-26 2008-02-28 Nutricate Corporation POS Advertising System, Method, and Computer Program Product
US7540408B2 (en) * 2006-06-22 2009-06-02 Hip Consult Inc. Apparatus and method for facilitating money or value transfer
US20080057917A1 (en) * 2006-08-30 2008-03-06 Daniela Oria Service availability update for a user having a prepaid account at a service provider capable of providing one or more services over a communications network
US20080065491A1 (en) * 2006-09-11 2008-03-13 Alexander Bakman Automated advertising optimizer
US20080065474A1 (en) * 2006-09-12 2008-03-13 Abhinay Sharma Secure conversion tracking
US20080103895A1 (en) * 2006-10-25 2008-05-01 Microsoft Corporation Self-serve percent rotation of future site channels for online advertising
US20080102766A1 (en) * 2006-10-31 2008-05-01 Schultz Michael J System and method for user identity authentication via mobile communication devices
US20080154727A1 (en) * 2006-12-26 2008-06-26 Mark Carlson Coupon offers from multiple entities
US20080162343A1 (en) * 2006-12-29 2008-07-03 Ebay Inc. Method and system for user payment account management
US8099316B2 (en) * 2007-07-09 2012-01-17 Velti Plc Mobile device marketing and advertising platforms, methods, and systems
US20090037239A1 (en) * 2007-08-02 2009-02-05 Daniel Wong Method For Improving Internet Advertising Click-Through Rates through Time-Dependent Keywords
US20090048905A1 (en) * 2007-08-16 2009-02-19 Xin Feng Methods for Grouping, Targeting and Meeting Objectives for an Advertisement Campaign
US8090613B2 (en) * 2007-12-10 2012-01-03 Kalb Kenneth J System and method for real-time management and optimization of off-line advertising campaigns
US20100082401A1 (en) * 2008-09-29 2010-04-01 Yahoo! Inc. Forecasting for advertising inventory allocation
US20100121694A1 (en) * 2008-09-30 2010-05-13 Yahoo! Inc. System for display advertising optimization with uncertain supply
US20100100407A1 (en) * 2008-10-17 2010-04-22 Yahoo! Inc. Scaling optimization of allocation of online advertisement inventory
US20100106606A1 (en) * 2008-10-29 2010-04-29 Yahoo! Inc. Automated user segment selection for delivery of online advertisements
US20100131352A1 (en) * 2008-11-24 2010-05-27 Admarvel, Inc. Mobile ad optimization architecture
US20110137941A1 (en) * 2009-12-04 2011-06-09 Microsoft Corporation Segmentation and profiling of users

Cited By (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100138553A1 (en) * 2008-12-01 2010-06-03 Google Inc. Selecting Format for Content Distribution
US9100223B2 (en) * 2008-12-01 2015-08-04 Google Inc. Selecting format for content distribution
US20110066491A1 (en) * 2009-09-16 2011-03-17 Telefonaktiebolaget L M Ericsson (Publ) Method and Communication Device for Using a First Service Based on an Account Chargeable with the Use of a Second Service
US20110320252A1 (en) * 2010-06-24 2011-12-29 Mobile Media Solutions, Inc. Apparatus and Method for Redeeming an Incentive on a Wireless Device
US10114976B2 (en) 2011-11-01 2018-10-30 Google Llc Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements
US8875228B2 (en) 2011-11-01 2014-10-28 Jvl Ventures, Llc Systems, methods, and computer program products for managing secure elements
US9104887B2 (en) 2011-11-01 2015-08-11 Google Inc. Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements
US9323945B2 (en) 2011-11-01 2016-04-26 Google Inc. Systems, methods, and computer program products for managing secure elements
US9544759B2 (en) 2011-11-01 2017-01-10 Google Inc. Systems, methods, and computer program products for managing states
US9652628B2 (en) 2011-11-01 2017-05-16 Google Inc. Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements
US9928382B2 (en) 2011-11-01 2018-03-27 Google Llc Systems, methods, and computer program products for managing secure elements
US10127533B2 (en) 2012-07-31 2018-11-13 Google Llc Managing devices associated with a digital wallet account
US10057773B2 (en) 2012-09-18 2018-08-21 Google Llc Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements
US9479571B2 (en) 2012-09-18 2016-10-25 Google Inc. Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements

Also Published As

Publication number Publication date
US20080313044A1 (en) 2008-12-18
US20110173053A1 (en) 2011-07-14
GB2450193A (en) 2008-12-17
US8195547B2 (en) 2012-06-05
US7933799B2 (en) 2011-04-26
WO2008152118A2 (en) 2008-12-18
WO2008152118A3 (en) 2009-03-05
GB0803468D0 (en) 2008-04-02
US20130144789A1 (en) 2013-06-06
EP2168393A2 (en) 2010-03-31

Similar Documents

Publication Publication Date Title
US9460433B2 (en) Proximity detection, virtual detection, or location based triggering of the exchange of value and information
US20170039560A1 (en) Systems and methods to process transactions and offers via a gateway
US10078837B2 (en) Systems and methods to generate a receipt for a transaction
US8655762B2 (en) Integration of gift card services for mobile devices and social networking services
JP6042276B2 (en) Method and apparatus for distribution and personalization of E-coupon
US20140012694A1 (en) Gift card services for mobile devices
US9100675B2 (en) System and method for distributing and redeeming coupons on a broadcast system
US10528952B2 (en) Service provider system and method for marketing programs
US8903733B2 (en) System and methods for discount retailing
US20140032297A1 (en) Mobile device mediated handling of reward points redeemable towards local transportation
US7831520B2 (en) Mobile device communication system
US9792616B2 (en) Method for generating an electronic coupon, coupon holding device, system for generating an electronic coupon, electronic coupon and computer program product
US8117124B2 (en) Transferring funds electronically
US8346660B2 (en) System and method for two-way transfer of funds and electronic content between summa account users with gathering of behavioral metrics and management of multiple currencies and escrow accounts
US8583504B2 (en) Systems and methods to provide offers on mobile devices
RU2192049C1 (en) Method for distributing publicity information messages
US8930236B2 (en) Electronic incentive methods and systems for enabling carbon credit rewards and interactive participation of individuals and groups within the system
US20170243242A1 (en) Systems and methods for adding functionality to merchant sales and facilitating data collection
US8577345B2 (en) Systems, methods, and apparatus for providing promotion information to a mobile device
US20120179536A1 (en) System and method for management and optimization of off-line advertising campaigns with a consumer call to action
US20150195596A1 (en) Advertising management method and system
US20130290096A1 (en) System and method of measuring lift in a marketing program
US8577346B2 (en) Systems, methods, and apparatus for receiving promotion information by a mobile device
US20160267512A1 (en) Electronic coupon management
KR20120110172A (en) System and method for managing promotional offers using a communications platform

Legal Events

Date Code Title Description
AS Assignment

Owner name: BLYK SERVICES OY, FINLAND

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:AALTONEN, JANNE;REEL/FRAME:023638/0592

Effective date: 20071105

Owner name: CVON INNOVATIONS LIMITED, UNITED KINGDOM

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:BLYK SERVICES OY;REEL/FRAME:023638/0627

Effective date: 20071120

Owner name: CVON INNOVATION SERVICES OY, FINLAND

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:SARU, SAMI;REEL/FRAME:023638/0660

Effective date: 20071104

Owner name: CVON INNOVATIONS LIMITED, UNITED KINGDOM

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:CVON INNOVATION SERVICES OY;REEL/FRAME:023638/0683

Effective date: 20071120

AS Assignment

Owner name: APPLE INC., CALIFORNIA

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:CVON INNOVATIONS LIMITED;REEL/FRAME:026468/0166

Effective date: 20101130

STCB Information on status: application discontinuation

Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION