US20130144789A1 - 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
US20130144789A1
US20130144789A1 US13753189 US201313753189A US2013144789A1 US 20130144789 A1 US20130144789 A1 US 20130144789A1 US 13753189 US13753189 US 13753189 US 201313753189 A US201313753189 A US 201313753189A US 2013144789 A1 US2013144789 A1 US 2013144789A1
Authority
US
Grant status
Application
Patent type
Prior art keywords
credit
computing device
mobile computing
sponsor
monetary value
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
US13753189
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
Apple Inc
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

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 COMMUNICATIONS 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 offset, or sponsored, by one or more token providers 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

    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.
  • 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, as set forth in the appended claims. The users of the mobile telephones are able to use the monetary value of the credits to purchase goods and/or services at e.g. point of sale terminals and the like.
  • 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 provisioning systems in the form of token providers 20 which provide tokens which can be used to offset some of the mobile service such as voice or messaging, or a token provider can be an advertiser which, in exchange for offsetting 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 token provider 20 may also be a party which wants to offset some specific payments to users of mobile devices 12. Each token provider 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 token provider for whatever credits or services their tokens are designated to offset, or sponsor.
  • Regardless of the nature of the sponsorship provided by token provider(s) 20, each token provider 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 token provider(s) 20 to mobile devices 12 and thus can be considered to be independent of the token provider(s) 20, i.e., not include the token provider(s) 20 or the mobile devices 12. On the other hand, the invention also encompasses a system for enabling token providers to offset 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 token provider(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 token provider(s) 20 is operatively connected to the issuer 22 to enable each token provider 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 token providers 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 issuer 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 mobile terminal 12 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 token providers 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 12, for example, using prior art techniques.
  • In some embodiments of the invention, the token provider 20 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 sends a message to a token provider 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 token provider 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 token provider 20, a computer program in the mobile device of the token provider 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 token provider 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 token provider 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 token provider'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 token provider 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 token provider 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 token provider willing to partly or even fully cover the requested credit. Wallet service server 18 then communicates with a token provider 20 advising the token provider of the user's request for credit and requesting a response as to whether the token provider 20 is willing to provide some or all of the requested credit (message S22). If token provider 20 agrees to provide credit, a message S23 is sent by token provider 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 token provider or sponsors of the credit. Alternatively the credit can be used to top-up the amount of credit in the user's account in the billing system 16. The available credit can be used by the user of the mobile device in the manner described above.
  • The process by which the wallet service server 18 identifies whether or not the token provider can provide some or all of the requested credit can involve the sending of a series of messages, in the form of a negotiation, or dialogue, between the wallet service server 18 and the token provider 20. For example, the token provider 20 may respond, in message S23, with a message indicating an amount that the token provider 20 is willing to provide. The wallet service server 18 can compare this amount with the amount of requested credit; if it is less than the amount of requested credit, the wallet service server 18 can check the balance associated with the mobile device in the billing system 16, add this to the amount of credit the token provider 20 has indicated it is willing to provide, and if there is a shortfall in the amount of available credit (i.e. a combination of that in the billing system 16 and the amount of credit agreed to be provided by the token provider 20), the wallet service server 18 could transmit a further request message (i.e. a repeat of message S21) to the token provider 20 or another token provider. The amount of credit requested in the further request message will be less than that specified in the initial S21 message, but more than that offered by the token provider in message S23. It will be appreciated that this process can continue, iteratively, until the token provider 20 has agreed to provide an amount that, together with the available credit in the billing system 16, equals the requested credit. If the token provider 20 is unable to provide an amount of credit that would cover the shortfall, the wallet service system 18 can coordinate similar requests between a plurality of different token providers 20 such that the requested credit is provided by a combination of different token providers 20 (and/or including the billing system 16).
  • In one embodiment, a token provider 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 token provider 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 token provider 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 token provider 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 token provider could be provided with data about each user requesting credit (in the message from the wallet service server 18 to the token provider 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. In the arrangement in which the database is associated with the wallet service server 18, the database could further include data identifying mobile devices and token providers registered in respect thereof. The wallet service server 18 could then perform an initial filtering of credit requests by querying the database in order to identify which, if any, of the available token providers the mobile device has registered with. In this way the wallet service server 18 would only send user data to token providers with which the user associated with the requesting mobile device has registered. In a further arrangement the wallet service server 18 is arranged to send the credit request to token providers with whom the user has registered, but without any user data. This arrangement is particularly useful in environments where the user data is maintained by a given token provider upon registration of the user and where data protection requires that the user data is not distributed beyond the token provider.
  • 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 token provider 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 token providers. 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 token providers to provide available credit into the account of each user of a mobile device, and also manage payments from each token provider 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 token provider 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 sponsor, 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 (33)

    We claim:
  1. 1. A method comprising:
    transmitting, from a mobile computing device, a credit request requesting that a sponsor authorize issuance of a credit having monetary value to the mobile computing device; and
    receiving, at the mobile computing device, from an issuing server, the credit having monetary value, wherein the credit having monetary value is issued to the mobile computing device upon the sponsor authorizing the credit request and the user of the mobile computing device is notified upon receiving the credit.
  2. 2. The method of claim 1, wherein the credit having monetary value is debited from an account associated with the user of the mobile computing device.
  3. 3. The method of claim 1, wherein the credit having monetary value is debited from an account associated with the sponsor.
  4. 4. The method of claim 1, wherein the sponsor authorizes the credit having monetary value by transmitting an authorization message to the issuing server.
  5. 5. The method of claim 4, wherein the credit request is transmitted to a mobile computing device of the sponsor.
  6. 6. The method of claim 4, wherein the credit request is transmitted to the issuing server and the issuing server transmits a second credit request to a mobile computing device of the sponsor, wherein the credit request identifies the sponsor.
  7. 7. The method of claim 1, wherein the credit request includes data indicating a requested monetary amount.
  8. 8. The method of claim 7, wherein the credit request includes data identifying an on sale item, wherein the requested monetary amount is based on a purchase price of the on sale item.
  9. 9. The method of claim 8, further comprising:
    entering a code associated with the on sale item, the code indicating the purchase price of the on sale item.
  10. 10. The method of claim 8, wherein entering the code comprises scanning the code.
  11. 11. The method of claim 1, further comprising:
    transmitting, to a point of sale system, data indicative of the credit having monetary value to purchase an on sale item.
  12. 12. A mobile computing device, comprising:
    a processor; and
    a memory containing instructions that, when executed, cause the processor to:
    transmit a credit request requesting that a sponsor authorize issuance of a credit having monetary value to the mobile computing device; and
    receive, from an issuing server, the credit having monetary value, wherein the credit having monetary value is issued to the mobile computing device upon the sponsor authorizing the credit request and the user of the mobile computing device is notified upon receiving the credit.
  13. 13. The mobile computing device of claim 12, wherein the credit having monetary value is debited from an account associated with the user of the mobile computing device.
  14. 14. The mobile computing device of claim 12, wherein the credit having monetary value is debited from an account associated with the sponsor.
  15. 15. The mobile computing device of claim 12, wherein the sponsor authorizes the credit having monetary value by transmitting an authorization message to the issuing server.
  16. 16. The mobile computing device of claim 15, wherein the credit request is transmitted to a mobile computing device of the sponsor.
  17. 17. The mobile computing device of claim 15, wherein the credit request is transmitted to the issuing server and the issuing server transmits a second credit request to a mobile computing device of the sponsor, wherein the credit request identifies the sponsor.
  18. 18. The mobile computing device of claim 12, wherein the credit request includes data indicating a requested monetary amount.
  19. 19. The mobile computing device of claim 18, wherein the credit request includes data identifying an on sale item, wherein the requested monetary amount is based on a purchase price of the on sale item.
  20. 20. The mobile computing device of claim 19, wherein the instructions further cause the processor to:
    enter a code associated with the on sale item, the code indicating the purchase price of the on sale item.
  21. 21. The mobile computing device of claim 19, wherein entering the code comprises scanning the code.
  22. 22. The mobile computing device of claim 12, wherein the instructions further cause the processor to:
    transmit, to a point of sale system, data indicative of the credit having monetary value to purchase an on sale item.
  23. 23. A non-transitory computer-readable medium containing instructions that, when executed by a mobile computing device, cause the mobile computing device to:
    transmit, a credit request requesting that a sponsor authorize issuance of a credit having monetary value to the mobile computing device; and
    receiving, from an issuing server, the credit having monetary value, wherein the credit having monetary value is issued to the mobile computing device upon the sponsor authorizing the credit request and the user of the mobile computing device is notified upon receiving the credit.
  24. 24. The non-transitory computer-readable medium of claim 23, wherein the credit having monetary value is debited from an account associated with the user of the mobile computing device.
  25. 25. The non-transitory computer-readable medium of claim 23, wherein the credit having monetary value is debited from an account associated with the sponsor.
  26. 26. The non-transitory computer-readable medium of claim 23, wherein the sponsor authorizes the credit having monetary value by transmitting an authorization message to the issuing server.
  27. 27. The non-transitory computer-readable medium of claim 26, wherein the credit request is transmitted to a mobile computing device of the sponsor.
  28. 28. The non-transitory computer-readable medium of claim 26, wherein the credit request is transmitted to the issuing server and the issuing server transmits a second credit request to a mobile computing device of the sponsor, wherein the credit request identifies the sponsor.
  29. 29. The non-transitory computer-readable medium of claim 23, wherein the credit request includes data indicating a requested monetary amount.
  30. 30. The non-transitory computer-readable medium of claim 29, wherein the credit request includes data identifying an on sale item, wherein the requested monetary amount is based on a purchase price of the on sale item.
  31. 31. The non-transitory computer-readable medium of claim 30, wherein the instructions further cause the mobile computing device to:
    enter a code associated with the on sale item, the code indicating the purchase price of the on sale item.
  32. 32. The non-transitory computer-readable medium of claim 30, wherein entering the code comprises scanning the code.
  33. 33. The non-transitory computer-readable medium of claim 23, wherein the instructions further cause the mobile computing device to:
    transmit, to a point of sale system, data indicative of the credit having monetary value to purchase an on sale item.
US13753189 2007-06-12 2013-01-29 Method and system for managing credits via a mobile device Abandoned US20130144789A1 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
US93422707 true 2007-06-12 2007-06-12
GB0803468A GB0803468D0 (en) 2007-06-12 2008-02-26 Method and sytem for managing credits via a mobile device
GB0803468.8 2008-02-26
PCT/EP2008/057438 WO2008152118A3 (en) 2007-06-12 2008-06-12 Method and system for managing credits via a mobile device
US66407909 true 2009-12-15 2009-12-15
US13753189 US20130144789A1 (en) 2007-06-12 2013-01-29 Method and system for managing credits via a mobile device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US13753189 US20130144789A1 (en) 2007-06-12 2013-01-29 Method and system for managing credits via a mobile device

Related Parent Applications (2)

Application Number Title Priority Date Filing Date
PCT/EP2008/057438 Continuation WO2008152118A3 (en) 2007-06-12 2008-06-12 Method and system for managing credits via a mobile device
US66407909 Continuation 2009-12-15 2009-12-15

Publications (1)

Publication Number Publication Date
US20130144789A1 true true US20130144789A1 (en) 2013-06-06

Family

ID=39284566

Family Applications (4)

Application Number Title Priority Date Filing Date
US12157099 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
US12664079 Abandoned US20100174595A1 (en) 2007-06-12 2008-06-12 Method and system for managing credits via a mobile device
US13071676 Active US8195547B2 (en) 2007-06-12 2011-03-25 Method and system for payment and/or issuance of credits via a mobile device
US13753189 Abandoned US20130144789A1 (en) 2007-06-12 2013-01-29 Method and system for managing credits via a mobile device

Family Applications Before (3)

Application Number Title Priority Date Filing Date
US12157099 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
US12664079 Abandoned US20100174595A1 (en) 2007-06-12 2008-06-12 Method and system for managing credits via a mobile device
US13071676 Active US8195547B2 (en) 2007-06-12 2011-03-25 Method and system for payment and/or issuance of credits via a mobile device

Country Status (4)

Country Link
US (4) US7933799B2 (en)
EP (1) EP2168393A2 (en)
GB (1) GB0803468D0 (en)
WO (1) WO2008152118A3 (en)

Cited By (46)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100193699A1 (en) * 2009-02-05 2010-08-05 Fujifilm Corporation Radiography network system and radiographic image capturing system control method
US20110238569A1 (en) * 2010-03-25 2011-09-29 Bizmodeline Co., Ltd. Mobile payments
US20130229951A1 (en) * 2009-01-28 2013-09-05 Headwater Partners I Llc Automated device provisioning and activation
US8589541B2 (en) 2009-01-28 2013-11-19 Headwater Partners I Llc Device-assisted services for protecting network capacity
US8606911B2 (en) 2009-03-02 2013-12-10 Headwater Partners I Llc Flow tagging for service policy implementation
US20140006276A1 (en) * 2012-06-28 2014-01-02 Bank Of America Corporation Mobile wallet account number differentiation
US8626115B2 (en) 2009-01-28 2014-01-07 Headwater Partners I Llc Wireless network service interfaces
US8630630B2 (en) 2009-01-28 2014-01-14 Headwater Partners I Llc Enhanced roaming services and converged carrier networks with device assisted services and a proxy
US8630617B2 (en) 2009-01-28 2014-01-14 Headwater Partners I Llc Device group partitions and settlement platform
US8634821B2 (en) 2009-01-28 2014-01-21 Headwater Partners I Llc Device assisted services install
US8634805B2 (en) 2009-01-28 2014-01-21 Headwater Partners I Llc Device assisted CDR creation aggregation, mediation and billing
US8635335B2 (en) 2009-01-28 2014-01-21 Headwater Partners I Llc System and method for wireless network offloading
US8725123B2 (en) 2008-06-05 2014-05-13 Headwater Partners I Llc Communications device with secure data path processing agents
US8745220B2 (en) 2009-01-28 2014-06-03 Headwater Partners I Llc System and method for providing user notifications
US8793758B2 (en) 2009-01-28 2014-07-29 Headwater Partners I Llc Security, fraud detection, and fraud mitigation in device-assisted services systems
US8832777B2 (en) 2009-03-02 2014-09-09 Headwater Partners I Llc Adapting network policies based on device service processor configuration
US8868455B2 (en) 2009-01-28 2014-10-21 Headwater Partners I Llc Adaptive ambient services
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
US8898293B2 (en) 2009-01-28 2014-11-25 Headwater Partners I Llc Service offer set publishing to device agent with on-device service selection
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
US8924543B2 (en) 2009-01-28 2014-12-30 Headwater Partners I Llc Service design center for device assisted services
US8924469B2 (en) 2008-06-05 2014-12-30 Headwater Partners I Llc Enterprise access control and accounting allocation for access networks
US9094311B2 (en) 2009-01-28 2015-07-28 Headwater Partners I, Llc Techniques for attribution of mobile device data traffic to initiating end-user application
US9154826B2 (en) 2011-04-06 2015-10-06 Headwater Partners Ii Llc Distributing content and service launch objects to mobile devices
US9198042B2 (en) 2009-01-28 2015-11-24 Headwater Partners I Llc Security techniques for device assisted services
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods
US9247450B2 (en) 2009-01-28 2016-01-26 Headwater Partners I Llc Quality of service for device assisted services
US9253663B2 (en) 2009-01-28 2016-02-02 Headwater Partners I Llc Controlling mobile device communications on a roaming network based on device state
US9351193B2 (en) 2009-01-28 2016-05-24 Headwater Partners I Llc Intermediate networking devices
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
US9557889B2 (en) 2009-01-28 2017-01-31 Headwater Partners I Llc Service plan design, user interfaces, application programming interfaces, and device management
US9565707B2 (en) 2009-01-28 2017-02-07 Headwater Partners I Llc Wireless end-user device with wireless data attribution to multiple personas
US9572019B2 (en) 2009-01-28 2017-02-14 Headwater Partners LLC Service selection set published to device agent with on-device service selection
US9578182B2 (en) 2009-01-28 2017-02-21 Headwater Partners I Llc Mobile device and service management
US9647918B2 (en) 2009-01-28 2017-05-09 Headwater Research Llc Mobile device and method attributing media services network usage to requesting application
US9706061B2 (en) 2009-01-28 2017-07-11 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
US9785936B1 (en) 2014-09-09 2017-10-10 Walletron, Inc. Method for administering billing, servicing messaging and payment in digital wallets
US9858559B2 (en) 2009-01-28 2018-01-02 Headwater Research Llc Network service plan design
US9947004B2 (en) 2012-06-28 2018-04-17 Green Dot Corporation Wireless client transaction systems and related methods
US9954975B2 (en) 2009-01-28 2018-04-24 Headwater Research Llc Enhanced curfew and protection associated with a device group
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
US9980146B2 (en) 2009-01-28 2018-05-22 Headwater Research Llc Communications device with secure data path processing agents
US10057775B2 (en) 2009-01-28 2018-08-21 Headwater Research Llc Virtualized policy and charging system
US10064055B2 (en) 2009-01-28 2018-08-28 Headwater Research Llc Security, fraud detection, and fraud mitigation in device-assisted services systems
US10089609B2 (en) * 2015-12-14 2018-10-02 Visa International Service Association System and methods for online/offline synchronization

Families Citing this family (53)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
GB0623571D0 (en) * 2006-11-27 2007-01-03 Cvon Innovations Ltd System for authentication of network usage
US8935718B2 (en) 2007-05-22 2015-01-13 Apple Inc. Advertising management method and system
GB0803468D0 (en) * 2007-06-12 2008-04-02 Cvon Innovations Ltd Method and sytem for managing credits via a mobile device
US8929857B2 (en) 2007-06-28 2015-01-06 Kajeet, Inc. Policy management of electronic devices
US7945238B2 (en) 2007-06-28 2011-05-17 Kajeet, Inc. System and methods for managing the utilization of a communications device
US20090076904A1 (en) * 2007-09-17 2009-03-19 Frank David Serena Embedding digital values for digital exchange
WO2009124336A1 (en) * 2008-04-07 2009-10-15 Lid Power Pty Limited A device, method and system for facilitating a transaction
US20110208594A1 (en) * 2008-05-05 2011-08-25 Doro Joshua A Universal financial transaction system
US8447669B2 (en) 2008-08-26 2013-05-21 Visa U.S.A. Inc. System and method for implementing financial assistance programs
US9100223B2 (en) * 2008-12-01 2015-08-04 Google Inc. Selecting format for content distribution
US9721238B2 (en) 2009-02-13 2017-08-01 Visa U.S.A. Inc. Point of interaction loyalty currency redemption in a transaction
US20100251304A1 (en) 2009-03-30 2010-09-30 Donoghue Patrick J Personal media channel apparatus and methods
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
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
US20110103374A1 (en) 2009-10-30 2011-05-05 Lajoie Michael L 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
US8942992B1 (en) * 2010-05-20 2015-01-27 Sprint Communications Company L.P. Dynamic promotion code insertion in contactless payment transaction
US20110320252A1 (en) * 2010-06-24 2011-12-29 Mobile Media Solutions, Inc. Apparatus and Method for Redeeming an Incentive on a Wireless Device
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
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
US9773212B2 (en) 2011-02-28 2017-09-26 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
US9996838B2 (en) 2011-03-04 2018-06-12 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
WO2012155081A1 (en) 2011-05-11 2012-11-15 Visa International Service Association Electronic receipt manager 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
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
US9544759B2 (en) 2011-11-01 2017-01-10 Google Inc. Systems, methods, and computer program products for managing states
WO2013066621A1 (en) 2011-11-01 2013-05-10 Jvl Ventures, Llc Systems, methods, and computer program products for managing secure elements
US9953378B2 (en) 2012-04-27 2018-04-24 Visa International Service Association Social checkout widget generation and integration apparatuses, methods and systems
US10096022B2 (en) 2011-12-13 2018-10-09 Visa International Service Association Dynamic widget generator 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
US8918080B2 (en) 2012-01-17 2014-12-23 Kajeet, Inc. Mobile device management
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
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
KR101793664B1 (en) 2012-09-18 2017-11-06 구글 엘엘씨 Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements
WO2014160897A1 (en) * 2013-03-27 2014-10-02 Ebay Inc. Claiming incentives on networked televisions
US20140372286A1 (en) * 2013-06-13 2014-12-18 Kajeet, Inc. Platform for enabling sponsored functions of a computing device

Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020091569A1 (en) * 2000-08-01 2002-07-11 Keiko Kitaura Electronic coupon system
US20060173772A1 (en) * 2005-02-02 2006-08-03 Hayes John B Systems and methods for automated processing, handling, and facilitating a trade credit transaction
US20070011099A1 (en) * 2005-07-11 2007-01-11 Conrad Sheehan SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE, FIXED, or VIRTUAL DEVICES
US20070022058A1 (en) * 2002-08-08 2007-01-25 Fujitsu Limited Wireless computer wallet for physical point of sale (POS) transactions
US20070094113A1 (en) * 2005-10-21 2007-04-26 Eduardo Chapeta Transactional mobile system
US20080059375A1 (en) * 2006-09-06 2008-03-06 Basil Munir Abifaker Payment Card Terminal for Mobile Phones
US7478065B1 (en) * 1999-12-23 2009-01-13 Swisscom Mobile Ag Payment transaction method and payment transaction system
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
US20090157546A1 (en) * 2005-08-22 2009-06-18 G-Xchange, Inc. Person to person virtual cash transfer transaction using mobile phones
US20100299256A1 (en) * 2000-08-15 2010-11-25 Yahoo! Inc. Systems and methods for implementing person-to-person money exchange

Family Cites Families (119)

* 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
US6920464B2 (en) * 1998-12-03 2005-07-19 Grantley Patent Holdings, Ltd. System for generating an advertising revenue projection
US6078866A (en) * 1998-09-14 2000-06-20 Searchup, Inc. Internet site searching and listing service based on monetary ranking of site listings
US6487583B1 (en) 1998-09-15 2002-11-26 Ikimbo, Inc. System and method for information and application distribution
US7406307B2 (en) * 2001-08-31 2008-07-29 Freetech, L.L.C. System and method for providing interoperable and on-demand telecommunications service
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
FR2790162B1 (en) * 1999-02-19 2001-04-13 France Telecom Method for remote payment and system for carrying out this method
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
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
US7630986B1 (en) * 1999-10-27 2009-12-08 Pinpoint, Incorporated Secure data interchange
US6826542B1 (en) * 1999-11-23 2004-11-30 Ipayables, Inc. System and method for collecting, enhancing and distributing invoices electronically via the internet
US6839684B1 (en) * 1999-12-06 2005-01-04 Nokia Corporation Host-sponsored data transmission billing system and method
US20070005428A1 (en) * 1999-12-08 2007-01-04 Jacobs Paul E Method for distributing advertisements to client devices having e-mail software installed including multiple advertisement operational modes
WO2001044977A8 (en) 1999-12-14 2004-02-26 Imandi Com Inc Combined offline and online verification of user legitimacy for electronic commerce
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
WO2001071939A1 (en) 2000-03-21 2001-09-27 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
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
US7218921B2 (en) 2000-05-12 2007-05-15 Chikka Pte Ltd Method and system for inviting and creating accounts for prospective users of an instant messaging system
WO2002008998A1 (en) * 2000-07-25 2002-01-31 Wilkman Michael A Universal transaction manager agent, systems and methods
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
WO2002044989A8 (en) 2000-10-19 2003-01-30 Kirk Feathers Method and system for dynamically maintaining internet associations
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
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
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
US7970645B2 (en) * 2001-02-23 2011-06-28 Cox Communications, Inc. Method and apparatus for providing targeted advertisements
GB0105245D0 (en) * 2001-03-02 2001-04-18 Sonera Smarttrust Ltd Transaction management systems and methods
GB0112435D0 (en) 2001-05-22 2001-07-11 Yakara Plc Mobile community communication
US20060026067A1 (en) * 2002-06-14 2006-02-02 Nicholas Frank C Method and system for providing network based target advertising and encapsulation
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
US20030023631A1 (en) 2001-07-26 2003-01-30 Castle Daniel C. Advertisement selection engine for placing micro-advertising
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
US20050075929A1 (en) * 2002-10-17 2005-04-07 Wolinsky Robert I. System and method for partitioning airtime for distribution and display of content
US20030126015A1 (en) 2001-11-19 2003-07-03 Jenny Chan System and Method for Cardmember Acquisition
EP1320214A1 (en) 2001-12-12 2003-06-18 Markport Limited Unified account management for data network access
US7213742B1 (en) * 2003-03-20 2007-05-08 Convergys Information Management Group, Inc. System and method for value creation
CA2443118A1 (en) * 2002-09-26 2004-03-26 Ronald J. Domes Targeted promotional method & system
DE10246124A1 (en) 2002-10-01 2004-04-15 T-Mobile Deutschland Gmbh SIM card for operating with a terminal of a mobile communication network
US20040139016A1 (en) * 2002-11-01 2004-07-15 Modasolutions Corporation Internet payment systerm and method
US20040093289A1 (en) * 2002-11-07 2004-05-13 International Business Machines Corporation Location based services anonymous session tracking and anonymous information aggregation
EP1625716B2 (en) 2003-05-06 2014-04-09 Apple Inc. Method of modifying a message, store-and-forward network system and data messaging system
US8073898B2 (en) * 2003-07-14 2011-12-06 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
US8150732B2 (en) * 2003-08-01 2012-04-03 Tacoda Llc Audience targeting system with segment management
EP1652399B1 (en) * 2003-08-07 2011-03-02 Pervenio 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
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
US20050203849A1 (en) * 2003-10-09 2005-09-15 Bruce Benson Multimedia distribution system and method
US20060009204A1 (en) 2003-11-03 2006-01-12 Starhome Gmbh Telephone functionality for generic applications in a mobile handset
US20070194108A1 (en) * 2004-11-19 2007-08-23 American Express Travel Related Services Company, Inc. Assured Payments For Health Care Plans
US20050125397A1 (en) * 2003-12-04 2005-06-09 William Gross Transparent search engine
US20070162328A1 (en) * 2004-01-20 2007-07-12 Nooly Technologies, Ltd. Lbs nowcasting sensitive advertising and promotion system and method
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
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
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
US20060026062A1 (en) * 2004-07-30 2006-02-02 Collins Robert J System and method for optimizing advertising marketplace operations
US8688143B2 (en) 2004-08-24 2014-04-01 Qualcomm Incorporated Location based service (LBS) system and method for creating a social network
US7890871B2 (en) 2004-08-26 2011-02-15 Redlands Technology, Llc System and method for dynamically generating, maintaining, and growing an online social network
EP1815642A4 (en) 2004-11-04 2010-12-29 Topeer Corp 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
US8700729B2 (en) * 2005-01-21 2014-04-15 Robin Dua Method and apparatus for managing credentials through a wireless network
US20070174124A1 (en) * 2005-02-25 2007-07-26 Utbk, Inc. Methods and Apparatuses for Prioritizing Featured Listings
US7455226B1 (en) * 2005-04-18 2008-11-25 The Return Exchange, Inc. Systems and methods for data collection at a point of return
EP1897045A2 (en) * 2005-04-26 2008-03-12 Governing Dynamics Inc. A method of digital good placement in a dynamic, real time environment
US7676405B2 (en) * 2005-06-01 2010-03-09 Google Inc. System and method for media play forecasting
US7903099B2 (en) 2005-06-20 2011-03-08 Google Inc. Allocating advertising space in a network of displays
GB0517065D0 (en) * 2005-08-19 2005-09-28 Nokia Corp Online charging management server
US20070050372A1 (en) * 2005-08-31 2007-03-01 Convergent Media Systems Systems and methods for creating, managing and publishing advertisements
US7660581B2 (en) * 2005-09-14 2010-02-09 Jumptap, Inc. Managing sponsored content based on usage history
US20070100805A1 (en) * 2005-09-14 2007-05-03 Jorey Ramer Mobile content cross-inventory yield optimization
US20070060109A1 (en) * 2005-09-14 2007-03-15 Jorey Ramer Managing sponsored content based on user characteristics
GB0520238D0 (en) 2005-10-05 2005-11-16 Waterleaf Ltd Commercial transaction system with third party referral
US7672865B2 (en) * 2005-10-21 2010-03-02 Fair Isaac Corporation Method and apparatus for retail data mining using pair-wise co-occurrence consistency
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
WO2007060451A3 (en) * 2005-11-25 2007-08-09 Movo Ltd I Electronic vouchers
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
GB0602765D0 (en) 2006-02-10 2006-03-22 Communigate Ltd Messaging system
US7610551B2 (en) * 2006-02-24 2009-10-27 Verisign, Inc. System and method for managing distribution of multi-formatted content
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
US8788343B2 (en) * 2006-10-25 2014-07-22 Microsoft Corporation Price determination and inventory allocation based on spot and futures markets in 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
US8615426B2 (en) * 2006-12-26 2013-12-24 Visa U.S.A. Inc. Coupon offers from multiple entities
US7860784B2 (en) * 2006-12-29 2010-12-28 Ebay Inc. Method and system for user payment account management
GB0803468D0 (en) * 2007-06-12 2008-04-02 Cvon Innovations Ltd Method and sytem for managing credits via a mobile device
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
US8311886B2 (en) * 2008-09-30 2012-11-13 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
US8234166B2 (en) * 2008-10-29 2012-07-31 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
US8244760B2 (en) * 2009-12-04 2012-08-14 Microsoft Corporation Segmentation and profiling of users

Patent Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7478065B1 (en) * 1999-12-23 2009-01-13 Swisscom Mobile Ag Payment transaction method and payment transaction system
US20020091569A1 (en) * 2000-08-01 2002-07-11 Keiko Kitaura Electronic coupon system
US20100299256A1 (en) * 2000-08-15 2010-11-25 Yahoo! Inc. Systems and methods for implementing person-to-person money exchange
US20070022058A1 (en) * 2002-08-08 2007-01-25 Fujitsu Limited Wireless computer wallet for physical point of sale (POS) transactions
US20060173772A1 (en) * 2005-02-02 2006-08-03 Hayes John B Systems and methods for automated processing, handling, and facilitating a trade credit transaction
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
US20070011099A1 (en) * 2005-07-11 2007-01-11 Conrad Sheehan SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE, FIXED, or VIRTUAL DEVICES
US20090157546A1 (en) * 2005-08-22 2009-06-18 G-Xchange, Inc. Person to person virtual cash transfer transaction using mobile phones
US20070094113A1 (en) * 2005-10-21 2007-04-26 Eduardo Chapeta Transactional mobile system
US20080059375A1 (en) * 2006-09-06 2008-03-06 Basil Munir Abifaker Payment Card Terminal for Mobile Phones

Cited By (134)

* 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
US8788661B2 (en) 2009-01-28 2014-07-22 Headwater Partners I Llc Device assisted CDR creation, aggregation, mediation and billing
US8570908B2 (en) 2009-01-28 2013-10-29 Headwater Partners I Llc Automated device provisioning and activation
US8583781B2 (en) 2009-01-28 2013-11-12 Headwater Partners I Llc Simplified service network architecture
US8588110B2 (en) 2009-01-28 2013-11-19 Headwater Partners I Llc Verifiable device assisted service usage billing with integrated accounting, mediation accounting, and multi-account
US8589541B2 (en) 2009-01-28 2013-11-19 Headwater Partners I Llc Device-assisted services for protecting network capacity
US10070305B2 (en) 2009-01-28 2018-09-04 Headwater Research Llc Device assisted services install
US10064033B2 (en) 2009-01-28 2018-08-28 Headwater Research Llc Device group partitions and settlement platform
US8626115B2 (en) 2009-01-28 2014-01-07 Headwater Partners I Llc Wireless network service interfaces
US8630611B2 (en) 2009-01-28 2014-01-14 Headwater Partners I Llc Automated device provisioning and activation
US8630630B2 (en) 2009-01-28 2014-01-14 Headwater Partners I Llc Enhanced roaming services and converged carrier networks with device assisted services and a proxy
US8631102B2 (en) 2009-01-28 2014-01-14 Headwater Partners I Llc Automated device provisioning and activation
US8630192B2 (en) 2009-01-28 2014-01-14 Headwater Partners I Llc Verifiable and accurate service usage monitoring for intermediate networking devices
US8630617B2 (en) 2009-01-28 2014-01-14 Headwater Partners I Llc Device group partitions and settlement platform
US8634821B2 (en) 2009-01-28 2014-01-21 Headwater Partners I Llc Device assisted services install
US8634805B2 (en) 2009-01-28 2014-01-21 Headwater Partners I Llc Device assisted CDR creation aggregation, mediation and billing
US8635335B2 (en) 2009-01-28 2014-01-21 Headwater Partners I Llc System and method for wireless network offloading
US8635678B2 (en) 2009-01-28 2014-01-21 Headwater Partners I Llc Automated device provisioning and activation
US8639811B2 (en) 2009-01-28 2014-01-28 Headwater Partners I Llc Automated device provisioning and activation
US8640198B2 (en) 2009-01-28 2014-01-28 Headwater Partners I Llc Automated device provisioning and activation
US8667571B2 (en) 2009-01-28 2014-03-04 Headwater Partners I Llc Automated device provisioning and activation
US8666364B2 (en) 2009-01-28 2014-03-04 Headwater Partners I Llc Verifiable device assisted service usage billing with integrated accounting, mediation accounting, and multi-account
US8675507B2 (en) 2009-01-28 2014-03-18 Headwater Partners I Llc Service profile management with user preference, adaptive policy, network neutrality and user privacy for intermediate networking devices
US8688099B2 (en) 2009-01-28 2014-04-01 Headwater Partners I Llc Open development system for access service providers
US8695073B2 (en) 2009-01-28 2014-04-08 Headwater Partners I Llc Automated device provisioning and activation
US8713630B2 (en) 2009-01-28 2014-04-29 Headwater Partners I Llc Verifiable service policy implementation for intermediate networking devices
US20130229951A1 (en) * 2009-01-28 2013-09-05 Headwater Partners I Llc Automated device provisioning and activation
US8724554B2 (en) 2009-01-28 2014-05-13 Headwater Partners I Llc Open transaction central billing system
US8737957B2 (en) 2009-01-28 2014-05-27 Headwater Partners I Llc Automated device provisioning and activation
US8745220B2 (en) 2009-01-28 2014-06-03 Headwater Partners I Llc System and method for providing user notifications
US8745191B2 (en) 2009-01-28 2014-06-03 Headwater Partners I Llc System and method for providing user notifications
US10064055B2 (en) 2009-01-28 2018-08-28 Headwater Research Llc Security, fraud detection, and fraud mitigation in device-assisted services systems
US8793758B2 (en) 2009-01-28 2014-07-29 Headwater Partners I Llc Security, fraud detection, and fraud mitigation in device-assisted services systems
US8799451B2 (en) 2009-01-28 2014-08-05 Headwater Partners I Llc Verifiable service policy implementation for intermediate networking devices
US8797908B2 (en) 2009-01-28 2014-08-05 Headwater Partners I Llc Automated device provisioning and activation
US10057775B2 (en) 2009-01-28 2018-08-21 Headwater Research Llc Virtualized policy and charging system
US8839387B2 (en) 2009-01-28 2014-09-16 Headwater Partners I Llc Roaming services network and overlay networks
US8839388B2 (en) 2009-01-28 2014-09-16 Headwater Partners I Llc Automated device provisioning and activation
US8868455B2 (en) 2009-01-28 2014-10-21 Headwater Partners I Llc Adaptive ambient services
US8886162B2 (en) 2009-01-28 2014-11-11 Headwater Partners I Llc Restricting end-user device communications over a wireless access network associated with a cost
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
US8898293B2 (en) 2009-01-28 2014-11-25 Headwater Partners I Llc Service offer set publishing to device agent with on-device service selection
US8897744B2 (en) 2009-01-28 2014-11-25 Headwater Partners I Llc Device assisted ambient services
US8898079B2 (en) 2009-01-28 2014-11-25 Headwater Partners I Llc Network based ambient services
US8897743B2 (en) 2009-01-28 2014-11-25 Headwater Partners I Llc Verifiable device assisted service usage billing with integrated accounting, mediation accounting, and multi-account
US8903452B2 (en) 2009-01-28 2014-12-02 Headwater Partners I Llc Device assisted ambient services
US10057141B2 (en) 2009-01-28 2018-08-21 Headwater Research Llc Proxy system and method for adaptive ambient services
US8924543B2 (en) 2009-01-28 2014-12-30 Headwater Partners I Llc Service design center for device assisted services
US8924549B2 (en) 2009-01-28 2014-12-30 Headwater Partners I Llc Network based ambient services
US10080250B2 (en) 2009-01-28 2018-09-18 Headwater Research Llc Enterprise access control and accounting allocation for access networks
US8948025B2 (en) 2009-01-28 2015-02-03 Headwater Partners I Llc Remotely configurable device agent for packet routing
US9014026B2 (en) 2009-01-28 2015-04-21 Headwater Partners I Llc Network based service profile management with user preference, adaptive policy, network neutrality, and user privacy
US9026079B2 (en) 2009-01-28 2015-05-05 Headwater Partners I Llc Wireless network service interfaces
US9037127B2 (en) 2009-01-28 2015-05-19 Headwater Partners I Llc Device agent for remote user configuration of wireless network access
US9094311B2 (en) 2009-01-28 2015-07-28 Headwater Partners I, Llc Techniques for attribution of mobile device data traffic to initiating end-user application
US10028144B2 (en) 2009-01-28 2018-07-17 Headwater Research Llc Security techniques for device assisted services
US9137739B2 (en) 2009-01-28 2015-09-15 Headwater Partners I Llc Network based service policy implementation with network neutrality and user privacy
US9137701B2 (en) 2009-01-28 2015-09-15 Headwater Partners I Llc Wireless end-user device with differentiated network access for background and foreground device applications
US9143976B2 (en) 2009-01-28 2015-09-22 Headwater Partners I Llc Wireless end-user device with differentiated network access and access status for background and foreground device applications
US9980146B2 (en) 2009-01-28 2018-05-22 Headwater Research Llc Communications device with secure data path processing agents
US9154428B2 (en) 2009-01-28 2015-10-06 Headwater Partners I Llc Wireless end-user device with differentiated network access selectively applied to different applications
US9173104B2 (en) 2009-01-28 2015-10-27 Headwater Partners I Llc Mobile device with device agents to detect a disallowed access to a requested mobile data service and guide a multi-carrier selection and activation sequence
US9179359B2 (en) 2009-01-28 2015-11-03 Headwater Partners I Llc Wireless end-user device with differentiated network access status for different device applications
US9179315B2 (en) 2009-01-28 2015-11-03 Headwater Partners I Llc Mobile device with data service monitoring, categorization, and display for different applications and networks
US9179308B2 (en) 2009-01-28 2015-11-03 Headwater Partners I Llc Network tools for analysis, design, testing, and production of services
US9179316B2 (en) 2009-01-28 2015-11-03 Headwater Partners I Llc Mobile device with user controls and policy agent to control application access to device location data
US9866642B2 (en) 2009-01-28 2018-01-09 Headwater Research Llc Wireless end-user device with wireless modem power state control policy for background applications
US9198074B2 (en) 2009-01-28 2015-11-24 Headwater Partners I Llc Wireless end-user device with differential traffic control policy list and applying foreground classification to roaming wireless data service
US9198075B2 (en) 2009-01-28 2015-11-24 Headwater Partners I Llc Wireless end-user device with differential traffic control policy list applicable to one of several wireless modems
US9198042B2 (en) 2009-01-28 2015-11-24 Headwater Partners I Llc Security techniques for device assisted services
US9198117B2 (en) 2009-01-28 2015-11-24 Headwater Partners I Llc Network system with common secure wireless message service serving multiple applications on multiple wireless devices
US9204282B2 (en) 2009-01-28 2015-12-01 Headwater Partners I Llc Enhanced roaming services and converged carrier networks with device assisted services and a proxy
US9204374B2 (en) 2009-01-28 2015-12-01 Headwater Partners I Llc Multicarrier over-the-air cellular network activation server
US9215159B2 (en) 2009-01-28 2015-12-15 Headwater Partners I Llc Data usage monitoring for media data services used by applications
US9215613B2 (en) 2009-01-28 2015-12-15 Headwater Partners I Llc Wireless end-user device with differential traffic control policy list having limited user control
US9220027B1 (en) 2009-01-28 2015-12-22 Headwater Partners I Llc Wireless end-user device with policy-based controls for WWAN network usage and modem state changes requested by specific applications
US9225797B2 (en) 2009-01-28 2015-12-29 Headwater Partners I Llc System for providing an adaptive wireless ambient service to a mobile device
US9232403B2 (en) 2009-01-28 2016-01-05 Headwater Partners I Llc Mobile device with common secure wireless message service serving multiple applications
US9973930B2 (en) 2009-01-28 2018-05-15 Headwater Research Llc End user device that secures an association of application to service policy with an application certificate check
US9247450B2 (en) 2009-01-28 2016-01-26 Headwater Partners I Llc Quality of service for device assisted services
US9253663B2 (en) 2009-01-28 2016-02-02 Headwater Partners I Llc Controlling mobile device communications on a roaming network based on device state
US9258735B2 (en) 2009-01-28 2016-02-09 Headwater Partners I Llc Device-assisted services for protecting network capacity
US9271184B2 (en) 2009-01-28 2016-02-23 Headwater Partners I Llc Wireless end-user device with per-application data limit and traffic control policy list limiting background application traffic
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
US9277433B2 (en) 2009-01-28 2016-03-01 Headwater Partners I Llc Wireless end-user device with policy-based aggregation of network activity requested by applications
US9277445B2 (en) 2009-01-28 2016-03-01 Headwater Partners I Llc Wireless end-user device with differential traffic control policy list and applying foreground classification to wireless data service
US9319913B2 (en) 2009-01-28 2016-04-19 Headwater Partners I Llc Wireless end-user device with secure network-provided differential traffic control policy list
US9351193B2 (en) 2009-01-28 2016-05-24 Headwater Partners I Llc Intermediate networking devices
US9386165B2 (en) 2009-01-28 2016-07-05 Headwater Partners I Llc System and method for providing user notifications
US9386121B2 (en) 2009-01-28 2016-07-05 Headwater Partners I Llc Method for providing an adaptive wireless ambient service to a mobile device
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
US9491199B2 (en) 2009-01-28 2016-11-08 Headwater Partners I Llc Security, fraud detection, and fraud mitigation in device-assisted services systems
US9491564B1 (en) 2009-01-28 2016-11-08 Headwater Partners I Llc Mobile device and method with secure network messaging for authorized components
US9521578B2 (en) 2009-01-28 2016-12-13 Headwater Partners I Llc Wireless end-user device with application program interface to allow applications to access application-specific aspects of a wireless network access policy
US9532261B2 (en) 2009-01-28 2016-12-27 Headwater Partners I Llc System and method for wireless network offloading
US9532161B2 (en) 2009-01-28 2016-12-27 Headwater Partners I Llc Wireless device with application data flow tagging and network stack-implemented network access policy
US9544397B2 (en) 2009-01-28 2017-01-10 Headwater Partners I Llc Proxy server for providing an adaptive wireless ambient service to a mobile device
US9557889B2 (en) 2009-01-28 2017-01-31 Headwater Partners I Llc Service plan design, user interfaces, application programming interfaces, and device management
US9565543B2 (en) 2009-01-28 2017-02-07 Headwater Partners I Llc Device group partitions and settlement platform
US9565707B2 (en) 2009-01-28 2017-02-07 Headwater Partners I Llc Wireless end-user device with wireless data attribution to multiple personas
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
US9578182B2 (en) 2009-01-28 2017-02-21 Headwater Partners I Llc Mobile device and service management
US9591474B2 (en) 2009-01-28 2017-03-07 Headwater Partners I Llc Adapting network policies based on device service processor configuration
US9609459B2 (en) 2009-01-28 2017-03-28 Headwater Research Llc Network tools for analysis, design, testing, and production of services
US9609544B2 (en) 2009-01-28 2017-03-28 Headwater Research Llc Device-assisted services for protecting network capacity
US9615192B2 (en) 2009-01-28 2017-04-04 Headwater Research Llc Message link server with plural message delivery triggers
US9641957B2 (en) 2009-01-28 2017-05-02 Headwater Research Llc Automated device provisioning and activation
US9647918B2 (en) 2009-01-28 2017-05-09 Headwater Research Llc Mobile device and method attributing media services network usage to requesting application
US9674731B2 (en) 2009-01-28 2017-06-06 Headwater Research Llc Wireless device applying different background data traffic policies to different device applications
US9705771B2 (en) 2009-01-28 2017-07-11 Headwater Partners I Llc Attribution of mobile device data traffic to end-user application based on socket flows
US9706061B2 (en) 2009-01-28 2017-07-11 Headwater Partners I Llc Service design center for device assisted services
US9749898B2 (en) 2009-01-28 2017-08-29 Headwater Research Llc Wireless end-user device with differential traffic control policy list applicable to one of several wireless modems
US9749899B2 (en) 2009-01-28 2017-08-29 Headwater Research Llc Wireless end-user device with network traffic API to indicate unavailability of roaming wireless connection to background applications
US9755842B2 (en) 2009-01-28 2017-09-05 Headwater Research Llc Managing service user discovery and service launch object placement on a device
US9769207B2 (en) 2009-01-28 2017-09-19 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
US9819808B2 (en) 2009-01-28 2017-11-14 Headwater Research Llc Hierarchical service policies for creating service usage data records for a wireless end-user device
US9858559B2 (en) 2009-01-28 2018-01-02 Headwater Research Llc Network service plan design
US9198076B2 (en) 2009-01-28 2015-11-24 Headwater Partners I Llc Wireless end-user device with power-control-state-based wireless network access policy for background applications
US9942796B2 (en) 2009-01-28 2018-04-10 Headwater Research Llc Quality of service for device assisted services
US9572019B2 (en) 2009-01-28 2017-02-14 Headwater Partners LLC Service selection set published to device agent with on-device service selection
US20100193699A1 (en) * 2009-02-05 2010-08-05 Fujifilm Corporation Radiography network system and radiographic image capturing system control method
US8832777B2 (en) 2009-03-02 2014-09-09 Headwater Partners I Llc Adapting network policies based on device service processor configuration
US8606911B2 (en) 2009-03-02 2013-12-10 Headwater Partners I Llc Flow tagging for service policy implementation
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods
US9111272B2 (en) * 2010-03-25 2015-08-18 Bizmodeline Co., Ltd. Mobile payments
US20110238569A1 (en) * 2010-03-25 2011-09-29 Bizmodeline Co., Ltd. Mobile payments
US9154826B2 (en) 2011-04-06 2015-10-06 Headwater Partners Ii Llc Distributing content and service launch objects to mobile devices
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
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
US9785936B1 (en) 2014-09-09 2017-10-10 Walletron, Inc. Method for administering billing, servicing messaging and payment in digital wallets
US10089609B2 (en) * 2015-12-14 2018-10-02 Visa International Service Association System and methods for online/offline synchronization

Also Published As

Publication number Publication date Type
US20080313044A1 (en) 2008-12-18 application
GB2450193A (en) 2008-12-17 application
EP2168393A2 (en) 2010-03-31 application
US7933799B2 (en) 2011-04-26 grant
US8195547B2 (en) 2012-06-05 grant
US20100174595A1 (en) 2010-07-08 application
WO2008152118A2 (en) 2008-12-18 application
GB0803468D0 (en) 2008-04-02 grant
WO2008152118A3 (en) 2009-03-05 application
US20110173053A1 (en) 2011-07-14 application

Similar Documents

Publication Publication Date Title
US7711620B2 (en) Gift card services for mobile devices
US20060212355A1 (en) Social information and promotional offer management and distribution systems and methods
US20110055005A1 (en) System and Method of Delivering Ads
US20030216967A1 (en) Electronic promotions systems
US20020091569A1 (en) Electronic coupon system
US20100222041A1 (en) Systems, Methods, and Apparatus for Providing Promotion Information to a Mobile Device
US20100114661A1 (en) Implementing a Promotional Campaign Across a Plurality of Rewards Programs
US20080172306A1 (en) Systems and Methods for Electronic Gifting
US20020099607A1 (en) Online promotional scheme
US20100312645A1 (en) Systems and Methods to Facilitate Purchases on Mobile Devices
US20100122274A1 (en) Systems and methods for distributing and redeeming credits on a broadcast system
US20120005026A1 (en) Methods, systems and computer readable media for utilizing a consumer opt-in management system
US20050075932A1 (en) Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means
US20100114683A1 (en) Method for generating an electronic coupon, coupon holding device, system for generating an electronic coupon, electronic coupon and computer program product
US20140032297A1 (en) Mobile device mediated handling of reward points redeemable towards local transportation
US20080300984A1 (en) Methods and apparatuses related to the offer of purchase incentives
US20070094080A1 (en) Smart shopping method and system
US20070266130A1 (en) A System and Method for Presenting Offers for Purchase to a Mobile Wireless Device
US20080221986A1 (en) Consumer-choice, incentive based, alternative payment method and advertising system
US20070140176A1 (en) Method for the transmission of additional information in a communication system exchange device, communication system and user station
US20090192928A1 (en) Integration of gift card services for mobile devices and social networking services
US20120010938A1 (en) Geographically defined electronic coupon or voucher dissemination
US20060217135A1 (en) Multimedia products and services marketing and sales method and methods of conducting business
US20090138302A1 (en) Method and system for collecting, receiving, and transferring transaction information for use by a bonus or loyalty program and electronic vouchers
US20100299212A1 (en) System and method for a commerce window application for computing devices