WO2013166174A1 - Services financiers gratuits ou ayant un prix fixé de manière non organisée ou articles octroyés en échange d'une participation à la publicité à option d'adhésion - Google Patents

Services financiers gratuits ou ayant un prix fixé de manière non organisée ou articles octroyés en échange d'une participation à la publicité à option d'adhésion Download PDF

Info

Publication number
WO2013166174A1
WO2013166174A1 PCT/US2013/039100 US2013039100W WO2013166174A1 WO 2013166174 A1 WO2013166174 A1 WO 2013166174A1 US 2013039100 W US2013039100 W US 2013039100W WO 2013166174 A1 WO2013166174 A1 WO 2013166174A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
mobile wallet
electronic payment
payment system
monetary
Prior art date
Application number
PCT/US2013/039100
Other languages
English (en)
Inventor
Michael A. Liberty
Original Assignee
Mozido, Llc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US13/528,720 external-priority patent/US20120330737A1/en
Priority claimed from US13/874,192 external-priority patent/US20130246141A1/en
Application filed by Mozido, Llc filed Critical Mozido, Llc
Publication of WO2013166174A1 publication Critical patent/WO2013166174A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons

Definitions

  • Mobile phones and other digital devices have become increasingly popular in recent years. Many mobile device users use their devices to perform countless different daily tasks. For instance, mobile devices allow users to check email, send and receive instant messages, check calendar items, take notes, set up reminders, browse the internet, play games or perform any number of different actions using specialized applications or "apps". These applications allow mobile devices to communicate with other computer systems and perform a wide variety of network- connected tasks previously not possible with a mobile device.
  • Embodiments described herein are directed to providing disruptively priced or free financial services or items in exchange for participation in opt-in advertising.
  • a user may opt-in to receive some form of advertising on his or her phone.
  • the advertising may appear in a mobile wallet application used to pay for goods or services.
  • the advertising may be related to products the user has previously purchased using the mobile wallet application.
  • the user has an account with a mobile payment system that provides the mobile wallet application.
  • the mobile payment system can provide the user with a variety of functionality including purchasing items along with one or more of depositing funds, withdrawing funds, transferring funds, etc. Accordingly, the user can use a digital device (e.g., a computer or mobile phone) to interact with the electronic payment system to pay for goods and/or services.
  • a digital device e.g., a computer or mobile phone
  • the user opts in to receive advertisements, coupons, vouchers, promotions, Buy One Get One ("BOGO") offers or other benefits from the electronic payment system.
  • the electronic payment system may be permitted to store (e.g., by capturing purchase orders), track, and analyze items that the user purchases through their account with the electronic payment system.
  • the electronic payment system stores and maintains a list of a user's purchased items in a data warehouse.
  • the electronic payment system analyzes the user's purchasing habits to identify advertisements and/or promotions that may be of interest to the user.
  • the promotions (such as coupons) may then be sent to the user's mobile wallet application and applied automatically when the user purchases that item using the mobile wallet.
  • an electronic payment system may be provided which provides monetary rewards in exchange for participation in opt-in advertising.
  • the electronic payment system may be configured to receive an indication that a user is initiating participation in opt-in advertising.
  • the advertising is sent to the user from the electronic payment system in exchange for a monetary reward.
  • the user will have a mobile wallet account at the electronic payment system.
  • the electronic payment system then sends advertisements to a mobile wallet application running on a digital device of the user, determines an appropriate monetary reward based on the number and/or type of advertisements sent to the user's mobile wallet application, and provides the determined monetary reward to the user via the mobile wallet application on the user's digital device.
  • an electronic payment system may be provided which allows users to redeem monetary rewards received for participation in opt-in advertising.
  • the electronic payment system receives an indication from a user's mobile wallet application that a user is attempting to pay for a good or service using monetary rewards received in exchange for participation in opt-in advertising.
  • the user will have a mobile wallet account at the electronic payment system.
  • the electronic payment system validates the user's mobile wallet account to ensure that the user's mobile wallet account has sufficient funds, including the monetary rewards, to pay for the specified good or service, and applies of the monetary rewards to the indicated good or service, allowing the user to purchase the indicated good or service using the received monetary rewards.
  • the electronic payment system may receive a subsequent indication from the user's mobile wallet application indicating that a coupon is to be applied for the purchase of the good or service. The electronic payment system may then determine whether the coupon applies to the indicated good or service and, if so, may apply the coupon to the indicated good or service, so that the user purchases the indicated good or service using the received monetary rewards at a price reduced by the amount of the coupon.
  • Figure 2 illustrates an alternate example embodiment of a monetary transaction system.
  • Figures 3A and 3B illustrate example data flows for performing subscriber-to-subscriber and subscriber-to-non-subscriber eMoney transfers via a mobile wallet, respectively.
  • Figure 4 illustrates an example data flow for making a retail purchase using a mobile wallet.
  • Figure 5 illustrates a monetary transaction system architecture in which free or reduced price items may be provided in exchange for opt-in advertising.
  • Figure 6 illustrates an example data flow for providing free or reduced price items in exchange for participation in opt-in advertising.
  • Figure 7 illustrates an example screen shot of a mobile wallet application with opt-in advertisements.
  • Figure 8 illustrates an example data flow for providing monetary rewards in exchange for participation in opt-in advertising.
  • Figure 9 illustrates an example data flow for redeeming a monetary reward received for participation in opt-in advertising.
  • Embodiments described herein are directed to providing disruptively priced or free financial services or items in exchange for participation in opt-in advertising.
  • a user may opt-in to receive some form of advertising on his or her phone.
  • the advertising may appear in a mobile wallet application used to pay for goods or services.
  • the advertising may be related to products the user has previously purchased using the mobile wallet application.
  • the user has an account with a mobile payment system that provides the mobile wallet application.
  • the mobile payment system can provide the user with a variety of functionality including purchasing items along with one or more of depositing funds, withdrawing funds, transferring funds, etc. Accordingly, the user can use a digital device (e.g., a computer or mobile phone) to interact with the electronic payment system to pay for goods and/or services.
  • a digital device e.g., a computer or mobile phone
  • the user opts in to receive advertisements, coupons, vouchers, promotions, Buy One Get One ("BOGO") offers or other benefits from the electronic payment system.
  • the electronic payment system may be permitted to store (e.g., by capturing purchase orders), track, and analyze items that the user purchases through their account with the electronic payment system.
  • the electronic payment system stores and maintains a list of a user's purchased items in a data warehouse.
  • the electronic payment system analyzes the user's purchasing habits to identify advertisements and/or promotions that may be of interest to the user.
  • the promotionsz (such as coupons) may then be sent to the user's mobile wallet application and applied automatically when the user purchases that item using the mobile wallet.
  • an electronic payment system may be provided which provides monetary rewards in exchange for participation in opt-in advertising.
  • the electronic payment system may be configured to receive an indication that a user is initiating participation in opt-in advertising.
  • the advertising is sent to the user from the electronic payment system in exchange for a monetary reward.
  • the user will have a mobile wallet account at the electronic payment system.
  • the electronic payment system then sends advertisements to a mobile wallet application running on a digital device of the user, determines an appropriate monetary reward based on the number and/or type of advertisements sent to the user's mobile wallet application, and provides the determined monetary reward to the user via the mobile wallet application on the user's digital device.
  • an electronic payment system may be provided which allows users to redeem monetary rewards received for participation in opt-in advertising.
  • the electronic payment system receives an indication from a user's mobile wallet application that a user is attempting to pay for a good or service using monetary rewards received in exchange for participation in opt-in advertising.
  • the user will have a mobile wallet account at the electronic payment system.
  • the electronic payment system validates the user's mobile wallet account to ensure that the user's mobile wallet account has sufficient funds, including the monetary rewards, to pay for the specified good or service, and applies of the monetary rewards to the indicated good or service, allowing the user to purchase the indicated good or service using the received monetary rewards.
  • the electronic payment system may receive a subsequent indication from the user's mobile wallet application indicating that a coupon is to be applied for the purchase of the good or service. The electronic payment system may then determine whether the coupon applies to the indicated good or service and, if so, may apply the coupon to the indicated good or service, so that the user purchases the indicated good or service using the received monetary rewards at a price reduced by the amount of the coupon.
  • Embodiments described herein may comprise or utilize a special purpose or general-purpose computer including computer hardware, such as, for example, one or more processors and system memory, as discussed in greater detail below.
  • Embodiments described herein also include physical and other computer-readable media for carrying or storing computer-executable instructions and/or data structures.
  • Such computer-readable media can be any available media that can be accessed by a general purpose or special purpose computer system.
  • Computer-readable media that store computer-executable instructions in the form of data are computer storage media.
  • Computer-readable media that carry computer-executable instructions are transmission media.
  • embodiments described herein can comprise at least two distinctly different kinds of computer- readable media: computer storage media and transmission media.
  • Computer storage media includes RAM, ROM, EEPROM, CD-ROM, solid state drives (SSDs) that are based on RAM, Flash memory, phase-change memory (PCM), or other types of memory, or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store desired program code means in the form of computer-executable instructions, data or data structures and which can be accessed by a general purpose or special purpose computer.
  • a "network" is defined as one or more data links and/or data switches that enable the transport of electronic data between computer systems and/or modules and/or other electronic devices.
  • Transmission media can include a network which can be used to carry data or desired program code means in the form of computer-executable instructions or in the form of data structures and which can be accessed by a general purpose or special purpose computer. Combinations of the above should also be included within the scope of computer-readable media.
  • program code means in the form of computer-executable instructions or data structures can be transferred automatically from transmission media to computer storage media (or vice versa).
  • computer-executable instructions or data structures received over a network or data link can be buffered in RAM within a network interface module (e.g., a network interface card or "NIC"), and then eventually transferred to computer system RAM and/or to less volatile computer storage media at a computer system.
  • a network interface module e.g., a network interface card or "NIC”
  • NIC network interface card
  • Computer-executable (or computer-interpretable) instructions comprise, for example, instructions which cause a general purpose computer, special purpose computer, or special purpose processing device to perform a certain function or group of functions.
  • the computer executable instructions may be, for example, binaries, intermediate format instructions such as assembly language, or even source code.
  • cloud computing is defined as a model for enabling on-demand network access to a shared pool of configurable computing resources (e.g., networks, servers, storage, applications, and services).
  • configurable computing resources e.g., networks, servers, storage, applications, and services.
  • the definition of “cloud computing” is not limited to any of the other numerous advantages that can be obtained from such a model when properly deployed.
  • cloud computing is currently employed in the marketplace so as to offer ubiquitous and convenient on-demand access to the shared pool of configurable computing resources.
  • the shared pool of configurable computing resources can be rapidly provisioned via virtualization and released with low management effort or service provider interaction, and then scaled accordingly.
  • a cloud computing model can be composed of various characteristics such as on-demand self-service, broad network access, resource pooling, rapid elasticity, measured service, and so forth.
  • a cloud computing model may also come in the form of various service models such as, for example, Software as a Service (“SaaS”), Platform as a Service (“PaaS”), and Infrastructure as a Service (“IaaS”).
  • SaaS Software as a Service
  • PaaS Platform as a Service
  • IaaS Infrastructure as a Service
  • the cloud computing model may also be deployed using different deployment models such as private cloud, community cloud, public cloud, hybrid cloud, and so forth.
  • a "cloud computing environment” is an environment in which cloud computing is employed.
  • the functionally described herein can be performed, at least in part, by one or more hardware logic components.
  • illustrative types of hardware logic components include Field-programmable Gate Arrays (FPGAs), Program-specific Integrated Circuits (ASICs), Program-specific Standard Products (ASSPs), System-on-a-chip systems (SOCs), Complex Programmable Logic Devices (CPLDs), and other types of programmable hardware.
  • FPGAs Field-programmable Gate Arrays
  • ASICs Program-specific Integrated Circuits
  • ASSPs Program-specific Standard Products
  • SOCs System-on-a-chip systems
  • CPLDs Complex Programmable Logic Devices
  • agent is used to refer to an individual with mFS transaction system tools and training to support specific mFS functions. These mFS functions include subscriber registration and activation, and the deposit and withdrawal of funds from the mFS transaction system. Agents are representatives of the mFS transaction system or "program”. Agents can be employees or contractors of the program provider, or other companies and organizations that partner with the program provider to provide these services themselves. Agents may be found in every facet of a typical economy, and may include large retailers, mobile network operators (MNO) airtime sales agents, gas stations, kiosks, or other places of business.
  • MNO mobile network operators
  • a mobile wallet application is a mobile wallet application installed on a SIM card.
  • a USSD application is an application that implements USSD for various functionality including prepaid callback service, location-based content services, menu-based information services and other mobile wallet platform services.
  • a web application is one that implements or uses the internet to provide mobile wallet platform functionality.
  • a mobile web application is similar to a web application, but is tailored for mobile devices.
  • a WAP application is one that uses the wireless application protocol to communicate with the mobile wallet platform to provide the platform's functionality.
  • a J2ME application is an application developed in Java and is designed to provide mobile wallet functionality on a variety of different hardware.
  • a tablet application is an application specifically designed for a touchscreen-based tablet that provides mobile wallet platform functionality for tablet devices. , and as part of configuring the phone on the network. Any of these applications (or any combination thereof) may be provided on the user's mobile device. This functionality can also be made available on a retail point of sale (POS) system or web site.
  • POS point of sale
  • agent administrator refers to an individual with mFS program tools and training to administrate the allocation of funds to agent branches (e.g. retail locations). As agents perform mFS transactions with subscribers, such as depositing and withdrawing money, the agents are adding and removing money from their own accounts. Any of the applications referred to above may be configured to provide tools used by the agent administrator to view the agent company balance, view the agent branch balances, and transfer funds into and out of agent branch mobile wallets. This functionality can also be made available on a website for easier access.
  • the mFS platform application may utilize triple data encryption standard (3DES) encryption (or some other type of encryption), encrypted message signing, and password security on some or all of its communications with the mFS transaction system in order to ensure that the transactions are properly secured and authenticated.
  • 3DES triple data encryption standard
  • agent branch refers to any location where an agent provides support for subscriber services of the mFS platform. Funds are allocated by the agent administrator from the agent company's main account to each agent branch to fund the subscriber mFS functions such as depositing or withdrawing cash, in-store purchases, bill payments, prepaid airtime top-ups and money transfers. In some cases, multiple agents may work in a single branch. However, at least in some cases, monetary funds are allocated to from the agent company's main account on a per branch basis.
  • agent branch account balance refers to the amount of money residing in a particular agent branch account at a given time. Funds can be deposited into the branch account by the agent administrator, or the funds can come from participating in subscriber mFS transactions such as depositing or withdrawing cash from the subscriber's mobile wallet accounts, or making retail purchases with the mobile wallet.
  • pre-paid debit cards in countries with more developed economies, it may be beneficial to use program-issued pre-paid debit cards, pre-paid access accounts, stored value accounts or gift cards to conduct business along with the added convenience of card processing networks such as Cirrus, STAR, or Visa for POS and automated teller machine (ATM) functionality.
  • Agents particularly those in retail outlets and kiosks, can still support subscribers with deposits, withdrawals, and other transfers, but in this case bank external card processors manage the mobile wallet and branch account balances and provide the real-time transfer of funds.
  • agent branch ledger refers to a written (or electronic) ledger maintained by the mFS platform. Agent branch transactions are performed on the agent's and subscriber's mobile phones where an electronic record of the transaction is generated and stored on the mFS platform. These electronic transactions are then reconciled with agent branch ledgers to ensure the security and integrity of the transaction. Agent branch ledgers are printed or electronic transaction logs that are distributed to the agent branch locations in hard copy form to serve as a backup record to the electronic transactions.
  • agent company refers to a business that registers to participate in the mFS program as a partner of the mFS program provider or owner.
  • the agent company has one or more agent branches which conduct mFS business with mFS program subscribers.
  • the agent company may be referred to as a distributor or retailer.
  • agent company account balance refers to the sum of the funds deposited at a "partner bank” (defined below) by the agent company to fund the agent company's daily transactions.
  • the funds in the agent company account are then distributed to agent branches by the agent company's agent administrator to conduct everyday business such as accepting cash deposits and cash withdrawals from mFS subscribers. This balance is sometimes referred to as the "agent company float”.
  • An "agent manager” is a supervisor of company agents for a given company.
  • the agent manager has the training and tools to create, delete or modify agent accounts for a company, as well as monitor the transactions performed by agents.
  • the agent manager may have a special application or an increased level of rights to access applications features not available to other users.
  • the special application is a program installed on the agent manager's terminal. This application provides the agent manager the ability to securely perform agent manager functions such as registering and activating new agent accounts.
  • the mFS agent manager application may be installed on any terminal or device. It communicates with the mFS platform using binary and/or text SMS messages.
  • a wireless service provider or MNO provides the GSM SMS network infrastructure on which the mFS platform operates.
  • value is transferred from one account to the next as payment for services rendered or goods purchased.
  • This value can be in the form of real currency or the electronic representation referred to herein as eMoney.
  • eMoney is used in mFS implementations where the real-time processing of financial transactions including card processing is not practical.
  • the mFS platform utilizes an internal transaction processor for managing the real-time balance of mobile wallet and agent accounts as value (eMoney) is transferred from one mobile wallet to another in payment for services.
  • mFS program master account refers to a bank account maintained by the mFS program partner bank to provide funds and float for the operation of the mFS platform.
  • the master account can include sub-accounts for each of the agent branches and subscriber mobile wallets, giving the bank visibility into all transactions on a per-user basis.
  • the mFS platform can also manage the balance of sub-accounts and interact with the bank's master account when funds need to be deposited or withdrawn from the account.
  • MNO mobile network operator
  • MNO refers to a provider of mobile phone service including basic voice, SMS, unstructured supplementary service data (USSD) and data service, and may also be referred to as a "wireless service provider".
  • partner bank refers to the primary bank participating in the mFS program.
  • the partner bank is responsible for holding the mFS program master accounts that hold the funds for all mFS services and transactions.
  • PIN refers to a numeric password that may be required to perform a transaction via the mobile wallet application.
  • FIG. 1 illustrates an example system architecture for a mobile wallet platform.
  • Integration tier 101 is configured to manage mobile wallet sessions and maintain integrity of financial transactions.
  • Integration tier 101 can also include a communication (e.g., Web services) API and/or other communication mechanisms to accept messages from channels 111.
  • Other mechanisms include, but are not limited to: International Standards Organization ("ISO") 8583 for Point of Sale (“POS”) and Automated Teller Machines (“ATM”) devices and Advanced Message Queuing Protocol (“AMQP”) for queue based interfaces.
  • ISO International Standards Organization
  • POS Point of Sale
  • ATM Automated Teller Machines
  • AMQP Advanced Message Queuing Protocol
  • Each of channels 111 can be integrated to one or more mechanisms for sending messages to integration tier 101.
  • Notification services 102 is configured to send various notifications through different notification channels 112, such as, for example, Short Message Peer-to-Peer (“SSMP") for Short Messaging Service (“SMS”) and Simple Mail Transfer Protocol (“SMTP”) for emails.
  • Notification services 102 can be configured through a web services API.
  • Service connectors 103 are a set of connectors configure to connect to 3rd party systems 113. Each connector can be a separate module intended to integrate an external service to the system architecture.
  • Business process services 104 are configured to implement business workflows, including executing financial transactions, auditing financial transactions, invoking third-party services, handling errors, and logging platform objects.
  • Payment handler 105 is configured to wrap APIs of different payment processors, such as, for example, banking accounts, credit/debit cards or processor 121. Payment handler 105 exposes a common API to facilitate interactions with many different kinds of payment processors.
  • Transaction processor 121 is configured to manage financial accounts and transactions.
  • the transaction processor 121 can be used to hold, load, withdraw and deposit funds to mobile wallet accounts.
  • Transaction processor 121 can also be used as a common interface to a third party processor system. When used as a common interface, financial operations may be delegated to the external processor.
  • a Clearing House subsystem of transaction processor 121 can be used to exchange the financial information with a bank.
  • Components of a mobile wallet platform can be connected to one another over (or be part of) a system bus and/or a network.
  • Networks can include a Local Area Network ("LAN”), a Wide Area Network (“WAN”), and even the Internet.
  • LAN Local Area Network
  • WAN Wide Area Network
  • Accorindlgy, components of the mobile wallet platform can be "in the cloud”.
  • mobile wallet platform components as well as any other connected computer systems and their components, can create message related data and exchange message related data (e.g., Internet Protocol (“IP”) datagrams and other higher layer protocols that utilize IP datagrams, such as, Transmission Control Protocol (“TCP”), Hypertext Transfer Protocol (“HTTP”), Simple Mail Transfer Protocol (“SMTP”), etc.) over the system bus and/or network.
  • IP Internet Protocol
  • TCP Transmission Control Protocol
  • HTTP Hypertext Transfer Protocol
  • SMTP Simple Mail Transfer Protocol
  • the components depicted in Figure 1 can interoperate to provide a number of financial and other services including but not limited to enrolling a customer for a mobile wallet, adding a stored value account (either hosted by a mobile wallet platform or a third party), adding a bank or credit union account to a mobile wallet, adding a debit or credit card account to a mobile wallet, depositing funds in a mobile wallet, withdrawing funds from a mobile wallet, paying bills from a mobile wallet, topping up a prepaid mobile account through a mobile wallet, transferring funds through a mobile wallet (nationally or internationally), making in-store purchases using a mobile wallet, and various other tasks as described herein below.
  • a stored value account either hosted by a mobile wallet platform or a third party
  • adding a bank or credit union account to a mobile wallet
  • adding a debit or credit card account to a mobile wallet
  • depositing funds in a mobile wallet withdrawing funds from a mobile wallet
  • paying bills from a mobile wallet paying bills from a mobile wallet
  • FIG. 2 depicts a monetary transaction system 200 similar to that described in Figure 1.
  • the monetary transaction system 200 may provide a more simplified system structure in which each of the above services may be provided.
  • the system includes a subscriber 205.
  • the subscriber may have access to a bank account, or may be an unbanked subscriber.
  • the subscriber has a profile 211 with the monetary transaction system 210.
  • the profile includes the subscriber's know your customer (KYC) information, as well as any associated bank accounts, credit union accounts, bill pay accounts or other accounts.
  • KYC know your customer
  • the subscriber has (or has access to) a mobile device 206 such as a phone or tablet.
  • the mobile device runs the mobile wallet application (or mobile wallet application) 207.
  • the subscriber can indicate, using the mobile application 207 which transaction or other action he or she would like to perform.
  • the indicated transaction 208 is sent to the mobile wallet platform 210 to be carried out by the platform.
  • the transaction processor 216 (which may be similar to or the same as transaction processor 121 of Figure 1) performs the transaction(s) specified by the (unbanked) subscriber 205.
  • the transaction processor may implement various other components to perform the transaction including memory 217, (wireless) communication module 215, rules engine 210 and/or transaction database 225.
  • Performing the specified transactions may include communicating with the monetary transaction database 225 to determine whether the transaction is permissible based on data indicated in the unbanked subscriber's profile (for instance, whether the subscriber has enough eMoney in his or her stored value account, or has enough money in his or her bank account). Rules engine 220 may also be consulted to determine whether the subscriber has exceeded a specified number of allowed transactions. Then, if funds are available, and the transaction is otherwise permissible, the monetary transaction system can transfer money or eMoney 221 to or from an entity such as a user or agent (e.g. entity 222) to or from an establishment such as a retail store or agent company (e.g. entity 223).
  • entity such as a user or agent (e.g. entity 222)
  • an establishment such as a retail store or agent company (e.g. entity 223).
  • the monetary transaction system 210 application provides a web interface that allows subscribers to perform the same functions provided by the monetary transaction system application.
  • mobile wallet application 207 may provide a web interface that allows a user to enroll for a mobile wallet.
  • the web interface (or the mobile wallet application itself) receives a subscriber-initiated transaction over one of a plurality of channels (111 from Figure 1) connected to the monetary transaction system 210.
  • the web interface or mobile wallet application may prompt for and receive enrollment information (e.g. KYC information) for the (unbanked) subscriber 205 over at least one of the plurality of channels (e.g. web, point-of-sale (POS), interactive voice response (IVR, etc.).
  • the web interface or mobile wallet application may then send activation instructions over the same or a different channel to activate the (unbanked) subscriber 205 and create a subscriber account for the (unbanked) subscriber.
  • the mobile device 206 may be any type of plan-based phone or tablet, or prepaid phone or tablet. Many subscribers, such as unbanked subscribers, may primarily use prepaid phones.
  • the mobile wallet application 207 may be installed on both plan-based phones and prepaid phones.
  • the mobile wallet application may be installed on the device's SIM card, or on the device's main memory. Accordingly, the monetary transaction system 200 may be accessed and used via substantially any type of plan-based or prepaid mobile device.
  • the components depicted in Figure 1 can interoperate to provide a number of financial and other services including but not limited to enrolling a customer for a mobile wallet, adding a stored value account (either hosted by an electronic payment system or a third party), adding a bank/credit union account to a mobile wallet, adding a debit/credit card account to a mobile wallet, depositing funds in a mobile wallet, withdrawing funds from a mobile wallet, paying bills from a mobile wallet, topping up a prepaid mobile account through a mobile wallet, transferring funds through a mobile wallet, making in store purchases from a mobile wallet, or transferring money or eMoney from one business account to another business account (i.e.
  • FIG 3A depicts a subscriber-to-subscriber eMoney transfer.
  • the merchant and the distributor may be subscribers.
  • subscriber A (301) enters some type of identification information identifying subscriber B (e.g. subscriber B's phone number) and an amount of money he or she wishes to transfer.
  • the transaction processor 216 of the monetary transaction system 210 determines if there are sufficient funds to complete the transfer. If sufficient funds are available, the monetary transaction system 210 decrements subscriber A's account and credits subscriber B's account (302).
  • the monetary transaction system 210 puts a hold on subscriber A's account for the amount transferred. Subscriber B then has a specified number of days to pick up the cash before the hold expires and the amount is credited back to subscriber A's eMoney account by the monetary transaction system 210.
  • agent branch's manager or agent verifies the authorization code via an agent manager or agent mobile wallet application (that, in turn, accesses the mFS platform).
  • agent manager or agent mobile wallet application that, in turn, accesses the mFS platform.
  • agent branch's mFS account is credited with the transfer amount (307) and the user leaves with the cash in hand (308).
  • the mFS platform processes the transfer request, updates subscriber A's eMoney balance, logs the transaction, and sends transaction details to a platform-specified bank.
  • FIG 4 illustrates a mobile wallet subscriber making a retail purchase.
  • Mobile wallet subscribers can make retail purchases at agent branches directly from their mobile device.
  • Agent branches are retail stores or other entities that have registered with the mFS system and are able to accept mobile wallet payments. Accordingly, a subscriber can select the items they wish to purchase, and indicate (via the mobile wallet application) to the agent branch that they wish to pay for the items.
  • the mobile wallet application then communicates with the agent branch and the monetary transaction system to indicate the price of the transaction.
  • the monetary transaction system 210 then debits the subscriber's eMoney account (401) and credits the agent branch's eMoney account (402).
  • the agent branch receives confirmation that subscriber paid for the purchase.
  • the subscriber may also receive a summary of the retail purchase and may be asked to confirm the purchase by entering a PIN.
  • the monetary transaction system processes the purchase request, updates the agent branch and subscriber's eMoney balances, logs the transaction, and sends transaction details to a mFS platform- specified bank.
  • the monetary transaction system 210 is implemented to make a purchase from a mobile wallet.
  • the communications module 215 of the monetary transaction system 210 receives a communication from a subscriber over a communication channel 111.
  • the subscriber communication indicates that an unbanked subscriber 205 desires to purchase an item for a specified amount of funds using a specified payment method from the unbanked subscriber's mobile wallet.
  • the monetary transaction system 210 then returns a secure, perishable purchase code to the unbanked subscriber over at least one of the channels connected to the monetary transaction system and receives a subsequent agent branch communication over a channel indicating that the purchase code has been presented to an agent (branch).
  • the monetary transaction system 210 validates the status of the specified payment method, determines if the specified payment method can accommodate a purchase for the specified amount, performs a limit check and/or a velocity check on the selected payment method, debits the specified payment method by the specified amount of funds, returns a notification to the agent branch authorizing the purchase and sends a receipt to the unbanked subscriber over a communication channel.
  • the monetary transaction system 210 may thus be used in this manner to make a retail purchase using a mobile wallet.
  • Figure 5 depicts a physical environment and corresponding computer system architecture 500 for providing disruptively priced or free financial services or items in exchange for participation in opt-in advertising.
  • the environment 500 like the scenarios described in Figures 3A, 3B and 4, involves the use of a mobile wallet application 511.
  • the mobile wallet application 511 can be used to provide disruptively priced or free financial services or items in exchange for participation in opt-in advertising.
  • the mobile wallet application may be run on any type of digital device including a mobile phone, tablet, laptop or other digital device.
  • Embodiments include providing digital data (e.g., coupons or vouchers) for obtaining disruptively priced or free items (e.g., consumer goods or groceries) to such digital devices.
  • a user has an account with a mobile payment system.
  • the mobile payment system e.g. 210 of Figure 2 or 521 of Figure 5
  • the mobile payment system can provide the user 507 with a variety of functionality including purchasing items (see Figure 4), depositing funds, withdrawing funds, transferring funds (see Figures 3A and 3B), etc.
  • the user can use a digital device to interact with the electronic payment system 521 to pay for goods and/or services.
  • the financial benefits may include coupons, vouchers, promotions, Buy One Get One ("BOGO") offers or any other type of benefit (such as a reduced cost or free financial service or good) from the electronic payment system.
  • the benefit may be targeted to the user based on the user's age, location or other demographic information, or based on the user's past purchases.
  • the electronic payment system 521 is permitted to store (e.g., by capturing purchase orders), track, and analyze items that the user purchases through their account with the electronic payment system.
  • the electronic payment system stores and maintains lists of the users' purchased items in a data warehouse.
  • the electronic payment system may also store information about the user (anonymous or otherwise) including age, income level, an indication of whether kids are in the family, or other information that may be useful in targeting ads or benefits to the user.
  • the electronic payment system analyzes 534 the users purchasing habits to identify advertisements and/or promotions that may be of interest to the user.
  • the advertisements and/or promotions can be for items the user has purchased 503.
  • the advertisements and/or promotions can also be for items related to items the user has purchase. For example, if user has purchased a particular brand of razor, advertisements for the brand's shaving cream can be identified. Advertisements for related items can also be used for cross-promotion.
  • the electronic payment system From time to time, at specified intervals, or based on location (e.g., having a coupon for a merchant this is with a specified proximity) the electronic payment system sends identified advertisements and/or promotions to the user's digital device. When specified advertising thresholds are satisfied (e.g., a specified number and/or type of advertisements and/or promotions are presented), the electronic payment system confers a financial benefit on the user's account.
  • the electronic payment system can provide the user's account with a low cost (e.g., reduced fee) or free financial service, such as, for example, one reduced cost bill pay or one free bill pay.
  • the electronic payment system can provide the user's account with a coupon or voucher for an item (e.g., an item a user has pre-selected or an item the user has purchased in the past).
  • a client application for the electronic payment system runs on the user's digital device (e.g. mobile wallet application 511).
  • the user interacts with the electronic payment system through the client application. From a screen of the client application, the user can agree to accept opt in advertising. Accordingly, embodiments of the invention essentially permit a user to self-monetize themselves through their digital device.
  • computer architecture 500 includes digital device 508, retail location 502, and electronic payment system 521.
  • Digital device 508 further includes mobile wallet application 511.
  • Retail location 502 further includes its own mobile wallet application 512.
  • Electronic payment system 521 includes marketing module 533, data warehouse 532, advertisements 538, payment processor 522, user mobile wallet 524 (user 507's mobile wallet), and merchant mobile wallet 526 (retail location 502's mobile wallet).
  • each company in packaged goods companies 571 can send advertisement data to electronic payment system 521. Advertisements 538 represent the collection of advertisement data sent from packaged goods companies 571.
  • Each company in packaged goods companies 571 can also submit benefit rules to electronic payment system 521.
  • Benefit rules 578 represent the collection of benefit rules sent from packaged goods companies 571.
  • Benefit rules 578 define when a benefit, such as, for example, a free financial service, a coupon, a promotion, etc, is to be granted to a user of electronic payment system 521. For example, in response to completing a questionnaire linked to a product advertisement, a user can be given a coupon for the product or for a related product.
  • user 507 can use mobile wallet application 511 to pay for goods purchased at retail location 502 (as shown in Figure 4).
  • user 507 can use mobile wallet application 511 to purchase goods 503.
  • mobile wallet application 511 can send payment instruction 543 in amount 563 to electronic payment system 521.
  • Payment processor 522 can receive payment instruction 543.
  • payment processor 522 can debit 541 user mobile wallet 524 by amount 563.
  • Payment processor 522 can also credit 542 merchant mobile wallet 526 by amount 563.
  • Advertisement identification module 536 can then select advertisements from advertisements 538 that correspond to the identified items or categories of items. For example, advertisement identification module 536 can select advertisement 546 for presentation at mobile wallet application 511. Advertisement 546 can be an advertisement for a product made by a company in packaged goods companies 571. Additionally or alternatively, the advertisement 546 may be created by the merchant and may advertise products or services sold by that merchant.
  • Advertising module 533 can send selected advertisements to mobile wallet application 511.
  • advertising module 533 can send advertisement 546 (e.g., related to an item in goods 503) to mobile wallet application 511.
  • advertisements can include interactive content.
  • advertisement 546 includes content 573.
  • Content 573 can be a video, a link to a company website (e.g., for a company in packaged goods companies 571), a call to action (such as a questionnaire), or some other content user 507 can interact with through digital device 508.
  • User 507 can interact with content 573, for example, responding to questions in content 573.
  • Advertisement response 574 can indicate how user 507 has interacted with content 573.
  • a call to action may be to post an update on Facebook® or some other website such as a retail establishment ranking website. If the user makes such a post or performs some other call to action, the user may be rewarded with a benefit. That benefit may be related to the product about which the user posted on the various websites.
  • Benefit determination module 576 can also track aggregate statistics, such as, for example, specified number and/or type of advertisements received, for advertisements presented at mobile wallet application 511. Benefits can also be conferred upon users based on the aggregate statistics. For example, benefit determination module 576 can confer a benefit upon user 507 in response to twenty advertisements being presented at mobile wallet application 511. Thus, conferred benefits can be company-specified benefits or can be electronic payment system- specified benefits. Electronic payment system 521 can notify a user when a benefit is conferred. For example, electronic payment system 521 can send benefit notification 547 to mobile wallet application 511 to indicate benefit 577 being stored in brand locker 572.
  • aggregate statistics such as, for example, specified number and/or type of advertisements received, for advertisements presented at mobile wallet application 511. Benefits can also be conferred upon users based on the aggregate statistics. For example, benefit determination module 576 can confer a benefit upon user 507 in response to twenty advertisements being presented at mobile wallet application 511. Thus, conferred benefits can be company-specified benefits or can be electronic payment system- specified benefits. Electronic payment
  • electronic payment system 521 can automatically check brand locker 572 for benefits related to any purchases items. If benefits for an item are identified, user 507 can be notified through mobile wallet application 511. In some cases, if benefits are identified, those benefits can be applied automatically when the user purchases that item or service. Thus, if the benefit is a coupon or a buy one get one free offer, that benefit may be applied automatically when the user uses his or her mobile wallet application 511 to purchase that item. Accordingly, embodiments of the invention permit user 507 to self monetize digital device 508 through agreeing to participate in opt-in advertising.
  • Method 600 further includes selecting one or more advertisements 546 based on the identified items or item categories (step 640) and sending the selected advertisements to mobile wallet application 511 (which is tied to the user's mobile wallet account 524) for use by the user (step 650).
  • Method 600 then includes determining that the user's interactions 574 with the selected advertisements 543 warrant conferring a benefit 577 to the user 507 (step 660), where the benefit is selected from among a reduced cost or free financial service, a coupon, a voucher, and a buy one get one free offer, and then conferring the selected benefit 577 upon the user by sending the benefit to the user's mobile wallet application 511 (step 670).
  • a user may opt in to receive opt-in advertising. Then, after receiving that advertising (and possibly after interacting with it), the user may be conferred a benefit.
  • This benefit may be used to receive reduced cost or free financial services or goods.
  • the benefit may be applied automatically as the user is purchasing that good or service. At least in some cases, as will be described below in conjunction with Figures 8 and 9, the benefit may be a monetary reward.
  • the electronic payment system 521 of Figure 5 may be used to provide the monetary rewards.
  • the monetary rewards may be sent as part of, or may be referred to with the other rewards, coupons and other benefits 577 described above. In some cases, the monetary rewards may be sent in lieu of other benefits such as coupons or buy-one-get-one-free offers.
  • the monetary rewards may be calculated by the benefit determining module 576, as will be explained further below.
  • a method 800 is provided for providing monetary rewards in exchange for participation in opt-in advertising.
  • Method 800 includes an act of receiving at the electronic payment system an indication that a user 507 of is initiating participation in opt-in advertising 546 sent from the electronic payment system 521 in exchange for a monetary reward 577, the user having a mobile wallet account 524 at the electronic payment system (act 810).
  • the electronic payment system 521 may send one or more advertisements 546 to a mobile wallet application 511 running on a digital device 508 of the user 505 (act 820).
  • the electronic payment system 521 determines an appropriate monetary reward 577 based on the number and/or type of advertisements 546 sent to the user's mobile wallet application 511 (act 830) and provides the determined monetary reward 577 to the user via the mobile wallet application 511 on the user's digital device 508 (act 840).
  • users may be given monetary rewards based on a percentage of the amount paid by the advertiser. For instance, if an advertiser paid to advertise on the mobile wallets of certain users (e.g. user 507) or users of certain demographics, and the user received those ads, the user may be given a small percentage of the amount paid by the advertiser.
  • the advertisements may be sold at auction and the user may receive a specified percentage of the advertisement's selling price. A user may thus be able to receive a larger monetary reward by allowing more ads (or more targeted ads based on demographic information) to be shown on their digital device.
  • a monetary reward may be customized based on the user's current location. For instance, if a user is in the United States, the reward may be given in dollars. If a user is in Mexico, the reward may be given in pesos, in an amount that is equivalent or at least related to the amount given in dollars. In some cases, producers may pay more for advertisements in certain countries, or in certain locations (e.g. states) within those countries. In such cases, the user may receive larger or smaller rewards depending on where they are currently located (according to GPS, device settings or other information). In some embodiments, the user 507 may not have a debit or credit account with a bank or credit card company.
  • a user can redeem monetary rewards received for participation in opt-in advertising to purchase a product or service.
  • the monetary rewards may be stored in a value store in the mobile wallet application.
  • the monetary rewards may be applied automatically as the user pays for the specified good or service using the mobile wallet application.
  • the electronic payment system 521 may send a notification to the user and/or the provider of the good or service indicating that the monetary rewards were applied to the purchase of the indicated good or service.
  • the user knows that the product or service was purchased (in whole or in part) using the monetary rewards, and the advertiser or goods producer 571 knows that monetary rewards were used to pay for their product or service.
  • Non-Documentary Verification can occur through the presentment of the information that was collected from the user to an external third party, such as, for example, Lexis Nexis.
  • Documentary Verification can occur if non-documentary verification fails, then the user is asked to present an unexpired government ID.
  • Various differ forms of identification including Driver's license, Passport, Alien identification (e.g., green card or work visa), and Mexican Consular identification card, can be accepted.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Dans cette invention, un système de paiement électronique transmet des récompenses financières en échange d'une participation à la publicité à option d'adhésion. Ledit système de paiement électronique est conçu pour recevoir une indication lorsqu'un utilisateur commence à participer à la publicité à option d'adhésion. De la publicité est envoyée à l'utilisateur en provenance du système de paiement électronique en échange d'une récompense financière. Dans la plupart des cas, l'utilisateur possède un compte de portefeuille mobile au sein du système de paiement électronique. Le système de paiement électronique envoie alors des publicités à une application de portefeuille mobile s'exécutant sur un dispositif numérique qui appartient à l'utilisateur, il détermine la récompense financière qui convient en fonction du nombre et/ou du type de publicités envoyées à l'application de portefeuille mobile de l'utilisateur, et il transmet à l'utilisateur la récompense financière déterminée par le biais de ladite application de portefeuille mobile sur le dispositif numérique de l'utilisateur.
PCT/US2013/039100 2012-05-02 2013-05-01 Services financiers gratuits ou ayant un prix fixé de manière non organisée ou articles octroyés en échange d'une participation à la publicité à option d'adhésion WO2013166174A1 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US201261641677P 2012-05-02 2012-05-02
US61/641,677 2012-05-02
US13/528,720 2012-06-20
US13/528,720 US20120330737A1 (en) 2011-06-22 2012-06-20 Disruptively priced or free financial services or items in exchange for participation in opt in advertising
US13/874,192 US20130246141A1 (en) 2011-06-22 2013-04-30 Disruptively priced or free financial services or items in exchange for participation in opt in advertising
US13/874,192 2013-04-30

Publications (1)

Publication Number Publication Date
WO2013166174A1 true WO2013166174A1 (fr) 2013-11-07

Family

ID=49514863

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2013/039100 WO2013166174A1 (fr) 2012-05-02 2013-05-01 Services financiers gratuits ou ayant un prix fixé de manière non organisée ou articles octroyés en échange d'une participation à la publicité à option d'adhésion

Country Status (1)

Country Link
WO (1) WO2013166174A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US9892386B2 (en) 2011-06-03 2018-02-13 Mozido, Inc. Monetary transaction system
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
CN116308313A (zh) * 2023-02-01 2023-06-23 深圳市华宇讯科技有限公司 数字钱包处理方法以及装置、电子设备、存储介质

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6175823B1 (en) * 1998-09-15 2001-01-16 Amazon.Com, Inc. Electronic gift certificate system
US20090299844A1 (en) * 2008-05-29 2009-12-03 Kroger Personal Finance Prepaid reloadable electronic transaction cards with loyalty program
US20110258024A1 (en) * 2010-04-14 2011-10-20 Kevin Prince Advertising Viewing and Referral Incentive System
WO2012025824A2 (fr) * 2010-06-15 2012-03-01 David Yang Système de fidélisation des clients dans des chaînes de vente au détail et dans des restaurants à l'aide de serveurs web, dispositifs de communication mobiles et terminaux de point de vente

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6175823B1 (en) * 1998-09-15 2001-01-16 Amazon.Com, Inc. Electronic gift certificate system
US20090299844A1 (en) * 2008-05-29 2009-12-03 Kroger Personal Finance Prepaid reloadable electronic transaction cards with loyalty program
US20110258024A1 (en) * 2010-04-14 2011-10-20 Kevin Prince Advertising Viewing and Referral Incentive System
WO2012025824A2 (fr) * 2010-06-15 2012-03-01 David Yang Système de fidélisation des clients dans des chaînes de vente au détail et dans des restaurants à l'aide de serveurs web, dispositifs de communication mobiles et terminaux de point de vente

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9892386B2 (en) 2011-06-03 2018-02-13 Mozido, Inc. Monetary transaction system
US11120413B2 (en) 2011-06-03 2021-09-14 Fintiv, Inc. Monetary transaction system
US11295281B2 (en) 2011-06-03 2022-04-05 Fintiv, Inc. Monetary transaction system
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US11468434B2 (en) 2011-11-21 2022-10-11 Fintiv, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
CN116308313A (zh) * 2023-02-01 2023-06-23 深圳市华宇讯科技有限公司 数字钱包处理方法以及装置、电子设备、存储介质
CN116308313B (zh) * 2023-02-01 2024-03-08 深圳市华宇讯科技有限公司 数字钱包处理方法以及装置、电子设备、存储介质

Similar Documents

Publication Publication Date Title
US11468434B2 (en) Using a mobile wallet infrastructure to support multiple mobile wallet providers
US9208488B2 (en) Using a mobile wallet infrastructure to support multiple mobile wallet providers
US20220147969A1 (en) Monetary transaction system
US20160055583A1 (en) Mobile global exchange platform
US20130246141A1 (en) Disruptively priced or free financial services or items in exchange for participation in opt in advertising
US20120330737A1 (en) Disruptively priced or free financial services or items in exchange for participation in opt in advertising
AU2013221323B2 (en) System and method of registering stored-value cards into electronic wallets
US8892474B1 (en) Virtual purchasing card transaction
US20090182674A1 (en) Facilitating financial transactions with a network device
US20120323777A1 (en) Business to business mobile vault
AU2014251242A1 (en) Systems and methods for mobile device financing
US20130317896A1 (en) Internet price matching using a mobile wallet
US20120123922A1 (en) Stored value exchange method and apparatus
US20120173402A1 (en) Stored value exchange method and apparatus
US20160078493A1 (en) Conferring health related services or items in exchange for participation in opt-in advertising
US20230058127A1 (en) Server arrangement and related methods for performing financial operations
US20080208725A1 (en) System and method facilitating private currency
US20160063483A1 (en) Merchant card exchange facilitator system
US20180365724A1 (en) Comprehensive business and marketing platform and system
US20130091012A1 (en) Conferring health related services or items in exchange for participation in opt-in advertising
WO2013009446A1 (fr) Services d'articles financiers gratuits ou à prix très réduits en échange d'un consentement préalable de participation à une publicité
WO2013166174A1 (fr) Services financiers gratuits ou ayant un prix fixé de manière non organisée ou articles octroyés en échange d'une participation à la publicité à option d'adhésion
WO2016073519A1 (fr) Plateforme d'échange globale mobile

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 13784710

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 13784710

Country of ref document: EP

Kind code of ref document: A1