公开(公告)号：US20100125510A1

公开(公告)日：2010-05-20

申请号：US12562593

申请日：2009-09-18

Applicant: Steven M. Smith ,  Brady L. Rackley ,  Ben D. Ackerman ,  Nanci Rainey ,  Warren D. Porter ,  Aidoo Osei ,  Robert L. Dessert ,  Karthik R. Iyer ,  Kyle Cochran ,  James P. Mason ,  Scott P. Monahan

Inventor： Steven M. Smith ,  Brady L. Rackley ,  Ben D. Ackerman ,  Nanci Rainey ,  Warren D. Porter ,  Aidoo Osei ,  Robert L. Dessert ,  Karthik R. Iyer ,  Kyle Cochran ,  James P. Mason ,  Scott P. Monahan

IPC: G06Q20/00 ,  G06Q30/00 ,  G06Q40/00

CPC classification number: G06Q20/40 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/385 ,  G06Q20/425 ,  H04L63/0838 ,  H04L2463/102

Abstract: A method of managing transactions between a mobile wallet within a mobile device and a point-of-sale terminal at a merchant is disclosed and may include receiving a request for a purchase code from the mobile wallet, generating a short-term purchase code, transmitting the short-term purchase code to the mobile wallet, and receiving the short-term purchase code from the merchant.

Abstract translation: 公开了一种管理移动设备内的移动钱包与商户的销售点终端之间的交易的方法，并且可以包括从移动钱包接收购买代码的请求，生成短期购买代码，发送 短期购买代码到手机钱包，并从商家接收短期购买代码。

公开(公告)号：US20100125495A1

公开(公告)日：2010-05-20

申请号：US12562576

申请日：2009-09-18

Applicant: Steven M. Smith ,  Brady L. Rackley ,  Ben D. Ackerman ,  Nanci Rainey ,  Warren D. Porter ,  Aidoo Osei ,  Robert L. Dessert ,  Karthik R. Iyer ,  Kyle Cochran ,  James P. Mason ,  Scott P. Monahan

Inventor： Steven M. Smith ,  Brady L. Rackley ,  Ben D. Ackerman ,  Nanci Rainey ,  Warren D. Porter ,  Aidoo Osei ,  Robert L. Dessert ,  Karthik R. Iyer ,  Kyle Cochran ,  James P. Mason ,  Scott P. Monahan

IPC: G06Q30/00 ,  G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q20/3223 ,  G06Q30/0222 ,  G06Q30/04 ,  G06Q30/0601 ,  G06Q40/00 ,  G06Q40/12

Abstract: A method of providing a mobile wallet is disclosed and may include displaying a mobile wallet login screen and displaying a mobile wallet. The mobile wallet includes at least one of the following: an accounts option, a buy now option, an offers option, a receipts option, and a more option. The method further includes displaying one or more accounts when the accounts option is selected. The one or more accounts may include at least one of the following: a bank account, a credit account, a gift card account, and a rewards account.

Abstract translation: 公开了提供移动钱包的方法，并且可以包括显示移动钱包登录屏幕并显示移动钱包。 移动钱包至少包括以下之一：帐户选项，现在购买选项，优惠选项，收据选项和更多选项。 该方法还包括当选择帐户选项时显示一个或多个帐户。 一个或多个帐户可以包括以下中的至少一个：银行帐户，信用账户，礼品卡帐户和奖励账户。

公开(公告)号：US20100057614A1

公开(公告)日：2010-03-04

申请号：US12437475

申请日：2009-05-07

Applicant: Nanci Rainey ,  Steven M. Smith

Inventor： Nanci Rainey ,  Steven M. Smith

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/40

Abstract: A system and method for effecting a substantially real-time financial transaction between at least one secure account linked to a computer device, such as a checking account that ultimately has a delayed-settlement of financial transactions, and one other financial account, such as another secure account linked to another computer device. A financial services system allows remote computer devices, such as mobile computer devices, to store access codes, such as debit card numbers, for secure accounts and the financial services system can then effect a desired transaction over an existing electronic transaction network, such as an ATM/Debit network, thereby causing the financial transaction to occur substantially in real-time between secure accounts.

Abstract translation: 用于在至少一个连接到计算机设备的安全帐户（例如最终具有金融交易的延迟结算的支票账户）与另一个其他金融账户（例如另一个）之间实现基本上实时的金融交易的系统和方法 安全帐户链接到另一台计算机设备。 金融服务系统允许远程计算机设备（例如移动计算机设备）存储用于安全帐户的访问代码，例如借记卡号码，并且金融服务系统然后可以通过现有的电子交易网络（例如， ATM /借记网络，从而导致金融交易实质上在安全帐户之间实时发生。