Patent application number | Description | Published |
20080249908 | SYSTEM FOR CALCULATING ESTIMATED CURRENCY CONVERSION OUTCOME - A method includes receiving an inquiry. The inquiry identifies a first currency, a monetary amount in the first currency, and at least some digits of a payment card account number. The method also includes responding to the inquiry by providing a monetary amount in a second currency. The monetary amount in the second currency corresponds to a proposed currency conversion to be applied to the monetary amount in the first currency. | 10-09-2008 |
20080249909 | REMITTANCE SYSTEM WITH AUTOMATIC FINDING OF CASH LOCATIONS - A method includes receiving an indication that a funds transfer has been completed by crediting of a monetary amount to a recipient's payment card account. The method further includes transmitting, to the recipient's mobile telephone, and at a timing determined by the indication, data that indicates at least one location for retrieving funds from the recipient's payment card account. | 10-09-2008 |
20080249910 | REGISTRATION OF CUSTOMERS FOR PAYMENT CARD BASED REMITTANCE SYSTEM - An application is received to register a customer for a funds transfer system. The application includes (a) the customer's name, (b) the customer's residential address, (c) the customer's mobile telephone number, and (d) an identification document that confirms the customer's name and residential address. The customer's mobile telephone number is associated with a payment card account number. The customer's name and residential address and a record of the identification document are stored in association with the payment card account number. | 10-09-2008 |
20080249928 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DESIGNATION OF RECIPIENT BY MOBILE TELEPHONE NUMBER - A request is received for a funds transfer. The request includes a destination telephone number. The destination telephone number is translated into a destination payment card account number. The funds transfer is routed as a payment transaction using the destination payment card account number. | 10-09-2008 |
20080249929 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION - A payment system receives, from a first financial institution, a request for a funds transfer. The request originates from a sender who has an account with the first financial institution. The payment system routes the funds transfer to a second financial institution for the benefit of a recipient. The payment system receives, from the second financial institution, the recipient's name and residential address. | 10-09-2008 |
20080249930 | INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company. | 10-09-2008 |
20090090783 | DUAL USE PAYMENT DEVICE - A mobile device includes an antenna and at least one control device coupled to the antenna. The at least one control device is selectively operable in a first mode and in a second mode. In the first mode, the at least one control device transmits a payment card account number via the antenna to a point of sale terminal. In the second mode, the at least one control device transmits a message to the point of sale terminal via the antenna to request that the point of sale terminal download transaction information to the mobile device. | 04-09-2009 |
20090094123 | PAYMENT SERVICES PROVIDER METHODS IN CONNECTION WITH PERSONALIZED PAYMENTS SYSTEM - A method includes receiving transaction information from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes receiving, from a mobile device, a request that a funds transfer be made from a payment card account that belongs to a customer who is operating the mobile device to a payment card account that belongs to the merchant. The method also includes forwarding the request to a financial institution that issued the payment card account that belongs to the customer. | 04-09-2009 |
20090094125 | SYSTEM FOR PERSONALIZED PAYMENTS VIA MOBILE DEVICES - A method includes receiving transaction information at a mobile device from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes generating a funds transfer request in the mobile device. The funds transfer request includes the merchant information, information that indicates the transaction amount and information that identifies a customer of the merchant. The funds transfer request is for requesting that funds be transferred from a payment card account that belongs to the customer to a payment card account that belongs to the merchant. The method also includes transmitting, from the mobile device, the funds transfer request, to a financial institution that issued the customer's payment card account. | 04-09-2009 |
20090094126 | DUAL USE POINT OF SALE TERMINAL AND METHODS OF OPERATING SAME - A method of operating a point of sale (POS) terminal includes inputting into the POS terminal information for defining a transaction. The method further includes selecting between a first mode of operation of the POS terminal and a second mode of operation of the POS terminal. In the first mode of operation the POS terminal initiates a payment card authorization request to an acquirer financial institution. In the second mode of operation the POS terminal transmits transaction information to a customer's mobile device. | 04-09-2009 |
20090266884 | DUAL USE PAYMENT DEVICE - A mobile device includes an antenna and at least one control device coupled to the antenna. The at least one control device is selectively operable in a first mode and in a second mode. In the first mode, the at least one control device transmits a payment card account number via the antenna to a point of sale terminal. In the second mode, the at least one control device transmits a message to the point of sale terminal via the antenna to request that the point of sale terminal download transaction information to the mobile device. | 10-29-2009 |
20120016795 | INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company. | 01-19-2012 |
20120317030 | INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - Methods and systems for registering a remittance customer to facilitate international funds transfers are described. In an embodiment a first financial institution computer in a first country receives the name, residence address and a mobile telephone number of a remittance customer from a first mobile network operator (MNO), and also receives image data that corresponds to documentation verifying the remittance customer's identity and residence address. A new payment card account number is generated for the remittance customer and is stored along with the image data and first mobile telephone number. The remittance customer's mobile telephone number and new payment card account number is then transmitted to a translation server of a payment system used for transferring funds internationally. | 12-13-2012 |
20130151408 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION - A payment system computer receives a request for a funds transfer from a sender to a recipient. The payment system computer routes a request to authorize funding of the funds transfer to a first financial institution. The payment system computer receives an authorization response that includes sender information that satisfies know your customer (KYC)/anti-money laundering (AML) requirements. A mobile telephone number of the recipient is translated into a recipient account number, wherein the recipient account number corresponds to a recipient account at a second financial institution different from the first financial institution. The payment system computer then transmits the sender information and the funds to the second financial institution to satisfy KYC/AML requirements and for crediting to the recipient account. | 06-13-2013 |
20130173407 | DUAL USE POINT OF SALE TERMINAL AND METHODS OF OPERATING SAME - A method of operating a merchant device includes the merchant device receiving an input from a customer mobile device concerning a financial transaction. The method further includes the merchant device selecting a payment transaction mode of operation when the input is a request for a payment card system transaction, or selecting a payment card purchase transaction mode of operation when the input from the customer mobile device is a payment card account number. In the payment transaction mode of operation the merchant device provides transaction data to the customer's mobile device, whereas in the payment card purchase transaction mode the merchant device transmits a payment card authorization request to an acquirer financial institution. | 07-04-2013 |
20130290182 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DESIGNATION OF RECIPIENT BY MOBILE TELEPHONE NUMBER - Methods and apparatus for conducting a funds transfer. In an embodiment, a translation computer receives an inquiry that includes a mobile telephone number from a payment system computer. The process includes accessing a computer database, translating the mobile telephone number into a payment card account number, and then transmitting, by the translation computer to the payment system computer, the payment card account number in response to the inquiry. | 10-31-2013 |
20140032381 | PAYMENT SERVICES PROVIDER METHODS IN CONNECTION WITH PERSONALIZED PAYMENTS SYSTEM - A method includes a processor receiving transaction information from a merchant device, which includes a transaction amount, merchant identifying information and customer addressing information. The processer transmits the merchant identifying information to a customer mobile device, and receives a payment transaction request to transfer funds from a customer account to a merchant. The processor translates the customer addressing information into a customer payment card account number, and the merchant identifying information into a merchant payment card account number. The processor then transmits the payment transaction request to the customer's issuer financial institution, which request includes the customer payment card account number, the transaction amount, and the merchant payment card account number. | 01-30-2014 |
20140289125 | SYSTEM FOR PERSONALIZED PAYMENTS VIA MOBILE DEVICES - Methods and apparatus for conducting a payment card system payment transaction initiated from a customer's mobile device. In an embodiment, the customer's mobile device processor receives transaction information from a payment services provider computer, and generates a request for a payment transaction including a customer identification code that identifies the customer's payment card account, the transaction amount, and instructions to transfer funds from the payment card account to a merchant payment card account. The method includes transmitting the payment transaction request to the payment services provider computer, receiving a challenge to provide at least one item of security information, transmitting the security information to the payment services provider, and then receiving a confirmation message indicating execution of the payment transaction. | 09-25-2014 |