Sarah C Owen

US Patent:

20080017704, Jan 24, 2008

Filed:

Feb 7, 2007

Appl. No.:

11/672417

Inventors:

Theodore VanDeburg - Denver CO, US
Sarah Owen - Denver CO, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06K 5/00

US Classification:

235380

Abstract:

A contactless electronic wallet is disclosed. The contactless electronic wallet may include a communications interface adapted to receive financial account information from a computer. The contactless electronic wallet may also include a memory device adapted to electronically store financial account information for at least one financial account. The contactless electronic wallet may further include a user interface adapted to communicate an account list to a user comprising at least one financial account associated with financial account information stored in the memory device, wherein the user selects a first financial account from the account list. The contactless electronic wallet may include a RF antenna that communicates account information associated with the first account to a radio frequency-enabled communication device. And, the contactless electronic wallet may include a processor coupled with the communications interface, the memory device, the user interface, and the RF antenna.

US Patent:

20080207203, Aug 28, 2008

Filed:

Jul 30, 2007

Appl. No.:

11/830392

Inventors:

Steven E. Arthur - Castle Rock CO, US
Christopher L. Toomer - Parker CO, US
Sarah Owen - Denver CO, US
Theodore VanDeburg - Denver CO, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

H04Q 7/20

US Classification:

4554351

Abstract:

Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.

US Patent:

20080207234, Aug 28, 2008

Filed:

Jul 30, 2007

Appl. No.:

11/830409

Inventors:

Steven E. Arthur - Castle Rock CO, US
Christopher L. Toomer - Parker CO, US
Sarah Owen - Denver CO, US
Theodore VanDeburg - Denver CO, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

H04Q 7/20

US Classification:

455466

Abstract:

Methods, systems, and machine-readable media are disclosed for providing marketing messages to a mobile device. According to one embodiment, a method of providing one or more marketing messages to a mobile device in a mobile commerce system can comprise receiving at a mobile wallet server a set of information from an acquirer system. The set of information can identify one or more marketing offers. One or more marketing messages can be generated by the mobile wallet server based on the set of information identifying the one or more marketing offers. For example, the marketing messages can comprise Short Message Service (SMS) messages, email messages, or other types of messages. Each of the one or more marketing messages can be sent from the mobile wallet server to one or more mobile devices.

US Patent:

20080208741, Aug 28, 2008

Filed:

Jul 30, 2007

Appl. No.:

11/830362

Inventors:

Steven E. Arthur - Castle Rock CO, US
Christopher L. Toomer - Parker CO, US
Sarah Owen - Denver CO, US
Theodore VanDeburg - Denver CO, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 40/00

US Classification:

705 41

Abstract:

Methods, systems, and machine-readable media are disclosed for providing account information to a mobile wallet application in a mobile commerce system. According to one embodiment, a method of providing account information for a financial account to a mobile wallet of a mobile device can comprise receiving at a mobile wallet server a request for the account information. For example, the account information can comprise an account balance. In another example, the account information can comprise an account transaction history. An account inquiry can be sent from the mobile wallet server to an acquirer system. The account information can be received at the mobile wallet server from the acquirer system and sent from the mobile wallet server to the mobile wallet of the mobile device.

US Patent:

20080208742, Aug 28, 2008

Filed:

Jul 30, 2007

Appl. No.:

11/830420

Inventors:

Steven E. Arthur - Castle Rock CO, US
Christopher L. Toomer - Parker CO, US
Sarah Owen - Denver CO, US
Theodore VanDeburg - Denver CO, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 40/00

US Classification:

705 41

Abstract:

Methods, systems, and machine-readable media are disclosed for provisioning information to a mobile device in a mobile commerce system. According to one embodiment, a method of provisioning information to a mobile wallet application of a mobile device can comprise receiving at a mobile wallet server registration information for the mobile device from an acquirer system. A determination can be made based on the registration information as to whether the mobile wallet of the mobile device has been previously provisioned. In response to determining that the mobile wallet of the mobile device has not been previously provisioned, a new mobile wallet can be created for the mobile device. A notification can then be sent from the mobile wallet server to the mobile device, the notification indicating the mobile wallet is available for download.

US Patent:

20080208743, Aug 28, 2008

Filed:

Jul 30, 2007

Appl. No.:

11/830436

Inventors:

Steven E. Arthur - Castle Rock CO, US
Christopher L. Toomer - Parker CO, US
Sarah Owen - Denver CO, US
Theodore VanDeburg - Denver CO, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 40/00

US Classification:

705 41

Abstract:

Methods, systems, and machine-readable media are disclosed for handling payment transactions in a mobile commerce system and initiated between mobile devices. According to one embodiment, a method of processing a payment transaction from a first mobile wallet application of a first mobile device to a second mobile wallet application of a second mobile device in a mobile commerce system can comprise receiving at a first acquirer system a communication from the first mobile device. The communication can be related to the payment transaction and can include information identifying a first financial account from which a payment is requested. A second acquirer system for authorizing the payment can be identified based on the information identifying the first financial account. The communication can be sent to the second acquirer system for authorization of the transaction based on the information related to the first financial account.

US Patent:

20080208744, Aug 28, 2008

Filed:

Jul 30, 2007

Appl. No.:

11/830468

Inventors:

Steven E. Arthur - Castle Rock CO, US
Christopher L. Toomer - Parker CO, US
Sarah Owen - Denver CO, US
Theodore VanDeburg - Denver CO, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

H04Q 7/20

US Classification:

705 41, 455466

Abstract:

Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.

US Patent:

20080208762, Aug 28, 2008

Filed:

Jul 30, 2007

Appl. No.:

11/830459

Inventors:

Steven E. Arthur - Castle Rock CO, US
Christopher L. Toomer - Parker CO, US
Sarah Owen - Denver CO, US
Theodore VanDeburg - Denver CO, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 30/00

US Classification:

705 79, 705 77

Abstract:

Methods, systems, and machine-readable media are disclosed for handling payment transactions in a mobile commerce system. According to one embodiment, a method of processing a payment transaction in a mobile commerce system can comprise receiving at a first acquirer system a communication from a point-of-sale (POS) device. The communication can be related to the payment transaction and can include information identifying a financial account from which a payment is requested. A second acquirer for authorizing the payment can be identified based on the information identifying the financial account. The communication can be sent to the second acquirer system for authorization of the transaction based on the information related to the financial account. An indication of whether the transaction is authorized can be received from the second acquirer system.