Matthew James Farrell

US Patent:

20120290421, Nov 15, 2012

Filed:

May 8, 2012

Appl. No.:

13/466435

Inventors:

Bahman Qawami - San Jose CA, US
Branimir Z. Talaich - Saratoga CA, US
Matthew J. Farrell - San Jose CA, US

Assignee:

SPENZI, INC. - San Jose CA

International Classification:

G06Q 20/40
H04W 4/14
G06Q 20/32
G06Q 20/20

US Classification:

705 21

Abstract:

A mobile payment system authorizes payment by sending a Short Message Service (SMS) text message or secure hypertext transfer protocol (HTTPS) request to a customer's mobile phone or mobile device requiring customer to respond by SMS or HTTPS. A SMS payment software-plugin is installed on a Point-Of-Sale (POS) terminal. When a customer requests to pay by SMS, the plugin is activated and the customer's mobile phone number and zip code or POS PIN are entered on the POS terminal. The POS terminal sends a request to a SMS payment system, which sends the SMS text message to the customer's mobile device. When the customer replies to the SMS message with an approval code, the SMS payment system uses payment information for the customer to create a transaction request to a bank authorization network. When the SMS payment system receives authorization, it notifies the POS terminal to complete the purchase transaction

US Patent:

20130144663, Jun 6, 2013

Filed:

Nov 29, 2012

Appl. No.:

13/689687

Inventors:

Branimir Z. Talaich - Saratoga CA, US
Matthew J. Farrell - San Jose CA, US

Assignee:

SPENZI, INC. - San Jose CA

International Classification:

G06Q 10/02

US Classification:

705 5

Abstract:

A customer enters his mobile phone number to logon to a third-party website without a username or password. A Short Message Service (SMS) Applications-Programming Interface (API) sends the phone number to a SMS control system that authorizes the logon by sending a SMS text message or secure hypertext transfer protocol (HTTPS) request to the customer's mobile phone or mobile device requiring customer to respond by SMS or HTTPS. When the customer replies to the SMS message with an approval code such as a Personal-Identification-Number (PIN), the SMS control system approves the logon to the third-party website. An admittance gate at an event such as a concert or movie may also get the customer's phone number and use the API to activate the SMS control system to exchange SMS text messages to authorize admittance. A pre-paid ticket in an admittance queue is redeemed in the customer's account.

US Patent:

20130144706, Jun 6, 2013

Filed:

Nov 29, 2012

Appl. No.:

13/689697

Inventors:

Branimir Z. Talaich - Saratoga CA, US
Matthew J. Farrell - San Jose CA, US

Assignee:

Spenzi, Inc. - San Jose CA

International Classification:

G06Q 20/32

US Classification:

705 1427, 705 44

Abstract:

A customer selects a payment source and authorizes payment by sending Short Message Service (SMS) text messages or secure hypertext transfer protocol (HTTPS) requests from the customer's mobile phone or device. A SMS payment software-plugin is installed on a Point-Of-Sale (POS) terminal and launches a price match search and can fetch customer rewards. When a customer requests to pay by SMS, the plugin is activated and the customer's mobile phone number and zip code or POS PIN are entered on the POS terminal. The POS terminal sends a request to a SMS payment system, which sends SMS text messages to the customer's mobile device. When the customer replies to the SMS message with a payment source selection and an approval code, the SMS payment system uses the selected payment source from the customer to create a transaction request to a bank authorization network.

US Patent:

20130144738, Jun 6, 2013

Filed:

Nov 14, 2012

Appl. No.:

13/677267

Inventors:

Branimir Z. Talaich - Saratoga CA, US
Matthew J. Farrell - San Jose CA, US

Assignee:

SPENZI, INC. - San Jose CA

International Classification:

G06Q 20/40
H04W 4/14
G06Q 20/20

US Classification:

705 21

Abstract:

A giving customer sends to a Short Message Service (SMS) gifting system a SMS text message with a gift amount, mobile phone number, and personal message for a receiving customer. The SMS gifting system authorizes payment for gifts by sending a SMS text message or secure hypertext transfer protocol (HTTPS) request to the giving customer's mobile phone or mobile device requiring customer to respond by SMS or HTTPS. When the giving customer replies to the SMS message with an approval code such as a Personal-Identification-Number (PIN), the SMS gifting system uses a queue of payment sources for the giving customer to create transaction requests to a bank authorization network. When the SMS gifting system receives authorization, it completes the gift transaction by sending a SMS message to the receiving user's mobile phone. Deals and vouchers may be shared among sub-users in a grouped account.