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686results about How to "Convenient payment" patented technology

Offer Management System and Methods for Targeted Marketing Offer Delivery System

A system and methods for an offer management system for use in delivering targeted marketing offers to consumers during a session with an online (web-based) Internet portal, such as an online banking portal of a financial institution. A component receives aggregated transaction data from a financial transaction system for use in creation of an advertising campaign. A component provides a marketing campaign interface that allows advertisers to define an advertising campaign by display of information derived from the aggregated transaction data indicating potential market segments defined by the advertiser, define a predetermined market segment, and define a predetermined targeted marketing offer for delivery to consumers under predetermined conditions. A component outputs the campaign data to the financial institution for delivery of the targeted marketing offer to consumers within the predetermined market segment in response to the predetermined conditions during online sessions with the portal.
Owner:CARDLYTICS

System and Methods for Offer Realization and Redemption in a Targeted Marketing Offer Delivery System

A system and methods for offer realization and redemption in a system involving delivery of targeted marketing offers to consumers during a session with an online (web-based) Internet portal, such as an online banking portal of a financial institution. A database stores transaction data records, offer data corresponding to the terms of a targeted marketing offer delivered to the consumer, offer redemption data corresponding to a predetermined targeted marketing offer that has been satisfied, and reward data corresponding to a predetermined reward provided in response to satisfaction of the terms of the offer. A component processes the transaction data records to identify whether any transactions have satisfied the terms of an offer and stores offer redemption data indicating that the terms of an offer have been satisfied. A component accesses the offer redemption data and the reward data and provides the predetermined reward to the consumer.
Owner:CARDLYTICS

Offer Placement System and Methods for Targeted Marketing Offer Delivery System

A system and methods for an offer placement system for delivering targeted marketing offers to consumers during a session with an online (web-based) Internet portal, such as an online banking portal of a financial institution. A component receives advertising campaign data from an advertiser including a plurality of targeted marketing offers for delivery to consumers in response to a particular condition (e.g. an offer-triggering event), and stores the campaign data in a database. A component determines the occurrence of an offer-triggering event caused by a consumer during an online session with the online portal, for example, viewing a list of banking transactions. A component identifies a predetermined targeted marketing offer stored in the database that corresponds to the offer-triggering event. A component delivers information corresponding to the targeted marketing offer to the consumer during the online session with the portal.
Owner:CARDLYTICS

Kiosk and Method for Vending Stored Value Cards

A kiosk machine vends stored value cards (i.e., pre-paid and gift cards). The kiosk is self-service and will allow a user to select, purchase and pay for a stored value card without requiring the presence or assistance of a sales clerk. The kiosk can vend one or more cards in a single transaction. The kiosk is a computer-based vending machine having a touch-sensitive video screen and a card reader. The touch screen provides a user interface for a user to receive information and provide input selections. The card reader can be used to read a transaction card (e.g., an American Express card or credit card) to facilitate payment for the stored value card(s) being purchased. The vending method comprises: providing a kiosk having a user interface; receiving, via the user interface, a request to purchase a stored value card, receiving payment for the purchase; determining a card number associated with a selected card; activating the selected card to produce an activated stored value card in the card denomination; and dispensing the activated stored value card. A user purchasing a stored value card can select a type of stored value card, wherein the type is selected from the group consisting of an open card and a closed card. The closed card can be of the type usable only in a shopping center where the kiosk is physically located. The user can further select a card denomination. The method further allows a user to check a card balance for a stored value card.
Owner:LIBERTY PEAK VENTURES LLC

System and Methods for Merging or Injecting Targeting Marketing Offers with a Transaction Display of an Online Portal

A system and methods for displaying a selected advertisement on a web page merged (injected) into a list of transactions provided by an online (Internet) banking portal of a financial institution, independently of a computer system that provides the list. A consumer's browser receives an account history page comprising a list of transactions from the portal. The list is processed locally at the consumer's machine to generate a list of currently-displayed transactions, which are then transmitted to an offer placement system. The offer placement system accesses a database of potential advertisements to identify a selected advertisement corresponding to an advertisement selection criterion. The selected advertisement is then transmitted to the consumer's machine. The consumer's machine merges (injects) the selected advertisement in the web browser with the transactions list in accordance with predetermined advertisement placement information. The injection is effected by a script such as Javascript loaded from an associated script server.
Owner:CARDLYTICS

Electronic payment transaction system

A method of pre-staging a financial transaction includes sending payment information entered using a device at a user location, via an electronic communication channel, for pre-staging the financial transaction. The method includes receiving a pre-staged transaction receipt corresponding to the financial transaction from an intermediary entity implemented on at least one processor. The method also includes manually tendering a payment amount, the payment amount corresponding to the payment information and the pre-staged transaction receipt, at a retail location. The method also includes paying a payee the payment amount, the payee being specified in the payment information, based on matching a transaction request from the retail location with the pre-staged financial transaction.
Owner:GLOBAL EXPRESS MONEY ORDERS

Electronic payment system based on cloud data processing technology

Disclosed is an electronic payment system based on a cloud data processing technology. The electronic payment system based on the cloud data processing technology comprises terminal equipment, a cloud server, a payment server and a bank server. The terminal equipment is suitable for sending payment confirming information to the cloud server, wherein the payment confirming information carries order form information, a payment account of the user, verifying information of the user and identification data of the terminal equipment; the cloud server is suitable for verifying the order form information, and submitting payment requests to the payment server after verification is passed through, wherein the payment requests at least carry payment amount, payment objects, a dealing number associated with the order form information, the payment account, the verifying information and the identification data of the terminal equipment; and the payment server is suitable for acquiring a bank account corresponding to the payment account based on the binding relations between the stored payment account and the bank account and the identification data of the terminal equipment, and finishing payment through the bank account and the bank server after the verifying information is verified and passed through. The technical scheme is that the electronic payment system based on the cloud data processing technology can ensure safety of electronic payment and convenience of the electronic payment.
Owner:SHANGHAI PATEO ELECTRONIC EQUIPMENT MANUFACTURING CO LTD

Private label purchase card acceptance systems and methods

A method of processing a purchase card transaction includes receiving a transaction request at a host computer system from a point-of-sale device of a first merchant. The transaction request comprises transaction details relating to a purchase from the first merchant using a private label purchase card relating to a second merchant and an issuer. The first merchant and the second merchant are different merchants. The transaction details comprise at least an identifier relating to the first merchant, an amount, and an account identifier relating to the private label purchase card. The method further includes evaluating at least a portion of the account identifier, recognizing that the account identifier relates to the issuer, routing at least a portion of the transaction request to the issuer, and facilitating a payment from the issuer to the first merchant.
Owner:FIRST DATA

System and method for customer initiated payment transaction using customer's mobile device and card

A system for a customer initiated payment transaction includes a mobile device of a customer, a merchant including merchant information and payment information, a multi-payment gateway, and a network. The mobile device includes a digital wallet, on which a customer may register one or more of a plurality of payment methods. Payment methods include credit card, debit card, virtual cards, cryptocurrency, and loyalty points.
Owner:KANG SOO HYANG

System and method for management of health care services

The present invention is a system and method for management of consumer services such as health care services which combines new financial structure for health insurance and health benefit plan, payment methods, health plan design, benefit development algorithms, unique procurement methods for health care benefits with and without application to an individual consumer's personal state of health, and is integrated with financial services and asset management products, and benefits for an individual consumer's future medical and / or retirement savings, for healthcare needs. The method and system employs a combination of the defined benefit and defined contribution approaches which combination is referred to herein as “defined-care.” Defined-care model or the healthcare asset management model has two primary components, one which is referred to herein as a “health management and retirement account”, and the other of which is an infrastructure “connected portal” that interfaces through a technology platform with the health management and retirement accounts and the account holders. The foundation of this infrastructure according to the present invention is a technology platform across which a variety of processes are implemented. In the technology platform for the infrastructure of the present invention, the conventional processes and the new processes are integrated, thereby allowing a change to one process to be adopted by or otherwise accommodated by the other processes.
Owner:CANOPY ACQUISITION

Novel offline payment method

The invention discloses a novel offline payment method. The method comprises the steps that account numbers of an accountee party and a receiving party serve as IDs, and a corresponding public key and private key are mapped according to business sub-domain identifications; a random number is selected from the receiving party, signature is conducted on the random number through the private key, and a two-dimension code is generated; the two-dimension code is scanned through the accountee party, the public key is mapped by means of the receiving party ID and the service sub-domain identification, and attestation is conducted on a signing message; if attestation succeeds, the accountee party successfully pays according to transaction information; signature is conducted on the random number by the accountee party through the private key after payment to generate a two-dimension code; the receiving party scans the two-dimension code, the public key is mapped through the accountee party ID and the business sub-domain identification, and attestation is conducted on a signing message; if attestation succeeds, posting is successfully conducted on the receiving party. According to the novel offline payment method, payment does not rely on the support of a network any more, payment is achieved on various mobile equipment, and the payment process is greatly facilitated. The two-way authentication process based on the identifications is adopted by the two payment parties, the legality of transactions is fully guaranteed, and illegal manipulation of information and information disguising are prevented.
Owner:CHINA SMARTCITY TECH
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