发明名称 |
MOBILE SYSTEM AND METHOD FOR PAYMENTS AND NON-FINANCIAL TRANSACTIONS |
摘要 |
A method and system for mobile commerce, communication, and transaction processing to real-world POS, web, e-commerce, virtual terminal, mobile personal digital assistant, mobile phone, mobile device, or other computer based transactions involving either one or both financial and non-financial such as loyalty based transactions as a mobile payment system is described. One embodiment comprises using a mobile phone via a consumer mobile software application (CMA) in lieu of a consumer card (examples include physical, virtual, or chips) to conduct payment transactions in the Real or Virtual World of commerce. An embodiment is related to making payments to real-world stores via having the CMA on a mobile device on behalf of the consumer present to conduct transactions and no physical card required. |
申请公布号 |
WO2012012445(A3) |
申请公布日期 |
2014.03.20 |
申请号 |
WO2011US44557 |
申请日期 |
2011.07.19 |
申请人 |
UNIVERSAL COMMERCE, INC.;SMITH, RANDY;HORNBOSTEL, EARL, G.;VALENZUELA, STEVE;YOUNG, RYAN |
发明人 |
SMITH, RANDY;HORNBOSTEL, EARL, G.;VALENZUELA, STEVE;YOUNG, RYAN |
分类号 |
G06Q40/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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主权项 |
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