First Data Corporation

Sunil Dewan

Steven E Arthur

Christopher L Toomer

Daniel Skowronek

John Cawthorne

Douglas Byerley

Wendy Humphrey

Daniel J Oswald

Scott J Smith

Fred C Casto

Corey Dean Tunink

Brian T Kean

Timothy J Walpus

Jon Andrew Gates

Mark Tonack

Jay E Greene, Iii

Jeff Nowlin

Dan Skowronek

Stuart Kiefer

John E Christensen

Kevin Knowles

Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices to redeem and report use of various marketing offers such as coupons. According to one embodiment, redeeming and reporting a marketing offer can comprise transmitting information related to the marketing offer from a mobile wallet of the mobile device to a target device. A redemption message can be received at the mobile wallet of the mobile device from the target device. The redemption message can indicate acceptance of the marketing offer. At least a portion of the redemption message can be sent from the mobile wallet of the mobile device to a service provider system providing communication services to the mobile device. Sending the redemption message from the mobile wallet of the mobile device to the service provider system can be performed via a wireless communications network such as a cellular network.

Mobile communication systems and methods for redeeming and reporting coupons

Embodiments of the present disclosure provide systems and methods for increasing participation in loyalty programs. In embodiments, the customer opts into a loyalty program. The customer is then provided with information about his or her loyalty participation and also is provided with information about one or more other customer's participation in the loyalty program. In another embodiment, one or more loyalty members can form their own competition or group within the loyalty program. The members can create loyalty sub-program rules for a competition and allow fellow loyalty members to participate in the competition. The customizable loyalty sub-program competitions further enhance member participation.

Customer loyalty program with shared data and sub-programs

A contactless device comprises circuitry storing information, a switch having a first position and a second position, and a fusible link. When the fusible link is intact, wireless reading and writing of the information is enabled regardless of the position of the switch. When the fusible link has been parted, wireless reading of the information is enabled when the switch is in the first position, and wireless reading of the information is disabled when the switch is in the second position. The contactless device may be placed in a non-responsive state, and transformed to a responsive state by parting a second fusible link, or by transmitting an authenticating code to the device. The contactless device may be a card, or some other kind of device.

Manufacturing system to produce contactless devices with switches

A translator for translating wireless communications. The translator includes a first antenna configured to carry signals between the wireless translator and a contactless payment reader, and a second antenna configured to carry signals between the wireless translator and a Bluetooth-enabled device. Circuitry operably coupled to both antennas establishes wireless communication with the contactless payment reader via the first antenna and receives from the contactless payment reader a signal comprising a request for information. The circuitry establishes wireless communication with the Bluetooth-enabled device via the second antenna, and requests the information from the Bluetooth-enabled device. The circuitry receives the information from the Bluetooth-enabled device, and relays the information to the contactless payment reader.

Wireless translation device

Methods and systems are provided for preparing radio-frequency devices for secure distribution. Multiple such radio-frequency devices are received. Each device has an embedded radio-frequency transponder. Each radio-frequency devices is moved sequentially to stations of a preparation device. At a first station, a radio-frequency identification code assigned to the radio-frequency device is encoded to personalize the radio-frequency device with recipient-specific radio-frequency identification data. At a second station, the radio-frequency devices is packaged within a package such that the radio-frequency device within the package is electromagnetically shielded at radio frequencies.

Secure RFID packaging

A payment instrument in the form of a cell phone is loaded with account information and activated as a payment instrument by reading account information from a nearby RFID device, and entering a user PIN or password. In one embodiment, the account information is read from an RFID tag provided to the user, and the password is entered on the phone keypad. In a second embodiment, the account information is read from an RFID device at an ATM or kiosk after the user inserts a card into a card reader at the ATM or kiosk and enters the password at the ATM or kiosk keypad.

System and method for activating telephone-based payment instrument

An apparatus for contactless transactions is disclosed. In one embodiment, a transaction fob assembly includes a standardized fob core and an outer shell adapted to secure the core within the outer shell. Various embodiments provide for the fob core to include circuitry, an antenna, a battery, a switch and a LED.

Interchangeable fob casing for RF core

RF devices used in financial and other transactions are moved sequentially to stations of a preparation device that prepares the RF devices for delivery to customers. At one station, an RF reader reads an identification code from the RF device and a label reader reads information on a mailing label. The read information is used to verify the mailing information to assure that the RF device is being delivered to the correct recipient.

Growing community of inventors

Omaha, NE, United States of America

Sunil Dewan