Worldpay Limited

Unwired Planet, LLC

William Thomas Cooper

Matthew D Ozvat

Kevin Oliver

John Berkley

Charles E Watts

Rachel B Cochran

Utpal Thakrar

Peter Hartmaier

Kumar Thangamuthu

Cost altering payment services ('CAPS') system in association with a distributed enhanced payment (“DEP”) processing system includes a merchant point of sale (“POS”) terminal system and a remote enhanced payment management system (“EPMS”). The remote EPMS receives payment transactions including additional risk mitigating payment transaction (“RMPT”) information and based on that additional RMPT information provides altered transaction costs. The remote EPMS provides facilities for the merchant to review and revise payment management services so as to utilize additional RMPT information received from the merchant POS terminal system so as to alter transaction costs. Such facilities provide information to determine the relative potential transaction cost benefits of various payment management service sets utilizing cost profiles that represent the costs of archival, recorded and projected future transactions. The remote EPMS provides “transaction guidance” technology to be utilized by the merchant's POS terminal system to facilitate prompting for and acquiring additional RMPT information.

Systems and methods for cost altering payment services

An expedited automated merchant boarding system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote enhanced payment management system (EPMS). The remote EPMS pre-boards anticipated POS terminal system components and records pre-boarding results information. The POS terminal system initiates merchant boarding by transmitting merchant account information. The remote EPMS receives merchant account information and establishes a merchant account. The POS terminal system utilizes protocol transactions including auto-boarding information to initiate auto-boarding with the remote EPMS. The remote EPMS auto-boards the POS terminal system utilizing received auto-boarding information and recorded pre-boarding results. The remote EPMS turns up selected payment management services for the merchant POS terminal system. The POS terminal system utilizes payment transactions to conduct validation of successful interoperation with the remote EPMS. The remote EPMS enables utilization of selected payment management services by the POS terminal system.

Systems and methods for expedited automated merchant boarding

Cost altering payment services ('CAPS') system in association with a distributed enhanced payment ('DEP') processing system includes a merchant point of sale (&#x201c;POS&#x201d;) terminal system and a remote enhanced payment management system (&#x201c;EPMS&#x201d;). The remote EPMS receives payment transactions including additional risk mitigating payment transaction (&#x201c;RMPT&#x201d;) information and based on that additional RMPT information provides altered transaction costs. The remote EPMS provides facilities for the merchant to review and revise payment management services so as to utilize additional RMPT information received from the merchant POS terminal system so as to alter transaction costs. Such facilities provide information to determine the relative potential transaction cost benefits of various payment management service sets utilizing cost profiles that represent the costs of archival, recorded and projected future transactions. The remote EPMS provides &#x201c;transaction guidance&#x201d; technology to be utilized by the merchant's POS terminal system to facilitate prompting for and acquiring additional RMPT information.

A system and method for providing location information for communications through an access network in accordance with embodiments of the invention are disclosed. The system and method involve receiving a communication including a message from an origination device. The communication includes access point information and the message includes an identifier of the communication. The access point information from the communication is extracted and the access point information or geographic data based on the access point information is stored in a database. The message including the identifier is sent to a destination device of the message. The storing of the access point information or the geographic data in the database enables the destination device to obtain the access point information or the geographic data using the identifier included in the message by querying the database.

System and method for providing location information for communications through an access network

A system and method for predicting future locations of mobile communication devices utilizes connection-related data from a mobile access network supporting the mobile communication devices to determine latest locations of the mobile communication devices, which are used to predict the future locations of the mobile communication devices. In addition to the determined locations of the mobile communication devices, carrier-provided location predictive indicators and/or non-carrier location predictive indicators may be used to improve the accuracy of the predicted future locations.

System and method for predicting future locations of mobile communication devices using connection-related data of a mobile access network

A communication network includes a wireless network, a location platform, and a network component. The wireless network includes a base station to send data to and receive data from a mobile station via radio frequency communication signals. The location platform is operably coupled to the wireless network. In one embodiment, the location platform computes a velocity of the mobile station in response to a velocity request. The network component is operably coupled between the wireless network and the location platform. In one embodiment, the network component compares the computed velocity of the mobile station with a velocity threshold in response to an attempted communication involving the mobile station. The network component also implements a restrictive action for the attempted communication involving the mobile station in response to a determination that the computed velocity exceeds the velocity threshold.

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Henderson, CO, United States of America

William Thomas Cooper