In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler and to store mapping data between first user identifiers and first account identifiers, a profile generator to generate a profile of a user based on the transaction data, and a portal coupled to the transaction handler to receive a query identifying a second user identifier used by the first tracker to track online activities of a user. The system is to identify a second account identifier of the user from the second user identifier based on the mapping data between the first user identifiers and the first account identifiers to facilitate targeted advertising using the profile of the user and/or to provide information about certain transactions of the user related to a previously presented advertisement.

Systems and methods to match identifiers

Methods, systems, and computer program products for over the air provisioning of soft cards on devices with wireless communications capabilities are disclosed. According to one method, a soft card provisioning application is instantiated on a device with wireless communications capabilities. A card number for a soft card desired to be provisioned on the device is obtained from a user of the device. The card number is communicated to a provisioning configuration server over an air interface. Card-issuer-specific challenges corresponding to the card number and a provisioning issuer server network address are obtained from the provisioning configuration server. The challenges are presented to the user, and the user's responses to the challenges are received. A connection is made to the provisioning issuer server corresponding to the network address. The challenge responses are communicated to the provisioning issuer server. Soft card personalization data for activating the soft card is received from the provisioning issuer server. The soft card is provisioned for use on the device based on the personalization data.

Methods, systems, and computer readable media for over the air (ota) provisioning of soft cards on devices with wireless communications capabilities

Methods and apparatus, including computer program products, for social networking services integrated with gift card services. In general, a profile of a member of a social networking service may be presented with one or more merchant credit services for prepaid merchant account credit, data characterizing a request to provide a credit service from the merchant credit services and a mobile phone number associated with an intended recipient of the first credit service may be received, and a message may be caused to be sent to the mobile phone number, where the message characterizes provision of the first credit service to the intended recipient. Interest in the credit service may be tracked and associated with a loyalty indicator associated with the member.

Integration Of Gift Card Services For Mobile Devices And Social Networking Services

In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.

Systems and methods to deliver targeted advertisements to audience

Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction may be received, where the data is user-generated input and is received at a mobile phone associated with a mobile phone number. Wireless transmission of data characterizing a request to provide a payment card settlement service of a merchant account of a merchant account provider for the transaction may be initiated, where the wireless transmission is to be from the mobile phone over a carrier data network to an application server. Data characterizing authorization of settlement of the transaction with the payment card may be wirelessly received by the mobile phone from the application server.

Payment card terminal for mobile phones

PURPOSE: A system and a method for offering a coupon using the customer transaction information are provided to extract the coupon to provide to a client according to the transaction information, and store the extracted coupon in a client area or provide the extracted coupon to the client by confirming the transaction information received to a PTD(Personal Trusted Device) from a coupon providing server. CONSTITUTION: The PTD(135) is equipped with an infrared settlement interface. A settlement processing terminal(140) transmits the settlement information to the PTD. The coupon providing server(100) receives the transaction information from the PTD and provides the coupon related to the transaction information to the customer. The coupon providing server comprises a transaction particulars receiver(105), a transaction particulars confirmer(110), a coupon extractor(115), a coupon provider(120), a coupon information database(125), and a coupon storing database(130).

System and Method for Providing Coupon by Using Client's Transaction Information

PURPOSE: A method and system for operating a coupon capable of linking individual information using an IC(Integrated Card) card is provided to record information of the coupon in an IC card using a card reader in a client system by creating the coupon capable of linking the individual information in accordance with a request of a client and transmitting the created coupon to the client system, and to authenticate the coupon through a VAN(Value Added Network) by recognizing the IC card in a POS(Point Of Sale). CONSTITUTION: A coupon operating system(100) creates and issues a coupon in accordance with a request of a client, is mounted in a client system, and supplies an application program for executing an information communication with an IC card. A coupon creation module(205) extracts information with respect to a coupon selected by a request of a client and creates the coupon capable of linking the individual information. A coupon transmission module(210) transmits the coupon to the client system. An application program distribution module(215) supplies and updates the application program to the client system. An authentication checking module(220) checks an authentication with respect to a credit card function included in the IC card and coupon information. A payment processing module(225) executes a payment process in accordance with a use of the IC card including the coupon. A subscriber database(230) stores information of a card issued to the client. A coupon database(235) matches information with respect to the coupon requested and created by the client system with subscriber information of a client and stores the information.

System and Method for Operating Coupons Connected Personal Information by Using IC Card

A system for providing an instant coupon is provided to enable a client to purchase a commodity or use a service at a discounted price via a coupon processed in association with information on a card when the client repurchases the commodity or reuses the service. A system for providing an instant coupon comprises a server(100) and a storage medium. The server(100) checks information on a payment tool of a customer and information on a purchased commodity or a used service provided by a payment terminal(135) and generates or extracts a coupon matched with the purchased commodity or the used service. The storage medium associates the information on the coupon, extracted or generated by the server(100), with the information on the payment tool and stores the associated information. The server checks the coupon matched with the commodity or the service prestored at the storage medium and provides the checked coupon for the customer when the customer repurchases the commodity or reuses the service.

System for providing instant coupons

PURPOSE: A method for generating an approval message mixing settlement information and discount information, and a method and a system for processing a discount coupon approval using the same are provided to extract a discount coupon of a client from a certification server, and process the discount coupon as one message mixing the discount coupon approval and a credit card transaction approval. CONSTITUTION: A settlement terminal(100) provides the information to the certification server(105) by reading the credit card number information of the client, obtains the discount coupon information from the certification server, generates a mixed approval request message including the credit card transaction particulars and the approval request for the discount coupon, and transmits the message to a settlement process relay server(115). The certification server stores the discount coupon information of the client, transmits the discount coupon information to the settlement terminal, and processes the discount coupon approval request included in the mixed message by linking with the settlement process relay server.

Method for generating mixed admission message with settlement and discount information and mehtod and system for processing admission discount coupon(affiliated reserve point) by it

PURPOSE: A method and a system for managing expense particulars using a smart card are provided to offer the classified expense particulars of a client to a client terminal from an expense particulars management server by confirming the transaction information received from the smart card and classifying/storing the transaction information in a database. CONSTITUTION: The smart card(135) performs financial settlement and includes a data storage. A settlement processing terminal(140) provides the settled transaction information to the smart card. The expense particulars management server(100) provides an expense management service to the client by receiving the transaction information stored in the smart card from the client, and storing the data matched with the transaction information and the personal information of the client.

Yoon Jong Min

Papers

System and Method for Providing Coupon by Using Client's Transaction Information

System and Method for Operating Coupons Connected Personal Information by Using IC Card

System for providing instant coupons

Method for generating mixed admission message with settlement and discount information and mehtod and system for processing admission discount coupon(affiliated reserve point) by it

System and Method for Management a Record of Expenditure by Using Smart CardIC Card