Abstract: A method and apparatus for authenticating a transaction between remote systems are described. The method can include authenticating, by a first computer server, a mobile user associated with a mobile device, and transmitting, by the first computer server to the mobile device in response to the authentication, a one-use authorization code in connection with the transaction, the transaction between the mobile user and a second server computer. The method can further include receiving, by the first computer server, the one-use authorization code from the second computer server in connection with one or more transaction parameters, and verifying, by the first server computer, a validity of the one-use authorization code and the one or more transaction parameters. Furthermore, the method can include in response to a successful verification, transmitting, by the first computer server, an authorization of the transaction to the second computer server.

Abstract: A system and method for distributing incentives via mobile devices is described. One embodiment, a computer-server-based method, receives a request from a merchant to generate an incentive which incentive is funded and initiated by the merchant, receives the incentive, associates the incentive with a recipient's phone number, and transmits a notification of the incentive to a mobile device associated with the recipient's phone number, the computer server acting as a server-side wallet for the incentive, the incentive being usable, through interaction with the computer server, by the recipient for the purchase of goods or services from the merchant associated with the incentive.

Abstract: Methods and systems for sending marketing messages to mobile-device users from a mobile-commerce platform are described. In various illustrative embodiments, a marketing message is transmitted to a mobile-device user before, during, or after a transaction between the mobile-device user's mobile device and the mobile-commerce platform. The marketing message can be generated and timed based on rules input to the mobile-commerce platform by a merchant and can be based on historical transaction data associated with the mobile-device user, transaction parameters associated with a current or a most-recently-completed transaction involving the mobile-device user, a transaction type of a current or a most-recently-completed transaction involving the mobile-device user, or a combination thereof, depending on the particular embodiment.

Abstract: A system and method for distributing incentives via mobile devices is described. One embodiment, a computer-server-based method, receives a request from a merchant to generate an incentive which incentive is funded and initiated by the merchant, receives the incentive, associates the incentive with a recipient's phone number, and transmits a notification of the incentive to a mobile device associated with the recipient's phone number, the computer server acting as a server-side wallet for the incentive, the incentive being usable, through interaction with the computer server, by the recipient for the purchase of goods or services from the merchant associated with the incentive.

Abstract: Methods and systems for sending marketing messages to mobile-device users from a mobile-commerce platform are described. In various illustrative embodiments, a marketing message is transmitted to a mobile-device user before, during, or after a transaction between the mobile-device user's mobile device and the mobile-commerce platform.

Abstract: A system and method for distributing incentives via mobile devices is described. One embodiment, a computer-server-based method, receives a request from a merchant to generate an incentive which incentive is funded and initiated by the merchant, receives the incentive, associates the incentive with a recipient's phone number, and transmits a notification of the incentive to a mobile device associated with the recipient's phone number, the computer server acting as a server-side wallet for the incentive, the incentive being usable, through interaction with the computer server, by the recipient for the purchase of goods or services from the merchant associated with the incentive.

Abstract: A method and system for routing transactions to a mobile-commerce platform is described.

Abstract: A system and method for re-distributing and transferring mobile gift cards is described. One embodiment, a computer-server-based method, receives a selection of a particular mobile gift card belonging to the first user; receives a request to transfer a specified monetary amount from a balance of the particular mobile gift card to a second user; receives a phone number of the second user; associates, with the second user's phone number, a separate mobile gift card having an associated balance equal to the specified monetary amount; and transmits a notification of the separate mobile gift card to a mobile device associated with the second user's phone number; the computer server acting as a server-side wallet for the separate mobile gift card, and the separate mobile gift card being usable, through interaction with the computer server, by the second user for the purchase of goods from the particular merchant.

Abstract: A system and method for distributing mobile gift cards is described. One embodiment, a computer-server-based method, receives a selection of a merchant with which to associate a mobile gift card, receives an indication of a monetary amount for the mobile gift card, receives an electronic payment for the monetary amount, applies the monetary amount to the mobile gift card, associates the mobile gift card with a recipient's phone number, and transmits a notification of the mobile gift card to a mobile device associated with the recipient's phone number, the computer server acting as a server-side wallet for the mobile gift card, the mobile gift card being usable, through interaction with the computer server, by the recipient for the purchase of goods from the merchant associated with the mobile gift card.

Abstract: A method and system for merging mobile gift cards is described. One embodiment transmits to a mobile device associated with a user a list of a plurality of mobile gift cards associated with a particular merchant that belong to the user, receives from the user via the mobile device a selection of a particular mobile gift card, receives from the user via the mobile device a selection of one or more other mobile gift cards associated with the particular merchant to be merged with the particular mobile gift card, and moves to the particular mobile gift card the remaining monetary balance of each of the other mobile gift cards selected by the user. In some embodiments, the merging operation is automated in the mobile-commerce platform.

Abstract: Methods and systems for sending marketing messages to mobile-device users from a mobile-commerce platform are described. In various illustrative embodiments, a marketing message is transmitted to a mobile-device user before, during, or after a transaction between the mobile-device user's mobile device and the mobile-commerce platform. The marketing message can be generated and timed based on rules input to the mobile-commerce platform by a merchant and can be based on historical transaction data associated with the mobile-device user, transaction parameters associated with a current or a most-recently-completed transaction involving the mobile-device user, a transaction type of a current or a most-recently-completed transaction involving the mobile-device user, or a combination thereof, depending on the particular embodiment.

Abstract: A method and system for routing transactions to a mobile-commerce platform is described.

Abstract: Apparatuses and methods for a virtual point of sale terminal and an electronic wallet are described. One embodiment is a virtual point of sale terminal for initiating and accepting a wireless electronic payment, comprising a mobile communication device configured to communicate with a payment gateway system and a point of sale processing application installed in the mobile communications device, the point of sale processing application being configured to wirelessly transmit a request for payment of a transaction to the payment gateway system and to wirelessly receive an approval code for payment of the transaction from the payment gateway system.

Abstract: A method and system for verifying an identification of a person is described. One embodiment receives an identification verification request from a customer, the identification verification request being submitted from a mobile communication device associated with the customer; authenticates the identification verification request; transmits an identification authorization code to the mobile communication device, which is in turn communicated to a requesting entity; receives an identification authorization request from the requesting entity, the identification authorization request being submitted from a virtual terminal associated with the requesting entity, the virtual terminal being a wireless communication device having a point of sale processing application installed therein; authenticates the identification authorization request; and transmits at least one identification credential associated with the customer to the requesting entity's virtual terminal.

Abstract: A method and system for merging mobile gift cards is described. One embodiment transmits to a mobile device associated with a user a list of a plurality of mobile gift cards associated with a particular merchant that belong to the user, receives from the user via the mobile device a selection of a particular mobile gift card, receives from the user via the mobile device a selection of one or more other mobile gift cards associated with the particular merchant to be merged with the particular mobile gift card, and moves to the particular mobile gift card the remaining monetary balance of each of the other mobile gift cards selected by the user. In some embodiments, the merging operation is automated in the mobile-commerce platform.

Abstract: Methods and systems for sending marketing messages to mobile-device users from a mobile-commerce platform are described. In various illustrative embodiments, a marketing message is transmitted to a mobile-device user before, during, or after a transaction between the mobile-device user's mobile device and the mobile-commerce platform. The marketing message can be generated and timed based on rules input to the mobile-commerce platform by a merchant and can be based on historical transaction data associated with the mobile-device user, transaction parameters associated with a current or a most-recently-completed transaction involving the mobile-device user, a transaction type of a current or a most-recently-completed transaction involving the mobile-device user, or a combination thereof, depending on the particular embodiment.

Abstract: A system and method for re-distributing and transferring mobile gift cards is described. One embodiment, a computer-server-based method, receives a selection of a particular mobile gift card belonging to the first user; receives a request to transfer a specified monetary amount from a balance of the particular mobile gift card to a second user; receives a phone number of the second user; associates, with the second user's phone number, a separate mobile gift card having an associated balance equal to the specified monetary amount; and transmits a notification of the separate mobile gift card to a mobile device associated with the second user's phone number; the computer server acting as a server-side wallet for the separate mobile gift card, and the separate mobile gift card being usable, through interaction with the computer server, by the second user for the purchase of goods from the particular merchant.

Abstract: A system and method for distributing mobile gift cards is described. One embodiment, a computer-server-based method, receives a selection of a merchant with which to associate a mobile gift card, receives an indication of a monetary amount for the mobile gift card, receives an electronic payment for the monetary amount, applies the monetary amount to the mobile gift card, associates the mobile gift card with a recipient's phone number, and transmits a notification of the mobile gift card to a mobile device associated with the recipient's phone number, the computer server acting as a server-side wallet for the mobile gift card, the mobile gift card being usable, through interaction with the computer server, by the recipient for the purchase of goods from the merchant associated with the mobile gift card.

Abstract: A system and method for processing a wireless electronic payment transaction is described.

Abstract: A faceplate according to the present invention is shown for covering an opening in a metal electrical equipment frame, such as a network router, which is inexpensive to produce and easy to install and remove. The faceplate is constructed of conductive metal having sufficient temper to obtain spring characteristics from components of the faceplate. A bracing tongue is formed in a first flange on one edge of the faceplate and is structured to engage an edge of the opening in the equipment frame between the bracing tongue and the first flange. A cantilever beam is formed in a second flange on an opposing edge of the faceplate. The cantilever beam is constructed to flex from a bias position upon pressure due to contact against another edge of the opening in the equipment frame.