公开(公告)号：US20090215394A1

公开(公告)日：2009-08-27

申请号：US12037826

申请日：2008-02-26

Applicant: Sunil Dewan

Inventor： Sunil Dewan

IPC: H04B7/00 ,  G06Q20/00

CPC classification number: H04W4/18 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/327 ,  G06Q20/352 ,  G06Q20/353 ,  H04W84/18

Abstract: 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.

Abstract translation: 用于翻译无线通信的翻译器。 翻译器包括被配置为在无线翻译器和非接触式支付读取器之间传送信号的第一天线，以及被配置为在无线翻译器和支持蓝牙的设备之间传送信号的第二天线。 可操作地耦合到两个天线的电路经由第一天线建立与非接触支付读取器的无线通信，并且从非接触支付读取器接收包括信息请求的信号。 该电路通过第二天线与启用蓝牙的设备建立无线通信，并从蓝牙设备请求信息。 电路接收来自支持蓝牙的设备的信息，并将信息中继到非接触式支付读取器。

公开(公告)号：US07580857B2

公开(公告)日：2009-08-25

申请号：US10825971

申请日：2004-04-16

Applicant: Steven L. VanFleet ,  Blake Benton ,  Matthew T. Byrne ,  Timothy Horton ,  John J. Mascavage, III ,  Cassandra J. Mollett ,  Susan M. Nelson ,  SuZanne Rogers ,  Rhonda D. Sargent ,  Martin Stivers ,  Gary J. Trainor ,  Margaret Weichert ,  Diane Wing

Inventor： Steven L. VanFleet ,  Blake Benton ,  Matthew T. Byrne ,  Timothy Horton ,  John J. Mascavage, III ,  Cassandra J. Mollett ,  Susan M. Nelson ,  SuZanne Rogers ,  Rhonda D. Sargent ,  Martin Stivers ,  Gary J. Trainor ,  Margaret Weichert ,  Diane Wing

IPC: G06F17/60

CPC classification number: G06Q20/04 ,  G06Q20/12 ,  G06Q20/3674 ,  G06Q30/0242 ,  G06Q30/06 ,  H04L63/083

Abstract: Methods and systems coordinate an Internet-based financial transaction between an Internet merchant and a customer. A first information packet is received with a payment network from the Internet merchant. The first information packet has a credential assigned to the customer and transaction information specifying at least a cost of the Internet-based financial transaction. With the payment network, account information is determined that identifies a financial account maintained by the customer at a financial institution and authorization information that allows debit access to the identified financial account. A second information packet that includes the transaction information, the account information, and the authorization information is generated with the payment network. The second information packet is transmitted with the payment network to the financial institution with a request to perform a debit transaction from the identified financial account for the specified cost of the Internet-based financial transaction.

Abstract translation: 方法和系统协调互联网商家和客户之间的基于互联网的金融交易。 从互联网商家接收具有支付网络的第一信息包。 第一信息包具有分配给客户的凭证和指定至少基于因特网的金融交易的成本的交易信息。 通过支付网络，确定帐户信息，其识别客户在金融机构维护的金融账户以及允许借记访问所识别的金融账户的授权信息。 通过支付网络生成包括交易信息，帐户信息和授权信息的第二信息包。 将第二信息包与支付网络一起发送到金融机构，请求从所识别的金融账户执行基于因特网的金融交易的指定成本的借记交易。

公开(公告)号：US20090210308A1

公开(公告)日：2009-08-20

申请号：US12031864

申请日：2008-02-15

Applicant: Christopher L. Toomer ,  Steven E. Arthur

Inventor： Christopher L. Toomer ,  Steven E. Arthur

IPC: G06Q20/00 ,  G07G1/14

CPC classification number: G06Q20/32 ,  G06Q20/20 ,  G06Q20/3223 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/40

Abstract: Methods, systems, and machine-readable media are disclosed for securely authorizing a financial transaction utilizing an electronic payment credential. According to one embodiment, a method of authorizing a financial transaction utilizing an electronic payment credential can comprise maintaining information identifying an account associated with the electronic payment credential. The information can also identify one or more electronic devices authorized to use the electronic payment credential. A request to authorize the transaction can be received. The request can include information identifying an electronic device presenting the payment credential. The transaction can be authorized based at least in part on the information identifying the account. Authorizing can comprise determining the electronic device presenting the payment credential is one of the electronic devices authorized to use the electronic payment credential.

Abstract translation: 公开了方法，系统和机器可读介质，以安全地授权使用电子支付凭证的金融交易。 根据一个实施例，使用电子支付凭证授权金融交易的方法可以包括维护识别与电子支付凭证相关联的帐户的信息。 该信息还可以识别被授权使用电子支付凭证的一个或多个电子设备。 可以接收授权交易的请求。 该请求可以包括识别呈现支付凭证的电子设备的信息。 该交易可以至少部分地基于识别帐户的信息来授权。 授权可以包括确定呈现支付凭证的电子设备是被授权使用电子支付凭证的电子设备之一。

公开(公告)号：US20090200371A1

公开(公告)日：2009-08-13

申请号：US12365697

申请日：2009-02-04

Applicant: Brian Kean ,  Christopher T. Cox

Inventor： Brian Kean ,  Christopher T. Cox

IPC: G07F19/00 ,  G06K5/00 ,  G06K19/067

CPC classification number: G07F7/0833 ,  G06F21/31 ,  G06F2221/2115 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/3674 ,  G06Q20/40 ,  G07F7/10 ,  H04L9/3228 ,  H04L2209/805

Abstract: A financial transaction card is provided according to various embodiments described herein. The financial transaction card includes a card body with at least a front surface and a back surface. The financial transaction card may also include a near field communications transponder and/or a magnetic stripe, as well as a digital display configured to display alphanumeric characters on the front surface of the card body. The financial transaction card may also include a processor that is communicatively coupled with the near field communications transponder or magnetic stripe and the digital display. The processor may be configured to calculate one-time passwords and communicate the one-time passwords to both the near filed communications transponder or magnetic stripe and the digital display.

Abstract translation: 根据本文所述的各种实施例提供金融交易卡。 金融交易卡包括具有至少前表面和后表面的卡体。 金融交易卡还可以包括近场通信应答器和/或磁条，以及被配置为在卡主体的前表面上显示字母数字字符的数字显示器。 金融交易卡还可以包括与近场通信应答器或磁条和数字显示器通信耦合的处理器。 处理器可以被配置为计算一次性密码并将一次性密码传达到近场通信应答器或磁条和数字显示器。

公开(公告)号：US07571140B2

公开(公告)日：2009-08-04

申请号：US10321275

申请日：2002-12-16

Applicant: Margaret M. Weichert ,  John J. Mascavage, III

Inventor： Margaret M. Weichert ,  John J. Mascavage, III

IPC: G06Q40/00

CPC classification number: G06Q30/06 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085

Abstract: According to the invention, a method for a payor paying a payee using a payment account is disclosed. In one step, information on a number of payment accounts is retrieved. The payment accounts comprise a first payment account and a second payment account. Selection of the first payment account is received. It is determined that the first payment account is inadequate in some respect to pay the payee. A second payment account is suggested to the payor. Which second payment account is suggested could come from the payor's and/or payee's preferences in various embodiments. The payee is paid with the second payment account.

Abstract translation: 根据本发明，公开了使用支付账户支付收款人的付款人的方法。 在一个步骤中，检索关于多个支付帐户的信息。 支付帐户包括第一支付帐户和第二支付帐户。 收到第一个付款帐户的选择。 确定第一笔付款帐户在某些方面不足以支付收款人。 向付款人建议支付第二个帐户。 在各种实施例中，建议哪个第二支付帐户可以来自付款人和/或收款人的偏好。 收款人支付第二笔付款帐户。

公开(公告)号：US07559479B2

公开(公告)日：2009-07-14

申请号：US11849766

申请日：2007-09-04

Applicant: Christopher McGee ,  Keith Newbrough ,  Kenneth Algiene

Inventor： Christopher McGee ,  Keith Newbrough ,  Kenneth Algiene

IPC: G06K7/00

CPC classification number: G06K19/04

Abstract: The present invention provides improved apparatus, methods, and systems for displaying and packaging financial presentation instruments, particularly stored value, gift, or other pre-paid debit cards. In one embodiment of the present invention, a method for displaying a financial presentation instrument with an integrated holder is provided. The method comprises providing a data card having an information storage medium and an aperture therethrough. The data card is then suspended from a display hook through the at least one aperture. Hence, the present invention advantageously allows for convenient displaying and easy access to the data card for activation at the time the card is purchased by a consumer. Further, the integrated holder on the data card decreases the operating costs and increases the efficiency for selling such debit cards as no additional materials, packaging, or carriers other than the data card itself are needed for the presentation and display of such debit cards.

Abstract translation: 本发明提供了用于显示和包装金融演示文书，特别是存储的价值，礼物或其他预付费借记卡的改进的装置，方法和系统。 在本发明的一个实施例中，提供了一种用于显示具有集成保持器的财务呈现工具的方法。 该方法包括提供具有信息存储介质和穿过其的孔径的数据卡。 数据卡然后通过至少一个孔悬挂在显示钩上。 因此，本发明有利地允许在消费者购买卡片时方便地显示和容易地访问数据卡以进行激活。 此外，数据卡上的集成持有人降低了操作成本，并且提高了销售这种借记卡的效率，因为不需要除了数据卡本身之外的额外的材料，包装或载体来呈现和显示这样的借记卡。

公开(公告)号：US07559461B2

公开(公告)日：2009-07-14

申请号：US11421839

申请日：2006-06-02

Applicant: Donald R. Crowell ,  Richard A. Sheeran ,  Bryan Anthony Warburton

Inventor： Donald R. Crowell ,  Richard A. Sheeran ,  Bryan Anthony Warburton

IPC: G06F17/60

CPC classification number: G07F19/202 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/204 ,  G07F19/20 ,  G07F19/203

Abstract: Various techniques are provided for dispensing cash from automated teller or similar cash dispensing machines where such machines do not contain or are otherwise unable to dispense coins or certain bill denominations. Such features may be offered in combination with a request to cash a negotiable instrument, such as a check, where some or all of the amount is to be received in cash or deposited into an account. In one particular method, an automated teller machine (ATM) includes a display screen, a data entry device, a receipt printer, a bill dispenser and a reader. According to the method, information is read from a negotiable instrument using the reader. A face amount of the negotiable instrument is received at the ATM from the data entry device. The display screen is employed to display a dispense amount in bills that the ATM is capable of dispensing along with a deposit account where the remaining funds may be deposited. The user may then enter a confirmation using the data entry device to dispense the bills and to deposit the remaining funds in the deposit account. The bill dispenser may dispense the bills, and an approval may be sent to deposit the funds into the deposit account.

Abstract translation: 提供各种技术用于从自动柜员机或类似的现金分发机器分配现金，其中这些机器不包含或者不能分配硬币或某些账单面额。 这些特征可以结合用于现金可转让票据（例如支票）的要求而提供，其中部分或全部金额将以现金或存入帐户中。 在一种特定方法中，自动柜员机（ATM）包括显示屏，数据输入装置，收据打印机，纸币分配器和读取器。 根据该方法，使用读取器从可转让仪器读取信息。 在ATM上从数据输入装置接收可转让票据的面值。 显示屏幕用于显示ATM能够分配的票据中的分配金额以及可以存入剩余资金的存款帐户。 然后，用户可以使用数据输入装置输入确认，以分发账单，并将剩余资金存入存款账户。 票据分配器可以分配账单，并且可以发送批准以将资金存入存款帐户。

公开(公告)号：US20090178120A1

公开(公告)日：2009-07-09

申请号：US11971060

申请日：2008-01-08

Applicant: Vijay K. Royyuru ,  Craig Conway ,  Jean M. Sindaco ,  Robert A. Freisheim, JR. ,  Daniel J. Ruppe

Inventor： Vijay K. Royyuru ,  Craig Conway ,  Jean M. Sindaco ,  Robert A. Freisheim, JR. ,  Daniel J. Ruppe

IPC: G06F21/00

CPC classification number: G06Q20/4014 ,  G06F21/31 ,  G06F2221/2103 ,  G06Q20/341 ,  G06Q20/40 ,  G07C9/00039 ,  G07F7/1008

Abstract: Systems and methods for authenticating an applicant. In one implementation, the applicant indicates to an acquirer an existing account for which the applicant wishes to be authenticated. The acquirer sends a message over an electronic funds transfer (EFT) network to an issuer of the account requesting a set of questions to ask the applicant. The issuer replies with a set of questions. The acquirer asks the applicant the questions, and forwards the applicant's answers to the issuer. The issuer compares the answers with known information relating to the account and decides, based on the comparison, whether the applicant is authenticated. The issuer then communicates its decision to the acquirer. Preferably, the messages and their associated replies are added to the set of messages handled by the EFT network, so that authentication may be handled in a standardized way without proliferating applicants' secret information.

Abstract translation: 用于认证申请人的系统和方法。 在一个实施中，申请人向收单方指示申请人希望认证的现有帐户。 收单方通过电子资金转帐（EFT）网络向客户的发行人发送一个信息，要求一组问题要求申请人。 发行人回答了一系列问题。 收单方向申请人提出问题，并将申请人的答复转发给发行人。 发行人将答案与与账户有关的已知信息进行比较，并根据比较确定申请人是否被认证。 然后，发行人将其决定通知收购方。 优选地，消息及其相关联的回复被添加到由EFT网络处理的消息集合中，使得可以以标准化的方式处理认证，而不会增加申请人的秘密信息。

公开(公告)号：US20090177552A1

公开(公告)日：2009-07-09

申请号：US12177792

申请日：2008-07-22

Applicant: Howard Caven ,  Matthew Peterson ,  Diane Blankstrom ,  David W. Smith

Inventor： Howard Caven ,  Matthew Peterson ,  Diane Blankstrom ,  David W. Smith

IPC: G06Q20/00 ,  G06Q50/00 ,  G06Q30/00

CPC classification number: G06Q20/4016 ,  G06Q20/042 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/28 ,  G06Q20/40

Abstract: A system and method for processing prepaid financial transactions. The system and method describe the utilization of one or more remote terminals that are adapted to acquire transaction information from a user and transmit a first signal indicative of the transaction information. The remote terminal is further adapted to receive a second signal indicative of authorizing information that is delivered to the user. In addition, an authorizing host is adapted to receive the first signal transmitted by the one or more remote terminals. In one aspect, the authorizing host routes the first signal including the transaction information to an exchange host for approval of the financial transaction, and the exchange host transmits the second signal including the authorizing information to the remote terminal via the authorizing host.

Abstract translation: 处理预付金融交易的系统和方法。 该系统和方法描述适用于从用户获取交易信息并发送指示交易信息的第一信号的一个或多个远程终端的利用。 远程终端还适于接收指示被传递给用户的授权信息的第二信号。 此外，授权主机适于接收由一个或多个远程终端发送的第一信号。 在一个方面，授权主机将包括交易信息的第一信号路由到交换主机以批准金融交易，并且交换主机经由授权主机向远程终端发送包括授权信息的第二信号。

公开(公告)号：US20090158029A1

公开(公告)日：2009-06-18

申请号：US12355712

申请日：2009-01-16

Applicant: Lynn Henry Wheeler ,  Anne M. Wheeler

Inventor： Lynn Henry Wheeler ,  Anne M. Wheeler

IPC: H04L9/00

CPC classification number: H04L63/0428 ,  G06F21/32 ,  G06F2221/2113 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/0855 ,  G06Q20/12 ,  G06Q20/341 ,  G06Q20/3558 ,  G06Q20/3674 ,  G06Q20/3676 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/3823 ,  G06Q20/3825 ,  G06Q20/3829 ,  G06Q20/385 ,  G06Q20/388 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/403 ,  G06Q20/40975 ,  G06Q50/188 ,  G07F7/0886 ,  G07F7/1008 ,  G07F7/1016 ,  H04L9/321 ,  H04L9/3247 ,  H04L63/0442 ,  H04L63/062 ,  H04L63/0823 ,  H04L63/083 ,  H04L63/12 ,  H04L2209/42 ,  H04L2209/56

Abstract: A method of manufacturing devices that generate digital signatures such that each device may be reliably and uniquely identified includes creating a public-private key pair within each device during manufacture; exporting only the public key from the device; retaining the private key within the device against the possibility of divulgement thereof by the device; and securely linking said exported public key with other information within the environment of the manufacture of the device, whereby each device is securely bound with its respective public key. A database of PuK-linked account information of users is maintained. The PuK-linked account information for each user includes a public key of such a device; information securely linked with the public key during manufacture; and third-party account identifiers, each of which identifies an account to a third-party of the user maintained with the third-party that has been associated with the user's public key by the third-party.

Abstract translation: 一种制造产生数字签名的设备的方法，使得每个设备可以被可靠地和唯一地标识，包括在制造期间在每个设备内创建公钥 - 私钥对; 仅从设备导出公钥; 将设备内的私钥保留在设备内部可能泄露的可能性; 并且将所述导出的公钥与设备的制造环境中的其他信息进行安全地链接，由此每个设备被其相应的公开密钥安全地绑定。 维护用户的PuK链接帐户信息的数据库。 每个用户的PuK链接的帐户信息包括这样的设备的公开密钥; 在制造过程中与公钥安全连接的信息; 和第三方帐户标识符，每个帐户标识符都标识一个账户，该帐户由与第三方相关联的第三方维护的用户的第三方标识。