公开(公告)号：US20080235122A1

公开(公告)日：2008-09-25

申请号：US11689602

申请日：2007-03-22

Applicant: Felix Weitzman

Inventor： Felix Weitzman

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q40/00

Abstract: Stored value instruments and tools for their use and/or administration are disclosed. In an aspect, a stored value instrument is associated with a subaccount that has access to a portion of an amount stored value in a master account. There may be many such subaccounts associated with a master account, and each subaccount may have its own associated stored value instrument. Beneficially, this arrangement can allow a master account holder to assign a specific portion of the stored value in the master account for the use of each of the stored value instruments, while still maintaining the ability to administer the master account.

Abstract translation: 披露了用于其使用和/或管理的存储价值工具和工具。 在一方面，存储价值工具与可以访问主账户中的存储值的一部分的子帐户相关联。 可能存在与主帐户相关联的许多这样的子帐户，并且每个子帐户可以具有其自己的相关联的存储值工具。 有利的是，这种安排可以允许主账户持有者在主账户中分配存储值的特定部分以使用每个存储价值工具，同时仍然保持管理主账户的能力。

公开(公告)号：US07419094B2

公开(公告)日：2008-09-02

申请号：US10972149

申请日：2004-10-22

Applicant: Michael B. Grear ,  Thomas M. Miller

Inventor： Michael B. Grear ,  Thomas M. Miller

IPC: G06K5/00

CPC classification number: H04M15/48 ,  G06Q20/10 ,  G06Q20/382 ,  G06Q30/0601 ,  G06Q40/00 ,  G06Q40/12 ,  H04L12/66 ,  H04M15/68 ,  H04M2215/0156 ,  H04M2215/0196

Abstract: According to one embodiment of the invention, an architecture for a data processing system can be implemented that processes data for a service provider itself or a client of a service provider as in the case of a third party processor. The elements of the architecture can be managed separately. For example, the architecture can be organized around eight subject areas, such as account, party, communication point, presentation instrument, rules, balances, transactions, and product. Relationships between each of the subject areas as well as between sub-types of each subject area can be established to provide flexibility in the management of the data.

Abstract translation: 根据本发明的一个实施例，可以实现用于数据处理系统的架构，其处理服务提供商本身或服务提供商的客户端的数据，如在第三方处理器的情况下。 架构的元素可以单独管理。 例如，架构可以组织在八个主题领域，如帐户，派对，通信点，演示文稿，规则，余额，交易和产品。 可以建立每个主题领域之间以及每个主题区域的子类型之间的关系，以提供对数据管理的灵活性。

公开(公告)号：US20080207203A1

公开(公告)日：2008-08-28

申请号：US11830392

申请日：2007-07-30

Applicant: Steven E. Arthur ,  Christopher L. Toomer ,  Sarah Owen ,  Theodore VanDeburg

Inventor： Steven E. Arthur ,  Christopher L. Toomer ,  Sarah Owen ,  Theodore VanDeburg

IPC: H04Q7/20

CPC classification number: G06Q20/322 ,  G06Q20/32

Abstract: Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.

Abstract translation: 公开了用于注册在移动商务系统中使用的移动设备的方法，系统和机器可读介质。 根据一个实施例，注册用于移动商务系统的移动设备的方法可以包括在服务提供商系统处接收来自移动设备的用户的注册请求。 可以与服务提供商系统确定是否允许移动设备的注册。 响应于确定允许移动设备的注册，注册请求可以从服务提供商系统发送到获取方系统。

公开(公告)号：US20080195498A1

公开(公告)日：2008-08-14

申请号：US12022941

申请日：2008-01-30

Applicant: Erik S. Crawford ,  Thomas B. Sayor ,  Ken Algiene

Inventor： Erik S. Crawford ,  Thomas B. Sayor ,  Ken Algiene

IPC: G06Q20/00 ,  G06Q10/00

CPC classification number: H04W4/24 ,  G06Q20/202 ,  G06Q40/12 ,  H04M2215/2026 ,  H04M2215/32

Abstract: Systems and methods for providing connectivity to a wireless network may include a point of sale device at a merchant location that is used to receive an account identifier that in turn is associated with a stored value account of a customer. The account identifier is transmitted along with transaction data to a financial network to permit the stored value account to be processed according to the transaction request. When needing to receive wireless access, a customer using a personal communications device transmits a request to obtain wireless access while he is at the merchant location. An evaluation is performed to confirm that the customer has performed a transaction involving the stored value account within a certain time period. Wireless access to the wireless network is provided if the customer has performed the transaction within the certain time period.

Abstract translation: 用于提供与无线网络的连接的系统和方法可以包括在商户位置处的用于接收与客户的存储值帐户相关联的帐户标识符的销售点设备。 帐户标识符与交易数据一起发送到金融网络，以允许根据交易请求处理存储的价值帐户。 当需要接收无线接入时，使用个人通信设备的客户在他在商户位置时发送获得无线接入的请求。 执行评估以确认客户在特定时间段内执行涉及存储值帐户的交易。 如果客户在特定时间段内执行交易，则提供对无线网络的无线接入。

公开(公告)号：US20080195497A1

公开(公告)日：2008-08-14

申请号：US11764324

申请日：2007-06-18

Applicant: Gary Holme ,  Wayne Joseph Martin

Inventor： Gary Holme ,  Wayne Joseph Martin

IPC: G06Q20/00 ,  G06Q40/00

CPC classification number: G06Q40/06 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q30/06 ,  G06Q40/00

Abstract: Methods and/or systems for providing preauthorization and transaction settlement for a transaction using a prepaid unit-based presentation instrument are disclosed, wherein the presentation instrument includes a unit balance. The method may include receiving a preauthorization request that includes a price-per-unit and a preauthorization amount. The methods and/or systems may then determine whether the unit balance is sufficient to cover the preauthorization amount. If the unit balance is sufficient to cover the preauthorization amount, the presentation instrument is authorized for the transaction. If the unit balance is insufficient to cover the preauthorization amount, a currency balance is determined from the unit balance and the price-per-unit, authorizing the presentation instrument for a transaction up to the currency balance and sending an indication that the currency balance is authorized for the transaction.

Abstract translation: 公开了一种用于使用基于预付单元的呈现工具为交易提供预授权和交易结算的方法和/或系统，其中所述呈现工具包括单位余额。 该方法可以包括接收包括每单位价格和预授权量的预授权请求。 方法和/或系统然后可以确定单元余额是否足以覆盖预授权量。 如果单位余额足以支付预授权金额，则表示工具被授权进行交易。 如果单位余额不足以支付预授权金额，则货币余额由单位余额和单位价格确定，授权交易的提款工具直至货币余额，并发送货币余额为 授权交易。

公开(公告)号：US20080191007A1

公开(公告)日：2008-08-14

申请号：US11677887

申请日：2007-02-22

Applicant: Denise Keay

Inventor： Denise Keay

IPC: G06Q40/00

CPC classification number: G06Q20/403 ,  G06Q40/02

Abstract: According to the invention, a method for identifying suspect financial transactions across multiple accounts is disclosed. The method may include receiving a plurality of data sets. Each data set may relate to a financial transaction, and the plurality of data sets may include a first data set related to a first financial transaction, where the first financial transaction is associated with a first account; and a second data set related to a second financial transaction, where the second financial transaction is associated with a second account. The method may also include flagging the first data set as relating to a fraudulent transaction; analyzing the plurality of data sets according to a first set of criteria, wherein the analysis indicates that the first financial transaction and second financial transaction are similar; and flagging the second data set as relating to a suspect transaction.

Abstract translation: 根据本发明，公开了一种用于识别跨多个账户的可疑金融交易的方法。 该方法可以包括接收多个数据集。 每个数据集可以涉及金融交易，并且所述多个数据集可以包括与第一金融交易相关的第一数据集，其中所述第一金融交易与第一账户相关联; 以及与第二金融交易相关的第二数据集，其中所述第二金融交易与第二账户相关联。 该方法还可以包括将第一数据集标记为与欺诈交易相关; 根据第一组标准分析所述多个数据集，其中所述分析指示所述第一金融交易和所述第二金融交易是相似的; 并将第二数据集标记为与可疑交易相关。

公开(公告)号：US20080189184A1

公开(公告)日：2008-08-07

申请号：US11670023

申请日：2007-02-01

Applicant: Takayuki Kubo ,  Gerd Zinke ,  Norbert Albrecht

Inventor： Takayuki Kubo ,  Gerd Zinke ,  Norbert Albrecht

IPC: G06Q20/00

CPC classification number: G06Q20/20 ,  G06Q20/12

Abstract: Systems and methods are described to provide an interface between distinct host service providers and one or more remotely programmable point-of-sale devices. A set of transaction data may be received from a point-of-sale device. Different subsets of the set of transaction data may be identified for each of the service providers. Each of the identified subsets may be transmitted to the appropriate service provider in a format readable by that service provider.

Abstract translation: 描述了系统和方法以提供不同主机服务提供商和一个或多个远程可编程销售点设备之间的接口。 可以从销售点设备接收一组交易数据。 可以为每个服务提供商识别该组交易数据的不同子集。 所识别的子集中的每一个可以以该服务提供商可读的格式发送到适当的服务提供商。

公开(公告)号：US20080185429A1

公开(公告)日：2008-08-07

申请号：US11671219

申请日：2007-02-05

Applicant: Julie Saville

Inventor： Julie Saville

IPC: G06K5/00

CPC classification number: G07F7/1008 ,  G06Q20/10 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q20/3825 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q30/0601 ,  G07F7/08 ,  G07F7/1025 ,  G07F7/122

Abstract: Systems for enrolling and authenticating transaction cards for PIN-less transactions are disclosed. Enrollment may include subjecting a cardholder to questions regarding previous transaction card transactions and then associating and storing a physical identifier with the transaction card. After enrollment, the cardholder may use the transaction card for PIN-less transactions, for example on the Internet, by successfully providing a physical identifier or pass code that matches the stored physical identifier that was used to enroll the transaction card. Different cardholders may send different types of physical identifier, for example, biometric samples, PC signatures and the like. In yet other embodiments, the system may direct a cardholder to the cardholder's financial institution webpage for authentication of a PIN-less transaction without requiring the cardholder to send a physical identifier. The financial institution may require any authentication they deem sufficient to permit a PIN-less transaction card transaction.

Abstract translation: 披露了无密码交易登记和认证交易卡的系统。 注册可以包括对持卡人进行关于先前的交易卡交易的问题，然后将物理标识符与交易卡相关联并存储。 注册后，持卡人可以通过成功提供与用于注册交易卡的存储的物理标识符相匹配的物理标识符或密码，从而在交易卡上使用交易卡进行无PIN交易。 不同的持卡人可以发送不同类型的物理标识符，例如生物特征样本，PC签名等。 在其他实施例中，系统可以将持卡人指引到持卡人的金融机构网页以进行无PIN交易的认证，而不要求持卡人发送物理标识符。 金融机构可能需要认证，认为它们足以允许无PIN交易卡交易。

公开(公告)号：US20080183618A1

公开(公告)日：2008-07-31

申请号：US11627915

申请日：2007-01-26

Applicant: Michael R. Giacco ,  Karen W. Schirmer ,  Lynn Eloisa Freyta

Inventor： Michael R. Giacco ,  Karen W. Schirmer ,  Lynn Eloisa Freyta

IPC: G06Q40/00

CPC classification number: G06Q20/04 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q40/02

Abstract: A suspect transaction dataset may be generated from screening a transaction dataset against a master suspect list. Often, this screening process results in a large percentage of false positives hits distributed among the data in the suspect transaction dataset. Among other things, embodiments of the invention provide systems and methods for removing the false positives from a suspect transaction dataset. Some embodiments of the invention use detailed decision matrices to generate, analyze, and cull the dataset. Other embodiments use multi-tiered screening with iterative feedback loops to perform those and other dataset functions.

Abstract translation: 可以通过根据主嫌疑人列表筛选事务数据集来生成可疑事务数据集。 通常，这种筛选过程导致在可疑交易数据集中的数据中分配的大量误报率。 除其他之外，本发明的实施例提供了用于从可疑交易数据集中去除假阳性的系统和方法。 本发明的一些实施例使用详细的决策矩阵来生成，分析和剔除数据集。 其他实施例使用具有迭代反馈回路的多层次筛选来执行这些和其他数据集功能。

公开(公告)号：US07386503B2

公开(公告)日：2008-06-10

申请号：US10175342

申请日：2002-06-18

Applicant: Boris Belyi

Inventor： Boris Belyi

IPC: G06Q40/00

CPC classification number: G06Q40/08 ,  G06Q20/108 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/06

Abstract: A risk assessment system that performs a risk assessment of a financial transaction. The risk assessment system incorporates a profitability assessment scoring model that evaluates whether to approve or decline a financial transaction based on the potential profit or loss that can be generated by the transaction for the guarantor or merchant. The profitability scoring model uses an algorithm that is formulated to calculate a profitability score based on variables that have a direct correlation to the overall profit or loss of the transaction. The scoring model takes into consideration variables such as the per check fee charged, probability of collection, and collection fee. The risk assessment system determines whether to approve or decline a transaction based on the potential profit or loss that can be generated by the transaction.

Abstract translation: 执行金融交易风险评估的风险评估系统。 风险评估系统包含盈利能力评估评分模型，根据担保人或商户交易产生的潜在利润或损失评估是否批准或拒绝金融交易。 盈利能力评分模型使用一种算法，用于根据与交易的整体利润或亏损直接相关的变量计算盈利能力评分。 评分模型考虑到每个支票收费，收集概率和收款费用等变量。 风险评估系统根据交易产生的潜在利润或损失确定是否批准或拒绝交易。