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公开(公告)号：US20160162862A1
公开(公告)日：2016-06-09
申请号：US14960108
申请日：2015-12-04
Applicant: First Data Corporation
Inventor： Vijay K. Royyuru , Robert P. Klotz , Christopher T. Cox , Kelly B. Urban , Sridher Swaminathan
CPC classification number: G06Q20/202 , G06Q20/20 , G06Q20/3226 , G06Q20/3278 , G06Q20/352 , G06Q20/3572 , G06Q20/3574 , G06Q20/405
Abstract: Devices and systems for performing contactless payments. The devices are configured such that account issuers have increased flexibility, and such that the systems and methods are extensible to encompass new technologies.
Abstract translation: 用于执行非接触式付款的设备和系统。 这些设备被配置为使得帐户发行者具有增加的灵活性，并且使得系统和方法可扩展以包含新技术。
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公开(公告)号：US09240004B2
公开(公告)日：2016-01-19
申请号：US14464374
申请日：2014-08-20
Applicant: First Data Corporation
Inventor： Felix Weitzman
CPC classification number: G06Q20/4014 , G06Q20/04 , G06Q20/042 , G06Q20/10 , G06Q20/204 , G06Q20/28 , G06Q20/3821 , G06Q20/40 , G06Q40/02 , G06Q40/125 , G06Q40/128 , G06Q2220/00
Abstract: Pre-paid negotiable instruments are issued in response to a request at a host system from the holder of a stored-value account. The request is made through an IVR system or a web interface, and the host allocates funds from the account and provides a balance remaining after the negotiable instrument is issued. The instrument is printed with a transaction number or other identifier at an issuing system, and is then sent to the account holder. The account holder activates the instrument after receipt. The payee receives the instrument and authorizes the instrument by providing the transaction number or identifier to the host. When authorized, payment is guaranteed to the payee from the issuer.
Abstract translation: 预付票据是根据主机系统从储值帐户的持有人发出的请求发出的。 该请求是通过IVR系统或Web界面进行的，并且主机从账户中分配资金，并提供在可转让票据发行之后剩余的余额。 仪器在发卡系统上印有交易号码或其他标识符，然后发送给账户持有人。 帐户持有人在收到后激活仪器。 收款人通过向主机提供交易号码或标识符，接收仪器并授权仪器。 授权后，发行人向收款人保证付款。
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公开(公告)号：US09152954B2
公开(公告)日：2015-10-06
申请号：US14086761
申请日：2013-11-21
Applicant: First Data Corporation
Inventor： Steven E. Arthur
CPC classification number: G06Q20/20 , G06Q20/204 , G06Q20/354 , G06Q30/02
Abstract: According to one embodiment of the invention, a system is provided for activating a plurality of cards. An activation indicator can be provided to an activation system to process the activation of the plurality of cards. If approved, the activation system transmits a message to the POS device indicating the activation.
Abstract translation: 根据本发明的一个实施例，提供一种用于激活多个卡的系统。 可以向激活系统提供激活指示符以处理多个卡的激活。 如果被批准，则激活系统向POS设备发送指示激活的消息。
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公开(公告)号：US20150262160A1
公开(公告)日：2015-09-17
申请号：US14294438
申请日：2014-06-03
Applicant: FIRST DATA CORPORATION
Inventor： Michael Hursta
CPC classification number: G06Q20/227 , G06Q20/04 , G06Q20/20 , G06Q30/0253 , G06Q30/0261
Abstract: Embodiments of the disclosure relate to systems and methods for managing accounts associated with a proxy. In one embodiment, a method can include receiving a merchant ID associated with a merchant from either a user interface or a point of sale device associated with the merchant. The method can include receiving proxy information associated with a proxy from either the user interface or the point of sale device associated with the merchant. Further, the method can include determining a payment account associated with both the merchant and the proxy, based at least in part on the merchant ID or the proxy information, the payment account having a balance and selected from an account database. The method can include transmitting payment information associated with the payment account to either the user interface or the point of sale device, based at least in part on the merchant ID or the proxy information.
Abstract translation: 本公开的实施例涉及用于管理与代理相关联的帐户的系统和方法。 在一个实施例中，一种方法可以包括从与商家相关联的用户界面或销售点设备接收与商家相关联的商家ID。 该方法可以包括从与商家相关联的用户界面或销售点设备接收与代理相关联的代理信息。 此外，该方法可以包括至少部分地基于商家ID或代理信息确定与商家和代理商相关联的支付账户，支付账户具有余额并从帐户数据库中选择。 该方法可以包括至少部分地基于商家ID或代理信息来将支付帐户相关联的支付信息发送到用户界面或销售点设备。
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公开(公告)号：US09106633B2
公开(公告)日：2015-08-11
申请号：US13481364
申请日：2012-05-25
Applicant: Daniel Wilson Carnes
Inventor： Daniel Wilson Carnes
CPC classification number: H04L63/08 , G06Q20/00 , G06Q40/00 , H04L9/3234 , H04L63/061 , H04L63/126 , H04L2209/80 , H04L2463/061 , H04L2463/062 , H04W4/50 , H04W12/02
Abstract: Embodiments of the invention provide systems and methods for authenticating mobile device communications. A mobile device to which a message will be communicated may be identified. Based upon a shared secret between a service provider and the mobile device, a payload authentication code (“PAC”) may be generated, and the generated PAC may be associated with a payload for the message. The message and the generated PAC may then be communicated to the mobile device, and the mobile device may be configured to utilize the shared secret to verify the PAC and authenticate the message. In certain embodiments, the operations of the method may be performed by one or more computers associated with the service provider.
Abstract translation: 本发明的实施例提供了用于认证移动设备通信的系统和方法。 可以识别要传送消息的移动设备。 基于服务提供商和移动设备之间的共享密钥，可以生成有效负载认证码（“PAC”），并且所生成的PAC可以与消息的有效载荷相关联。 然后可以将消息和生成的PAC传送到移动设备，并且移动设备可以被配置为利用共享秘密来验证PAC并验证消息。 在某些实施例中，该方法的操作可以由与服务提供商相关联的一个或多个计算机执行。
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Patent Agency Ranking
公开(公告)号：US09106632B2
公开(公告)日：2015-08-11
申请号：US13481352
申请日：2012-05-25
Applicant: Roger Lynn Musfeldt
Inventor： Roger Lynn Musfeldt
IPC: G06Q20/00 , H04L29/06 , H04L9/32 , H04W12/02 , G06Q40/00 , H04M3/00 , G06F21/00 , H04W8/20 , H04W4/00
CPC classification number: H04L63/08 , G06Q20/00 , G06Q40/00 , H04L9/3234 , H04L63/061 , H04L63/126 , H04L2209/80 , H04L2463/061 , H04L2463/062 , H04W4/50 , H04W12/02
Abstract: Embodiments of the invention can provide systems and methods for device provisioning. According to one example embodiment of the invention, a method can be provided. The method can include identifying, from a computer-readable memory, provisioning information associated with a device; attaching the provisioning information to an item; and preparing the item to be sent to a location of the associated device, wherein the device is provisioned based at least in part on the item. In certain embodiments, one or more operations can be performed by one or more computers associated with a service provider.
Abstract translation: 本发明的实施例可以提供用于设备供应的系统和方法。 根据本发明的一个示例实施例，可以提供一种方法。 该方法可以包括从计算机可读存储器识别与设备相关联的供应信息; 将所述供应信息附加到项目; 以及准备要发送到相关设备的位置的项目，其中至少部分地基于所述项目来提供所述设备。 在某些实施例中，可以由与服务提供商相关联的一个或多个计算机执行一个或多个操作。
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公开(公告)号：US09087329B2
公开(公告)日：2015-07-21
申请号：US13951698
申请日：2013-07-26
Applicant: Gyft, Inc.
Inventor： Vinodan Karthikeya Lingham
CPC classification number: G06Q20/342 , G06Q20/3274 , G06Q30/02 , G06Q30/0601
Abstract: Various of the disclosed embodiments consider systems and methods for the sender of a printed or electronic greeting card to attach one or more virtual or electronic gift cards to that printed or electronic greeting card, so that the recipient of the greeting card can subsequently retrieve and redeem the attached gift cards electronically. Thus, some of the disclosed embodiments provide a system for automating the giving and receiving of electronic gift cards via the medium of the greeting card itself.
Abstract translation: 各种公开的实施例考虑了用于印刷或电子贺卡的发送者将一个或多个虚拟或电子礼品卡附接到该打印或电子贺卡的系统和方法，使得贺卡的接收者随后可以检索和兑换 电子附件礼品卡。 因此，所公开的实施例中的一些提供了一种用于通过贺卡本身的介质来自动给予和接收电子礼品卡的系统。
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公开(公告)号：US09059980B2
公开(公告)日：2015-06-16
申请号：US13481356
申请日：2012-05-25
Applicant: Brian Kean , Devin Michael Cambridge
Inventor： Brian Kean , Devin Michael Cambridge
CPC classification number: H04L63/08 , G06Q20/00 , G06Q40/00 , H04L9/3234 , H04L63/061 , H04L63/126 , H04L2209/80 , H04L2463/061 , H04L2463/062 , H04W4/50 , H04W12/02
Abstract: Embodiments of the invention provide systems and methods for authenticating mobile devices. Device identifying information may be received for a mobile device. A base level key may also be communicated to the mobile device. The base level key may be utilized by the mobile device to derive unique transaction specific keys to encrypt subsequent communications output by the mobile device. A communication encrypted with a unique transaction specific key may be received from the mobile device. Based at least in part upon the device identifying information and the base level key, a derived key may be generated, and the derived key may be utilized to decrypt the received communication and authenticate the mobile device. In certain embodiments, the above operations may be performed by one or more computers associated with a service provider.
Abstract translation: 本发明的实施例提供了用于认证移动设备的系统和方法。 可以为移动设备接收设备识别信息。 基本级别的密钥也可以被传送到移动设备。 基本级别的密钥可以由移动设备利用来导出唯一的事务特定密钥来加密由移动设备输出的后续通信。 可以从移动设备接收用唯一交易专用密钥加密的通信。 至少部分地基于设备识别信息和基本级密钥，可以生成派生密钥，并且导出的密钥可以用于解密所接收的通信并认证移动设备。 在某些实施例中，上述操作可以由与服务提供商相关联的一个或多个计算机执行。
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公开(公告)号：US20150046334A1
公开(公告)日：2015-02-12
申请号：US14464374
申请日：2014-08-20
Applicant: First Data Corporation
Inventor： Felix Weitzman
IPC: G06Q20/04
CPC classification number: G06Q20/4014 , G06Q20/04 , G06Q20/042 , G06Q20/10 , G06Q20/204 , G06Q20/28 , G06Q20/3821 , G06Q20/40 , G06Q40/02 , G06Q40/125 , G06Q40/128 , G06Q2220/00
Abstract: Pre-paid negotiable instruments are issued in response to a request at a host system from the holder of a stored-value account. The request is made through an IVR system or a web interface, and the host allocates funds from the account and provides a balance remaining after the negotiable instrument is issued. The instrument is printed with a transaction number or other identifier at an issuing system, and is then sent to the account holder. The account holder activates the instrument after receipt. The payee receives the instrument and authorizes the instrument by providing the transaction number or identifier to the host. When authorized, payment is guaranteed to the payee from the issuer.
Abstract translation: 预付票据是根据主机系统从储值帐户的持有人发出的请求发出的。 该请求是通过IVR系统或Web界面进行的，并且主机从账户中分配资金，并在发行可转让票据之后提供余额。 仪器在发卡系统上印有交易号码或其他标识符，然后发送给账户持有人。 帐户持有人在收到后激活仪器。 收款人通过向主机提供交易号码或标识符，接收仪器并授权仪器。 授权后，发行人向收款人保证付款。
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公开(公告)号：US20140306006A1
公开(公告)日：2014-10-16
申请号：US14252316
申请日：2014-04-14
Applicant: FIRST DATA CORPORATION
Inventor： Fred C. Casto , Jon A. Gates , Jeffery G. Nowlin , Corey D. Tunink
CPC classification number: B32B37/0046 , B32B37/02 , G06K5/00 , G06K7/00 , Y10T156/10 , Y10T156/1049 , Y10T156/1746 , Y10T156/1798
Abstract: Advanced card machines and associated card merge methods are provided. A form may be provided from a first supply of forms to a first track that is configured to advance the form. A foldable payment card may be selected from a second supply of foldable payment cards, wherein the selection of the payment card does not result in the payment card being folded. The selected payment card may be advanced, without folding the payment card, along a second track to a position in which the payment card is supplied to the form Additionally, an adhesive may be applied to one of the form or the payment card, and the adhesive may attach the payment card to the form when the payment card is supplied to the form.
Abstract translation: 提供先进的卡片机和相关卡合并方法。 形式可以从形式的第一供应提供到配置为推进形式的第一轨道。 可以从第二供应的可折叠支付卡中选择可折叠的支付卡，其中所述支付卡的选择不会导致支付卡被折叠。 所选择的支付卡可以提前，而不将支付卡折叠在第二轨道上，到支付卡被提供给表单的位置。另外，可以将粘合剂应用于表单或支付卡中的一个，并且 当支付卡被提供给表单时，粘合剂可以将支付卡附接到表格。
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