公开(公告)号：US08788419B2

公开(公告)日：2014-07-22

申请号：US11648066

申请日：2006-12-30

Applicant: Maurice Samuels ,  Joseph Bruce ,  Cindi Lieblich

Inventor： Maurice Samuels ,  Joseph Bruce ,  Cindi Lieblich

IPC: G06Q40/00

CPC classification number: G06Q20/4016 ,  G06F21/40 ,  G06F2221/2101 ,  G06F2221/2151 ,  G06Q20/04 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/025 ,  H04L63/08 ,  H04L63/20 ,  H04L2463/102 ,  H04L2463/121

Abstract: A method and system are provided for mitigating the risk of fraud in Internet banking. In an embodiment comprising an end user seeking access to the Internet banking site of a financial institution, the end user having already satisfied a first authentication requirement (such as providing a valid user ID and password), the end user is required to satisfy a second authentication test when a measure of improbability associated with the login exceeds a threshold. The measure of improbability, in an embodiment, is based on the improbability of a combination of session statistics such as IP address, browser ID, hour of day, and time since the user's last valid login.

Abstract translation: 提供了一种减轻网上银行欺诈风险的方法和系统。 在包括寻求访问金融机构的网上银行站点的终端用户的实施例中，终端用户已经满足了第一认证要求（例如提供有效的用户ID和密码），终端用户需要满足第二认证要求 当与登录关联的不可能性的度量超过阈值时，认证测试。 在一个实施例中，不可能性的度量是基于会话统计的组合的不可能性，诸如IP地址，浏览器ID，小时和自用户上次有效登录以来的时间。

公开(公告)号：US08777101B2

公开(公告)日：2014-07-15

申请号：US11686697

申请日：2007-03-15

Applicant: Felix Weitzman

Inventor： Felix Weitzman

IPC: G06K5/00 ,  G06F17/00 ,  G06K19/00

CPC classification number: G06Q40/02 ,  G06Q30/06

Abstract: Methods and systems are disclosed of executing a financial transaction that enable enhanced usage monitoring. Funds are received from a buyer for purchase of a single-load stored-value instrument. The single-load stored-value instrument is associated with a predefined value amount. Buyer identification information that identifies the buyer is received. The buyer identification information is stored in association with the stored-value instrument. The stored-value instrument is validated for use in making purchase by drawing from value associated with the stored-value instrument.

Abstract translation: 公开了执行能够增强使用监控的金融交易的方法和系统。 从买方收到的资金用于购买单负荷储值仪器。 单载存储值仪器与预定义的值量相关联。 收到标识买方的买方识别信息。 买方识别信息与存储值仪器相关联地存储。 存储价值工具通过从与存储价值工具相关的价值进行绘制而被验证用于进行购买。

公开(公告)号：US08762275B2

公开(公告)日：2014-06-24

申请号：US12424089

申请日：2009-04-15

Applicant: Matthew J Martino ,  Richard J Jackman

Inventor： Matthew J Martino ,  Richard J Jackman

IPC: G06Q40/00

CPC classification number: G06Q20/405 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/40

Abstract: Embodiments of the invention may relate to systems and methods providing multiple account holder functionality for stored value accounts. In one embodiment, a method may include executing computer program instructions by one or more processors for receiving a request to create a secondary stored value account for a recipient; creating the secondary stored value account for the recipient; and establishing an association between a primary stored value account and the secondary stored value account. The method may further include establishing transaction rules associated with the secondary stored value account. The transaction rules can include funding rules limiting funding of the secondary stored value account to occur from the primary stored value account, and access rules preventing access to account information associated with the secondary stored value account by a primary account holder associated with the primary stored value account.

Abstract translation: 本发明的实施例可以涉及为存储的价值账户提供多个账户持有者功能的系统和方法。 在一个实施例中，一种方法可以包括由一个或多个处理器执行计算机程序指令，以接收为接收者创建辅助存储值帐户的请求; 为收件人创建二级存储值帐户; 以及建立主储值账户与次存储账户之间的关联。 该方法还可以包括建立与次存储值帐户相关联的交易规则。 交易规则可以包括限制从主存储值帐户发生的次级存储值帐户的资金的资金规则，以及阻止访问与主存储值相关联的主账户持有人与次存储值账户相关联的账户信息的访问规则 帐户。

公开(公告)号：US08744960B2

公开(公告)日：2014-06-03

申请号：US12247835

申请日：2008-10-08

Applicant: James E. Lister

Inventor： James E. Lister

IPC: G06Q40/00 ,  G07B17/00 ,  G07F19/00

CPC classification number: G06Q40/02 ,  G06Q20/10 ,  G06Q30/04

Abstract: Embodiments presented herein address the shortcomings and problems discussed above by providing systems and methods for a central system that conducts business-to-business (B2B) payments. In embodiments, a B2B gateway receives payment instructions from one or more buyers. The payment instructions may be received over one of several different systems, for example, a credit card association system or an electronic invoice presentment and payment (EIPP) system. The B2B gateway organizes the payment instructions according to the supplier being paid and the payment system that will be used for the payment. The payment systems may include, but are not limited to, credit card platforms, ACH payments, mailed checks, etc. The suppliers can receive two or more payments from two or more buyers through the B2B gateway.

Abstract translation: 本文提出的实施例通过提供用于进行企业对企业（B2B）支付的中央系统的系统和方法来解决上述讨论的缺点和问题。 在实施例中，B2B网关从一个或多个买方接收支付指令。 支付指令可以通过几个不同系统中的一个接收，例如信用卡关联系统或电子发票显示和支付（EIPP）系统。 B2B网关根据要支付的供应商和将用于支付的支付系统组织付款指示。 支付系统可以包括但不限于信用卡平台，ACH支付，邮寄支票等。供应商可以通过B2B网关从两个或多个买家接收两个或多个付款。

公开(公告)号：US20140074569A1

公开(公告)日：2014-03-13

申请号：US14024199

申请日：2013-09-11

Applicant: First Data Corporation

Inventor： Scott Christopher Francis ,  J. Scott Sanchez ,  Christopher T. Cox

IPC: G06Q30/02

CPC classification number: G06Q20/3223 ,  B60S3/00 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/204 ,  G06Q20/24 ,  G06Q20/3224 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q20/42 ,  G06Q30/0222 ,  G06Q30/0233 ,  G06Q30/0267 ,  G06Q30/0625 ,  G06Q30/0633 ,  G06Q40/025 ,  H04L63/083

Abstract: The disclosure relates to systems and methods for facilitating loyalty and reward functionality in mobile commerce. In one embodiment, a method for providing a loyalty/reward program can include receiving an indication that a consumer has entered a predefined merchant location; transmitting a notification to a mobile device associated with the consumer; providing one or more payment tools on a mobile device for the consumer to facilitate a purchase from a merchant associated with the predefined merchant location; generating a loyalty/reward credit for an account associated with the consumer; and receiving an instruction from the consumer to redeem loyalty/reward credit for goods and/or service from the merchant.

Abstract translation: 本公开涉及用于促进移动商务中的忠诚度和奖励功能的系统和方法。 在一个实施例中，用于提供忠诚度/奖励程序的方法可以包括接收消费者已经进入预定义的商家位置的指示; 向与所述消费者相关联的移动设备发送通知; 在移动设备上为消费者提供一个或多个支付工具，以促进从与预定义的商家位置相关联的商家的购买; 为与消费者相关的帐户产生忠诚度/奖励积分; 并收到消费者的指示，以从商家兑换商品和/或服务的忠诚度/奖励积分。

公开(公告)号：US20140025451A1

公开(公告)日：2014-01-23

申请号：US13629059

申请日：2012-09-27

Applicant: Kevin Joseph Knowles ,  Sarah Owen ,  Julie Christine Bohn ,  Robert James Cole ,  Sammy Leigh Coleman ,  Peter R. Cavicchi, III ,  Susan Munn Young ,  Amy Lynne Kirshenbaum ,  Jigar G. Desai ,  Natalie Cekan

Inventor： Kevin Joseph Knowles ,  Sarah Owen ,  Julie Christine Bohn ,  Robert James Cole ,  Sammy Leigh Coleman ,  Peter R. Cavicchi, III ,  Susan Munn Young ,  Amy Lynne Kirshenbaum ,  Jigar G. Desai ,  Natalie Cekan

IPC: G06Q30/02 ,  G06Q40/00

CPC classification number: G06Q30/0222 ,  G06Q30/0215

Abstract: Methods, systems, and computer-executable instructions for managing financial information are provided. An exemplary method includes establishing a customer identifier associated with a customer and linking the customer identifier to one or more customer financial accounts in a database. The customer identifier is associated with the one or more customer financial accounts, but does not contain account numbers of the one or more customer financial accounts. The method also includes tracking purchasing behavior metrics associated with the customer financial accounts and reporting the purchasing behavior metrics using the customer identifier.

Abstract translation: 提供了用于管理财务信息的方法，系统和计算机可执行指令。 示例性方法包括建立与客户相关联的客户标识符，并将客户标识符与数据库中的一个或多个客户财务帐户相链接。 客户识别符与一个或多个客户财务帐户相关联，但不包含一个或多个客户财务帐户的帐号。 该方法还包括跟踪与客户金融账户相关联的购买行为指标，并使用客户标识符报告购买行为指标。

公开(公告)号：US08635151B2

公开(公告)日：2014-01-21

申请号：US10917854

申请日：2004-08-13

Applicant: Steve R. Krajewski ,  Keith A. Rose ,  Rebecca J. Cash ,  Molly Plozay ,  Richard L. Savage ,  Tod O. Brockley ,  Jeffery S. Harden

Inventor： Steve R. Krajewski ,  Keith A. Rose ,  Rebecca J. Cash ,  Molly Plozay ,  Richard L. Savage ,  Tod O. Brockley ,  Jeffery S. Harden

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q20/10

Abstract: Methods and systems are provided for managing a financial account in which account information is maintained for the financial account on a host system. The account information includes a set of account parameter values and a specification of a base account processing strategy. An entry in a lookup table is maintained on a storage device in communication with the host system is accessed. The entry is defined by at least one of the account parameter values. An operation specified by the entry and inconsistent with operations specified by the base account processing strategy is implemented to override at least a portion of the base account processing strategy. The base account processing strategy is reverted to with the host system in response to satisfaction of a predetermined trigger condition.

Abstract translation: 提供方法和系统用于管理在主机系统上为财务帐户维护帐户信息的金融账户。 帐户信息包括一组帐户参数值和基本帐户处理策略的规范。 在与主机系统通信的存储设备上维护查找表中的条目被访问。 该条目由至少一个帐户参数值定义。 由条目指定的操作和与基本帐户处理策略指定的操作不一致的操作被实现以覆盖基本帐户处理策略的至少一部分。 响应于满足预定的触发条件，基本帐户处理策略被恢复到主机系统。

公开(公告)号：US08606670B2

公开(公告)日：2013-12-10

申请号：US11619023

申请日：2007-01-02

Applicant: John M. Patton

Inventor： John M. Patton

IPC: G06Q40/00 ,  G06Q30/00

CPC classification number: G06Q20/10 ,  G06Q20/04 ,  G06Q40/00 ,  G06Q40/02

Abstract: Embodiments of the present invention provide methods, systems, and machine-readable media for integrating communications between multiple systems and/or processes related to different aspects of financial transactions of a consumer. Generally speaking, an integrated communications engine can be communicatively coupled with and adapted to manage communications between a plurality of routines or processes to manage interactions with a consumer throughout a lifecycle of a financial relationship with the consumer. According to one embodiment, the integrated communications engine can further comprise a rules engine. The rules engine can be adapted to monitor the plurality of routines, determine whether a condition specified in a rule is satisfied, and in response to determining that the condition is satisfied, trigger an action by one or more of the routines of the plurality of routines based on the rule.

Abstract translation: 本发明的实施例提供用于集成在与消费者的金融交易的不同方面有关的多个系统和/或过程之间的通信的方法，系统和机器可读介质。 一般来说，集成通信引擎可以通信地耦合并且适于管理多个例程或过程之间的通信，以在与消费者的财务关系的整个生命周期中管理与消费者的交互。 根据一个实施例，集成通信引擎还可以包括规则引擎。 规则引擎可以适于监视多个例程，确定是否满足规则中指定的条件，并且响应于确定条件得到满足，触发多个例程中的一个或多个例程的动作 基于规则。

公开(公告)号：US20130254110A1

公开(公告)日：2013-09-26

申请号：US13801930

申请日：2013-03-13

Applicant: Vijay Kumar Royyuru ,  Jean M. Sindaco ,  Bradley T. Masterson ,  Peter Allen Donat

Inventor： Vijay Kumar Royyuru ,  Jean M. Sindaco ,  Bradley T. Masterson ,  Peter Allen Donat

IPC: G06Q20/38

CPC classification number: G06Q20/38 ,  G06Q20/356 ,  G06Q20/36

Abstract: Embodiments of the disclosure relate to systems and methods for communicating transaction-related data to a recipient device. In at least one embodiment, a computer-implemented method can be provided. The method can include directing storage of transaction-related information comprising payment data and value added services data. The method can further include communicating the transaction-related information to a recipient device during a card emulation communication initiated by the recipient device, wherein the recipient device utilizes the transaction-related information to complete a payment transaction and provide one or more value added services associated with the payment transaction.

Abstract translation: 本公开的实施例涉及用于将交易相关数据传送到接收方设备的系统和方法。 在至少一个实施例中，可以提供计算机实现的方法。 该方法可以包括指示包括支付数据和增值服务数据的交易相关信息的存储。 该方法还可以包括在由接收方设备发起的卡仿真通信期间将交易相关信息传送到接收方设备，其中接收者设备利用交易相关信息来完成支付交易并提供一个或多个相关联的增值服务 与付款交易。

公开(公告)号：US20130254052A1

公开(公告)日：2013-09-26

申请号：US13801591

申请日：2013-03-13

Applicant: FIRST DATA CORPORATION

Inventor： Vijay Kumar Royyuru ,  Dominic John Morea ,  Peter Allen Donat

IPC: G06Q20/22

CPC classification number: G06Q20/223 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/3278 ,  G06Q40/00

Abstract: This disclosure describes systems and methods related to facilitating payments via a peer-to-peer protocol. Tokenized information associated with a payment transaction may be obtained. Establishment of a peer-to-peer communications session with a payment recipient device may be facilitated. The tokenized information to the recipient device via the established peer-to-peer communications session may be communicated in order to facilitate completion of the payment transaction.

Abstract translation: 本公开描述了通过对等协议促进支付的系统和方法。 可以获得与支付交易相关联的令牌化信息。 可以方便地建立与支付接收装置的对等通信会话。 可以通过建立的对等通信会话向接收方设备发送标记信息，以便于完成支付交易。