公开(公告)号：US08346636B2

公开(公告)日：2013-01-01

申请号：US11923113

申请日：2007-10-24

Applicant: Dawn M. Brys ,  Sabrina Hagberg ,  Shirley McCulloch ,  Carol Walnut ,  Mary Meade-Koslen ,  Michael Hamian ,  David J. Tuck ,  Luanne Gallagher ,  Ashok N. Shenoy ,  Barbara Marx

Inventor： Dawn M. Brys ,  Sabrina Hagberg ,  Shirley McCulloch ,  Carol Walnut ,  Mary Meade-Koslen ,  Michael Hamian ,  David J. Tuck ,  Luanne Gallagher ,  Ashok N. Shenoy ,  Barbara Marx

IPC: G06Q40/00

CPC classification number: G06F21/552 ,  G06Q40/04

Abstract: Methods, systems, and machine-readable media are disclosed for tracking and reporting information related to compliance with a set of security requirements by one or more entities handling financial transaction information. According to one embodiment, a system can comprise one or more acquirer systems, each adapted to process information related to a plurality of financial transactions for entities involved in the transaction. A tracking and reporting system can be communicatively coupled with each of the acquirer systems. The tracking and reporting system can be adapted to collect at least a subset of the information related to the plurality of financial transactions, collect compliance information related to the entities involved in the transaction, the compliance information for each entity indicating that entity's compliance with the set of security requirements, and generate one or more reports based on the information related to the plurality of financial transactions and the compliance information.

Abstract translation: 公开了方法，系统和机器可读介质，用于跟踪和报告由处理金融交易信息的一个或多个实体遵守一组安全性要求相关的信息。 根据一个实施例，系统可以包括一个或多个收单系统，每个收单系统适于处理与交易中涉及的实体的多个金融交易相关的信息。 跟踪和报告系统可以与每个收单系统通信耦合。 跟踪和报告系统可以适于收集与多个金融交易相关的信息的至少一个子集，收集与交易中涉及的实体相关的合规信息，每个实体的遵从性信息指示实体遵守该集合 并且基于与所述多个金融交易和所述合规信息相关的信息生成一个或多个报告。

公开(公告)号：US20120304255A1

公开(公告)日：2012-11-29

申请号：US13481364

申请日：2012-05-25

Applicant: Daniel Wilson Carnes

Inventor： Daniel Wilson Carnes

IPC: G06F21/00

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 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秘密，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。

公开(公告)号：US08315952B2

公开(公告)日：2012-11-20

申请号：US11684997

申请日：2007-03-12

Applicant: Ken Algiene

Inventor： Ken Algiene

IPC: G06Q20/00

CPC classification number: G06Q20/367 ,  G06Q20/06

Abstract: Methods and systems are described for transferring funds from a sender to a recipient. Source funds are received from a sender. An amount of recipient funds is determined from a value of the source funds. A transfer identifier associated with the recipient funds is generated and provided to the sender. The transfer identifier is received from the recipient, prompting a transfer in control of the recipient funds to the recipient. At least one of the source funds and the recipient funds are in the form of one or more electronic tokens. Each such electronic token has a currency amount and a digital signature identifying a financial institution that backs the electronic token for the currency amount.

Abstract translation: 描述了将资金从发送方转移到收件人的方法和系统。 来自发件人的资金来源。 收款人资金的数量是根据来源资金的价值确定的。 产生与接收者资金相关联的转移标识符并提供给发送者。 从接收者接收到传送标识符，提示将接收方资金的控制转移给接收者。 至少有一个来源基金和收款人资金是以一个或多个电子代币的形式。 每个这样的电子令牌具有货币金额和数字签名，标识支持货币金额的电子令牌的金融机构。

公开(公告)号：US20120226588A1

公开(公告)日：2012-09-06

申请号：US13341158

申请日：2011-12-30

Applicant: Chris Wuhrer ,  Jerome Myers ,  Sarah Owen ,  Caryn L. Dixon ,  Sameer S. Bharwani ,  J. Scott Sanchez ,  Pranav Kariwala ,  Jigar Desai ,  Yinchuan Tan

Inventor： Chris Wuhrer ,  Jerome Myers ,  Sarah Owen ,  Caryn L. Dixon ,  Sameer S. Bharwani ,  J. Scott Sanchez ,  Pranav Kariwala ,  Jigar Desai ,  Yinchuan Tan

IPC: G06Q30/06

CPC classification number: G06Q30/06 ,  G06Q20/12 ,  G07F17/40

Abstract: Systems and methods for electronic commerce using a dynamic checkout and/or group gifting are provided. The dynamic checkout process can be integrated with a social platform electronic commerce experience allowing a user to select a single gift, multiple gifts, and/or to create a basket of goods to send to one or multiple recipients. The dynamic checkout allows the user to select the desired recipient(s) before, after, or intermixed with selecting the offers and/or creating the basket of goods. These offers or products can be purchased by the user with a single payment which will be appropriately apportioned to the merchants based on the products purchased. Once the payment has been successfully processed, an electronic delivery or a physical delivery of the goods or products will occur.

Abstract translation: 提供了使用动态结帐和/或组送礼的电子商务的系统和方法。 动态结帐过程可以与社交平台电子商务体验相集成，允许用户选择单个礼物，多个礼物，和/或创建一篮子商品以发送给一个或多个收件人。 动态结帐允许用户在选择提供和/或创建商品篮之前，之后或混合时选择所需的收件人。 这些优惠或产品可以由用户购买一笔付款，这些付款将根据购买的产品适当地分配给商家。 一旦付款已经成功处理，将发生货物或产品的电子交货或实际交货。

公开(公告)号：US20120191534A1

公开(公告)日：2012-07-26

申请号：US13407574

申请日：2012-02-28

Applicant: Silvio Tavares ,  Susan Fahy ,  Dennis Carlson

Inventor： Silvio Tavares ,  Susan Fahy ,  Dennis Carlson

IPC: G06Q30/02

CPC classification number: G06Q30/00 ,  G06Q30/0246

Abstract: The invention provides the ability to evaluate transaction activity of customers following the redemption of a promotion, such as the redemption of a prepaid instrument, coupon, or the like. For example, the subsequent activity could be where customers shopped after redeeming a coupon. Examples of such reports that could be generated include the percentage of redeemers who returned to the same merchant or who went elsewhere. In some cases, customers could do both, or neither and the reports could indicate such activity. Further reports could show the amount spent for each return visit (both for those who return and go elsewhere), as well as the percentage who shop only with the merchant, and nowhere else.

Abstract translation: 本发明提供了在兑换促销活动之后评估客户的交易活动的能力，例如兑换预付费用票据，优惠券等。 例如，后续活动可能是在兑换优惠券后客户购物的地方。 可以生成的报告的例子包括返回同一商家或去其他地方的赎回者的百分比。 在某些情况下，客户可以同时进行两者，也可以不报告这些活动。 进一步的报告可以显示每次返回访问的费用（对于那些返回到别处的人员），以及仅与商家一起购物的百分比以及其他地方。

公开(公告)号：US08225284B2

公开(公告)日：2012-07-17

申请号：US10704383

申请日：2003-11-06

Applicant: Marty P. Larsen

Inventor： Marty P. Larsen

IPC: G06F9/44

CPC classification number: G06F11/3684

Abstract: Methods and systems are provided for generating a test bed from an input data set that has multiple data elements. A development program, which includes multiple decision points, is executed using each of the data elements as input to the development program in a sequence. For each decision point, execution of the decision point by at least one of the data elements is identified. Those identified data elements are assigned for identification in the test bed.

Abstract translation: 提供了用于从具有多个数据元素的输入数据集生成测试台的方法和系统。 包括多个决定点的开发程序使用每个数据元素作为序列中的开发程序的输入来执行。 对于每个决策点，识别由至少一个数据元素执行决策点。 这些识别的数据元素被分配用于在测试台中进行识别。

公开(公告)号：US20120179610A1

公开(公告)日：2012-07-12

申请号：US13425051

申请日：2012-03-20

Applicant: Terry Allen-Rouman ,  Jack Michael Arrington ,  Keval Desai ,  Robert Edwin Dravenstott ,  Wendy D. Larson ,  Scott J. Levokove ,  John Joseph Mascavage, III ,  Peter Eric Philipp ,  Margaret Morgan Weichert

Inventor： Terry Allen-Rouman ,  Jack Michael Arrington ,  Keval Desai ,  Robert Edwin Dravenstott ,  Wendy D. Larson ,  Scott J. Levokove ,  John Joseph Mascavage, III ,  Peter Eric Philipp ,  Margaret Morgan Weichert

IPC: G06Q20/40 ,  G06Q20/10

CPC classification number: G06Q20/02 ,  G06Q20/023 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/40 ,  G06Q30/0601 ,  G06Q30/0637 ,  G06Q40/00 ,  G06Q40/04

Abstract: An electronic transaction method, funds transfer apparatus and method for facilitating a funds transfer. The methods comprise sending information from a purchaser or payor to a funds transfer system separate from a vendor system or payee, validating and confirming personal financial information at the funds transfer system, and transferring funds from a purchaser or payor account to the vendor or a payee account without exposing either party's financial and account information to the other. Additionally, a funds transfer apparatus is disclosed comprising connections to a payor and payee system and mechanisms for receiving and validating party and transaction information and a mechanism for transferring funds from one party to the other.

Abstract translation: 电子交易方式，资金转移装置和便利资金转移的方法。 这些方法包括将信息从购买者或付款人发送到与供应商系统或收款人分开的资金转帐系统，验证和确认资金转帐系统上的个人财务信息，以及将资金从买方或支付者账户转入卖方或收款人 帐户，而不会将任何一方的财务和帐户信息暴露给另一方。 此外，公开了一种资金转移装置，其包括与付款人和收款人系统的连接以及用于接收和验证方和交易信息的机制以及用于将资金从一方转移到另一方的机制。

公开(公告)号：US08063781B2

公开(公告)日：2011-11-22

申请号：US11428899

申请日：2006-07-06

Applicant: Sunil Dewan

Inventor： Sunil Dewan

IPC: G08B13/14 ,  G06K5/00

CPC classification number: G06K19/07327 ,  G06K19/07718 ,  G06K19/07749

Abstract: Methods and systems are provided for preparing radio-frequency devices for secure distribution. Multiple such radio-frequency devices are received. Each device has an embedded radio-frequency transponder. Each radio-frequency devices is moved sequentially to stations of a preparation device. At a first station, a radio-frequency identification code assigned to the radio-frequency device is encoded to personalize the radio-frequency device with recipient-specific radio-frequency identification data. At a second station, the radio-frequency devices is packaged within a package such that the radio-frequency device within the package is electromagnetically shielded at radio frequencies.

Abstract translation: 提供了用于准备用于安全分发的射频设备的方法和系统。 收到多个这样的射频设备。 每个设备都有一个嵌入式射频应答器。 每个射频设备被顺序移动到准备设备的站。 在第一站处，分配给无线电频率设备的射频识别码被编码以使具有接收者特定射频识别数据的射频设备个性化。 在第二站，射频设备被封装在封装内，使得封装内的射频器件以无线电频率被电磁屏蔽。

公开(公告)号：US20110215144A1

公开(公告)日：2011-09-08

申请号：US12715648

申请日：2010-03-02

Applicant: Fred C. Casto ,  Jon A. Gates ,  Jeffery G. Nowlin ,  Corey D. Tunink

Inventor： Fred C. Casto ,  Jon A. Gates ,  Jeffery G. Nowlin ,  Corey D. Tunink

IPC: G06K7/00 ,  B32B37/02

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。

公开(公告)号：US20110161233A1

公开(公告)日：2011-06-30

申请号：US12649625

申请日：2009-12-30

Applicant: Craig A. Tieken

Inventor： Craig A. Tieken

IPC: G06Q20/00 ,  H04L9/30 ,  G06Q40/00

CPC classification number: G06Q20/382 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/3821 ,  G06Q20/3829 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q2220/00 ,  H04L9/3234 ,  H04L9/3236 ,  H04L63/083 ,  H04L2209/56

Abstract: Methods, systems, and devices for secure transaction management are provided. Embodiments include a method for providing secure transactions that include receiving an identifier of a financial account at a payment processor system. A token may be generated that is linked with the identifier of the financial account at the payment processor system. The identifier of the financial account and the token may be stored securely at the payment processor system. The token may be transmitted without the identifier of the financial account to at least a recipient system or a recipient device where the token replaces the identifier of the financial account.

Abstract translation: 提供了用于安全事务管理的方法，系统和设备。 实施例包括用于提供安全交易的方法，包括在支付处理器系统处接收金融账户的标识符。 可以生成与支付处理器系统处的金融账户的标识符相关联的令牌。 金融帐户和令牌的标识符可以安全地存储在支付处理器系统中。 令牌可以没有财务帐户的标识符被发送到至少一个接收方系统或接收方设备，其中令牌替代了该金融账户的标识符。