公开(公告)号：US20160224980A1

公开(公告)日：2016-08-04

申请号：US15017434

申请日：2016-02-05

Applicant: Kai STINCHCOMBE

Inventor： Kai STINCHCOMBE

IPC: G06Q20/40 ,  G06Q20/42 ,  G06Q20/32

CPC classification number: G06Q20/401 ,  G06Q20/3255 ,  G06Q20/42

Abstract: According to an exemplary embodiment, a computer-implemented method of processing transactions initiated by a payer includes: providing administrative control that enables an administrator to specify predetermined transaction characteristics to be applied to subsequent electronic transactions; storing the predetermined transaction characteristics electronically; receiving an electronic payment authorization request submitted by a payee, the payment authorization request associated with a subsequent transaction initiated by the payer and having a set of submitted transaction characteristics; comparing the set of submitted transaction characteristics against the predetermined transaction characteristics; sending an approval or a denial of the payment authorization request to a payer fulfillment system on the basis of at least the results of the comparison.

Abstract translation: 根据示例性实施例，一种处理由付款人发起的交易的计算机实现的方法包括：提供管理控制，使得管理员能够指定要应用于后续电子交易的预定交易特征; 以电子方式存储预定交易特征; 接收由收款人提交的电子支付授权请求，支付授权请求与由付款人发起的后续交易相关联并具有一组提交的交易特征; 将提交的交易特征集合与预定交易特征进行比较; 至少基于比较的结果向付款人履行系统发送批准或拒绝支付授权请求。

公开(公告)号：US20160182739A1

公开(公告)日：2016-06-23

申请号：US14990774

申请日：2016-01-07

Applicant: John David GUEST ,  Brian Roger TAGG ,  Leslie George LOWIN

Inventor： John David GUEST ,  Brian Roger TAGG ,  Leslie George LOWIN

IPC: H04M17/00 ,  G06Q20/28

CPC classification number: H04M17/206 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q30/0239 ,  H04M1/72552 ,  H04M15/06 ,  H04M15/43 ,  H04M15/68 ,  H04M17/00 ,  H04M17/10 ,  H04M17/20 ,  H04M2215/0196 ,  H04M2215/2026 ,  H04M2215/32 ,  H04W4/24

Abstract: A system and method for adding value to a customer account are provided. An identifier associated with a value is distributed to a customer. The identifier is usable to add the value to an account. A request to add the value to a customer account is received via short message service (SMS). The request comprises the identifier and account identification information associated with the customer account. In some embodiments, the identifier may be entered into the device using text auto-completion software. The request is received from a user communication device as an SMS message. The value associated with the identifier and the customer account associated with the account identification number are identified based on the request. The value is caused to be added to the customer account. A confirmation that the value was added to the customer account is passed to the user communication device.

公开(公告)号：US20160180305A1

公开(公告)日：2016-06-23

申请号：US15019888

申请日：2016-02-09

Applicant: BC Investments & Leasing, Inc.

Inventor： Craig S. Dresser ,  Bryan J. Smith

IPC: G06Q20/10 ,  G06Q20/40 ,  G06Q20/32

CPC classification number: G06Q20/102 ,  G06Q20/20 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/3255 ,  G06Q20/401 ,  G06Q20/4012 ,  G06Q40/02

Abstract: Embodiments related to payments linked to a mobile number are described herein. In an embodiment, a payment request is received from a payee device for a payment on behalf of payer. A mobile number associated with the payer is determined, and an authorization request for the payment is transmit to the mobile number. A payment authorization from a device associated with the mobile number is received. A transaction request is submit to a financial institution associated with the payer to make the payment to payee. The payer and payee are notified as to a result of the transaction request.

Abstract translation: 本文描述了与移动号码链接的支付相关的实施例。 在一个实施例中，从收款人设备接收代表支付者的付款的支付请求。 确定与支付者相关联的移动号码，并且向移动号码发送用于支付的授权请求。 接收与移动号码相关联的设备的支付授权。 交易请求将提交给与付款人有关的金融机构，以付款给收款人。 有关交易请求的结果通知付款人和收款人。

公开(公告)号：US09374459B1

公开(公告)日：2016-06-21

申请号：US14863717

申请日：2015-09-24

Applicant: Noble Systems Corporation

Inventor： Karl H. Koster

IPC: G06K7/10 ,  H04W4/00 ,  H04M3/44

CPC classification number: G06Q20/349 ,  G06K7/10821 ,  G06K7/1417 ,  G06K7/1439 ,  G06K19/06037 ,  G06K19/08 ,  G06Q20/3255 ,  G06Q20/3276 ,  G06Q30/0267 ,  G06Q30/0625 ,  H04M1/27 ,  H04M1/2755 ,  H04M1/72552 ,  H04M3/44 ,  H04M3/523 ,  H04M3/5231 ,  H04M3/5232 ,  H04M2203/154 ,  H04M2250/52 ,  H04N1/00326 ,  H04N1/00334 ,  H04N1/32144 ,  H04N2201/3269 ,  H04N2201/3271 ,  H04W4/14

Abstract: In various embodiments, advertising campaigns can be defined that incorporate technologies such as two-dimensional bar codes or embedded links in electronic material, for directing a user to communicate with a call center. For instance, in particular embodiments, the reading of a two-dimensional bar code by a user with a smart phone may cause various forms of communication requesting a return communication. The communication from the smart phone may be sent to, and received at, the call center, where a calling campaign associated with an advertising campaign is identified using information associated with the communication. A responding communication may be initiated from the call center to the user.

Abstract translation: 在各种实施例中，可以定义广告活动，其将诸如二维条形码或嵌入式链接的技术结合到电子材料中，以指导用户与呼叫中心通信。 例如，在特定实施例中，用户使用智能电话读取二维条形码可能会导致请求返回通信的各种形式的通信。 来自智能电话的通信可以被发送到呼叫中心，并且在呼叫中心处接收到，其中使用与通信相关联的信息来识别与广告活动相关联的呼叫活动。 响应通信可以从呼叫中心发起到用户。

公开(公告)号：US09367843B2

公开(公告)日：2016-06-14

申请号：US13273986

申请日：2011-10-14

Applicant: Penny Jurss

Inventor： Penny Jurss

IPC: G06Q20/40 ,  G06Q20/02 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/42

CPC classification number: G06Q20/40 ,  G06Q20/027 ,  G06Q20/3255 ,  G06Q20/34 ,  G06Q20/405 ,  G06Q20/425

Abstract: Techniques are provided for generating a transaction alert for a transaction whether the transaction was processed by a first payment processing network associated with an alerting platform or the transaction was processed by a second payment processing network not associated with an alert platform. An authorization request message associated with a transaction is received by a transaction processing server configured to receive authorization request messages from a first payment network and a second payment network. If the authorization request message was routed through the second payment network, alert initiation data is transmitted to an alert platform associated with the first payment network. The alert platform is configured to apply at least one alert criterion to the alert initiation data to determine if an alert is to be generated, generate the alert, and transmit the alert to a mobile application.

Abstract translation: 提供了用于为事务生成交易警报的技术，无论该事务是否由与警报平台相关联的第一支付处理网络处理，或者交易由与警报平台无关的第二支付处理网络处理。 与交易相关联的授权请求消息由交易处理服务器接收，该交易处理服务器被配置为从第一支付网络和第二支付网络接收授权请求消息。 如果通过第二支付网络路由授权请求消息，则将警报发起数据发送到与第一支付网络相关联的警报平台。 警报平台被配置为对警报发起数据应用至少一个警报标准，以确定是否要生成警报，生成警报，并将警报发送到移动应用程序。

公开(公告)号：US09367834B2

公开(公告)日：2016-06-14

申请号：US12692144

申请日：2010-01-22

Applicant: Robert E. Morgan ,  Hitesh Seth

Inventor： Robert E. Morgan ,  Hitesh Seth

IPC: G06K5/00 ,  G06Q20/04 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/42 ,  G07F7/10

CPC classification number: G06Q20/409 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/3255 ,  G06Q20/351 ,  G06Q20/3572 ,  G06Q20/385 ,  G06Q20/405 ,  G06Q20/425 ,  G07F7/10

Abstract: Systems, methods and computer program products for processing payments for a proxy card are provided. Embodiments of the system include a processor, and a memory in communication with the processor. The memory may be configured to store processing instructions for directing the processor to receive a request for authorization of a payment. In various embodiments, the request is triggered at a merchant server, by the use of a proxy card of the customer. The processor attempts to identify at least one desired payment mode for making the payment, from among payment mode(s) associated with the proxy card. The processor first selects the payment modes based at least in part on one or more selection criteria, such as predefined customer goals, and then the processor performs an authorization check to identify the desired payment modes. Subsequently, the processor authorizes the payment if at least one desired payment mode is identified.

Abstract translation: 提供了用于处理代理卡付款的系统，方法和计算机程序产品。 该系统的实施例包括处理器和与处理器通信的存储器。 存储器可以被配置为存储用于指示处理器接收对支付授权的请求的处理指令。 在各种实施例中，通过使用客户的代理卡在商家服务器处触发该请求。 处理器尝试从与代理卡相关联的支付模式中识别用于进行支付的至少一个所需支付模式。 处理器首先至少部分地基于一个或多个选择标准（例如预定义的客户目标）选择支付模式，然后处理器执行授权检查以识别期望的支付模式。 随后，如果识别出至少一个所需的支付模式，则处理器授权支付。

公开(公告)号：US20160155113A9

公开(公告)日：2016-06-02

申请号：US13069759

申请日：2011-03-23

Applicant: José Ignacio Bas Bayod ,  Francisco Bas Bayod ,  Fernando Bas Bayod

Inventor： José Ignacio Bas Bayod ,  Francisco Bas Bayod ,  Fernando Bas Bayod

IPC: G06Q20/32 ,  G06Q20/38

CPC classification number: G06Q20/3223 ,  G06F21/10 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/325 ,  G06Q20/3255 ,  G06Q20/3823 ,  G06Q20/3829 ,  G06Q20/425 ,  G06Q2220/00

Abstract: A system, method and mobile application for conducting financial transactions wherein a mobile device operated by a user is operably coupled to a server over a mobile communication network. Both the server and the user's mobile device store a user encryption key (UEK) and a user access key (UAK). A software application stored on the user's mobile device and the server are configured to conduct a transaction wherein a session key (SK) specific to the transaction is exchanged in an encrypted form based upon the UEK. The software application is further configured to i) generate transaction data, ii) access the UAK stored on the mobile device, iii) encrypt the UAK and transaction data into an encrypted form based upon the SK, and iv) send the UAK and transaction data in encrypted form from the mobile device to the server over the mobile communication network in order to conduct the transaction.

Abstract translation: 一种用于进行金融交易的系统，方法和移动应用，其中由用户操作的移动设备通过移动通信网络可操作地耦合到服务器。 服务器和用户的移动设备都存储用户加密密钥（UEK）和用户访问密钥（UAK）。 存储在用户的移动设备和服务器上的软件应用被配置为进行交易，其中基于UEK以加密形式交换特定于事务的会话密钥（SK）。 软件应用还被配置为：i）生成交易数据，ii）访问存储在移动设备上的UAK，iii）基于SK将UAK和交易数据加密成加密形式，以及iv）发送UAK和交易数据 以加密形式从移动设备到移动通信网络上的服务器进行交易。

公开(公告)号：US20160150078A1

公开(公告)日：2016-05-26

申请号：US14952541

申请日：2015-11-25

Applicant: Netincent, Inc.

Inventor： Sunil Pradeep Joshi ,  Kalyan V. Krishnan

IPC: H04M3/42 ,  H04W4/14 ,  G06Q30/02 ,  G06Q20/32 ,  G06Q20/40 ,  H04W4/16 ,  H04W4/20

CPC classification number: G06Q30/0222 ,  G06Q20/3255 ,  G06Q20/3276 ,  G06Q20/387 ,  G06Q30/0226 ,  G06Q30/0238 ,  H04W4/14 ,  H04W4/16 ,  H04W4/21

Abstract: Example communication systems and methods are described. In one implementation, a method receives a first message from a user and extracts a user identity and a transaction request. An alias identity is assigned to the user identity. A second message is transmitted to a merchant device in which the second message includes the alias identity and the transaction request. The method receives a third message from the merchant device and extracts the alias identity and a transaction completion confirmation from the third message. A fourth message, which includes the transaction completion confirmation, is communicated to the user based on the user identity.

Abstract translation: 描述示例通信系统和方法。 在一个实现中，方法从用户接收第一消息并提取用户身份和交易请求。 别名标识被分配给用户身份。 第二消息被发送到商家设备，其中第二消息包括别名身份和交易请求。 该方法从商家设备接收第三消息，并从第三消息中提取别名标识和交易完成确认。 包括交易完成确认的第四消息基于用户身份传送给用户。

公开(公告)号：US20160148178A1

公开(公告)日：2016-05-26

申请号：US15013344

申请日：2016-02-02

Applicant: NOMURA RESEARCH INSTITUTE, LTD.

Inventor： Hitoshi YANO ,  Koji NAKAJIMA ,  Koji TERADA

IPC: G06Q20/10 ,  G06F3/0482 ,  G06Q20/32

CPC classification number: G06Q20/108 ,  G06F3/0482 ,  G06Q20/3221 ,  G06Q20/3255 ,  G06Q40/02

Abstract: A screen display program causes a mobile terminal communicably connected to a server to execute an initial message acquisition procedure that includes acquiring a first message group from among a plurality of messages from the server, an initial message display procedure that includes displaying messages of the first message group sequentially according to an operation of a user, an additional message acquisition procedure that includes acquiring, when a number of undisplayed messages to be displayed sequentially among the messages of the first message group becomes less than or equal to a predetermined number, a second message group different from the first message group from among the plurality of messages from the server, and an additional message display procedure that includes displaying messages of the second message group sequentially following the messages of the first message group.

Abstract translation: 屏幕显示程序使可通信地连接到服务器的移动终端执行初始消息获取过程，其包括从来自服务器的多个消息中获取第一消息组，初始消息显示过程，其包括显示第一消息的消息 根据用户的操作顺序地分组;附加消息获取过程，其包括当在所述第一消息组的消息中顺序显示的未显示消息的数量变得小于或等于预定数量时，获取第二消息 组中不同于来自服务器的多个消息中的第一消息组，以及附加消息显示过程，其包括顺序地按照第一消息组的消息显示第二消息组的消息。

公开(公告)号：US20160132863A1

公开(公告)日：2016-05-12

申请号：US14179282

申请日：2014-02-12

Applicant: GOOGLE INC.

Inventor： Ramy Dodin

IPC: G06Q20/32

CPC classification number: G06Q20/3255 ,  G06Q20/02 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/40 ,  G06Q30/04

Abstract: A computer-implemented method of effectuating an electronic on-line payment includes receiving at a computer server system a text message from a payor containing a payment request representing a payment amount sent by a payor device operating independently of the computer server system, determining a payment amount associated with the text message and debiting a payor account for an amount corresponding to the amount of the payment request, and crediting an account of a payee that is independent of the computer server system.

Abstract translation: 实现电子在线支付的计算机实现的方法包括在计算机服务器系统处从包含表示由独立于计算机服务器系统运行的付款人设备发送的支付金额的支付请求的付款人接收文本消息，确定支付 与文本消息相关联的金额以及与付款请求金额对应的金额扣除付款人帐户，并记入独立于计算机服务器系统的收款人的帐户。