公开(公告)号：US07967195B2

公开(公告)日：2011-06-28

申请号：US11924828

申请日：2007-10-26

Applicant: John Joseph Mascavage ,  Margaret Morgan Weichert ,  Robert Hogan

Inventor： John Joseph Mascavage ,  Margaret Morgan Weichert ,  Robert Hogan

IPC: G06K5/00 ,  G06K19/00 ,  G06Q40/00 ,  G06Q20/00

CPC classification number: G07F7/08 ,  G06Q20/02 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q40/025

Abstract: A network arrangement is provided for processing credit transactions. A financial network is used to route communications securely between interfaces with the financial network. Merchant systems are coupled with the interfaces, with each merchant system transmitting requests for authorization of credit transactions through the financial network. An issuer system authorizes credit transactions in response to receipt of requests that specify at least a credit account to be used to support a particular credit transaction and a transaction amount for the particular credit transaction. A guarantor system separate from the issuer system determines whether to guarantee credit transactions in response to the requests and transmits responses indicating whether specific credit transactions are to be guaranteed through the financial network to the merchant systems.

Abstract translation: 提供网络安排来处理信用交易。 金融网络用于在与金融网络的接口之间安全地路由通信。 商家系统与接口相结合，每个商家系统通过金融网络传送授权信用交易的请求。 发行人系统授权信用交易，以响应收到指定至少用于支持特定信用交易的信用账户和特定信用交易的交易金额的请求。 与发行人系统分离的担保人系统确定是否根据请求保证信用交易，并发送指示是否通过财务网络向商家系统保证特定信用交易的响应。

公开(公告)号：US07966263B2

公开(公告)日：2011-06-21

申请号：US11695968

申请日：2007-04-03

Applicant: Curt Beeson

Inventor： Curt Beeson

IPC: G06Q20/00

CPC classification number: G06Q20/327 ,  G06K19/0716 ,  G06K19/0723 ,  G06Q20/32 ,  G06Q20/3674 ,  G06Q20/382 ,  H04M1/7253

Abstract: A mobile communications device is described which includes an input sensor, a memory unit, processing unit, and an antenna configured to wirelessly transmit and receive financial account data for a transaction. The antenna is configured to receive a request for data stored on the memory unit, and may also be configured to induce a voltage from a magnetic field to power certain components of the device. The input sensor may control whether the components can be so powered from the magnetic field. Alternatively, input from the input sensor may otherwise control the functionality of the device. By way of example, data representative of an input received by the input sensor may be transmitted in addition to the requested data.

Abstract translation: 描述了一种移动通信设备，其包括输入传感器，存储器单元，处理单元和被配置为无线地发送和接收用于交易的金融账户数据的天线。 天线被配置为接收对存储在存储器单元中的数据的请求，并且还可以被配置为从磁场引起电压以对设备的某些组件供电。 输入传感器可以控制部件是否能够由磁场供电。 或者，来自输入传感器的输入可以另外控制设备的功能。 作为示例，除了所请求的数据之外，还可以发送代表输入传感器接收到的输入的数据。

公开(公告)号：US07966192B2

公开(公告)日：2011-06-21

申请号：US10215877

申请日：2002-08-08

Applicant: Danial Pagliari ,  Carol York ,  Daniel Salvatore ,  Kelley Everetts

Inventor： Danial Pagliari ,  Carol York ,  Daniel Salvatore ,  Kelley Everetts

IPC: G06Q10/00 ,  G06Q50/00

CPC classification number: G06Q20/42 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/389 ,  G06Q50/18 ,  G06Q50/188

Abstract: One embodiment of the invention allows a merchant to obtain a request sent by an investigator for supporting documentation or information and reply with a scanned document in reply to the investigator's request. The investigator can then process the scanned document and/or merchant response and quickly and efficiently resolve a disputed payment transaction.

Abstract translation: 本发明的一个实施例允许商家获得由调查员发送的用于支持文档或信息的请求，并且回复扫描的文档以回答调查者的请求。 然后，调查员可以处理扫描的文档和/或商家响应，并快速有效地解决有争议的支付交易。

公开(公告)号：US07959069B2

公开(公告)日：2011-06-14

申请号：US11936376

申请日：2007-11-07

Applicant: Cheryl Phillips ,  David Smith

Inventor： Cheryl Phillips ,  David Smith

IPC: G06F17/60

CPC classification number: G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q30/04 ,  G06Q40/02 ,  G07F7/04 ,  G07G1/12

Abstract: Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service.

Abstract translation: 用于通过与商家相关联的位置基础设备电子处理应收账款（AR）来检查交易的系统和方法。 诸如销售点（POS）设备的位置基础设备可以被配置为执行便于处理AR检查的各种功能。 这样的功能可以包括改进的用户界面，处理重复输入参数的能力，处理多个商家标识符的能力，生成多个接收类型的能力，编辑检查事务的能力，管理设备的吞吐量的能力，以及 允许扫描不同类型的检查以允许根据支票的类型使扫描的检查的后续处理不同的能力。 以前述方式中的一个或多个配置的位置基设备有利于由检查处理服务执行的检查授权处理。

公开(公告)号：US07885878B2

公开(公告)日：2011-02-08

申请号：US12128229

申请日：2008-05-28

Applicant: Keith A. Newbrough

Inventor： Keith A. Newbrough

IPC: G06Q40/00

CPC classification number: G06Q20/354 ,  G06Q20/18 ,  G06Q20/204 ,  G06Q20/355 ,  G06Q20/367 ,  G06Q20/3678 ,  G06Q20/38 ,  G06Q40/00 ,  G07F7/02

Abstract: Systems and methods are provided for activating a payment account. The payment account is associated with two identifiers. A payment instrument is provided as having the two identifiers. A first identifier is read at a first point of sale device to activate the payment account. A second identifier is read by a radio frequency identification reader at a second point of sale device to access funds in the payment account. The first point of sale device may not be capable of reading the second identifier.

Abstract translation: 提供系统和方法来激活支付帐户。 付款帐户与两个标识符相关联。 提供付款工具具有两个标识符。 在第一销售点设备读取第一标识符以激活支付账户。 第二标识符由射频识别读取器在第二销售点设备读取以访问支付账户中的资金。 第一个销售点设备可能无法读取第二个标识符。

公开(公告)号：US07845558B2

公开(公告)日：2010-12-07

申请号：US12268839

申请日：2008-11-11

Applicant: Layne D Beemer ,  Christopher L Toomer ,  Steven E Arthur

Inventor： Layne D Beemer ,  Christopher L Toomer ,  Steven E Arthur

IPC: G06K7/10

CPC classification number: G07F7/1008 ,  G06Q20/3276 ,  G06Q20/346 ,  G09C5/00 ,  H04L9/3226 ,  H04L2209/56 ,  H04L2209/80 ,  H04M1/2755 ,  H04M1/72561 ,  H04M2250/52

Abstract: A three dimensional (3d) bar code can be affixed to a financial instrument (e.g., the credit card) sent to a consumer. Upon receiving the financial instrument, the consumer can acquire an image of the 3D bar code with an image capture device (e.g., a camera) of a mobile device. The mobile device can interpret or decode the 3D bar code to extract a web address. The mobile device may then send a request for a web page associated with the web address, which could be returned by the web server at the financial institution. The web page may allow the consumer to enter personal information. Upon receiving the personal information, the financial institution can verify the information, authenticate the consumer, and activate the financial account.

Abstract translation: 可以将三维（3d）条形码贴到发送给消费者的金融工具（例如，信用卡）上。 在接收到金融工具时，消费者可以使用移动设备的图像捕获设备（例如，照相机）获取3D条形码的图像。 移动设备可以解读或解码3D条形码以提取网址。 然后，移动设备可以发送与web地址相关联的网页的请求，该网页可以由网络服务器在金融机构返回。 该网页可以允许消费者输入个人信息。 在收到个人信息后，金融机构可以验证信息，认证消费者，激活财务账户。

公开(公告)号：US07831519B2

公开(公告)日：2010-11-09

申请号：US10997770

申请日：2004-11-23

Applicant: Brian T. Kean

Inventor： Brian T. Kean

IPC: G06Q20/00 ,  G06Q30/00

CPC classification number: G06Q20/327 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q30/0238 ,  G07F7/1016

Abstract: Methods and systems are provided for processing secure transactions. An electromagnetic transmission packet is received from a portable device at a processing device. The electromagnetic transmission packet includes an encrypted magnetic-stripe image and an encrypted version of an alphanumerical identifier. A keyed nonencrypted version of the alphanumerical identifier is received at the processing device, and the encrypted version of the alphanumerical identifier is decrypted. The decryption of the encrypted version of the alphanumerical identifier is compared with the nonencrypted version of the alphanumerical identifier. Thereafter, a decryption of the encrypted magnetic-stripe image is transmitted to a host system for processing the secure transaction using an account identified by the decryption of the magnetic-stripe image.

Abstract translation: 提供了用于处理安全事务的方法和系统。 在处理设备处从便携式设备接收电磁传输分组。 电磁传输分组包括加密的磁条图像和字母数字标识符的加密版本。 在处理设备处接收字母数字标识符的密钥非加密版本，并解密加密版本的字母数字标识符。 将加密版本的字母数字标识符的解密与字母数字标识符的非加密版本进行比较。 此后，将加密磁条图像的解密发送到主机系统，以使用由磁条图像的解密识别的帐户处理安全交易。

公开(公告)号：US07822640B2

公开(公告)日：2010-10-26

申请号：US11419413

申请日：2006-05-19

Applicant: Steven E. Arthur ,  Bret M. Esslinger

Inventor： Steven E. Arthur ,  Bret M. Esslinger

IPC: G06Q20/00

CPC classification number: G06Q20/20 ,  G06Q20/204 ,  G06Q20/354 ,  G06Q30/02

Abstract: According to one embodiment of the invention, a method of activating a plurality of gift cards utilizes a package of multiple presentation instruments. Each presentation instrument includes a unique presentation instrument identifier used to associate funds with the presentation instrument. Also, the package includes a package identifier. In one step, the package identifier is read from the package and is transmitted over an electronic network to a host computer system which evaluates the package identifier to determine whether the package identifier is valid. If so, each of the presentation instruments in the package is activated for a certain activation amount.

Abstract translation: 根据本发明的一个实施例，激活多个礼品卡的方法利用多个呈现工具的包装。 每个演示文稿包括用于将资金与演示文稿相关联的独特的演示文稿标识符。 此外，该包还包括一个包标识符。 在一个步骤中，从包装中读取包装标识符，并通过电子网络传送到主计算机系统，该主机计算机系统评估包装标识符以确定包装标识符是否有效。 如果是这样，包中的每个演示乐器被激活一定的激活量。

公开(公告)号：US20100268645A1

公开(公告)日：2010-10-21

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：US20100258623A1

公开(公告)日：2010-10-14

申请号：US12423633

申请日：2009-04-14

Applicant: Layne D. Beemer ,  Ronald L. Prchal

Inventor： Layne D. Beemer ,  Ronald L. Prchal

IPC: G06K5/00 ,  G06K19/00

CPC classification number: B42D25/405 ,  B42D25/29 ,  B42D25/485 ,  B42D2035/08 ,  G06K5/02 ,  G06Q20/355 ,  G07F7/08

Abstract: Systems and methods for producing a presentation instrument involve receiving an image file having an account number stamp, and producing the image file onto a piece of stock material, such that a visible account number corresponding to the account number stamp is created on the stock material. The visible account number is scanned with a reader. An account number record is encoded onto a presentation instrument, and compared with the scanned visible account number.

Abstract translation: 用于制作演示文稿的系统和方法涉及接收具有帐号印记的图像文件，并且将图像文件生成到一块原料上，使得在库存材料上创建对应于帐号印记的可见帐号。 用读卡器扫描可见的帐号。 帐号记录被编码到演示文稿上，并与扫描的可见帐号进行比较。