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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：US20150348012A1
公开(公告)日：2015-12-03
申请号：US14729393
申请日：2015-06-03
Applicant: FIRST DATA CORPORATION
Inventor： Michael Hursta
CPC classification number: G06Q20/342 , G06Q20/28
Abstract: Systems, methods, and computer-readable media are disclosed for managing funds. Example methods may include receiving an indication of a monetary funds value from a merchant, the monetary funds value associated with a universal fund item. The method may include receiving an activation indication indicating that the universal fund item is activated, creating a non-allocated account in which to place monetary funds, and associating the non-allocated account with the universal fund item. The method may include receiving registration information from a user account, associating the non-allocated account with the user account, and generating a set of merchants at which monetary funds can be allocated. The method may include receiving a selection of one or more merchants at which to allocate a portion of the monetary funds, and allocating the portion to the selected merchant, such that the portion is redeemable at the selected merchant via the universal fund item.
Abstract translation: 公开了用于管理资金的系统，方法和计算机可读介质。 示例性方法可以包括从商家接收货币资金价值的指示，与普通基金项目相关联的货币资金值。 该方法可以包括：接收表示普遍基金项目被激活的激活指示，创建一个未分配的账户以放置货币资金，以及将未分配的账户与普通基金项目相关联。 该方法可以包括从用户帐户接收注册信息，将未分配的帐户与用户帐户相关联，以及生成可以分配货币资金的一组商家。 该方法可以包括接收一个或多个商户的选择，在该商户处分配货币资金的一部分，以及将该部分分配给所选择的商家，使得该部分可以通过普遍基金项目在所选择的商家兑换。
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公开(公告)号：US10083433B2
公开(公告)日：2018-09-25
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.
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