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    Systems and methods for processing payment transactions
    3.
    发明授权
    Systems and methods for processing payment transactions 有权
    处理支付交易的系统和方法

    公开(公告)号：US08924300B2

    公开(公告)日：2014-12-30

    申请号：US13627654

    申请日：2012-09-26

    Applicant: First Data Corporation

    Inventor： Vijay Kumar Royyuru

    IPC: G06Q40/00 ,  G06Q20/32 ,  G06Q30/00 ,  G06Q40/02

    CPC classification number: G06Q20/3278 ,  G06Q20/405 ,  G06Q30/00 ,  G06Q40/02

    Abstract: Embodiments of the disclosure can include systems and methods for processing transactions. In one embodiment, a computer-implemented method for processing proposed transactions can be provided. The method can include storing, by a service provider system comprising one or more computers, one or more issuer rules associated with the applicability of one or more payment accounts to proposed transaction; receiving, by the service provider system from a merchant computer, information associated with a proposed transaction, the information comprising one of an identification of a payment account or an identification of a consumer payment device; evaluating, by the service provider system utilizing the one or more issuer rules, the proposed transaction; and determining, by the service provider system based at least in part upon the evaluation, at least one of (i) a payment account to utilize in association with the proposed transaction or (ii) whether the proposed transaction will be approved or denied.

    Abstract translation: 本公开的实施例可以包括用于处理事务的系统和方法。 在一个实施例中，可以提供用于处理所提议的事务的计算机实现的方法。 该方法可以包括由包括一个或多个计算机的服务提供商系统将与一个或多个支付账户的适用性相关联的一个或多个发行者规则存储到所提交的交易中; 由服务提供者系统从商家计算机接收与建议交易相关联的信息，所述信息包括支付帐户的识别或消费者支付设备的标识之一; 由所述服务提供商系统利用所述一个或多个发行者规则来评估所提出的交易; 以及由所述服务提供者系统至少部分地基于所述评估来确定以下中的至少一个：（i）与所述交易相关联地使用的支付账户，或（ii）所述交易是否被批准或被拒绝。

    SYSTEMS AND METHODS FOR FACILITATING BILL PAYMENT FUNCTIONALITY IN MOBILE COMMERCE
    4.
    发明申请
    SYSTEMS AND METHODS FOR FACILITATING BILL PAYMENT FUNCTIONALITY IN MOBILE COMMERCE 审中-公开
    促进移民商业支付功能的系统和方法

    公开(公告)号：US20140100931A1

    公开(公告)日：2014-04-10

    申请号：US14024274

    申请日：2013-09-11

    Applicant: FIRST DATA CORPORATION

    Inventor： J. Scott Sanchez ,  Vijay Kumar Royyuru ,  Brent Dewayne Adkisson ,  Jerome Wendell Myers

    IPC: G06Q20/10 ,  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 bill payment functionality in mobile commerce. In one embodiment, a method can include receiving a transaction code at the mobile device; transmitting the transaction code to a merchant device for association with a transaction; receiving transaction information associated with a transaction based on the transaction code at the mobile device; displaying the transaction information at the mobile device; displaying at least one payment option at the mobile device; receiving a selection of one of the at least one payment option; transmitting the selected payment option and transaction information from the mobile device for approval of the payment of the transaction; receiving notification of approval of the payment at the mobile device; and receiving a payment completion code associated with the notification of approval, wherein the payment completion code is provided to the consumer on a bill associated with the transaction.

    Abstract translation: 本公开涉及用于促进移动商务中的票据支付功能的系统和方法。 在一个实施例中，一种方法可以包括在移动设备处接收交易代码; 将交易代码发送到商家设备以与交易相关联; 基于所述移动设备处的交易代码接收与交易相关联的交易信息; 在移动设备处显示交易信息; 在移动设备上显示至少一个支付选项; 接收所述至少一个支付选项中的一个的选择; 从移动设备发送所选择的支付选项和交易信息以批准交易的支付; 在移动设备处收到批准通知; 以及接收与所述批准通知相关联的付款完成代码，其中所述支付完成代码在与所述交易相关联的账单上提供给所述消费者。

    Systems and Methods for Tokenizing Financial Information
    6.
    发明申请
    Systems and Methods for Tokenizing Financial Information 审中-公开
    证明财务信息的制度和方法

    公开(公告)号：US20130339240A1

    公开(公告)日：2013-12-19

    申请号：US13801494

    申请日：2013-03-13

    Applicant: FIRST DATA CORPORATION

    Inventor： William D. Anderson ,  Vijay Kumar Royyuru ,  Bradley T. Masterson ,  J. Scott Sanchez

    IPC: G06Q20/40

    CPC classification number: G06Q20/40 ,  G06Q20/3223 ,  G06Q20/4014 ,  G06Q40/02

    Abstract: This disclosure describes systems and methods related to authorizing payment transactions using verbal recognition of a customer. In some embodiments, a payment transaction service provider system may receive payment authorization information from a user device. The payment authorization information may include a recording. The payment authorization information may be authenticated based at least in part on the recording. A payment credential may be communicated in response to authenticating the payment authorization information.

    Abstract translation: 本公开描述了使用对客户的口头识别授权支付交易相关的系统和方法。 在一些实施例中，支付交易服务提供商系统可以从用户设备接收支付授权信息。 支付授权信息可以包括记录。 支付授权信息可以至少部分地基于记录来认证。 可以响应于认证支付授权信息来传送支付凭证。

    SYSTEMS AND METHODS FOR FACILITATING CARD PRESENT TRANSACTIONS
    7.
    发明申请
    SYSTEMS AND METHODS FOR FACILITATING CARD PRESENT TRANSACTIONS 审中-公开
    用于促进现有交易卡的系统和方法

    公开(公告)号：US20130198081A1

    公开(公告)日：2013-08-01

    申请号：US13755604

    申请日：2013-01-31

    Applicant: FIRST DATA CORPORATION

    Inventor： Vijay Kumar Royyuru ,  Jerome Wendell Myers ,  Brent Dewayne Adkisson ,  Jeffrey Scott Sanchez

    IPC: G06Q20/32

    CPC classification number: G06Q20/322 ,  G06Q20/20 ,  G06Q20/3223 ,  G06Q20/4097 ,  G06Q20/425

    Abstract: This disclosure describes systems and methods related to facilitating card present transaction. In one embodiment, a service provider system may receive a request from a merchant to initiate a card present transaction associated with a consumer. The service provider system may determine an identifier associated with a mobile device associated with the consumer. The service provider system may communicate to the mobile device, based at least in part on the identifier, a message that facilitates invocation of a transaction module associated with the mobile device. The service provider system may facilitate the car present transaction based at least in part on an interaction with the transaction module.

    Abstract translation: 本公开描述了与促进卡片交易有关的系统和方法。 在一个实施例中，服务提供商系统可以从商家接收请求以发起与消费者相关联的卡片呈现交易。 服务提供商系统可以确定与与消费者相关联的移动设备相关联的标识符。 服务提供商系统可以至少部分地基于标识符向移动设备通信有助于调用与移动设备相关联的交易模块的消息。 至少部分地基于与交易模块的交互，服务提供商系统可以促进汽车呈现交易。

    Systems and methods for mobile device purchase flows
    8.
    发明授权
    Systems and methods for mobile device purchase flows 有权

    公开(公告)号：US10510062B2

    公开(公告)日：2019-12-17

    申请号：US14200645

    申请日：2014-03-07

    Applicant: FIRST DATA CORPORATION

    Inventor： Vijay Kumar Royyuru ,  Brent Dewayne Adkisson ,  Raja Vel ,  Brent Allen Stains ,  Donncha O'Hegarty

    IPC: G06Q40/00 ,  G06Q20/32 ,  G06Q20/40 ,  H04W4/50 ,  H04W4/80

    Abstract: This disclosure describes systems, methods, and computer-readable media related to mobile device purchase flows. In some embodiments, a mobile device may obtain a uniform resource identifier (URI). The mobile device may launch a browser based at least in part on the URI. The mobile device may submit a first set of data to a server based at least in part on the URI and receive a re-direct URI. The mobile device may launch an application in response to receiving the re-direct URI from the server, wherein the application submits a second set of data to the server. The mobile device may facilitate completion of a transaction by the application based at least in part on matching the first set of data and the second set of data at the server.

    Systems and Methods for Facilitating Card Present Transactions
    9.
    发明申请
    Systems and Methods for Facilitating Card Present Transactions 审中-公开

    公开(公告)号：US20190130381A1

    公开(公告)日：2019-05-02

    申请号：US16232917

    申请日：2018-12-26

    Applicant: First Data Corporation

    Inventor： Vijay Kumar Royyuru ,  Jerome Wendell Myers ,  Brent Dewayne Adkisson ,  Jeffrey Scott Sanchez

    IPC: G06Q20/32 ,  G06Q20/42 ,  G06Q20/20 ,  G06Q20/40

    Abstract: This disclosure describes systems and methods related to facilitating card present transaction. In one embodiment, a service provider system may receive a request from a merchant to initiate a card present transaction associated with a consumer. The service provider system may determine an identifier associated with a mobile device associated with the consumer. The service provider system may communicate to the mobile device, based at least in part on the identifier, a message that facilitates invocation of a transaction module associated with the mobile device. The service provider system may facilitate the car present transaction based at least in part on an interaction with the transaction module.

    Systems and methods for facilitating card present transactions
    10.
    发明授权
    Systems and methods for facilitating card present transactions 有权

    公开(公告)号：US10089617B2

    公开(公告)日：2018-10-02

    申请号：US13627670

    申请日：2012-09-26

    Applicant: First Data Corporation

    Inventor： Vijay Kumar Royyuru ,  Todd Nuzum

    IPC: G06Q40/00 ,  G06Q20/32 ,  G06Q30/00 ,  G06Q40/02 ,  G06Q20/40

    Abstract: Embodiments of the disclosure can include systems and methods for facilitating card present transactions. In one embodiment, a computer-implemented method for conducting card present transactions can be provided. The method can include receiving, by a merchant system comprising one or more computers, a request for a card present electronic commerce transaction on behalf of a consumer; determining, by the merchant system, an identifier of a mobile device of the consumer; obtaining, by the merchant system from the mobile device, validation information associated with a payment application stored on the mobile device; and outputting, by the merchant system for communication to an issuer system, a proposed card present transaction and the validation information.

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