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公开(公告)号：US20170330185A1
公开(公告)日：2017-11-16
申请号：US15664597
申请日：2017-07-31
CPC分类号： G06Q20/405 , G06Q20/3224 , G06Q20/385 , G06Q20/40
摘要： Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.
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公开(公告)号：US20130297501A1
公开(公告)日：2013-11-07
申请号：US13888181
申请日：2013-05-06
IPC分类号： G06Q20/40
CPC分类号： G06Q20/405 , G06Q20/3224 , G06Q20/385 , G06Q20/40
摘要： Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.
摘要翻译： 本发明的实施例涉及用于使用受限信息的转换或过滤处理事务的方法，装置，计算机可读介质和系统。 本发明的一个实施例涉及一种方法，包括在位于限制区域外的服务器计算机处接收包括无限制帐户别名的交易请求消息，其中所述无限制帐户别名先前从受限制的帐户标识符转换为所述无限制帐户 位于限制区域的服务器计算机的别名。 位于受限区域之外的服务器计算机可以确定与无限制帐户别名相关联的帐户并处理交易请求消息。 类似的方法可以应用于结算文件，包括转换为受限帐户标识符的无限制帐户别名。 其他实施例涉及从服务请求或其他事务过滤受限信息。
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3.发明授权公开(公告)号：US08055584B2
公开(公告)日：2011-11-08
申请号：US10690394
申请日：2003-10-20
申请人： Justin Monk , Denise Keay , Nathan Darmento , Jan Rhode
发明人： Justin Monk , Denise Keay , Nathan Darmento , Jan Rhode
IPC分类号： G06Q40/00
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/105 , G06Q20/40 , G06Q20/4016 , G06Q20/403 , G06Q20/4037 , G06Q40/00 , G07G3/003
摘要： Systems and methods for monitoring and/or preventing fraud in relation to account acquisition. In some cases, this account acquisition is ongoing in relation to stored value accounts. Some of the methods provide for receiving suspicious activity indications from one or more issuer analysis engines that are operable to monitor activities occurring in relation to various stored value products. A global negative file is maintained including an update of various of the suspicious activities. An activity request is received from a user in relation to a stored value account, and the activity is checked against the global negative file. A response is generated based at least in part on the information accessible from the global negative file.
摘要翻译： 用于监测和/或防止与帐户获取相关的欺诈的系统和方法。 在某些情况下，这种帐户收购是在存储价值账户方面进行的。 一些方法提供从一个或多个发行者分析引擎接收可操作以监视与各种存储值产品相关的活动的可疑活动指示。 维护全球负文件，包括更新各种可疑活动。 从存储值帐户接收用户的活动请求，并针对全局负文件检查活动。 至少部分地基于从全局负文件可访问的信息生成响应。
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4.发明申请Methods and systems for managing integrated credit and stored-value programs 审中-公开管理综合信贷和储值计划的方法和系统公开(公告)号：US20050091153A1
公开(公告)日：2005-04-28
申请号：US10694924
申请日：2003-10-27
申请人： Justin Monk
发明人： Justin Monk
CPC分类号： G07F7/02 , G06Q20/10 , G06Q20/20 , G06Q20/24 , G06Q20/26 , G06Q20/341 , G06Q20/342 , G06Q20/3437 , G06Q20/355 , G06Q20/3572 , G06Q20/363 , G06Q20/4037 , G06Q30/06 , G07F7/025 , G07F7/08 , G07F7/1008
摘要： Methods and systems are provided for generating a combined stored-value and credit instrument. Credit-account parameters to be associated with the instrument are received and a credit account associated with the instrument is established in accordance with the credit-account parameters. Stored-value-account parameters to be associated with the instrument are also received and a stored-value account associated with the instrument is established in accordance with the stored-value-account parameters. The credit account and the stored value are linked and issuance of the instrument is initiated substantially contemporaneously with linking the accounts.
摘要翻译： 提供了用于生成组合的储值和信用工具的方法和系统。 收到与该工具相关联的信用账户参数，并根据信用账户参数确定与该工具相关联的信用账户。 还收到与仪器相关联的存储值帐户参数，并根据存储值帐户参数建立与仪器相关联的存储值帐户。 信用账户和存储价值相关联，并且与账户连接大幅同时开始发行票据。
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5.发明申请公开(公告)号：US20050091116A1
公开(公告)日：2005-04-28
申请号：US10694925
申请日：2003-10-27
申请人： Justin Monk
发明人： Justin Monk
CPC分类号： G07F7/08 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/24 , G06Q20/26 , G06Q20/3572 , G06Q20/363 , G06Q20/40 , G06Q20/4037 , G06Q30/06
摘要： Methods and systems enable a transaction to be processed with a customer at a point of sale with a combined stored-value and credit instrument. A cost for the transaction is received at a point-of-sale device. In addition, instrument-identification information is received identifying an instrument associated with a stored-value account and a credit account. The stored-value account and the credit account were linked substantially contemporaneously with issuance of the instrument to the customer. A request is generated to select a distribution of the cost for the transaction among the stored-value and credit accounts for presentation at the point-of-sale device. Instructions are transmitted from the point-of-sale device to apply the cost for the transaction to the stored-value and credit accounts in accordance with a received response to the request.
摘要翻译： 方法和系统使得可以使用组合的存储值和信用工具在销售点处与客户一起处理交易。 在销售点设备处收到交易成本。 另外，接收到识别与储值帐户和信用账户相关联的工具的仪器识别信息。 存储值账户和信用账户大量同时发送给客户。 产生一个请求，用于选择在存储值和信用账户之间的交易成本的分配，以便在销售点设备处呈现。 指示从销售点设备传送，以根据接收到的请求的响应将交易的成本应用于存储值和信用账户。
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6.发明授权公开(公告)号：US07769689B2
公开(公告)日：2010-08-03
申请号：US10694925
申请日：2003-10-27
申请人： Justin Monk
发明人： Justin Monk
IPC分类号： G06Q40/00
CPC分类号： G07F7/08 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/24 , G06Q20/26 , G06Q20/3572 , G06Q20/363 , G06Q20/40 , G06Q20/4037 , G06Q30/06
摘要： Methods and systems enable a transaction to be processed with a customer at a point of sale with a combined stored-value and credit instrument. A cost for the transaction is received at a point-of-sale device. In addition, instrument-identification information is received identifying an instrument associated with a stored-value account and a credit account. The stored-value account and the credit account were linked substantially contemporaneously with issuance of the instrument to the customer. A request is generated to select a distribution of the cost for the transaction among the stored-value and credit accounts for presentation at the point-of-sale device. Instructions are transmitted from the point-of-sale device to apply the cost for the transaction to the stored-value and credit accounts in accordance with a received response to the request.
摘要翻译： 方法和系统使得可以使用组合的存储值和信用工具在销售点处与客户一起处理交易。 在销售点设备处收到交易成本。 另外，接收到识别与储值帐户和信用账户相关联的工具的仪器识别信息。 存储值账户和信用账户大量同时发送给客户。 产生一个请求，用于选择在存储值和信用账户之间的交易成本的分配，以便在销售点设备处呈现。 指示从销售点设备传送，以根据接收到的请求的响应将交易的成本应用于存储值和信用账户。
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7.发明申请公开(公告)号：US20050086166A1
公开(公告)日：2005-04-21
申请号：US10690394
申请日：2003-10-20
申请人： Justin Monk , Denise Keay , Nathan Darmento , Joan Rhode
发明人： Justin Monk , Denise Keay , Nathan Darmento , Joan Rhode
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/105 , G06Q20/40 , G06Q20/4016 , G06Q20/403 , G06Q20/4037 , G06Q40/00 , G07G3/003
摘要： Systems and methods for monitoring and/or preventing fraud in relation to account acquisition. In some cases, this account acquisition is ongoing in relation to stored value accounts. Some of the methods provide for receiving suspicious activity indications from one or more issuer analysis engines that are operable to monitor activities occurring in relation to various stored value products. A global negative file is maintained including an update of various of the suspicious activities. An activity request is received from a user in relation to a stored value account, and the activity is checked against the global negative file. A response is generated based at least in part on the information accessible from the global negative file.
摘要翻译： 用于监测和/或防止与帐户获取相关的欺诈的系统和方法。 在某些情况下，这种帐户收购是在存储价值账户方面进行的。 一些方法提供从一个或多个发行者分析引擎接收可操作以监视与各种存储值产品相关的活动的可疑活动指示。 维护全球负文件，包括更新各种可疑活动。 从存储值帐户接收用户的活动请求，并针对全局负文件检查活动。 至少部分地基于从全局负文件可访问的信息生成响应。
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8.发明申请Methods and systems for processing transactions for integrated credit and stored-value programs 审中-公开处理综合信贷和储值计划交易的方法和系统公开(公告)号：US20050114217A1
公开(公告)日：2005-05-26
申请号：US10974463
申请日：2004-10-26
申请人： Justin Monk
发明人： Justin Monk
CPC分类号： G07F7/08 , G06Q20/20 , G06Q20/204 , G06Q20/24 , G06Q20/26 , G06Q20/3572 , G06Q20/363 , G06Q20/4037 , G06Q30/06
摘要： A transaction with a customer at a point of sale is processed. A cost for the transaction is received at a point-of-sale device that includes a chip-card communications device. Information is read with the chip-card communications device from a chip card presented by the customer in support of the transaction. The information identifies both a stored-value account and a credit account, and identifies current balances for the stored-value and credit accounts. The accounts were linked substantially contemporaneously with issuance of the chip card to the customer. A request is generated to select a distribution of the cost for the transaction among the accounts for presentation at the point-of-sale device. Updated balances for the accounts are determined in accordance with application of the distribution of the cost for the transaction selected in response to the request. Updated information for the accounts is written to the chip card with the communications device. The updated information identifies the updated balances for the accounts.
摘要翻译： 处理销售点与客户的交易。 在包括芯片卡通信设备的销售点设备处接收到交易的成本。 信息由芯片卡通信设备从客户提供的芯片卡读取以支持交易。 该信息识别存储值帐户和信用账户，并识别存储值和信用账户的当前余额。 这些账户大量同时发行给客户的芯片卡。 产生一个请求，用于在销售点设备之间的帐户之间选择交易成本的分配。 帐户的更新余额根据应用于根据请求选择的交易的成本分配的应用来确定。 帐户的更新信息将通过通信设备写入芯片卡。 更新的信息确定帐户的更新余额。
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9.发明申请Methods and systems for managing integrated credit and stored-value programs 审中-公开管理综合信贷和储值计划的方法和系统公开(公告)号：US20050108130A1
公开(公告)日：2005-05-19
申请号：US10974548
申请日：2004-10-26
申请人： Justin Monk
发明人： Justin Monk
CPC分类号： G07F7/02 , G06Q20/20 , G06Q20/24 , G06Q20/26 , G06Q20/341 , G06Q20/342 , G06Q20/3437 , G06Q20/355 , G06Q20/3572 , G06Q20/363 , G06Q20/4037 , G06Q30/06 , G06Q40/00 , G07F7/025 , G07F7/08 , G07F7/1008
摘要： Methods are provided for producing a chip card for a customer. Credit-account parameters to be associated with the chip card are received. A credit account associated with the chip card is established in accordance with the credit-account parameters. Stored-value-account parameters to be associated with the chip card are also received, and a stored-value account associated with the chip card is established in accordance with the stored-value-account parameters. The credit account and the stored-value account are linked. Information identifying both the stored-value account and the credit account are downloaded onto a chip. The information identifies an initial balance for the stored-value account and an initial balance for the credit account. The chip is installed in the chip card. The chip card is issued to the customer substantially contemporaneously with linking the credit account and the stored-value account.
摘要翻译： 提供了用于为客户生产芯片卡的方法。 接收与芯片卡相关联的信用账户参数。 根据信用账户参数建立与芯片卡相关联的信用账户。 还接收与芯片卡相关联的存储值帐户参数，并且根据存储值帐户参数建立与芯片卡相关联的存储值帐户。 信用账户和存值账户被链接。 识别储值账户和信用账户的信息都被下载到芯片上。 信息确定储值帐户的初始余额和信用账户的初始余额。 芯片安装在芯片卡上。 芯片卡是通过连接信用账户和存值帐户大量同时发给用户的。
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