公开(公告)号：US20150262166A1

公开(公告)日：2015-09-17

申请号：US14645231

申请日：2015-03-11

申请人： Shantnu Singh ,  Taurai Tarugarira

发明人： Shantnu Singh ,  Taurai Tarugarira

IPC分类号： G06Q20/34 ,  G06Q20/40

CPC分类号： G06Q20/341 ,  G06Q20/349 ,  G06Q20/3672

摘要： Embodiments are directed to systems and methods related to updating a balance on a portable device through a load transaction process. In some embodiments, a transaction request message with a load indicator contained on a transaction amount data field may be sent from an access device to an issuer. The requested load amount may be contained in another data field. The load indicator in the transaction amount data field may prompt the issuer to recognize the transaction request message as a load transaction message. Thus, clearing and settlement processes need not be performed between the acquirer and the issuer. Upon confirming that a payment account identified in the transaction request message has sufficient funds, the issuer generates a transaction response message approving the load transaction. The transaction response message may include a script for updating the balance on the portable device.

摘要翻译： 实施例涉及与通过负载事务处理更新便携式设备上的天平有关的系统和方法。 在一些实施例中，具有包含在交易金额数据字段上的负载指示符的交易请求消息可以从访问设备发送到发行者。 请求的负载量可以包含在另一个数据字段中。 交易量数据字段中的负载指示符可以提示发行方将交易请求消息识别为负载交易消息。 因此，收单方和发行人之间不需要执行清算和结算流程。 在确认在交易请求消息中识别的支付帐户具有足够的资金时，发行者产生批准负载交易的交易响应消息。 交易响应消息可以包括用于更新便携式设备上的余额的脚本。

公开(公告)号：US08589293B2

公开(公告)日：2013-11-19

申请号：US13651189

申请日：2012-10-12

申请人： Shantnu Singh

发明人： Shantnu Singh

IPC分类号： G06Q40/00

CPC分类号： G06Q20/027 ,  G06Q20/10 ,  G06Q20/3255 ,  G06Q20/3278 ,  G06Q20/40

摘要： Embodiments are directed to methods for routing messages using logically independent recipient identifiers and server computers operable to implement those methods. In one embodiment, an authorization request message is received at the server computer from a sending institution. The authorization request message comprises a non-financial institution identifier and a recipient identifier separate from the non-financial institution identifier, the non-financial institution identifier identifying a non-financial institution, the recipient identifier associated with a recipient, wherein the authorization request message requests authorization for a transaction between a sender and the recipient. The server computer then determines the non-financial institution from a number of different non-financial institutions, routes the authorization request message to the non-financial institution, and receives, from the non-financial institution, an authorization response message, the authorization response message indicating whether or not the transaction is approved.

摘要翻译： 实施例涉及使用逻辑上独立的接收者标识符路由消息的方法和可操作以实现这些方法的服务器计算机。 在一个实施例中，从发送机构在服务器计算机处接收到授权请求消息。 授权请求消息包括非金融机构标识符和与非金融机构标识符分离的接收者标识符，识别非金融机构的非金融机构标识符，与接收者相关联的接收者标识符，其中，授权请求消息 请求发送方和收件人之间的交易授权。 然后，服务器计算机从多个不同的非金融机构确定非金融机构，向非金融机构发送授权请求消息，并从非金融机构接收授权响应消息，授权响应 消息，指示交易是否被批准。

公开(公告)号：US20130023294A1

公开(公告)日：2013-01-24

申请号：US13651189

申请日：2012-10-12

申请人： Shantnu Singh

发明人： Shantnu Singh

IPC分类号： H04W4/14

CPC分类号： G06Q20/027 ,  G06Q20/10 ,  G06Q20/3255 ,  G06Q20/3278 ,  G06Q20/40

摘要： Embodiments are directed to methods for routing messages using logically independent recipient identifiers and server computers operable to implement those methods. In one embodiment, an authorization request message is received at the server computer from a sending institution. The authorization request message comprises a non-financial institution identifier and a recipient identifier separate from the non-financial institution identifier, the non-financial institution identifier identifying a non-financial institution, the recipient identifier associated with a recipient, wherein the authorization request message requests authorization for a transaction between a sender and the recipient. The server computer then determines the non-financial institution from a number of different non-financial institutions, routes the authorization request message to the non-financial institution, and receives, from the non-financial institution, an authorization response message, the authorization response message indicating whether or not the transaction is approved.

摘要翻译： 实施例涉及使用逻辑上独立的接收者标识符路由消息的方法和可操作以实现这些方法的服务器计算机。 在一个实施例中，从发送机构在服务器计算机处接收到授权请求消息。 授权请求消息包括非金融机构标识符和与非金融机构标识符分离的接收者标识符，识别非金融机构的非金融机构标识符，与接收者相关联的接收者标识符，其中，授权请求消息 请求发送方和收件人之间的交易授权。 然后，服务器计算机从多个不同的非金融机构确定非金融机构，向非金融机构发送授权请求消息，并从非金融机构接收授权响应消息，授权响应 消息，指示交易是否被批准。

公开(公告)号：US20110218871A1

公开(公告)日：2011-09-08

申请号：US12893834

申请日：2010-09-29

申请人： Shantnu Singh

发明人： Shantnu Singh

IPC分类号： G06Q40/00 ,  G06Q20/00

CPC分类号： G06Q20/105 ,  G06Q20/10 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/40 ,  G06Q20/409 ,  G06Q40/02

摘要： A system, apparatus, and method for providing and using a payment account or payment device identifier when conducting a transaction. The bank identification number (BIN) is decoupled from the primary account number (PAN) or other form of device identifier when generating the payment account or payment device identifier. The payment account or payment device identifier is used to access information regarding the issuer, with that information being used to route a transaction authorization request message to the appropriate entity.

摘要翻译： 一种用于在进行交易时提供和使用支付帐户或支付设备标识符的系统，装置和方法。 当生成支付帐户或付款设备标识符时，银行身份证号码（BIN）与主账户号码（PAN）或其他形式的设备标识符解耦。 支付帐户或支付设备标识符用于访问关于发行者的信息，该信息用于将交易授权请求消息路由到适当的实体。

公开(公告)号：US20160012416A1

公开(公告)日：2016-01-14

申请号：US14860342

申请日：2015-09-21

申请人： Pankaj Sharma ,  Vikram Modi ,  Shantnu Singh

发明人： Pankaj Sharma ,  Vikram Modi ,  Shantnu Singh

IPC分类号： G06Q20/32 ,  G06Q20/34

CPC分类号： G06Q20/3276 ,  G06Q20/346

摘要： Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.

公开(公告)号：US08812385B2

公开(公告)日：2014-08-19

申请号：US13714045

申请日：2012-12-13

申请人： Bob Joubert ,  Vikram Modi ,  Shantnu Singh ,  Kenneth Cheng ,  Mennie Co So

发明人： Bob Joubert ,  Vikram Modi ,  Shantnu Singh ,  Kenneth Cheng ,  Mennie Co So

IPC分类号： G06Q40/00 ,  G06Q20/10

CPC分类号： G06Q20/105 ,  G06Q20/28 ,  G06Q20/347 ,  G06Q20/385 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/02 ,  G07F7/08

摘要： Embodiments of the invention are directed to apparatuses, systems, and methods that allow for personalized data to be embedded in a primary account number associated with a consumer device. In one embodiment, a consumer device comprises a body and personalized data embedded into a primary account number, associated with the body. The primary account number includes a bank identification number and the bank identification number and the personalized data overlap.

摘要翻译： 本发明的实施例涉及允许将个性化数据嵌入与消费者设备相关联的主帐号中的装置，系统和方法。 在一个实施例中，消费者设备包括身体和嵌入到与身体相关联的主帐号中的个性化数据。 主帐号包括银行识别号码和银行识别号码和个性化数据重叠。

公开(公告)号：US08429048B2

公开(公告)日：2013-04-23

申请号：US12962571

申请日：2010-12-07

申请人： Shantnu Singh

发明人： Shantnu Singh

IPC分类号： G06Q40/00

CPC分类号： G06Q20/0453 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q40/00

摘要： Embodiments of the invention are directed to systems and methods for processing payment transaction receipts. When an authorization request message for a transaction of a consumer is received, it is determined whether an account associated with the consumer's portable consumer device is enrolled in an electronic receipt program. If the account is enrolled, an electronic receipt for the transaction is sent to the consumer.

摘要翻译： 本发明的实施例涉及用于处理支付交易收据的系统和方法。 当接收到用于消费者的交易的授权请求消息时，确定与消费者的便携式消费者设备相关联的帐户是否被登记在电子收据程序中。 如果帐户已经注册，则会将交易的电子收据发送给消费者。

公开(公告)号：US20130048714A1

公开(公告)日：2013-02-28

申请号：US13594433

申请日：2012-08-24

申请人： Pankaj Sharma ,  Vikram Modi ,  Shantnu Singh

发明人： Pankaj Sharma ,  Vikram Modi ,  Shantnu Singh

IPC分类号： G06Q20/30

CPC分类号： G06Q20/3276 ,  G06Q20/346

摘要： Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.

摘要翻译： 本发明的实施例通过将某些移动设备的图像捕获和图像处理能力与基于卡的支付交易基础设施集成来促进支付交易。 在一些实施例中，使用包含在移动设备中的相机来捕获在基板的表面上可见的条形码图像。 条形码可以代表或以其他方式编码支付账户数据，消费者认证数据，消费者资料数据或其他相关信息中的一个或多个。 在一些实施例中，捕捉的图像可以由移动设备处理以提取支付账户数据，认证数据或其他相关数据。 然后，该数据可以被传送到连接到支付处理网络或形成支付处理网络的一部分的数据处理元件，以进行期望的支付交易。

公开(公告)号：US20180349884A1

公开(公告)日：2018-12-06

申请号：US16102327

申请日：2018-08-13

申请人： Pankaj Sharma ,  Vikram Modi ,  Shantnu Singh

发明人： Pankaj Sharma ,  Vikram Modi ,  Shantnu Singh

IPC分类号： G06Q20/32 ,  G06Q20/34

CPC分类号： G06Q20/3276 ,  G06Q20/346

摘要： Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.

公开(公告)号：US10007915B2

公开(公告)日：2018-06-26

申请号：US13356506

申请日：2012-01-23

申请人： Shantnu Singh ,  Michael Dreyer ,  Peter Ciurea ,  James Alan VonDerheide ,  Edward W. Fordyce, III

发明人： Shantnu Singh ,  Michael Dreyer ,  Peter Ciurea ,  James Alan VonDerheide ,  Edward W. Fordyce, III

IPC分类号： G06Q30/00 ,  G06Q20/40 ,  G06Q30/02

CPC分类号： G06Q20/405 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/0233

摘要： A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions.