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    Secondary verification
    1.
    发明授权
    Secondary verification 有权
    次要验证

    公开(公告)号：US08740067B1

    公开(公告)日：2014-06-03

    申请号：US13407904

    申请日：2012-02-29

    申请人： Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal ,  Amit Bhosle

    发明人： Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal ,  Amit Bhosle

    IPC分类号： G06K5/00

    CPC分类号： G06Q20/42 ,  G06Q20/35785 ,  G06Q20/4014

    摘要： Disclosed are various embodiments for implementing secondary verification of user accounts through the use of near field communication devices. A first account code and first verification code are stored in a memory accessible to a computing device, wherein the first account code is associated with a payment instrument. A second account code is received in a charge request from a transaction client. A second verification code is further obtained from a client device. A determination is made as to whether to approve charging of an account based at least on whether the second verification code received in the computing device matches the first verification code.

    摘要翻译： 公开了通过使用近场通信设备来实现用户帐户的二次验证的各种实施例。 第一帐户代码和第一验证码存储在计算设备可访问的存储器中，其中第一帐户代码与支付工具相关联。 来自交易客户端的收费请求中收到第二个帐号。 从客户端设备进一步获得第二验证码。 至少基于在计算设备中接收的第二验证码是否匹配第一验证码，确定是否批准帐户的计费。

    Dynamic Payment Card
    2.
    发明申请
    Dynamic Payment Card 审中-公开
    动态支付卡

    公开(公告)号：US20130228616A1

    公开(公告)日：2013-09-05

    申请号：US13411150

    申请日：2012-03-02

    申请人： Amit Bhosle ,  Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal

    发明人： Amit Bhosle ,  Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal

    IPC分类号： G06K19/073 ,  G06K19/06 ,  G06F17/00

    CPC分类号： G06Q20/227 ,  G06Q20/341 ,  G06Q20/354 ,  G07F7/1008

    摘要： Disclosed are various embodiments for the creation of a payment card that is programmable by a user in order to access one or more accounts from multiple financial institutions and/or other institutions. The payment card includes an account selection application that facilitates selection of one of the transaction accounts associated with the payment card. A processor circuit then determines a code that corresponds with the respective one of the transaction accounts and facilitates the embodiment of the corresponding code to a dynamic magnetic strip located on the payment card.

    摘要翻译： 公开了用于创建可由用户编程以便从多个金融机构和/或其他机构访问一个或多个账户的支付卡的各种实施例。 支付卡包括便于选择与支付卡相关联的一个交易账户的账户选择应用程序。 处理器电路然后确定与交易账户中的相应一个相对应的代码，并且将对应代码的实施方式便于位于支付卡上的动态磁条。

    Charge Allocation and Distribution
    4.
    发明申请
    Charge Allocation and Distribution 审中-公开
    费用分配和分配

    公开(公告)号：US20130232067A1

    公开(公告)日：2013-09-05

    申请号：US13411113

    申请日：2012-03-02

    申请人： Amit Bhosle ,  Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal

    发明人： Amit Bhosle ,  Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/04 ,  G06Q20/085 ,  G06Q20/227 ,  G06Q20/405 ,  G06Q40/02

    摘要： Disclosed are various embodiments for facilitating the creation of allocation rules for distributing charges to one or more accounts associated with a payment instrument. The charge distribution application accesses allocation rules that are used to determine a charge distribution allocation for linked accounts associated with a master account identified in a charge request. The charge distribution application specifies a percentage of the amount indicated in the charge request to charge to one or more of the linked accounts. The charge distribution application charges up to the total amount specified in the charge request to one or more of the accounts depending on the applicable charge distribution allocation.

    摘要翻译： 公开了用于促进创建用于向与支付工具相关联的一个或多个帐户分发费用的分配规则的各种实施例。 费用分配应用程序访问用于确定与在收费请求中识别的主账户相关联的链接帐户的费用分配分配的分配规则。 收费分配应用程序指定收费请求中指示的金额的百分比，以向一个或多个链接的帐户收取费用。 收费分配应用程序根据适用的费用分配分配收费到一个或多个帐户的收费请求中指定的总金额。