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    Method and system for facilitating payment transactions using access devices
    104.
    发明授权
    Method and system for facilitating payment transactions using access devices 有权
    使用接入设备促进支付交易的方法和系统

    公开(公告)号：US07280981B2

    公开(公告)日：2007-10-09

    申请号：US10229959

    申请日：2002-08-27

    申请人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

    发明人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/06 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/04 ,  G06Q20/045 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/223 ,  G06Q20/26 ,  G06Q20/32 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/12 ,  G07F7/08

    摘要： A payment system for facilitating a payment transaction between a payer and a payee is disclosed. The payment system includes a payer access device, a payee access device, and a services hub. The services hub is configured to communicate with the payer device and the payee device; maintain information relating to a payer account and access device information associated with the payer account, the payer account being linked to the access device; generate a tracer ticket in response to a request issued by the payer using either the payer device or the payee device, the tracer ticket containing information relating to the payment transaction; validate the access devices; and authorize the payment transaction against the payer account through conventional payment processing systems. Upon receiving the request from the payee device for the tracer ticket, the services hub generates the tracer ticket and forwards a copy thereof to the payer via the payee device. Upon receiving the copy of the tracer ticket, the payer uses the payer device to communicate with the services hub and forward the received copy of the tracer ticket to the services hub. The services hub then validates the payer device based on the access device information. Upon validation of the payer device, the services hub checks the copy of the tracer ticket forwarded by the access device against the previously generated tracer ticket. If the copy of the tracer ticket forwarded by the access device corresponds to the previously generated tracer ticket, the services hub authorizes the payment transaction against the payer account.

    摘要翻译： 公开了一种用于促进付款人和收款人之间的支付交易的支付系统。 支付系统包括付款人访问设备，收款人访问设备和服务集线器。 服务集线器被配置为与付款机设备和收款机设备进行通信; 维护与付款人帐户相关的信息和访问与付款人帐户相关联的设备信息，付款者帐户被链接到访问设备; 响应于付款人使用付款人设备或收款人设备发出的请求，产生示踪者票据，该追踪票单包含与付款交易有关的信息; 验证访问设备; 并通过常规支付处理系统授权支付账户。 服务中心收到来自收款人设备的示踪者票据请求后，生成示踪票单，并通过收款人设备将其副本转发给付款人。 付款人在收到示踪者票据的副本后，使用付款人设备与服务中心进行通信，并将接收到的示踪程序的副本转发到服务中心。 服务中心然后基于访问设备信息来验证付款者设备。 在付款者设备的验证之后，服务集线器检查由接入设备转发的针对先前生成的示踪路由器的跟踪证件的副本。 如果由访问设备转发的示踪程序票据的副本对应于先前生成的示踪程序，则服务中心授权对付款人帐户的支付交易。

    Adaptive gateway for switching transactions and data on unreliable networks using context-based rules
    106.
    发明申请
    Adaptive gateway for switching transactions and data on unreliable networks using context-based rules 有权
    自适应网关，用于使用基于上下文的规则切换不可靠网络上的事务和数据

    公开(公告)号：US20070005774A1

    公开(公告)日：2007-01-04

    申请号：US11171516

    申请日：2005-06-29

    申请人： Thakur Singh ,  Sara Garrison ,  Mark Carlson ,  Rosauro Manansala ,  Kamlakar Singh

    发明人： Thakur Singh ,  Sara Garrison ,  Mark Carlson ,  Rosauro Manansala ,  Kamlakar Singh

    IPC分类号： G06F15/16

    CPC分类号： H04L63/0263 ,  H04L63/20 ,  H04L67/28 ,  H04L67/2823 ,  H04L67/327

    摘要： Application level switching of transactions at a gateway is provided. The gateway is configured to switch the transaction based on the application level content, a current state of a transport environment, and/or dynamic rules for switching transactions. For example, several possible service providers can be selected for the type of transaction, and the gateway can monitor not only the round-trip time through the network(s) to different possible service providers, but also the time required to complete the transaction at the application level and return a response. The application is chosen on the sending side of the network, and application level formatting is done on the sending side as well. The gateway uses modular code and data, and separate instances of processing code to allow dynamic updating. Rules for application service selection can be selectively uploaded to the gateway from a client. The rules for different available application services can be distributed across different gateways.

    摘要翻译： 提供了网关交易的应用级别切换。 网关被配置为基于应用级内容，传输环境的当前状态和/或用于切换事务的动态规则来切换事务。 例如，可以为交易类型选择几个可能的服务提供商，并且网关不仅可以监视通过网络到不同的可能的服务提供商的往返时间，还可以监视在不同的可能服务提供商处完成交易所需的时间 应用程序级别并返回响应。 应用程序在网络的发送端选择，应用层级格式也在发送端进行。 网关使用模块化代码和数据，以及处理代码的单独实例以允许动态更新。 用于应用服务选择的规则可以从客户端选择性地上传到网关。 不同可用应用服务的规则可以分布在不同的网关之间。

    Method and system for providing interactive cardholder rewards image replacement
    109.
    发明申请
    Method and system for providing interactive cardholder rewards image replacement 有权
    提供交互式持卡人奖励图像更换的方法和系统

    公开(公告)号：US20050058427A1

    公开(公告)日：2005-03-17

    申请号：US10661380

    申请日：2003-09-12

    申请人： Loc Nguyen ,  Bryan Shimko ,  Liane Redford ,  James Gordon ,  Kim Madore ,  Marc Black ,  James Mazour ,  Michael Salters ,  Glenda Berg

    发明人： Loc Nguyen ,  Bryan Shimko ,  Liane Redford ,  James Gordon ,  Kim Madore ,  Marc Black ,  James Mazour ,  Michael Salters ,  Glenda Berg

    IPC分类号： G06F20060101 ,  G06F7/00 ,  G06G1/12 ,  G06K5/00 ,  G06K15/00 ,  G07F7/10 ,  G07F7/12 ,  H04K1/00 ,  H04L9/00 ,  H04N5/781

    CPC分类号： G07F7/1008 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q20/4093 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0226 ,  G07F7/08 ,  G07F7/12 ,  G07F7/122

    摘要： A system for facilitating image management for portable devices is disclosed. The system includes a host configured to maintain information relating to a first portable device and a second portable device and an interface device configured to communicate with the host and the first and second portable devices. The interface device includes control logic configured to: determine whether the first portable device is valid for image synchronization using information provided by the host; and if it is determined that the first portable device is valid for image synchronization, record an image of the first portable device, determine whether the second portable device is valid for image synchronization, and download an image of the first portable device to the second portable device if it is determined that the second portable device is valid for image synchronization. The interface device further includes control logic configured to: determine whether the second portable device is valid for image replacement using information provided by the host, and if it is determined that the second portable device is valid for image replacement, retrieve an image of the first portable device and download the retrieved image to the second portable device. The interface device also includes control logic configured to: determine whether the second portable device includes additional information that is not included in the image of the first portable device, and if it is determined that the second portable device includes the additional information, concatenate the additional information with the image of the first portable device, and download the concatenated additional information and image of the first portable device onto the second portable device. The interface device concatenates the additional information and the image of the first portable device based on a set of conflict resolution rules.

    摘要翻译： 公开了一种促进便携式设备的图像管理的系统。 该系统包括被配置为维护与第一便携式设备和第二便携式设备相关的信息的主机以及被配置为与主机以及第一和第二便携式设备进行通信的接口设备。 接口装置包括控制逻辑，其被配置为：使用由主机提供的信息确定第一便携式设备是否对图像同步有效; 并且如果确定第一便携式设备对于图像同步有效，则记录第一便携式设备的图像，确定第二便携式设备是否对图像同步有效，并且将第一便携式设备的图像下载到第二便携式设备 如果确定第二便携式设备对于图像同步有效，则设备。 接口装置还包括控制逻辑，其被配置为：使用由主机提供的信息来确定第二便携式设备是否对图像替换有效，并且如果确定第二便携式设备对于图像替换有效，则检索第一 并将检索到的图像下载到第二便携式设备。 接口设备还包括控制逻辑，其被配置为：确定第二便携式设备是否包括未包括在第一便携式设备的图像中的附加信息，以及如果确定第二便携式设备包括附加信息，则连接附加信息 具有第一便携式设备的图像的信息，并将第一便携式设备的连接的附加信息和图像下载到第二便携式设备上。 接口设备基于一组冲突解决规则连接第一便携式设备的附加信息和图像。

    Method and system for facilitating payment transactions using access devices
    110.
    发明申请
    Method and system for facilitating payment transactions using access devices 有权
    使用接入设备促进支付交易的方法和系统

    公开(公告)号：US20040044621A1

    公开(公告)日：2004-03-04

    申请号：US10229959

    申请日：2002-08-27

    申请人： VISA U.S.A., Inc.

    发明人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

    IPC分类号： G06F017/60

    CPC分类号： G06Q30/06 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/04 ,  G06Q20/045 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/223 ,  G06Q20/26 ,  G06Q20/32 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/12 ,  G07F7/08

    摘要： A payment system for facilitating a payment transaction between a payer and a payee is disclosed. The payment system includes a payer access device, a payee access device, and a services hub. The services hub is configured to communicate with the payer device and the payee device; maintain information relating to a payer account and access device information associated with the payer account, the payer account being linked to the access device; generate a tracer ticket in response to a request issued by the payer using either the payer device or the payee device, the tracer ticket containing information relating to the payment transaction; validate the access devices; and authorize the payment transaction against the payer account through conventional payment processing systems. Upon receiving the request from the payee device for the tracer ticket, the services hub generates the tracer ticket and forwards a copy thereof to the payer via the payee device. Upon receiving the copy of the tracer ticket, the payer uses the payer device to communicate with the services hub and forward the received copy of the tracer ticket to the services hub. The services hub then validates the payer device based on the access device information. Upon validation of the payer device, the services hub checks the copy of the tracer ticket forwarded by the access device against the previously generated tracer ticket. If the copy of the tracer ticket forwarded by the access device corresponds to the previously generated tracer ticket, the services hub authorizes the payment transaction against the payer account.

    摘要翻译： 公开了一种用于促进付款人和收款人之间的支付交易的支付系统。 支付系统包括付款人访问设备，收款人访问设备和服务集线器。 服务集线器被配置为与付款机设备和收款机设备进行通信; 维护与付款人帐户相关的信息和访问与付款人帐户相关联的设备信息，付款者帐户被链接到访问设备; 响应于付款人使用付款人设备或收款人设备发出的请求，产生示踪者票据，该追踪票单包含与付款交易有关的信息; 验证访问设备; 并通过常规支付处理系统授权支付账户。 服务中心收到来自收款人设备的示踪者票据请求后，生成示踪票单，并通过收款人设备将其副本转发给付款人。 付款人在收到示踪者票据的副本后，使用付款人设备与服务中心进行通信，并将接收到的示踪程序的副本转发到服务中心。 服务中心然后基于访问设备信息来验证付款者设备。 在付款者设备的验证之后，服务集线器检查由接入设备转发的针对先前生成的示踪路由器的跟踪证件的副本。 如果由访问设备转发的示踪程序票据的副本对应于先前生成的示踪程序票据，则服务中心根据付款人帐户授权支付交易。