利索-全球专利检索

  1. 登录
  2. 注册

搜索结果

50 条记录 (耗时 0.027 秒)

    System and method for secured account numbers in proximity devices
    11.
    发明申请
    System and method for secured account numbers in proximity devices 有权
    邻近设备中安全帐号的系统和方法

    公开(公告)号：US20070055630A1

    公开(公告)日：2007-03-08

    申请号：US11398887

    申请日：2006-04-05

    申请人： Patrick Gauthier ,  Brian Maw ,  Patrick Faith ,  Barbara Patterson

    发明人： Patrick Gauthier ,  Brian Maw ,  Patrick Faith ,  Barbara Patterson

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/385 ,  G06Q20/204 ,  G06Q20/24 ,  G06Q20/327 ,  G06Q20/352 ,  G06Q20/40 ,  G06Q40/02

    摘要： A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.

    摘要翻译： 公开了一种使用安全帐号处理与便携式消费者邻近装置相关联的无线金融交易的接近类型的方法和系统。 在一个实施例中，该方法包括从诸如非接触智能卡的便携式邻近消费者设备接收无线金融交易请求的附近类型以及安全帐号，将担保帐号转换成用户的实际帐号，并且发送 金融交易请求以及用户的实际账号，发给用户的实际账号进行授权和处理。

    Method and system for conducting promotional programs
    13.
    发明授权
    Method and system for conducting promotional programs 有权
    进行宣传活动的方法和制度

    公开(公告)号：US08645204B2

    公开(公告)日：2014-02-04

    申请号：US12909736

    申请日：2010-10-21

    申请人： Barbara Patterson

    发明人： Barbara Patterson

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/02 ,  G06Q20/40 ,  G06Q30/0211 ,  G06Q30/0212 ,  G06Q30/0223 ,  G06Q30/0225 ,  G06Q30/0238 ,  G06Q30/0242

    摘要： A method for using promotional programs and merchant values is disclosed. In one example, the method includes receiving an authorization request message including a merchant verification value through a payment processing network, where the authorization request message is associated with a purchase by a consumer. A merchant-specific promotional program is then determined using the merchant verification value, and the merchant specific promotional program is performed. For example, the promotional program can be a sweepstakes and the task may be determining of the consumer is an instant winner.

    摘要翻译： 公开了使用促销节目和商家价值的方法。 在一个示例中，该方法包括通过支付处理网络接收包括商家验证值的授权请求消息，其中授权请求消息与消费者的购买相关联。 然后使用商家验证值确定特定于商户的促销计划，并且执行商家特定促销程序。 例如，促销计划可以是抽奖活动，任务可能决定消费者是即时获胜者。

    Partial authorization of a financial transaction
    14.
    发明授权
    Partial authorization of a financial transaction 有权
    部分授权金融交易

    公开(公告)号：US08636203B1

    公开(公告)日：2014-01-28

    申请号：US11566596

    申请日：2006-12-04

    申请人： Barbara Patterson ,  Steve Diamond ,  Todd Brockman ,  Richard Pileggi ,  Amy Dalziel

    发明人： Barbara Patterson ,  Steve Diamond ,  Todd Brockman ,  Richard Pileggi ,  Amy Dalziel

    IPC分类号： G06K5/00 ,  G06Q40/00 ,  G07F19/00 ,  G07D11/00

    CPC分类号： G06Q20/405 ,  G06Q20/12 ,  G06Q20/401

    摘要： Embodiments of methods and systems in accordance with the present invention allow partial authorization of a financial transaction. In one embodiment, where a balance of a prepaid card is insufficient to cover the entire amount of a transaction, the issuer of the prepaid card transmits over a payment processing system, approval for only the amount remaining on the card. The transaction can then be completed by the purchaser providing an additional sum from another source, such as a credit card. Such automatic partial authorization in accordance with an embodiment of the present invention avoids the delay and cost associated with having to re-execute the transaction for a less than the entire amount.

    摘要翻译： 根据本发明的方法和系统的实施例允许对金融交易的部分授权。 在一个实施例中，如果预付卡的余额不足以覆盖整个交易量，则预付费卡的发行者通过支付处理系统发送仅批准卡上剩余的金额。 该交易然后可以由买方完成，从另一来源（例如信用卡）提供额外的金额。 根据本发明的实施例的这种自动部分授权避免了与少于整个量重新执行交易相关联的延迟和成本。

    Recurring transaction processing
    15.
    发明授权
    Recurring transaction processing 有权
    经常性交易处理

    公开(公告)号：US08311943B2

    公开(公告)日：2012-11-13

    申请号：US13117503

    申请日：2011-05-27

    申请人： Barbara Patterson

    发明人： Barbara Patterson

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/04 ,  G06Q10/06 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/227 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02

    摘要： Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.

    摘要翻译： 提供了用于处理经常性付款的技术，当消费者被发布用于支付卡等的新帐号时，不要求商家更新消费者帐户信息。 例如，当消费者由发行人发行新的帐号时，新的帐号可以提供给支付处理网络。 支付处理网络中的服务器计算机然后识别与用户的旧帐号相关联的任何经常性付款，并向消费者提供消费者已经建立与旧帐号相关联的经常性支付的商家列表。 然后，消费者有机会选择那些消费者希望使用新帐号继续经常性付款的商家。 然后，支付处理网络在由消费者指定的商家的旧帐号和新帐号之间建立映射，并且继续使用旧的帐户信息来处理从指定的商家收到的定期付款授权请求。 因此，商家不需要对商家维护的消费者帐户信息进行更新，并且向消费者提供容易地选择哪些商家可以使用旧帐号继续处理定期付款的能力。

    RECURRING TRANSACTION PROCESSING
    16.
    发明申请
    RECURRING TRANSACTION PROCESSING 有权
    重新交易处理

    公开(公告)号：US20110295743A1

    公开(公告)日：2011-12-01

    申请号：US13117503

    申请日：2011-05-27

    申请人： Barbara Patterson

    发明人： Barbara Patterson

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/04 ,  G06Q10/06 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/227 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02

    摘要： Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.

    摘要翻译： 提供了用于处理经常性付款的技术，当消费者被发布用于支付卡等的新帐号时，不要求商家更新消费者帐户信息。 例如，当消费者由发行人发行新的帐号时，新的帐号可以被提供给支付处理网络。 支付处理网络中的服务器计算机然后识别与用户的旧帐号相关联的任何经常性付款，并向消费者提供消费者已经建立与旧帐号相关联的经常性支付的商家列表。 然后，消费者有机会选择那些消费者希望使用新帐号继续经常性付款的商家。 然后，支付处理网络在由消费者指定的商家的旧帐号和新帐号之间建立映射，并且继续使用旧的帐户信息来处理从指定的商家收到的定期付款授权请求。 因此，商家不需要对商家维护的消费者帐户信息进行更新，并且向消费者提供容易地选择哪些商家可以使用旧帐号继续处理定期付款的能力。

    ACCOUNT PERMANENCE
    17.
    发明申请
    ACCOUNT PERMANENCE 有权

    公开(公告)号：US20110238576A1

    公开(公告)日：2011-09-29

    申请号：US13072436

    申请日：2011-03-25

    申请人： Barbara Patterson

    发明人： Barbara Patterson

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/385 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/025

    摘要： A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.

    摘要翻译： 一种使用派生帐号标识符的系统和方法。 导出的帐户标识符与单个永久帐户标识符相关联。 每个导出的帐户标识符与通信信道或便携式消费者设备相关联。

    Account permanence
    18.
    发明授权
    Account permanence 有权
    账户持久性

    公开(公告)号：US07937324B2

    公开(公告)日：2011-05-03

    申请号：US12205069

    申请日：2008-09-05

    申请人： Barbara Patterson

    发明人： Barbara Patterson

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/385 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/025

    摘要： A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.

    摘要翻译： 一种使用派生帐号标识符的系统和方法。 导出的帐户标识符与单个永久帐户标识符相关联。 每个导出的帐户标识符与通信信道或便携式消费者设备相关联。