公开(公告)号：US20140236827A1

公开(公告)日：2014-08-21

申请号：US14199885

申请日：2014-03-06

申请人： Peter Ciurea

发明人： Peter Ciurea

IPC分类号： G06Q20/22

CPC分类号： G06Q20/22 ,  G06Q20/10 ,  G06Q40/02

摘要： A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount.

摘要翻译： 第一种方法包括在计算机设备处接收包括第一商户标识符的授权请求消息。 请求消息还可以包括与帐户相关联的帐户标识符和用于与第一商家进行的第一交易的第一交易金额。 第一种方法还包括由计算机设备确定帐户是否包括与可能用于进行第一交易的第一商家相关联的商户特定货币。 然后可以确定是否存在与帐户中的第一商家相关联的足够的商家特定货币以支付第一交易金额。 如果与第一商户相关联的商家特定货币不足以支付第一交易金额，则帐户中的非特定货币自动应用于第一交易金额的剩余部分。

公开(公告)号：US20130117184A1

公开(公告)日：2013-05-09

申请号：US13720781

申请日：2012-12-19

申请人： Peter Ciurea

发明人： Peter Ciurea

IPC分类号： G06Q20/32

CPC分类号： G06Q20/3224 ,  G06Q20/20 ,  G06Q20/3276 ,  G06Q30/06 ,  G06Q30/0613

摘要： Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction.

摘要翻译： 使用具有照相机的移动电话进行支付交易的系统和方法。 所述系统和方法从所述交易的用户的移动设备接收商家访问设备的图像和可选择的位置数据。 系统和方法还接收与交易相关联的交易信息和与用户帐户相关联的帐户信息。 系统和方法使用该信息来授权或拒绝交易。

公开(公告)号：US20120030047A1

公开(公告)日：2012-02-02

申请号：US13153301

申请日：2011-06-03

申请人： Jacob Fuentes ,  Matthew Dill ,  Greg Trifiletti ,  Peter Ciurea ,  Ayman Hammad

发明人： Jacob Fuentes ,  Matthew Dill ,  Greg Trifiletti ,  Peter Ciurea ,  Ayman Hammad

IPC分类号： G06Q30/06

CPC分类号： G06Q20/32 ,  G06Q20/04 ,  G06Q20/425 ,  G06Q30/0601

摘要： The PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS (“PT”) transform payment token-based purchase orders via PT components into multi-issuer purchase payment funds transfers. In one embodiment, the PT obtains a token arbitration request including unique source-neutral universally-resolvable payment token information from a merchant for processing a purchase order from a user. The PT queries a token database for issuer information on an issuer using the payment token information, and obtains the issuer information. The PT also determines that the user should be queried for payment options based on the issuer information, generates a payment options request, and provides the payment options request to a mobile device of the user. Upon obtaining a response to the payment options request from the mobile device of the user, the PT generates a purchase authorization request based on the payment options and pre-defined settings for issuers to be contacted for processing the purchase order, and provides the generated purchase authorization request to the issuer.

摘要翻译： 付款授权设备，方法和系统（“PT”）通过PT组件将基于付款令牌的采购订单转换为多发行商购买支付资金转帐。 在一个实施例中，PT从商家获得包括来自商家的唯一源中性普遍可解析支付令牌信息的令牌仲裁请求，用于处理来自用户的采购订单。 PT使用支付令牌信息查询令牌数据库中的发行者信息，获得发行者信息。 PT还确定基于发行者信息查询用户的付款选项，生成支付选项请求，并向用户的移动设备提供支付选项请求。 在从用户的移动设备获得对付款选项请求的响应时，PT基于用于处理采购订单的要联系的发行者的支付选项和预定义设置生成购买授权请求，并且提供所生成的购买 对发行人的授权请求。

公开(公告)号：US20110282748A1

公开(公告)日：2011-11-17

申请号：US13085021

申请日：2011-04-12

申请人： Peter Ciurea

发明人： Peter Ciurea

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/0267

摘要： The APPARATUS, METHODS AND SYSTEMS FOR USING A PERSONALIZED DATA REPOSITORY (“PDR”) transform merchant promotional offer inputs and individual user or consumer transaction inputs into targeted promotional offer outputs, which are distributed to individual user or consumers. In one embodiment the method includes a personalized data repository processor-implemented method that includes receiving, over a communications network, communication messages associated with a user's mobile communication device, whereby the communication messages associated with the user's mobile communication device are aggregated and packaged, upon authorization, from the mobile communication device. Merchant promotional offer information corresponding to promotional goods information or promotional services information is received over the communications network. The received user's sale transaction information is then correlated with the received promotional offer information for determining one or more targeted promotional offers based on the promotional goods or promotional services information and the purchased goods or purchased services information. The one or more targeted promotional offers are sent over the communications network to a mobile communication device of the user.

摘要翻译： 使用个人数据记录（“PDR”）的装置，方法和系统将商业促销报价输入和个人用户或消费者交易输入转换成分配给个人用户或消费者的定向促销报价输出。 在一个实施例中，该方法包括个性化数据储存库处理器实现的方法，其包括通过通信网络接收与用户的移动通信设备相关联的通信消息，由此与用户的移动通信设备相关联的通信消息被聚合和打包 授权，从移动通信设备。 通过通信网络接收与促销品信息或促销服务信息相对应的商户促销优惠信息。 然后，接收的用户的销售交易信息与所接收的促销优惠信息相关联，用于基于促销商品或促销服务信息以及购买的商品或购买的服务信息来确定一个或多个有针对性的促销优惠。 一个或多个有针对性的促销优惠通过通信网络发送到用户的移动通信设备。

公开(公告)号：US20110047072A1

公开(公告)日：2011-02-24

申请号：US12851138

申请日：2010-08-05

申请人： Peter Ciurea

发明人： Peter Ciurea

IPC分类号： G06F17/30 ,  G06Q40/00

CPC分类号： G06Q30/02 ,  G06Q20/10

摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording the transactions processed at the transaction handler; and a portal to receive a request from a client device over a network, the request including user data identifying at least one user. The client device has activity data recording activities of the user, and has the capability to determine from the activity data a first value for a first propensity score of the user. The computing apparatus further includes a score evaluator coupled to the data warehouse and the portal to determine a second value for the first propensity score based on transaction data recording payment transactions of the at least one user identified by the user data. The portal is configured to provide information based on the second value in response to the request.

摘要翻译： 一方面，一种计算装置包括：处理事务的事务处理程序; 数据仓库，用于存储记录在事务处理程序处理的事务的事务数据; 以及门户，用于通过网络从客户端设备接收请求，该请求包括标识至少一个用户的用户数据。 客户端设备具有用户的活动数据记录活动，并且具有从活动数据确定用户的第一倾向得分的第一值的能力。 计算装置还包括耦合到数据仓库和门户的分数评估器，以基于记录由用户数据识别的至少一个用户的支付交易的交易数据来确定第一倾向得分的第二值。 门户被配置为基于响应于该请求的第二值来提供信息。

公开(公告)号：US20100114760A1

公开(公告)日：2010-05-06

申请号：US12534800

申请日：2009-08-03

申请人： Raj Sundarasen ,  Ramki Rosanuru ,  Srini Reddi ,  Sharon North ,  Heide Ulrich ,  Peter Ciurea ,  Karteek Patel ,  Sarah Suarez ,  Alistair Duncan ,  Pat Stan ,  Tim Ural

发明人： Raj Sundarasen ,  Ramki Rosanuru ,  Srini Reddi ,  Sharon North ,  Heide Ulrich ,  Peter Ciurea ,  Karteek Patel ,  Sarah Suarez ,  Alistair Duncan ,  Pat Stan ,  Tim Ural

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q20/12 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/20

摘要： A single point of access and an integrated user experience for a set of tools are provided for a payment processing system that includes a transaction handler in communication with issuers and acquirers for the processing of payments from the issuers to the acquirers. The tools include: (i) commercial reporting; (ii) expense management; and (iii) account program management tools that are used by (a) issuers who issue the accounts for the cards to account holders and by (b) the account holders. Multiples services are integrated as relevant to specific audiences through an entitlement process, where a single point access is allowed. Applications, which can be developed and/or hosted independently, are accessible through a common interface.

摘要翻译： 为一种支付处理系统提供单一访问点和综合用户体验，支付处理系统包括与发行者和收单方通信的交易处理程序，用于处理从发行人到收单方的付款。 这些工具包括：（i）商业报告; （ii）费用管理; （iii）由（a）发行人向账户持有人发行账户的发行人和（b）账户持有人使用的账户管理工具。 通过允许单点访问的授权过程将多个服务集成到特定受众的相关内容中。 可以通过公共接口访问可以独立开发和/或托管的应用程序。

公开(公告)号：US20140058949A1

公开(公告)日：2014-02-27

申请号：US14070110

申请日：2013-11-01

申请人： Peter Ciurea

发明人： Peter Ciurea

IPC分类号： G06Q20/40

CPC分类号： G06Q20/40 ,  G06Q40/00

摘要： Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions.

摘要翻译： 提出了使用搜索引擎技术改进认证和风险分析流程的系统和方法。 在一个潜在的实现中，作为用户和商家之间的交易的一部分，在支付处理网络处接收到授权请求消息。 支付处理网络基于与与商家的交易相关联的用户的搜索历史来分析风险。 部分地基于与用户搜索历史相关联的风险进行对认证请求的响应。 在另外的实施例中，用户将搜索引擎注册为用于改进认证的服务的一部分，其中用户接受允许搜索引擎服务器存储搜索和交易数据的隐私设置。 搜索引擎服务器将搜索和交易数据传递到风险分析服务器，以创建可用于验证交易的风险参数。

公开(公告)号：US08364552B2

公开(公告)日：2013-01-29

申请号：US13051837

申请日：2011-03-18

申请人： Peter Ciurea

发明人： Peter Ciurea

IPC分类号： G06Q30/00

CPC分类号： G06Q20/3224 ,  G06Q20/20 ,  G06Q20/3276 ,  G06Q30/06 ,  G06Q30/0613

摘要： Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction.

摘要翻译： 使用具有照相机的移动电话进行支付交易的系统和方法。 所述系统和方法从所述交易的用户的移动设备接收商家访问设备的图像和可选择的位置数据。 系统和方法还接收与交易相关联的交易信息和与用户帐户相关联的帐户信息。 系统和方法使用该信息来授权或拒绝交易。

公开(公告)号：US20110258118A1

公开(公告)日：2011-10-20

申请号：US13084426

申请日：2011-04-11

申请人： Peter Ciurea

发明人： Peter Ciurea

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q40/00

摘要： Systems and methods are presented for improved authentication and risk analysis processes using search engine technology. In one potential implementation, an authorization request message is received at a payment processing network as part of a transaction between a user and a merchant. The payment processing network analyzes risk based on a search history associated with the user involved in the transaction with the merchant. A response to the authentication request is made based in part on the risk associated with the user search history. In further embodiments, a user registers with a search engine as part of a service for improved authentication, where the user accepts privacy settings allowing storage of search and transaction data by a search engine server. The search engine server passes search and transaction data to a risk analysis server for creation of risk parameters which may be used to authenticate transactions.

摘要翻译： 提出了使用搜索引擎技术改进认证和风险分析流程的系统和方法。 在一个潜在的实现中，作为用户和商家之间的交易的一部分，在支付处理网络处接收到授权请求消息。 支付处理网络基于与与商家的交易相关联的用户的搜索历史来分析风险。 部分地基于与用户搜索历史相关联的风险进行对认证请求的响应。 在另外的实施例中，用户将搜索引擎注册为用于改进认证的服务的一部分，其中用户接受允许搜索引擎服务器存储搜索和交易数据的隐私设置。 搜索引擎服务器将搜索和交易数据传递到风险分析服务器，以创建可用于验证交易的风险参数。

公开(公告)号：US20110258075A1

公开(公告)日：2011-10-20

申请号：US13051837

申请日：2011-03-18

申请人： Peter Ciurea

发明人： Peter Ciurea

IPC分类号： G06Q30/00

CPC分类号： G06Q20/3224 ,  G06Q20/20 ,  G06Q20/3276 ,  G06Q30/06 ,  G06Q30/0613

摘要： Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction.

摘要翻译： 使用具有照相机的移动电话进行支付交易的系统和方法。 所述系统和方法从所述交易的用户的移动设备接收商家访问设备的图像和可选择的位置数据。 系统和方法还接收与交易相关联的交易信息和与用户帐户相关联的帐户信息。 系统和方法使用该信息来授权或拒绝交易。