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    TOKEN PROCESSING UTILIZING MULTIPLE AUTHORIZATIONS
    23.
    发明申请
    TOKEN PROCESSING UTILIZING MULTIPLE AUTHORIZATIONS 审中-公开
    使用多个授权的TOKEN处理

    公开(公告)号：US20160232527A1

    公开(公告)日：2016-08-11

    申请号：US15019157

    申请日：2016-02-09

    申请人： Barbara Patterson

    发明人： Barbara Patterson

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/405 ,  G06Q20/401

    摘要： Embodiments of the invention provide for faster and more efficient data processing, and can utilize multiple authorizations and tokens having domain restrictions. The different authorizations may be related, and a related transaction indicator as well as reference data may be included in authorization requests made after an initial authorization.

    摘要翻译： 本发明的实施例提供了更快和更有效的数据处理，并且可以利用具有域限制的多个授权和令牌。 不同的授权可以是相关的，并且相关的交易指示符以及参考数据可以包括在初始授权之后作出的授权请求中。

    ACCOUNT PERMANENCE
    25.
    发明申请
    ACCOUNT PERMANENCE 审中-公开

    公开(公告)号：US20140297534A1

    公开(公告)日：2014-10-02

    申请号：US14306017

    申请日：2014-06-16

    申请人： Barbara Patterson

    发明人： Barbara Patterson

    IPC分类号： G06Q20/38

    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。

    SYSTEM AND METHOD FOR SECURED ACCOUNT NUMBERS IN PROXIMITY DEVICES
    26.
    发明申请
    SYSTEM AND METHOD FOR SECURED ACCOUNT NUMBERS IN PROXIMITY DEVICES 审中-公开
    系统和方法用于临时设备中的安全帐号

    公开(公告)号：US20140249945A1

    公开(公告)日：2014-09-04

    申请号：US14275718

    申请日：2014-05-12

    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： G06Q20/34 ,  G06Q20/38 ,  G06Q20/20

    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
    27.
    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：US07844490B2

    公开(公告)日：2010-11-30

    申请号：US11266766

    申请日：2005-11-02

    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。

    System and Method for Conducting Transactions with a Financial Presentation Device Linked to Multiple Accounts
    28.
    发明申请
    System and Method for Conducting Transactions with a Financial Presentation Device Linked to Multiple Accounts 审中-公开
    与多个账户相关联的财务演示设备进行交易的系统和方法

    公开(公告)号：US20090192904A1

    公开(公告)日：2009-07-30

    申请号：US12358790

    申请日：2009-01-23

    申请人： Barbara Patterson ,  Kelly Alpert ,  Jennifer Schulz ,  Stacy Pourfallah

    发明人： Barbara Patterson ,  Kelly Alpert ,  Jennifer Schulz ,  Stacy Pourfallah

    IPC分类号： G06Q20/00 ,  G06Q40/00 ,  G06Q30/00

    CPC分类号： G06Q20/227 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204

    摘要： System for conducting a financial transaction with a single financial presentation device linked to multiple financial accounts stores financial account information of multiple financial accounts associated with the presentation device, and a set of predetermined rules for determining which of the financial accounts is to be used to conduct a financial transaction. A linked-account processing program receives an authorization request for the financial transaction which has been initiated at a merchant's computer using the presentation device. The program determines whether the presentation device is associated with multiple financial accounts, and if so, selects one account among the multiple linked financial accounts based on the predetermined set of rules, and routes the authorization request to an issuer of the selected financial account.

    摘要翻译： 与多个金融账户相连的单个财务呈现装置进行金融交易的系统存储与呈现装置相关联的多个金融账户的财务账户信息，以及一组用于确定哪个金融账户将被用于执行的预定规则 金融交易。 链接帐户处理程序接收使用呈现装置在商家的计算机上发起的金融交易的授权请求。 该程序确定呈现设备是否与多个财务帐户相关联，如果是，则基于预定的规则集在多个链接的金融账户中选择一个账户，并将授权请求路由到所选择的金融账户的发行者。

    ACCOUNT PERMANENCE
    29.
    发明申请
    ACCOUNT PERMANENCE 有权

    公开(公告)号：US20090076938A1

    公开(公告)日：2009-03-19

    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。

    DETERMINATION OF HEALTHCARE COVERAGE USING A PAYMENT ACCOUNT
    30.
    发明申请
    DETERMINATION OF HEALTHCARE COVERAGE USING A PAYMENT ACCOUNT 有权
    使用付款帐户确定医疗保险

    公开(公告)号：US20080010096A1

    公开(公告)日：2008-01-10

    申请号：US11755713

    申请日：2007-05-30

    申请人： Barbara Patterson ,  Stacy Pourfallah ,  Janet Pruitt ,  Loc Nguyen ,  Nigel Smith

    发明人： Barbara Patterson ,  Stacy Pourfallah ,  Janet Pruitt ,  Loc Nguyen ,  Nigel Smith

    IPC分类号： G06Q40/00

    CPC分类号： G06F19/328 ,  G06F19/00 ,  G06Q40/08

    摘要： Healthcare insurance coverage is determined using an account within a payment processing system. A transmission addressed to the payment processing system is formed including an account number of an account associated with the payment processing system, a description of a healthcare related commodity rendered to a patient deriving healthcare insurance through an insured, and request for a specification of financial responsibility of the insured for the described said healthcare related commodity. A transmission is received from the payment processing system including the requested specification of financial responsibility.

    摘要翻译： 医疗保险覆盖率是使用支付处理系统中的帐户确定的。 构成支付处理系统的传输，包括与支付处理系统相关联的帐户的帐号，通过被保险人提供给患者医疗保险的医疗保健相关商品的描述，以及对财务责任的规定的请求 被保险人所述的医疗相关商品。 从支付处理系统接收到包括所要求的财务责任规范的传输。