公开(公告)号：US20160063201A1

公开(公告)日：2016-03-03

申请号：US14843508

申请日：2015-09-02

申请人： StoneEagle Services, Inc.

发明人： Robert M. Allen ,  Richard A. Maxwell

IPC分类号： G06F19/00 ,  G06Q20/40 ,  G06Q50/22 ,  G06Q20/34

CPC分类号： G06F19/328 ,  G06Q20/102 ,  G06Q20/351 ,  G06Q20/4018 ,  G06Q50/22

摘要： A payment processor acting on behalf of a third party administrator to make payment on an adjudicated claim makes a straight through payment to an acquirer for a health care provider's merchant account. Via the authorization process, the payment processor generates an authorization code which is returned to the health care provider on its merchant statement for the payment. Concurrently, the remittance advice from the third party administrator is linked to the same authorization code as the payment by the payment processor which sends the advice in an 835-formatted transmission to the health care provider. Thus, the remittance advice may be linked (reconciled) with the payment on the merchant statement by the common authorization code.

公开(公告)号：US20160027017A1

公开(公告)日：2016-01-28

申请号：US14337961

申请日：2014-07-22

申请人： Mahesh Chitragar

发明人： Mahesh Chitragar

IPC分类号： G06Q20/40 ,  G06Q20/32 ,  G06Q20/20 ,  G06Q20/38

CPC分类号： G06Q20/4018 ,  G06Q20/202 ,  G06Q20/3274 ,  G06Q20/3829 ,  G06Q20/4014 ,  G06Q2220/00

摘要： A method for using dynamic CVV in QR code payments is described. The method comprises generating a random number, via a payment module, on a mobile device for a mobile transaction, authenticating user account information, and decrypting encrypted user data when the user account information is authenticated. The method also comprises retrieving a user account unique key, determining a counter number via an application transaction counter, and generating a dynamic verification code, via the payment module, based on the generated random number, the user data, the counter number, and the user account unique key. The method further comprises generating track data, the track data comprising the user data, the random number, and the dynamic verification code, generating a two-dimensional matrix barcode from the track data, and displaying, via the payment module, the generated matrix barcode to a sales terminal for the mobile transaction.

摘要翻译： 描述了在QR码支付中使用动态CVV的方法。 该方法包括通过支付模块在用于移动交易的移动设备上生成随机数，验证用户帐户信息，以及当用户帐户信息被认证时解密加密的用户数据。 该方法还包括检索用户帐户唯一密钥，经由应用事务计数器确定计数器号码，以及经由支付模块基于生成的随机数，用户数据，计数器号和 用户帐号唯一键。 该方法还包括产生轨道数据，包括用户数据的轨道数据，随机数和动态验证码，从轨道数据生成二维矩阵条形码，以及经由支付模块显示生成的矩阵条形码 到移动交易的销售终端。

公开(公告)号：US09245268B1

公开(公告)日：2016-01-26

申请号：US14327766

申请日：2014-07-10

申请人： Bank of America Corporation

发明人： Amanda J. Adams ,  Lawrence R. LaBella

IPC分类号： G06K5/00 ,  G06Q20/40 ,  G06Q20/34

CPC分类号： G06F17/30495 ,  G06Q20/34 ,  G06Q20/355 ,  G06Q20/401 ,  G06Q20/4018

摘要： A card validation system receives a request to validate a card and receives one or more received cell values corresponding to one or more cell identifiers of a card validation matrix. The system determines one or more stored cell values corresponding to the one or more cell identifiers of the card validation matrix. The system compares the received cell values to the one or more stored cell values. Based at least in part upon the comparison, the system determines whether the card is validated.

摘要翻译： 卡验证系统接收验证卡并且接收对应于卡验证矩阵的一个或多个小区标识符的一个或多个接收到的小区值的请求。 系统确定与卡验证矩阵的一个或多个小区标识符对应的一个或多个存储的小区值。 系统将接收的单元格值与一个或多个存储的单元格值进行比较。 至少部分地基于比较，系统确定该卡是否被验证。

公开(公告)号：US09177309B2

公开(公告)日：2015-11-03

申请号：US13496413

申请日：2010-09-22

申请人： Haruhiko Fujii

发明人： Haruhiko Fujii

IPC分类号： G06Q40/00 ,  G06Q20/32 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/16 ,  G06Q20/20 ,  G06Q20/30 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q20/42

CPC分类号： G06Q20/322 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/16 ,  G06Q20/20 ,  G06Q20/305 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/363 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/4018 ,  G06Q20/42

摘要： A secure electronic settlement by an easy operation is enabled even with any terminal device and any network in any country. Balance information of a user, predetermined voice information that can identify a user, an arbitrary keyword, and a voiceprint are stored in advance in a database of a server in association with a telephone number of the user, and when a remitter user carries out remittance to a recipient user, the server sends out voice guidance including predetermined voice information registered in the database corresponding to the telephone number of a recipient terminal sent from the recipient terminal requesting the remittance or a telephone number of the recipient terminal inputted by the remitter carrying out the remittance to the recipient using a voice response function to a remitter terminal, thereby enabling intuitive confirmation of a recipient by a remitter.

摘要翻译： 即使任何终端设备和任何国家的任何网络，通过简单的操作实现安全的电子结算。 用户的余额信息，可以识别用户的预定语音信息，任意关键字和声纹被预先存储在与用户的电话号码相关联的服务器的数据库中，并且当汇款用户执行汇款 服务器向收件人用户发送语音指导，其中包括与从接收方终端发送的接收方终端的电话号码相对应的登记在数据库中的预定语音信息，请求汇款或由汇款人输入的接收方终端的电话号码进行 使用语音响应功能向接收方汇款到汇款人终端，由此能够通过汇款人直接确认接收者。

公开(公告)号：US20150161612A1

公开(公告)日：2015-06-11

申请号：US14098066

申请日：2013-12-05

申请人： MasterCard International Incorporated

发明人： Stephen Parento ,  Chris Jacklin ,  Raj Kiran Karkara

IPC分类号： G06Q20/40 ,  G06Q20/34

CPC分类号： G06Q20/4018 ,  G06Q20/341 ,  G06Q20/385

摘要： Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction.

摘要翻译： 用于接收与交易相关联的授权请求的方法和系统，所述授权请求包括支付帐号和卡验证值; 确定授权请求将被处理为具有动态卡验证值; 响应于将所述授权请求处理为具有动态卡验证值的确定，自动绕过要在所述授权请求的处理中使用的至少一个卡验证过程; 并将授权请求发送到卡验证器，以验证卡验证值与记录的动态卡验证值相匹配。 一些方法和系统包括将授权请求发送到支付网络以授权交易; 接收授权响应以回复所发送的授权请求; 以及向与所述交易相关联的商家提供所述授权响应的指示。

公开(公告)号：US08893967B2

公开(公告)日：2014-11-25

申请号：US12878947

申请日：2010-09-09

申请人： Ayman Hammad

发明人： Ayman Hammad

IPC分类号： G06K5/00 ,  G06Q20/38 ,  G06Q20/20 ,  G06Q20/42 ,  G06Q20/40 ,  G06F21/42 ,  G06Q20/32 ,  G06Q20/12 ,  G06F21/34

CPC分类号： G06Q20/4014 ,  G06F21/34 ,  G06F21/42 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/3226 ,  G06Q20/3255 ,  G06Q20/382 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/4018 ,  G06Q20/425

摘要： Disclosed are apparatuses, systems, and methods pertaining to the secure communication of payment information from portable consumer devices, such as credit cards, to online merchants using verification tokens.

摘要翻译： 公开了与使用验证令牌的在线商家将便携式消费者设备（例如信用卡）的支付信息的安全通信相关的装置，系统和方法。

公开(公告)号：US08833648B1

公开(公告)日：2014-09-16

申请号：US13759470

申请日：2013-02-05

申请人： United Services Automobile Association (USAA)

发明人： Reynaldo Medina, III ,  Bradly J. Billman

IPC分类号： G06K5/00 ,  G06K7/08 ,  G06Q20/32

CPC分类号： G06Q20/3226 ,  G06Q20/28 ,  G06Q20/322 ,  G06Q20/401 ,  G06Q20/4018

摘要： Systems, methods and computer readable media are disclosed for prioritizing tasks associated with a group of first users based on number of times the first users have monitored the status of a task. In addition to the general system, systems, methods and computer readable media for task prioritizing, the tasks may be prioritized based on the number of first users associated with a task, the importance of each first user associated with a task, and the way the task was identified.

摘要翻译： 公开了系统，方法和计算机可读介质，用于基于第一用户监视任务的状态的次数来优先化与一组第一用户相关联的任务。 除了用于任务优先级的一般系统，系统，方法和计算机可读介质之外，可以基于与任务相关联的第一用户的数量，与任务相关联的每个第一用户的重要性以及该方式 确定了任务。

公开(公告)号：US20140188721A1

公开(公告)日：2014-07-03

申请号：US14144291

申请日：2013-12-30

申请人： Blackhawk Network, Inc.

发明人： Thomas J. Sullivan ,  J. Simmons Graves

IPC分类号： G06Q20/34

CPC分类号： G06Q20/342 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/343 ,  G06Q20/3433 ,  G06Q20/351 ,  G06Q20/363 ,  G06Q20/40 ,  G06Q20/4018 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06

摘要： A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

摘要翻译： 用于通过通信网络激活，发行和以其他方式管理与储值卡有关的交易和活动的计算机化系统。 提供了一个中央信息数据库，用于通过通用中央处理器经由相应的通信网关来存储直接从相应的存储卡持卡人和卡购买者PC接收的储值卡持卡人和卡购买者信息。 中央处理器被耦合用于实时通信到由相应主机正常操作的多个无关联的存储值卡处理网络。 每个网络包括耦合到存储值卡数据库和多个相应商家通信设备的存储值卡处理器。 中央处理器被编程用于通过相应的无关联网络管理存储卡的交易和活动的激活和发行。 通用中央处理器被编程为通过相应的通信网关下载，将存储卡直接发放给持卡人或卡片购买者。 通用中央处理器进一步编程为向持卡人和商家报告卡的激活，发行，交易和活动，从而提供通用管理系统。

公开(公告)号：US20140143151A1

公开(公告)日：2014-05-22

申请号：US14085746

申请日：2013-11-20

申请人： Shilpa Dhar ,  JEFF HARRELL ,  CODY EVOL ,  CRISTINA ESCUTIA

发明人： Shilpa Dhar ,  JEFF HARRELL ,  CODY EVOL ,  CRISTINA ESCUTIA

IPC分类号： G06Q20/22

CPC分类号： G06Q20/4014 ,  G06Q10/10 ,  G06Q20/0453 ,  G06Q20/10 ,  G06Q20/227 ,  G06Q20/3224 ,  G06Q20/4018 ,  G06Q30/01 ,  G06Q30/0633 ,  G06Q50/01

摘要： In various embodiments, a system and method for providing simplified checkout are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. Account information from the payment account of the user is retrieved from a payment data storage of the payment provider system. The account information is used in a payment transaction involving a merchant system. A payment interface having transaction fields populated with the account information retrieved from the payment account of the user is presented to the user while the user maintains a presence on a webpage of a merchant system.

摘要翻译： 在各种实施例中，提供了一种用于提供简化检验的系统和方法。 在示例实施例中，在支付提供者系统处接收与用户的支付账户对应的标识符。 从支付提供者系统的支付数据存储中检索来自用户的支付账户的帐户信息。 账户信息用于涉及商家系统的支付交易。 在用户在商家系统的网页上保持存在的情况下，向用户呈现具有填充有从用户的支付帐户检索的帐户信息的交易字段的付款界面。

公开(公告)号：US20140122331A1

公开(公告)日：2014-05-01

申请号：US14147330

申请日：2014-01-03

申请人： BLACKHAWK NETWORK, INC.

发明人： Tushar Vaish ,  Manoj K. Kannembath

IPC分类号： G06Q20/36 ,  G06Q20/40

CPC分类号： G06Q20/3674 ,  G06Q20/36 ,  G06Q20/4018

摘要： Systems and methods for providing a security code of an electronic stored value card are disclosed. A computer implemented method may include receiving a request for a security code of an electronic stored-value card, calculating the security code by a security code provider, providing a calculated security code of the electronic-stored value card in response to the request for a security code, and eliminating the calculated security code from all databases of the security code provider. A system may include a computer device of a provider of a security code of an electronic stored-value card, the computer device to receive a request for a security code of the electronic stored-value card, to calculate the security code, to provide the calculated security code in response to the request for a security code, and to eliminate the calculated security code from the computer device.

摘要翻译： 公开了提供电子储值卡的安全代码的系统和方法。 计算机实现的方法可以包括接收对电子存储卡的安全代码的请求，由安全代码提供者计算安全代码，提供电子储值卡的计算安全代码以响应于对 安全代码，并从安全代码提供程序的所有数据库中消除计算的安全代码。 系统可以包括电子存储卡的安全代码的提供者的计算机设备，该计算机设备接收电子存储卡的安全码的请求，以计算安全码，以提供 计算安全代码以响应对安全代码的请求，并从计算机设备中消除计算的安全代码。