公开(公告)号：US20130097034A1

公开(公告)日：2013-04-18

申请号：US13650671

申请日：2012-10-12

Applicant: FIRST DATA CORPORATION

Inventor： Vijay Kumar Royyuru ,  Dominic John Morea

IPC: G06K19/06 ,  G06Q20/20

CPC classification number: G06Q20/36 ,  G06Q20/204 ,  G06Q20/3274

Abstract: In yet another embodiment, a computer-implemented method can be provided. The method can include storing, in at least one memory associated with a mobile device, payment information. The method can further include generating, utilizing the payment information, a displayable image. Furthermore, the method can include directing output of the image by a display associated with the mobile device, wherein the image is scanned by a reader device at a point of sale in order to complete a point of sale transaction.

Abstract translation: 在另一个实施例中，可以提供计算机实现的方法。 该方法可以包括在与移动设备相关联的至少一个存储器中存储支付信息。 该方法还可以包括生成利用支付信息的可显示图像。 此外，该方法可以包括通过与移动设备相关联的显示器来引导图像的输出，其中在销售点由读取器设备扫描图像，以便完成销售点交易。

公开(公告)号：US20130097031A1

公开(公告)日：2013-04-18

申请号：US13650659

申请日：2012-10-12

Applicant: First Data Corporation

Inventor： Vijay Kumar Royyuru ,  Peter Allen Donat

IPC: G06Q20/20 ,  G06Q20/32

CPC classification number: G06Q20/20 ,  G06Q20/327 ,  G06Q20/3276 ,  G06Q20/3278

Abstract: Systems and methods for facilitating point of sale transactions. In one embodiment, a computer-implemented method can be provided. The method can include collecting, by a mobile device at a merchant point of sale, merchant contextual information associated with a merchant station at a merchant location. The method can also include identifying payment information stored on the mobile device. Further, the method can also include providing the merchant contextual information and the payment information to a merchant device in order to complete a point of sale transaction.

Abstract translation: 促进销售点交易的系统和方法。 在一个实施例中，可以提供计算机实现的方法。 该方法可以包括通过商业销售点处的移动设备收集与商户位置处的商家站相关联的商业上下文信息。 该方法还可以包括识别存储在移动设备上的支付信息。 此外，该方法还可以包括向商家设备提供商家上下文信息和支付信息以便完成销售点交易。

公开(公告)号：US20130080329A1

公开(公告)日：2013-03-28

申请号：US13627670

申请日：2012-09-26

Applicant: FIRST DATA CORPORATION

Inventor： Vijay Kumar Royyuru ,  Todd Nuzum

IPC: G06Q20/40

CPC classification number: G06Q20/3278 ,  G06Q20/405 ,  G06Q30/00 ,  G06Q40/02

Abstract: Embodiments of the disclosure can include systems and methods for facilitating card present transactions. In one embodiment, a computer-implemented method for conducting card present transactions can be provided. The method can include receiving, by a merchant system comprising one or more computers, a request for a card present electronic commerce transaction on behalf of a consumer; determining, by the merchant system, an identifier of a mobile device of the consumer; obtaining, by the merchant system from the mobile device, validation information associated with a payment application stored on the mobile device; and outputting, by the merchant system for communication to an issuer system, a proposed card present transaction and the validation information.

Abstract translation: 本公开的实施例可以包括用于促进卡片交易的系统和方法。 在一个实施例中，可以提供用于进行卡片交易的计算机实现的方法。 该方法可以包括由代表消费者的包括一个或多个计算机的商家系统接收对存在电子商务交易的卡的请求; 由商家系统确定消费者的移动设备的标识符; 由所述商家系统从所述移动设备获取与存储在所述移动设备上的支付应用相关联的验证信息; 以及由所述商家系统向发行者系统输出所提出的卡片呈现交易和所述确认信息。

公开(公告)号：US20130080236A1

公开(公告)日：2013-03-28

申请号：US13627678

申请日：2012-09-26

Applicant: FIRST DATA CORPORATION

Inventor： Vijay Kumar Royyuru ,  Todd Nuzum

IPC: G06Q30/02

CPC classification number: G06Q20/3278 ,  G06Q20/405 ,  G06Q30/00 ,  G06Q40/02

Abstract: Embodiments of the disclosure can relate to systems and methods for enrolling consumers in loyalty programs. Certain embodiments of the disclosure can relate to automatic enrollment of consumers in loyalty programs. In one embodiment, a computer-implemented method for enrolling a consumer in a loyalty program can be provided. The method can include establishing, by a merchant device, communication with a consumer device; determining, by the merchant device, that loyalty information is not stored on the consumer device; and providing, by the merchant device to the consumer device, loyalty information.

Abstract translation: 本公开的实施例可以涉及用于在消费者中注册忠诚度计划的系统和方法。 本公开的某些实施例可以涉及消费者在忠诚度计划中的自动注册。 在一个实施例中，可以提供用于将消费者注册在忠诚度程序中的计算机实现的方法。 该方法可以包括由商家设备建立与消费者设备的通信; 由所述商家设备确定所述忠诚度信息不被存储在所述消费者设备上; 以及由所述商家装置向所述消费者装置提供忠诚度信息。

公开(公告)号：US20040211831A1

公开(公告)日：2004-10-28

申请号：US10855127

申请日：2004-05-27

Applicant: First Data Corporation

Inventor： Earney E. Stoutenburg ,  Dean A. Seifert

IPC: G06F017/60

CPC classification number: G07F19/201 ,  G06Q20/00 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/20 ,  G06Q20/381 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/203

Abstract: A method for performing a money transfer receive transaction involving a recipient that receives money from a sender includes the steps of providing a receive code to a recipient via a transaction staging device that is used to stage the receive transaction, wherein the code is used to identify the receive transaction on a data base; receiving at the data base an entry, provided by the recipient and corresponding to the code, from a transaction fulfillment device in communication with the data base; and providing transaction details of the receive transaction to the transaction fulfillment device for verification with the recipient; wherein the code is not provided by or to the sender for use by the sender during the receive transaction.

Abstract translation: 一种用于执行汇款接收交易的方法，该交易涉及从发送者接收货币的接收者，包括以下步骤：经由用于分级接收交易的交易分段设备向接收方提供接收代码，其中代码用于识别 数据库上的接收事务; 在数据库中从与数据库通信的交易执行装置接收由接收方提供并对应于代码的条目; 以及向所述交易履行设备提供所述接收交易的交易细节以与所述接收者验证; 其中所述代码不由所述发送者提供或发送给所述发送者以在所述接收交易期间使用。

公开(公告)号：US20040210523A1

公开(公告)日：2004-10-21

申请号：US10410519

申请日：2003-04-07

Applicant: First Data Corporation

Inventor： Cathy Gains ,  Kathy Lawless ,  Robin Heller ,  Jeanne Custy

IPC: G06F017/60

CPC classification number: G06Q40/04 ,  G06Q20/102 ,  G06Q40/06 ,  G06Q40/12

Abstract: A method of processing negotiable instruments includes receiving a message at a host computer system of an entity that processes negotiable instruments from a client computer of an entity that issues negotiable instruments. The message comprises a request to receive a list of negotiable instruments paid by the processor and issued by the issuer. The method also includes transmitting a file from the host computer system to the client computer. The file includes the list at least one selection arrangement for at least one item in the list. The at least one selection arrangement is programmed to receive information from the issuer relating to issue information for the at least one item. The method also includes receiving at the host computer system issue information relating to one of the items in response to a selection using one of the at least one selection arrangements.

Abstract translation: 一种处理可转让票据的方法包括在主机计算机系统处接收来自发出可转让票据的实体的客户端计算机的实体处理的消息。 该消息包括接收由处理器支付并由发行人发行的可转让票据的列表的请求。 该方法还包括将文件从主机系统发送到客户端计算机。 该文件包括列表中至少一个列表中的至少一个选项排列的列表。 所述至少一个选择装置被编程为从所述发行者接收关于所述至少一个项目的发布信息的信息。 所述方法还包括在所述主计算机系统处接收到响应于使用所述至少一个选择布置之一进行选择的与所述项目之一相关的信息。

公开(公告)号：US20040210506A1

公开(公告)日：2004-10-21

申请号：US10645722

申请日：2003-08-20

Applicant: First Data Corporation

Inventor： Kenneth Algiene ,  Brenda K. McDonald ,  David Baumgartner

IPC: G06F017/60

CPC classification number: G06Q10/10 ,  G06Q40/02 ,  G06Q40/04

Abstract: Systems and methods for distributing and/or calculating elective account balances. Various of the systems include one or more microprocessor based devices that are coupled to a communication network. A computer readable medium is associated with at least one of the microprocessor based devices, and includes instructions executable by the microprocessor based device to serve interfaces and receive information via the interfaces. In addition, the information received via the interfaces can be used to allocate at least a portion of an elective balance to a redemption category, and to calculate a redemption amount. Various of the methods include receiving one or both of a bid premium and a allocation amount. This information can be used to calculate a redemption amount.

Abstract translation: 分配和/或计算选修课余额的制度和方法。 各种系统包括耦合到通信网络的一个或多个基于微处理器的设备。 计算机可读介质与基于微处理器的设备中的至少一个相关联，并且包括可由基于微处理器的设备执行的指令，以经由接口来服务接口和接收信息。 此外，通过接口收到的信息可用于将至少一部分选择余额分配给兑换类别，并计算兑换金额。 各种方法包括接收出价溢价和分配金额中的一个或两个。 此信息可用于计算赎回金额。

公开(公告)号：US20040204788A1

公开(公告)日：2004-10-14

申请号：US10417887

申请日：2003-04-14

Applicant: First Data Corporation

Inventor： Kelly A. Liberty ,  Dan Oswald ,  Gerald F. Gross ,  Michelle Marie Ellwanger ,  Clinton Johnson

IPC: G06F007/00

CPC classification number: B42C1/10 ,  B65H2511/40 ,  B65H2553/43 ,  G06Q30/00 ,  G06Q99/00 ,  G07B17/00467 ,  G07B2017/00491 ,  B65H2220/01

Abstract: Systems and methods for selecting inserts. In some cases, the inserts can be advertisements or offers, and the inserts are included with an offer item that can be, for example, a scheduled bill or other planned mailing. In particular cases, the systems can include a multi-bay insert holder, an offer item, and an associated offer item holder. A microprocessor associated with a computer readable medium is included with instructions executable by the microprocessor to: receive an external tickler, receive a decision rule, receive a decision information, apply the decision rule to the decision information, and send a control signal to the multi-bay insert holder. The control signal indicates an insert associated with the multi-bay insert holder to be placed in the offer item. Various methods are also disclosed for associating inserts with offer items.

公开(公告)号：US20040167821A1

公开(公告)日：2004-08-26

申请号：US10371167

申请日：2003-02-21

Applicant: First Data Corporation

Inventor： David Baumgartner

IPC: G06F017/60

CPC classification number: G06Q20/363 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/28 ,  G06Q30/02 ,  G07F7/0866

Abstract: Methods and systems are provided for coordinating a change in status of a stored-value card for a customer. Transaction information is received at a host system from a point-of-sale terminal. The transaction information includes stored-value-card information identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card. The host system receives a payment authorization from a payment authority in response to a transmission of the payment-instrument information to the payment authority. The host system also receives a confirmation of the change in status of the stored-value card from a stored-value-card authority in response to a transmission of the stored-value-card information to the stored-value-card authority. The host system transmits an approval for effecting the change in status of the stored-value card to the point-of-sale terminal.

Abstract translation: 提供了方法和系统来协调客户对存储卡的状态变化。 在主机系统从销售点终端接收交易信息。 交易信息包括识别存储卡的存储卡信息和识别要用于为存储卡的状态改变进行融资的支付工具的支付工具信息。 主机系统响应于支付工具信息向支付机构的传输而从支付机构接收支付授权。 主机系统还响应于存储值卡信息向存储卡授权机构的传输，从存储卡机构接收存储卡的状态变化的确认。 主机系统向销售点终端发送用于实现存储卡状态变更的批准。

公开(公告)号：US20040139008A1

公开(公告)日：2004-07-15

申请号：US10340570

申请日：2003-01-10

Applicant: First Data Corporation

Inventor： John Joseph Mascavage III

IPC: G06F017/60

CPC classification number: G06Q30/06 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/14

Abstract: According to the invention, a method for a payor paying a merchant using a payment system is disclosed. In one step, account information is received that can be used for receiving funds using a money handler. The account information identifies an account of the payor. A token is generated that correlates to the account information. The token is sent to the merchant that uniquely identifies the payor and the merchant. The token, which corresponds to a payment, is received. It is authenticated that the token was presented by the merchant. The payment is transferred from the payor to the merchant with the payment system.

Abstract translation: 根据本发明，公开了一种使用支付系统支付商家的付款人的方法。 一步，收到可用于使用货币处理程序接收资金的帐户信息。 帐户信息标识付款人的帐户。 生成与帐户信息相关的令牌。 令牌被发送给唯一标识付款人和商家的商家。 收到对应于付款的令牌。 认证令牌由商家呈现。 付款由支付系统从付款人转移到商家。