公开(公告)号：US07793834B2

公开(公告)日：2010-09-14

申请号：US12058542

申请日：2008-03-28

申请人： John Richard Hachey ,  LeRoy Kevin Isaac

发明人： John Richard Hachey ,  LeRoy Kevin Isaac

IPC分类号： G06K5/00

CPC分类号： G09B21/003 ,  B42D25/00 ,  B42D2033/24 ,  B42D2035/08 ,  G06K19/06 ,  G06K2019/06271

摘要： A financial transaction card has a first major surface on one side and a second major surface on an opposite side. A first set of raised indicia projects outwardly from the first major surface. A second set of raised indicia projects outwardly from the second major surface and is directly contralateral with the first set of raised indicia. The second major surface is devoid of any indication of the first set of raised indicia and the first major surface is devoid of any indication of the second set of raised indicia. Each indicium denotes an alphabetic letter or a number and in one embodiment is a Braille character.

摘要翻译： 金融交易卡在一侧具有第一主表面，在相对侧具有第二主表面。 从第一个主要表面向外突出的第一批凸起的标记项目。 第二套凸起的标记项目从第二个主要表面向外，与第一套凸起的标记直接对对。 第二个主要表面没有任何迹象表明第一组凸起的标记，第一个主要表面没有任何迹象表明第二组凸起的标记。 每个标记表示字母字母或数字，在一个实施例中是盲文字符。

公开(公告)号：US20100214058A1

公开(公告)日：2010-08-26

申请号：US12391830

申请日：2009-02-24

申请人： Brian A. WALKER

发明人： Brian A. WALKER

IPC分类号： G05B19/00

CPC分类号： G06F21/33 ,  G06F21/00 ,  G06F21/34 ,  H04L63/08

摘要： A method includes transmitting a request for authorization to enter a physical space over a payment processing network that processes financial transactions. The financial transactions are transmitted between an acquirer institution and an issuing institution via the payment processing network. A response is received, granting or denying authorization to enter the physical space from the payment processing network.

摘要翻译： 一种方法包括在处理金融交易的支付处理网络上发送授权进入物理空间的请求。 金融交易通过支付处理网络在收单方机构和发行机构之间传输。 接收到响应，授予或拒绝从支付处理网络进入物理空间的授权。

公开(公告)号：US07783564B2

公开(公告)日：2010-08-24

申请号：US11690686

申请日：2007-03-23

申请人： Matthew James Mullen ,  Scott David Spivack

发明人： Matthew James Mullen ,  Scott David Spivack

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q30/06

摘要： An analysis system processes financial transactions data for compliance with a payment program, such that the processing involves receiving data relating to a set of financial transactions that have been authorized by a payment processing system, and determining if one or more of the authorized financial transactions will be subjected to further processing, wherein the further processing operates on the received data and identifies authorized financial transactions that may be out of compliance with transaction rules of the payment program.

摘要翻译： 分析系统处理金融交易数据以符合支付计划，使得处理涉及接收与已经由支付处理系统授权的一组金融交易相关的数据，以及确定一个或多个授权金融交易将 进行进一步处理，其中进一步处理对接收的数据进行操作，并且识别可能不符合支付程序的交易规则的授权金融交易。

公开(公告)号：US20100211938A1

公开(公告)日：2010-08-19

申请号：US12707634

申请日：2010-02-17

申请人： Thakur L. Singh ,  Sara K. Garrison ,  Mark Carlson ,  Kamlakar Singh ,  Shajen Devassey

发明人： Thakur L. Singh ,  Sara K. Garrison ,  Mark Carlson ,  Kamlakar Singh ,  Shajen Devassey

IPC分类号： G06F9/45

CPC分类号： H04L51/066 ,  G06Q20/40 ,  G06Q30/06 ,  H04L51/046 ,  H04L69/03 ,  H04L69/22

摘要： A parse/build engine that can handle multi-format financial messages. The engine converts the different format messages into a common format, and the common format message is then processed by the business service application. A parser examines the message and determines an appropriate schema for the particular format of message received. The schema is a data structure in a schema registry that includes a grammar structure for the received format as well as pointers to handlers for converting the different fields of the message into the internal message format using the grammar structure (the “grammar” can include field sequence, field type, length, character encoding, optional and required fields, etc.). The handlers are individually compiled. As formats change, new formats or changes to old formats can be dynamically added to the parse/build engine by loading new schema and handlers.

摘要翻译： 一个可以处理多格式财务信息的解析/构建引擎。 引擎将不同格式的消息转换为通用格式，然后通用格式消息由业务服务应用程序处理。 解析器检查消息，并为接收的消息的特定格式确定适当的模式。 该模式是模式注册表中的数据结构，其中包含接收格式的语法结构以及使用语法结构将消息的不同字段转换为内部消息格式的处理程序的指针（“语法”可以包括字段 序列，字段类型，长度，字符编码，可选和必填字段等）。 处理程序是单独编译的。 随着格式的变化，新格式或旧格式的更改可以通过加载新的模式和处理程序来动态添加到解析/构建引擎。

公开(公告)号：US20100176193A1

公开(公告)日：2010-07-15

申请号：US12352420

申请日：2009-01-12

申请人： Brian Jeffrey MAW

发明人： Brian Jeffrey MAW

IPC分类号： G06Q20/00 ,  G06Q30/00

CPC分类号： G06Q30/0226 ,  G06Q20/204 ,  G06Q20/34 ,  G06Q20/3574 ,  G06Q20/40 ,  G06Q20/409 ,  G06Q30/02 ,  G06Q30/0238

摘要： A financial transaction system includes a computer readable storage medium and a processor in communication with the computer readable storage medium. The processor is configured to receive a financial transaction request message from a payment device reader, and parse the financial transaction request message. The financial transaction request message includes a cardholder response to an offer to enroll in a loyalty program of a commercial entity. The processor is further configured to store the cardholder response in the computer readable storage medium.

摘要翻译： 金融交易系统包括计算机可读存储介质和与计算机可读存储介质通信的处理器。 处理器被配置为从支付设备读取器接收金融交易请求消息，并解析金融交易请求消息。 金融交易请求消息包括持卡人对要注册商业实体忠诚度计划的回复。 处理器还被配置为将持卡人响应存储在计算机可读存储介质中。

公开(公告)号：US07742986B2

公开(公告)日：2010-06-22

申请号：US10836587

申请日：2004-04-29

申请人： Tolan Doak Steele ,  Fran Schall ,  Kim Randall

发明人： Tolan Doak Steele ,  Fran Schall ,  Kim Randall

IPC分类号： G06Q40/00 ,  G06Q30/00

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/227 ,  G06Q20/405 ,  G06Q30/0215 ,  G06Q30/0226 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q99/00

摘要： Techniques for switching a financial institution account for a debit account holder are provided. A request to convert a financial institution account is received from a customer. Information is obtained from the customer and used to identify a list of possible financial institution candidates. The list of possible financial institution candidates includes financial institutions that have an on-going relationship with an existing payment association and are interested in offering a new financial institution account to the customer. A new financial institution account is then established with a financial institution selected from a list of possible financial institution candidates. Then, the new financial institution account is linked to one or more additional accounts. The one or more additional accounts may be an account with the customer's existing payment association or accounts associated with any recurring transactions.

摘要翻译： 提供了切换金融机构帐户的借记账户持有人的技术。 从客户收到转换金融机构帐户的请求。 信息来自客户，用于确定可能的金融机构候选人名单。 可能的金融机构候选人名单包括与现有支付协会持续关系并有兴趣向客户提供新的金融机构账户的金融机构。 然后，与可能的金融机构候选人名单中选择的金融机构建立一个新的金融机构账户。 然后，新的金融机构帐户与一个或多个附加帐户相关联。 一个或多个附加帐户可以是与客户现有的支付关联或与任何经常性交易相关联的帐户的帐户。

公开(公告)号：US07740168B2

公开(公告)日：2010-06-22

申请号：US11764376

申请日：2007-06-18

申请人： Ayman Hammad ,  Patrick Faith ,  Christian Aabye ,  Jagdeep Singh Sahota

发明人： Ayman Hammad ,  Patrick Faith ,  Christian Aabye ,  Jagdeep Singh Sahota

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

CPC分类号： G06Q20/3227 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/206 ,  G06Q20/32 ,  G06Q20/341 ,  G06Q20/3823 ,  G06Q20/388 ,  G06Q20/40 ,  G06Q20/4093 ,  G07F7/1008

摘要： A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verification value is sent to a service provider associated with the portable consumer device so that the service provider can verify the transaction.

摘要翻译： 公开了一种方法。 该方法包括响应于涉及便携式消费者设备的交易产生验证值，其中使用第一动态数据元素和第二动态数据元素生成验证值。 验证值被发送到与便携式消费者设备相关联的服务提供商，使得服务提供商可以验证交易。

公开(公告)号：USD616736S1

公开(公告)日：2010-06-01

申请号：US29341879

申请日：2009-08-13

申请人： Chris Britt ,  Erin Pursell ,  Carrie Vriheas ,  Karen Hyun

设计人： Chris Britt ,  Erin Pursell ,  Carrie Vriheas ,  Karen Hyun

公开(公告)号：US07725394B2

公开(公告)日：2010-05-25

申请号：US11614747

申请日：2006-12-21

申请人： Raghav Lal ,  Christopher P. Aguas

发明人： Raghav Lal ,  Christopher P. Aguas

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0207 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/0213 ,  G06Q30/06 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a business transaction using a payment processing network is disclosed. The method includes sending an authorization request message including an authorization request to an issuer, where the authorization request message originates from a business consumer purchasing goods or services from an oligopolistic business entity. The issuer sends an authorization response message indicating that the authorization request is approved or not approved. Economic incentives associated with the business transaction are provided to the oligopolistic business entity or the business consumer for conducting the business transaction, wherein the incentive would not be available in a transaction between a non-oligopolistic business entity and the business consumer. A method for encouraging use of electronic payment methods is also disclosed, wherein an oligopolistic entity and a group of business consumers in an industry vertical are identified based on sales information, and an economic incentive is provided to the oligopolistic business entity after it agrees to accept electronic payment transactions for conducting business with the group of business consumers.

摘要翻译： 公开了一种使用支付处理网络进行商业交易的方法。 该方法包括向发行者发送包括授权请求的授权请求消息，其中授权请求消息源于从垄断商业实体购买商品或服务的商业消费者。 颁发者发送一个授权响应消息，指示授权请求被批准或未被批准。 向寡头垄断商业实体或商业消费者提供与商业交易相关的经济激励，用于进行商业交易，其中在非寡头垄断商业实体与商业消费者之间的交易中不能获得激励。 还公开了一种鼓励使用电子支付方式的方法，其中基于销售信息确定了行业垂直的寡头垄断实体和一组商业消费者群体，并在垄断企业实体同意接受后提供经济激励 与业务消费者群体进行业务的电子支付交易。

公开(公告)号：US20090313067A1

公开(公告)日：2009-12-17

申请号：US12437849

申请日：2009-05-08

申请人： David Costa ,  Mark Heisten ,  Jennifer Steinmann

发明人： David Costa ,  Mark Heisten ,  Jennifer Steinmann

IPC分类号： G06Q10/00

CPC分类号： G06Q30/02 ,  G06Q10/0637

摘要： A system for marketing and sales in a business-to-business environment is disclosed. The system includes a close integration of sales and marketing personnel of an organization maximize awareness of the organization in the minds of prospective customers and to be considered as a possible supplier when needs arise. This integration further is utilized to enhance the organization's response to RFP's issued by prospective customers. The system is used to identify unmet customer needs and solutions, to utilize cross-functional teams to more effectively respond to RFPs, and to collaborate with the customer at all levels to achieve and maintain a positive customer experience. The system also provides a variety of consolidated information tools to sales and marketing groups to optimize all oral and written interactions with prospective customers as well as current customers. Examples of such tools include an RFP Response Wizard, a Win Improvement Toolkit, a Learning from Losses newsletter, and a Customer Experience Kit, among others. Success metrics are also used to track the effectiveness of marketing/sales efforts.

摘要翻译： 披露了在企业对企业环境中进行营销和销售的系统。 该系统包括组织的销售和营销人员的紧密结合，最大限度地提高潜在客户心中的组织意识，并在需求出现时被视为可能的供应商。 这种整合进一步被用来加强组织对潜在客户发布的RFP的回应。 该系统用于确定未满足的客户需求和解决方案，利用跨职能团队更有效地响应RFP，并与各级客户进行协作，实现和维护积极的客户体验。 该系统还为销售和营销团队提供各种综合信息工具，以优化与潜在客户以及当前客户的所有口头和书面互动。 此类工具的示例包括RFP响应向导，Win Improvement Toolkit，“从损失学习”通讯和客户体验套件等。 成功指标也用于跟踪营销/销售工作的有效性。