公开(公告)号：US20170323295A1

公开(公告)日：2017-11-09

申请号：US15481750

申请日：2017-04-07

申请人： Art Kranzley ,  Lehmann Li ,  Gregory Zancewicz

发明人： Art Kranzley ,  Lehmann Li ,  Gregory Zancewicz

IPC分类号： G06Q20/40 ,  G06Q30/06 ,  G06Q20/12

CPC分类号： G06Q20/405 ,  G06Q20/12 ,  G06Q20/387 ,  G06Q30/0207 ,  G06Q30/0611

摘要： A system, one or more methods, and one or more computer program products capable of automatically authorizing, clearing, and/or settling the withdrawal of funds from at least one account based on the matching of an offer condition attribute with at least one transaction attribute value.

公开(公告)号：US20130144715A1

公开(公告)日：2013-06-06

申请号：US13693015

申请日：2012-12-03

申请人： Art Kranzley ,  Lehmann Li ,  Gregory Zancewicz

发明人： Art Kranzley ,  Lehmann Li ,  Gregory Zancewicz

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0251 ,  G06Q20/387 ,  G06Q30/0207

摘要： A unified system, one or more methods, and one or more computer program products capable of automatically: (a) identifying the product or the product including the product attribute values requested in a user query; (b) identifying one or more retailers offering the product of interest; (c) identifying one or more qualifying offers; (c) authorizing, clearing, and settling a transaction in a unified system; (d) redeeming one or more qualifying offers; and/or (e) executing functions related to the product after purchase.

摘要翻译： 一个统一的系统，一个或多个方法，以及一个或多个计算机程序产品，其能够自动地：（a）识别产品或产品，包括在用户查询中请求的产品属性值; （b）识别提供感兴趣产品的一个或多个零售商; （c）确定一个或多个合格报价; （c）在统一制度下授权，清算和结算交易; （d）赎回一项或多项合格报价; 和/或（e）购买后执行与产品相关的功能。

公开(公告)号：US20100243728A1

公开(公告)日：2010-09-30

申请号：US12748119

申请日：2010-03-26

申请人： Mark Wiesman ,  Bruce Rutherford ,  Art Kranzley ,  Stephen Orfei

发明人： Mark Wiesman ,  Bruce Rutherford ,  Art Kranzley ,  Stephen Orfei

IPC分类号： G06Q40/00

CPC分类号： G06Q20/12 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/4014

摘要： A system and computer-based method for performing a financial transaction using an interchange computer coupled to a database, the interchange computer and database associated with an interchange network, the transaction initiated by a cardholder with a merchant. The method includes receiving, at the interchange computer, a payer authentication request message from the merchant, the payer authentication request message associated with the cardholder and including data representing at least one of transaction card brands supported for payment, a response time limit, and item purchase information. The cardholder is prompted to enter access credential information. The entered access credential information is verified at the interchange computer. The cardholder is prompted to select a transaction card from one or more transaction cards associated with the cardholder. A payer authentication response message including transaction card data associated with the selected transaction card is transmitted from the interchange computer to the merchant.

摘要翻译： 一种用于使用耦合到数据库的交换计算机执行金融交易的系统和基于计算机的方法，与交换网络相关联的交换计算机和数据库，由持卡人与商家发起的交易。 所述方法包括在所述交换计算机处接收来自所述商家的付款人认证请求消息，与所述持卡人相关联的所述付款人认证请求消息，并且包括表示支持支付的交易卡品牌，响应时间限制和项目中的至少一个的数据 购买信息。 提示持卡人输入访问凭证信息。 在交换计算机上验证输入的访问凭证信息。 提示持卡人从与持卡人相关联的一个或多个交易卡中选择交易卡。 包括与所选择的交易卡相关联的交易卡数据的付款人认证响应消息从交换计算机发送到商家。

公开(公告)号：US08317090B2

公开(公告)日：2012-11-27

申请号：US12748119

申请日：2010-03-26

申请人： Mark Wiesman ,  Bruce Rutherford ,  Art Kranzley ,  Stephen Orfei

发明人： Mark Wiesman ,  Bruce Rutherford ,  Art Kranzley ,  Stephen Orfei

IPC分类号： G06F19/00

CPC分类号： G06Q20/12 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/4014

摘要： A system and computer-based method for performing a financial transaction using an interchange computer coupled to a database, the interchange computer and database associated with an interchange network, the transaction initiated by a cardholder with a merchant. The method includes receiving, at the interchange computer, a payer authentication request message from the merchant, the payer authentication request message associated with the cardholder and including data representing at least one of transaction card brands supported for payment, a response time limit, and item purchase information. The cardholder is prompted to enter access credential information. The entered access credential information is verified at the interchange computer. The cardholder is prompted to select a transaction card from one or more transaction cards associated with the cardholder. A payer authentication response message including transaction card data associated with the selected transaction card is transmitted from the interchange computer to the merchant.

摘要翻译： 一种用于使用耦合到数据库的交换计算机执行金融交易的系统和基于计算机的方法，与交换网络相关联的交换计算机和数据库，由持卡人与商家发起的交易。 所述方法包括在所述交换计算机处接收来自所述商家的付款人认证请求消息，与所述持卡人相关联的所述付款人认证请求消息，并且包括表示支持支付的交易卡品牌，响应时间限制和项目中的至少一个的数据 购买信息。 提示持卡人输入访问凭证信息。 在交换计算机上验证输入的访问凭证信息。 提示持卡人从与持卡人相关联的一个或多个交易卡中选择交易卡。 包括与所选择的交易卡相关联的交易卡数据的付款人认证响应消息从交换计算机发送到商家。