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公开(公告)号：US09105020B2
公开(公告)日：2015-08-11
申请号：US13200439
申请日：2011-09-23
CPC分类号： G06Q20/20 , G06Q20/3278
摘要： According to some embodiments, a transaction processing system for evaluating transactions between a customer and a merchant comprises a transaction tracker, an account selection engine, and a performance module. The transaction tracker is operable to identify a transaction executed by a customer using a transaction device, the transaction device being operable to execute a transaction with a point of sale receiver associated with the merchant by providing an account number for a first account of the plurality of accounts. The account selection engine is operable to receive information identifying at least one characteristic of the transaction and select a recommended account based on the at least one characteristic. The performance module is operable to compare the first account with the recommended account to determine whether the customer would have received a financial benefit by executing the transaction using the recommended account instead of the first account.
摘要翻译： 根据一些实施例，用于评估客户和商家之间的交易的交易处理系统包括交易跟踪器，账户选择引擎和表现模块。 交易跟踪器可操作以识别客户使用交易设备执行的交易，所述交易设备可操作以通过为所述多个客户的第一帐户提供帐号来执行与所述商家相关联的销售点接收者的交易 帐户。 账户选择引擎可操作以接收识别交易的至少一个特征的信息，并且基于该至少一个特征选择推荐账户。 绩效模块可操作以将第一帐户与推荐帐户进行比较，以确定客户是否将通过使用推荐帐户而不是第一个帐户执行交易来获得经济利益。
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公开(公告)号：US20130080271A1
公开(公告)日：2013-03-28
申请号：US13200439
申请日：2011-09-23
IPC分类号： G06Q20/20
CPC分类号： G06Q20/20 , G06Q20/3278
摘要： According to some embodiments, a transaction processing system for evaluating transactions between a customer and a merchant comprises a transaction tracker, an account selection engine, and a performance module. The transaction tracker is operable to identify a transaction executed by a customer using a transaction device, the transaction device being operable to execute a transaction with a point of sale receiver associated with the merchant by providing an account number for a first account of the plurality of accounts. The account selection engine is operable to receive information identifying at least one characteristic of the transaction and select a recommended account based on the at least one characteristic. The performance module is operable to compare the first account with the recommended account to determine whether the customer would have received a financial benefit by executing the transaction using the recommended account instead of the first account.
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公开(公告)号：US20130080270A1
公开(公告)日：2013-03-28
申请号：US13200433
申请日：2011-09-23
IPC分类号： G06Q20/20
CPC分类号： G06Q20/20 , G06Q20/3278
摘要： According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises an account selection engine and a communication link. The account selection engine operable to receive information identifying at least one characteristic of a proposed transaction, identify a plurality of accounts associated with the customer, and select a first account from among the plurality of accounts based on the at least one characteristic. The communication link is operable to transmit identification of the first account to a point of sale interface of a transaction device, the point of sale interface operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising an account number associated with the first account.
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公开(公告)号：US20130068835A1
公开(公告)日：2013-03-21
申请号：US13235811
申请日：2011-09-19
IPC分类号： G06K5/00
CPC分类号： G06Q20/32 , G06Q20/347 , G06Q20/353 , G06Q20/401
摘要： A system for authorizing a financial transaction includes a processor operable to execute an application on a wireless communications device that is communicatively coupled to a data stripe through a wired connection, receive a request to authorize a financial transaction involving a financial account associated with account data, access authorization criteria for determining whether to authorize the financial transaction, apply the authorization criteria to the financial transaction, generate an authorization code based on the application of the authorization criteria to the financial transaction, and communicate the authorization code.
摘要翻译： 用于授权金融交易的系统包括处理器，其可操作以在通过有线连接通信地耦合到数据条带的无线通信设备上执行应用，接收授权涉及与帐户数据相关联的金融账户的金融交易的请求， 访问用于确定是否授权金融交易的授权标准，将授权标准应用于金融交易，根据授权标准的应用向金融交易生成授权代码，并传达授权码。
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公开(公告)号：US20110213710A1
公开(公告)日：2011-09-01
申请号：US13105998
申请日：2011-05-12
申请人： Kurt D. Newman , Christopher R. Griggs , Joseph A. Giordano , Debashis Ghosh , David Joa , Timothy J. Bendel , Michael James O'Hagan
发明人： Kurt D. Newman , Christopher R. Griggs , Joseph A. Giordano , Debashis Ghosh , David Joa , Timothy J. Bendel , Michael James O'Hagan
IPC分类号： G06Q40/00
CPC分类号： G06K9/00604 , G06F21/32 , G06Q10/06 , G06Q20/20 , G06Q20/40 , G06Q20/40145 , G07C9/00087 , G07F7/1008
摘要： Systems and methods for authorizing an individual for purchasing a product and/or service are described. Monetary funds of a customer of a company may be received into a monetary account of the company at the financial entity. The received monetary funds of the customer may be maintained virtually in a non-monetary account with the non-monetary account value being proportional to the received monetary funds. A determination may be made as to whether an identified customer is authorized to make a purchase with an associated payment amount. The customer may be identified by a scanned iris. Upon determining the identified customer is authorized, the non-monetary account value may be decreased proportional to the associated payment amount.
摘要翻译： 描述用于授权个人购买产品和/或服务的系统和方法。 公司客户的货币资金可以收到金融机构公司的货币性账户。 客户收到的货币资金实际上可以维持在非货币性账户中，非货币账户的金额与收到的货币资金成正比。 可以确定所识别的客户是否被授权进行具有相关联的支付金额的购买。 客户可能被扫描的虹膜识别。 在确定所识别的客户被授权时，非货币账户价值可以与相关联的支付金额成正比地减少。
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公开(公告)号：US20110004547A1
公开(公告)日：2011-01-06
申请号：US12881074
申请日：2010-09-13
IPC分类号： G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/403 , G06Q40/02
摘要： Embodiments of the invention provide systems and methods for providing a mobile device user with the ability to user their mobile devices to make payments to others without knowing the payment recipient's account number. For example, an embodiment of the includes: (1) receiving a payment request from a mobile phone, such as through a text message, where the payment request includes an alias, and where the alias is not a financial account number; (2) identifying a payment recipient's financial account based at least partially on the alias; and (3) transferring funds to the payment recipient's financial account.
摘要翻译： 本发明的实施例提供系统和方法，用于向移动设备用户提供在不知道支付接收者的帐号的情况下用户他们的移动设备向他人付款的能力。 例如，其实施例包括：（1）例如通过文本消息从移动电话接收支付请求，其中支付请求包括别名，并且别名不是财务帐号; （2）至少部分地基于别名识别付款接收人的财务帐户; （3）将资金转入付款人的财务账户。
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公开(公告)号：US20130080317A1
公开(公告)日：2013-03-28
申请号：US13200454
申请日：2011-09-23
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/405 , G06Q40/02
摘要： To facilitate management of a universal payment account, it is determined whether a transaction occurs. Transaction information is received from a payment systems module if the transaction occurs, wherein the transaction information comprises a universal payment identifier associated with a universal payment account. A processor determines at least one payment rule based at least in part on the universal payment identifier, and the processor determines a financial account associated with the universal payment account based upon the at least one payment rule. The plurality of financial accounts are associated with the universal payment account and the determined financial account is used to process the transaction. The determined financial account is accessed to facilitate processing of the transaction.
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公开(公告)号：US20130080272A1
公开(公告)日：2013-03-28
申请号：US13200482
申请日：2011-09-23
CPC分类号： G06Q20/20 , G06Q20/227 , G06Q20/3223 , G06Q20/385 , G06Q30/06
摘要： According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises a transaction module and a point of sale interface. The transaction module is operable to receive, from the customer, a selection of a first account from among a plurality of accounts, wherein the selection of the first account is received from the customer when the customer is located at a facility associated with the merchant. The transaction module also obtains an account number associated with the first account, each account of the plurality of accounts being associated with an account number. The point of sale interface is operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising the account number associated with the first account.
摘要翻译： 根据一些实施例，用于在客户和商家之间执行交易的交易设备包括交易模块和销售点界面。 交易模块可操作以从客户接收多个帐户中的第一帐户的选择，其中当客户位于与商家相关联的设施时，从客户接收到第一帐户的选择。 交易模块还获得与第一帐户相关联的帐号，多个帐户的每个帐户与帐号相关联。 销售点界面可操作地将交易请求传送到与商家相关联的销售点接收者，该交易请求包括与第一帐户相关联的帐号。
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公开(公告)号：US08407142B1
公开(公告)日：2013-03-26
申请号：US13200454
申请日：2011-09-23
IPC分类号： G06Q20/10
CPC分类号： G06Q20/10 , G06Q20/405 , G06Q40/02
摘要： To facilitate management of a universal payment account, it is determined whether a transaction occurs. Transaction information is received from a payment systems module if the transaction occurs, wherein the transaction information comprises a universal payment identifier associated with a universal payment account. A processor determines at least one payment rule based at least in part on the universal payment identifier, and the processor determines a financial account associated with the universal payment account based upon the at least one payment rule. The plurality of financial accounts are associated with the universal payment account and the determined financial account is used to process the transaction. The determined financial account is accessed to facilitate processing of the transaction.
摘要翻译： 为了方便管理通用支付账户，确定是否发生交易。 如果交易发生，则从支付系统模块接收交易信息，其中交易信息包括与通用支付账户相关联的通用支付标识符。 处理器至少部分地基于通用支付标识符确定至少一个支付规则，并且处理器基于至少一个支付规则来确定与通用支付账户相关联的金融账户。 多个金融账户与通用支付账户相关联，并且确定的金融账户用于处理该交易。 访问确定的财务帐户以便于处理交易。
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公开(公告)号：US20130073462A1
公开(公告)日：2013-03-21
申请号：US13235992
申请日：2011-09-19
CPC分类号： G06Q20/3223 , G06Q20/385 , G06Q20/405 , G06Q40/02
摘要： In an exemplary embodiment, a method includes receiving, from a mobile device, a payment transaction between a customer and a merchant. A customer account identifier and a merchant account identifier of the payment transaction may be determined. The method further includes communicating the customer account identifier to an enterprise to determine whether the customer account identifier corresponds to a customer account associated with the enterprise. If the customer account identifier and the merchant account identifier each correspond to a respective account associated with the enterprise, an indication that the enterprise initiates the processing of the payment transaction is received, and a notification that the payment transaction was processed is sent. If the customer account identifier and the merchant account identifier do not each correspond to a respective account associated with the enterprise, a notification that the payment transaction was not processed is sent.
摘要翻译： 在示例性实施例中，一种方法包括从移动设备接收客户和商家之间的支付交易。 可以确定支付交易的客户帐户标识符和商家帐户标识符。 该方法还包括将客户帐户标识符传达给企业以确定客户帐户标识符是否对应于与企业相关联的客户帐户。 如果客户帐户标识符和商家帐户标识符各自对应于与企业相关联的相应帐户，则接收到企业发起支付交易处理的指示，并且发送支付交易被处理的通知。 如果客户帐户标识符和商家帐户标识符不都对应于与企业相关联的相应帐户，则发送没有处理支付交易的通知。
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