公开(公告)号：US10430772B1

公开(公告)日：2019-10-01

申请号：US13456650

申请日：2012-04-26

申请人： Eric Redmond ,  Jean Huang ,  Pete Heisinger

发明人： Eric Redmond ,  Jean Huang ,  Pete Heisinger

IPC分类号： G06Q20/20 ,  G06Q30/02 ,  G06Q20/02 ,  G06Q20/38

摘要： A secure point-of-sale (POS) portal architecture for delivering multiple services is provided. According to one exemplary aspect of the architecture, a number of services offered by various parties are integrated for delivery to merchants. The parties offering the services include, for example, payment processors and merchant acquirers and other external value-added service providers. The integrated services, in turn, are offered to merchants and/or their respective customers via one or more POS devices and its supporting system infrastructure at the merchant locations. The integrated services include, for example, acceptance of multiple payment instruments, payment processing, user dialog management, sales promotion and customer support, loyalty programs, back office processing, receipt capture, employee training, risk management, dispute resolution, system security, system administration etc. Moreover, these integrated services may be customized based on a merchant's particular requirements to provide a specific environment for delivering these services.

公开(公告)号：US09269082B2

公开(公告)日：2016-02-23

申请号：US11540014

申请日：2006-09-29

申请人： Eric Redmond ,  Jean Huang ,  Pete Heisinger

发明人： Eric Redmond ,  Jean Huang ,  Pete Heisinger

IPC分类号： G06Q20/00 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q30/02

CPC分类号： G06Q20/202 ,  G06Q20/027 ,  G06Q20/20 ,  G06Q20/382 ,  G06Q30/02 ,  G06Q30/0222 ,  G06Q30/0268

摘要： A secure point-of-sale (POS) portal architecture for delivering multiple services is provided. According to one exemplary aspect of the architecture, a number of services offered by various parties are integrated for delivery to merchants. The parties offering the services include, for example, payment processors and merchant acquirers and other external value-added service providers. The integrated services, in turn, are offered to merchants and/or their respective customers via one or more POS devices and its supporting system infrastructure at the merchant locations. The integrated services include, for example, acceptance of multiple payment instruments, payment processing, user dialog management, sales promotion and customer support, loyalty programs, back office processing, receipt capture, employee training, risk management, dispute resolution, system security, system administration etc. Moreover, these integrated services may be customized based on a merchant's particular requirements to provide a specific environment for delivering these services.

摘要翻译： 提供了一种用于提供多种服务的安全销售点（POS）门户架构。 根据该架构的一个示例性方面，由各方提供的多个服务被集成用于传送给商家。 提供服务的各方包括例如支付处理商和商业收购方以及其他外部增值服务提供商。 综合服务又通过一个或多个POS设备及其在商户位置的支持系统基础设施向商家和/或其各自的客户提供。 综合服务包括例如接受多种支付工具，支付处理，用户对话管理，促销和客户支持，忠诚度计划，后台处理，收据捕获，员工培训，风险管理，争议解决，系统安全，系统 管理等。此外，这些集成服务可以基于商家的特定要求来定制，以提供用于递送这些服务的特定环境。

公开(公告)号：US08190530B2

公开(公告)日：2012-05-29

申请号：US10146551

申请日：2002-05-14

申请人： Eric Redmond ,  Jean Huang ,  Pete Heisinger

发明人： Eric Redmond ,  Jean Huang ,  Pete Heisinger

IPC分类号： G06Q20/00

CPC分类号： G06Q20/202 ,  G06Q20/027 ,  G06Q20/20 ,  G06Q20/382 ,  G06Q30/02 ,  G06Q30/0222 ,  G06Q30/0268

摘要： A secure point-of-sale (POS) portal architecture for delivering multiple services is provided. According to one exemplary aspect of the architecture, a number of services offered by various parties are integrated for delivery to merchants. The parties offering the services include, for example, payment processors and merchant acquirers and other external value-added service providers. The integrated services, in turn, are offered to merchants and/or their respective customers via one or more POS devices and its supporting system infrastructure at the merchant locations. The integrated services include, for example, acceptance of multiple payment instruments, payment processing, user dialog management, sales promotion and customer support, loyalty programs, back office processing, receipt capture, employee training, risk management, dispute resolution, system security, system administration etc. Moreover, these integrated services may be customized based on a merchant's particular requirements to provide a specific environment for delivering these services.

摘要翻译： 提供了一种用于提供多种服务的安全销售点（POS）门户架构。 根据该架构的一个示例性方面，由各方提供的多个服务被集成用于传送给商家。 提供服务的各方包括例如支付处理商和商业收购方以及其他外部增值服务提供商。 综合服务又通过一个或多个POS设备及其在商户位置的支持系统基础设施向商家和/或其各自的客户提供。 综合服务包括例如接受多种支付工具，支付处理，用户对话管理，促销和客户支持，忠诚度计划，后台处理，收据捕获，员工培训，风险管理，争议解决，系统安全，系统 管理等。此外，这些集成服务可以基于商家的特定要求来定制，以提供用于递送这些服务的特定环境。

公开(公告)号：US07571141B2

公开(公告)日：2009-08-04

申请号：US11624872

申请日：2007-01-19

申请人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

发明人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

IPC分类号： G06Q40/00

CPC分类号： G06Q30/06 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/04 ,  G06Q20/045 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/223 ,  G06Q20/26 ,  G06Q20/32 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/12 ,  G07F7/08

摘要： A payment system for facilitating a payment transaction between a payer and a payee is disclosed. The payment system includes a payer access device, a payee access device, and a services hub. The services hub is configured to communicate with the payer device and the payee device; maintain information relating to a payer account and access device information associated with the payer account, the payer account being linked to the access device; generate a tracer ticket in response to a request issued by the payer using either the payer device or the payee device, the tracer ticket containing information relating to the payment transaction; validate the access devices; and authorize the payment transaction against the payer account through conventional payment processing systems. Upon receiving the request from the payee device for the tracer ticket, the services hub generates the tracer ticket and forwards a copy thereof to the payer via the payee device. Upon receiving the copy of the tracer ticket, the payer uses the payer device to communicate with the services hub and forward the received copy of the tracer ticket to the services hub. The services hub then validates the payer device based on the access device information. Upon validation of the payer device, the services hub checks the copy of the tracer ticket forwarded by the access device against the previously generated tracer ticket. If the copy of the tracer ticket forwarded by the access device corresponds to the previously generated tracer ticket, the services hub authorizes the payment transaction against the payer account.

摘要翻译： 公开了一种用于促进付款人和收款人之间的支付交易的支付系统。 支付系统包括付款人访问设备，收款人访问设备和服务集线器。 服务集线器被配置为与付款机设备和收款机设备进行通信; 维护与付款人帐户相关的信息和访问与付款人帐户相关联的设备信息，付款者帐户被链接到访问设备; 响应于付款人使用付款人设备或收款人设备发出的请求，产生示踪者票据，该追踪票单包含与付款交易有关的信息; 验证访问设备; 并通过常规支付处理系统授权支付账户。 服务中心收到来自收款人设备的示踪者票据请求后，生成示踪票单，并通过收款人设备将其副本转发给付款人。 付款人在收到示踪者票据的副本后，使用付款人设备与服务中心进行通信，并将接收到的示踪程序的副本转发到服务中心。 服务中心然后基于访问设备信息来验证付款者设备。 在付款者设备的验证之后，服务集线器检查由接入设备转发的针对先前生成的示踪路由器的跟踪证件的副本。 如果由访问设备转发的示踪程序票据的副本对应于先前生成的示踪程序票据，则服务中心授权对付款人帐户的支付交易。

公开(公告)号：US20070203833A1

公开(公告)日：2007-08-30

申请号：US11624872

申请日：2007-01-19

申请人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

发明人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

IPC分类号： G06Q30/00

CPC分类号： G06Q30/06 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/04 ,  G06Q20/045 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/223 ,  G06Q20/26 ,  G06Q20/32 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/12 ,  G07F7/08

摘要： A payment system for facilitating a payment transaction between a payer and a payee is disclosed. The payment system includes a payer access device, a payee access device, and a services hub. The services hub is configured to communicate with the payer device and the payee device; maintain information relating to a payer account and access device information associated with the payer account, the payer account being linked to the access device; generate a tracer ticket in response to a request issued by the payer using either the payer device or the payee device, the tracer ticket containing information relating to the payment transaction; validate the access devices; and authorize the payment transaction against the payer account through conventional payment processing systems. Upon receiving the request from the payee device for the tracer ticket, the services hub generates the tracer ticket and forwards a copy thereof to the payer via the payee device. Upon receiving the copy of the tracer ticket, the payer uses the payer device to communicate with the services hub and forward the received copy of the tracer ticket to the services hub. The services hub then validates the payer device based on the access device information. Upon validation of the payer device, the services hub checks the copy of the tracer ticket forwarded by the access device against the previously generated tracer ticket. If the copy of the tracer ticket forwarded by the access device corresponds to the previously generated tracer ticket, the services hub authorizes the payment transaction against the payer account.

摘要翻译： 公开了一种用于促进付款人和收款人之间的支付交易的支付系统。 支付系统包括付款人访问设备，收款人访问设备和服务集线器。 服务集线器被配置为与付款机设备和收款机设备进行通信; 维护与付款人帐户相关的信息和访问与付款人帐户相关联的设备信息，付款者帐户被链接到访问设备; 响应于付款人使用付款人设备或收款人设备发出的请求，产生示踪者票据，该追踪票单包含与付款交易有关的信息; 验证访问设备; 并通过常规支付处理系统授权支付账户。 服务中心收到来自收款人设备的示踪者票据请求后，生成示踪票单，并通过收款人设备将其副本转发给付款人。 付款人在收到示踪者票据的副本后，使用付款人设备与服务中心进行通信，并将接收到的示踪程序的副本转发到服务中心。 服务中心然后基于访问设备信息来验证付款者设备。 在付款者设备的验证之后，服务集线器检查由接入设备转发的针对先前生成的示踪路由器的跟踪证件的副本。 如果由访问设备转发的示踪程序票据的副本对应于先前生成的示踪程序，则服务中心授权对付款人帐户的支付交易。

公开(公告)号：US20070094085A1

公开(公告)日：2007-04-26

申请号：US11540014

申请日：2006-09-29

申请人： Eric Redmond ,  Jean Huang ,  Pete Heisinger

发明人： Eric Redmond ,  Jean Huang ,  Pete Heisinger

IPC分类号： G06Q20/00

CPC分类号： G06Q20/202 ,  G06Q20/027 ,  G06Q20/20 ,  G06Q20/382 ,  G06Q30/02 ,  G06Q30/0222 ,  G06Q30/0268

摘要： A secure point-of-sale (POS) portal architecture for delivering multiple services is provided. According to one exemplary aspect of the architecture, a number of services offered by various parties are integrated for delivery to merchants. The parties offering the services include, for example, payment processors and merchant acquirers and other external value-added service providers. The integrated services, in turn, are offered to merchants and/or their respective customers via one or more POS devices and its supporting system infrastructure at the merchant locations. The integrated services include, for example, acceptance of multiple payment instruments, payment processing, user dialog management, sales promotion and customer support, loyalty programs, back office processing, receipt capture, employee training, risk management, dispute resolution, system security, system administration etc. Moreover, these integrated services may be customized based on a merchant's particular requirements to provide a specific environment for delivering these services.

摘要翻译： 提供了一种用于提供多种服务的安全销售点（POS）门户架构。 根据该架构的一个示例性方面，由各方提供的多个服务被集成用于传送给商家。 提供服务的各方包括例如支付处理商和商业收购方以及其他外部增值服务提供商。 综合服务又通过一个或多个POS设备及其在商户位置的支持系统基础设施向商家和/或其各自的客户提供。 综合服务包括例如接受多种支付工具，支付处理，用户对话管理，促销和客户支持，忠诚度计划，后台处理，收据捕获，员工培训，风险管理，争议解决，系统安全，系统 管理等。此外，这些集成服务可以基于商家的特定要求来定制，以提供用于递送这些服务的特定环境。

公开(公告)号：US07711621B2

公开(公告)日：2010-05-04

申请号：US11929283

申请日：2007-10-30

申请人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

发明人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

IPC分类号： G06Q40/00

CPC分类号： G06Q30/06 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/04 ,  G06Q20/045 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/223 ,  G06Q20/26 ,  G06Q20/32 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/12 ,  G07F7/08

摘要： A payment system for facilitating a payment transaction between a payer and a payee is disclosed. The payment system includes a payer access device, a payee access device, and a services hub. The services hub is configured to communicate with the payer device and the payee device; maintain information relating to a payer account and access device information associated with the payer account, the payer account being linked to the access device; generate a tracer ticket in response to a request issued by the payer using either the payer device or the payee device, the tracer ticket containing information relating to the payment transaction; validate the access devices; and authorize the payment transaction against the payer account through conventional payment processing systems. Upon receiving the request from the payee device for the tracer ticket, the services hub generates the tracer ticket and forwards a copy thereof to the payer via the payee device. Upon receiving the copy of the tracer ticket, the payer uses the payer device to communicate with the services hub and forward the received copy of the tracer ticket to the services hub. The services hub then validates the payer device based on the access device information. Upon validation of the payer device, the services hub checks the copy of the tracer ticket forwarded by the access device against the previously generated tracer ticket. If the copy of the tracer ticket forwarded by the access device corresponds to the previously generated tracer ticket, the services hub authorizes the payment transaction against the payer account.

摘要翻译： 公开了一种用于促进付款人和收款人之间的支付交易的支付系统。 支付系统包括付款人访问设备，收款人访问设备和服务集线器。 服务集线器被配置为与付款机设备和收款机设备进行通信; 维护与付款人帐户相关的信息和访问与付款人帐户相关联的设备信息，付款者帐户被链接到访问设备; 响应于付款人使用付款人设备或收款人设备发出的请求，产生示踪者票据，该追踪票单包含与付款交易有关的信息; 验证访问设备; 并通过常规支付处理系统授权支付账户。 服务中心收到来自收款人设备的示踪者票据请求后，生成示踪票单，并通过收款人设备将其副本转发给付款人。 付款人在收到示踪者票据的副本后，使用付款人设备与服务中心进行通信，并将接收到的示踪程序的副本转发到服务中心。 服务中心然后基于访问设备信息来验证付款者设备。 在付款者设备的验证之后，服务集线器检查由接入设备转发的针对先前生成的示踪路由器的跟踪证件的副本。 如果由访问设备转发的示踪程序票据的副本对应于先前生成的示踪程序票据，则服务中心根据付款人帐户授权支付交易。

公开(公告)号：US08229855B2

公开(公告)日：2012-07-24

申请号：US13188189

申请日：2011-07-21

申请人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

发明人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

IPC分类号： G06Q40/00

CPC分类号： G06Q20/26 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/045 ,  G06Q20/10 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/12

摘要： A payment system for facilitating a payment transaction between a payer and a payee includes a payer access device, a payee access device, and a services hub. The services hub is configured to communicate with the payer device and the payee device; maintain information relating to a payer account and access device information associated with the payer account, the payer account being linked to the access device; generate a tracer ticket in response to a request issued by the payer using either the payer device or the payee device, the tracer ticket containing information relating to the payment transaction; validate the access devices; and authorize the payment transaction against the payer account through conventional payment processing systems. Upon receiving the request from the payee device for the tracer ticket, the services hub generates the tracer ticket and forwards a copy thereof to the payer via the payee device.

摘要翻译： 用于促进付款人和收款人之间的支付交易的支付系统包括付款人访问装置，收款人访问装置和服务集线器。 服务集线器被配置为与付款机设备和收款机设备进行通信; 维护与付款人帐户相关的信息和访问与付款人帐户相关联的设备信息，付款者帐户被链接到访问设备; 响应于付款人使用付款人设备或收款人设备发出的请求，产生示踪者票据，该追踪票单包含与付款交易有关的信息; 验证访问设备; 并通过常规支付处理系统授权支付账户。 服务中心收到来自收款人设备的示踪者票据请求后，生成示踪票单，并通过收款人设备将其副本转发给付款人。

公开(公告)号：US20080195465A1

公开(公告)日：2008-08-14

申请号：US10146551

申请日：2002-05-14

申请人： Eric Redmond ,  Jean Huang ,  Pete Heisinger

发明人： Eric Redmond ,  Jean Huang ,  Pete Heisinger

IPC分类号： G06Q99/00

CPC分类号： G06Q20/202 ,  G06Q20/027 ,  G06Q20/20 ,  G06Q20/382 ,  G06Q30/02 ,  G06Q30/0222 ,  G06Q30/0268

摘要： A secure point-of-sale (POS) portal architecture for delivering multiple services is provided. According to one exemplary aspect of the architecture, a number of services offered by various parties are integrated for delivery to merchants. The parties offering the services include, for example, payment processors and merchant acquirers and other external value-added service providers. The integrated services, in turn, are offered to merchants and/or their respective customers via one or more POS devices and its supporting system infrastructure at the merchant locations. The integrated services include, for example, acceptance of multiple payment instruments, payment processing, user dialog management, sales promotion and customer support, loyalty programs, back office processing, receipt capture, employee training, risk management, dispute resolution, system security, system administration etc. Moreover, these integrated services may be customized based on a merchant's particular requirements to provide a specific environment for delivering these services.

摘要翻译： 提供了一种用于提供多种服务的安全销售点（POS）门户架构。 根据该架构的一个示例性方面，由各方提供的多个服务被集成用于传送给商家。 提供服务的各方包括例如支付处理商和商业收购方以及其他外部增值服务提供商。 综合服务又通过一个或多个POS设备及其在商户位置的支持系统基础设施向商家和/或其各自的客户提供。 综合服务包括例如接受多种支付工具，支付处理，用户对话管理，促销和客户支持，忠诚度计划，后台处理，收据捕获，员工培训，风险管理，争议解决，系统安全，系统 管理等。此外，这些集成服务可以基于商家的特定要求来定制，以提供用于递送这些服务的特定环境。

公开(公告)号：US20080103985A1

公开(公告)日：2008-05-01

申请号：US11929283

申请日：2007-10-30

申请人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

发明人： Jean Huang ,  Eric Redmond ,  Pete Heisinger

IPC分类号： G06Q40/00 ,  H04L9/32

CPC分类号： G06Q30/06 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/04 ,  G06Q20/045 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/223 ,  G06Q20/26 ,  G06Q20/32 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/12 ,  G07F7/08

摘要： A payment system for facilitating a payment transaction between a payer and a payee is disclosed. The payment system includes a payer access device, a payee access device, and a services hub. The services hub is configured to communicate with the payer device and the payee device; maintain information relating to a payer account and access device information associated with the payer account, the payer account being linked to the access device; generate a tracer ticket in response to a request issued by the payer using either the payer device or the payee device, the tracer ticket containing information relating to the payment transaction; validate the access devices; and authorize the payment transaction against the payer account through conventional payment processing systems. Upon receiving the request from the payee device for the tracer ticket, the services hub generates the tracer ticket and forwards a copy thereof to the payer via the payee device. Upon receiving the copy of the tracer ticket, the payer uses the payer device to communicate with the services hub and forward the received copy of the tracer ticket to the services hub. The services hub then validates the payer device based on the access device information. Upon validation of the payer device, the services hub checks the copy of the tracer ticket forwarded by the access device against the previously generated tracer ticket. If the copy of the tracer ticket forwarded by the access device corresponds to the previously generated tracer ticket, the services hub authorizes the payment transaction against the payer account.

摘要翻译： 公开了一种用于促进付款人和收款人之间的支付交易的支付系统。 支付系统包括付款人访问设备，收款人访问设备和服务集线器。 服务集线器被配置为与付款机设备和收款机设备进行通信; 维护与付款人帐户相关的信息和访问与付款人帐户相关联的设备信息，付款者帐户被链接到访问设备; 响应于付款人使用付款人设备或收款人设备发出的请求，产生示踪者票据，该追踪票单包含与付款交易有关的信息; 验证访问设备; 并通过常规支付处理系统授权支付账户。 服务中心收到来自收款人设备的示踪者票据请求后，生成示踪票单，并通过收款人设备将其副本转发给付款人。 付款人在收到示踪者票据的副本后，使用付款人设备与服务中心进行通信，并将接收到的示踪程序的副本转发到服务中心。 服务中心然后基于访问设备信息来验证付款者设备。 在付款者设备的验证之后，服务集线器检查由接入设备转发的针对先前生成的示踪路由器的跟踪证件的副本。 如果由接入设备转发的示踪器票据的副本对应于先前产生的示踪程序票据，则服务中心授权对付款人账户的支付交易。