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    SYSTEMS, DEVICES, AND METHODS FOR PROCESSING PAYMENTS FOR A CARD
    3.
    发明申请
    SYSTEMS, DEVICES, AND METHODS FOR PROCESSING PAYMENTS FOR A CARD 审中-公开
    用于处理卡付款的系统，设备和方法

    公开(公告)号：US20140324681A1

    公开(公告)日：2014-10-30

    申请号：US14327480

    申请日：2014-07-09

    申请人： Hossein Mohsenzadeh

    发明人： Hossein Mohsenzadeh

    IPC分类号： G06Q20/22 ,  G06Q20/34

    CPC分类号： G06Q20/223 ,  G06Q20/24 ,  G06Q20/34 ,  G06Q20/409

    摘要： Embodiments of the disclosure include systems, methods, and devices for processing payments for a card. Such embodiments include receiving payment information from a payor at an intermediate entity server as well as authorizing the payment transaction, by the intermediate entity server, based on the payment information. Further such embodiments include providing instructions, by the intermediate entity, to debit a payor card account and credit payee shadow ledger account based on the payment information as well as providing instructions, by the intermediate entity, to debit the payee shadow ledger account and to credit the payee card account based on payment rules.

    摘要翻译： 本公开的实施例包括用于处理卡的支付的系统，方法和设备。 这样的实施例包括基于支付信息，由中间实体服务器从中间实体服务器的付款人接收支付信息以及授权支付交易。 进一步的这样的实施例包括由中间实体提供指示，以基于支付信息借记付款人卡帐户和信用收款人影子帐户帐户，以及由中间实体提供收款人影子帐户帐户和信用卡的指示 基于付款规则的收款人卡账户。

    Secure authentication and payment system
    4.
    发明授权
    Secure authentication and payment system 有权
    安全认证和支付系统

    公开(公告)号：US08401963B2

    公开(公告)日：2013-03-19

    申请号：US12684541

    申请日：2010-01-08

    申请人： Hossein Mohsenzadeh

    发明人： Hossein Mohsenzadeh

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/12 ,  G06Q20/00 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q30/0241 ,  G06Q30/0601 ,  G06Q40/00

    摘要： A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals, merchants, utilities, banks, etc. Nothing more than access to a telephone is required after initial registration of a user.

    摘要翻译： 交易和支付和处理系统通过公共电话网安全地进行交易。 交易可以在个人，商家，公用事业，银行等任何类型的实体之间和之间。在用户初始注册之后，只需要访问电话。

    METHODS, SYSTEMS, AND DEVICES TO DYNAMICALLY CUSTOMIZE ELECTRONIC BILL PRESENTMENT AND PAYMENT WORKFLOWS
    7.
    发明申请
    METHODS, SYSTEMS, AND DEVICES TO DYNAMICALLY CUSTOMIZE ELECTRONIC BILL PRESENTMENT AND PAYMENT WORKFLOWS 有权
    方法，系统和设备，以动态自定义电子帐单显示和付款工作流程

    公开(公告)号：US20150254617A1

    公开(公告)日：2015-09-10

    申请号：US14202385

    申请日：2014-03-10

    申请人： Alexander Rodriguez ,  Hossein Mohsenzadeh

    发明人： Alexander Rodriguez ,  Hossein Mohsenzadeh

    IPC分类号： G06Q20/10 ,  G06Q10/06

    CPC分类号： G06Q20/102 ,  G06Q10/0633

    摘要： Embodiments of systems, methods and devices for electronic bill presentment and payment are disclosed. Such embodiments include receiving one or more instructions from a biller at a remote computer server. Further, the remote computer server implements an electronic bill presentment and payment (EBPP) workflow configuration module and provisions, using the EBPP workflow configuration module, one or more configuration parameters for the biller based on the one or more received instructions. In addition, embodiments include configuring, dynamically an EBPP workflow based on the one or more received instructions and provisioned configuration parameters using the EBPP workflow configuration module. The configuring of the EBPP workflow includes generating a state machine implementing the EBPP workflow. Moreover, embodiments include configuring one or more business logic scripts by the EBPP workflow configuration module to implement the EBPP workflow as well as configuring one or more view templates by the EBPP workflow configuration module to implement the EBPP workflow.

    摘要翻译： 公开了用于电子帐单呈现和付款的系统，方法和装置的实施例。 这样的实施例包括从远程计算机服务器的帐单接收一个或多个指令。 此外，远程计算机服务器实施电子账单呈现和支付（EBPP）工作流配置模块，并且基于所接收的一个或多个指令，使用EBPP工作流配置模块提供一个或更多个配给参数。 另外，实施例包括使用EBPP工作流配置模块动态地配置基于一个或多个接收到的指令和所配置的配置参数的EBPP工作流程。 EBPP工作流的配置包括生成实现EBPP工作流的状态机。 此外，实施例包括由EBPP工作流配置模块配置一个或多个业务逻辑脚本以实现EBPP工作流，以及通过EBPP工作流配置模块配置一个或多个视图模板来实现EBPP工作流。

    SYSTEMS, DEVICES, AND METHODS FOR MANAGING A PAYMENT TRANSACTION
    8.
    发明申请
    SYSTEMS, DEVICES, AND METHODS FOR MANAGING A PAYMENT TRANSACTION 审中-公开
    用于管理付款交易的系统，设备和方法

    公开(公告)号：US20140257977A1

    公开(公告)日：2014-09-11

    申请号：US14282758

    申请日：2014-05-20

    申请人： Hossein Mohsenzadeh

    发明人： Hossein Mohsenzadeh

    IPC分类号： G06Q20/22 ,  G06Q30/02

    CPC分类号： G06Q20/227 ,  G06Q20/34 ,  G06Q20/405 ,  G06Q30/0253

    摘要： Disclosed herein is a method for managing a payment transaction wherein a processor receives a transaction information input corresponding to a particular card type. The processor then accesses a BIN table and a rate table to calculate a fee based on the transaction information input and compares the calculated fee with alternate fees corresponding to alternate card types. A card type corresponding to a determined lowest fee between the calculated fee and the alternate fees is then outputted. The processor then completes the payment transaction by accessing transaction information corresponding to a user selected card type.

    摘要翻译： 本文公开了一种用于管理支付交易的方法，其中处理器接收对应于特定卡类型的交易信息输入。 然后，处理器访问BIN表和费率表，以根据输入的交易信息计算费用，并将计算的费用与备用卡类型相对应的替代费用进行比较。 然后输出对应于所计算的费用和替代费用之间确定的最低费用的卡类型。 然后，处理器通过访问对应于用户选择的卡类型的交易信息来完成支付交易。

    SYSTEM AND METHOD FOR AUTOMATED PROVISIONING BILL PRESENTMENT AND PAYMENT
    9.
    发明申请
    SYSTEM AND METHOD FOR AUTOMATED PROVISIONING BILL PRESENTMENT AND PAYMENT 审中-公开
    自动提供条例草案陈述和付款的制度和方法

    公开(公告)号：US20130268434A1

    公开(公告)日：2013-10-10

    申请号：US13440973

    申请日：2012-04-05

    申请人： Hossein Mohsenzadeh

    发明人： Hossein Mohsenzadeh

    IPC分类号： G06Q20/14

    CPC分类号： G06Q20/14 ,  G06Q30/04

    摘要： A system and method for self or automated provisioning bill presentment and payment is provided. Billing software executing on a central billing server enables billers to configure a bill presentment and payment website to enable multiple forms of electronic payment and presentment to be made without the need for programming customized applications.

    摘要翻译： 提供了一种用于自我或自动配置账单呈现和支付的系统和方法。 在中央计费服务器上执行的计费软件使得账单者可以配置账单显示和支付网站，以便能够进行多种形式的电子支付和呈现，而无需编程定制的应用程序。