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公开(公告)号：US20090313134A1
公开(公告)日：2009-12-17
申请号：US12433086
申请日：2009-04-30
申请人： Patrick Faith , Krishna Prasad Koganti , Lori D. Van Deloo , Taylor Montgomery Mason , Kim Steele , Kevin Weller , Ayman Hammad , Kevin Eric Wong
发明人： Patrick Faith , Krishna Prasad Koganti , Lori D. Van Deloo , Taylor Montgomery Mason , Kim Steele , Kevin Weller , Ayman Hammad , Kevin Eric Wong
CPC分类号： G06Q20/4016 , G06Q20/105 , G06Q20/12 , G06Q20/40 , G06Q30/0601 , G06Q40/00
摘要： Online transaction processing over a communication network involves receiving a transaction input comprising an authorization request message for a transaction conducted over a communication network between a consumer and a merchant using a portable consumer device having a memory, wherein the authorization request message contains data comprising a transaction total amount for the transaction and additional information not stored in the memory of the portable consumer device and related to the transaction. Issuer authorization processing is performed in response to the authorization request message data, and a decision output is produced in response to the transaction input and the issuer authorization processing. Thus, a decision output is produced in an efficient manner using additional information for the issuer authorization processing, and the additional information reduces the likelihood of declining a transaction that should otherwise be authorized.
摘要翻译： 通过通信网络进行的在线交易处理包括接收包括通过使用具有存储器的便携式消费者设备在消费者和商家之间通过通信网络进行的交易的授权请求消息的交易输入，其中所述授权请求消息包含包括交易的数据 交易的总金额和未存储在便携式消费者设备的存储器中并与交易相关的附加信息。 响应于授权请求消息数据执行颁发者授权处理，并且响应于事务输入和发行者授权处理产生决策输出。 因此，使用用于发行者授权处理的附加信息以有效的方式产生决策输出，并且附加信息减少拒绝另外被授权的交易的可能性。
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公开(公告)号：US20080120214A1
公开(公告)日：2008-05-22
申请号：US11935740
申请日：2007-11-06
申请人： Kim Steele , Mike Yakel , Kevin Weller , Patrick Faith , Lori D. Van Deloo
发明人： Kim Steele , Mike Yakel , Kevin Weller , Patrick Faith , Lori D. Van Deloo
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/341 , G06Q20/4014 , G06Q30/06 , G06Q40/00 , G07F7/1008
摘要： A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
摘要翻译： 公开了一种用于认证便携式消费者设备的消费者的方法。 本发明的一个实施例包括接收与消费者的请求相关的交易消息，以便使用便携式消费者设备进行交易，其中消费者先前已经注册在认证程序中，并且消费者已经被认证，分析交易消息以确定 如果已经发生重新认证事件，则如果重新认证事件已经发生，则在向发行者发起授权请求消息之前导致重新认证消息被发送给消费者，并且向发行者发起授权请求消息 如果没有发生重新认证事件，则不向消费者发送重新认证消息。
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公开(公告)号：US20190156313A1
公开(公告)日：2019-05-23
申请号：US16165927
申请日：2018-10-19
摘要： Embodiments of the invention are directed to a relationship payment system that allows the establishment of a linked relationship between a primary account of a primary user and a secondary account of a secondary user. The relationship payment system allows a primary user to designate a portion of a credit limit of a primary user's account to grant to a secondary user's account. Transactions are authorized against secondary user's account, and then ultimately clearing and settlement for the transactions is conducted against the primary user's account.
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公开(公告)号：US20120330837A1
公开(公告)日：2012-12-27
申请号：US13487033
申请日：2012-06-01
IPC分类号： G06Q20/40
CPC分类号： G06Q20/20 , G06Q20/35785 , G06Q20/405
摘要： Embodiments of the invention are directed to a relationship payment system that allows the establishment of a linked relationship between a primary account of a primary user and a secondary account of a secondary user. The relationship payment system allows a primary user to designate a portion of a credit limit of a primary user's account to grant to a secondary user's account. Transactions are authorized against secondary user's account, and then ultimately clearing and settlement for the transactions is conducted against the primary user's account.
摘要翻译： 本发明的实施例涉及一种关系支付系统，其允许建立主用户的主账户和次用户的辅助账户之间的链接关系。 关系支付系统允许主要用户指定主要用户帐户的信用限额的一部分以授予次级用户的账户。 交易被授权用于次级用户帐户，然后根据主用户的帐户进行交易的最终结算和结算。
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公开(公告)号：US10346837B2
公开(公告)日：2019-07-09
申请号：US11935740
申请日：2007-11-06
申请人： Kim Steele , Mike Yakel , Kevin Weller , Patrick Faith , Lori D. Van Deloo
发明人： Kim Steele , Mike Yakel , Kevin Weller , Patrick Faith , Lori D. Van Deloo
摘要： A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
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公开(公告)号：US20170018017A9
公开(公告)日：2017-01-19
申请号：US14568136
申请日：2014-12-12
申请人： Lori D. Van Deloo
发明人： Lori D. Van Deloo
CPC分类号： G06Q30/0617 , G06Q30/0281
摘要： Methods and systems for designing, establishing and operating interactive, rebrandable stations, or Pods connected to a Service System to enable service providers to deliver qualified information, advice and agent-assisted services are disclosed herein. Said Pods may be accessed remotely or via Service Centers. A key benefit is the ability for multiple providers to enable secure services through a single Pod. Users once authenticated or logged into a said Pod, can access a plurality of service protocols. Such service protocols may be accessed using self-service tools, or through real-time assisted service. The Service System includes both user- and agent computer systems through which user and agent interactions are enabled. The agent computer system includes a number of service tools available for supporting agent-assistance servicing. The Service System further tracks and compiles session information and data.
摘要翻译： 本文中披露了设计，建立和运行交互式，可变性的站点或连接到服务系统的站点的方法和系统，以使服务提供商能够提供合格的信息，咨询和代理协助服务。 所述Pods可以远程访问或通过服务中心访问。 一个关键的好处是多个提供商通过单个Pod启用安全服务的能力。 经过身份验证或登录到所述Pod的用户可以访问多个服务协议。 可以使用自助服务工具或通过实时辅助服务来访问这样的服务协议。 服务系统包括启用用户和代理交互的用户代理和代理计算机系统。 代理计算机系统包括可用于支持代理协助服务的许多服务工具。 服务系统进一步跟踪和编译会话信息和数据。
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公开(公告)号：US20160171579A1
公开(公告)日：2016-06-16
申请号：US14568136
申请日：2014-12-12
申请人： Lori D. Van Deloo
发明人： Lori D. Van Deloo
CPC分类号： G06Q30/0617 , G06Q30/0281
摘要： Methods and systems for designing, establishing and operating interactive, rebrandable stations, or Pods connected to a Service System to enable service providers to deliver qualified information, advice and agent-assisted services are disclosed herein. Said Pods may be accessed remotely or via Service Centers. A key benefit is the ability for multiple providers to enable secure services through a single Pod. Users once authenticated or logged into a said Pod, can access a plurality of service protocols. Such service protocols may be accessed using self-service tools, or through real-time assisted service. The Service System includes both user- and agent computer systems through which user and agent interactions are enabled. The agent computer system includes a number of service tools available for supporting agent-assistance servicing. The Service System further tracks and compiles session information and data.
摘要翻译： 本文中披露了设计，建立和运行交互式，可变性的站点或连接到服务系统的站点的方法和系统，以使服务提供商能够提供合格的信息，咨询和代理协助服务。 所述Pods可以远程访问或通过服务中心访问。 一个关键的好处是多个提供商通过单个Pod启用安全服务的能力。 经过身份验证或登录到所述Pod的用户可以访问多个服务协议。 可以使用自助服务工具或通过实时辅助服务来访问这样的服务协议。 服务系统包括启用用户和代理交互的用户代理和代理计算机系统。 代理计算机系统包括可用于支持代理协助服务的许多服务工具。 服务系统进一步跟踪和编译会话信息和数据。
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