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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：US08433288B2
公开(公告)日：2013-04-30
申请号：US13231119
申请日：2011-09-13
申请人： David T. Frew , Mark D. Zanzot , Tony England , Lisa Gibson
发明人： David T. Frew , Mark D. Zanzot , Tony England , Lisa Gibson
IPC分类号： H04M1/66
CPC分类号： H04W12/06 , H04L63/0876 , H04L63/0892
摘要： In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and store a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and store a second user credential, the second user credential, wherein the second user credential comprises a peripheral device identifier. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.
摘要翻译： 在示例性实施例中，系统包括可操作以存储与用户帐户相关联的用户帐户标识并存储与移动设备相关联的移动设备标识符的存储器。 存储器还可操作以存储第一用户凭证并存储第二用户证书，第二用户证书，其中第二用户证书包括外围设备标识符。 该系统包括可操作以接收用于认证请求用户的请求的网络接口。 该系统还包括处理器，其可操作以确定包括在请求中的信息以促进请求用户的认证，以及包括在请求中的信息是否与与用户帐户相关联的信息匹配。 如果请求与用户帐户相关联并且包括在请求中的信息与与用户帐户相关联的信息匹配，则处理器还可操作以对请求用户进行认证。
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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：US20120066127A1
公开(公告)日：2012-03-15
申请号：US13033510
申请日：2011-02-23
申请人： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
发明人： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/227 , G06Q20/3676 , G06Q20/42
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service subject to one or more predetermined conditions. For example, in some embodiments, a method is provided that includes: (a) receiving, from a holder of an account, consent to a future overage, where the future overage is a result of a future overage transaction involving the account, and where the consent is valid only if a predetermined condition is met; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction was initiated after the receiving the consent; (c) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (d) determining that the predetermined condition is met and/or that the holder's consent is valid for the transaction; and (e) authorizing the transaction based at least partially on receiving the consent, determining that the holder's consent is valid for the transaction, and/or determining that the predetermined condition is met.
摘要翻译： 一般来说，本发明的实施例涉及用于提供超过服务的方法和装置，其受到一个或多个预定条件的限制。 例如，在一些实施例中，提供了一种方法，其包括：（a）从帐户的持有者接收未来超额的同意，未来的超额是由于涉及账户的未来超额交易的结果，以及 只有满足预定条件，同意才有效; （b）接收与交易相关的交易信息，交易涉及账户，以及在收到同意后开始的交易; （c）至少部分地基于交易信息来确定该账户将因交易而导致过高现象; （d）确定满足预定条件和/或持有人的同意对交易有效; 和（e）至少部分地授权交易基于收到同意，确定持有者的同意对于交易是有效的和/或确定满足预定条件。
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公开(公告)号：US20120066126A1
公开(公告)日：2012-03-15
申请号：US13033501
申请日：2011-02-23
申请人： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
发明人： Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/227 , G06Q20/3676 , G06Q20/401 , G06Q20/42
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the overage; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
摘要翻译： 一般来说，本发明的实施例涉及通过交易机提供超额服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中交易涉及账户，交易机器和账户持有人; （b）至少部分地基于交易信息来确定该账户将因交易而导致超额收益; （c）通过交易机器提示持有人同意超额; （d）收到持有人的同意超额; （e）至少部分地授权交易获得持有人的同意。
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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：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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公开(公告)号：US20130067551A1
公开(公告)日：2013-03-14
申请号：US13231208
申请日：2011-09-13
申请人： David T. Frew , Mark D. Zanzot , Tony England , Lisa Gibson
发明人： David T. Frew , Mark D. Zanzot , Tony England , Lisa Gibson
CPC分类号： H04W12/06 , G06F21/31 , G06F21/32 , G06F21/35 , G06Q20/20 , G06Q20/3674 , G06Q20/40 , H04L9/32 , H04L9/321 , H04L9/3215 , H04L9/3231 , H04L2209/56
摘要： In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and a second user credential, the second user credential, wherein the second user credential comprises user input data captured by a sensor. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.
摘要翻译： 在示例性实施例中，系统包括可操作以存储与用户帐户相关联的用户帐户标识符和与移动设备相关联的移动设备标识符的存储器。 存储器还可操作以存储第一用户凭证和第二用户凭证，第二用户凭证，其中第二用户证书包括由传感器捕获的用户输入数据。 该系统包括可操作以接收用于认证请求用户的请求的网络接口。 该系统还包括处理器，其可操作以确定包括在请求中的信息以促进请求用户的认证，以及包括在请求中的信息是否与与用户帐户相关联的信息匹配。 如果请求与用户帐户相关联并且包括在请求中的信息与与用户帐户相关联的信息匹配，则处理器还可操作以对请求用户进行认证。
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9.发明申请SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR MANAGING PAYMENT PROCESSES IN A COMPREHENSIVE PAYMENT HUB SYSTEM 有权管理综合支付系统支付过程的系统，方法和计算机程序产品公开(公告)号：US20100211483A1
公开(公告)日：2010-08-19
申请号：US12433267
申请日：2009-04-30
申请人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
发明人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q40/12
摘要： Systems, methods, and computer program products are provided for managing the processing of a financial payment and, more specifically managing the processing of a financial payment in a comprehensive payment hub environment that provides for payment processing, including payment route determination, irrespective of the payment input channel. In accordance with embodiments herein disclosed, managing the processing of the payment includes automatically determining the payment processes and automatically determining the arrangement of the payment processes. As such, the methods, systems, and computer program products herein described provide for an efficient and cost-effective approach to processing payments.
摘要翻译： 提供了系统，方法和计算机程序产品，用于管理金融支付的处理，并且更具体地管理在提供支付处理的综合支付中心环境中的金融支付的处理，包括支付路线确定，而不管支付 输入通道。 根据本文公开的实施例，管理付款的处理包括自动确定支付过程并自动确定支付过程的布置。 因此，本文描述的方法，系统和计算机程序产品提供了处理支付的有效和成本有效的方法。
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10.发明申请SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR STANDARDIZATION OF PAYMENT REQUESTS TO FACILITATE COMPREHENSIVE PAYMENT HUB PROCESSING 有权系统，方法和计算机程序产品，用于标准化付款要求，以便促进综合付款处理公开(公告)号：US20100211422A1
公开(公告)日：2010-08-19
申请号：US12433272
申请日：2009-04-30
申请人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
发明人： Mark D. Zanzot , Garrett C. Briggs , Eric Dryer , Anthony B. Calderone , William Earl Thomas, II , Philip Tobin , David Todd Frew , Kerry Cantley
CPC分类号： G06Q20/023 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q40/12
摘要： Systems, methods, and computer program products are provided for conducting comprehensive payment processing of all payment requests regardless of the payment request channel. Payment requests are transformed from the initial format to a standardized format, which allows for the occurrence of further comprehensive payment processing, referred to herein as payment hub processing. Once the payment request has undergone necessary payment hub processing, the request undergoes further transformation/conversion from the standardized format to a target clearing format. In one embodiment of the invention, the processing hub provides for determining the clearing or remittance channel based on payment routing rules, which may take into account cost, time, risk and any other payment factors.
摘要翻译： 提供系统，方法和计算机程序产品，用于对所有支付请求进行全面的支付处理，而不管支付请求信道如何。 支付请求从初始格式转换为标准格式，这允许进一步全面支付处理的发生，这里称为支付集线器处理。 一旦支付请求经过必要的支付中心处理，该请求将从标准化格式进一步转换/转换为目标清算格式。 在本发明的一个实施例中，处理集线器提供基于支付路由规则来确定清算或汇款信道，这可以考虑到成本，时间，风险和任何其他支付因素。
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