公开(公告)号：US20120116970A1

公开(公告)日：2012-05-10

申请号：US12940671

申请日：2010-11-05

申请人： Shawn Hagmeier ,  Mark Wiesman ,  César Espinoza ,  Miguel Cintron

发明人： Shawn Hagmeier ,  Mark Wiesman ,  César Espinoza ,  Miguel Cintron

IPC分类号： G06Q20/00

CPC分类号： G06Q20/10 ,  G06Q20/34 ,  G06Q20/40

摘要： A service provider computer receives a request for a transfer of funds from a sender to a recipient. The service provider computer makes a data record about the transaction available to a receiving financial institution. The receiving financial institution receives a visit from the recipient, issues a new payment card account to the recipient, and communicates the account number for the new account to the service provider computer. The service provider computer initiates a payment transaction in a payment card system to route the requested funds transfer from a payment card account belonging to the sender to the newly issued payment card account for the recipient.

摘要翻译： 服务提供商计算机接收从发送者到接收方的资金转移请求。 服务提供商计算机提供有关接收金融机构可用的交易的数据记录。 接收金融机构接收到接收者的访问，向收件人发出新的支付卡账户，并将新帐户的帐号传送到服务提供商计算机。 服务提供商计算机在支付卡系统中启动支付交易，以将所请求的资金转移从属于发送者的支付卡账户转移到接收者的新发行支付卡账户。

公开(公告)号：US20100088207A1

公开(公告)日：2010-04-08

申请号：US12566774

申请日：2009-09-25

申请人： Edward McLaughlin ,  Mark Wiesman ,  Matthew Lanford

发明人： Edward McLaughlin ,  Mark Wiesman ,  Matthew Lanford

IPC分类号： G06Q20/00 ,  G06K5/00 ,  G06Q30/00 ,  G06Q40/00 ,  G06Q50/00

CPC分类号： G06Q20/40 ,  G06Q20/04 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q30/04 ,  G06Q40/02

摘要： A general-purpose payment card product is linked to a designated reimbursement account. A payment card authorization request is obtained, with a full amount and a reimbursement eligible amount included therein, based on a transaction with the payment card product at a merchant. In one aspect, a payment card authorization response is returned to the merchant from an issuer of the payment card product, based on the full amount. A funding request is initiated, for the reimbursement eligible amount, from the designated reimbursement account. The payment card product and the designated reimbursement account are managed separately. In an alternative, the authorization request is intercepted by an operator of a payment network. The operator initiates a first operator authorization request for the reimbursement eligible amount, and a second operator authorization request for the full amount less the portion of the reimbursement eligible amount, and returns a coordinated response to the merchant.

摘要翻译： 通用支付卡产品与指定的报销账户相连。 基于与商家的支付卡产品的交易，获得支付卡授权请求，其中包括其中的全额金额和报销合格金额。 在一个方面，基于全部金额，支付卡授权响应从支付卡产品的发行者返回给商家。 从指定的报销帐户开始提供资金申请，以偿还合格金额。 付款卡产品和指定的报销账户分别进行管理。 或者，授权请求由支付网络的运营商拦截。 运营商发起第一个运营商授权请求以获得报销合格金额，第二个运营商授权请求全额减去偿还合格金额的一部分，并向商家返回协调响应。

公开(公告)号：US08317090B2

公开(公告)日：2012-11-27

申请号：US12748119

申请日：2010-03-26

申请人： Mark Wiesman ,  Bruce Rutherford ,  Art Kranzley ,  Stephen Orfei

发明人： Mark Wiesman ,  Bruce Rutherford ,  Art Kranzley ,  Stephen Orfei

IPC分类号： G06F19/00

CPC分类号： G06Q20/12 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/4014

摘要： A system and computer-based method for performing a financial transaction using an interchange computer coupled to a database, the interchange computer and database associated with an interchange network, the transaction initiated by a cardholder with a merchant. The method includes receiving, at the interchange computer, a payer authentication request message from the merchant, the payer authentication request message associated with the cardholder and including data representing at least one of transaction card brands supported for payment, a response time limit, and item purchase information. The cardholder is prompted to enter access credential information. The entered access credential information is verified at the interchange computer. The cardholder is prompted to select a transaction card from one or more transaction cards associated with the cardholder. A payer authentication response message including transaction card data associated with the selected transaction card is transmitted from the interchange computer to the merchant.

摘要翻译： 一种用于使用耦合到数据库的交换计算机执行金融交易的系统和基于计算机的方法，与交换网络相关联的交换计算机和数据库，由持卡人与商家发起的交易。 所述方法包括在所述交换计算机处接收来自所述商家的付款人认证请求消息，与所述持卡人相关联的所述付款人认证请求消息，并且包括表示支持支付的交易卡品牌，响应时间限制和项目中的至少一个的数据 购买信息。 提示持卡人输入访问凭证信息。 在交换计算机上验证输入的访问凭证信息。 提示持卡人从与持卡人相关联的一个或多个交易卡中选择交易卡。 包括与所选择的交易卡相关联的交易卡数据的付款人认证响应消息从交换计算机发送到商家。

公开(公告)号：US20100268648A1

公开(公告)日：2010-10-21

申请号：US12827924

申请日：2010-06-30

申请人： Mark Wiesman ,  Carl Stefanelli

发明人： Mark Wiesman ,  Carl Stefanelli

IPC分类号： G06Q40/00

CPC分类号： G06Q20/12 ,  G06Q20/04 ,  G06Q20/40

摘要： A method for communicating financial transaction data between a plurality of computer devices using an interface module and an enhanced protocol is provided. The transaction is initiated by a cardholder at an input terminal using a transaction card for completing a purchase from a merchant. The method includes receiving at the interface module initial identification (ID) data from a merchant computer wherein the interface module is a computer module separate from the merchant computer, generating a first verification enrollment request (VEReq) message based on the initial ID data that includes at least one of a merchant identifier and an account number, transmitting the first VEReq message, receiving a verification enrollment response (VERes) message affirmatively verifying enrollment of the merchant in an express check out program, and generating at the interface module a payer authentication request (PAReq) message using the enhanced protocol that defines a first set of data field extensions.

摘要翻译： 提供了一种使用接口模块和增强协议在多个计算机设备之间传送金融交易数据的方法。 交易由持卡人在输入终端使用交易卡从商家完成购买而发起。 该方法包括在接口模块接收来自商家计算机的初始识别（ID）数据，其中接口模块是与商家计算机分离的计算机模块，基于包括以下的初始ID数据生成第一验证注册请求（VEReq）消息： 发送所述第一VEReq消息的至少一个，发送所述第一VEReq消息，在快速检出程序中肯定地验证所述商家的注册的验证注册响应（VER）消息，并且在所述接口模块处生成付费者认证请求 （PAReq）消息，使用定义第一组数据字段扩展的增强协议。

公开(公告)号：US08261977B2

公开(公告)日：2012-09-11

申请号：US12827924

申请日：2010-06-30

申请人： Mark Wiesman ,  Carl Stefanelli

发明人： Mark Wiesman ,  Carl Stefanelli

IPC分类号： G06K5/00

CPC分类号： G06Q20/12 ,  G06Q20/04 ,  G06Q20/40

摘要： A method for communicating financial transaction data between a plurality of computer devices using an interface module and an enhanced protocol is provided. The transaction is initiated by a cardholder at an input terminal using a transaction card for completing a purchase from a merchant. The method includes receiving at the interface module initial identification (ID) data from a merchant computer wherein the interface module is a computer module separate from the merchant computer, generating a first verification enrollment request (VEReq) message based on the initial ID data that includes at least one of a merchant identifier and an account number, transmitting the first VEReq message, receiving a verification enrollment response (VERes) message affirmatively verifying enrollment of the merchant in an express check out program, and generating at the interface module a payer authentication request (PAReq) message using the enhanced protocol that defines a first set of data field extensions.

摘要翻译： 提供了一种使用接口模块和增强协议在多个计算机设备之间传送金融交易数据的方法。 交易由持卡人在输入终端使用交易卡从商家完成购买而发起。 该方法包括在接口模块接收来自商家计算机的初始识别（ID）数据，其中接口模块是与商家计算机分离的计算机模块，基于包括以下的初始ID数据生成第一验证注册请求（VEReq）消息： 发送所述第一VEReq消息的至少一个，发送所述第一VEReq消息，在快速检出程序中肯定地验证所述商家的注册的验证注册响应（VER）消息，并且在所述接口模块处生成付费者认证请求 （PAReq）消息，使用定义第一组数据字段扩展的增强协议。

公开(公告)号：US11372954B2

公开(公告)日：2022-06-28

申请号：US12343837

申请日：2008-12-24

申请人： Mark Wiesman ,  Maurice David Liscia

发明人： Mark Wiesman ,  Maurice David Liscia

IPC分类号： G06F21/31 ,  G06Q20/40 ,  G06Q40/00

摘要： An input device associated with a user and an issuer computer system associated with an issuer are coupled to an interchange computer system associated with a network interchange. The interchange computer system is configured to authenticate an identity of a user of a transaction card as a legitimate cardholder. More specifically, the interchange computer system is configured to receive a registration request from the user using the input device wherein the registration request includes an account number or a name associated with the transaction card, generate an authentication message in response to the registration request, transmit the authentication message to an issuer of the transaction card wherein the issuer provides the authentication message to the user, and receive the authentication message from the user entering the authentication message into the input device to authenticate the identity of the user as the legitimate cardholder.

公开(公告)号：US08706633B2

公开(公告)日：2014-04-22

申请号：US12940671

申请日：2010-11-05

申请人： Shawn Hagmeier ,  Mark Wiesman ,  César Espinoza ,  Miguel Cintron

发明人： Shawn Hagmeier ,  Mark Wiesman ,  César Espinoza ,  Miguel Cintron

IPC分类号： G06Q40/00

CPC分类号： G06Q20/10 ,  G06Q20/34 ,  G06Q20/40

摘要： A service provider computer receives a request for a transfer of funds from a sender to a recipient. The service provider computer makes a data record about the transaction available to a receiving financial institution. The receiving financial institution receives a visit from the recipient, issues a new payment card account to the recipient, and communicates the account number for the new account to the service provider computer. The service provider computer initiates a payment transaction in a payment card system to route the requested funds transfer from a payment card account belonging to the sender to the newly issued payment card account for the recipient.

摘要翻译： 服务提供商计算机接收从发送者到接收方的资金转移请求。 服务提供商计算机提供有关接收金融机构可用的交易的数据记录。 接收金融机构接收到接收者的访问，向收件人发出新的支付卡账户，并将新帐户的帐号传送到服务提供商计算机。 服务提供商计算机在支付卡系统中启动支付交易，以将所请求的资金转移从属于发送者的支付卡账户转移到接收者的新发行支付卡账户。

公开(公告)号：US20100243728A1

公开(公告)日：2010-09-30

申请号：US12748119

申请日：2010-03-26

申请人： Mark Wiesman ,  Bruce Rutherford ,  Art Kranzley ,  Stephen Orfei

发明人： Mark Wiesman ,  Bruce Rutherford ,  Art Kranzley ,  Stephen Orfei

IPC分类号： G06Q40/00

CPC分类号： G06Q20/12 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/4014

摘要： A system and computer-based method for performing a financial transaction using an interchange computer coupled to a database, the interchange computer and database associated with an interchange network, the transaction initiated by a cardholder with a merchant. The method includes receiving, at the interchange computer, a payer authentication request message from the merchant, the payer authentication request message associated with the cardholder and including data representing at least one of transaction card brands supported for payment, a response time limit, and item purchase information. The cardholder is prompted to enter access credential information. The entered access credential information is verified at the interchange computer. The cardholder is prompted to select a transaction card from one or more transaction cards associated with the cardholder. A payer authentication response message including transaction card data associated with the selected transaction card is transmitted from the interchange computer to the merchant.

摘要翻译： 一种用于使用耦合到数据库的交换计算机执行金融交易的系统和基于计算机的方法，与交换网络相关联的交换计算机和数据库，由持卡人与商家发起的交易。 所述方法包括在所述交换计算机处接收来自所述商家的付款人认证请求消息，与所述持卡人相关联的所述付款人认证请求消息，并且包括表示支持支付的交易卡品牌，响应时间限制和项目中的至少一个的数据 购买信息。 提示持卡人输入访问凭证信息。 在交换计算机上验证输入的访问凭证信息。 提示持卡人从与持卡人相关联的一个或多个交易卡中选择交易卡。 包括与所选择的交易卡相关联的交易卡数据的付款人认证响应消息从交换计算机发送到商家。

公开(公告)号：US20100161470A1

公开(公告)日：2010-06-24

申请号：US12343837

申请日：2008-12-24

申请人： Mark Wiesman ,  Maurice David Liscia

发明人： Mark Wiesman ,  Maurice David Liscia

IPC分类号： G06Q20/00

CPC分类号： G06F21/31 ,  G06F2221/2115 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40975 ,  G06Q40/00

摘要： An input device associated with a user and an issuer computer system associated with an issuer are coupled to an interchange computer system associated with a network interchange. The interchange computer system is configured to authenticate an identity of a user of a transaction card as a legitimate cardholder. More specifically, the interchange computer system is configured to receive a registration request from the user using the input device wherein the registration request includes an account number or a name associated with the transaction card, generate an authentication message in response to the registration request, transmit the authentication message to an issuer of the transaction card wherein the issuer provides the authentication message to the user, and receive the authentication message from the user entering the authentication message into the input device to authenticate the identity of the user as the legitimate cardholder.

摘要翻译： 与用户相关联的输入设备和与发行者相关联的发行者计算机系统耦合到与网络交换相关联的交换计算机系统。 交换计算机系统被配置为将交易卡的用户的身份认证为合法持卡人。 更具体地，交换计算机系统被配置为使用输入设备从用户接收注册请求，其中注册请求包括帐号或与交易卡相关联的名称，响应于注册请求生成认证消息，发送 认证消息发送到交易卡的发行者，其中发行方向用户提供认证消息，并且从用户接收认证消息，将认证消息输入到输入设备中，以将用户的身份认证为合法持卡人。