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1.发明授权Methods and apparatus for preventing fraud in payment processing transactions 有权用于防止支付处理交易中的欺诈的方法和装置公开(公告)号：US07835988B2
公开(公告)日：2010-11-16
申请号：US11952334
申请日：2007-12-07
IPC分类号： G06Q40/00
CPC分类号： G07F7/08 , G06Q20/20 , G06Q20/3278 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4016 , G06Q20/4037 , G06Q40/00
摘要： A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The method further includes mapping a first account number included in the authorization request into a second account number associated with the first account number if it is determined that the authorization request arose from proximity-reading a proximity payment device and if the first account number is qualified for mapping. In addition, the method includes transmitting the authorization request to an issuer financial institution with the second account number substituted for the first account number in the authorization request.
摘要翻译： 一种方法包括接收购买交易的授权请求，以及确定所述授权请求是否是由近邻读取附近支付设备产生的。 该方法还包括：如果确定授权请求是从接近读取接近支付设备产生的，并且如果第一帐号是合格的，则将授权请求中包括的第一帐号映射到与第一帐号相关联的第二帐号中 用于映射。 此外，该方法包括将授权请求发送给发行者金融机构，其中第二帐号代替授权请求中的第一帐号。
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公开(公告)号：US20140046843A1
公开(公告)日：2014-02-13
申请号：US13568366
申请日：2012-08-07
申请人： Maurice David Liscia
发明人： Maurice David Liscia
IPC分类号： G06Q20/40
CPC分类号： G06Q20/40 , G06Q20/0855 , G06Q20/20
摘要： A method for providing enhanced merchant information to the user of a cashless payment device generally includes the step of receiving a transaction request from an acquirer on behalf of a merchant in a cashless transaction clearing record, wherein the transaction request includes data identifying the merchant and the payment device. The data identifying the merchant is then compared to a database including a list of participating merchants to determine if a match exists in the database. In response to determining a match exists, it is then determined whether the data identifying the merchant in the transaction request should be enhanced with additional merchant information or information about a program the merchant participates in. If so, data enhancement is performed and the transaction request having the additional merchant or program information is forwarded to an issuer of the payment device.
摘要翻译： 用于向无现金支付设备的用户提供增强的商家信息的方法通常包括在无现金交易清算记录中代表商家从收单方接收交易请求的步骤，其中交易请求包括识别商家和 付款设备。 然后将识别商家的数据与包括参与商家列表的数据库进行比较，以确定数据库中是否存在匹配。 响应于确定存在匹配，然后确定在交易请求中标识商家的数据是否应该通过附加的商家信息或有关商家参与的节目的信息得到增强。如果是，则执行数据增强并且交易请求 将附加的商家或节目信息转发给支付装置的发行者。
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3.发明申请公开(公告)号：US20120116977A1
公开(公告)日：2012-05-10
申请号：US13347222
申请日：2012-01-10
IPC分类号： G06Q20/40
CPC分类号： G07F7/08 , G06Q20/20 , G06Q20/3278 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4016 , G06Q20/4037 , G06Q40/00
摘要： A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The method further includes mapping a first account number included in the authorization request into a second account number associated with the first account number if it is determined that the authorization request arose from proximity-reading a proximity payment device and if the first account number is qualified for mapping. In addition, the method includes transmitting the authorization request to an issuer financial institution with the second account number substituted for the first account number in the authorization request.
摘要翻译： 一种方法包括接收购买交易的授权请求，以及确定所述授权请求是否是由近邻读取附近支付设备产生的。 该方法还包括：如果确定授权请求是从接近读取接近支付设备产生的，并且如果第一帐号是合格的，则将授权请求中包括的第一帐号映射到与第一帐号相关联的第二帐号中 用于映射。 此外，该方法包括将授权请求发送给发行者金融机构，其中第二帐号代替授权请求中的第一帐号。
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公开(公告)号：US08095465B2
公开(公告)日：2012-01-10
申请号：US12898362
申请日：2010-10-05
IPC分类号： G06Q40/00
CPC分类号： G07F7/08 , G06Q20/20 , G06Q20/3278 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4016 , G06Q20/4037 , G06Q40/00
摘要： A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The method further includes mapping a first account number included in the authorization request into a second account number associated with the first account number if it is determined that the authorization request arose from proximity-reading a proximity payment device and if the first account number is qualified for mapping. In addition, the method includes transmitting the authorization request to an issuer financial institution with the second account number substituted for the first account number in the authorization request.
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5.发明授权Methods and apparatus for preventing fraud in payment processing transactions 有权用于防止支付处理交易中的欺诈的方法和装置公开(公告)号：US08515872B2
公开(公告)日：2013-08-20
申请号：US13347222
申请日：2012-01-10
IPC分类号： G06Q40/00
CPC分类号： G07F7/08 , G06Q20/20 , G06Q20/3278 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4016 , G06Q20/4037 , G06Q40/00
摘要： A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The method further includes mapping a first account number included in the authorization request into a second account number associated with the first account number if it is determined that the authorization request arose from proximity-reading a proximity payment device and if the first account number is qualified for mapping. In addition, the method includes transmitting the authorization request to an issuer financial institution with the second account number substituted for the first account number in the authorization request.
摘要翻译： 一种方法包括接收购买交易的授权请求，以及确定所述授权请求是否是由近邻读取附近支付设备产生的。 该方法还包括：如果确定授权请求是从接近读取接近支付设备产生的，并且如果第一帐号是合格的，则将授权请求中包括的第一帐号映射到与第一帐号相关联的第二帐号中 用于映射。 此外，该方法包括将授权请求发送给发行者金融机构，其中第二帐号代替授权请求中的第一帐号。
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公开(公告)号：US20120084207A1
公开(公告)日：2012-04-05
申请号：US13311706
申请日：2011-12-06
CPC分类号： G07F7/08 , G06Q20/20 , G06Q20/3278 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4016 , G06Q20/4037 , G06Q40/00
摘要： A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The method further includes mapping a first account number included in the authorization request into a second account number associated with the first account number if it is determined that the authorization request arose from proximity-reading a proximity payment device and if the first account number is qualified for mapping. In addition, the method includes transmitting the authorization request to an issuer financial institution with the second account number substituted for the first account number in the authorization request.
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公开(公告)号：US20080306876A1
公开(公告)日：2008-12-11
申请号：US11952379
申请日：2007-12-07
IPC分类号： G06Q20/00
CPC分类号： G07F7/10 , G06Q20/3821 , G07F7/1066
摘要： A method includes receiving an authorization request for a purchase transaction. The method further includes determining (a) whether the purchase transaction is eligible for security code checking based on whether an account number included in the authorization request is in an eligible account number range, and (b) whether a transaction security code included in the authorization request is valid. The method also includes relaying the authorization request to an issuer financial institution with an indication as to whether the transaction security code is valid. Alternatively, the method may include declining the transaction when the security code is found to be invalid, and sending an advice message to the issuer regarding the declined transaction. In this alternative, the authorization request is relayed to the issuer only if the security code is found to be valid.
摘要翻译： 一种方法包括接收购买交易的授权请求。 该方法还包括根据包括在授权请求中的帐号是否在合格的帐号范围内，确定（a）购买交易是否符合安全代码检查的条件，以及（b）是否包括在授权中的交易安全码 请求有效。 该方法还包括向发行者金融机构转发授权请求，并指示交易安全码是否有效。 或者，该方法可以包括在发现安全码无效时拒绝该事务，并且向发行者发送关于所拒绝的交易的建议消息。 在这种替代方案中，授权请求仅在安全码被发现有效时被中继到发行者。
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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
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.
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9.发明授权Methods and apparatus for preventing fraud in payment processing transactions 有权用于防止支付处理交易中的欺诈的方法和装置公开(公告)号：US08266059B2
公开(公告)日：2012-09-11
申请号：US13311706
申请日：2011-12-06
IPC分类号： G06Q40/00
CPC分类号： G07F7/08 , G06Q20/20 , G06Q20/3278 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4016 , G06Q20/4037 , G06Q40/00
摘要： A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The method further includes mapping a first account number included in the authorization request into a second account number associated with the first account number if it is determined that the authorization request arose from proximity-reading a proximity payment device and if the first account number is qualified for mapping. In addition, the method includes transmitting the authorization request to an issuer financial institution with the second account number substituted for the first account number in the authorization request.
摘要翻译： 一种方法包括接收购买交易的授权请求，以及确定所述授权请求是否是由近邻读取附近支付设备产生的。 该方法还包括：如果确定授权请求是从接近读取接近支付设备产生的，并且如果第一帐号是合格的，则将授权请求中包括的第一帐号映射到与第一帐号相关联的第二帐号中 用于映射。 此外，该方法包括将授权请求发送给发行者金融机构，其中第二帐号代替授权请求中的第一帐号。
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10.发明申请公开(公告)号：US20110022481A1
公开(公告)日：2011-01-27
申请号：US12898362
申请日：2010-10-05
CPC分类号： G07F7/08 , G06Q20/20 , G06Q20/3278 , G06Q20/382 , G06Q20/3829 , G06Q20/40 , G06Q20/4016 , G06Q20/4037 , G06Q40/00
摘要： A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The method further includes mapping a first account number included in the authorization request into a second account number associated with the first account number if it is determined that the authorization request arose from proximity-reading a proximity payment device and if the first account number is qualified for mapping. In addition, the method includes transmitting the authorization request to an issuer financial institution with the second account number substituted for the first account number in the authorization request.
摘要翻译： 一种方法包括接收购买交易的授权请求，以及确定所述授权请求是否是由邻近读取邻近支付设备产生的。 该方法还包括：如果确定授权请求是从接近读取接近支付设备产生的，并且如果第一帐号是合格的，则将授权请求中包括的第一帐号映射到与第一帐号相关联的第二帐号中 用于映射。 此外，该方法包括将授权请求发送给发行者金融机构，其中第二帐号代替授权请求中的第一帐号。
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