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    CASH CARD SYSTEM
    1.
    发明申请
    CASH CARD SYSTEM 审中-公开
    现金卡系统

    公开(公告)号：US20110276420A1

    公开(公告)日：2011-11-10

    申请号：US12917767

    申请日：2010-11-02

    申请人： Robert White ,  Robert K. Walls ,  Shuan Ghaidan ,  Michael J. Cowen

    发明人： Robert White ,  Robert K. Walls ,  Shuan Ghaidan ,  Michael J. Cowen

    IPC分类号： G06Q20/00 ,  G06Q40/00

    CPC分类号： G06Q20/204 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/34 ,  G06Q20/349 ,  G06Q20/40 ,  G06Q30/06

    摘要： A method includes entering transaction data into a point of sale (POS) terminal. The POS terminal is operable with a number of payment applications. An integrated circuit (IC) card is interfaced to the POS terminal. The IC card stores data objects that correspond to the payment applications in the POS terminal. The POS terminal retrieves the data objects from the IC card and selects a payment application to be used for the transaction based on the data objects indicated as present in the IC card and/or based on the information related to the transaction.

    摘要翻译： 一种方法包括将交易数据输入到销售点（POS）终端。 POS终端可以与多个支付应用程序一起使用。 集成电路（IC）卡连接到POS终端。 IC卡存储与POS终端中的支付应用对应的数据对象。 POS终端从IC卡检索数据对象，并根据当前存在于IC卡中的数据对象和/或基于与交易相关的信息来选择要用于交易的支付应用。

    PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO RECEIVING FINANCIAL INSTITUTION
    2.
    发明申请
    PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO RECEIVING FINANCIAL INSTITUTION 审中-公开
    基于付款卡的汇款系统，提供抵押金融机构的清算信息

    公开(公告)号：US20130282585A1

    公开(公告)日：2013-10-24

    申请号：US13918519

    申请日：2013-06-14

    申请人： Robert K. Walls ,  David Chan ,  Dennis J. Hill ,  Sara E. Fiebiger

    发明人： Robert K. Walls ,  David Chan ,  Dennis J. Hill ,  Sara E. Fiebiger

    IPC分类号： G06Q20/10

    CPC分类号： G06Q20/10 ,  G06Q20/04 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/22 ,  G06Q20/24 ,  G06Q20/381 ,  G06Q30/02 ,  G06Q40/00

    摘要： A request for a funds transfer is received by a sending financial institution (FI) located in a first country from a mobile network operator (MNO) for a recipient located in a second country. The funds transfer request includes the sender's mobile telephone number and transaction data, and the process includes translating the mobile telephone number into a sender's payment card account number, determining that the sender's payment card account can support the transfer amount, and transmitting the transaction data and the sender's payment card account number to a payment system. The sending FI receives a payment confirmation message that satisfies compliance with know your customer (KYC) information and anti-money laundering (AML) information requirements, and transmits a remittance confirmation message to the MNO.

    摘要翻译： 针对位于第二国家的接收方，来自位于第一国家的发送金融机构（FI）从移动网络运营商（MNO）接收资金转帐请求。 资金转移请求包括发送者的移动电话号码和交易数据，该过程包括将移动电话号码转换成发送者的支付卡帐号，确定发送方的支付卡账户可以支持传输金额，并且发送交易数据和 发件人的付款卡帐号到付款系统。 发送FI接收到满足您的客户（KYC）信息和反洗钱（AML）信息要求的符合性的支付确认消息，并向MNO发送汇款确认消息。

    REMITTANCE RECIPIENT/SENDER NAME ON SENDER/RECIPIENT MONTHLY STATEMENT
    4.
    发明申请
    REMITTANCE RECIPIENT/SENDER NAME ON SENDER/RECIPIENT MONTHLY STATEMENT 审中-公开
    汇款接收人/发件人姓名/收件人月度报表

    公开(公告)号：US20080249927A1

    公开(公告)日：2008-10-09

    申请号：US11836881

    申请日：2007-08-10

    申请人： Michael L. Rethorn ,  Robert K. Walls ,  Michelle L. Grist

    发明人： Michael L. Rethorn ,  Robert K. Walls ,  Michelle L. Grist

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/40 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/381 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/04

    摘要： A method includes receiving at an issuer computer at least one message relating to a funds transfer routed to the issuer computer by a payment system. The message(s) include information indicative of the name of an individual who initiated the funds transfer. The issuer computer is operated by or on behalf of an issuer of payment card accounts. The funds transfer is credited to a payment cared account issued by the issuer to a recipient of the funds transfer. A periodic statement is generated concerning transactions charged or credited to the recipient's payment card account. The periodic statement includes an entry for the funds transfer. The entry includes the name the individual who initiated the funds transfer. Similarly, the name of the recipient of a funds transfer may appear on the periodic payment card account statement for a sender of the funds transfer.

    摘要翻译： 一种方法包括在发行者计算机处接收至少一个与通过支付系统路由到发行者计算机的资金转移有关的消息。 消息包括指示发起资金转移的个人的姓名的信息。 发行人计算机由支付卡账户的发行人或代表其运营。 资金转账记入发行人向资金转帐收款人发放的支付账户。 产生关于收款人支付卡账户收取或贷记的交易的定期报表。 定期报表包括资金转帐条目。 该条目包括发起资金转移的个人的姓名。 同样，资金转帐收件人的名称可能会出现在资金转帐发件人的定期支付卡账户对帐单上。

    REAL-TIME INDICATION OF REMITTANCE SENDER THAT REMITTANCE TRANSACTION FAILS
    8.
    发明申请
    REAL-TIME INDICATION OF REMITTANCE SENDER THAT REMITTANCE TRANSACTION FAILS 审中-公开
    救助交易失败的救生员的实时指示

    公开(公告)号：US20080249933A1

    公开(公告)日：2008-10-09

    申请号：US11836875

    申请日：2007-08-10

    申请人： Michael K. Rethorn ,  Robert K. Walls ,  Michelle L. Grist

    发明人： Michael K. Rethorn ,  Robert K. Walls ,  Michelle L. Grist

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/40 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/381 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/04

    摘要： A method includes initiating a remittance transaction interaction with a sender in response to a request from the sender. The request includes recipient information that identifies a recipient. As part of the remittance transaction, a request message is transmitted. A response is received in real time. The response indicates that the remittance transaction cannot be performed for lack of a valid recipient's account. The sender is informed that the remittance transaction cannot be performed. After the sender is so informed, the remittance transaction interaction with the sender is concluded.

    摘要翻译： 一种方法包括响应于来自发送者的请求发起与发送者的汇款交易交互。 请求包括标识收件人的收件人信息。 作为汇款交易的一部分，发送请求信息。 实时收到回复。 回复表示汇款交易由于缺少有效收件人的帐户而无法执行。 通知发件人无法执行汇款交易。 发件人如此通知后，与发件人的汇款交易交互结束。