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1.发明授权公开(公告)号：US08297501B1
公开(公告)日：2012-10-30
申请号：US13236446
申请日：2011-09-19
申请人： Eric F. Kowalchyk , See Yew Mo , Jimmy M. Lu , Satish Buddhavarapu , Michael J. Power , Janos Z. Mako
发明人： Eric F. Kowalchyk , See Yew Mo , Jimmy M. Lu , Satish Buddhavarapu , Michael J. Power , Janos Z. Mako
IPC分类号： G06K5/00
CPC分类号： G06Q20/4016 , G06Q20/102 , G06Q30/06 , G06Q40/025 , G06Q40/04
摘要： A consumer tenders a transaction card to a merchant to purchase a good or service. A merchant payment device, such as a payment terminal or mobile communication device, processes the payment utilizing a risk assessment system. Card data received by the payment device is sent to the risk assessment system, which processes card data and generates an indicator representing risk associated with accepting payment using the card. The indicator is sent to the payment device to provide the merchant input regarding risk associated with using the card (e.g., likelihood of fraud or chargeback) in a seamless manner. If the risk level is too high, the merchant may reject the card. The risk indicator may be based on different types of data from different sources, e.g., data from a first source related to the consumer's credit history and data from a second source related to the consumer's identity.
摘要翻译： 消费者向商家投标交易卡以购买商品或服务。 诸如支付终端或移动通信设备的商家支付设备使用风险评估系统处理支付。 由支付设备接收到的卡数据被发送到风险评估系统，该系统处理卡片数据并产生一个指示代表使用该卡接收支付的风险的指标。 指示符被发送到支付设备以便以无缝的方式提供与使用该卡相关的风险的商家输入（例如，欺诈或拒付的可能性）。 如果风险级别太高，商家可能会拒绝该卡。 风险指标可以基于来自不同来源的不同类型的数据，例如来自与消费者信用记录相关的第一来源的数据和来自与消费者身份相关的第二来源的数据。
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2.发明授权公开(公告)号：US08020763B1
公开(公告)日：2011-09-20
申请号：US12495371
申请日：2009-06-30
申请人： Eric F. Kowalchyk , See Yew Mo , Jimmy M. Lu , Satish Buddhavarapu , Michael J. Power , Janos Z. Mako
发明人： Eric F. Kowalchyk , See Yew Mo , Jimmy M. Lu , Satish Buddhavarapu , Michael J. Power , Janos Z. Mako
IPC分类号： G06K5/00
CPC分类号： G06Q20/4016 , G06Q20/102 , G06Q30/06 , G06Q40/025 , G06Q40/04
摘要： Systems and methods for assessing transaction risk. A consumer tenders a transaction card to a merchant to purchase a good or service. A payment device of the merchant, such as a payment terminal or mobile communication device of the merchant, is used to process the payment utilizing a risk assessment system. Card data received by the payment device is sent to the risk assessment system, which processes card data and generates an indicator representing the risk associated with accepting payment using the card. The indicator is sent to the payment device to provide the merchant input regarding risk associated with using the card (e.g., likelihood of fraud or chargeback) in a seamless manner. If the risk level is too high, the merchant may reject the card. The risk indicator may be based on different types of data from different sources, e.g., data from a first source related to the credit history of the consumer and data from a second source related to the identity of the consumer.
摘要翻译： 评估交易风险的系统和方法。 消费者向商家投标交易卡以购买商品或服务。 使用商家的支付装置，例如商家的支付终端或移动通信装置，用于利用风险评估系统来处理支付。 由支付设备接收到的卡片数据被发送到风险评估系统，该系统处理卡片数据，并产生一个指示符代表使用该卡接受支付的风险。 指示符被发送到支付设备以便以无缝的方式提供与使用该卡相关的风险的商家输入（例如，欺诈或拒付的可能性）。 如果风险级别太高，商家可能会拒绝该卡。 风险指标可以基于来自不同来源的不同类型的数据，例如来自与消费者的信用记录相关的第一来源的数据和来自与消费者身份相关的第二来源的数据。
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公开(公告)号：US07630937B1
公开(公告)日：2009-12-08
申请号：US12112766
申请日：2008-04-30
IPC分类号： G06Q99/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q20/102 , G06Q30/04
摘要： A method for performing a financial transaction that includes identifying a plurality of payment options associated with a payer executing the financial transaction, wherein each of the plurality of payment options is linked to a financial account of the payer, obtaining cost data and benefit data for each of the plurality of payment options, wherein the cost data includes a cost of using the payment option for the financial transaction and the benefit data includes a benefit of using the payment option for the financial transaction, selecting a preferred payment option from the plurality of payment options for the financial transaction based on the cost data and the benefit data, and processing the financial transaction using the preferred payment option to obtain a transaction confirmation.
摘要翻译： 一种用于执行金融交易的方法，其包括识别与执行所述金融交易的付款人相关联的多个支付选项，其中所述多个支付选项中的每一个链接到所述支付者的金融账户，获得每个所述支付者的成本数据和利益数据 ，其中所述成本数据包括使用所述金融交易的支付选项的成本，并且所述利益数据包括使用所述金融交易的所述支付选项的优点，从所述多个支付中选择优选的支付选项 基于成本数据和利益数据的金融交易的期权，以及使用首选支付选项处理金融交易以获得交易确认。
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公开(公告)号：US08145189B2
公开(公告)日：2012-03-27
申请号：US11769504
申请日：2007-06-27
CPC分类号： G06Q20/085 , G06Q20/0855 , G06Q20/367 , G06Q30/06 , H04L9/0825 , H04L9/0891 , H04L9/3215 , H04L2209/56 , H04L2209/805
摘要： A system that communicates information is described. During operation, this system receives an encryption key through a first wireless communication technique, wherein the first wireless communication technique includes near field communication. Then, the system communicates a document through a second wireless communication technique, where the document is associated with a financial transaction being conducted with a commercial establishment. Next, the system receives encrypted information through the second wireless communication technique, where the encrypted information is, at least in part, encrypted using the encryption key, and where the second wireless communication technique includes a technique other than near field communication.
摘要翻译： 描述了传达信息的系统。 在操作期间，该系统通过第一无线通信技术接收加密密钥，其中第一无线通信技术包括近场通信。 然后，系统通过第二无线通信技术来传送文档，其中文档与正在与商业机构进行的金融交易相关联。 接下来，系统通过第二无线通信技术接收加密信息，其中加密信息至少部分地使用加密密钥加密，并且第二无线通信技术包括除近场通信以外的技术。
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公开(公告)号：US09483783B1
公开(公告)日：2016-11-01
申请号：US12104341
申请日：2008-04-16
CPC分类号： G06Q30/0601
摘要： The invention relates to a method for purchasing a product by a consumer using a computing device. The method includes transmitting product information from a payee to the computing device, obtaining a purchase request for the product from the computing device, wherein the purchase request comprises a security identifier input by the consumer, inferring a consumer identity based on the purchase request and consumer information, authorizing the consumer to access the consumer information based on the purchase request and the consumer identity, wherein the consumer information is used to purchase the product, and generating a purchase authorization for the product and sending the purchase authorization to the payee based on the purchase request and the consumer information.
摘要翻译： 本发明涉及一种消费者使用计算设备购买产品的方法。 该方法包括将产品信息从收款人传送到计算设备，从计算设备获取产品的购买请求，其中购买请求包括消费者输入的安全标识符，基于购买请求和消费者推断消费者身份 信息，授权消费者基于购买请求和消费者身份访问消费者信息，其中使用消费者信息来购买产品，并且为产品生成购买授权并且基于购买者向购买者发送购买授权 购买请求和消费者信息。
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公开(公告)号：US08396794B1
公开(公告)日：2013-03-12
申请号：US12562999
申请日：2009-09-18
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q20/102 , G06Q30/04
摘要： A method for performing a financial transaction that includes identifying a plurality of payment options associated with a payer executing the financial transaction, wherein each of the plurality of payment options is linked to a financial account of the payer, obtaining cost data and benefit data for each of the plurality of payment options, wherein the cost data includes a cost of using the payment option for the financial transaction and the benefit data includes a benefit of using the payment option for the financial transaction, selecting a preferred payment option from the plurality of payment options for the financial transaction based on the cost data and the benefit data, and processing the financial transaction using the preferred payment option to obtain a transaction confirmation.
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公开(公告)号：US20090006263A1
公开(公告)日：2009-01-01
申请号：US11769504
申请日：2007-06-27
CPC分类号： G06Q20/085 , G06Q20/0855 , G06Q20/367 , G06Q30/06 , H04L9/0825 , H04L9/0891 , H04L9/3215 , H04L2209/56 , H04L2209/805
摘要： A system that communicates information is described. During operation, this system receives an encryption key through a first wireless communication technique, wherein the first wireless communication technique includes near field communication. Then, the system communicates a document through a second wireless communication technique, where the document is associated with a financial transaction being conducted with a commercial establishment. Next, the system receives encrypted information through the second wireless communication technique, where the encrypted information is, at least in part, encrypted using the encryption key, and where the second wireless communication technique includes a technique other than near field communication.
摘要翻译： 描述了传达信息的系统。 在操作期间，该系统通过第一无线通信技术接收加密密钥，其中第一无线通信技术包括近场通信。 然后，系统通过第二无线通信技术来传送文档，其中文档与正在与商业机构进行的金融交易相关联。 接下来，系统通过第二无线通信技术接收加密信息，其中加密信息至少部分地使用加密密钥加密，并且第二无线通信技术包括除近场通信以外的技术。
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