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公开(公告)号：US20130097078A1
公开(公告)日：2013-04-18
申请号：US13274775
申请日：2011-10-17
IPC分类号： G06Q20/22
CPC分类号： G06Q20/027 , G06Q20/10 , G06Q20/20 , G06Q20/3278
摘要： Methods, systems, apparatus and computer program products for implementing a mobile remote payment system that allows consumers and merchants to engage in mobile remote payment transactions regardless of their registration point are described. In an embodiment, a mobile remote payment (MRP) switch computer receives from an originating service manager computer, a payment authorization request that comprises payment data, an originating service manager identifier, and a merchant identifier of a merchant. The MRP switch computer verifies the originating service manager identifier, determines that the merchant is affiliated with the receiving service manager, generates enriched payment instructions that include a switching identifier, transmits the enriched payment instructions to a receiving service manager computer, receives a payment authorization response from the receiving service manager computer that includes an electronic receipt, and transmits the payment authorization response and the electronic receipt to the originating service manager computer.
摘要翻译： 描述用于实现移动远程支付系统的方法，系统，装置和计算机程序产品，其允许消费者和商家从事移动远程支付交易而不考虑其注册点。 在一个实施例中，移动远程支付（MRP）交换计算机从始发服务管理器计算机接收包括支付数据，发起服务管理器标识符和商家的商家标识符的支付授权请求。 MRP交换计算机验证始发服务管理器标识符，确定商户与接收服务管理器相关联，生成包括切换标识符的富集支付指令，将富集的支付指令发送给接收服务管理器计算机，接收支付授权响应 从包括电子收据的接收服务管理器计算机发送支付授权响应和电子收据到发起服务管理计算机。
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公开(公告)号：US08271392B2
公开(公告)日：2012-09-18
申请号：US12416728
申请日：2009-04-01
申请人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
发明人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
IPC分类号： G06Q20/00
CPC分类号： G06Q20/35785 , G06Q20/12 , G06Q20/24 , G06Q20/40 , G06Q20/4037 , G06Q30/0283 , G06Q30/06 , G06Q40/00 , G06Q40/12 , H04L63/101
摘要： A method and system for processing a financial transaction using a payment card through a third-party interchange network is provided. The financial transaction is initiated by a cardholder at a merchant location. The method includes storing a list of private label participating merchants, receiving an authorization request for the transaction involving the payment card wherein the authorization request includes a merchant location identifier for the merchant location where the transaction occurred, performing a merchant screening process on the transaction including validating the transaction as originating at a private label participating merchant location, manipulating at the interchange network the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting the manipulated authorization request with the private label identifier to an issuer of the payment card for processing as a private label transaction.
摘要翻译： 提供了一种通过第三方交换网络处理使用支付卡的金融交易的方法和系统。 金融交易由商户位置的持卡人发起。 所述方法包括存储私人标签参与商家的列表，接收涉及支付卡的交易的授权请求，其中所述授权请求包括所述交易发生的商户位置的商户位置标识符，对所述交易进行商家筛选处理，包括 将所述交易验证为在私人标签参与商户位置发起，在所述交易所网络处操作所述授权请求以在所述交易被确定为在所述参与商家中的一个发起时包括私人标签标识符，以及将所述被操纵的授权请求与 私人标签标识符作为私人标签交易处理的支付卡的发行者。
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公开(公告)号：US09947010B2
公开(公告)日：2018-04-17
申请号：US13547445
申请日：2012-07-12
CPC分类号： G06Q20/401 , G06Q20/4097
摘要： Payments assurance methods and systems are described. In some embodiments, a Proxy Service Manager Server computer receives a consumer authentication request from a merchant device, and transmits that request to an Authentication Service Manager Server computer. The Proxy Service Manager Server computer then receives a non-repudiable accountholder authentication value (“AAV”) token, generates a payment authorization request that includes the AAV token, and transmits the payment authorization request to an Acquirer financial institution (FI) Server computer. The Proxy Service Manager Server computer is then operable to receive a payment authorization message, and to transmit the payment authorization message to the merchant device to enable a merchant to complete a purchase transaction with a consumer.
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公开(公告)号：US08191766B2
公开(公告)日：2012-06-05
申请号：US12396561
申请日：2009-03-03
CPC分类号： G06Q10/00 , G06Q20/02 , G06Q20/10 , G06Q20/12 , G06Q20/202 , G06Q20/24 , G06Q20/385 , G06Q20/40 , G06Q30/00 , G06Q40/12
摘要： A method and system for processing a merchant identification request from a private label payment card issuer is provided. The issuer is communicatively coupled to a multi-party payment card interchange that includes access to a database. The database stores a plurality of historical multi-party payment card transactions. The method includes transmitting a list of private label merchant locations from the issuer to the interchange wherein the list includes physical location information relating to the private label merchants listed, processing the list at the interchange by applying thereto an identification analysis including one of merchant matching only, test transaction only, and merchant matching plus test transaction, identifying at least one private label merchant location included within the list including associating a unique identifier with the at least one identified private label merchant location, and outputting the at least one identified private label merchant location with the associated unique identifier.
摘要翻译： 提供了一种从私人标签支付卡发行者处理商家识别请求的方法和系统。 发行者通信地耦合到包括对数据库的访问的多方支付卡交换。 数据库存储多个历史多方支付卡交易。 该方法包括从发行者向交换所发送私人标签商家位置的列表，其中该列表包括与列出的私人标签商家相关的物理位置信息，通过应用包括商家匹配之一的识别分析在交换处处理列表 ，仅测试交易，以及商家匹配加测试交易，识别包括在列表内的至少一个私人标签商家位置，包括将唯一标识符与至少一个识别的私有标签商家位置相关联，以及输出至少一个识别的私人标签商家 具有关联的唯一标识符的位置。
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公开(公告)号：US20090254463A1
公开(公告)日：2009-10-08
申请号：US12416728
申请日：2009-04-01
申请人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
发明人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
CPC分类号： G06Q20/35785 , G06Q20/12 , G06Q20/24 , G06Q20/40 , G06Q20/4037 , G06Q30/0283 , G06Q30/06 , G06Q40/00 , G06Q40/12 , H04L63/101
摘要： A method and system for processing a financial transaction using a payment card through a third-party interchange network is provided. The financial transaction is initiated by a cardholder at a merchant location. The method includes storing a list of private label participating merchants, receiving an authorization request for the transaction involving the payment card wherein the authorization request includes a merchant location identifier for the merchant location where the transaction occurred, performing a merchant screening process on the transaction including validating the transaction as originating at a private label participating merchant location, manipulating at the interchange network the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting the manipulated authorization request with the private label identifier to an issuer of the payment card for processing as a private label transaction.
摘要翻译： 提供了一种通过第三方交换网络处理使用支付卡的金融交易的方法和系统。 金融交易由商户位置的持卡人发起。 所述方法包括存储私人标签参与商家的列表，接收涉及支付卡的交易的授权请求，其中所述授权请求包括所述交易发生的商户位置的商户位置标识符，对所述交易进行商家筛选处理，包括 将所述交易验证为在私人标签参与商户位置发起，在所述交易所网络处操作所述授权请求以在所述交易被确定为在所述参与商家中的一个发起时包括私人标签标识符，以及将所述被操纵的授权请求与 私人标签标识符作为私人标签交易处理的支付卡的发行者。
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公开(公告)号：US20180053189A1
公开(公告)日：2018-02-22
申请号：US15240619
申请日：2016-08-18
申请人： Justin T. Monk , Howard Fish , Shoon Ping Wong
发明人： Justin T. Monk , Howard Fish , Shoon Ping Wong
CPC分类号： G06Q20/4016 , G06Q20/027 , G06Q20/204 , G06Q20/3223 , G06Q20/3224 , G06Q20/3821 , G06Q20/401 , G06Q30/0185 , H04L63/107 , H04L2463/102 , H04W4/02 , H04W4/029 , H04W12/00503 , H04W12/06
摘要： According to embodiments of the invention, data not ordinarily sent through a transaction network can be transmitted to a resource provider (e.g., a merchant) in an authorization response message. For example, a location of an authorized user of a credential can be transmitted to a merchant to be compared to the merchant's location. This allows the merchant to determine whether to deliver goods or services to a consumer presenting the credential. In an additional or alternative example, transaction statistics can be transmitted to a merchant to allow the merchant to perform analytics. In both cases, the authorization response message serves the function of not only providing authorization services, but also authentication services (via user location) and/or data services (via statistics).
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公开(公告)号：US20130173407A1
公开(公告)日：2013-07-04
申请号：US13777487
申请日：2013-02-26
IPC分类号： G06Q20/40
CPC分类号： G06Q40/12 , G06Q20/0855 , G06Q20/10 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/3221 , G06Q20/3229 , G06Q20/40 , G06Q40/02 , G06Q40/10
摘要： A method of operating a merchant device includes the merchant device receiving an input from a customer mobile device concerning a financial transaction. The method further includes the merchant device selecting a payment transaction mode of operation when the input is a request for a payment card system transaction, or selecting a payment card purchase transaction mode of operation when the input from the customer mobile device is a payment card account number. In the payment transaction mode of operation the merchant device provides transaction data to the customer's mobile device, whereas in the payment card purchase transaction mode the merchant device transmits a payment card authorization request to an acquirer financial institution.
摘要翻译： 操作商家设备的方法包括商人设备从客户移动设备接收关于金融交易的输入。 该方法还包括：当输入是支付卡系统交易的请求时，商家设备选择支付交易模式，或者当客户移动设备的输入是支付卡账户时，选择支付卡购买交易操作模式 数。 在支付交易模式中，商家装置向客户的移动装置提供交易数据，而在支付卡购买交易模式中，商家装置向收单方金融机构发送支付卡授权请求。
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公开(公告)号：US20090228365A1
公开(公告)日：2009-09-10
申请号：US12396561
申请日：2009-03-03
CPC分类号： G06Q10/00 , G06Q20/02 , G06Q20/10 , G06Q20/12 , G06Q20/202 , G06Q20/24 , G06Q20/385 , G06Q20/40 , G06Q30/00 , G06Q40/12
摘要： A method and system for processing a merchant identification request from a private label payment card issuer is provided. The issuer is communicatively coupled to a multi-party payment card interchange that includes access to a database. The database stores a plurality of historical multi-party payment card transactions. The method includes transmitting a list of private label merchant locations from the issuer to the interchange wherein the list includes physical location information relating to the private label merchants listed, processing the list at the interchange by applying thereto an identification analysis including one of merchant matching only, test transaction only, and merchant matching plus test transaction, identifying at least one private label merchant location included within the list including associating a unique identifier with the at least one identified private label merchant location, and outputting the at least one identified private label merchant location with the associated unique identifier.
摘要翻译： 提供了一种从私人标签支付卡发行者处理商家识别请求的方法和系统。 发行者通信地耦合到包括对数据库的访问的多方支付卡交换。 数据库存储多个历史多方支付卡交易。 该方法包括从发行者向交换所发送私人标签商家位置的列表，其中该列表包括与列出的私人标签商家相关的物理位置信息，通过应用包括商家匹配之一的识别分析在交换处处理列表 ，仅测试交易，以及商家匹配加测试交易，识别包括在列表内的至少一个私人标签商家位置，包括将唯一标识符与至少一个识别的私有标签商家位置相关联，以及输出至少一个识别的私人标签商家 具有关联的唯一标识符的位置。
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公开(公告)号：US20130018793A1
公开(公告)日：2013-01-17
申请号：US13547445
申请日：2012-07-12
CPC分类号： G06Q20/401 , G06Q20/4097
摘要： Payments assurance methods and systems are described. In some embodiments, a Proxy Service Manager Server computer receives a consumer authentication request from a merchant device, and transmits that request to an Authentication Service Manager Server computer. The Proxy Service Manager Server computer then receives a non-repudiable accountholder authentication value (“AAV”) token, generates a payment authorization request that includes the AAV token, and transmits the payment authorization request to an Acquirer financial institution (FI) Server computer. The Proxy Service Manager Server computer is then operable to receive a payment authorization message, and to transmit the payment authorization message to the merchant device to enable a merchant to complete a purchase transaction with a consumer.
摘要翻译： 描述付款保证方法和系统。 在一些实施例中，代理服务管理器服务器计算机从商家设备接收消费者认证请求，并将该请求发送到认证服务管理器服务器计算机。 代理服务管理服务器计算机然后接收不可否认的帐户认证值（AAV）令牌，生成包括AAV令牌的支付授权请求，并将支付授权请求发送给获取者金融机构（FI）服务器计算机。 代理服务管理器服务器计算机然后可操作以接收支付授权消息，并将支付授权消息传送到商家设备，以使商家能够与消费者完成购买交易。
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10.发明申请METHODS AND SYSTEMS FOR MANAGING CO-BRAND PROPRIETARY FINANCIAL TRANSACTION PROCESSING 有权管理同质货币金融交易处理的方法和系统公开(公告)号：US20090254462A1
公开(公告)日：2009-10-08
申请号：US12416727
申请日：2009-04-01
申请人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
发明人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
CPC分类号： G06Q40/06 , G06Q20/10 , G06Q20/24 , G06Q20/40 , G06Q20/405 , G06Q30/0241 , G06Q30/0283 , G06Q30/06 , G06Q40/00 , G06Q40/12 , G07F7/1008 , H04L63/101
摘要： A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing within a database a list of merchants participating in a co-brand program with the interchange network, receiving an authorization request for the transaction involving the co-brand payment card wherein the authorization request includes a merchant identifier, determining whether the transaction originated at one of the participating merchants by comparing the received merchant identifier to the list of participating merchants stored within the database, manipulating the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting an authorization response from the interchange network to the acquirer. The authorization response includes the private label identifier and designates the transaction for processing as a private label transaction.
摘要翻译： 提供了通过多方支付卡交换网络使用共同品牌专有支付卡处理金融交易的方法和系统。 该方法包括在数据库中存储与交换网络参与共同品牌节目的商家列表，接收涉及共同品牌支付卡的交易的授权请求，其中授权请求包括商家标识符，确定交易 通过将所接收到的商家标识符与存储在数据库中的参与商户的列表进行比较来起源于参与商家之一，当交易被确定为在参与商家之一发起时，操纵授权请求以包括私人标签标识符;以及 从交换网向发送方发送授权响应。 授权响应包括私有标签标识符，并指定作为私有标签交易处理的交易。
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