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1.发明授权公开(公告)号：US09165294B2
公开(公告)日：2015-10-20
申请号：US13594433
申请日：2012-08-24
申请人： Pankaj Sharma , Vikram Modi , Shantnu Singh
发明人： Pankaj Sharma , Vikram Modi , Shantnu Singh
CPC分类号： G06Q20/3276 , G06Q20/346
摘要： Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.
摘要翻译： 本发明的实施例通过将某些移动设备的图像捕获和图像处理能力与基于卡的支付交易基础设施集成来促进支付交易。 在一些实施例中，使用包含在移动设备中的相机来捕获在基板的表面上可见的条形码图像。 条形码可以代表或以其他方式编码支付账户数据，消费者认证数据，消费者资料数据或其他相关信息中的一个或多个。 在一些实施例中，捕捉的图像可以由移动设备处理以提取支付账户数据，认证数据或其他相关数据。 然后，该数据可以被传送到连接到支付处理网络或形成支付处理网络的一部分的数据处理元件，以进行期望的支付交易。
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公开(公告)号：US08851366B2
公开(公告)日：2014-10-07
申请号：US13204904
申请日：2011-08-08
申请人： Vikram Modi
发明人： Vikram Modi
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/0855 , G06Q20/108 , G06Q20/40
摘要： A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the transaction. An authentication window appears displaying the sender's transaction details and the sender is prompted to enter his or her password. Upon successful authentication, the bank seeks authorization from the card issuer. Upon successful authorization, the bank credits the recipient's local bank account or existing payment card. The recipient can also receive a check, a draft, a prepaid card or cash. The money transfer service is used both cross-border and domestic to effect person-to-person money transfer. The money transfer service uses the “Verified by Visa” authentication service and VisaNet for authorization. Messages over VisaNet are used to deliver funds to a recipient.
摘要翻译： 一家银行（或商户）负责并经营网上汇款服务（或“门户”）。 发件人登录门户并输入支付卡和汇款资料，然后提交交易。 出现验证窗口，显示发件人的交易详细信息，并提示发件人输入他或她的密码。 认证成功后，银行向发卡机构申请授权。 获得授权后，银行将收件人的本地银行帐户或现有支付卡信用。 收件人还可以收到支票，汇票，预付卡或现金。 跨境和国内的汇款服务均用于个人转账。 汇款服务使用“Visa签证”认证服务和VisaNet进行授权。 VisaNet上的邮件用于向收件人发放资金。
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公开(公告)号：US20140214675A1
公开(公告)日：2014-07-31
申请号：US14162647
申请日：2014-01-23
申请人： Pankaj Sharma , Vikram Modi , Shantnu Singh , Geir Forde , Karen Cervenka
发明人： Pankaj Sharma , Vikram Modi , Shantnu Singh , Geir Forde , Karen Cervenka
CPC分类号： G06Q20/10
摘要： Embodiments of the invention introduce systems and methods for using a payment processing network to conduct transactions between accounts not associated with the payment processing network. One embodiment of the invention discloses a method for conducting a funds transfer transaction. The method comprises receiving a recipient bank identifier and a recipient account identifier associated with a recipient account, determining a recipient bank primary account number (PAN) using the recipient bank identifier, generating an authorization request message comprising the recipient bank PAN and the recipient account identifier, sending an authorization request message for a transaction to a recipient bank computer, wherein the recipient bank PAN is used to route the authorization request message to the recipient bank computer, and receiving an authorization response message.
摘要翻译： 本发明的实施例引入了使用支付处理网络在不与支付处理网络相关联的帐户之间进行交易的系统和方法。 本发明的一个实施例公开了一种进行资金转账交易的方法。 该方法包括接收与接收者帐户相关联的接收者银行标识符和接收者帐户标识符，使用接收方银行标识符确定收件人银行主帐号（PAN），生成包括接收方银行PAN和接收方账户标识符的授权请求消息 向接收方银行计算机发送用于交易的授权请求消息，其中，所述接收方银行PAN用于将所述授权请求消息路由到所述接收方银行计算机，以及接收授权响应消息。
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公开(公告)号：US20120066131A1
公开(公告)日：2012-03-15
申请号：US13204911
申请日：2011-08-08
申请人： Vikram Modi
发明人： Vikram Modi
IPC分类号： G06Q20/40
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/0855 , G06Q20/108 , G06Q20/40
摘要： A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the transaction. An authentication window appears displaying the sender's transaction details and the sender is prompted to enter his or her password. Upon successful authentication, the bank seeks authorization from the card issuer. Upon successful authorization, the bank credits the recipient's local bank account or existing payment card. The recipient can also receive a check, a draft, a prepaid card or cash. The money transfer service is used both cross-border and domestic to effect person-to-person money transfer. The money transfer service uses the “Verified by Visa” authentication service and VisaNet for authorization. Messages over VisaNet are used to deliver funds to a recipient.
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公开(公告)号：US20100287085A1
公开(公告)日：2010-11-11
申请号：US12683118
申请日：2010-01-06
申请人： Bob Joubert , Kenneth Cheng , Shantnu Singh , Vikram Modi , Mennie Co So
发明人： Bob Joubert , Kenneth Cheng , Shantnu Singh , Vikram Modi , Mennie Co So
CPC分类号： G06Q20/105 , G06Q20/28 , G06Q20/347 , G06Q20/385 , G06Q30/02 , G06Q40/00 , G06Q40/02 , G07F7/08
摘要： Embodiments of the invention are directed to apparatuses, systems, and methods that allow for personalized data to be embedded in a primary account number associated with a consumer device. In one embodiment, a consumer device comprises a body and personalized data embedded into a primary account number, associated with the body. The primary account number includes a bank identification number and the bank identification number and the personalized data overlap.
摘要翻译： 本发明的实施例涉及允许将个性化数据嵌入与消费者设备相关联的主帐号中的装置，系统和方法。 在一个实施例中，消费者设备包括身体和嵌入到与身体相关联的主帐号中的个性化数据。 主帐号包括银行识别号码和银行识别号码和个性化数据重叠。
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公开(公告)号：US20120066124A1
公开(公告)日：2012-03-15
申请号：US13204904
申请日：2011-08-08
申请人： Vikram Modi
发明人： Vikram Modi
IPC分类号： G06Q40/02
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/0855 , G06Q20/108 , G06Q20/40
摘要： A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the transaction. An authentication window appears displaying the sender's transaction details and the sender is prompted to enter his or her password. Upon successful authentication, the bank seeks authorization from the card issuer. Upon successful authorization, the bank credits the recipient's local bank account or existing payment card. The recipient can also receive a check, a draft, a prepaid card or cash. The money transfer service is used both cross-border and domestic to effect person-to-person money transfer. The money transfer service uses the “Verified by Visa” authentication service and VisaNet for authorization. Messages over VisaNet are used to deliver funds to a recipient.
摘要翻译： 一家银行（或商户）负责并经营网上汇款服务（或“门户”）。 发件人登录门户并输入支付卡和汇款资料，然后提交交易。 出现验证窗口，显示发件人的交易详细信息，并提示发件人输入他或她的密码。 认证成功后，银行向发卡机构申请授权。 获得授权后，银行将收件人的本地银行帐户或现有支付卡信用。 收件人还可以收到支票，汇票，预付卡或现金。 跨境和国内的汇款服务均用于个人转账。 汇款服务使用“Visa签证”认证服务和VisaNet进行授权。 VisaNet上的邮件用于向收件人发放资金。
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公开(公告)号：US20130144787A1
公开(公告)日：2013-06-06
申请号：US13714045
申请日：2012-12-13
申请人： Bob Joubert , Vikram Modi , Shantnu Singh , Kenneth Cheng , Mennie Co So
发明人： Bob Joubert , Vikram Modi , Shantnu Singh , Kenneth Cheng , Mennie Co So
IPC分类号： G06Q40/02
CPC分类号： G06Q20/105 , G06Q20/28 , G06Q20/347 , G06Q20/385 , G06Q30/02 , G06Q40/00 , G06Q40/02 , G07F7/08
摘要： Embodiments of the invention are directed to apparatuses, systems, and methods that allow for personalized data to be embedded in a primary account number associated with a consumer device. In one embodiment, a consumer device comprises a body and personalized data embedded into a primary account number, associated with the body. The primary account number includes a bank identification number and the bank identification number and the personalized data overlap.
摘要翻译： 本发明的实施例涉及允许将个性化数据嵌入与消费者设备相关联的主帐号中的装置，系统和方法。 在一个实施例中，消费者设备包括身体和嵌入到与身体相关联的主帐号中的个性化数据。 主帐号包括银行识别号码和银行识别号码和个性化数据重叠。
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公开(公告)号：US20180349884A1
公开(公告)日：2018-12-06
申请号：US16102327
申请日：2018-08-13
申请人： Pankaj Sharma , Vikram Modi , Shantnu Singh
发明人： Pankaj Sharma , Vikram Modi , Shantnu Singh
CPC分类号： G06Q20/3276 , G06Q20/346
摘要： Embodiments of the invention facilitate payment transactions by integrating the image capture and image processing capabilities of certain mobile devices with the card-based payment transaction infrastructure. In some embodiments, a camera contained in a mobile device is used to capture an image of a barcode that is visible on the surface of a substrate. The barcode may represent or otherwise encode one or more of payment account data, consumer authentication data, consumer profile data, or other relevant information. In some embodiments, the captured image may be processed by the mobile device to extract the payment account data, authentication data, or other relevant data. This data may then be communicated to a data processing element that is connected to, or forms part of, a payment processing network in order to conduct the desired payment transaction.
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公开(公告)号：US08712889B2
公开(公告)日：2014-04-29
申请号：US12683118
申请日：2010-01-06
申请人： Vikram Modi , Shantnu Singh , Bob Joubert , Kenneth Cheng , Mennie Co So
发明人： Vikram Modi , Shantnu Singh , Bob Joubert , Kenneth Cheng , Mennie Co So
CPC分类号： G06Q20/105 , G06Q20/28 , G06Q20/347 , G06Q20/385 , G06Q30/02 , G06Q40/00 , G06Q40/02 , G07F7/08
摘要： Embodiments of the invention are directed to apparatuses, systems, and methods that allow for personalized data to be embedded in a primary account number associated with a consumer device. In one embodiment, a consumer device comprises a body and personalized data embedded into a primary account number, associated with the body. The primary account number includes a bank identification number and the bank identification number and the personalized data overlap.
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公开(公告)号：US08016185B2
公开(公告)日：2011-09-13
申请号：US10926652
申请日：2004-08-26
申请人： Vikram Modi
发明人： Vikram Modi
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/0855 , G06Q20/108 , G06Q20/40
摘要： A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the transaction. An authentication window appears displaying the sender's transaction details and the sender is prompted to enter his or her password. Upon successful authentication, the bank seeks authorization from the card issuer. Upon successful authorization, the bank credits the recipient's local bank account or existing payment card. The recipient can also receive a check, a draft, a prepaid card or cash. The money transfer service is used both cross-border and domestic to effect person-to-person money transfer. The money transfer service uses the “Verified by Visa” authentication service and VisaNet for authorization. Messages over VisaNet are used to deliver funds to a recipient.
摘要翻译： 一家银行（或商户）负责并经营网上汇款服务（或“门户”）。 发件人登录门户并输入支付卡和汇款资料，然后提交交易。 出现验证窗口，显示发件人的交易详细信息，并提示发件人输入他或她的密码。 认证成功后，银行向发卡机构申请授权。 获得授权后，银行将收件人的本地银行帐户或现有支付卡信用。 收件人还可以收到支票，汇票，预付卡或现金。 跨境和国内的汇款服务均用于个人转账。 汇款服务使用“Visa签证”认证服务和VisaNet进行授权。 VisaNet上的邮件用于向收件人发放资金。
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