公开(公告)号：US08620806B2

公开(公告)日：2013-12-31

申请号：US13548983

申请日：2012-07-13

申请人： Ana Paula Martinez Prada Peyser ,  Bruce William Mac Nair ,  Cristobel Kay von Walstrom ,  Gary Randall Horn ,  Jason Alexander Korosec ,  Kimberly Ann Martin ,  Peter Julian Ramon Antonio R. Flor ,  Raegen Ann-Marie Lang ,  Richard Thomas Flynn ,  Todd C. Lowenberg ,  Thomas Joseph Sellner

发明人： Ana Paula Martinez Prada Peyser ,  Bruce William Mac Nair ,  Cristobel Kay von Walstrom ,  Gary Randall Horn ,  Jason Alexander Korosec ,  Kimberly Ann Martin ,  Peter Julian Ramon Antonio R. Flor ,  Raegen Ann-Marie Lang ,  Richard Thomas Flynn ,  Todd C. Lowenberg ,  Thomas Joseph Sellner

IPC分类号： G06Q40/00 ,  G06Q40/02

CPC分类号： G06Q20/023 ,  G06Q20/20 ,  G06Q40/025

摘要： A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.

摘要翻译： 网络运营商通过向支付设备发行商发送富有清理的商家数据的出站清算数据文件来中介无现金交易。 选择参与商户数据清理服务的发行人将被提供清洁和可选增加的商家信息。 向发行人提供此数据可用于帮助降低与持卡人“不承认”电话相关的费用，有争议的费用和退款。 通过清除记录中提供的清洁数据，设备持有者将被访问通过其声明进行交易的商家清洁信息。 本公开还提供了增加清算记录数据以包括当前不包括在交易清算记录中的特定商户的附加和/或汇总数据，但是在形式和内容方面对于发行者都是有用的。

公开(公告)号：US20130018781A1

公开(公告)日：2013-01-17

申请号：US13548983

申请日：2012-07-13

申请人： Ana Paula Martinez Prada Peyser ,  Bruce William Mac Nair ,  Cristobel Kay von Walstrom ,  Gary Randall Horn ,  Jason Alexander Korosec ,  Kimberly Ann Martin ,  Peter Julian Ramon Antonio R. Flor ,  Raegen Ann-Marie Lang ,  Richard Thomas Flynn ,  Todd C. Lowenberg ,  Thomas Joseph Sellner

发明人： Ana Paula Martinez Prada Peyser ,  Bruce William Mac Nair ,  Cristobel Kay von Walstrom ,  Gary Randall Horn ,  Jason Alexander Korosec ,  Kimberly Ann Martin ,  Peter Julian Ramon Antonio R. Flor ,  Raegen Ann-Marie Lang ,  Richard Thomas Flynn ,  Todd C. Lowenberg ,  Thomas Joseph Sellner

IPC分类号： G06Q20/10

CPC分类号： G06Q20/023 ,  G06Q20/20 ,  G06Q40/025

摘要： A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.

摘要翻译： 网络运营商通过向支付设备发行商发送富有清理的商家数据的出站清算数据文件来中介无现金交易。 选择参与商户数据清理服务的发行人将被提供清洁和可选增加的商家信息。 向发行人提供此数据可用于帮助降低与持卡人不接受电话，有争议的费用和退款相关的成本。 通过清除记录中提供的清洁数据，设备持有者将被访问通过其声明进行交易的商家清洁信息。 本公开还提供了增加清算记录数据以包括当前不包括在交易清算记录中的特定商户的附加和/或汇总数据，但是在形式和内容方面对于发行者都是有用的。

公开(公告)号：US20140067462A1

公开(公告)日：2014-03-06

申请号：US13601220

申请日：2012-08-31

申请人： Jason Alexander Korosec ,  Lars Oscar Scofield ,  Cristobel Kay von Walstrom

发明人： Jason Alexander Korosec ,  Lars Oscar Scofield ,  Cristobel Kay von Walstrom

IPC分类号： G06Q30/02 ,  G06Q50/00

CPC分类号： G06Q30/0201 ,  G06Q20/10 ,  G06Q30/0609 ,  G06Q50/01

摘要： An operator of a payment network obtains transaction data from a plurality of entities which make payments with the payment network. The operator of the payment network also obtains a plurality of consents from the plurality of entities which make payments with the payment network. The plurality of consents authorize the operator of the payment network to share at least a portion of the transaction data from the plurality of entities which make payments with the payment network with an operator of a social media site. At least portion of the transaction data is made available to the operator of the social media site.

摘要翻译： 支付网络的运营商从支付网络支付的多个实体获得交易数据。 支付网络的运营商还从多个实体获得多个同意，这些实体通过支付网络进行支付。 多个同意授权支付网络的运营商从具有社交媒体站点的运营商的用支付网络进行支付的多个实体共享交易数据的至少一部分。 交易数据的至少一部分可用于社交媒体站点的运营商。