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    PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION
    7.
    发明申请
    PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION 审中-公开
    基于付款卡的汇款系统，将货币清算信息交付给财务机构

    公开(公告)号：US20130151408A1

    公开(公告)日：2013-06-13

    申请号：US13757227

    申请日：2013-02-01

    申请人： Dennis J. Hill ,  Sandeep Malhotra ,  Sara E. Fiebiger ,  Dana Lorberg ,  Patrick Killian

    发明人： Dennis J. Hill ,  Sandeep Malhotra ,  Sara E. Fiebiger ,  Dana Lorberg ,  Patrick Killian

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/40 ,  G06Q20/10 ,  G06Q20/403 ,  G06Q40/02

    摘要： A payment system computer receives a request for a funds transfer from a sender to a recipient. The payment system computer routes a request to authorize funding of the funds transfer to a first financial institution. The payment system computer receives an authorization response that includes sender information that satisfies know your customer (KYC)/anti-money laundering (AML) requirements. A mobile telephone number of the recipient is translated into a recipient account number, wherein the recipient account number corresponds to a recipient account at a second financial institution different from the first financial institution. The payment system computer then transmits the sender information and the funds to the second financial institution to satisfy KYC/AML requirements and for crediting to the recipient account.

    摘要翻译： 支付系统计算机接收从发送者到接收方的资金转帐请求。 付款系统计算机向第一个金融机构发送授权资金拨款请求。 支付系统计算机接收到包括满足您的客户（KYC）/反洗钱（AML）要求）的发件人信息的授权响应。 接收方的移动电话号码被转换为接收者帐号，其中接收者帐号对应于与第一金融机构不同的第二金融机构的接收账户。 然后，支付系统计算机将发送者信息和资金传送给第二金融机构以满足KYC / AML要求并记入接收者帐户。

    DUAL USE POINT OF SALE TERMINAL AND METHODS OF OPERATING SAME
    9.
    发明申请
    DUAL USE POINT OF SALE TERMINAL AND METHODS OF OPERATING SAME 审中-公开
    销售终端的双重使用点及其操作方法

    公开(公告)号：US20130173407A1

    公开(公告)日：2013-07-04

    申请号：US13777487

    申请日：2013-02-26

    申请人： Patrick Killian ,  Sandeep Malhotra ,  Andrew D. Campbell ,  Shoon Ping Wong ,  Dana Lorberg

    发明人： Patrick Killian ,  Sandeep Malhotra ,  Andrew D. Campbell ,  Shoon Ping Wong ,  Dana Lorberg

    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。