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公开(公告)号：US11756014B2
公开(公告)日：2023-09-12
申请号：US17354528
申请日：2021-06-22
申请人： Fiserv, Inc.
发明人： Daneen Elaine Cady , Kevin Gilbert
CPC分类号： G06Q20/1085 , G06Q20/3221 , G06Q20/3223 , G06Q20/3674 , G06Q40/02 , G07F19/203 , H04L9/0872 , H04L9/3228
摘要： Various embodiments are directed to systems and methods enabling cardless cash withdrawals from ATMs and/or other funds dispensing system. In various embodiments, a finite-duration access code is generated and associated with an account from which funds are to be withdrawn in response to a validated request generated at a mobile app operating on a user's mobile computing device. The access code is provided to the user (e.g., via the mobile app), who can then provide the finite-duration access code and an associated PIN to the funds dispensing system. The funds dispensing system transmits the received access code and/or PIN to servers to validate the request. The servers compare the transmitted data against stored data associated with the user's account, and generates a verification response to be transmitted to the funds dispensing system upon verification. The funds dispensing system then provides the requested cash to the user.
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2.发明申请公开(公告)号：US20160189123A1
公开(公告)日：2016-06-30
申请号：US14588201
申请日：2014-12-31
申请人： Fiserv, Inc.
IPC分类号： G06Q20/10
CPC分类号： G06Q20/1085 , G06Q20/385 , G06Q20/405
摘要： Systems, methods and computer-readable media are disclosed for providing a cardholder with a token corresponding to a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. The token is provided to a funds dispensing system that is configured to construct the corresponding card account identifier from the token and initiate a financial transaction using the card account identifier.
摘要翻译： 公开了系统，方法和计算机可读介质，用于向持卡人提供与卡帐户识别符相对应的令牌，用于在紧急情况下临时使用，其中现有卡帐户标识符潜在地受到威胁，这是由于窃取或丢失的 交易卡或其他潜在的盗用现有标识符或其他现有标识符不可用的情况。 用于临时使用的卡帐户标识符可以与限制可以使用标识符来获得资金的方式和范围的条件相关联。 令牌被提供给资金分配系统，其被配置为从令牌构建相应的卡帐户标识符并且使用卡帐户标识符发起金融交易。
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公开(公告)号：US20150332269A1
公开(公告)日：2015-11-19
申请号：US14720040
申请日：2015-05-22
申请人： FISERV, INC.
发明人： Carol Jackie Lucia Specogna , David Michael Keenan , Kevin Gilbert , Annmarie D. Hart , Roger W. Applewhite
CPC分类号： G06Q20/409 , G06F21/335 , G06Q20/10 , G06Q20/26 , G06Q20/385 , G06Q20/40 , G06Q40/02
摘要： Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information. The proxy may further be provided to other entities that may use the proxy as an indicator of the verification of the debit card account and for initiating transactions using the verified debit card account.
摘要翻译： 接收与借记卡帐户相关联的一个或多个信息并接收与借记卡相关联的信息的验证的系统和方法。 在验证时，可以与信息相关联地生成和存储与该信息相关联的代理。 代理可以进一步提供给可以使用代理的其他实体作为借记卡帐户的验证的指示符，并且使用已验证的借记卡帐户发起交易。
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公开(公告)号：US20150178709A1
公开(公告)日：2015-06-25
申请号：US14639950
申请日：2015-03-05
申请人： Fiserv, Inc.
CPC分类号： G06Q20/26 , G06Q20/108 , G06Q20/34 , G06Q40/02
摘要： Systems and methods that receive one or more images or one or more information elements associated with a payment instrument in the form of a payment request. The payment request may be processed to identify a debit mechanism and a debit card account to which a credit is to be made. A debit transaction may be generated based at least in part on the payment request. A credit transaction may be generated based at least in part on the payment request and the debit card account.
摘要翻译： 以支付请求的形式接收与支付工具相关联的一个或多个图像或一个或多个信息元素的系统和方法。 可以处理支付请求以识别将要进行信用的借方机制和借记卡帐户。 可以至少部分地基于付款请求生成借记交易。 可以至少部分地基于支付请求和借记卡帐户来生成信用交易。
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5.发明申请公开(公告)号：US20150095239A1
公开(公告)日：2015-04-02
申请号：US14041126
申请日：2013-09-30
申请人： FISERV , INC.
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3224 , G06Q20/3255 , G06Q20/3274 , G06Q20/351 , G06Q20/354 , G06Q20/4012 , G06Q20/4016 , G06Q20/405
摘要： Systems, methods and computer-readable media are disclosed for providing a cardholder with a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds.
摘要翻译： 公开了系统，方法和计算机可读介质，用于向持卡人提供在紧急情况下临时使用的卡帐户标识符，其中现有卡帐户标识符潜在地被泄密，这是因为交易卡或其他的盗用或丢失的结果 潜在的盗用现有标识符，或现有标识符不可用于其他情况。 用于临时使用的卡帐户标识符可以与限制可以使用标识符来获得资金的方式和范围的条件相关联。
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公开(公告)号：US20140258120A1
公开(公告)日：2014-09-11
申请号：US13791101
申请日：2013-03-08
申请人： FISERV, INC.
发明人： Carol Jackie Lucia Specogna , David Michael Keenan , Kevin Gilbert , Mimi Hart , Roger Applewhite
IPC分类号： G06Q20/40
CPC分类号： G06Q20/409 , G06F21/335 , G06Q20/10 , G06Q20/26 , G06Q20/385 , G06Q20/40 , G06Q40/02
摘要： Systems and methods that receive one or more information associated with a debit card account and receive verification of the information associated with the debit card. Upon the verification, a proxy associated with the information may be generated and stored in association with the information. The proxy may further be provided to other entities that may use the proxy as an indicator of the verification of the debit card account and for initiating transactions using the verified debit card account.
摘要翻译： 接收与借记卡帐户相关联的一个或多个信息并且接收与借记卡相关联的信息的验证的系统和方法。 在验证时，可以与信息相关联地生成和存储与该信息相关联的代理。 代理可以进一步提供给可以使用代理的其他实体作为借记卡帐户的验证的指示符，并且使用已验证的借记卡帐户发起交易。
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公开(公告)号：US11042850B2
公开(公告)日：2021-06-22
申请号：US14588201
申请日：2014-12-31
申请人： Fiserv, Inc.
摘要： Systems, methods and computer-readable media are disclosed for providing a cardholder with a token corresponding to a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. The token is provided to a funds dispensing system that is configured to construct the corresponding card account identifier from the token and initiate a financial transaction using the card account identifier.
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公开(公告)号：US20150095240A1
公开(公告)日：2015-04-02
申请号：US14041129
申请日：2013-09-30
申请人： FISERV, INC.
CPC分类号： G06Q20/405 , G06Q20/385
摘要： Systems, methods and computer-readable media are disclosed for providing a cardholder with a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds.
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公开(公告)号：US20140244485A1
公开(公告)日：2014-08-28
申请号：US13780627
申请日：2013-02-28
申请人： FISERV, INC.
IPC分类号： G06Q20/10
CPC分类号： G06Q20/26 , G06Q20/108 , G06Q20/34 , G06Q40/02
摘要： Systems and methods that receive one or more images or one or more information elements associated with a payment instrument in the form of a payment request. The payment request may be processed to identify a debit mechanism and a debit card account to which a credit is to be made. A debit transaction may be generated based at least in part on the payment request. A credit transaction may be generated based at least in part on the payment request and the debit card account.
摘要翻译： 以支付请求的形式接收与支付工具相关联的一个或多个图像或一个或多个信息元素的系统和方法。 可以处理支付请求以识别将要进行信用的借方机制和借记卡帐户。 可以至少部分地基于付款请求生成借记交易。 可以至少部分地基于支付请求和借记卡帐户来生成信用交易。
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公开(公告)号：US20210319417A1
公开(公告)日：2021-10-14
申请号：US17354528
申请日：2021-06-22
申请人： Fiserv, Inc.
发明人： Daneen Elaine Cady , Kevin Gilbert
摘要： Various embodiments are directed to systems and methods enabling cardless cash withdrawals from ATMs and/or other funds dispensing system. In various embodiments, a finite-duration access code is generated and associated with an account from which funds are to be withdrawn in response to a validated request generated at a mobile app operating on a user's mobile computing device. The access code is provided to the user (e.g., via the mobile app), who can then provide the finite-duration access code and an associated PIN to the funds dispensing system. The funds dispensing system transmits the received access code and/or PIN to servers to validate the request. The servers compare the transmitted data against stored data associated with the user's account, and generates a verification response to be transmitted to the funds dispensing system upon verification. The funds dispensing system then provides the requested cash to the user.
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