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    Systems and methods for screening payment transactions
    1.
    发明授权
    Systems and methods for screening payment transactions 有权
    筛查支付交易的系统和方法

    公开(公告)号：US08296232B2

    公开(公告)日：2012-10-23

    申请号：US13051996

    申请日：2011-03-18

    申请人： John Tullis ,  Mark Norris ,  Vishwanath Shastry ,  Kate J. Kennedy ,  Justin Mason Chace ,  Susan J. French

    发明人： John Tullis ,  Mark Norris ,  Vishwanath Shastry ,  Kate J. Kennedy ,  Justin Mason Chace ,  Susan J. French

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/4016 ,  G06Q30/06

    摘要： Methods and systems for anti money laundering screening are provided. A risk score and a first validation code is determined based on information related to a funds transfer transaction. The first validation code is associated with the risk score. Thereafter, a second validation code is calculated and compared with the first validation code. The risk score and the validation score are included in a payment authorization message sent to a payment processing network. The payment processing network extracts the validation code and communicates the payment authorization message including the risk score to a receiving financial institution. The receiving financial entity accepts or denies the incoming funds transfer based on the risk score included in the payment authorization message.

    摘要翻译： 提供了反洗钱筛选方法和系统。 基于与资金转移交易相关的信息来确定风险分数和第一确认代码。 第一个验证码与风险分数相关联。 此后，计算第二验证码并将其与第一验证码进行比较。 风险分数和验证分数被包括在发送到支付处理网络的支付授权消息中。 支付处理网络提取验证码，并将包括风险分数的支付授权消息传达给接收金融机构。 接收金融实体根据支付授权消息中包含的风险分数接受或拒绝接收到的资金转账。

    SYSTEMS AND METHODS FOR SCREENING PAYMENT TRANSACTIONS
    2.
    发明申请
    SYSTEMS AND METHODS FOR SCREENING PAYMENT TRANSACTIONS 有权
    用于筛选支付交易的系统和方法

    公开(公告)号：US20110270756A1

    公开(公告)日：2011-11-03

    申请号：US13051996

    申请日：2011-03-18

    申请人： John Tullis ,  Mark Norris ,  Vishwanath Shastry ,  Kate J. Kennedy ,  Justin Mason Chace ,  Susan J. French

    发明人： John Tullis ,  Mark Norris ,  Vishwanath Shastry ,  Kate J. Kennedy ,  Justin Mason Chace ,  Susan J. French

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/4016 ,  G06Q30/06

    摘要： Methods and systems for anti money laundering screening are provided. A risk score and a first validation code is determined based on information related to a funds transfer transaction. The first validation code is associated with the risk score. Thereafter, a second validation code is calculated and compared with the first validation code. The risk score and the validation score are included in a payment authorization message sent to a payment processing network. The payment processing network extracts the validation code and communicates the payment authorization message including the risk score to a receiving financial institution. The receiving financial entity accepts or denies the incoming funds transfer based on the risk score included in the payment authorization message.

    摘要翻译： 提供了反洗钱筛选方法和系统。 基于与资金转移交易相关的信息来确定风险分数和第一确认代码。 第一个验证码与风险分数相关联。 此后，计算第二验证码并将其与第一验证码进行比较。 风险分数和验证分数被包括在发送到支付处理网络的支付授权消息中。 支付处理网络提取验证码并将包括风险分数的支付授权消息传达给接收金融机构。 接收金融实体根据支付授权消息中包含的风险分数接受或拒绝接收到的资金转账。

    ALIAS MANAGEMENT AND VALUE TRANSFER CLAIM PROCESSING
    4.
    发明申请
    ALIAS MANAGEMENT AND VALUE TRANSFER CLAIM PROCESSING 审中-公开
    ALIAS管理和价值转移索赔处理

    公开(公告)号：US20130179335A1

    公开(公告)日：2013-07-11

    申请号：US13681220

    申请日：2012-11-19

    申请人： Thanigaivel Ashwin Raj ,  Jacob Saul Fuentes ,  John Tullis ,  Vishwanath Shastry

    发明人： Thanigaivel Ashwin Raj ,  Jacob Saul Fuentes ,  John Tullis ,  Vishwanath Shastry

    IPC分类号： G06Q20/10

    摘要： An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.

    摘要翻译： 公开了一种别名管理和价值转让理赔处理系统。 发送实体发起使用未与系统未注册的别名标识接收方实体的值传输。 价值转让是授权的，但直到接收方实体向系统注册并声明价值转移为止。 注册的别名可用于后续值转移。

    Alias management and value transfer claim processing
    5.
    发明授权
    Alias management and value transfer claim processing 有权
    别名管理和价值转移索赔处理

    公开(公告)号：US08336088B2

    公开(公告)日：2012-12-18

    申请号：US13034449

    申请日：2011-02-24

    申请人： Thanigaivel Ashwin Raj ,  Jacob Saul Fuentes ,  John Tullis ,  Vishwanath Shastry

    发明人： Thanigaivel Ashwin Raj ,  Jacob Saul Fuentes ,  John Tullis ,  Vishwanath Shastry

    IPC分类号： G06F7/04

    CPC分类号： G06Q20/10 ,  G06Q40/00

    摘要： An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.

    摘要翻译： 公开了一种别名管理和价值转让理赔处理系统。 发送实体发起使用未与系统未注册的别名标识接收方实体的值传输。 价值转让是授权的，但直到接收方实体向系统注册并声明价值转移为止。 注册的别名可用于后续值转移。

    Alias Management and Value Transfer Claim Processing
    7.
    发明申请
    Alias Management and Value Transfer Claim Processing 有权
    别名管理和价值转移索赔处理

    公开(公告)号：US20110258686A1

    公开(公告)日：2011-10-20

    申请号：US13034449

    申请日：2011-02-24

    申请人： Thanigaivel Ashwin Raj ,  Jacob Saul Fuentes ,  John Tullis ,  Vishwanath Shastry

    发明人： Thanigaivel Ashwin Raj ,  Jacob Saul Fuentes ,  John Tullis ,  Vishwanath Shastry

    IPC分类号： G06F21/20

    CPC分类号： G06Q20/10 ,  G06Q40/00

    摘要： An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.

    摘要翻译： 公开了一种别名管理和价值转让理赔处理系统。 发送实体发起使用未与系统未注册的别名标识接收方实体的值传输。 价值转让是授权的，但直到接收方实体向系统注册并声明价值转移为止。 注册的别名可用于后续值转移。

    ALIAS MANAGEMENT AND OFF-US DDA PROCESSING
    8.
    发明申请
    ALIAS MANAGEMENT AND OFF-US DDA PROCESSING 审中-公开
    ALIAS管理和美国DDA处理

    公开(公告)号：US20110258111A1

    公开(公告)日：2011-10-20

    申请号：US13089134

    申请日：2011-04-18

    申请人： Thanigaivel Ashwin Raj ,  Jacob Saul Fuentes ,  John Tullis ,  Vishwanath Shastry

    发明人： Thanigaivel Ashwin Raj ,  Jacob Saul Fuentes ,  John Tullis ,  Vishwanath Shastry

    IPC分类号： G06Q40/00

    摘要： An alias management and off-us demand deposit account processing system is disclosed. A sending entity initiates a value transfer with a payment processing network indicating a value transfer providing issuer which will conduct the value transfer and a demand deposit account issuer which hosts the demand deposit account that funds the value transfer. The sending entity is able to conduct a value transfer via a value transfer providing issuer using funds from an account with another issuer.

    摘要翻译： 披露了一个别名管理和离职人员存款账户处理系统。 发送实体通过支付处理网络发起价值转移，该网络指示将进行价值转移的价值转移提供发行者以及托管该价值转移的定金存款账户的定期存款账户发行者。 发送实体能够通过价值转移提供发行者使用来自与另一发行者的账户的资金进行价值转移。

    Mobile remittances/payments
    9.
    发明授权
    Mobile remittances/payments 有权
    移动汇款/付款

    公开(公告)号：US08504450B2

    公开(公告)日：2013-08-06

    申请号：US11848745

    申请日：2007-08-31

    申请人： Vishwanath Shastry

    发明人： Vishwanath Shastry

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/10 ,  G06Q20/227 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q30/06 ,  G06Q40/02

    摘要： A method and a system for mobile remittance and/or payment are provided. Example embodiments may include receiving a request, at a financial entity and from a first party, to remit an amount from an account, associated with the first party to a mobile account associated with a phone number of a second party; notifying the second party of the amount to be remitted and an identity of the first party; receiving a personal identification component from the second party; accessing the mobile account based on the personal identification component; and depositing the amount into the mobile account. A request may be received from the second party to transfer a portion of the amount to a third party.

    摘要翻译： 提供了用于移动汇款和/或支付的方法和系统。 示例性实施例可以包括在金融实体和第一方接收从与第一方相关联的帐户的金额到与第二方的电话号码相关联的移动账户的请求; 通知第二方要汇出的金额和第一方的身份; 从第二方接收个人识别组件; 基于个人识别组件访问移动帐户; 并将金额存入移动账户。 可以从第二方接收请求以将一部分金额转移给第三方。

    BIDIRECTIONAL BANDWIDTH REDUCING NOTIFICATIONS AND TARGETED INCENTIVE PLATFORM APPARATUSES, METHODS AND SYSTEMS
    10.
    发明申请
    BIDIRECTIONAL BANDWIDTH REDUCING NOTIFICATIONS AND TARGETED INCENTIVE PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
    双向减少通知和目标激励平台设备，方法和系统

    公开(公告)号：US20130159081A1

    公开(公告)日：2013-06-20

    申请号：US13543825

    申请日：2012-07-07

    申请人： Vishwanath Shastry ,  Marc Blum ,  Thomas Purves ,  Ayman Hammad

    发明人： Vishwanath Shastry ,  Marc Blum ,  Thomas Purves ,  Ayman Hammad

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/0274 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/363

    摘要： The BIDIRECTIONAL BANDWIDTH REDUCING NOTIFICATIONS AND TARGETED INCENTIVE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“Ad-Track”) transform consumer activity data via Ad-Track components into ad revenue sharing payment transactions. In one implementation, a method of improving network data transmission efficiency and reducing network bandwidth usage is disclosed, comprising: instantiating a remote tracking component on a user device; receiving a consumer trigger event with regard to a product via the remote tracking component; determining a related merchant based on the trigger event, the merchant providing the product; and providing an advertisement component advertising the merchant via the remote tracking component to the consumer.

    摘要翻译： 双向减免通知和目标激励平台设备，方法和系统（“Ad-Track”）通过Ad-Track组件将消费者活动数据转换为广告收入共享支付交易。 在一个实现中，公开了一种提高网络数据传输效率和减少网络带宽使用的方法，包括：在用户设备上实例化远程跟踪组件; 通过远程跟踪组件接收关于产品的消费者触发事件; 基于所述触发事件确定相关商家，所述商家提供所述产品; 以及通过所述远程跟踪组件向所述消费者提供向所述商户广告的广告组件。