公开(公告)号：US20110258116A1

公开(公告)日：2011-10-20

申请号：US13093660

申请日：2011-04-25

申请人： Lynn Kemper ,  Barbara Patterson ,  Kimberly Lawrence

发明人： Lynn Kemper ,  Barbara Patterson ,  Kimberly Lawrence

IPC分类号： G06Q40/00

CPC分类号： G06Q30/04 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/00

摘要： Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.

摘要翻译： 提供了处理在线银行账单支付请求的技术。 从在线银行账单支付网站的运营商接收到账单支付请求。 经营者可能是银行。 该请求是使用便携式消费者设备支付帐单。 然后为发行者生成交易请求，并将其发送给发行方进行授权。 然后，发行方发送一个响应，指示交易请求是否被批准或拒绝。 如果交易被批准，则会生成一个汇款人的汇款信息。 然后将汇款信息转发给在线银行账单支付网站的运营商，以转发给便携式消费者设备的用户。 此外，汇款信息被发送给收单方或现金管理银行，该银行可将信息转发给与账单支付请求相关联的账单。

公开(公告)号：US07958030B2

公开(公告)日：2011-06-07

申请号：US11217691

申请日：2005-08-31

申请人： Lynn Kemper ,  Barbara Patterson ,  Kimberly Lawrence

发明人： Lynn Kemper ,  Barbara Patterson ,  Kimberly Lawrence

IPC分类号： G06Q40/00

CPC分类号： G06Q30/04 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/00

摘要： Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.

摘要翻译： 提供了处理在线银行账单支付请求的技术。 从在线银行账单支付网站的运营商接收到账单支付请求。 经营者可能是银行。 该请求是使用便携式消费者设备支付帐单。 然后为发行者生成交易请求，并将其发送给发行方进行授权。 然后，发行方发送一个响应，指示交易请求是否被批准或拒绝。 如果交易被批准，则会生成一个汇款人的汇款信息。 然后将汇款信息转发给在线银行账单支付网站的运营商，以转发给便携式消费者设备的用户。 此外，汇款信息被发送给收单方或现金管理银行，该银行可将信息转发给与账单支付请求相关联的账单。

公开(公告)号：US08255327B2

公开(公告)日：2012-08-28

申请号：US13093660

申请日：2011-04-25

申请人： Lynn Kemper ,  Barbara Patterson ,  Kimberly Lawrence

发明人： Lynn Kemper ,  Barbara Patterson ,  Kimberly Lawrence

IPC分类号： G06Q40/00

CPC分类号： G06Q30/04 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/00

摘要： Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.

摘要翻译： 提供了处理在线银行账单支付请求的技术。 从在线银行账单支付网站的运营商接收到账单支付请求。 经营者可能是银行。 该请求是使用便携式消费者设备支付帐单。 然后为发行者生成交易请求，并将其发送给发行方进行授权。 然后，发行方发送一个响应，指示交易请求是否被批准或拒绝。 如果交易被批准，则会生成一个汇款人的汇款信息。 然后将汇款信息转发给在线银行账单支付网站的运营商，以转发给便携式消费者设备的用户。 此外，汇款信息被发送给收单方或现金管理银行，该银行可将信息转发给与账单支付请求相关联的账单。

公开(公告)号：US20060080243A1

公开(公告)日：2006-04-13

申请号：US11217691

申请日：2005-08-31

申请人： Lynn Kemper ,  Barbara Patterson ,  Kimberly Lawrence

发明人： Lynn Kemper ,  Barbara Patterson ,  Kimberly Lawrence

IPC分类号： G06Q40/00

CPC分类号： G06Q30/04 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/00

摘要： Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.

摘要翻译： 提供了处理在线银行账单支付请求的技术。 从在线银行账单支付网站的运营商接收到账单支付请求。 经营者可能是银行。 该请求是使用便携式消费者设备支付帐单。 然后为发行者生成交易请求，并将其发送给发行方进行授权。 然后，发行方发送一个响应，指示交易请求是否被批准或拒绝。 如果交易被批准，则会生成一个汇款人的汇款信息。 然后将汇款信息转发给在线银行账单支付网站的运营商，以转发给便携式消费者设备的用户。 此外，汇款信息被发送给收单方或现金管理银行，该银行可将信息转发给与账单支付请求相关联的账单。

公开(公告)号：US08290865B2

公开(公告)日：2012-10-16

申请号：US12577609

申请日：2009-10-12

申请人： Kimberly Lawrence ,  Barbara Patterson

发明人： Kimberly Lawrence ,  Barbara Patterson

IPC分类号： G06Q40/00

CPC分类号： G06Q20/325 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/14 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/341 ,  G06Q30/04 ,  G06Q40/00

摘要： Systems and methods for processing bill payments. A consumer may send a bill payment request online to a payment processing network, such as through an online bill payment interface. The payment processing network can coordinate with a non-bank acquirer to settle the bill payment with the biller. The liability for the transaction may fall on the issuer, who may be responsible for all parties fulfilling the transaction. The non-bank acquirer may coordinate among the various parties, but may not have liability for fulfillment of the transaction. The non-bank acquirer can deposit funds for the bill payment in a biller bank, and accounts receivable data can be sent to the biller for reconciliation of the bill.

摘要翻译： 处理账单支付的系统和方法。 消费者可以通过在线账单支付界面将支付请求在线发送到支付处理网络。 支付处理网络可以与非银行收单方进行协调，以与账单结算账单支付。 交易的责任可能落在发行人身上，发行人可能对履行交易的所有各方负责。 非银行收购方可以协调各方之间的交易，但对履行交易可能无责任。 非银行收单方可以在账单银行存入账单，可以将账单中的应收账款数据发送给账单。

公开(公告)号：US20100205078A1

公开(公告)日：2010-08-12

申请号：US12577609

申请日：2009-10-12

申请人： Kimberly Lawrence ,  Barbara Patterson

发明人： Kimberly Lawrence ,  Barbara Patterson

IPC分类号： G06Q20/00 ,  G06Q30/00 ,  G06Q40/00 ,  G06F17/30 ,  G06F15/16

CPC分类号： G06Q20/325 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/14 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/341 ,  G06Q30/04 ,  G06Q40/00

摘要： Systems and methods for processing bill payments. A consumer may send a bill payment request online to a payment processing network, such as through an online bill payment interface. The payment processing network can coordinate with a non-bank acquirer to settle the bill payment with the biller. The liability for the transaction may fall on the issuer, who may be responsible for all parties fulfilling the transaction. The non-bank acquirer may coordinate among the various parties, but may not have liability for fulfillment of the transaction. The non-bank acquirer can deposit funds for the bill payment in a biller bank, and accounts receivable data can be sent to the biller for reconciliation of the bill.

摘要翻译： 处理账单支付的系统和方法。 消费者可以通过在线账单支付界面将支付请求在线发送到支付处理网络。 支付处理网络可以与非银行收单方进行协调，以与账单结算账单支付。 交易的责任可能落在发行人身上，发行人可能对履行交易的所有各方负责。 非银行收购方可以协调各方之间的交易，但对履行交易可能无责任。 非银行收单方可以在账单银行存入账单，可以将账单中的应收账款数据发送给账单。

公开(公告)号：US20130253956A1

公开(公告)日：2013-09-26

申请号：US13623821

申请日：2012-09-20

申请人： Robert Lyne Towne ,  Nancy Hilgers ,  Barbara Patterson

发明人： Robert Lyne Towne ,  Nancy Hilgers ,  Barbara Patterson

IPC分类号： G06Q40/08

CPC分类号： G06Q40/08

摘要： Embodiments of the invention are directed to a chargeback insurance program offered through a payment processing network. The payment processing network is capable of processing chargeback requests on behalf of an enrolled merchant or enrolled issuer without requiring additional chargeback-related processes to be conducted by the merchant or issue. Chargebacks are processed by the payment processing network based on enrollment settings in the chargeback insurance program.

摘要翻译： 本发明的实施例涉及通过支付处理网络提供的退款保险计划。 支付处理网络能够代表注册商家或注册发行商处理拒付请求，而不需要由商家或问题进行额外的退款相关流程。 退款由付款处理网络根据退款保险计划中的注册设置进行处理。

公开(公告)号：US08095464B2

公开(公告)日：2012-01-10

申请号：US12778841

申请日：2010-05-12

申请人： Barbara Patterson ,  Donald L. Rowberry

发明人： Barbara Patterson ,  Donald L. Rowberry

IPC分类号： G06Q40/00

CPC分类号： G06Q20/3223 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/26 ,  G06Q20/40 ,  G06Q20/405 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/12 ,  H04L63/102

摘要： Techniques for processing of recurring payments are provided that allow a consumer to decide whether to update consumer account information at a merchant when a consumer is issued new account information for a payment card or the like. For example, a consumer may register with a payment processing network associated with the consumer's payment card. During registration, the consumer may indicate the payment card number and expiration date, the name of merchants that the consumer pays on a recurring basis using the payment card and the corresponding merchant website addresses, in what form the consumer would like to receive alerts (e.g. text message, email), and when to receive alerts (e.g. a particular number of days prior to the expiration date). The payment processing network sends the consumer an alert message based on the preferences indicated during registration, including the names and website links for each merchant indicated during registration. The consumer can use the alert message to access the merchant websites and update the account information for a new payment card.

摘要翻译： 提供了用于处理经常性付款的技术，其允许消费者在消费者发行支付卡等的新帐户信息时决定是否在商家更新消费者帐户信息。 例如，消费者可以向与消费者的支付卡相关联的支付处理网络注册。 在注册期间，消费者可以以消费者想要接收警报的形式（例如，使用支付卡和相应的商家网站地址）来指示支付卡号码和到期日期，消费者以循环的方式支付的商家名称（例如， 短信，电子邮件）以及什么时候收到警报（例如到期日之前的特定天数）。 支付处理网络基于在注册期间指示的偏好来向消费者发送警报消息，包括在注册期间指示的每个商家的名称和网站链接。 消费者可以使用警报消息访问商家网站并更新新的支付卡的帐户信息。

公开(公告)号：US20100299253A1

公开(公告)日：2010-11-25

申请号：US12608215

申请日：2009-10-29

申请人： Barbara Patterson

发明人： Barbara Patterson

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q30/04 ,  G06Q10/06 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/227 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02

摘要： Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.

摘要翻译： 提供了用于处理经常性付款的技术，当消费者被发布用于支付卡等的新帐号时，不要求商家更新消费者帐户信息。 例如，当消费者由发行人发行新的帐号时，新的帐号可以被提供给支付处理网络。 支付处理网络中的服务器计算机然后识别与用户的旧帐号相关联的任何定期付款，并向消费者提供消费者已经建立了与旧帐号相关联的经常性支付的商家列表。 然后，消费者有机会选择那些消费者希望使用新帐号继续经常性付款的商家。 然后，支付处理网络在由消费者指定的商家的旧帐号和新帐号之间建立映射，并且继续使用旧的帐户信息来处理从指定的商家收到的定期付款授权请求。 因此，商家不需要对商家维护的消费者帐户信息进行更新，并且向消费者提供容易地选择哪些商家可以使用旧帐号继续处理定期付款的能力。

公开(公告)号：US20090070171A1

公开(公告)日：2009-03-12

申请号：US12205112

申请日：2008-09-05

申请人： Barbara Patterson

发明人： Barbara Patterson

IPC分类号： G06Q50/00 ,  G06Q40/00

CPC分类号： G06Q20/401 ,  G06Q20/108 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00

摘要： A system and method for processing transactions. A unique transaction identifier is generated for each transaction. Processing of the transaction utilizes the unique transaction identifier.

摘要翻译： 一种用于处理交易的系统和方法。 为每个事务生成唯一的事务标识符。 交易的处理利用唯一的交易标识符。