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公开(公告)号：US20130073462A1
公开(公告)日：2013-03-21
申请号：US13235992
申请日：2011-09-19
CPC分类号： G06Q20/3223 , G06Q20/385 , G06Q20/405 , G06Q40/02
摘要： In an exemplary embodiment, a method includes receiving, from a mobile device, a payment transaction between a customer and a merchant. A customer account identifier and a merchant account identifier of the payment transaction may be determined. The method further includes communicating the customer account identifier to an enterprise to determine whether the customer account identifier corresponds to a customer account associated with the enterprise. If the customer account identifier and the merchant account identifier each correspond to a respective account associated with the enterprise, an indication that the enterprise initiates the processing of the payment transaction is received, and a notification that the payment transaction was processed is sent. If the customer account identifier and the merchant account identifier do not each correspond to a respective account associated with the enterprise, a notification that the payment transaction was not processed is sent.
摘要翻译： 在示例性实施例中，一种方法包括从移动设备接收客户和商家之间的支付交易。 可以确定支付交易的客户帐户标识符和商家帐户标识符。 该方法还包括将客户帐户标识符传达给企业以确定客户帐户标识符是否对应于与企业相关联的客户帐户。 如果客户帐户标识符和商家帐户标识符各自对应于与企业相关联的相应帐户，则接收到企业发起支付交易处理的指示，并且发送支付交易被处理的通知。 如果客户帐户标识符和商家帐户标识符不都对应于与企业相关联的相应帐户，则发送没有处理支付交易的通知。
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2.发明申请Processing a Payment Transaction Involving a Merchant Account and a Customer Account Associated with the Same Enterprise 审中-公开处理涉及同一企业的商户帐户和客户帐户的付款交易公开(公告)号：US20130073461A1
公开(公告)日：2013-03-21
申请号：US13235823
申请日：2011-09-19
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/401
摘要： In an exemplary embodiment, a method includes receiving a payment transaction comprising a customer account identifier and a merchant account identifier. A processor may determine whether the customer account identifier and merchant account identifier correspond to respective accounts associated with the enterprise. If the account identifiers each correspond to a respective account associated with the enterprise, the processing of the payment transaction is initiated at the enterprise and a notification that the enterprise initiates the processing of the payment transaction is sent. If the account identifiers do not each correspond to a respective account associated with the enterprise, a notification that the payment transaction was not processed may be sent.
摘要翻译： 在示例性实施例中，一种方法包括接收包括客户帐户标识符和商家帐户标识符的支付交易。 处理器可以确定客户帐户标识符和商家帐户标识符是否对应于与企业相关联的相应帐户。 如果帐号标识符对应于与企业相关联的相应帐户，则在企业发起支付交易的处理，并发送企业启动支付交易处理的通知。 如果帐户标识符不都对应于与企业相关联的相应帐户，则可以发送不处理支付交易的通知。
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公开(公告)号：US20130103583A1
公开(公告)日：2013-04-25
申请号：US13280533
申请日：2011-10-25
IPC分类号： G06Q20/40
CPC分类号： G06Q20/36
摘要： According to one embodiment, an apparatus may include a memory and a processor. The memory may be operable to store a cash account associated with a cash value and a user. The processor may be operable to receive a request from the user to pay an amount from the cash account. The processor may determine, in response to the request, whether the amount exceeds the cash value associated with the cash account. The processor may then decrease the cash value associated with the cash account by the amount if the amount does not exceed the cash value of the cash account. The processor may then send a notification that includes the decreased cash value associated with the cash account. The apparatus may be associated with an enterprise and the enterprise may exclusively process the request.
摘要翻译： 根据一个实施例，装置可以包括存储器和处理器。 存储器可以可操作地存储与现金价值和用户相关联的现金账户。 处理器可操作以接收来自用户的请求以从现金账户支付金额。 处理器可以响应于该请求确定该金额是否超过与该现金账户相关联的现金值。 然后，如果金额不超过现金账户的现金值，则处理器可以将与现金账户相关联的现金值减少该金额。 然后，处理器可以发送包括与现金账户相关联的减少的现金值的通知。 该设备可以与企业相关联，并且企业可以专门处理该请求。
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公开(公告)号：US20130068836A1
公开(公告)日：2013-03-21
申请号：US13235861
申请日：2011-09-19
IPC分类号： G06K5/00
CPC分类号： G06Q20/40 , G06Q20/3278
摘要： A system for authorizing a financial transaction includes a processor operable to execute an application on a wireless communications device, communicate wirelessly with a data stripe through a security enabled wireless communications protocol, receive a request to authorize a financial transaction involving a financial account associated with account data, access authorization criteria for determining whether to authorize the financial transaction, apply the authorization criteria to the financial transaction, generate an authorization code based on the application of the authorization criteria to the financial transaction, and communicate the authorization code.
摘要翻译： 用于授权金融交易的系统包括可操作以在无线通信设备上执行应用的处理器，通过启用安全性的无线通信协议与数据条带无线通信，接收授权涉及与帐户相关联的金融账户的金融交易的请求 数据，用于确定是否授权金融交易的访问授权标准，将授权标准应用于金融交易，根据金融交易的授权标准的应用生成授权码，并传达授权码。
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公开(公告)号：US20130068835A1
公开(公告)日：2013-03-21
申请号：US13235811
申请日：2011-09-19
IPC分类号： G06K5/00
CPC分类号： G06Q20/32 , G06Q20/347 , G06Q20/353 , G06Q20/401
摘要： A system for authorizing a financial transaction includes a processor operable to execute an application on a wireless communications device that is communicatively coupled to a data stripe through a wired connection, receive a request to authorize a financial transaction involving a financial account associated with account data, access authorization criteria for determining whether to authorize the financial transaction, apply the authorization criteria to the financial transaction, generate an authorization code based on the application of the authorization criteria to the financial transaction, and communicate the authorization code.
摘要翻译： 用于授权金融交易的系统包括处理器，其可操作以在通过有线连接通信地耦合到数据条带的无线通信设备上执行应用，接收授权涉及与帐户数据相关联的金融账户的金融交易的请求， 访问用于确定是否授权金融交易的授权标准，将授权标准应用于金融交易，根据授权标准的应用向金融交易生成授权代码，并传达授权码。
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公开(公告)号：US09105020B2
公开(公告)日：2015-08-11
申请号：US13200439
申请日：2011-09-23
CPC分类号： G06Q20/20 , G06Q20/3278
摘要： According to some embodiments, a transaction processing system for evaluating transactions between a customer and a merchant comprises a transaction tracker, an account selection engine, and a performance module. The transaction tracker is operable to identify a transaction executed by a customer using a transaction device, the transaction device being operable to execute a transaction with a point of sale receiver associated with the merchant by providing an account number for a first account of the plurality of accounts. The account selection engine is operable to receive information identifying at least one characteristic of the transaction and select a recommended account based on the at least one characteristic. The performance module is operable to compare the first account with the recommended account to determine whether the customer would have received a financial benefit by executing the transaction using the recommended account instead of the first account.
摘要翻译： 根据一些实施例，用于评估客户和商家之间的交易的交易处理系统包括交易跟踪器，账户选择引擎和表现模块。 交易跟踪器可操作以识别客户使用交易设备执行的交易，所述交易设备可操作以通过为所述多个客户的第一帐户提供帐号来执行与所述商家相关联的销售点接收者的交易 帐户。 账户选择引擎可操作以接收识别交易的至少一个特征的信息，并且基于该至少一个特征选择推荐账户。 绩效模块可操作以将第一帐户与推荐帐户进行比较，以确定客户是否将通过使用推荐帐户而不是第一个帐户执行交易来获得经济利益。
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公开(公告)号：US20130080271A1
公开(公告)日：2013-03-28
申请号：US13200439
申请日：2011-09-23
IPC分类号： G06Q20/20
CPC分类号： G06Q20/20 , G06Q20/3278
摘要： According to some embodiments, a transaction processing system for evaluating transactions between a customer and a merchant comprises a transaction tracker, an account selection engine, and a performance module. The transaction tracker is operable to identify a transaction executed by a customer using a transaction device, the transaction device being operable to execute a transaction with a point of sale receiver associated with the merchant by providing an account number for a first account of the plurality of accounts. The account selection engine is operable to receive information identifying at least one characteristic of the transaction and select a recommended account based on the at least one characteristic. The performance module is operable to compare the first account with the recommended account to determine whether the customer would have received a financial benefit by executing the transaction using the recommended account instead of the first account.
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公开(公告)号：US08616444B2
公开(公告)日：2013-12-31
申请号：US13235811
申请日：2011-09-19
IPC分类号： G06K5/00
CPC分类号： G06Q20/32 , G06Q20/347 , G06Q20/353 , G06Q20/401
摘要： A system for authorizing a financial transaction includes a processor operable to execute an application on a wireless communications device that is communicatively coupled to a data stripe through a wired connection, receive a request to authorize a financial transaction involving a financial account associated with account data, access authorization criteria for determining whether to authorize the financial transaction, apply the authorization criteria to the financial transaction, generate an authorization code based on the application of the authorization criteria to the financial transaction, and communicate the authorization code.
摘要翻译： 用于授权金融交易的系统包括处理器，其可操作以在通过有线连接通信地耦合到数据条带的无线通信设备上执行应用，接收授权涉及与帐户数据相关联的金融账户的金融交易的请求， 访问用于确定是否授权金融交易的授权标准，将授权标准应用于金融交易，根据授权标准的应用向金融交易生成授权代码，并传达授权码。
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公开(公告)号：US08430308B2
公开(公告)日：2013-04-30
申请号：US13235861
申请日：2011-09-19
IPC分类号： G06K5/00
CPC分类号： G06Q20/40 , G06Q20/3278
摘要： A system for authorizing a financial transaction includes a processor operable to execute an application on a wireless communications device, communicate wirelessly with a data stripe through a security enabled wireless communications protocol, receive a request to authorize a financial transaction involving a financial account associated with account data, access authorization criteria for determining whether to authorize the financial transaction, apply the authorization criteria to the financial transaction, generate an authorization code based on the application of the authorization criteria to the financial transaction, and communicate the authorization code.
摘要翻译： 用于授权金融交易的系统包括可操作以在无线通信设备上执行应用的处理器，通过启用安全性的无线通信协议与数据条带无线通信，接收授权涉及与帐户相关联的金融账户的金融交易的请求 数据，用于确定是否授权金融交易的访问授权标准，将授权标准应用于金融交易，根据金融交易的授权标准的应用生成授权码，并传达授权码。
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公开(公告)号：US20130080272A1
公开(公告)日：2013-03-28
申请号：US13200482
申请日：2011-09-23
CPC分类号： G06Q20/20 , G06Q20/227 , G06Q20/3223 , G06Q20/385 , G06Q30/06
摘要： According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises a transaction module and a point of sale interface. The transaction module is operable to receive, from the customer, a selection of a first account from among a plurality of accounts, wherein the selection of the first account is received from the customer when the customer is located at a facility associated with the merchant. The transaction module also obtains an account number associated with the first account, each account of the plurality of accounts being associated with an account number. The point of sale interface is operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising the account number associated with the first account.
摘要翻译： 根据一些实施例，用于在客户和商家之间执行交易的交易设备包括交易模块和销售点界面。 交易模块可操作以从客户接收多个帐户中的第一帐户的选择，其中当客户位于与商家相关联的设施时，从客户接收到第一帐户的选择。 交易模块还获得与第一帐户相关联的帐号，多个帐户的每个帐户与帐号相关联。 销售点界面可操作地将交易请求传送到与商家相关联的销售点接收者，该交易请求包括与第一帐户相关联的帐号。
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