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公开(公告)号：US09978059B2
公开(公告)日：2018-05-22
申请号：US14714684
申请日：2015-05-18
发明人： Jeffrey Langus , Venu Appana , Rajen S. Prabhu
IPC分类号： G06Q20/36 , G06Q20/28 , G06Q20/40 , G06Q20/00 , G06Q10/00 , G06Q40/00 , G06Q30/00 , G06Q20/18 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/42
CPC分类号： G06Q20/36 , G06Q10/00 , G06Q20/00 , G06Q20/18 , G06Q20/20 , G06Q20/28 , G06Q20/3223 , G06Q20/3255 , G06Q20/34 , G06Q20/346 , G06Q20/3674 , G06Q20/4018 , G06Q20/409 , G06Q20/425 , G06Q30/00 , G06Q40/00
摘要： Methods and systems for a mobile companion prepaid card purchase transaction. In an embodiment, a process includes a wallet provider computer receiving, via an application program interface (API) Web request from an issuer financial institution (FI) processor, mobile companion prepaid card data and purchase transaction data and then verifying the availability of funds in a mobile wallet prepaid card account. The process also includes authorizing the purchase transaction based on the verification, debiting an open to buy amount of the mobile companion prepaid card account, and then transmitting a purchase transaction authorization response to the issuer FI processor.
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公开(公告)号：US20140244496A1
公开(公告)日：2014-08-28
申请号：US14186283
申请日：2014-02-21
发明人： Jeffrey Langus , Venu Appana , Rajen S. Prabhu
CPC分类号： G06Q20/36 , G06Q10/00 , G06Q20/00 , G06Q20/18 , G06Q20/20 , G06Q20/28 , G06Q20/3223 , G06Q20/3255 , G06Q20/34 , G06Q20/346 , G06Q20/3674 , G06Q20/4018 , G06Q20/409 , G06Q20/425 , G06Q30/00 , G06Q40/00
摘要： Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer. The process includes the wallet provider computer determining an issuer financial institution (FI) associated with the mobile companion prepaid card, transmitting the approval request to an issuer FI processor, receiving an approval message, and transmitting the approval message and a request to a consumer's mobile device to provide cardholder verification met hod (CVM) data. The method also includes receiving and validating the CVM data, transmitting a mobile companion prepaid card activation request, receiving a confirmation message indicating activation, and transmitting a message confirming activation of the mobile companion prepaid card to the consumer's mobile device.
摘要翻译： 用于向具有移动钱包帐户的消费者提供非个性化和非压花移动伴侣预付卡的系统，装置和方法。 一个实施例包括钱包提供者计算机从代理设备接收用于消费者的移动伴侣预付费卡的批准请求。 该过程包括钱包提供商计算机确定与移动伴侣预付卡相关联的发行者金融机构（FI），向发行方FI处理器发送批准请求，接收批准消息，以及向消费者的移动 设备提供持卡人验证验证（CVM）数据。 该方法还包括接收和验证CVM数据，发送移动伴侣预付卡激活请求，接收指示激活的确认消息，以及向消费者的移动设备发送确认移动伴侣预付费卡的激活的消息。
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公开(公告)号：US20150248670A1
公开(公告)日：2015-09-03
申请号：US14714684
申请日：2015-05-18
发明人： Jeffrey Langus , Venu Appana , Rajen S. Prabhu
CPC分类号： G06Q20/36 , G06Q10/00 , G06Q20/00 , G06Q20/18 , G06Q20/20 , G06Q20/28 , G06Q20/3223 , G06Q20/3255 , G06Q20/34 , G06Q20/346 , G06Q20/3674 , G06Q20/4018 , G06Q20/409 , G06Q20/425 , G06Q30/00 , G06Q40/00
摘要： Methods and systems for a mobile companion prepaid card purchase transaction. In an embodiment, a process includes a wallet provider computer receiving, via an application program interface (API) Web request from an issuer financial institution (FI) processor, mobile companion prepaid card data and purchase transaction data and then verifying the availability of funds in a mobile wallet prepaid card account. The process also includes authorizing the purchase transaction based on the verification, debiting an open to buy amount of the mobile companion prepaid card account, and then transmitting a purchase transaction authorization response to the issuer FI processor.
摘要翻译： 手机伴侣预付卡购买交易的方法和系统。 在一个实施例中，过程包括钱包提供者计算机，经由来自发行者金融机构（FI）处理器的应用程序接口（API）Web请求，移动伴侣预付卡数据和购买交易数据，然后验证资金的可用性 手机钱包预付卡账户。 该过程还包括基于验证授权购买交易，扣除移动伴随预付卡帐户的公开购买金额，然后向发行商FI处理器发送购买交易授权响应。
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公开(公告)号：US09043240B2
公开(公告)日：2015-05-26
申请号：US14186283
申请日：2014-02-21
发明人： Jeffrey Langus , Venu Appana , Rajen S. Prabhu
IPC分类号： G06Q40/00 , G06Q20/36 , G06Q20/28 , G06Q20/40 , G06Q20/18 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/42
CPC分类号： G06Q20/36 , G06Q10/00 , G06Q20/00 , G06Q20/18 , G06Q20/20 , G06Q20/28 , G06Q20/3223 , G06Q20/3255 , G06Q20/34 , G06Q20/346 , G06Q20/3674 , G06Q20/4018 , G06Q20/409 , G06Q20/425 , G06Q30/00 , G06Q40/00
摘要： Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer. The process includes the wallet provider computer determining an issuer financial institution (FI) associated with the mobile companion prepaid card, transmitting the approval request to an issuer FI processor, receiving an approval message, and transmitting the approval message and a request to a consumer's mobile device to provide cardholder verification met hod (CVM) data. The method also includes receiving and validating the CVM data, transmitting a mobile companion prepaid card activation request, receiving a confirmation message indicating activation, and transmitting a message confirming activation of the mobile companion prepaid card to the consumer's mobile device.
摘要翻译： 用于向具有移动钱包帐户的消费者提供非个性化和非压花移动伴侣预付卡的系统，装置和方法。 一个实施例包括钱包提供者计算机从代理设备接收用于消费者的移动伴侣预付费卡的批准请求。 该过程包括钱包提供商计算机确定与移动伴侣预付卡相关联的发行者金融机构（FI），向发行方FI处理器发送批准请求，接收批准消息，以及向消费者的移动 设备提供持卡人验证验证（CVM）数据。 该方法还包括接收和验证CVM数据，发送移动伴侣预付卡激活请求，接收指示激活的确认消息，以及向消费者的移动设备发送确认移动伴侣预付费卡的激活的消息。
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