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公开(公告)号：US20130218769A1
公开(公告)日：2013-08-22
申请号：US13593238
申请日：2012-08-23
IPC分类号： G06Q20/10
CPC分类号： G06Q20/10 , G06Q20/325
摘要： Systems and methods for mobile funding are provided. One such method comprises receiving a transaction request to transfer funds from a payor to a payee. The transaction request can include a payor device identifier, a payee device identifier and an amount. A payor account identifier associated with the payor device identifier, and a payee account identifier associated with the payee device identifier can each be determined. Additionally, a first service provider associated with the payor device can be determined based on the payor device identifier, and a second service provider associated with the payee device can be determined based on the payee device identifier. The transfer of funds from the first service provider to the second service provider can then be initiated using the payor account identifier and the payee account identifier. At least one of the first and second service providers is a mobile network operator.
摘要翻译： 提供移动资金的系统和方法。 一种这样的方法包括接收交易请求以将资金从付款人转移到收款人。 交易请求可以包括付款人设备标识符，收款人设备标识符和金额。 可以分别确定与付款方设备标识符相关联的付款人帐户标识符和与收款人设备标识符相关联的收款人帐户标识符。 此外，可以基于付款人设备标识符来确定与支付者设备相关联的第一服务提供商，并且可以基于收款人设备标识符来确定与收款人设备相关联的第二服务提供商。 然后可以使用付款人帐户标识符和收款人帐户标识符来启动资金从第一服务提供商转移到第二服务提供商。 第一和第二服务提供商中的至少一个是移动网络运营商。
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公开(公告)号：US20150373762A1
公开(公告)日：2015-12-24
申请号：US14746470
申请日：2015-06-22
CPC分类号： H04W76/14 , H04L67/12 , H04W12/02 , H04W12/06 , H04W48/16 , H04W76/11 , H04W84/18 , H04W88/12
摘要： Techniques for conducting a transaction in a midrange wireless communication system are described. The techniques may include detecting a beacon transmission from a midrange wireless base station, determining that the beacon transmission includes a transaction service identifier, and invoking a transaction application associated with the transaction service identifier. The techniques may also include receiving transaction information for a transaction associated with a transaction identifier mapped to the device identifier; and sending a transaction cryptogram from the transaction application to the midrange wireless base station to conduct the transaction.
摘要翻译： 描述了在中端无线通信系统中进行交易的技术。 这些技术可以包括检测来自中端无线基站的信标传输，确定信标传输包括事务服务标识符，以及调用与事务服务标识符相关联的事务应用。 这些技术还可以包括接收与映射到设备标识符的事务标识符相关联的事务的事务信息; 并将交易密码从交易应用发送到中端无线基站进行交易。
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公开(公告)号：US20140344153A1
公开(公告)日：2014-11-20
申请号：US14279186
申请日：2014-05-15
申请人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
发明人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
CPC分类号： G06Q20/3821 , G06Q20/027 , G06Q20/3223 , G06Q20/385
摘要： Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.
摘要翻译： 本发明的实施例涉及用于使用可以为各种上下文中的各种实体提供标记化的公共标记化能力（CTC）模块来实现移动标记集线器的系统和方法。 例如，CTC模块可以提供和存储用于移动支付交易，过境交易，数字钱包应用，商业销售点（POS）应用，个性化服务等的令牌。
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公开(公告)号：US20130226799A1
公开(公告)日：2013-08-29
申请号：US13593245
申请日：2012-08-23
IPC分类号： G06Q20/38
CPC分类号： G06Q20/3821 , G06Q20/1085 , G06Q20/18 , G06Q20/3223 , G06Q20/388 , G06Q20/401 , G06Q20/40975 , G06Q20/42 , G06Q40/02 , G07C9/00 , G07F19/00 , H04L63/0838 , H04L63/0853 , H04L63/18
摘要： Embodiments of the invention are directed towards improved transaction processing methods and systems with transaction apparatuses, including a value transfer machine, using a device identifier instead of a value transfer machine card to process a transaction. One embodiment of the transaction may be directed to a transaction apparatus and a method including receiving an authentication code from a consumer, sending the authentication code to a first server computer, wherein if the received authentication code matches a generated authentication code, the first server sends a confirmation message. The method continues by receiving the confirmation message from the first server, receiving a secret token from the consumer, and sending an authorization request message to a second server computer. Thereafter, the transaction apparatus receives an authorization response message from the second server, indicating whether the secret token matches an expected token. Other embodiments are directed to first and second servers and corresponding methods.
摘要翻译： 本发明的实施例涉及具有交易设备的改进的交易处理方法和系统，包括价值转移机器，其使用设备标识符而不是价值转移机器卡来处理交易。 交易的一个实施例可以涉及交易装置和方法，包括从消费者接收认证码，将认证码发送到第一服务器计算机，其中如果所接收的认证码与生成的认证码匹配，则第一服务器发送 确认消息。 该方法通过从第一服务器接收确认消息，从消费者接收秘密令牌并向第二服务器计算机发送授权请求消息来继续。 此后，交易装置从第二服务器接收授权响应消息，指示秘密令牌是否匹配预期令牌。 其他实施例针对第一和第二服务器及相应的方法。
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公开(公告)号：US08336088B2
公开(公告)日：2012-12-18
申请号：US13034449
申请日：2011-02-24
IPC分类号： G06F7/04
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。
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公开(公告)号：US20110191247A1
公开(公告)日：2011-08-04
申请号：US13014584
申请日：2011-01-26
CPC分类号： G06Q20/4014 , G06Q20/10 , G06Q20/382 , G06Q20/40 , G06Q30/018
摘要： Systems and methods for authenticating parties involved in a transaction are disclosed. Some embodiments of the disclosure are directed to systems and methods for authenticating various identification attributes of a participant in a transaction. The attributes can include items such as the participant's name, address, social security number, date of birth, or any other identifying attributes. In some embodiments, all participants in a transaction may have identification information authenticated. The 3-D Secure protocol and framework is extended and enhanced to provide the ability to authenticate the identification details of participants in transactions.
摘要翻译： 披露了涉及交易的认证方的系统和方法。 本公开的一些实施例涉及用于认证交易中的参与者的各种识别属性的系统和方法。 属性可以包括参与者的姓名，地址，社会安全号码，出生日期或任何其他标识属性的项目。 在一些实施例中，交易中的所有参与者可以具有认证的识别信息。 扩展和增强了3-D安全协议和框架，以提供验证交易参与者身份识别细节的能力。
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公开(公告)号：US09978062B2
公开(公告)日：2018-05-22
申请号：US14279186
申请日：2014-05-15
申请人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
发明人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
CPC分类号： G06Q20/3821 , G06Q20/027 , G06Q20/3223 , G06Q20/385
摘要： Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.
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公开(公告)号：US20170330185A1
公开(公告)日：2017-11-16
申请号：US15664597
申请日：2017-07-31
CPC分类号： G06Q20/405 , G06Q20/3224 , G06Q20/385 , G06Q20/40
摘要： Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.
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公开(公告)号：US20130297501A1
公开(公告)日：2013-11-07
申请号：US13888181
申请日：2013-05-06
IPC分类号： G06Q20/40
CPC分类号： G06Q20/405 , G06Q20/3224 , G06Q20/385 , G06Q20/40
摘要： Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.
摘要翻译： 本发明的实施例涉及用于使用受限信息的转换或过滤处理事务的方法，装置，计算机可读介质和系统。 本发明的一个实施例涉及一种方法，包括在位于限制区域外的服务器计算机处接收包括无限制帐户别名的交易请求消息，其中所述无限制帐户别名先前从受限制的帐户标识符转换为所述无限制帐户 位于限制区域的服务器计算机的别名。 位于受限区域之外的服务器计算机可以确定与无限制帐户别名相关联的帐户并处理交易请求消息。 类似的方法可以应用于结算文件，包括转换为受限帐户标识符的无限制帐户别名。 其他实施例涉及从服务请求或其他事务过滤受限信息。
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公开(公告)号：US20130179335A1
公开(公告)日：2013-07-11
申请号：US13681220
申请日：2012-11-19
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。
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