公开(公告)号：WO2008089090A2

公开(公告)日：2008-07-24

申请号：PCT/US2008050902

申请日：2008-01-11

Applicant: WESTERN UNION CO ,  KEANE TIM ,  SEIFERT DEAN ,  GRAHMANN JONATHAN

Inventor： KEANE TIM ,  SEIFERT DEAN ,  GRAHMANN JONATHAN

CPC classification number: G06Q20/40145 ,  G06F21/32 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/348 ,  G06Q20/4014 ,  G06Q20/403 ,  G06Q30/04

Abstract: A system for generating transaction settlement identifiers includes an arrangement configured to receive a biometric sample from a customer and an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements. A mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer also may be included.

Abstract translation: 用于生成交易结算标识符的系统包括被配置为从客户接收生物特征样本的配置以及配置为使用生物特征样本从预定交易结算池中选择交易结算标识符的配置。 也可以包括被配置为将所选择的金融交易结算标识符映射到客户的标识符的映射装置。

公开(公告)号：WO2007095002A3

公开(公告)日：2008-04-17

申请号：PCT/US2007003115

申请日：2007-02-06

Applicant: WESTERN UNION CO ,  JERONIMUS MICHAEL ,  ALGIENE KEN ,  PAINTIN SCOTT R

Inventor： JERONIMUS MICHAEL ,  ALGIENE KEN ,  PAINTIN SCOTT R

IPC: G06Q40/00 ,  H04K1/00

CPC classification number: G06Q20/40145 ,  G06K9/00 ,  G06Q20/10 ,  G06Q20/40

Abstract: A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.

Abstract translation: 一种汇款授权方法，其包括向转让方验证处理器提供转账者生物特征信息的步骤，该方验证处理器通过将转让方生物特征信息与来自转让方的先前注册的生物特征信息进行比较，其中转让方提供转移身份信息以接收 钱。 该方法还包括确认经验证的转让方是否有足够的资金或信用转移资金，并通过将受让人生物识别信息与受让人之前注册的生物特征信息进行比较，向通过验证受让人的方验证处理者提供受让人生物识别。 受让人必须在向受让人提供资金之前提供转移身份信息。

公开(公告)号：WO2007103932A3

公开(公告)日：2007-11-01

申请号：PCT/US2007063405

申请日：2007-03-06

Applicant: WESTERN UNION CO ,  FIRST DATA CORP ,  PAINTIN SCOTT R ,  SCOTT RIELEY K ,  HAFER MICHAEL J ,  JOST PAUL

Inventor： PAINTIN SCOTT R ,  SCOTT RIELEY K ,  HAFER MICHAEL J ,  JOST PAUL

IPC: G06Q30/00

CPC classification number: G06Q30/02 ,  G06Q30/0208 ,  G06Q30/0212 ,  G06Q30/0221 ,  G06Q30/0235

Abstract: A method for providing a coupon code to a recipient via a network includes storing a coupon code on a tangible storage medium of a host computer, receiving a request for the coupon code from the recipient, and providing the recipient with the coupon code via the network in response to the request. The coupon code is transmitted along the network between the host computer and the recipient as an analog or digital audio signal.

Abstract translation: 一种用于经由网络向接收者提供优惠券代码的方法包括：将优惠券代码存储在主计算机的有形存储介质上;从接收者接收对优惠券代码的请求;以及经由网络向接收者提供优惠券代码 回应请求。 优惠券代码作为模拟或数字音频信号沿主机和接收方之间的网络传输。

公开(公告)号：WO2008089091A2

公开(公告)日：2008-07-24

申请号：PCT/US2008050903

申请日：2008-01-11

Applicant: WESTERN UNION CO ,  KEANE TIM ,  SEIFERT DEAN ,  GRAHMANN JONATHAN

Inventor： KEANE TIM ,  SEIFERT DEAN ,  GRAHMANN JONATHAN

IPC: G06Q40/00

CPC classification number: G06Q20/12 ,  G06Q20/02 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/3821 ,  G06Q20/40145

Abstract: A method for transferring funds from a sender to a recipient includes receiving a request to transfer the funds from a sender; creating a transaction record having a transaction identifier; providing the transaction identifier to the sender; receiving the transaction identifier from a recipient; obtaining a first biometric sample from the recipient; using the biometric sample to select a MTCN (Money Transfer Control Number) from a pool of predetermined MTCNs; associating the MTCN with the first biometric sample and the transaction record; providing the MTCN to the recipient; thereafter, receiving a request from the recipient to receive the funds; obtaining the MTCN from the recipient; obtaining a second biometric sample from the recipient; using the MTCN and/or the second biometric sample to locate the transaction record; comparing the second biometric sample to the first biometric sample; and determining whether to provide the funds based on the comparison.

Abstract translation: 将资金从发送方转移到接收方的方法包括从发送者接收资金转移请求; 创建具有交易标识符的交易记录; 向发送者提供交易标识符; 从收件人接收交易标识符; 从接收者获取第一生物特征样本; 使用生物特征样本从预定MTCN的池中选择MTCN（汇款控制号码）; 将MTCN与第一生物特征样本和交易记录相关联; 向接收者提供MTCN; 此后接收收件人接收资金的请求; 从接收者获取MTCN; 从接收者获取第二生物特征样本; 使用MTCN和/或第二生物特征样本来定位交易记录; 将第二生物特征样本与第一生物特征样本进行比较; 并根据比较确定是否提供资金。

公开(公告)号：WO2006124343A3

公开(公告)日：2008-12-24

申请号：PCT/US2006017528

申请日：2006-05-05

Applicant: FIRST DATA CORP ,  WESTERN UNION CO ,  HANSEN KURT ,  SAYOR THOMAS B

Inventor： HANSEN KURT ,  SAYOR THOMAS B

IPC: G07F19/00 ,  G06Q40/00

CPC classification number: G06Q20/10 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/12

Abstract: The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair, hi this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.

Abstract translation: 本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。 一种这样的方法包括从供应商位置（360）接收对传输对验证的请求，以及验证传输对与有效传输对记录（362）相关联。 所述方法包括：将所述传送对验证发送到所述供应商位置（368），从所述供应商位置接收与所述传送对相关联的汇款请求（370），以及授权汇款（372）至少一个第一和 与转移对相关联的第二客户，以这种方式，可以使用可以包括销售点设备并且可以是零售商店（例如杂货店，加油站等）的供应商位置 方便两个客户之间的汇款。

公开(公告)号：WO2008016801A3

公开(公告)日：2008-08-28

申请号：PCT/US2007074136

申请日：2007-07-23

Applicant: WESTERN UNION CO ,  FIRST DATA CORP ,  BLAIR PAUL ,  HANSEN KURT ,  MOORE GARY

Inventor： BLAIR PAUL ,  HANSEN KURT ,  MOORE GARY

IPC: G06Q40/00

CPC classification number: G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q30/06 ,  G06Q40/025

Abstract: The present invention relates to systems and methods for staging transactions and facilitating payments by consumers to a lender or merchant to consummate a financial transaction and/or to maintain a financial relationship. In one embodiment, a method for accepting payments from a consumer includes receiving a promise-to-pay record from a lender (210), receiving a payment from the consumer (220), associating the payment with the promise-to-pay record (230), and sending a notice to the lender (240), with the notice having an indicator that the payment has been received.

Abstract translation: 本发明涉及用于分期交易和促进消费者向贷方或商人支付以完成金融交易和/或维持财务关系的系统和方法。 在一个实施例中，用于接受来自消费者的付款的方法包括从贷方（210）接收承诺付款记录，从消费者（220）接收付款，将付款与承诺付款记录相关联 230），并向贷方（240）发送通知，通知具有已收到付款的指示。

公开(公告)号：WO2006124690A3

公开(公告)日：2008-06-26

申请号：PCT/US2006018580

申请日：2006-05-10

Applicant: FIRST DATA CORP ,  WESTERN UNION CO ,  SEIFERT DEAN A ,  SAYOR THOMAS B ,  BAUMGART MARK

Inventor： SEIFERT DEAN A ,  SAYOR THOMAS B ,  BAUMGART MARK

IPC: G06Q40/00

CPC classification number: G06Q20/342 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/02 ,  G07F7/025

Abstract: The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes establishing a money transfer record (310) and receiving, from a vendor location, a money transfer activation request (320) associated with the money transfer record. The method includes receiving a fulfillment request (330) associated with the money transfer record, collecting a customer data set, and authorizing a money transfer (340) associated with the money transfer record. The money transfer is facilitated by the creation of a money transfer record, which may occur prior to the money transfer activation request. The customer then can initiate the money transfer while at the vendor location using, for example, money transfer cards available for purchase from the vendor.

Abstract translation: 本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。 一种这样的方法包括建立汇款记录（310）并且从供应商位置接收与汇款记录相关联的汇款激活请求（320）。 该方法包括接收与汇款记录相关联的履行请求（330），收集客户数据集，以及授权与汇款记录相关联的汇款（340）。 通过创建可能在汇款激活请求之前发生的汇款记录来促进汇款。 然后，客户可以在供应商位置使用例如可从供应商购买的汇款卡来启动汇款。

公开(公告)号：WO2008019216A3

公开(公告)日：2008-08-07

申请号：PCT/US2007073692

申请日：2007-07-17

Applicant: WESTERN UNION CO ,  BLAIR PAUL ,  LIEURANCE REX ,  ROBERTSON DIANE

Inventor： BLAIR PAUL ,  LIEURANCE REX ,  ROBERTSON DIANE

IPC: G06Q40/00

CPC classification number: G06Q20/40145 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/349 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q40/00

Abstract: The present invention generally provides systems and methods for performing money transfer transactions via a wireless communication device, such as a cellular phone, hi accordance with the invention, the wireless communication device is associated with, or automatically linked to, at least one payment source account {i.e., the wireless communication device is associated with a payment source account that may be automatically charged for payment of account balances, authorized charges, and/or money transfers), hi a preferred embodiment, the wireless communication device is associated with at least one pre- paid payment source account, hi one example, the wireless communication device is a pre- paid cellular phone and/or is associated with a pre-paid money transfer account, hi certain aspects, the wireless communication device may access a pre-directed phone number, e.g., *55, to access a money transfer service provider. Once connected to a money transfer service provider, a user may initiate a money transfer via the wireless device, which is optionally paid to a payee in-person at a money transfer service provider location.

Abstract translation: 本发明总体上提供了用于经由诸如蜂窝电话的无线通信设备执行汇款交易的系统和方法。根据本发明，无线通信设备与至少一个支付源帐户相关联或自动链接到至少一个支付源帐户 （即，无线通信设备与支付源帐户相关联，支付源帐户可自动为支付帐户余额，授权费用和/或汇款而收费）。在优选实施例中，无线通信设备与至少一个 在一个示例中，无线通信设备是预付费的蜂窝电话和/或与预付费的汇款帐户相关联。在某些方面，无线通信设备可以访问预定的支付源帐户 电话号码，例如* 55，以访问汇款服务提供商。 一旦连接到汇款服务提供商，用户可以经由无线设备发起汇款，该无线设备可选择地在汇款服务提供商位置亲自付款给收款人。

公开(公告)号：WO2007104059A2

公开(公告)日：2007-09-13

申请号：PCT/US2007063726

申请日：2007-03-09

Applicant: WESTERN UNION CO ,  HANSEN KURT L ,  NELSON WADE ,  SEIFERT DEAN A ,  HANNA ASSAAD G

Inventor： HANSEN KURT L ,  NELSON WADE ,  SEIFERT DEAN A ,  HANNA ASSAAD G

IPC: G06Q20/00 ,  G06Q40/00

CPC classification number: G06Q20/28 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/382 ,  G06Q40/02

Abstract: A payment instrument that may be purchased at a retail location and used for conducting money transfers and other financial transactions. The amount associated with the instrument is stored in an non-banking account maintained by a money transfer entity. In order to activate the instrument after it has been purchased, a customer links the instrument to a personal profile of the customer using a PIN provided with the instrument.

Abstract translation: 可在零售地点购买并用于进行汇款和其他金融交易的支付工具。 与仪器相关的金额存储在由汇款实体维护的非银行账户中。 为了在购买仪器后激活仪器，客户使用仪器提供的PIN将仪器连接到客户的个人资料。

公开(公告)号：WO2006026061A3

公开(公告)日：2007-04-26

申请号：PCT/US2005027779

申请日：2005-08-03

Applicant: FIRST DATA CORP ,  WESTERN UNION CO ,  ELDRED ERIC ,  GEIGER TERRA ,  CRAWFORD ERIK ,  BAUMGARTNER DAVID ,  LARSEN KAREN

Inventor： ELDRED ERIC ,  GEIGER TERRA ,  CRAWFORD ERIK ,  BAUMGARTNER DAVID ,  LARSEN KAREN

IPC: G06Q30/00

CPC classification number: G06Q20/20 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/0235 ,  G06Q30/0236 ,  G06Q30/0238

Abstract: A method of transporting electronic data in a distributed computer network, where the method includes receiving, at a first network node, a first data packet that includes a network event identifier, a user account identifier, and network event data, where the user account identifier points to a location on the first network node where the user account is stored, and the network event data define an operation between a user and a network operator. The method also includes processing the network event parameters with a loyalty algorithm to generate a loyalty value parameter; and calculating an updated account value parameter for the user account using the loyalty value parameter.

Abstract translation: 一种在分布式计算机网络中传送电子数据的方法，其中所述方法包括在第一网络节点处接收包括网络事件标识符，用户帐户标识符和网络事件数据的第一数据分组，其中所述用户帐户标识符 指向存储用户帐户的第一网络节点上的位置，并且网络事件数据定义用户和网络运营商之间的操作。 该方法还包括利用忠诚度算法处理网络事件参数以产生忠诚度值参数; 以及使用忠诚度值参数计算用户帐户的更新的帐户价值参数。