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    SYSTEM AND METHOD FOR ASSURING PAYMENTS AND RECEIVABLES
    3.
    发明申请
    SYSTEM AND METHOD FOR ASSURING PAYMENTS AND RECEIVABLES 审中-公开

    公开(公告)号：WO2018122820A1

    公开(公告)日：2018-07-05

    申请号：PCT/IB2017/095000

    申请日：2017-12-28

    Applicant: ARORA, Inderpal Singh ,  THACKER, Bharat ,  SHARMA, Nitesh

    Inventor： ARORA, Inderpal Singh ,  THACKER, Bharat ,  SHARMA, Nitesh

    IPC: G06Q20/00 ,  G06Q40/00

    CPC classification number: G06Q40/02 ,  G06Q20/108 ,  G06Q20/28 ,  G06Q20/405 ,  G06Q40/12

    Abstract: System of the present disclosure enables execution of assured financial transactions, and comprises a user registration module configured to retrieve actual available balance of users' bank account; an assured receivables module configured to receive one or more future assured receivables for said bank account, each of said one or more future assured receivables indicating an assured irrevocable amount that would be credited to the bank account at a defined future receivables date; an assured payables module configured to receive, from said user, one or more assured future payables to be processed, each of said one or more future assured payables indicating an assured irrevocable amount that would be debited at a defined future payables date; and an assuredpay balance computation module configured to compute an assured balance based on said actual available balance in the bank account, said one or more assured receivables, and said one or more assured payables.

    SNAP IT GO SYSTEM AND METHOD
    4.
    发明申请
    SNAP IT GO SYSTEM AND METHOD 审中-公开
    SNAP IT GO系统和方法

    公开(公告)号：WO2018027115A1

    公开(公告)日：2018-02-08

    申请号：PCT/US2017/045465

    申请日：2017-08-04

    Applicant: MANSUR, B

    Inventor： MANSUR, B

    IPC: G06Q20/28 ,  G06Q20/16 ,  G06Q20/32

    CPC classification number: G06Q20/28 ,  G06K7/10297 ,  G06K7/1413 ,  G06K7/1417 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/322 ,  G06Q20/3223

    Abstract: A system and method to allow the virtual equivalent tendering of cash using a push model, so that a user may pay a transaction through an electronic prepaid, credit and/or debit accounts' mechanism, when paying for goods and services. In effect, the system replicates the tendering of a cash transaction (through a push rather than a pull model), providing vendors and customers with an easy to interface approach.

    Abstract translation: 使用推送模型允许现金的虚拟等价投标的系统和方法，以便用户在付款时可以通过电子预付费，信用卡和/或借方账户机制支付交易 货物与服务。 实际上，系统复制了现金交易的招标（通过推送而不是拉模式），为供应商和客户提供了一种易于界面的方法。

    COMMODITY PURCHASE SYSTEM
    5.
    发明申请
    COMMODITY PURCHASE SYSTEM 审中-公开
    商品购买体系

    公开(公告)号：WO2017218060A1

    公开(公告)日：2017-12-21

    申请号：PCT/US2017/023345

    申请日：2017-03-21

    Applicant: RACUSIN, Michael, A.

    Inventor： RACUSIN, Michael, A.

    IPC: G06G1/12 ,  G06Q20/00

    CPC classification number: G06Q20/28 ,  G06Q20/202 ,  G06Q20/26 ,  G06Q20/387 ,  G06Q30/0207

    Abstract: A commodity purchase system is disclosed that allows a consumer to pre-purchase a commodity at a discounted price without taking delivery at the time of the purchase. The discount takes into account the unit regional wholesale gasoline price for the region at the time of purchase as well as local taxes and local fees which can vary in different locales. In this way, a wholesaler can offer a commodity purchase card with or without a discount that can be used in all regions of a geographical area, such as the US, even though the local taxes, local fees and the regional unit gasoline price varies. In particular, the system determines the location of the user by way of a Point of Sale (POS) terminal. Once the location of the user is known, the system determines a discounted wholesale unit gasoline price. This can be done by determining the retail undiscounted per unit price at the time of purchase and subtracting from it the regional wholesale unit price which determines the quantity (local taxes + local fees) or alternatively subtracting the local taxes to determine the local fees. Either way, the discounted retail price is determined by adding the local taxes and local fees to the discounted wholesale price at the time of purchase. Once the total unit price for the location is determined, the system checks the user's current cash balance and enables the POS pump for a number of gallons as a function of the current cash balance. The commodity purchase system allows a purchaser to purchase a commodity that is attractive to wholesalers without any geographical constraints.

    Abstract translation: 公开了一种商品购买系统，其允许消费者以折扣价格预先购买商品而不在购买时接收货物。 折扣考虑了购买时该地区的单位区域批发汽油价格以及当地税收和当地费用，这些费用在不同地区可能会有所不同。 通过这种方式，批发商可以提供具有或不具有折扣的商品购买卡，即使当地税收，当地费用和区域单位汽油价格变化，也可以在地理区域的所有地区使用，例如美国。 具体而言，系统通过销售点（POS）终端来确定用户的位置。 一旦知道用户的位置，系统就确定折扣的批发单位汽油价格。 这可以通过确定购买时每单位价格的未折现零售价，并从中扣除确定数量的地区批发单位价格（地方税+当地费用），或者减去地方税以确定当地费用。 无论哪种方式，折扣零售价格是通过在购买时将当地税收和当地费用添加到折扣批发价格来确定的。 一旦确定了该地点的总单价，系统将检查用户当前的现金余额，并根据当前的现金余额为POS泵启用若干加仑。 商品购买系统允许购买者购买对批发商有吸引力的商品，而没有任何地理限制。

    METHODS AND SYSTEMS FOR TELECOMMUNICATION MESSAGING AND REAL-TIME REPLENISHMENT SYSTEMS
    6.
    发明申请
    METHODS AND SYSTEMS FOR TELECOMMUNICATION MESSAGING AND REAL-TIME REPLENISHMENT SYSTEMS 审中-公开
    电信通信和实时再现系统的方法和系统

    公开(公告)号：WO2017106309A1

    公开(公告)日：2017-06-22

    申请号：PCT/US2016/066604

    申请日：2016-12-14

    Applicant: MILTECH PLATFORM, INC.

    Inventor： LU, Dat, The

    IPC: G06Q20/00 ,  G06Q20/08 ,  G06Q20/14 ,  G06Q20/28 ,  H04M11/00 ,  H04M15/00

    CPC classification number: G06Q20/00 ,  G06Q20/08 ,  G06Q20/14 ,  G06Q20/28 ,  H04M11/00 ,  H04M17/02 ,  H04M17/20 ,  H04M17/204 ,  H04M17/206 ,  H04M17/208

    Abstract: Methods and systems for top-up are provided. A representative telecommunication messaging and real-time replenishment (TMRTR) system includes a user interface that receives a user input and transmits the user input that includes chat message and a recipient phone number associated with a phone user's account: and a real-time replenishment (RTR) gateway that receives and transmits chat messages and the phone number from the user interface and requests for a telephone service company associated with the phone number to a home location register (HLR) look up service. The RTR gateway tops up phone minutes and/or balance of money of the phone user's account associated with the phone number based on the phone number of the received user input, and the determined telephone service company from the HLR look up service.

    Abstract translation:

    提供了充值方法和系统。 代表性的电信消息和实时补充（TMRTR）系统包括用户接口，该用户接口接收用户输入并发送包括聊天消息和与电话用户的账户相关联的接收方电话号码的用户输入;以及实时补充（ RTR）网关，其从用户接口接收和发送聊天消息和电话号码，并请求与该电话号码相关联的电话服务公司到归属位置寄存器（HLR）查找服务。 RTR网关基于接收到的用户输入的电话号码和HLR查找服务确定的电话服务公司，填充与电话号码相关联的电话用户账户的电话分钟和/或余额。

    MODULATING MOBILE-DEVICE DISPLAYS BASED ON AMBIENT SIGNALS TO REDUCE THE LIKELIHOOD OF FRAUD
    7.
    发明申请
    MODULATING MOBILE-DEVICE DISPLAYS BASED ON AMBIENT SIGNALS TO REDUCE THE LIKELIHOOD OF FRAUD 审中-公开
    基于环境信号调整移动设备显示器，以减少欺诈的风险

    公开(公告)号：WO2016183473A1

    公开(公告)日：2016-11-17

    申请号：PCT/US2016/032434

    申请日：2016-05-13

    Applicant: RETAILMENOT, INC.

    Inventor： DRAGUSHAN, Aaron ,  DUBUQUE, Shaun, F.

    IPC: G06Q20/38 ,  G06Q20/34 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q20/32 ,  H04W4/02

    CPC classification number: G06Q20/405 ,  G06Q20/28 ,  G06Q20/3224 ,  G06Q20/3274 ,  G06Q30/0207 ,  H04M1/72569

    Abstract: Provided is a process of classifying ambient signals to reduce fraudulent use of information, the process including: receiving, with the mobile computing device, from a remote server, balance-access information by which a stored value card balance can be spent at a point of sale terminal; storing, with the mobile computing device, the balance-access information; sensing, with one or more sensors of a mobile computing device, ambient signals; classifying the ambient signals as indicating the user is in a retail establishment; and in response to the classification, displaying, on a display screen of the mobile computing device, the balance-access information, such that the balance-access information can be input to a point-of-sale terminal.

    Abstract translation: 提供了对环境信号进行分类以减少对信息的欺诈性使用的过程，该过程包括：使用移动计算设备从远程服务器接收平衡访问信息，通过该平衡访问信息可以在 销售终端 与移动计算设备一起存储平衡接入信息; 用移动计算设备的一个或多个传感器感测环境信号; 将环境信号分类为指示用户在零售店中; 并且响应于分类，在移动计算设备的显示屏幕上显示余额访问信息，使得平衡访问信息可以被输入到销售点终端。

    充值实现方法及系统
    9.
    发明申请
    充值实现方法及系统 审中-公开

    公开(公告)号：WO2016101621A1

    公开(公告)日：2016-06-30

    申请号：PCT/CN2015/085628

    申请日：2015-07-30

    Applicant: 中兴通讯股份有限公司

    Inventor： 李小永

    IPC: G06Q20/28 ,  G06Q20/34 ,  G06Q20/16

    CPC classification number: G06Q20/28 ,  G06Q20/16 ,  G06Q20/34

    Abstract: 一种充值实现方法及系统，其中，所述系统包括：第一类节点，设置为对充值卡进行管理，并将发行卡数据同步到第二类节点；所述第二类节点，设置为对充值卡充值进行处理，并将充值数据同步至所述第一类节点。采用上述技术方案，解决了相关技术中，由于卡管理流程和卡充值流程均在一套数据库内完成而导致的充值操作的每秒接入次数较低的问题，进而实现了在充值系统中，由不同的节点来完成卡管理流程和卡充值流程。

    SYSTEM AND METHOD FOR PROCESSING VOUCHERS
    10.
    发明申请
    SYSTEM AND METHOD FOR PROCESSING VOUCHERS 审中-公开
    用于处理报文的系统和方法

    公开(公告)号：WO2016092431A1

    公开(公告)日：2016-06-16

    申请号：PCT/IB2015/059324

    申请日：2015-12-03

    Applicant: VOUCHER ACTIVATION IP SERVICES PTE. LTD

    Inventor： COOPER, Philip Graham ,  SCHMULIAN, Jason Marc ,  HUNT, Jonathan Paul ,  RAGHUNATHAN, Vijay ,  MONEY, Dean Andrew

    IPC: G06Q20/28

    CPC classification number: G06Q20/28

    Abstract: A voucher processor (122) receives (204) a plurality of voucher identifiers from a voucher provider (132) and, for each voucher identifier, instructs (208) the issuing of payment credentials of a payment instrument from an issuer processor (123). The issuer processor (123) or the voucher processor (122) links (210) each voucher identifier to payment credentials of a corresponding payment instrument. The voucher processor (122) or issuer processor (123) submits the plurality of voucher identifiers to the voucher provider (132) along with the linked payment credentials for each voucher identifier, such that, subsequent to a voucher being activated (408), the voucher provider is capable of initiating (424) a transfer of funds associated with the voucher in favour of the voucher provider (132) by transmitting the payment credentials linked to the voucher identifier for receipt by the issuer processor (123). The issuer processor (123) may receive the payment credentials via an acquiring bank (138) and a payment processor (124) in an open-loop manner.

    Abstract translation: 凭证处理器（122）从凭单提供者（132）接收（204）多个凭证标识符，并且对于每个凭单标识符，指示（208）从发行者处理器（123）发出付款凭证的支付凭证。 发行者处理器（123）或凭单处理器（122）将每个凭单标识符链接（210）到相应支付工具的支付凭证。 凭单处理器（122）或发行者处理器（123）将多个凭单标识符连同每个凭单标识符的链接的支付凭证一起提交给凭单提供商（132），使得在凭单被激活（408）之后， 代理商提供商能够通过发送链接到凭证标识符的支付凭证来发起（424）与凭单相关联的资金，以有利于凭单提供商（132），以供发行者处理器（123）接收。 发行者处理器（123）可以经由采集银行（138）和支付处理器（124）以开环方式接收支付凭证。

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