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1. 发明授权

US08606662B2 Methods and systems for managing co-brand proprietary financial transaction processing 有权
标题翻译：管理共同品牌专有金融交易处理的方法和系统
公开(公告)号：US08606662B2
公开(公告)日：2013-12-10
申请号：US12416727
申请日：2009-04-01
申请人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
发明人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
IPC分类号： G07B17/00 , G07F19/00 , G06Q40/00 , G06Q40/06 , G06Q20/10 , G07F7/10
CPC分类号： G06Q40/06 , G06Q20/10 , G06Q20/24 , G06Q20/40 , G06Q20/405 , G06Q30/0241 , G06Q30/0283 , G06Q30/06 , G06Q40/00 , G06Q40/12 , G07F7/1008 , H04L63/101
摘要： A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing within a database a list of merchants participating in a co-brand program with the interchange network, receiving an authorization request for the transaction involving the co-brand payment card wherein the authorization request includes a merchant identifier, determining whether the transaction originated at one of the participating merchants by comparing the received merchant identifier to the list of participating merchants stored within the database, manipulating the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting an authorization response from the interchange network to the acquirer. The authorization response includes the private label identifier and designates the transaction for processing as a private label transaction.
摘要翻译：提供了通过多方支付卡交换网络使用共同品牌专有支付卡处理金融交易的方法和系统。该方法包括在数据库中存储与交换网络参与共同品牌节目的商家列表，接收涉及共同品牌支付卡的交易的授权请求，其中授权请求包括商家标识符，确定交易通过将所接收到的商家标识符与存储在数据库中的参与商户的列表进行比较来起源于参与商家之一，当交易被确定为在参与商家之一发起时，操纵授权请求以包括私人标签标识符;以及从交换网向发送方发送授权响应。授权响应包括私有标签标识符，并指定作为私有标签交易处理的交易。

2. 发明授权

US08271392B2 Methods and systems for managing merchant screening 有权
标题翻译：管理商家筛选的方法和系统
公开(公告)号：US08271392B2
公开(公告)日：2012-09-18
申请号：US12416728
申请日：2009-04-01
申请人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
发明人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
IPC分类号： G06Q20/00
CPC分类号： G06Q20/35785 , G06Q20/12 , G06Q20/24 , G06Q20/40 , G06Q20/4037 , G06Q30/0283 , G06Q30/06 , G06Q40/00 , G06Q40/12 , H04L63/101
摘要： A method and system for processing a financial transaction using a payment card through a third-party interchange network is provided. The financial transaction is initiated by a cardholder at a merchant location. The method includes storing a list of private label participating merchants, receiving an authorization request for the transaction involving the payment card wherein the authorization request includes a merchant location identifier for the merchant location where the transaction occurred, performing a merchant screening process on the transaction including validating the transaction as originating at a private label participating merchant location, manipulating at the interchange network the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting the manipulated authorization request with the private label identifier to an issuer of the payment card for processing as a private label transaction.
摘要翻译：提供了一种通过第三方交换网络处理使用支付卡的金融交易的方法和系统。金融交易由商户位置的持卡人发起。所述方法包括存储私人标签参与商家的列表，接收涉及支付卡的交易的授权请求，其中所述授权请求包括所述交易发生的商户位置的商户位置标识符，对所述交易进行商家筛选处理，包括将所述交易验证为在私人标签参与商户位置发起，在所述交易所网络处操作所述授权请求以在所述交易被确定为在所述参与商家中的一个发起时包括私人标签标识符，以及将所述被操纵的授权请求与私人标签标识符作为私人标签交易处理的支付卡的发行者。

3. 发明申请

US20090254463A1 METHODS AND SYSTEMS FOR MANAGING MERCHANT SCREENING 有权
标题翻译：管理商业屏幕的方法和系统
公开(公告)号：US20090254463A1
公开(公告)日：2009-10-08
申请号：US12416728
申请日：2009-04-01
申请人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
发明人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
IPC分类号： G06Q20/00 , G06Q10/00 , G06F17/30 , G06F17/40 , G06Q40/00 , G06Q30/00
CPC分类号： G06Q20/35785 , G06Q20/12 , G06Q20/24 , G06Q20/40 , G06Q20/4037 , G06Q30/0283 , G06Q30/06 , G06Q40/00 , G06Q40/12 , H04L63/101
摘要： A method and system for processing a financial transaction using a payment card through a third-party interchange network is provided. The financial transaction is initiated by a cardholder at a merchant location. The method includes storing a list of private label participating merchants, receiving an authorization request for the transaction involving the payment card wherein the authorization request includes a merchant location identifier for the merchant location where the transaction occurred, performing a merchant screening process on the transaction including validating the transaction as originating at a private label participating merchant location, manipulating at the interchange network the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting the manipulated authorization request with the private label identifier to an issuer of the payment card for processing as a private label transaction.
摘要翻译：提供了一种通过第三方交换网络处理使用支付卡的金融交易的方法和系统。金融交易由商户位置的持卡人发起。所述方法包括存储私人标签参与商家的列表，接收涉及支付卡的交易的授权请求，其中所述授权请求包括所述交易发生的商户位置的商户位置标识符，对所述交易进行商家筛选处理，包括将所述交易验证为在私人标签参与商户位置发起，在所述交易所网络处操作所述授权请求以在所述交易被确定为在所述参与商家中的一个发起时包括私人标签标识符，以及将所述被操纵的授权请求与私人标签标识符作为私人标签交易处理的支付卡的发行者。

4. 发明申请

US20090254462A1 METHODS AND SYSTEMS FOR MANAGING CO-BRAND PROPRIETARY FINANCIAL TRANSACTION PROCESSING 有权
标题翻译：管理同质货币金融交易处理的方法和系统
公开(公告)号：US20090254462A1
公开(公告)日：2009-10-08
申请号：US12416727
申请日：2009-04-01
申请人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
发明人： Brad Michael Tomchek , Jill E. Chong , Suman Rausaria , Cathrine Lee Bone , Linda L. McCorkell , Shoon Ping Wong , Janet Smith
IPC分类号： G06Q20/00 , G06Q10/00 , G06F17/30 , G06F17/40 , G06Q30/00 , G06Q40/00
CPC分类号： G06Q40/06 , G06Q20/10 , G06Q20/24 , G06Q20/40 , G06Q20/405 , G06Q30/0241 , G06Q30/0283 , G06Q30/06 , G06Q40/00 , G06Q40/12 , G07F7/1008 , H04L63/101
摘要： A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing within a database a list of merchants participating in a co-brand program with the interchange network, receiving an authorization request for the transaction involving the co-brand payment card wherein the authorization request includes a merchant identifier, determining whether the transaction originated at one of the participating merchants by comparing the received merchant identifier to the list of participating merchants stored within the database, manipulating the authorization request to include a private label identifier when the transaction is determined to have originated at one of the participating merchants, and transmitting an authorization response from the interchange network to the acquirer. The authorization response includes the private label identifier and designates the transaction for processing as a private label transaction.
摘要翻译：提供了通过多方支付卡交换网络使用共同品牌专有支付卡处理金融交易的方法和系统。该方法包括在数据库中存储与交换网络参与共同品牌节目的商家列表，接收涉及共同品牌支付卡的交易的授权请求，其中授权请求包括商家标识符，确定交易通过将所接收到的商家标识符与存储在数据库中的参与商户的列表进行比较来起源于参与商家之一，当交易被确定为在参与商家之一发起时，操纵授权请求以包括私人标签标识符;以及从交换网向发送方发送授权响应。授权响应包括私有标签标识符，并指定作为私有标签交易处理的交易。

5. 发明申请

US20090228365A1 METHODS AND SYSTEMS FOR MANAGING MERCHANT IDENTIFIERS 有权
标题翻译：管理商家识别员的方法和系统
公开(公告)号：US20090228365A1
公开(公告)日：2009-09-10
申请号：US12396561
申请日：2009-03-03
申请人： Brad Michael Tomchek , Janet Smith , Shoon Ping Wong
发明人： Brad Michael Tomchek , Janet Smith , Shoon Ping Wong
IPC分类号： G06Q20/00 , G06F17/30 , G06Q10/00
CPC分类号： G06Q10/00 , G06Q20/02 , G06Q20/10 , G06Q20/12 , G06Q20/202 , G06Q20/24 , G06Q20/385 , G06Q20/40 , G06Q30/00 , G06Q40/12
摘要： A method and system for processing a merchant identification request from a private label payment card issuer is provided. The issuer is communicatively coupled to a multi-party payment card interchange that includes access to a database. The database stores a plurality of historical multi-party payment card transactions. The method includes transmitting a list of private label merchant locations from the issuer to the interchange wherein the list includes physical location information relating to the private label merchants listed, processing the list at the interchange by applying thereto an identification analysis including one of merchant matching only, test transaction only, and merchant matching plus test transaction, identifying at least one private label merchant location included within the list including associating a unique identifier with the at least one identified private label merchant location, and outputting the at least one identified private label merchant location with the associated unique identifier.
摘要翻译：提供了一种从私人标签支付卡发行者处理商家识别请求的方法和系统。发行者通信地耦合到包括对数据库的访问的多方支付卡交换。数据库存储多个历史多方支付卡交易。该方法包括从发行者向交换所发送私人标签商家位置的列表，其中该列表包括与列出的私人标签商家相关的物理位置信息，通过应用包括商家匹配之一的识别分析在交换处处理列表，仅测试交易，以及商家匹配加测试交易，识别包括在列表内的至少一个私人标签商家位置，包括将唯一标识符与至少一个识别的私有标签商家位置相关联，以及输出至少一个识别的私人标签商家具有关联的唯一标识符的位置。

6. 发明授权

US08191766B2 Methods and systems for managing merchant identifiers 有权
标题翻译：用于管理商家标识符的方法和系统
公开(公告)号：US08191766B2
公开(公告)日：2012-06-05
申请号：US12396561
申请日：2009-03-03
申请人： Brad Michael Tomchek , Janet Smith , Shoon Ping Wong
发明人： Brad Michael Tomchek , Janet Smith , Shoon Ping Wong
IPC分类号： G06F7/00 , G06Q40/00
CPC分类号： G06Q10/00 , G06Q20/02 , G06Q20/10 , G06Q20/12 , G06Q20/202 , G06Q20/24 , G06Q20/385 , G06Q20/40 , G06Q30/00 , G06Q40/12
摘要： A method and system for processing a merchant identification request from a private label payment card issuer is provided. The issuer is communicatively coupled to a multi-party payment card interchange that includes access to a database. The database stores a plurality of historical multi-party payment card transactions. The method includes transmitting a list of private label merchant locations from the issuer to the interchange wherein the list includes physical location information relating to the private label merchants listed, processing the list at the interchange by applying thereto an identification analysis including one of merchant matching only, test transaction only, and merchant matching plus test transaction, identifying at least one private label merchant location included within the list including associating a unique identifier with the at least one identified private label merchant location, and outputting the at least one identified private label merchant location with the associated unique identifier.
摘要翻译：提供了一种从私人标签支付卡发行者处理商家识别请求的方法和系统。发行者通信地耦合到包括对数据库的访问的多方支付卡交换。数据库存储多个历史多方支付卡交易。该方法包括从发行者向交换所发送私人标签商家位置的列表，其中该列表包括与列出的私人标签商家相关的物理位置信息，通过应用包括商家匹配之一的识别分析在交换处处理列表，仅测试交易，以及商家匹配加测试交易，识别包括在列表内的至少一个私人标签商家位置，包括将唯一标识符与至少一个识别的私有标签商家位置相关联，以及输出至少一个识别的私人标签商家具有关联的唯一标识符的位置。

7. 发明申请

US20110145081A1 METHODS AND SYSTEMS FOR PROVIDING ENHANCED DATA FOR CO-BRAND PAYMENT CARD TRANSACTIONS 有权
标题翻译：为品牌支付卡交易提供增强数据的方法和系统
公开(公告)号：US20110145081A1
公开(公告)日：2011-06-16
申请号：US12638775
申请日：2009-12-15
申请人： Brad Michael Tomchek , Robert Donald Reany , Michael William Koch , Edward Cletus Seaver , Jonathan Robert Powell
发明人： Brad Michael Tomchek , Robert Donald Reany , Michael William Koch , Edward Cletus Seaver , Jonathan Robert Powell
IPC分类号： G06Q20/00 , G06K5/00 , G06Q40/00 , G06Q30/00 , G06F17/30
CPC分类号： G06Q20/409 , G06Q20/02 , G06Q20/12 , G06Q20/20 , G06Q20/202 , G06Q20/40 , G06Q30/02
摘要： A method and system for processing a financial transaction using an enhanced payment card through a multi-party payment card interchange network are provided. An authorization request message generated at a point of sale (POS) device associated with a merchant is received at a computer associated with the interchange network. The authorization request message includes a card identifier and relates to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The transaction is electronically identified as involving the enhanced payment card by matching the received card identifier to a list of card identifiers stored within a database. A product code identifying the transaction as an enhanced payment card transaction is electronically added to the authorization request message. The merchant is instructed to transmit to the interchange computer an addendum file including enhanced transaction data for the enhanced payment card transaction.
摘要翻译：提供了一种通过多方支付卡交换网络处理使用增强型支付卡的金融交易的方法和系统。在与交换网络相关联的计算机处接收在与商家相关联的销售点（POS）设备处生成的授权请求消息。授权请求消息包括卡标识符，并涉及由持卡人使用增强型支付卡与商家发起的交易。通过将接收到的卡标识符与存储在数据库中的卡标识符的列表进行匹配来将该交易电子地识别为涉及增强的支付卡。识别交易作为增强的支付卡交易的产品代码被电子地添加到授权请求消息中。指示商家向交换计算机发送包括用于增强的支付卡交易的增强交易数据的附录文件。

8. 发明授权

US08285592B2 Methods and systems for providing enhanced data for co-brand payment card transactions 有权
标题翻译：为共同品牌支付卡交易提供增强数据的方法和系统
公开(公告)号：US08285592B2
公开(公告)日：2012-10-09
申请号：US12638775
申请日：2009-12-15
申请人： Brad Michael Tomchek , Robert Donald Reany , Michael William Koch , Edward Cletus Seaver , Jonathan Robert Powell
发明人： Brad Michael Tomchek , Robert Donald Reany , Michael William Koch , Edward Cletus Seaver , Jonathan Robert Powell
IPC分类号： G06G1/12
CPC分类号： G06Q20/409 , G06Q20/02 , G06Q20/12 , G06Q20/20 , G06Q20/202 , G06Q20/40 , G06Q30/02
摘要： A method and system for processing a financial transaction using an enhanced payment card through a multi-party payment card interchange network are provided. An authorization request message generated at a point of sale (POS) device associated with a merchant is received at a computer associated with the interchange network. The authorization request message includes a card identifier and relates to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The transaction is electronically identified as involving the enhanced payment card by matching the received card identifier to a list of card identifiers stored within a database. A product code identifying the transaction as an enhanced payment card transaction is electronically added to the authorization request message. The merchant is instructed to transmit to the interchange computer an addendum file including enhanced transaction data for the enhanced payment card transaction.
摘要翻译：提供了一种通过多方支付卡交换网络处理使用增强型支付卡的金融交易的方法和系统。在与交换网络相关联的计算机处接收在与商家相关联的销售点（POS）设备处生成的授权请求消息。授权请求消息包括卡标识符，并涉及由持卡人使用增强型支付卡与商家发起的交易。通过将接收到的卡标识符与存储在数据库中的卡标识符的列表进行匹配来将该交易电子地识别为涉及增强的支付卡。识别交易作为增强的支付卡交易的产品代码被电子地添加到授权请求消息中。指示商家向交换计算机发送包括用于增强的支付卡交易的增强交易数据的附录文件。

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