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111. 发明申请

WO2004036806A2 WIRELESS COMMUNICATION DEVICE ACCOUNT PAYMENT NOTIFICATION SYSTEMS AND METHODS 审中-公开
标题翻译：无线通信设备账户支付通知系统和方法
公开(公告)号：WO2004036806A2
公开(公告)日：2004-04-29
申请号：PCT/US2003/028933
申请日：2003-09-19
申请人： FIRST DATA CORPORATION
发明人： FRAZIER, Patricia, A. , ALGIENE, Kenneth
IPC分类号： H04L
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/102 , G06Q20/32 , G06Q20/3221 , G06Q40/00
摘要： Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.
摘要翻译：系统和方法被提供用于通知无线通信设备用户关于帐户支付。一种方法包括拨打无线通信设备的电话号码，优选地是手机。然后将包括余额到期的帐户支付相关的通信发送或传送到无线通信设备用户。可选地，在同一时间或稍后的时间，可以接收到从无线通信设备用户的输入关于应付余额的支付。这种通知方法可以由主计算机系统执行，该主计算机系统具有何时到期的账号支付记录，并在预定的时间帧内进行拨号和发送。通常，这样的方法还将包括预先注册或注册无线通信设备用户。

112. 发明申请

WO2004034206A2 ELECTRONIC CARD TICKETS AND METHODS FOR THEIR USE 审中-公开
标题翻译：电子卡门票及其使用方法
公开(公告)号：WO2004034206A2
公开(公告)日：2004-04-22
申请号：PCT/US2003/031861
申请日：2003-10-07
申请人： FIRST DATA CORPORATION
发明人： MCGEE, Christopher, R. , BAUMGARTNER, David, R. , NEWBROUGH, Keith, A. , ALGIENE, Kenneth
IPC分类号： G06F
CPC分类号： G07F7/08 , G06Q20/045 , G06Q20/342 , G07F7/025 , G07F7/12 , G07F7/122 , G07F17/42
摘要： A method for issuing tickets proceeds by selecting an inactive ticket that includes an identifier. Payment is provided for the ticket, and the identifier and a payment amount is entered into a payment processing device. The identifier is transmitted to a host computer system having a record of the identifier and a status of the ticket. The status of the ticket is then changed to an active status in the host computer system.
摘要翻译：通过选择包括标识符的不活动票证来发行票证的方法。为票证提供支付，并将标识符和支付金额输入到支付处理设备中。标识符被发送到具有标识符和票据状态的记录的主计算机系统。然后票证的状态在主机系统中变为活动状态。

113. 发明申请

WO2004032595A2 DISCOUNT-INSTRUMENT METHODS AND SYSTEMS 审中-公开
标题翻译：折扣仪器方法和系统
公开(公告)号：WO2004032595A2
公开(公告)日：2004-04-22
申请号：PCT/US2003/031863
申请日：2003-10-07
申请人： FIRST DATA CORPORATION
发明人： MCGEE, Christopher, R. , SCHWANER, Tanya , BAUMGARTNER, David, R.
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0225 , G06Q30/02 , G06Q30/0238
摘要： Methods and systems are provided to apply a discount to a transaction. An identifier is extracted from a discount instrument and is transmitted to a host system. A validation is received from the host system for the discount instrument and a cost of the transaction is reduced in accordance with a discount arrangement associated with the discount instrument.
摘要翻译：提供方法和系统以对交易应用折扣。从折扣仪器提取标识符并将其发送到主机系统。从折扣工具的主机系统收到验证，并根据与折扣工具相关的折扣安排，减少交易成本。

114. 发明申请

WO2004027555A2 METHOD AND SYSTEM FOR MERCHANT PROCESSING OF PURCHASE CARD TRANSACTIONS WITH EXPANDED CARD TYPE ACCEPTANCE 审中-公开
标题翻译：使用扩展卡类型接受度来处理购买卡交易的方法和系统
公开(公告)号：WO2004027555A2
公开(公告)日：2004-04-01
申请号：PCT/US2003/028819
申请日：2003-09-11
申请人： FIRST DATA CORPORATION
发明人： STRAYER, Allen, C. , NIMMO, Kathleen, K. , WEIS, David, G.
IPC分类号： G06F
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/1235 , G06Q20/20 , G06Q20/204 , G06Q20/367 , G06Q20/4037 , G06Q30/0207 , G06Q30/06 , G06Q40/00 , G06Q40/04
摘要： Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the merchant accepts, and merchant-specific transaction processing parameters are associated with each card type. During transaction processing, a card type for the transaction is identified from transaction data submitted by the merchant, and the merchant-specific transaction processing parameters associated with the identified card type are used to control transaction processing.
摘要翻译：提供了具有扩展卡类型接受的商家处理购买卡交易的系统和方法。对于每个商家，维护商家接受的每种卡类型的记录，并且商家特定的交易处理参数与每种卡类型相关联。在交易处理期间，交易的卡类型由商家提交的交易数据识别，并且与识别的卡类型相关联的商家特定的交易处理参数被用于控制交易处理。

115. 发明申请

WO2004027554A2 METHOD AND SYSTEMS FOR PROVIDING MERCHANT SERVICES WITH RIGHT-TIME CREATION AND UPDATING OF MERCHANT ACCOUNTS 审中-公开
标题翻译：提供商业服务的方法和系统，适时创建和更新商业帐户
公开(公告)号：WO2004027554A2
公开(公告)日：2004-04-01
申请号：PCT/US2003/028817
申请日：2003-09-11
申请人： FIRST DATA CORPORATION
发明人： KELLOGG, Linda, L. , MATHISON, Steven, W. , SPURLOCK, Tony, W. , WEIS, David, G. , SHARPEE, Alan, R.
IPC分类号： G06F
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/382 , G06Q20/40
摘要： Systems and methods for providing merchant services with right-time creation and updating of merchant accounts. Merchant-specific information for each merchant is stored in a record and used to process purchase card transactions submitted by the merchant. When a user creates or updates a merchant account record, the user can indicate whether the update is to take effect immediately or at a user-specified later time. An immediate update is processed substantially without delay. Other updates are queued for later processing and processed at the user-specified later time.
摘要翻译：为商家提供正确的时间创建和更新商户帐户的系统和方法。每个商家的商家特定信息存储在记录中，并用于处理商家提交的购买卡交易。当用户创建或更新商家帐户记录时，用户可以指示该更新是立即生效还是在稍后用户指定的时间。基本上没有延迟立即处理更新。其他更新排队等待后续处理，并在用户指定的稍后时间进行处理。

116. 发明申请

WO2004023260A3 MULTIPLE CREDIT LINE PRESENTATION INSTRUMENT 审中-公开
公开(公告)号：WO2004023260A3
公开(公告)日：2004-03-18
申请号：PCT/US2003/027810
申请日：2003-09-05
申请人： FIRST DATA CORPORATION
发明人： HOLM BLAGG, Lynn
IPC分类号： G06F17/60
摘要： The present invention provides systems and methods for consummating transactions realized using credit cards and other types of presentation instruments. The methods can include, inter alia, identifying a presentation instrument associated with a transaction request. Such a presentation instrument is associated with at least two underlying accounts, and it is determined the proportion in which to apply the amount of the transaction request to the underlying accounts. The systems can include various hardware and software used to implement this and other methods.

117. 发明申请

WO2003083624A3 INTERNATIONAL NEGOTIABLE INSTRUMENT PAYMENT 审中-公开
公开(公告)号：WO2003083624A3
公开(公告)日：2003-10-09
申请号：PCT/US2003/009926
申请日：2003-03-27
申请人： FIRST DATA CORPORATION
发明人： KARAS, Peter, M. , WILBER, Richard, G. , BAUMGART, Mark, D. , TRUJILLO, Chris
IPC分类号： G06F17/60
摘要： According to the invention, a method for purchasing a negotiable instrument from an online payment system by a payor to compensate a payee in relation to a listing on a vending site is disclosed. In one step, a payment currency and/or a drawee bank nationality is selected for the online payment system to use when issuing the payment instrument. Payment information is received from the payor and comprises at least two of: a payee identifier, a payee name, a payee, and a payment amount. A money handler associated with the payor is debited for at least the payment amount. The payment instrument payable to the payee name for the payment amount is generated. That payment instrument is based on at least one of the payment currency and the drawee bank nationality. The payment currency is different from a currency used by the money handler. The payment instrument is delivered to the payee.

118. 发明申请

WO2003079262A1 RELOADABLE DEBIT CARD SYSTEM AND METHOD 审中-公开
标题翻译：可靠的债务卡系统和方法
公开(公告)号：WO2003079262A1
公开(公告)日：2003-09-25
申请号：PCT/US2002/007035
申请日：2002-03-08
申请人： FIRST DATA CORPORATION A Delaware Corporation , COYLE, Adam
发明人： COYLE, Adam
IPC分类号： G06F17/60
CPC分类号： G06Q20/04 , G06Q20/20 , G06Q20/227 , G06Q20/28 , G06Q20/342 , G06Q20/403 , G06Q20/405 , G07F7/025
摘要： A reloadable debit card system (2) and method includes an issuing institution (4) whereat a main account is set up and multiple sub-accounts are established thereunder. Each sub-account corresponds to a respective cardholder. The sub-accounts are established and debit cards (10) are printed with respective sub-account numbers prior to distributing the cards to an POS distribution network (8). The cards (10) are purchased from the POS member establishments for predetermined incremental values, resulting in credits to the sub-accounts (12) Value can be added to such cards (10) in such increments. Goods and services can be purchased with the cards (10) whereupon the sub-accounts (12) are debited. Negotiable instruments, such as money orders and the like, can optionally be purchased with the cards (10).
摘要翻译：可重新借记的借记卡系统（2）和方法包括发行机构（4），其中建立了主要账户，并在其中建立了多个子账户。每个子账户对应相应的持卡人。在将卡分配到POS分配网络（8）之前，建立子帐户并将借记卡（10）打印有相应的子帐号。这些卡（10）从POS会员机构购买预定的增量值，导致对子账户的贷记（12）可以以这种增量将值添加到这样的卡（10）中。商品和服务可以使用卡片（10）购买，因此子帐户（12）被扣除。面议的仪器（例如货单等）可以选择性地与卡（10）一起购买。

119. 发明申请

WO2003077181A1 MONEY TRANSFER EVALUATION SYSTEMS AND METHODS 审中-公开
标题翻译：货币转移评估系统和方法
公开(公告)号：WO2003077181A1
公开(公告)日：2003-09-18
申请号：PCT/US2003/007274
申请日：2003-02-21
申请人： FIRST DATA CORPORATION
发明人： DEGEN, Robert , RITTER, Duane , PRENDERGAST, Brian , WITTMAN, David
IPC分类号： G06F17/60
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q20/382 , G06Q20/403 , G07F7/08
摘要： This invention claims systems and methods for evaluating electronic value transfers (7a). Said mehods include receiving money transfer requests (705), electronically storing records of the money transfer requests (710), and performing an anaysis of the of the records (735). The analysis of the records can indicate that two or more of the records are related. The related records are associated with a reference designator (740) that is used to search money transfer records and identify suspect activity. the system can include a fraud processing system associated with a money transfer system (730).
摘要翻译：本发明要求用于评估电子价值转移的系统和方法（7a）。所述方法包括接收汇款请求（705），电子存储汇款请求（710）的记录，以及执行记录（735）的流程。记录的分析可以表明两个或多个记录是相关的。相关记录与参考标记（740）相关联，用于搜索汇款记录并识别可疑活动。系统可以包括与货币转移系统相关联的欺诈处理系统（730）。

120. 发明申请

WO2003054658A2 CUSTOMER PRIVACY PROTECTION SYSTEMS AND METHODS 审中-公开
标题翻译：客户隐私保护系统和方法
公开(公告)号：WO2003054658A2
公开(公告)日：2003-07-03
申请号：PCT/US2002/039081
申请日：2002-12-05
申请人： FIRST DATA CORPORATION
发明人： VILLAPUDUA, Missy, L.
IPC分类号： G06F
CPC分类号： G07F7/10 , G06Q20/04 , G06Q20/102 , G06Q20/347 , G06Q20/4014 , G06Q30/02 , G07C9/00031 , G07F7/1075
摘要： A method for protecting consumer personal data by giving the consumer a choice of privacy preferences linked to their financial payment instruments such as credit cards, checks and the like. The privacy preference data is stored electronically in a database and on the payment instrument.
摘要翻译：通过向消费者提供与他们的金融支付工具（例如信用卡，支票等）相关联的隐私偏好的选择来保护消费者个人数据的方法。隐私偏好数据以电子方式存储在数据库和付款工具中。

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