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1. 发明申请

WO2015157295A1 SYSTEMS AND METHODS FOR TRANSACTING AT AN ATM USING A MOBILE DEVICE 审中-公开
标题翻译：使用移动设备在ATM上进行交易的系统和方法
公开(公告)号：WO2015157295A1
公开(公告)日：2015-10-15
申请号：PCT/US2015/024728
申请日：2015-04-07
申请人： CAPITAL ONE FINANCIAL CORPORATION , IQBAL, Mohammed Zafar , ROSENGREN, Kevin , DOERFLER, Max , DELUCA, Brian , JOSHI, Anurag , DILLON, James , HOLLINS, Richie , WARDER, Jamie , HODGES, William A. , ALLEN, Ken
发明人： IQBAL, Mohammed Zafar , ROSENGREN, Kevin , DOERFLER, Max , DELUCA, Brian , JOSHI, Anurag , DILLON, James , HOLLINS, Richie , WARDER, Jamie , HODGES, William A. , ALLEN, Ken
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3223 , G06Q20/18 , G06Q20/3221 , G06Q20/3224 , G06Q20/40145
摘要： The disclosed embodiments provide systems and methods for transacting at a local financial service provider device using a mobile device. The system may include one or more processors configured to execute instructions to receive transaction data associated with a transaction request including a customer identifier received from a mobile device associated with the customer. Additionally, the processors may receive authentication data associated with the customer that may be provided by the customer operating the mobile device and without requiring the customer to input data directly at the local financial service provider device. The processors may further determine whether the received authentication data authenticates the transaction, authorize the transaction, and provide an indication to the local financial service provider device to perform the transaction based on a determination that the customer operating the mobile device is physically located within a threshold distance away from the local financial service provider device.
摘要翻译：所公开的实施例提供了使用移动设备在本地金融服务提供商设备进行交易的系统和方法。该系统可以包括一个或多个处理器，其被配置为执行指令以接收与包括从与客户相关联的移动设备接收的客户标识符的交易请求相关联的交易数据。此外，处理器可以接收与客户相关联的认证数据，其可以由操作移动设备的客户提供，而不需要客户直接在本地金融服务提供商设备上输入数据。处理器可以进一步确定所接收的认证数据是否验证交易，授权交易，并且基于确定操作移动设备物理上位于阈值内的确定来向本地金融服务提供商设备提供指示来执行交易距离当地金融服务提供商设备。

2. 发明申请

WO2005109227A2 SYSTEM AND METHOD FOR MANAGING A NETWORK 审中-公开
标题翻译：用于管理网络的系统和方法
公开(公告)号：WO2005109227A2
公开(公告)日：2005-11-17
申请号：PCT/US2005/015879
申请日：2005-05-06
申请人： CAPITAL ONE FINANCIAL CORPORATION
发明人： OVERSTREET, Matthew, L. , BRAUN, Richard, A. , HAYDEN, Thomas, John
IPC分类号： G06F15/16
CPC分类号： H04L43/0817 , H04L41/0253 , H04L41/0273 , H04L43/16
摘要： A method for managing a network, the network comprising partitioning the network into at least one subnet, the at least one subnet including a plurality of clients, selecting one of the plurality of clients to be operable as a subnet controller, and selecting another of the plurality of clients to be operable as a successor subnet controller, the subnet controller and the successor subnet controller being operable for determining health of the plurality of clients within the at least one subnet.
摘要翻译：一种用于管理网络的方法，所述网络包括将所述网络划分为至少一个子网，所述至少一个子网包括多个客户端，选择所述多个客户端中的一个可操作为子网控制器，以及选择另一个多个客户端可操作为后继子网控制器，子网控制器和后继子网控制器可操作用于确定至少一个子网内的多个客户端的健康状况。

3. 发明申请

WO2005048136A3 USING GRID-BASED COMPUTING TO SEARCH A NETWORK 审中-公开
公开(公告)号：WO2005048136A3
公开(公告)日：2005-05-26
申请号：PCT/US2004/036165
申请日：2004-10-29
申请人： CAPITAL ONE FINANCIAL CORPORATION , BRAUN, Richard, A. , OVERSTREET, Matthew, L. , RADABAUGH, Steven, D.
发明人： BRAUN, Richard, A. , OVERSTREET, Matthew, L. , RADABAUGH, Steven, D.
IPC分类号： G06F9/46
摘要： A method and system for searching a network in which a server locates an idle client coupled to the network to perform a search, receives an acceptance notification from the client, stores the search status and stores the search result.

4. 发明申请

WO2004015334A1 METHODS AND SYSTEMS FOR CONTROLLING A MAILROOM ENVIRONMENT 审中-公开
标题翻译：控制电力环境的方法和系统
公开(公告)号：WO2004015334A1
公开(公告)日：2004-02-19
申请号：PCT/US2003/024948
申请日：2003-08-11
申请人： CAPITAL ONE FINANCIAL CORPORATION
发明人： CAUTHORNE, Calvin
IPC分类号： F24F3/16
CPC分类号： F24F3/166 , F24F11/30 , F24F2003/1625 , F24F2003/1635 , F24F2110/50 , F24F2221/44
摘要： The present invention generally relates to mail processing and environment control. Systems for controlling a mail-processing environment to protect against contaminants may comprise a first air vent for supplying air to the mail-processing environment, a second air vent for exhausting air from the mail-processing environment, an air exchanger coupled to the first air vent and the second air vent for exchanging air in the environment, a first damper for substantially blocking air supplied to the environment through the first air vent, a second damper for substantially blocking air exhausted from the environment through the second air vent, and a control circuit for controlling the first damper and the second damper in response to a possible presence of contaminants in the mail-processing environment.
摘要翻译：本发明一般涉及邮件处理和环境控制。用于控制邮件处理环境以防止污染物的系统可以包括用于向邮件处理环境供应空气的第一排气口，用于从邮件处理环境排出空气的第二排气口，耦合到第一空气的空气交换器排气口和用于在环境中更换空气的第二通气口，用于基本上阻挡通过第一排气口供应到环境的空气的第一阻尼器，用于基本上阻挡通过第二排气口从环境排出的空气的第二阻尼器，以及控制响应于在邮件处理环境中可能存在污染物来控制第一阻尼器和第二阻尼器的电路。

5. 发明申请

WO2003038550A2 SYSTEMS AND METHODS FOR TABLE DRIVEN AUTOMATION TESTING OF SOFTWARE PROGRAMS 审中-公开
标题翻译：用于表驱动软件程序自动化测试的系统和方法
公开(公告)号：WO2003038550A2
公开(公告)日：2003-05-08
申请号：PCT/US2002/033798
申请日：2002-10-23
申请人： CAPITAL ONE FINANCIAL CORPORATION
发明人： SCHAEFER, James, S.
IPC分类号： G06F
CPC分类号： G06F11/3664 , G06F11/3688 , Y10S707/99933 , Y10S707/99934
摘要： A table driven test automation system for performing functional testing of a software program. The system may include a GUI translator component to translate one or more GUI maps into a set of database tables, a data input component to facilitate entry and editing of test case data in the tables, and a test engine component for executing the software program based on a test case stored in the tables.
摘要翻译：用于执行软件程序的功能测试的表驱动测试自动化系统。该系统可以包括GUI翻译器组件，用于将一个或多个GUI映射转换成一组数据库表，数据输入组件以便于表中测试用例数据的输入和编辑;以及用于执行基于软件程序的测试引擎组件在表中存储的测试用例。

6. 发明申请

WO2003005149A2 SYSTEMS AND METHODS FOR PROVIDING PURCHASE TRANSACTION INCENTIVES 审中-公开
标题翻译：用于提供采购交易激励的系统和方法
公开(公告)号：WO2003005149A2
公开(公告)日：2003-01-16
申请号：PCT/US2002/019802
申请日：2002-07-05
申请人： CAPITAL ONE FINANCIAL CORPORATION
发明人： NORRIS, Jeffrey
IPC分类号： G06F
CPC分类号： G06Q30/02 , G06Q20/20 , G06Q30/0226 , G06Q30/0601
摘要： A method, system, and computer are disclosed for providing purchase transaction incentives using a financial product having an identification code that may be scanned at a point-of-sale terminal. The method comprises tracking a purchase transaction by a consumer based on identification data obtained from scanning of the identification code on the financial product. Data relating to the transaction and identification data relating to the identification code are received for storage in a transaction database. A purchase transaction incentive is provided based on the stored data relating to the plurality of transactions and the stored identification data relating to the identification code. The purchase transaction incentive provides an incentive to a particular consumer to make a purchase.
摘要翻译：公开了一种方法，系统和计算机，用于提供使用具有可在销售点终端（804）扫描的识别码的金融产品的购买交易激励（808）。该方法包括基于从金融产品上的识别码的扫描获得的识别数据，消费者跟踪购买交易（804）。接收与交易有关的数据和与识别代码有关的识别数据以存储在交易数据库（806）中。基于与多个交易相关的存储数据和存储与识别码有关的识别数据，提供购买交易激励。购买交易激励措施鼓励特定消费者进行购买（808）。

7. 发明申请

WO2002084566A1 METHODS AND SYSTEMS FOR REMOTE POINT-OF-SALE FUNDS TRANSFER 审中-公开
标题翻译：远程销售点基金转移的方法和系统
公开(公告)号：WO2002084566A1
公开(公告)日：2002-10-24
申请号：PCT/US2002/008252
申请日：2002-04-10
申请人： CAPITAL ONE FINANCIAL CORPORATION , GUZMAN, Javier , LANCASTER, Eric, Scott , STRADTMAN, Robert, W.
发明人： GUZMAN, Javier , LANCASTER, Eric, Scott , STRADTMAN, Robert, W.
IPC分类号： G06F17/60
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/20 , G07F19/202
摘要： Systems and methods consistent with the principles of the present invention address the need to more conveniently and efficiently transfer value to a card issuer. Specifically, in systems and methods consistent with the invention, funds to be applied as a payment to an account are received at a point-of-sale location from a cardholder (200). These funds may include cash, check, credit card, money order, cashier's check, or other cash equivalent. A transaction message, indicating a payment transaction and a payment amount, is sent from the point-of-sale location to the card issuer (210). The card issuer then verifies the account information indicated in the transaction message (220). When the point-of-sale location then receives an indication that the payment amount was applied to the account, the point-of-sale location forwards the payment to the card issuer (230).
摘要翻译：与本发明的原理一致的系统和方法解决了需要更方便和有效地将价值转移给卡发行商。具体来说，在与本发明一致的系统和方法中，将从应用于作为支付到账户的资金从在持卡人（200）处的销售点处收到。这些资金可能包括现金，支票，信用卡，汇票，收银员支票或其他现金等价物。指示支付交易和支付金额的交易消息从销售点位置发送到卡发行商（210）。卡发行商然后验证在交易消息（220）中指示的账户信息。当销售点位置接收到支付金额被应用于账户的指示时，销售点位置将支付转发给发卡机构（230）。

8. 发明申请

WO2002065236A2 SYSTEM AND METHOD FOR MANAGING CONSUMER INFORMATION 审中-公开
标题翻译：管理消费者信息的系统和方法
公开(公告)号：WO2002065236A2
公开(公告)日：2002-08-22
申请号：PCT/US2002/001252
申请日：2002-02-13
申请人： CAPITAL ONE FINANCIAL CORPORATION
发明人： LORTSCHER, Franck, D. , BROADHEAD, Tom, Allatt , LAPRADE, III, Franck, G.
IPC分类号： G06F
CPC分类号： G06F21/6245 , G06Q30/02 , G06Q30/0236 , G06Q30/0239 , G06Q30/0283
摘要： A system and method are provided for managing consumer information, which permit sharing of consumer information in a controlled manner. In accordance with the disclosed system, at least one database (308) is provided that contains consumer information related to at least one user. An administrative agent (302) is also provided for establishing access to the consumer information contained in the database based on preferences expressed by the user. The system also includes a licensing agent (304) for setting at least one licensing fee schedule for each user based on a set of licensing rules, and a payment agent (306) for paying each user. In accordance with a disclosed method, a database is created of consumer information related to at least one user and access to the consumer information contained in the database is established based on each user's preferences. The method also includes setting a licensing fee schedule based on a set of licensing rules and paying the customer based on a set of payment rules.
摘要翻译：提供了一种用于管理消费者信息的系统和方法，其允许以受控的方式共享消费者信息。根据所公开的系统，提供至少一个包含与至少一个用户相关的消费者信息的数据库（308）。还提供管理代理（302），用于基于由用户表达的偏好来建立对包含在数据库中的消费者信息的访问。该系统还包括许可代理（304），用于基于一组许可规则为每个用户设置至少一个许可费用计划，以及用于支付每个用户的支付代理（306）。根据所公开的方法，创建与至少一个用户相关的消费者信息的数据库，并且基于每个用户的偏好建立对包含在数据库中的消费者信息的访问。该方法还包括基于一组许可规则设置许可费用计划，并基于一组支付规则来支付客户。

9. 发明申请

WO2015095517A1 A SYSTEM AND METHOD FOR ENHANCED TOKEN-BASED PAYMENTS 审中-公开
标题翻译：一种用于增强基于TOKEN的付款的系统和方法
公开(公告)号：WO2015095517A1
公开(公告)日：2015-06-25
申请号：PCT/US2014/071152
申请日：2014-12-18
申请人： CAPITAL ONE FINANCIAL CORPORATION
发明人： NICZYPORUK, Janusz, Michael , POOLE, Thomas, S. , MORETON, Paul, Young
IPC分类号： G06Q20/40 , G06Q30/06 , H04L29/06
CPC分类号： G06Q20/38215 , G06Q20/02 , G06Q20/204 , G06Q20/3224 , G06Q20/3227 , G06Q20/3229 , G06Q20/3278 , G06Q30/0224 , G06Q50/01 , H04W4/80
摘要： A system and method for enhanced token-based payments. The system and method including software and hardware to receive, via a network, a request for authorization; create, in response to the request, a dynamic payment packet (DPP) for payment: transmit, via a network, the DPP; receive, via a network, an authorization request, the DPP, and a transaction ID; receive at least one additional data element relating to the customer involved in the transaction and the transaction itself; and transmit, via a network, the transaction ID, an authorization response, and token.
摘要翻译：一种用于增强基于令牌的支付的系统和方法。所述系统和方法包括软件和硬件，以经由网络接收授权请求; 响应于该请求创建用于支付的动态支付分组（DPP）：经由网络发送DPP; 通过网络接收授权请求，DPP和交易ID; 收到至少一个与交易涉及的客户和交易本身相关的附加数据元素; 并通过网络传送交易ID，授权响应和令牌。

10. 发明申请

WO2003030002A1 SYSTEMS AND METHODS FOR PROVIDING SECURED ELECTRONIC MESSAGING 审中-公开
标题翻译：用于提供安全电子消声的系统和方法
公开(公告)号：WO2003030002A1
公开(公告)日：2003-04-10
申请号：PCT/US2002/030473
申请日：2002-09-26
申请人： CAPITAL ONE FINANCIAL CORPORATION
发明人： CLARKE, Forrest, James , ZEIGLER, Bradley, Carl , SENGUPTA, Abhik
IPC分类号： G06F15/16
CPC分类号： H04L51/066 , H04L63/04
摘要： Systems and methods are disclosed for providing secured messaging in a communication network environment. The network environment may include public communication channels or networks (300), such as the Internet. Embodiments of the invention may be implemented to facilitate secured electronic messaging between any combination of entities, such as one or more customer locations (302) and a message center (380). Further, consistent with embodiments of the invention, arrangements may be provided to permit the servicing of customers within a network environment that integrates legacy systems associated with a message center (380).
摘要翻译：公开了用于在通信网络环境中提供安全消息的系统和方法。网络环境可以包括诸如因特网的公共通信信道或网络（300）。可以实现本发明的实施例以促进诸如一个或多个客户位置（302）和消息中心（380）之间的实体的任何组合之间的安全电子消息传送。此外，与本发明的实施例一致，可以提供布置以允许对与消息中心相关联的遗留系统（380）进行集成的网络环境内的客户的服务。

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