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1. 发明申请

WO2016130886A1 METHOD AND SYSTEM FOR PROVIDING INSIGHTS TO MERCHANTS BASED ON CONSUMER TRANSACTION HISTORY 审中-公开
标题翻译：基于消费者交易历史向商家提供观点的方法和系统
公开(公告)号：WO2016130886A1
公开(公告)日：2016-08-18
申请号：PCT/US2016/017684
申请日：2016-02-12
申请人： CUMMINS, Oran , PURCELL, Kimberly Ann , TRIANO, Kaitlin , DE, Sruba
发明人： CUMMINS, Oran , PURCELL, Kimberly Ann , TRIANO, Kaitlin , DE, Sruba
IPC分类号： G06Q30/06 , G06Q20/08 , G06Q20/40
CPC分类号： G06Q30/0201
摘要： A method for providing insight metrics for transaction behavior includes: storing account profiles, each including a profile identifier and transaction data entries including transaction data related to a payment transaction; receiving a first data file including a specific identifier associated with a specific merchant and an account identifier of a group of one or more account identifiers; identifying, for each account identifier of the group, a related account profile based on a correspondence between the profile identifier and the respective account identifier; identifying metric values for each identified account profile, wherein each metric values is associated with a desired metric and is based on the transaction data included in each transaction data entry included in the respective account profile; generating a second data file including at least the account identifier corresponding to each identified account profile; and transmitting the generated second data file.
摘要翻译：一种用于提供事务行为的洞察度量的方法包括：存储帐户简档，每个帐户简档包括简档标识符和包括与支付交易相关的交易数据的交易数据条目; 接收包括与特定商家相关联的特定标识符的第一数据文件和一个或多个帐户标识符的组的帐户标识符; 基于所述简档标识符和所述相应帐户标识符之间的对应关系来识别所述组的每个帐户标识符的相关帐户简档; 识别每个所识别的帐户简档的度量值，其中每个度量值与期望度量相关联，并且基于包括在相应帐户简档中的每个交易数据条目中包括的交易数据; 生成至少包括与每个所识别的帐户简档对应的帐户标识符的第二数据文件; 以及发送所生成的第二数据文件。

2. 发明申请

WO2012068480A2 FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS 审中-公开
标题翻译：财务卡方法，设备和系统利用条形码识别交易细节
公开(公告)号：WO2012068480A2
公开(公告)日：2012-05-24
申请号：PCT/US2011/061433
申请日：2011-11-18
申请人： LYONS, Garry , BROWN, David , ATKINS, Clay , CUMMINS, Oran , MARTIN, Daniel , COOKE, Alan , ELDER, Stephen
发明人： LYONS, Garry , BROWN, David , ATKINS, Clay , CUMMINS, Oran , MARTIN, Daniel , COOKE, Alan , ELDER, Stephen
IPC分类号： G06Q20/00 , G06K9/18
CPC分类号： G06Q20/3272 , G06Q20/227 , G06Q20/3276 , G06Q20/385
摘要： An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network.
摘要翻译：公开了一种使用支付者设备读取可读付费代码的电子金融交易安排，其中特定交易的交易细节可由付款代码提供商编码。机器可读付费代码可以通过声音刺激或作为基于语音或基于人的手势动作的结果分发给付款人设备。支付者设备的用户也可以通过读取显示器唯一的唯一机器可读代码，通过对显示器的间接控制来参与金融交易。特定交易的额外交易细节可以通过近场通信在付款机设备中接收，或者在与移动网络建立连接的较晚时间被访问。

3. 发明申请

WO2012068480A3 FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS 审中-公开
标题翻译：使用条形码识别交易详情的金融卡方法，装置和系统
公开(公告)号：WO2012068480A3
公开(公告)日：2012-08-30
申请号：PCT/US2011061433
申请日：2011-11-18
申请人： LYONS GARRY , BROWN DAVID , ATKINS CLAY , CUMMINS ORAN , MARTIN DANIEL , COOKE ALAN , ELDER STEPHEN
发明人： LYONS GARRY , BROWN DAVID , ATKINS CLAY , CUMMINS ORAN , MARTIN DANIEL , COOKE ALAN , ELDER STEPHEN
IPC分类号： G06Q20/00 , G06K9/18
CPC分类号： G06Q20/3272 , G06Q20/227 , G06Q20/3276 , G06Q20/385
摘要： An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network.
摘要翻译：公开了一种使用付款人设备读取机器可读的付款代码的电子金融交易安排，其中可以由付费代码提供商对特定交易的交易详情进行编码。机器可读的支付代码可以通过声音刺激或者作为基于语音或基于人的姿势动作的结果而被分配给支付者设备。付款人设备的用户还可以通过读取对显示器唯一的唯一机器可读代码来间接控制显示器来参与金融交易。用于特定交易的额外交易细节可以通过近场通信在付款人设备中被接收，或者在建立了到移动网络的连接时的稍后时间被访问。

4. 发明申请

WO2013067282A1 RECEIPT PROCESSING AND ACCESS SERVICE 审中-公开
标题翻译：接收处理和访问服务
公开(公告)号：WO2013067282A1
公开(公告)日：2013-05-10
申请号：PCT/US2012/063206
申请日：2012-11-02
申请人： MASTERCARD INTERNATIONAL, INC. , PHILLIPS, Simon , ANDERSON, James, L. , CUMMINS, Oran
发明人： PHILLIPS, Simon , ANDERSON, James, L. , CUMMINS, Oran
IPC分类号： G07G1/14
CPC分类号： G07G5/00 , G06Q20/0453 , G06Q20/327 , G06Q20/401
摘要： A method including receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service; determining, in reply to the query request, whether the PAN is registered with the electronic receipt service; determining an electronic receipt handling option associated with the PAN; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the PAN of the query request is to be sent.
摘要翻译：一种方法，包括：接收具有电子收据服务的支付帐号（PAN）的注册状态的查询请求; 响应所述查询请求确定所述PAN是否已经向所述电子收据服务注册; 确定与所述PAN相关联的电子收据处理选项; 并且发送包括至少电子收据目的地地址的响应，所述电子收据目的地地址是与所述查询请求的PAN相关联的电子收据要被发送到的地址。

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