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1. 发明申请

WO2006122298A2 ANTI-FRAUD PRESENTATION INSTRUMENTS, SYSTEMS AND METHODS 审中-公开
标题翻译：反欺诈演示文书，系统和方法
公开(公告)号：WO2006122298A2
公开(公告)日：2006-11-16
申请号：PCT/US2006/018396
申请日：2006-05-11
申请人： FIRST DATA CORPORATION , HARTE, Kevin , MCGEE, Christopher, R. , NEWBROUGH, Keith, A. , JENNINGS, Kenneth, E.
发明人： MCGEE, Christopher, R. , NEWBROUGH, Keith, A. , JENNINGS, Kenneth, E.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/06 , G06Q20/0855 , G06Q20/102 , G06Q20/20 , G06Q20/28 , G06Q20/342 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q30/02 , G06Q30/06 , G07F7/025 , H04L9/32 , H04L2209/56 , H04L2209/805
摘要： The invention provides improved security for stored-value instruments. For example, a point-of-sale device may receive a request to process a transaction (such as an activation, redemption, funds recharge, etc.) with a presentation instrument. The point-of-sale device may receive a first identifier associated with the instrument. Merely by way of example, the first identifier may be encoded on a magnetic stripe disposed on the instrument, and receiving the first identifier may comprise swiping the magnetic stripe through a reader in communication with the point-of-sale device. The point-of-sale device may also receive a second identifier associated with the instrument. In some embodiments, the first and second identifiers may be correlated, e.g., to determine whether they are consistent. Merely by way of example, the second identifier may be derived from the first identifier in a specified manner, and the correlation of the first and second identifiers may comprise determining that the second identifier comprises the properly derived information. If the first and second identifiers are successfully correlated, the transaction may be performed.
摘要翻译：本发明为储值仪器提供了改进的安全性。例如，销售点设备可以使用呈现工具接收处理交易的请求（例如激活，兑换，资金充值等）。销售点设备可以接收与该仪器相关联的第一标识符。仅作为示例，第一标识符可以编码在设置在仪器上的磁条上，并且接收第一标识符可以包括通过与销售点设备通信的读取器来扫描磁条。销售点设备还可以接收与该仪器相关联的第二标识符。在一些实施例中，第一和第二标识符可以相关联，例如以确定它们是否一致。仅作为示例，可以以指定的方式从第一标识符导出第二标识符，并且第一和第二标识符的相关性可以包括确定第二标识符包括适当导出的信息。如果第一和第二标识符被成功地相关联，则可以执行事务。

2. 发明申请

WO2007146751A2 TRANSACTION INSTRUMENTS WITH ENHANCED SECURITY PIN AND EXPIRATION DATE GENERATION 审中-公开
标题翻译：具有增强安全密码和过期日期生成的交易仪器
公开(公告)号：WO2007146751A2
公开(公告)日：2007-12-21
申请号：PCT/US2007070642
申请日：2007-06-07
申请人： FIRST DATA CORP , NEWBROUGH KEITH
发明人： NEWBROUGH KEITH
IPC分类号： G06K5/00
CPC分类号： G07F7/10 , G06Q20/347 , G07F7/1008 , G07F7/1025 , G07F7/1075
摘要： The present invention generally relates to transaction instruments with enhanced expiration date and/or security personal identification number (PIN) generation. The enhanced security PIN generation may be usefully in connection with account information associated with the transaction instrument to verify and/or authenticate the transaction instrument. In certain aspects, the security PIN may be used in connection with account information associated with the transaction information to authenticate the transaction instrument via a synchronization-based authentication process or similar process. By way of example, the account information may be used as a static identifier to indicate identity of the transaction instrument, and the security PIN may be used to authenticate the identity of the transaction instrument.
摘要翻译：本发明一般涉及具有增强的到期日期和/或安全个人识别号码（PIN）生成的交易工具。增强的安全PIN生成可以有用地与与交易工具相关联的帐户信息结合以验证和/或验证交易工具。在某些方面，安全PIN可以结合与交易信息相关联的账户信息来使用，以经由基于同步的认证过程或类似过程来认证交易工具。作为示例，帐户信息可以用作静态标识符来指示交易工具的身份，并且可以使用安全PIN来认证交易工具的身份。

3. 发明申请

WO2005033864A2 ACTIVATING TELEPHONE-BASED SERVICES USING A POS DEVICE 审中-公开
标题翻译：使用POS设备来激活基于电话的服务
公开(公告)号：WO2005033864A2
公开(公告)日：2005-04-14
申请号：PCT/US2004/031612
申请日：2004-09-23
申请人： FIRST DATA CORPORATION , MCGEE, Christopher, R. , ARTHUR, Steven, E. , NEWBROUGH, Keith, A.
发明人： MCGEE, Christopher, R. , ARTHUR, Steven, E. , NEWBROUGH, Keith, A.
IPC分类号： G06F
CPC分类号： G06Q20/305 , G06Q20/04 , G06Q20/20 , H04M3/42161 , H04M3/493
摘要： A method of providing telephone response unit (TRU)-based services includes receiving from a point-of-sale (POS) device a request at a host computer system to activate TRU-based services. The request includes an identifier that indicates the specific TRU-based services to be activated. The method also includes confirming the availability of the specific TRU-based services to be activated and storing at the host computer system information that indicates the services are activated. The method also includes returning a message to the POS that indicates that the TRU-based services have been activated.
摘要翻译：提供基于电话响应单元（TRU）的服务的方法包括从销售点（POS）设备接收主机计算机系统上的激活基于TRU的服务的请求。该请求包括指示要激活的特定基于TRU的服务的标识符。该方法还包括确认要激活的特定基于TRU的服务的可用性并且在主计算机系统上存储指示服务被激活的信息。该方法还包括向POS返回指示基于TRU的服务已被激活的消息。

4. 发明申请

WO2007103945A3 PRESENTATION AND TRANSACTION INSTRUMENTS WITH IMAGE DISPLAY 审中-公开
标题翻译：具有图像显示的演示和交易仪器
公开(公告)号：WO2007103945A3
公开(公告)日：2008-02-28
申请号：PCT/US2007063424
申请日：2007-03-06
申请人： FIRST DATA CORP , ALGIENE KEN , NEWBROUGH KEITH
发明人： ALGIENE KEN , NEWBROUGH KEITH
IPC分类号： G06Q40/00 , G06K5/00 , G06K19/00 , G06K19/06 , G07D11/00 , G07F19/00
CPC分类号： G06K19/077 , G06K19/07703
摘要： The present invention generally relates to presentation and transaction cards with graphic image display, which may generally be dynamically modified or personalized following manufacture of the presentation or transaction card body. By way of example, the graphic images may be, e.g., digital image or photo files that may be electronically displayed on a surface of the presentation or transaction instrument for, e.g., promotional, advertising, security, and/or entertainment purposes. Methods for modifying or personalizing the appearance of a presentation or transaction instrument of the invention are also provided.
摘要翻译：本发明一般涉及具有图形图像显示的呈现和交易卡，其通常可以在呈现或交易卡主体的制造之后被动态修改或个性化。作为示例，图形图像可以是例如可以电子地显示在呈现或交易工具的表面上的例如促销，广告，安全和/或娱乐目的的数字图像或照片文件。还提供了用于修改或个性化本发明的呈现或交易工具的外观的方法。

5. 发明申请

WO2006122298A3 ANTI-FRAUD PRESENTATION INSTRUMENTS, SYSTEMS AND METHODS 审中-公开
标题翻译：反欺诈演示文书，系统和方法
公开(公告)号：WO2006122298A3
公开(公告)日：2007-10-11
申请号：PCT/US2006018396
申请日：2006-05-11
申请人： FIRST DATA CORP , HARTE KEVIN , MCGEE CHRISTOPHER R , NEWBROUGH KEITH A , JENNINGS KENNETH E
发明人： MCGEE CHRISTOPHER R , NEWBROUGH KEITH A , JENNINGS KENNETH E
IPC分类号： G06Q99/00 , G06Q20/00
CPC分类号： G06Q20/06 , G06Q20/0855 , G06Q20/102 , G06Q20/20 , G06Q20/28 , G06Q20/342 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q30/02 , G06Q30/06 , G07F7/025 , H04L9/32 , H04L2209/56 , H04L2209/805
摘要： The invention provides improved security for stored-value instruments. For example, a point-of-sale device may receive a request to process a transaction (such as an activation, redemption, funds recharge, etc.) with a presentation instrument. The point-of-sale device may receive a first identifier associated with the instrument. Merely by way of example, the first identifier may be encoded on a magnetic stripe disposed on the instrument, and receiving the first identifier may comprise swiping the magnetic stripe through a reader in communication with the point-of-sale device. The point-of-sale device may also receive a second identifier associated with the instrument. In some embodiments, the first and second identifiers may be correlated, e.g., to determine whether they are consistent. Merely by way of example, the second identifier may be derived from the first identifier in a specified manner, and the correlation of the first and second identifiers may comprise determining that the second identifier comprises the properly derived information. If the first and second identifiers are successfully correlated, the transaction may be performed.
摘要翻译：本发明为储值仪器提供了改进的安全性。例如，销售点设备可以使用呈现工具接收处理交易的请求（例如激活，兑换，资金充值等）。销售点设备可以接收与该仪器相关联的第一标识符。仅作为示例，第一标识符可以编码在设置在仪器上的磁条上，并且接收第一标识符可以包括通过与销售点设备通信的读取器来扫描磁条。销售点设备还可以接收与该仪器相关联的第二标识符。在一些实施例中，第一和第二标识符可以相关联，例如以确定它们是否一致。仅作为示例，可以以指定的方式从第一标识符导出第二标识符，并且第一和第二标识符的相关性可以包括确定第二标识符包括适当导出的信息。如果第一和第二标识符被成功地相关联，则可以执行事务。

6. 发明申请

WO2006122300A2 SECURITY SYSTEMS FOR A PAYMENT INSTRUMENT 审中-公开
标题翻译：付款仪器的安全系统
公开(公告)号：WO2006122300A2
公开(公告)日：2006-11-16
申请号：PCT/US2006/018400
申请日：2006-05-11
申请人： FIRST DATA CORPORATION , JENNINGS, Kenneth, E. , NEWBROUGH, Keith
发明人： JENNINGS, Kenneth, E. , NEWBROUGH, Keith
IPC分类号： G06K5/00 , G06Q40/00 , G06Q99/00 , H04L9/00 , H04K1/00
CPC分类号： G06Q30/06 , G06Q20/102 , G06Q20/28 , G06Q20/349 , G06Q20/354 , G06Q20/3558 , G06Q20/382
摘要： The invention provides improved security for stored-value instruments. For example, an instrument-authority system may receive a first identifier for an instrument and may thereupon authenticate the instrument, but the system may wait before activating the instrument, such that the instrument may be unusable for a period of time to allow for cancellation of activation if payment is not received for the stored-value instrument.
摘要翻译：本发明为储值仪器提供了改进的安全性。例如，仪器管理系统可以接收仪器的第一标识符，然后可以对仪器进行认证，但是系统可以在激活仪器之前等待，使得仪器可能不能使用一段时间以允许取消如果没有收到存值仪器的付款，则激活。

7. 发明申请

WO2006116431A3 TAMPER RESISTANT PRESENTATION INSTRUMENTS AND METHODS 审中-公开
公开(公告)号：WO2006116431A3
公开(公告)日：2006-11-02
申请号：PCT/US2006/015684
申请日：2006-04-24
申请人： FIRST DATA CORPORATION , MCGEE, Christopher, R. , NEWBROUGH, Keith, A. , HARTE, Kevin
发明人： MCGEE, Christopher, R. , NEWBROUGH, Keith, A. , HARTE, Kevin
IPC分类号： G06K5/00
摘要： In one embodiment, a presentation instrument comprises a card body having machine readable information stored thereon. A protective device is coupled to the card body so as to be disposed over at least a portion of the machine readable information such that the machine readable information is incapable of being read by a machine when the protective device is in place and the machine readable information is readable by a machine when the protective device is removed.

8. 发明申请

WO2006116431A2 TAMPER RESISTANT PRESENTATION INSTRUMENTS AND METHODS 审中-公开
标题翻译：阻尼器介绍仪器和方法
公开(公告)号：WO2006116431A2
公开(公告)日：2006-11-02
申请号：PCT/US2006015684
申请日：2006-04-24
申请人： FIRST DATA CORP , MCGEE CHRISTOPHER R , NEWBROUGH KEITH A , HARTE KEVIN
发明人： MCGEE CHRISTOPHER R , NEWBROUGH KEITH A , HARTE KEVIN
IPC分类号： G06K19/06 , G06K5/00
CPC分类号： G06K19/06187
摘要： In one embodiment, a presentation instrument comprises a card body having machine readable information stored thereon. A protective device is coupled to the card body so as to be disposed over at least a portion of the machine readable information such that the machine readable information is incapable of being read by a machine when the protective device is in place and the machine readable information is readable by a machine when the protective device is removed.
摘要翻译：在一个实施例中，呈现工具包括其上存储有机器可读信息的卡体。保护装置耦合到卡体，以便设置在机器可读信息的至少一部分上，使得当保护装置就位时机器可读信息不能被机器读取，并且机器可读信息当保护装置拆下时，机器可以读取。

9. 发明申请

WO2009154950A3 SYSTEMS AND METHODS OF PAYMENT ACCOUNT ACTIVATION 审中-公开
标题翻译：付款帐户激活的系统和方法
公开(公告)号：WO2009154950A3
公开(公告)日：2010-02-25
申请号：PCT/US2009045042
申请日：2009-05-22
申请人： FIRST DATA CORP , NEWBROUGH KEITH A
发明人： NEWBROUGH KEITH A
IPC分类号： G06Q40/00 , G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/354 , G06Q20/18 , G06Q20/204 , G06Q20/355 , G06Q20/367 , G06Q20/3678 , G06Q20/38 , G06Q40/00 , G07F7/02
摘要： Systems and methods are provided for activating a payment account. The payment account is associated with two identifiers. A payment instrument is provided as having the two identifiers. A first identifier is read at a first point of sale device to activate the payment account. A second identifier is read by a radio frequency identification reader at a second point of sale device to access funds in the payment account. The first point of sale device may not be capable of reading the second identifier.
摘要翻译：提供系统和方法来激活支付帐户。付款帐户与两个标识符相关联。提供付款工具具有两个标识符。在第一销售点设备读取第一标识符以激活支付账户。第二标识符由射频识别读取器在第二销售点设备读取以访问支付账户中的资金。第一个销售点设备可能无法读取第二个标识符。

10. 发明申请

WO2009032900A1 DATA ELEMENT SPECIFIC TRANSACTION ROUTING 审中-公开
标题翻译：数据元素特定交易路由
公开(公告)号：WO2009032900A1
公开(公告)日：2009-03-12
申请号：PCT/US2008/075215
申请日：2008-09-04
申请人： FIRST DATA CORPORATION , ROBBINS, Peter , NEWBROUGH, Keith
发明人： ROBBINS, Peter , NEWBROUGH, Keith
IPC分类号： G06Q20/00
CPC分类号： G06Q20/10
摘要： Systems and methods for determining a least cost transaction scheme for a merchant is provided according to one embodiment of the invention. The least cost transaction scheme may be determined at a point of sale device or at a host computer system that communicates with a point of sale device. The least cost transaction scheme may depend on a standard industrial classification (SIC) code associated with the merchant and a transaction amount. In one embodiment the transaction amount and merchant ID is sent to a host computer system. Based on the merchant ID and the transaction amount the host computer system determines a fees for a plurality of transaction schemes. From the plurality of transaction schemes, a least cost transaction scheme is selected and a user is prompted to use the least cost transaction scheme to tender the transaction.
摘要翻译：根据本发明的一个实施例提供了用于确定商家的最小成本交易方案的系统和方法。最小成本交易方案可以在销售点设备点或与销售点设备通信的主机系统中确定。最小成本交易方案可以取决于与商家相关联的标准工业分类（SIC）代码和交易金额。在一个实施例中，交易量和商家ID被发送到主计算机系统。基于商家ID和交易金额，主计算机系统确定多个交易方案的费用。从多个交易方案中，选择最小成本交易方案，并且提示用户使用最低成本交易方案来投标交易。

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