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1. 发明公开

EP1834275A4 METHOD AND SYSTEM FOR DETERMINING HEALTHCARE ELIGIBILITY 审中-公开
标题翻译：方法和系统，用于确定权利保健
公开(公告)号：EP1834275A4
公开(公告)日：2010-02-03
申请号：EP06717481
申请日：2006-01-04
申请人： PATTERSON BARBARA , POURFALLAH STACY , PRUITT JANET , NGUYEN LOC
发明人： PATTERSON BARBARA , POURFALLAH STACY , PRUITT JANET , NGUYEN LOC
IPC分类号： G06Q40/00
CPC分类号： G06F19/328 , G06Q40/08 , G06Q50/22
摘要： A method for determining healthcare insurance coverage eligibility is disclosed. The method includes receiving patient information at a terminal operated by a healthcare provider. An eligibility authorization request message is created, and is sent to an acquirer processor, where the acquirer processor sends the eligibility authorization request message to a transaction processing system, which routes the eligibility authorization request message to a healthcare processor. A response message is then received.

2. 发明公开

EP1834275A2 METHOD AND SYSTEM FOR DETERMINING HEALTHCARE ELIGIBILITY 审中-公开
标题翻译：方法和系统，用于确定权利保健
公开(公告)号：EP1834275A2
公开(公告)日：2007-09-19
申请号：EP06717481.3
申请日：2006-01-04
申请人： Patterson, Barbara , Pourfallah, Stacy , Pruitt, Janet , Nguyen, Loc
发明人： Patterson, Barbara , Pourfallah, Stacy , Pruitt, Janet , Nguyen, Loc
IPC分类号： G06K1/00
CPC分类号： G06F19/328 , G06F19/00 , G06Q40/08 , G06Q50/22
摘要： A method for determining healthcare insurance coverage eligibility is disclosed. The method includes receiving patient information at a terminal operated by a healthcare provider. An eligibility authorization request message is created, and is sent to an acquirer processor, where the acquirer processor sends the eligibility authorization request message to a transaction processing system, which routes the eligibility authorization request message to a healthcare processor. A response message is then received.

3. 发明专利

AU2006203967A1 Method and system for determining healthcare eligibility 未知
公开(公告)号：AU2006203967A1
公开(公告)日：2006-07-13
申请号：AU2006203967
申请日：2006-01-04
申请人： PATTERSON BARBARA , POURFALLAH STACY , PRUITT JANET , NGUYEN LOC
发明人： PATTERSON BARBARA , NGUYEN LOC , POURFALLAH STACY , PRUITT JANET
IPC分类号： G06Q40/00

4. 发明申请

WO2012162634A1 LOYALTY PROMOTION APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译： LOYALTY PROMOTION APPARATUSES，METHODS AND SYSTEMS
公开(公告)号：WO2012162634A1
公开(公告)日：2012-11-29
申请号：PCT/US2012/039638
申请日：2012-05-25
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , TAYLOR, Mary Theresa , CERVENKA, Karen L. , MAHADKAR, Shilpak , PATTERSON, Barbara Elizabeth
发明人： TAYLOR, Mary Theresa , CERVENKA, Karen L. , MAHADKAR, Shilpak , PATTERSON, Barbara Elizabeth
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q20/12 , G06Q20/387 , G06Q30/0211 , G06Q30/0236 , G06Q30/0238 , G06Q30/04
摘要： The LOYALTY PROMOTION APPARATUSES, METHODS AND SYSTEMS ("L-PROMO") transforms consumer credentials, consumer opt-in activities, and, merchant campaign setup inputs via L-PROMO components into a financial transaction and offer redemption outputs. In one implementation, a method is disclosed, comprising: receiving consumer indentifying information from a consumer electronic wallet vehicle; receiving merchant information and a proposed transaction from a merchant terminal; initiating consumer payment by sending a payment approval to an electronic wallet account; receiving a request to apply a promotional offer; determining consumer eligibility to apply the promotional offer to the proposed transaction; applying the promotional offer to the proposed transaction by returning credits to the consumer based on terms of the promotional offer; sending transaction details to the consumer; and sending a message to a social network indicating the transaction on the consumer's social media page.
摘要翻译： LOYALTY促销设备，方法和系统（“L-PROMO”）将消费者凭证，消费者选择加入活动以及通过L-PROMO组件进行的商业活动设置输入转换为金融交易并提供兑换产出。在一个实现中，公开了一种方法，包括：从消费者电子钱包车辆接收消费者识别信息; 从商家终端接收商家信息和建议的交易; 通过向电子钱包帐户发送支付许可来启动消费者支付; 收到申请促销优惠的请求; 确定消费者有权将该促销优惠应用于拟议交易; 根据促销优惠条件，向促销商回馈信贷，将促销优惠应用于建议交易; 向消费者发送交易详情; 以及向社交网络发送消息，指示消费者的社交媒体页面上的交易。

5. 发明申请

WO2010068466A2 PROMOTIONAL ITEM IDENTIFICATION IN PROCESSING OF AN ACQUIRED TRANSACTION ON AN ISSUED ACCOUNT 审中-公开
标题翻译：在发出的帐户上处理交易中的促销项目标识
公开(公告)号：WO2010068466A2
公开(公告)日：2010-06-17
申请号：PCT/US2009065810
申请日：2009-11-24
申请人： VISA USA INC , TAYLOR MARY THERESA , CERVENKA KAREN L , MAHADKAR SHILPAK , PATTERSON BARBARA ELIZABETH
发明人： TAYLOR MARY THERESA , CERVENKA KAREN L , MAHADKAR SHILPAK , PATTERSON BARBARA ELIZABETH
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/12 , G06Q20/40 , G06Q30/02 , G06Q30/0238
摘要： Disclosed methods enable an open loop system processing of private label and co-branded account transactions. Implementations in the open loop system employ communications directly between a merchant and an issuer offering promotional financing for a promotional item being purchased from the merchant. Other implementations in the open loop system enable different transaction amounts in an authorization request message and its corresponding authorization response as are respectively sent and received by a merchant, where the different can be for a promotion offered to an account holder for conducting a transaction on an account with the merchant.
摘要翻译：公开的方法使得开环系统处理私有标签和共同品牌的帐户交易。开环系统中的实施在商家和发行商之间直接采用通信，为从商家购买的促销品提供促销融资。开环系统中的其他实现使授权请求消息中的不同交易量及其对应的授权响应分别由商家发送和接收，其中不同的交易量可以用于提供给账户持有者进行交易的促销与商家账户

6. 发明申请

WO2009035967A3 HOST CAPTURE 审中-公开
标题翻译：主机捕获
公开(公告)号：WO2009035967A3
公开(公告)日：2010-01-14
申请号：PCT/US2008075694
申请日：2008-09-09
申请人： VISA USA INC , PATTERSON BARBARA
发明人： PATTERSON BARBARA
IPC分类号： G06Q20/00
CPC分类号： G06Q20/401 , G06Q20/108 , G06Q20/385 , G06Q20/40 , G06Q30/06 , G06Q40/00
摘要： A system and method for processing transactions. A unique transaction identifier is generated for each transaction. Processing of the transaction utilizes the unique transaction identifier.
摘要翻译：一种用于处理交易的系统和方法。为每个事务生成唯一的事务标识符。交易的处理利用唯一的交易标识符。

7. 发明申请

WO2007030480A3 SYSTEM AND METHOD FOR SECURED ACCOUNT NUMBERS IN PROXIMITY DEVICES 审中-公开
标题翻译：系统和方法用于接近设备中的安全帐户号码
公开(公告)号：WO2007030480A3
公开(公告)日：2007-06-21
申请号：PCT/US2006034612
申请日：2006-09-05
申请人： VISA USA INC , VISA INT SERVICE ASS , GAUTHIER PATRICK , MAW BRIAN , FAITH PATRICK , PATTERSON BARBARA
发明人： GAUTHIER PATRICK , MAW BRIAN , FAITH PATRICK , PATTERSON BARBARA
IPC分类号： G06K5/00 , G06Q20/34 , G06K19/06 , G06Q20/40
CPC分类号： G06Q20/385 , G06Q20/204 , G06Q20/24 , G06Q20/327 , G06Q20/352 , G06Q20/40 , G06Q40/02
摘要： A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.
摘要翻译：公开了一种用于使用安全账号来处理与便携式消费者邻近设备相关联的无线金融交易的邻近类型的方法和系统。在一个实施例中，该方法包括接收无线金融交易请求的接近类型以及来自便携式邻近消费者设备（例如非接触式智能卡）的安全帐号，将安全帐号转换为用户的真实帐号，以及发送金融交易请求连同用户的真实账号一起发送给用户真实账号的发行者以进行授权和处理。

8. 发明申请

WO2011109517A2 MESSAGING INCLUDING VALUE ACCOUNT CONVERSION 审中-公开
标题翻译：包括价值账户转换的消息
公开(公告)号：WO2011109517A2
公开(公告)日：2011-09-09
申请号：PCT/US2011026868
申请日：2011-03-02
申请人： VISA INT SERVICE ASS , PATTERSON BARBARA E , POWELL GLENN LEON , SACHS JEFFREY MORRIS
发明人： PATTERSON BARBARA E , POWELL GLENN LEON , SACHS JEFFREY MORRIS
CPC分类号： G06Q20/20 , G06Q20/042 , G06Q20/202 , G06Q20/204 , G06Q20/385 , G06Q20/40 , G06Q40/02 , G07F7/08
摘要： A system, method, and computer-readable storage medium configured to facilitate, for example, point-of-sale check approval in real-time. The system converts a demand type payment transaction into a payment card transaction. A cardholder database contains a cardholder record. The cardholder record includes a demand account and payment card information of a cardholder. A network interface receives point-of-service transaction data. A transaction processor correlates the user with the cardholder record, and generates an authorization request message which is sent to an issuer for approval.
摘要翻译：被配置为实时地促进例如销售点检查批准的系统，方法和计算机可读存储介质。系统将需求类型支付交易转换成支付卡交易。持卡人数据库包含持卡人记录。持卡人记录包括持卡人的需求账户和支付卡信息。网络接口接收服务点交易数据。交易处理器将用户与持卡人记录相关联，并且生成授权请求消息，该消息被发送给发行者以供批准。

9. 发明申请

WO2010135157A3 RECURRING TRANSACTION PROCESSING 审中-公开
标题翻译：重新交易处理
公开(公告)号：WO2010135157A3
公开(公告)日：2011-02-17
申请号：PCT/US2010034775
申请日：2010-05-13
申请人： VISA INT SERVICE ASS , PATTERSON BARBARA , ROWBERRY DONALD L
发明人： PATTERSON BARBARA , ROWBERRY DONALD L
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/3223 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/26 , G06Q20/40 , G06Q20/405 , G06Q30/02 , G06Q40/00 , G06Q40/12 , H04L63/102
摘要： Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.
摘要翻译：提供了用于处理经常性付款的技术，当消费者被发布用于支付卡等的新帐号时，不要求商家更新消费者帐户信息。例如，当消费者由发行人发行新的帐号时，新的帐号可以被提供给支付处理网络。然后，支付处理网络中的服务器计算机识别与用户的旧帐号相关联的任何定期付款，并向消费者提供消费者已经建立了与旧帐号相关联的经常性支付的商家列表。然后，消费者有机会选择那些消费者希望使用新帐号继续经常性付款的商家。然后，支付处理网络在由消费者指定的商家的旧帐号和新帐号之间建立映射，并且继续使用旧的帐户信息处理从指定的商家收到的定期付款授权请求。因此，商家不需要对商家维护的消费者帐户信息进行更新，并且向消费者提供容易地选择哪些商家可以使用旧帐号继续处理定期付款的能力。

10. 发明申请

WO2010087963A1 VARIABLE VOLUME CONTAINMENT FOR ENERGY STORAGE DEVICES 审中-公开
标题翻译：用于能源储存装置的可变容量
公开(公告)号：WO2010087963A1
公开(公告)日：2010-08-05
申请号：PCT/US2010/000235
申请日：2010-01-27
申请人： G4 SYNERGETICS, INC. , WEST, Jon Kenneth , HIGGINS, Martin Patrick , REGALADO, Julius , GEORGE, Anthony , ZHOU, Xin , CITTA, Nelson , CITTA, Myles , MICHAEL, Allen , CHERISOL, Kenneth , WEST, Daniel J. , PATTERSON, Barbara
发明人： WEST, Jon Kenneth , HIGGINS, Martin Patrick , REGALADO, Julius , GEORGE, Anthony , ZHOU, Xin , CITTA, Nelson , CITTA, Myles , MICHAEL, Allen , CHERISOL, Kenneth , WEST, Daniel J. , PATTERSON, Barbara
IPC分类号： H01M2/08 , H01M2/18 , H01M6/48 , H01M10/04
CPC分类号： H01M10/4214 , H01M2/06 , H01M2/08 , H01M2/18 , H01M4/70 , H01M6/48 , H01M8/02 , H01M8/04 , H01M10/0413 , H01M10/0418 , H01M10/044 , H01M10/045 , H01M10/0468 , H01M10/0477 , H01M10/28 , H01M10/282 , H01M10/286 , H01M10/4235 , H01M2004/029 , Y02E60/124
摘要： A stacked energy storage device (ESD) has at least two cell segments arranged in a stack. Each cell segment may have a first electrode unit having a first active material electrode, a second electrode unit having a second active material electrode, and an electrolyte layer between the active material electrodes. Variable volume containment may be used to control the inter-electrode spacing within each cell segment. In some embodiments, one or more dynamic flexible gaskets may be included in each cell segment to seal the electrolyte within the cell segment and to deform in preferred directions. In some embodiments, hard stops may set the inter-electrode spacing of the ESD.
摘要翻译：堆叠式储能装置（ESD）具有排列成堆叠的至少两个单元区段。每个单元段可以具有第一电极单元，其具有第一活性物质电极，第二电极单元，具有第二活性物质电极，以及在活性物质电极之间的电解质层。可以使用可变体积容纳物来控制每个细胞区段内的电极间间隔。在一些实施例中，每个细胞区段中可以包括一个或多个动态柔性垫圈以密封细胞区段内的电解质并在优选的方向上变形。在一些实施例中，硬停止可以设置ESD的电极间间隔。

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