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1. 发明申请

WO2006081525A3 SYSTEM AND METHOD FOR CONVERSION BETWEEN INTERNET AND NON-INTERNET BASE TRANSACTIONS 审中-公开
公开(公告)号：WO2006081525A3
公开(公告)日：2006-08-03
申请号：PCT/US2006/003137
申请日：2006-01-27
申请人： CARDINAL COMMERCE CORPORATION , BALSASUBRAMANIAN, Chandra , SHERWIN, Francis , KERESMAN, Michael
发明人： BALSASUBRAMANIAN, Chandra , SHERWIN, Francis , KERESMAN, Michael
IPC分类号： G06Q99/00
摘要： A system and/or method to bridge non-Internet based transactions to the Internet to take advantage of authentication programs prescribed by various payment networks for Internet transaction. In this manner, the infrastructure, systems, methods and/or protocols already in place and/or implemented for Internet based transactions can be leveraged to accommodate non-Internet based transactions. Suitably, the system and/or methods are channel agnostic, protocol agnostic and device agnostic. The non-Internet based side of the transaction may be carried out from a variety of different types of end user devices, employing a variety of different communications protocols over a variety of different communication platforms or transmission channels.

2. 发明申请

WO2013041970A2 OPEN WALLET FOR ELECTRONIC TRANSACTIONS 审中-公开
标题翻译：电子交易开放电子钱包
公开(公告)号：WO2013041970A2
公开(公告)日：2013-03-28
申请号：PCT/IB2012/002386
申请日：2012-11-16
申请人： CARDINAL COMMERCE CORPORATION , SHERWIN, Francis, M.
发明人： SHERWIN, Francis, M.
IPC分类号： G06Q40/02 , G06Q20/32
CPC分类号： G06Q20/36 , G06Q20/322
摘要： A system for completing a transaction between a first party and a second party is provided. The system includes at least one processor programmed to receive a request for personal data to complete the transaction from the second party using an open commerce wallet exchange (OCWE) protocol. The processor is further programmed to receive a selection of one of one or more banking applications and/or wallets associated with the system from the first user. The one or more banking applications and/or wallets include the personal data or access to the personal data. The processor is further programmed to receive the personal data from the selected banking application and/or wallet and provide the merchant with the personal data using the OCWE protocol to complete the transaction.
摘要翻译：提供了用于完成第一方和第二方之间的交易的系统。系统包括至少一个处理器，其被编程为接收个人数据的请求，以使用开放的商务钱包交换（OCWE）协议从第二方完成交易。处理器还被编程为从第一用户接收与系统相关联的一个或多个银行应用和/或钱包中的一个的选择。一个或多个银行应用程序和/或钱包包括个人数据或访问个人数据。处理器还被编程为从所选择的银行应用程序和/或钱包接收个人数据，并使用OCWE协议向商家提供个人数据以完成交易。

3. 发明申请

WO2009132339A3 UNIVERSAL PAYMENTS DASHBOARD 审中-公开
标题翻译：通用付款板
公开(公告)号：WO2009132339A3
公开(公告)日：2010-01-07
申请号：PCT/US2009041804
申请日：2009-04-27
申请人： CARDINALCOMMERCE CORP , KERESMAN MICHAEL A , SHERWIN FRANCIS , BALASUBRAMANIAN CHANDRA
发明人： KERESMAN MICHAEL A , SHERWIN FRANCIS , BALASUBRAMANIAN CHANDRA
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/227 , G06Q30/06 , G06Q30/0601 , G07F19/206
摘要： A universal payments dashboard system provides eCommerce merchants with an easy to integrate web page (inline frame) that displays all alternative payment button options that consumers can use on the merchant website(s) to pay for the purchase. Such merchants can display the dashboard on their shopping cart page(s) and on their checkout page(s) at the point where users select the payment option. The dashboard communicates with a payment dashboard provider to complete the payment for the transaction, including any consumer interaction such as entering checking account information, personal details, etc. Upon completing the payment for the order, the dashboard provides the merchant with the completed order information (e.g., a prepaid order) along with all the payment information. The dashboard supports all alternative payment options, payment transaction notifications to enable single cash register functionality and work in conjunction with alternative payment initiatives.
摘要翻译：通用付款信息中心系统为电子商务商家提供了一个易于整合的网页（内嵌框架），可以显示消费者可以在商家网站上使用的所有其他支付按钮选项，以支付购买费用。这样的商家可以在他们的购物车页面和他们的结帐页面上显示仪表板，用户选择付款选项。仪表板与支付信息中心提供商通信，以完成交易的付款，包括任何消费者互动，如输入支票帐户信息，个人信息等。在完成订单支付后，仪表板向商家提供已完成的订单信息（例如，预付费单）以及所有付款信息。仪表板支持所有其他支付选项，付款交易通知，以实现单一收银机功能，并与替代支付计划结合使用。

4. 发明申请

WO2013041970A3 OPEN WALLET FOR ELECTRONIC TRANSACTIONS 审中-公开
标题翻译：电子交易的开放钱包
公开(公告)号：WO2013041970A3
公开(公告)日：2013-07-18
申请号：PCT/IB2012002386
申请日：2012-11-16
申请人： CARDINAL COMMERCE CORP , SHERWIN FRANCIS M
发明人： SHERWIN FRANCIS M
IPC分类号： G06Q40/02 , G06Q20/32
CPC分类号： G06Q20/36 , G06Q20/322
摘要： A system for completing a transaction between a first party and a second party is provided. The system includes at least one processor programmed to receive a request for personal data to complete the transaction from the second party using an open commerce wallet exchange (OCWE) protocol. The processor is further programmed to receive a selection of one of one or more banking applications and/or wallets associated with the system from the first user. The one or more banking applications and/or wallets include the personal data or access to the personal data. The processor is further programmed to receive the personal data from the selected banking application and/or wallet and provide the merchant with the personal data using the OCWE protocol to complete the transaction.
摘要翻译：提供了完成第一方与第二方之间交易的系统。该系统包括至少一个处理器，该处理器被编程为接收用于使用开放商务钱包交换（OCWE）协议从第二方完成交易的个人数据的请求。处理器被进一步编程为从第一用户接收对与系统相关联的一个或多个银行业务应用程序和/或钱包中的一个的选择。一个或多个银行业务应用程序和/或钱包包括个人数据或对个人数据的访问。处理器被进一步编程为从所选择的银行应用程序和/或钱包接收个人数据，并使用OCWE协议向商家提供个人数据以完成交易。

5. 发明申请

WO2007014187A2 METHOD AND/OR SYSTEM FOR EXTENDING PAYMENT SYSTEM ARCHITECTURES AND/OR LEGACY ORDER PROCESSING SYSTEMS TO MOBILE COMMERCE APPLICATIONS VIA TEXT MESSAGING 审中-公开
标题翻译：用于扩展付款系统架构和/或交易订单处理系统的方法和/或系统通过文本消息传递到移动商务应用程序
公开(公告)号：WO2007014187A2
公开(公告)日：2007-02-01
申请号：PCT/US2006/028766
申请日：2006-07-25
申请人： CARDINALCOMMERCE CORPORATION , SHERWIN, Francis , BALASUBRAMANIAN, Chandra
发明人： SHERWIN, Francis , BALASUBRAMANIAN, Chandra
IPC分类号： G06Q30/00
CPC分类号： G06Q20/3255 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q30/06 , G06Q30/0601 , G06Q30/0609 , G06Q30/0613 , G06Q30/0633 , H04L51/18 , H04L51/38 , H04L2463/102
摘要： A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an order management system of the merchant.
摘要翻译：文本消息订单处理系统包括：用于从消费者接收来自一个或多个商家的产品的文本消息的装置，每个文本消息被寻址到由消费者选择的地址，并且包括正在购买的商品的标识和发送短信的设备; 用于解析每个文本消息以从文本按摩中提取产品的标识和设备的识别的装置; 用于基于每个接收到的文本消息选择要用于支付购买的支付工具的装置; 用于建立与所选择的支付工具相关的支付信息的装置和指示所购买的产品将在何处被交付的交货信息; 用于为每个接收到的文本消息生成包括所建立的支付信息，交货信息和正在购买的产品的标识的订单的装置; 以及用于将生成的订单提交给商家的订单管理系统的装置。

6. 发明申请

WO2006081525A2 SYSTEM AND METHOD FOR CONVERSION BETWEEN INTERNET AND NON-INTERNET BASE TRANSACTIONS 审中-公开
标题翻译：用于互联网和非互联网基础交易之间的转换的系统和方法
公开(公告)号：WO2006081525A2
公开(公告)日：2006-08-03
申请号：PCT/US2006003137
申请日：2006-01-27
申请人： CARDINAL COMMERCE CORP , BALSASUBRAMANIAN CHANDRA , SHERWIN FRANCIS , KERESMAN MICHAEL
发明人： BALSASUBRAMANIAN CHANDRA , SHERWIN FRANCIS , KERESMAN MICHAEL
IPC分类号： G06Q99/00 , G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/3821 , G06Q20/04 , G06Q20/32 , G06Q20/382 , G06Q20/3823 , G06Q20/385 , G06Q20/40 , G06Q20/403 , G06Q20/425 , G06Q30/02 , G06Q30/06
摘要： A method is provided for completing an authenticated commercial transaction over an internet protocol (IP) network (40) for an account holder (60) engaged in the transaction via a non-IP based telecommunications platform (30). The method includes: receiving a first message from the account holder (60) via the non-IP based telecommunications platform (30), the first message triggering authentication of the account holder (60) and being in a first communication format; establishing account information for a payment instrument being used in the transaction based upon content in the first message; generating a second message using a second communication format different from the first format, the second message including the established account information; submitting the second message via the IP network (40) to a network entity (110, 200) such that an authentication document is generated (120), the authentication document (120) containing an input field (122); generating a third message using the first format, the third message being submitted to the account holder (60) via the non-IP based telecommunications platform (30) such that the account holder (60) is prompted to enter a security code; receiving a fourth message containing the entered security code from the account holder (60) via the non-IP based telecommunications platform (30), the fourth message being in the first format; and, accessing the authentication document (120) via the IP network (40) to fill-in the input field (122) of the authentication document (120) with the security code contained in the fourth message.
摘要翻译：提供了一种通过用于通过非基于IP的电信平台（30）从事交易的账户持有者（60）的互联网协议（IP）网络（40）完成认证商业交易的方法。该方法包括：经由非基于IP的电信平台（30）从账户持有者（60）接收第一消息，所述第一消息触发所述账户持有者（60）的认证并处于第一通信格式; 基于所述第一消息中的内容，为所述交易中使用的支付工具建立账户信息; 使用不同于所述第一格式的第二通信格式生成第二消息，所述第二消息包括所建立的帐户信息; 通过所述IP网络（40）将所述第二消息提交给网络实体（110,200），使得生成认证文档（120），所述认证文档（120）包含输入字段（122）; 使用所述第一格式生成第三消息，所述第三消息经由所述非基于IP的电信平台（30）提交给所述帐户持有者（60），使得所述帐户持有者（60）被提示输入安全码; 经由非基于IP的电信平台（30）从账户持有者（60）接收包含输入的安全码的第四消息，第四消息是第一格式; 以及经由所述IP网络（40）访问所述认证文档（120）以使用包含在所述第四消息中的所述安全码来填写所述认证文档（120）的输入字段（122）。

7. 发明申请

WO2009132339A2 UNIVERSAL PAYMENTS DASHBOARD 审中-公开
标题翻译：通用付款
公开(公告)号：WO2009132339A2
公开(公告)日：2009-10-29
申请号：PCT/US2009/041804
申请日：2009-04-27
申请人： CARDINALCOMMERCE CORPORATION , KERESMAN, Michael, A. , SHERWIN, Francis , BALASUBRAMANIAN, Chandra
发明人： KERESMAN, Michael, A. , SHERWIN, Francis , BALASUBRAMANIAN, Chandra
IPC分类号： G06Q30/00 , G06F17/30
CPC分类号： G06Q20/12 , G06Q20/227 , G06Q30/06 , G06Q30/0601 , G07F19/206
摘要： A universal payments dashboard system provides eCommerce merchants with an easy to integrate web page (inline frame) that displays all alternative payment button options that consumers can use on the merchant website(s) to pay for the purchase. Such merchants can display the dashboard on their shopping cart page(s) and on their checkout page(s) at the point where users select the payment option. The dashboard communicates with a payment dashboard provider to complete the payment for the transaction, including any consumer interaction such as entering checking account information, personal details, etc. Upon completing the payment for the order, the dashboard provides the merchant with the completed order information (e.g., a prepaid order) along with all the payment information. The dashboard supports all alternative payment options, payment transaction notifications to enable single cash register functionality and work in conjunction with alternative payment initiatives.
摘要翻译：通用付款信息中心系统为电子商务商家提供了一个易于集成的网页（内联框架），显示所有其他支付按钮选项，消费者可以在商家网站上使用这些选项来支付购买费用。这样的商家可以在用户选择付款选项的位置在他们的购物车页面和他们的结帐页面上显示信息中心。仪表板与支付信息中心提供商通信，以完成交易的付款，包括任何消费者交互，如输入支票账户信息，个人信息等。在完成订单支付后，仪表板向商家提供已完成的订单信息（例如，预付费单）以及所有付款信息。仪表板支持所有其他支付选项，付款交易通知，以实现单一收款机功能，并与替代支付计划结合使用。

8. 发明申请

WO2008141287A1 APPLICATION SERVER AND/OR METHOD FOR SUPPORTING MOBILE ELECTRONIC COMMERCE 审中-公开
标题翻译：支持移动电子商务的应用服务器和/或方法
公开(公告)号：WO2008141287A1
公开(公告)日：2008-11-20
申请号：PCT/US2008/063439
申请日：2008-05-12
申请人： CARDINALCOMMERCE CORPORATION , BALASUBRAMANIAN, Chandra, S. , SHERWIN, Francis, M. , BAIRD, Christopher
发明人： BALASUBRAMANIAN, Chandra, S. , SHERWIN, Francis, M. , BAIRD, Christopher
IPC分类号： G06Q30/00
CPC分类号： G06Q30/06 , G06Q30/0633 , G06Q30/0641
摘要： An electronic platform for facilitating mobile commerce transactions includes: a user interface that is provided to a user, the user interface being operable to retrieve from the user a plurality of settings for different parameters that regulate a manner in which the platform operates for a given entity that is being served by the platform; a conversation tracking engine that monitors messages exchanged between the platform and mobile device users accessing the platform, the conversation tracking engine being operative to recognize which ones of selected monitored messages together form a common conversation and keep track of a current state of that conversation; and, a mobile content rendering engine that is operable to dynamically render mobile content in response to the platform receiving a request from a mobile device for mobile content, the mobile content being rendered in accordance with the parameter settings entered via the user interface.
摘要翻译：一种用于促进移动商务交易的电子平台包括：向用户提供的用户界面，用户界面可操作以从用户那里检索不同参数的多个设置，这些参数规定了平台为给定实体操作的方式正在由平台服务; 对话跟踪引擎，其监视在平台和访问平台的移动设备用户之间交换的消息，对话跟踪引擎可操作以识别所选择的被监视消息中的哪些一起形成公共对话并跟踪该对话的当前状态; 以及移动内容呈现引擎，其可操作以响应于所述平台动态地呈现移动内容，所述平台从移动设备接收针对移动内容的请求，所述移动内容根据经由所述用户界面输入的参数设置被呈现。

9. 发明申请

WO2007014187A3 METHOD AND SYSTEM FOR EXTENDING PAYMENT SYSTEM VIA TEXT MESSAGING 审中-公开
标题翻译：用于通过文本消息扩展支付系统的方法和系统
公开(公告)号：WO2007014187A3
公开(公告)日：2007-06-07
申请号：PCT/US2006028766
申请日：2006-07-25
申请人： CARDINALCOMMERCE CORP , SHERWIN FRANCIS , BALASUBRAMANIAN CHANDRA
发明人： SHERWIN FRANCIS , BALASUBRAMANIAN CHANDRA
IPC分类号： G06Q99/00 , G06Q20/00 , G06Q30/00 , H04W4/24
CPC分类号： H04L51/38 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/3255 , G06Q30/06 , G06Q30/0601 , G06Q30/0609 , G06Q30/0613 , G06Q30/0633 , H04L51/18 , H04L2463/102
摘要： A text message order processing system includes receiving text messages from consumers purchasing products from one or more merchants, parsing each text message to extract the identification of the product being purchased and the device from which the text message was sent, selecting based upon each received text message a payment Instrument to be used to pay for the purchase, establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered, generating for each received message an order including the established payment information, delivery information and identification of the product being purchased, and submitting the generated order to an order management system of the merchant.
摘要翻译：文本消息订单处理系统包括从消费者接收来自一个或多个商家的产品的文本消息，解析每个文本消息以提取正在购买的商品的标识和从其发送文本消息的设备，基于每个接收到的文本进行选择发送用于支付购买的支付工具，建立与所选择的支付工具相关的支付信息，以及指示所购买的产品将在哪里交付的交货信息，为每个接收到的消息生成包括所建立的支付信息，交货信息以及所购买产品的识别，并将生成的订单提交给商家的订单管理系统。

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