专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明申请

WO2006044553A2 SYSTEM AND METHOD FOR PROVIDING A RF PAYMENT SOLUTION TO A MOBILE DEVICE 审中-公开
标题翻译：向移动设备提供RF支付解决方案的系统和方法
公开(公告)号：WO2006044553A2
公开(公告)日：2006-04-27
申请号：PCT/US2005/036848
申请日：2005-10-14
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. , BISHOP, Fred , SAUNDERS, Peter, D.
发明人： BISHOP, Fred , SAUNDERS, Peter, D.
IPC分类号： G06Q99/00
CPC分类号： G06Q20/32 , G06K19/07749 , G06Q20/3226 , G06Q20/325 , G06Q20/3278 , G06Q20/341 , G06Q20/347 , G06Q20/382 , G06Q20/40 , G06Q20/4014 , G06Q30/06 , G07F7/08 , G07F7/0833 , G07F7/0886 , G07F7/10 , G07F7/1008 , G07F7/1075
摘要： A process for providing an RF module configured to convert a nontraditional transaction device for traditional transaction completion is disclosed. The RF module is placed in physical and logical communication with a microprocessor of a nontraditional transaction device for providing user account information to the microprocessor and for receiving data from a RFID reader, kiosk or personal computer. The microprocessor is configured to activate operation of the RF module prior to transaction processing. The RF module may also receive secondary identification information, such as, a PIN, voice recognition data or biometric data for secondary end user authentication. The RF module may also transmit user account data for transaction processing using a USB interface of the nontraditional transaction device.
摘要翻译：公开了一种用于提供被配置为转换用于传统交易完成的非传统交易设备的RF模块的过程。 RF模块放置在与非传统交易设备的微处理器的物理和逻辑通信中，用于向微处理器提供用户帐户信息，并从RFID读取器，信息亭或个人计算机接收数据。微处理器被配置为在事务处理之前激活RF模块的操作。 RF模块还可以接收辅助标识信息，例如用于次要终端用户认证的PIN，语音识别数据或生物特征数据。 RF模块还可以使用非传统交易设备的USB接口传送用于事务处理的用户帐户数据。

2. 发明申请

WO2002069220A1 ONLINE CARD ACTIVATION SYSTEM AND METHOD 审中-公开
标题翻译：在线卡活动系统及方法
公开(公告)号：WO2002069220A1
公开(公告)日：2002-09-06
申请号：PCT/US2001/025717
申请日：2001-08-17
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
发明人： TOBIN, Justin, D. , BIGGAR, Lynne , GREINER, Hans-Jurgen , BISHOP, Fred
IPC分类号： G06F17/60
CPC分类号： G06Q30/04 , G06Q20/105
摘要： A method for online account activation between a consumer having an account with a service provider interacting with at least a first computing system and a second computing system in communication with the first computing system over the first network, the method including, in one embodiment, providing a notice to the consumer to activate an account (e.g., a new card or account, a renewal card or account, a replacement card or account, or web-based service) on a network-accessible site (11), instructing the consumer to access the site (13), prompting the consumer to provide predetermined card or account information to the site (15) and communicating the predetermined card or account information to the second computing system over the first network, allowing the at least second computing system to process the predetermined card or account information against previously stored account data (17), and notifying the consumer on the first computing network of the activation processing results.
摘要翻译：一种用于在具有与至少第一计算系统进行交互的服务提供者的帐户与通过第一网络与第一计算系统通信的第二计算系统之间进行在线帐户激活的方法，所述方法包括在一个实施例中提供在网络可访问站点（11）上通知消费者激活帐户（例如，新卡或帐户，续订卡或帐户，替换卡或帐户或基于网络的服务），指示消费者访问所述站点（13），促使所述消费者向所述站点（15）提供预定的卡或帐户信息，并且通过所述第一网络将所述预定卡或帐户信息传送到所述第二计算系统，以允许所述至少第二计算系统处理针对先前存储的帐户数据（17）的预定卡或帐户信息，以及在第一计算网络上通知消费者激活处理决议 TS。

3. 发明申请

WO2007061433A3 SYSTEMS AND METHODS FOR NON-TRADITIONAL PAYMENT 审中-公开
公开(公告)号：WO2007061433A3
公开(公告)日：2007-05-31
申请号：PCT/US2006/007570
申请日：2006-03-01
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. , BISHOP, Fred , SAUNDERS, Peter, D.
发明人： BISHOP, Fred , SAUNDERS, Peter, D.
IPC分类号： G06Q99/00
摘要： The present invention includes systems and methods for facilitating transactions using non-traditional devices. A method of the present invention includes the steps of forming a transaction request at a non-traditional device, and communicating the transaction request to a reader. In one embodiment, the non-traditional device may be configured with a transponder or other RF operable device. In another embodiment, the non-traditional device may be configured with an RFID protocol, such as a protocol in ISO 8583 format. In yet another embodiment, the non-traditional device may be configured to facilitate transactions using a random number, an authentication tag, a counter, or an encrypted payload.

4. 发明申请

WO2004046884A2 SYSTEM AND METHOD FOR FACILITATING INTERACTION BETWEEN CONSUMER AND MERCHANT 审中-公开
标题翻译：促进消费者与商品之间相互作用的系统和方法
公开(公告)号：WO2004046884A2
公开(公告)日：2004-06-03
申请号：PCT/US2003/036935
申请日：2003-11-19
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
发明人： GLAZER, Elliot , BISHOP, Fred
IPC分类号： G06F
CPC分类号： H04N21/472 , G06Q30/0269 , G06Q30/06 , G06Q30/0601 , G06Q30/0609 , G06Q30/0613 , H04N7/17318 , H04N21/25875 , H04N21/47815 , H04N21/812
摘要： An automated method and system is provided for facilitating interaction between a consumer and a merchant using a strong security framework. An offer describing a product and a predetermined means for acceptance is presented via a display. Once the offer has been presented, if the consumer accepts, the system performs various authentications, then facilitates receipt of the acceptance. The system then combines the acceptance data with identification and payment information, and transmits the relevant information to the merchant. Optionally, the system may customize the content or the presentation of the offer based on information about the targeted consumer.
摘要翻译：提供了一种自动化方法和系统，用于促进消费者和使用强安全框架的商家之间的交互。通过显示器呈现描述产品和预定的接受装置的报价。一旦提供了报价，如果消费者接受，则系统执行各种认证，然后便于接收。然后系统将验收数据与识别和支付信息相结合，并将相关信息发送给商家。可选地，系统可以基于关于目标消费者的信息来定制提供的内容或呈现。

5. 发明申请

WO2011008625A1 SYSTEMS AND METHODS FOR TRANSACTION PROCESSING USING A SMARTCARD 审中-公开
标题翻译：使用智能卡进行交易处理的系统和方法
公开(公告)号：WO2011008625A1
公开(公告)日：2011-01-20
申请号：PCT/US2010/041330
申请日：2010-07-08
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. , BISHOP, Fred , MORGAN, Robert, E. , SETH, Hitesh
发明人： BISHOP, Fred , MORGAN, Robert, E. , SETH, Hitesh
IPC分类号： G06Q20/00
CPC分类号： G06Q20/04 , G06Q20/02 , G06Q20/12 , G06Q20/20 , G06Q20/403
摘要： Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway. A smartcard may function as a payment directory and/or a payment system.
摘要翻译：公开了使用支付系统目录促进商业交易。支付目录和/或无线销售点（POS）设备可以被配置为使用预定规则，多个数据项和/或条件来定位支付系统，并且将支付授权请求从远程位置发送到至少一个支付系统，直接或通过支付系统目录和/或SSL网关。智能卡可以用作支付目录和/或支付系统。

6. 发明申请

WO2010083113A1 SYSTEMS FOR LOCATING A PAYMENT SYSTEM UTILIZING A POINT OF SALE DEVICE 审中-公开
标题翻译：用于定位使用销售装置点的付款系统的系统
公开(公告)号：WO2010083113A1
公开(公告)日：2010-07-22
申请号：PCT/US2010/020582
申请日：2010-01-11
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. , BISHOP, Fred , SAUNDERS, Peter, D.
发明人： BISHOP, Fred , SAUNDERS, Peter, D.
IPC分类号： G06Q20/00
CPC分类号： G06Q20/04 , G06Q20/02 , G06Q20/12 , G06Q20/20 , G06Q20/202 , G06Q20/207 , G06Q20/403
摘要： A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.
摘要翻译：销售点（POS）设备可以被配置为定位支付系统，并且直接地或经由支付系统目录和/或SSL网关从远程位置向支付系统发送支付授权请求。本发明还包括将第三方帐户信息插入到支付请求的加密部分中，因此支付请求以正常请求的形式出现给开证行，但第三方帐户信息可被第三方用于对该客户收费。支付系统目录还被配置为确定一个或多个支付处理器来指示支付授权请求，使得可以在多个支付处理器之间分配单个交易以进行授权。此外，支付系统目录能够将替代支付方式格式化为能够通过现有支付网络进行处理的格式。

7. 发明申请

WO2003003155A3 CONSOLIDATED PAYMENT ACCOUNT SYSTEM AND METHOD 审中-公开
公开(公告)号：WO2003003155A3
公开(公告)日：2003-01-09
申请号：PCT/US2002/020262
申请日：2002-06-26
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
发明人： ARMES, David , BISHOP, Fred , BRECK, Lydia, C. , FEHLHABER, Jeff , FITZGERALD, Gabriella, P. , GLAZER, Elliott , HUSSEIN, Sohail , MITCHELL, Margaret, C. , NEEMANN, Trey , SWEET, Leah, M. , WHITE, Dirk , ZOOB, Jessica
IPC分类号： G06F17/60
摘要： The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants (110). The comprehensive payment service is based upon a consolidated account (350) used to store value acquired through on-line transactions. The invention provides private payment numbers (408) for protecting the identities of the participants and includes processes for present invention enables merchants (120) to effectively accept non-standard forms (160) of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.

8. 发明申请

WO2010141662A1 SYSTEMS AND METHODS FOR ROUTING A TRANSACTION REQUEST TO A PAYMENT SYSTEM VIA A TRANSACTION DEVICE 审中-公开
标题翻译：用于通过交易设备向付款系统发送交易请求的系统和方法
公开(公告)号：WO2010141662A1
公开(公告)日：2010-12-09
申请号：PCT/US2010/037174
申请日：2010-06-03
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. , BISHOP, Fred , MORGAN, Robert E. , SETH, Hitesh
发明人： BISHOP, Fred , MORGAN, Robert E. , SETH, Hitesh
IPC分类号： G06Q20/00
CPC分类号： G06Q20/04 , G06Q20/02 , G06Q20/12 , G06Q20/20 , G06Q20/202 , G06Q20/403
摘要： Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.
摘要翻译：公开了使用支付系统目录促进商业交易。支付目录和/或无线销售点（POS）设备可以被配置为使用预定规则，多个数据项和/或条件来定位支付系统，并且将支付授权请求从远程位置发送到至少一个支付系统，直接或通过支付系统目录和/或SSL网关。

9. 发明申请

WO2004061719A1 METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY 审中-公开
标题翻译：实施和管理分销安全企业标识管理的方法和系统
公开(公告)号：WO2004061719A1
公开(公告)日：2004-07-22
申请号：PCT/US2003/040093
申请日：2003-12-16
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
发明人： BARRETT, Michael , ARMES, David , BISHOP, Fred , SHELBY, James , GLAZER, Elliott , STEITZ, Philip, W. , GIBBONS, Stephen, P.
IPC分类号： G06F17/30
CPC分类号： G06F21/34 , G06Q40/00 , Y10S707/99931
摘要： An Enterprise Identity Management system (figure 2) includes a registration component (202), an ownership component (204), and an audit component (206). The registration component is configured to associate a user ID with specific accounts that are accessible via a computer system. The ownership component is configured to verify the ownership of the accounts. The audit component is configured to perform periodic checks to ensure the validity of the association between the user ID and the ownership of the accounts.
摘要翻译：企业身份管理系统（图2）包括注册组件（202），所有权组件（204）和审计组件（206）。注册组件被配置为将用户ID与可以经由计算机系统访问的特定帐户相关联。所有权组件配置为验证帐户的所有权。审计组件被配置为执行定期检查以确保用户ID和帐户所有权之间的关联的有效性。

10. 发明申请

WO2004042614A1 PRIVACY SERVICE 审中-公开
标题翻译：隐私服务
公开(公告)号：WO2004042614A1
公开(公告)日：2004-05-21
申请号：PCT/US2003/028604
申请日：2003-09-11
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
发明人： GLAZER, Elliott , BISHOP, Fred
IPC分类号： G06F17/30
CPC分类号： G06Q30/02 , G06F21/604 , G06F21/6245 , G06F21/6272 , G06F2221/2101 , Y10S707/99939
摘要： A system and method providing a privacy service for facilitating the auditing and control of privacy data such as demographic and financial information. In accordance with one embodiment, the system suitably includes a database, a registration module, a tracking module, and an audit module. A consumer, corporation, or other user may use the system to perform a self audit of their privacy data to see how the privacy data is collected, used and disseminated by various third party entities such as merchants, financial institutions, marketing organizations and the like. Tracking information related to the use, collection and dissemination of the privacy data is stored by the system for later access by the user.
摘要翻译：提供隐私服务的系统和方法，用于促进审计和控制诸如人口和财务信息之类的隐私数据。根据一个实施例，系统适当地包括数据库，注册模块，跟踪模块和审核模块。消费者，公司或其他用户可以使用系统对其隐私数据进行自我审核，以了解隐私数据如何由诸如商家，金融机构，营销组织等之类的各种第三方实体收集，使用和传播。与隐私数据的使用，收集和传播相关的跟踪信息由系统存储以供用户稍后访问。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式