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1. 发明申请

US20140337175A1 Universal Electronic Payment Apparatuses, Methods and Systems 审中-公开
标题翻译：通用电子支付设备，方法和系统
公开(公告)号：US20140337175A1
公开(公告)日：2014-11-13
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q20/36 , G06Q20/32 , G06Q30/06
CPC分类号： G06Q20/36 , G06Q20/204 , G06Q20/322 , G06Q20/367 , G06Q30/00 , G06Q30/06 , G06Q30/0623 , G07F7/0886
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
摘要翻译：通用电子支付设备，方法和系统（“UEP”）将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。在一个实现中，UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求，获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。此外，UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。

2. 发明授权

US10223691B2 Universal electronic payment apparatuses, methods and systems 有权
公开(公告)号：US10223691B2
公开(公告)日：2019-03-05
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q30/00 , G06Q20/36 , G06Q20/20 , G06Q30/06 , G07F7/08 , G06Q20/32
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

3. 发明授权

US09342832B2 Securing external systems with account token substitution 有权
标题翻译：使用帐户令牌替换保护外部系统
公开(公告)号：US09342832B2
公开(公告)日：2016-05-17
申请号：US13208733
申请日：2011-08-12
申请人： Gourab Basu , Michael Mori , Ross Sakata , Steve Cracknell , Millie Yee , Mark Carlson , Patrick Stan , Surendra Keshan , Edward Katzin
发明人： Gourab Basu , Michael Mori , Ross Sakata , Steve Cracknell , Millie Yee , Mark Carlson , Patrick Stan , Surendra Keshan , Edward Katzin
IPC分类号： G06Q20/00 , G06Q20/38 , G06Q20/02 , G06Q20/12 , G06Q20/32 , G06Q20/36
CPC分类号： G06Q20/3672 , G06Q20/02 , G06Q20/12 , G06Q20/322 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/385 , G06Q20/4016 , G06Q2220/00
摘要： Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
摘要翻译：在支付交易的生命周期期间向外部实体提供账户令牌的系统，装置和方法。在一些实施例中，外部实体可以是请求授权支付消息的商家计算机。在其他实施例中，外部实体可以是提供支付处理网络或商家支持功能的支持计算机。

4. 发明申请

US20120041881A1 SECURING EXTERNAL SYSTEMS WITH ACCOUNT TOKEN SUBSTITUTION 有权
标题翻译：安全外部系统与帐户替代
公开(公告)号：US20120041881A1
公开(公告)日：2012-02-16
申请号：US13208733
申请日：2011-08-12
申请人： Gourab Basu , Michael Mori , Ross Sakata , Steve Cracknell , Millie Yee , Mark Carlson , Patrick Stan , Surendra Keshan , Edward Katzin
发明人： Gourab Basu , Michael Mori , Ross Sakata , Steve Cracknell , Millie Yee , Mark Carlson , Patrick Stan , Surendra Keshan , Edward Katzin
IPC分类号： G06Q20/40
CPC分类号： G06Q20/3672 , G06Q20/02 , G06Q20/12 , G06Q20/322 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/385 , G06Q20/4016 , G06Q2220/00
摘要： Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
摘要翻译：在支付交易的生命周期期间向外部实体提供账户令牌的系统，装置和方法。在一些实施例中，外部实体可以是请求授权支付消息的商家计算机。在其他实施例中，外部实体可以是提供支付处理网络或商家支持功能的支持计算机。

5. 发明申请

US20160224976A1 SECURING EXTERNAL SYSTEMS WITH ACCOUNT TOKEN SUBSTITUTION 审中-公开
标题翻译：安全外部系统与帐户替代
公开(公告)号：US20160224976A1
公开(公告)日：2016-08-04
申请号：US15095984
申请日：2016-04-11
申请人： Gourab Basu , Michael Mori , Ross Sakata , Steve Cracknell , Millie Yee , Mark Carlson , Patrick Stan , Surendra Keshan , Edward Katzin
发明人： Gourab Basu , Michael Mori , Ross Sakata , Steve Cracknell , Millie Yee , Mark Carlson , Patrick Stan , Surendra Keshan , Edward Katzin
IPC分类号： G06Q20/36 , G06Q20/38 , G06Q20/40
摘要： Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
摘要翻译：在支付交易的生命周期期间向外部实体提供账户令牌的系统，装置和方法。在一些实施例中，外部实体可以是请求授权支付消息的商家计算机。在其他实施例中，外部实体可以是提供支付处理网络或商家支持功能的支持计算机。

6. 发明申请

US20160314482A1 DETERMINATION OF RESOURCE PROVIDER CONDITIONS USING TRANSACTION DATA 审中-公开
标题翻译：使用交易数据确定资源提供者条件
公开(公告)号：US20160314482A1
公开(公告)日：2016-10-27
申请号：US15139267
申请日：2016-04-26
申请人： Gourab Basu , Michael Mori , Ross Sakata , Rajat Das
发明人： Gourab Basu , Michael Mori , Ross Sakata , Rajat Das
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0202 , G06Q30/0207 , G06Q30/0251
摘要： A server computer may receive a request from a user device of a user for a wait time associated with a merchant. The server computer may receive information comprising dynamic and static data from various entities. The information may include at least transaction data. The server computer may utilize the information to determine a wait time prediction and other conditions associated with the merchant. The determined information may be presented to the user by a notification on the user device.
摘要翻译：服务器计算机可以从用户的用户设备接收与商家相关联的等待时间的请求。服务器计算机可以从各种实体接收包括动态和静态数据的信息。该信息可以至少包括交易数据。服务器计算机可以利用该信息来确定与商家相关联的等待时间预测和其他条件。所确定的信息可以通过用户设备上的通知呈现给用户。

7. 发明申请

US20140188586A1 TOKENIZATION AND THIRD-PARTY INTERACTION 有权
标题翻译：协调和第三方互动
公开(公告)号：US20140188586A1
公开(公告)日：2014-07-03
申请号：US14146655
申请日：2014-01-02
申请人： Andrew Carpenter , Glenn Powell , Patrick Stan , Ryan Hagey , Michael Mori , Steve Cracknell , Mark Carlson , Gourab Basu
发明人： Andrew Carpenter , Glenn Powell , Patrick Stan , Ryan Hagey , Michael Mori , Steve Cracknell , Mark Carlson , Gourab Basu
IPC分类号： G06Q30/02 , G06Q20/02 , G06Q20/38
CPC分类号： G06Q30/0222 , G06Q20/02 , G06Q20/3821 , G06Q20/40
摘要： Processing of a transaction involving one or more third-parties and offers is described. Certain embodiments allow for suspending a received authorization request message which includes a transaction amount and a token mapped to a primary account number. One or more third-parties may be queried for an offer or discount eligible towards the transaction. The authorization request message may be adjusted to reflect one or more eligible offers from the one or more third-parties. The authorization request message may also be adjusted to replace the token with the mapped PAN. The authorization request message may then be sent to an issuer for further processing.
摘要翻译：描述涉及一个或多个第三方和优惠的交易的处理。某些实施例允许暂停接收到的授权请求消息，其中包括交易金额和映射到主帐号的令牌。可能会查询一个或多个第三方可用于交易的优惠或折扣。可以调整授权请求消息以反映来自一个或多个第三方的一个或多个合格的报价。也可以调整授权请求消息以用映射的PAN替换令牌。然后可以将授权请求消息发送到发行者以进一步处理。

8. 发明申请

US20130054465A1 LEAST COST ROUTING AND MATCHING 有权
标题翻译：最低成本路由和匹配
公开(公告)号：US20130054465A1
公开(公告)日：2013-02-28
申请号：US13599969
申请日：2012-08-30
申请人： Ross Sakata , Gourab Basu , Michael Mori , Steve Cracknell , Judson Reed
发明人： Ross Sakata , Gourab Basu , Michael Mori , Steve Cracknell , Judson Reed
IPC分类号： G06Q20/40
CPC分类号： H04M15/8044 , G06K5/00 , G06Q30/00 , G06Q30/04 , G06Q40/00 , G06Q40/02 , H04M15/8055
摘要： Systems and methods are disclosed for routing a transaction based on an assessment of costs associated with multiple payment processing networks. A transaction broker server determines how to route a received authorization request message for a transaction based on a first cost associated with processing the transaction via a first payment processing network and a second cost associated with processing the transaction via a second payment processing network. If the first cost is less than or equal to the second cost, the authorization request message is routed to the first payment processing network. If the first cost exceeds the second cost, at least one rule is applied to determine whether the first cost is to be reduced. If the at least one rule is satisfied, the first cost is reduced and the authorization request message is routed to the first payment processing network.
摘要翻译：公开了用于基于与多个支付处理网络相关联的成本的评估来路由交易的系统和方法。交易代理服务器基于与经由第一支付处理网络处理交易相关联的第一成本和经由第二支付处理网络处理交易相关联的第二成本来确定如何路由接收到的交易授权请求消息。如果第一个成本小于或等于第二个成本，授权请求消息被路由到第一支付处理网络。如果第一个成本超过第二个成本，则至少应用一个规则来确定是否减少第一个成本。如果满足至少一个规则，则降低第一成本，并将授权请求消息路由到第一支付处理网络。

9. 发明申请

US20120036073A1 INTELLIGENT ESTIMATES IN AUTHORIZATION 审中-公开
标题翻译：智能估计在授权
公开(公告)号：US20120036073A1
公开(公告)日：2012-02-09
申请号：US13188045
申请日：2011-07-21
申请人： Gourab Basu , Shaun Bodington , Ross Sakata , Michael Mori
发明人： Gourab Basu , Shaun Bodington , Ross Sakata , Michael Mori
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/42
摘要： Techniques for providing an intelligent estimated amount for authorization include receiving a request to calculate an estimated amount for a transaction where the final amount is not known at the time of authorization. A payment processing network calculates the estimated amount based on several factors associated with the transaction and provides the estimated amount to an issuer for authorization.
摘要翻译：用于提供用于授权的智能估计量的技术包括接收在授权时计算最终数量未知的交易的估计量的请求。支付处理网络基于与交易相关联的几个因素来计算估计金额，并将估计金额提供给发行人以进行授权。

10. 发明申请

US20170228723A1 RESOURCE PROVIDER ACCOUNT TOKEN PROVISIONING AND PROCESSING 审中-公开
公开(公告)号：US20170228723A1
公开(公告)日：2017-08-10
申请号：US15019842
申请日：2016-02-09
申请人： Mary Taylor , Laura A. Long , Michael Mori , Rajat Das
发明人： Mary Taylor , Laura A. Long , Michael Mori , Rajat Das
IPC分类号： G06Q20/36 , H04L29/06
CPC分类号： G06Q20/367 , H04L63/0807 , H04L63/123
摘要： Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

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