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1. 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。

2. 发明申请

WO2007146751A3 TRANSACTION INSTRUMENTS WITH ENHANCED SECURITY PIN AND EXPIRATION DATE GENERATION 审中-公开
公开(公告)号：WO2007146751A3
公开(公告)日：2007-12-21
申请号：PCT/US2007/070642
申请日：2007-06-07
申请人： FIRST DATA CORPORATION , NEWBROUGH, Keith
发明人： NEWBROUGH, Keith
IPC分类号： G06K19/06 , G06K5/00 , G06K7/10 , H04K1/00 , H04L9/00 , H04L9/32
摘要： The present invention generally relates to transaction instruments with enhanced expiration date (112) and/or security personal identification number (PlN) generation (110). The enhanced security PIN generation (110) may be usefully in connection with account information (130, 140) 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 (130, 140) 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 (130, 140) may be used as a static identifier to indicate identity of the transaction instrument, and the security PIN (110) may be used to authenticate the identity of the transaction instrument.

3. 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。

4. 发明申请

WO2007103945A2 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：WO2007103945A2
公开(公告)日：2007-09-13
申请号：PCT/US2007/063424
申请日：2007-03-06
申请人： FIRST DATA CORPORATION , ALGIENE, Ken , NEWBROUGH, Keith
发明人： ALGIENE, Ken , NEWBROUGH, Keith
IPC分类号： G06K19/00 , G06K19/06
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. 发明公开

EP1880342A2 SECURITY SYSTEMS FOR A PAYMENT INSTRUMENT 审中-公开
标题翻译：保障制度的支付工具
公开(公告)号：EP1880342A2
公开(公告)日：2008-01-23
申请号：EP06759655.1
申请日：2006-05-11
申请人： First Data Corporation
发明人： JENNINGS, Kenneth, E. , NEWBROUGH, Keith
IPC分类号： G06K5/00
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 (120) may receive a first identifier for an instrument from a purchaser (104) at a point-of-sale terminal (108) 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.

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