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1. 发明申请

WO2005033864A2 ACTIVATING TELEPHONE-BASED SERVICES USING A POS DEVICE 审中-公开
标题翻译：使用POS设备来激活基于电话的服务
公开(公告)号：WO2005033864A2
公开(公告)日：2005-04-14
申请号：PCT/US2004/031612
申请日：2004-09-23
申请人： FIRST DATA CORPORATION , MCGEE, Christopher, R. , ARTHUR, Steven, E. , NEWBROUGH, Keith, A.
发明人： MCGEE, Christopher, R. , ARTHUR, Steven, E. , NEWBROUGH, Keith, A.
IPC分类号： G06F
CPC分类号： G06Q20/305 , G06Q20/04 , G06Q20/20 , H04M3/42161 , H04M3/493
摘要： A method of providing telephone response unit (TRU)-based services includes receiving from a point-of-sale (POS) device a request at a host computer system to activate TRU-based services. The request includes an identifier that indicates the specific TRU-based services to be activated. The method also includes confirming the availability of the specific TRU-based services to be activated and storing at the host computer system information that indicates the services are activated. The method also includes returning a message to the POS that indicates that the TRU-based services have been activated.
摘要翻译：提供基于电话响应单元（TRU）的服务的方法包括从销售点（POS）设备接收主机计算机系统上的激活基于TRU的服务的请求。该请求包括指示要激活的特定基于TRU的服务的标识符。该方法还包括确认要激活的特定基于TRU的服务的可用性并且在主计算机系统上存储指示服务被激活的信息。该方法还包括向POS返回指示基于TRU的服务已被激活的消息。

2. 发明申请

WO2006122298A2 ANTI-FRAUD PRESENTATION INSTRUMENTS, SYSTEMS AND METHODS 审中-公开
标题翻译：反欺诈演示文书，系统和方法
公开(公告)号：WO2006122298A2
公开(公告)日：2006-11-16
申请号：PCT/US2006/018396
申请日：2006-05-11
申请人： FIRST DATA CORPORATION , HARTE, Kevin , MCGEE, Christopher, R. , NEWBROUGH, Keith, A. , JENNINGS, Kenneth, E.
发明人： MCGEE, Christopher, R. , NEWBROUGH, Keith, A. , JENNINGS, Kenneth, E.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/06 , G06Q20/0855 , G06Q20/102 , G06Q20/20 , G06Q20/28 , G06Q20/342 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q30/02 , G06Q30/06 , G07F7/025 , H04L9/32 , H04L2209/56 , H04L2209/805
摘要： The invention provides improved security for stored-value instruments. For example, a point-of-sale device may receive a request to process a transaction (such as an activation, redemption, funds recharge, etc.) with a presentation instrument. The point-of-sale device may receive a first identifier associated with the instrument. Merely by way of example, the first identifier may be encoded on a magnetic stripe disposed on the instrument, and receiving the first identifier may comprise swiping the magnetic stripe through a reader in communication with the point-of-sale device. The point-of-sale device may also receive a second identifier associated with the instrument. In some embodiments, the first and second identifiers may be correlated, e.g., to determine whether they are consistent. Merely by way of example, the second identifier may be derived from the first identifier in a specified manner, and the correlation of the first and second identifiers may comprise determining that the second identifier comprises the properly derived information. If the first and second identifiers are successfully correlated, the transaction may be performed.
摘要翻译：本发明为储值仪器提供了改进的安全性。例如，销售点设备可以使用呈现工具接收处理交易的请求（例如激活，兑换，资金充值等）。销售点设备可以接收与该仪器相关联的第一标识符。仅作为示例，第一标识符可以编码在设置在仪器上的磁条上，并且接收第一标识符可以包括通过与销售点设备通信的读取器来扫描磁条。销售点设备还可以接收与该仪器相关联的第二标识符。在一些实施例中，第一和第二标识符可以相关联，例如以确定它们是否一致。仅作为示例，可以以指定的方式从第一标识符导出第二标识符，并且第一和第二标识符的相关性可以包括确定第二标识符包括适当导出的信息。如果第一和第二标识符被成功地相关联，则可以执行事务。

3. 发明申请

WO2006116431A3 TAMPER RESISTANT PRESENTATION INSTRUMENTS AND METHODS 审中-公开
公开(公告)号：WO2006116431A3
公开(公告)日：2006-11-02
申请号：PCT/US2006/015684
申请日：2006-04-24
申请人： FIRST DATA CORPORATION , MCGEE, Christopher, R. , NEWBROUGH, Keith, A. , HARTE, Kevin
发明人： MCGEE, Christopher, R. , NEWBROUGH, Keith, A. , HARTE, Kevin
IPC分类号： G06K5/00
摘要： In one embodiment, a presentation instrument comprises a card body having machine readable information stored thereon. A protective device is coupled to the card body so as to be disposed over at least a portion of the machine readable information such that the machine readable information is incapable of being read by a machine when the protective device is in place and the machine readable information is readable by a machine when the protective device is removed.

4. 发明申请

WO2005028318A2 FINANCIAL PRESENTATION INSTRUMENTS WITH INTEGRATED HOLDER AND METHODS FOR USE 审中-公开
标题翻译：具有一体化持有人的财务报表和使用方法
公开(公告)号：WO2005028318A2
公开(公告)日：2005-03-31
申请号：PCT/US2004/030760
申请日：2004-09-20
申请人： FIRST DATA CORPORATION , MCGEE, Christopher, R. , NEWBROUGH, Keith, A. , ALGIENE, Kenneth
发明人： MCGEE, Christopher, R. , NEWBROUGH, Keith, A. , ALGIENE, Kenneth
IPC分类号： B65D
CPC分类号： G06K19/04
摘要： The present invention provides improved apparatus, methods, and systems for displaying and packaging financial presentation instruments, particularly stored value, gift, or other pre-paid debit cards. In one embodiment of the present invention, a method for displaying a financial presentation instrument with an integrated holder is provided. The method comprises providing a data card having an information storage medium and an aperture therethrough. The data card is then suspended from a display hook through the at least one aperture. Hence, the present invention advantageously allows for convenient displaying and easy access to the data card for activation at the time the card is purchased by a consumer. Further, the integrated holder on the data card decreases the operating costs and increases the efficiency for selling such debit cards as no additional materials, packaging, or carriers other than the data card itself are needed for the presentation and display of such debit cards.
摘要翻译：本发明提供了用于显示和包装金融演示文书，特别是存储的价值，礼物或其他预付费借记卡的改进的装置，方法和系统。在本发明的一个实施例中，提供了一种用于显示具有集成保持器的财务呈现工具的方法。该方法包括提供具有信息存储介质和穿过其的孔径的数据卡。数据卡然后通过至少一个孔悬挂在显示钩上。因此，本发明有利地允许在消费者购买卡片时方便地显示和容易地访问数据卡以进行激活。此外，数据卡上的集成持有人降低了操作成本，并且提高了销售这种借记卡的效率，因为不需要除了数据卡本身之外的额外的材料，包装或载体来呈现和显示这样的借记卡。

5. 发明申请

WO2009154950A2 SYSTEMS AND METHODS OF PAYMENT ACCOUNT ACTIVATION 审中-公开
标题翻译：付款帐户激活的系统和方法
公开(公告)号：WO2009154950A2
公开(公告)日：2009-12-23
申请号：PCT/US2009/045042
申请日：2009-05-22
申请人： FIRST DATA CORPORATION , NEWBROUGH, Keith, A.
发明人： NEWBROUGH, Keith, A.
IPC分类号： G06Q40/00 , G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/354 , G06Q20/18 , G06Q20/204 , G06Q20/355 , G06Q20/367 , G06Q20/3678 , G06Q20/38 , G06Q40/00 , G07F7/02
摘要： Systems and methods are provided for activating a payment account. The payment account is associated with two identifiers. A payment instrument is provided as having the two identifiers. A first identifier is read at a first point of sale device to activate the payment account. A second identifier is read by a radio frequency identification reader at a second point of sale device to access funds in the payment account. The first point of sale device may not be capable of reading the second identifier.
摘要翻译：提供系统和方法来激活支付帐户。付款帐户与两个标识符相关联。提供支付工具具有两个标识符。在第一销售点设备读取第一标识符以激活支付账户。第二标识符由射频识别读取器在第二销售点设备读取以访问支付账户中的资金。第一个销售点设备可能无法读取第二个标识符。

6. 发明申请

WO2004042590A1 STORED VALUE CURRENCY CONVERSION SYSTEMS AND METHODS 审中-公开
标题翻译：存储价值货币转换系统和方法
公开(公告)号：WO2004042590A1
公开(公告)日：2004-05-21
申请号：PCT/US2003/034594
申请日：2003-10-29
申请人： FIRST DATA CORPORATION
发明人： JAMES, Kevin, A. , BAUMGARTNER, David, R. , NEWBROUGH, Keith, A. , PRIDGEON, Peter, A. , TEIXEIRA, Ryan, G. , COX, Danielle, E.
IPC分类号： G06F15/16
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/28 , G06Q20/342 , G06Q20/381 , G06Q40/04 , G06Q40/06 , G07F7/025
摘要： A method for performing financial transactions in different currencies proceeds by entering an identifier of a presentation instrument (38) into a point-of-sale device along with a redemption amount in a transaction currency that is different from the base currency that is associated with the presentation instrument. The identifier, the redemption amount and a transaction currency code are transmitted to a host computer system (40). In turn, the host computer system transmits back to the point-of-sale device a new balance in the base currency (52).
摘要翻译：以不同货币执行金融交易的方法是通过将一个呈现工具（38）的标识符输入到销售点设备中，以及不同于与该基础货币相关联的基本货币的交易货币中的兑换金额，演示文稿。标识符，兑换金额和交易货币代码被发送到主计算机系统（40）。反过来，主计算机系统将基本货币的新余额传回销售点设备（52）。

7. 发明申请

WO2004034206A2 ELECTRONIC CARD TICKETS AND METHODS FOR THEIR USE 审中-公开
标题翻译：电子卡门票及其使用方法
公开(公告)号：WO2004034206A2
公开(公告)日：2004-04-22
申请号：PCT/US2003/031861
申请日：2003-10-07
申请人： FIRST DATA CORPORATION
发明人： MCGEE, Christopher, R. , BAUMGARTNER, David, R. , NEWBROUGH, Keith, A. , ALGIENE, Kenneth
IPC分类号： G06F
CPC分类号： G07F7/08 , G06Q20/045 , G06Q20/342 , G07F7/025 , G07F7/12 , G07F7/122 , G07F17/42
摘要： A method for issuing tickets proceeds by selecting an inactive ticket that includes an identifier. Payment is provided for the ticket, and the identifier and a payment amount is entered into a payment processing device. The identifier is transmitted to a host computer system having a record of the identifier and a status of the ticket. The status of the ticket is then changed to an active status in the host computer system.
摘要翻译：通过选择包括标识符的不活动票证来发行票证的方法。为票证提供支付，并将标识符和支付金额输入到支付处理设备中。标识符被发送到具有标识符和票据状态的记录的主计算机系统。然后票证的状态在主机系统中变为活动状态。

8. 发明公开

EP1880361A2 ANTI-FRAUD PRESENTATION INSTRUMENTS, SYSTEMS AND METHODS 审中-公开
标题翻译：文书，制度和程序欺诈安全
公开(公告)号：EP1880361A2
公开(公告)日：2008-01-23
申请号：EP06759653.6
申请日：2006-05-11
申请人： First Data Corporation
发明人： MCGEE, Christopher, R. , NEWBROUGH, Keith, A. , JENNINGS, Kenneth, E. , HARTE, Kevin
IPC分类号： G06Q99/00
CPC分类号： G06Q20/06 , G06Q20/0855 , G06Q20/102 , G06Q20/20 , G06Q20/28 , G06Q20/342 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q30/02 , G06Q30/06 , G07F7/025 , H04L9/32 , H04L2209/56 , H04L2209/805
摘要： The invention provides improved security for stored-value instruments. For example, a point-of-sale device may receive a request to process a transaction (such as an activation, redemption, funds recharge, etc.) with a presentation instrument. The point-of-sale device may receive a first identifier associated with the instrument. Merely by way of example, the first identifier may be encoded on a magnetic stripe disposed on the instrument, and receiving the first identifier may comprise swiping the magnetic stripe through a reader in communication with the point-of-sale device. The point-of-sale device may also receive a second identifier associated with the instrument. In some embodiments, the first and second identifiers may be correlated, e.g., to determine whether they are consistent. Merely by way of example, the second identifier may be derived from the first identifier in a specified manner, and the correlation of the first and second identifiers may comprise determining that the second identifier comprises the properly derived information. If the first and second identifiers are successfully correlated, the transaction may be performed.

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