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1. 发明申请

WO2009114280A2 INTERCHANGE FEE NOTIFICATION 审中-公开
标题翻译：国际货运通知
公开(公告)号：WO2009114280A2
公开(公告)日：2009-09-17
申请号：PCT/US2009/035324
申请日：2009-02-26
申请人： FIRST DATA CORPORATION , SKOWRONEK, Dan , BRYLA, Nicholas , OLSON, Mira , LOPEZ, Christine
发明人： SKOWRONEK, Dan , BRYLA, Nicholas , OLSON, Mira , LOPEZ, Christine
IPC分类号： G06Q30/00 , G06Q20/00 , G06Q10/00
CPC分类号： G06Q20/24 , G06Q20/10 , G06Q20/14 , G06Q20/145 , G06Q20/202 , G06Q20/405 , G06Q30/04 , G06Q40/00 , G07F17/0014
摘要： The embodiments described provide for systems and methods that alert a merchant of increased interchange fees. An increased interchange fee occurs when an electronic transaction, such as a credit card transaction, deviates from a standard set of criteria. For example, the sales person enters the credit card number rather than swipe the magnetic stripe of the credit card. In one embodiment, transaction information is provided to a merchant. The merchant sends the transaction information to an application. If the transaction is non-standard, the application can produce a notification that is sent to the merchant. The merchant may then address the causes of the increased interchange fee.
摘要翻译：所描述的实施例提供了向商家提醒交换费用增加的系统和方法。当电子交易（例如信用卡交易）偏离标准的一套标准时，会增加交换费。例如，销售人员输入信用卡号码而不是刷卡信用卡的磁条。在一个实施例中，交易信息被提供给商家。商家将交易信息发送给应用程序。如果交易不规范，应用程序可以生成发送给商家的通知。然后商家可以解决增加交换费用的原因。

2. 发明申请

WO2010005981A2 CUSTOMER PRE-SELECTED ELECTRONIC COUPONS 审中-公开
标题翻译：客户预先选择的电子汤匙
公开(公告)号：WO2010005981A2
公开(公告)日：2010-01-14
申请号：PCT/US2009/049830
申请日：2009-07-07
申请人： FIRST DATA CORPORATION , SKOWRONEK, Dan , MOREA, Dominic
发明人： SKOWRONEK, Dan , MOREA, Dominic
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02
摘要： Embodiments presented herein generally relate to novel systems and methods for managing electronic coupons. In embodiments, the user uploads one or more coupons into a mobile device. While shopping, the mobile device receives communications from one or more NFC sensors/transmitters associated with one or more products in one or more product displays. The mobile device can determine from information in the communication to which product the communication applies. The mobile device can then search for one or more uploaded coupons that apply to the one or more products. In embodiments, the mobile device alerts the user when one or more of the coupons apply.
摘要翻译：本文呈现的实施例通常涉及用于管理电子优惠券的新颖系统和方法。在实施例中，用户将一个或多个优惠券上传到移动设备中。在购物时，移动设备从一个或多个产品显示器中的一个或多个产品相关联的一个或多个NFC传感器/发射器接收通信。移动设备可以从与通信应用于哪个产品的通信中的信息确定。然后，移动设备可以搜索适用于一个或多个产品的一个或多个上传的优惠券。在实施例中，当应用优惠券中的一个或多个时，移动设备警告用户。

3. 发明申请

WO2009052195A1 AUTHORIZATIONS FOR MOBILE CONTACTLESS PAYMENT TRANSACTIONS 审中-公开
标题翻译：移动联营支付交易授权
公开(公告)号：WO2009052195A1
公开(公告)日：2009-04-23
申请号：PCT/US2008/080015
申请日：2008-10-15
申请人： FIRST DATA CORPORATION , SKOWRONEK, Dan
发明人： SKOWRONEK, Dan
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/045 , G06Q20/32 , G06Q20/3227 , G06Q20/327 , G06Q20/3278 , G06Q20/401
摘要： Embodiments generally relate to systems and methods for processing electronic payments for retail services and goods delivered by unattended retail device. In embodiments, an unattended retail device leverages a consumer's mobile appliance to send the transaction and payment information to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the mobile appliance. The mobile appliance then sends the authorization or declination to the unattended retail device. If authorized, the unattended retail device provides the retail good or service.
摘要翻译：实施例通常涉及用于处理零售服务的电子支付和由无人值守零售设备交付的商品的系统和方法。在实施例中，无人值守零售设备利用消费者的移动设备将交易和支付信息发送给授权机构。授权机构收到付款和交易信息，授权或拒绝交易付款，并将授权或拒绝转交给移动设备。然后，移动设备将授权或拒收权发送到无人参与的零售设备。如果授权，无人值守零售设备提供零售商品或服务。

4. 发明申请

WO2010011670A2 MOBILE PAYMENT ADOPTION BY ADDING A DEDICATED PAYMENT BUTTON TO MOBILE DEVICE FORM FACTORS 审中-公开
标题翻译：移动支付通过在移动设备表单中添加专用付款按钮
公开(公告)号：WO2010011670A2
公开(公告)日：2010-01-28
申请号：PCT/US2009/051283
申请日：2009-07-21
申请人： FIRST DATA CORPORATION , SKOWRONEK, Dan , VANDEBURG, Theodore , OWEN, Sarah
发明人： SKOWRONEK, Dan , VANDEBURG, Theodore , OWEN, Sarah
CPC分类号： G06Q20/3278 , G06Q20/10 , G06Q20/32 , G06Q20/322
摘要： Embodiments presented herein generally relate to a novel mobile device containing a near field communication (NFC) component. In embodiments, the mobile device includes a payment user interface device. The payment user interface device may be a button on a keypad or may be an icon on a user interface. In embodiments, only after activating, by depressing or selecting, the payment user interface device can allow a user to use the NFC component. In embodiments, the NFC component is powered off until the activation of the payment user interface device.
摘要翻译：这里呈现的实施例总体上涉及包含近场通信（NFC）组件的新颖的移动设备。在实施例中，移动设备包括支付用户接口设备。支付用户接口设备可以是小键盘上的按钮或者可以是用户界面上的图标。在实施例中，仅在通过按压或选择来激活支付用户界面装置之后才允许用户使用NFC部件。在实施例中，NFC组件被关闭，直到激活支付用户接口设备。

5. 发明申请

WO2009117268A2 CUSTOMER LOYALTY PROGRAM WITH SHARED DATA AND SUB-PROGRAMS 审中-公开
标题翻译：具有共享数据和子程序的客户LOYALTY程序
公开(公告)号：WO2009117268A2
公开(公告)日：2009-09-24
申请号：PCT/US2009/036496
申请日：2009-03-09
申请人： FIRST DATA CORPORATION , SKOWRONEK, Dan , DEWAN, Sunil , KNOWLES, Kevin , KIEFER, Stuart
发明人： SKOWRONEK, Dan , DEWAN, Sunil , KNOWLES, Kevin , KIEFER, Stuart
IPC分类号： G06Q10/00
CPC分类号： G06Q30/02 , G06Q30/0226
摘要： Embodiments of the present disclosure provide systems and methods for increasing participation in loyalty programs. In embodiments, the customer opts into a loyalty program. The customer is then provided with information about his or her loyalty participation and also is provided with information about one or more other customer's participation in the loyalty program. In another embodiment, one or more loyalty members can form their own competition or group within the loyalty program. The members can create loyalty sub¬ program rules for a competition and allow fellow loyalty members to participate in the competition. The customizable loyalty sub-program competitions further enhance member participation.
摘要翻译：本公开的实施例提供了用于增加对忠诚度计划的参与的系统和方法。在实施例中，客户选择加入忠诚度计划。然后向客户提供关于他或她的忠诚度参与的信息，并且还提供关于一个或多个其他客户参与忠诚度计划的信息。在另一个实施例中，一个或多个忠诚度成员可以在忠诚度计划内形成自己的竞争或组合。会员可以为比赛制定忠诚度子计划规则，并允许忠诚会员参与比赛。可定制的忠诚度子项目比赛进一步增强了会员参与度。

6. 发明申请

WO2009058633A1 SYSTEM AND METHOD FOR VALIDATION OF TRANSACTIONS 审中-公开
标题翻译：用于交易确认的系统和方法
公开(公告)号：WO2009058633A1
公开(公告)日：2009-05-07
申请号：PCT/US2008/080780
申请日：2008-10-22
申请人： FIRST DATA CORPORATION , SKOWRONEK, Dan
发明人： SKOWRONEK, Dan
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/32 , G06Q20/322 , G06Q20/3278 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G07F7/1025
摘要： A financial institution may flag suspicious transactions that are conducted using an NFC-enabled mobile phone. The account holder establishes a second PIN that is separate from the primary PIN used by the customer to authenticate transactions. When a transaction is flagged, a message is sent to the customer at the mobile phone requesting entry of the second PIN. If the second PIN is not correctly entered, activity on the account is suspended.
摘要翻译：金融机构可以标记使用NFC功能的手机进行的可疑交易。帐户持有人建立与用户认证交易所使用的主PIN分开的第二个PIN。当交易被标记时，在移动电话上向消费者发送请求输入第二PIN的消息。如果第二个PIN码未正确输入，该帐户的活动将被暂停。

7. 发明申请

WO2008134520A1 PROTECTED CONTACTLESS CARD 审中-公开
标题翻译：保护联系卡
公开(公告)号：WO2008134520A1
公开(公告)日：2008-11-06
申请号：PCT/US2008/061589
申请日：2008-04-25
申请人： FIRST DATA CORPORATION , COCKS, Chris , SKOWRONEK, Dan
发明人： SKOWRONEK, Dan
IPC分类号： G08B13/14
CPC分类号： G06K19/07327
摘要： A protected contactless presentation instrument is disclosed. In one embodiment, the protected contactless presentation instrument includes an RFID chip that can be manually exposed and shielded by a user. The protected contactless presentation instrument may include a moveable tab that includes the RFID chip. The protected contactless presentation instrument may also include a moveable shield. Another embodiment of the invention provides for a contactless presentation instrument that includes an electroluminescence material.
摘要翻译：公开了一种受保护的非接触式表示仪器。在一个实施例中，受保护的非接触式呈现装置包括可由用户手动曝光和屏蔽的RFID芯片。受保护的非接触式表示仪器可以包括包括RFID芯片的可移动突片。受保护的非接触式呈现仪器还可以包括可移动屏蔽。本发明的另一个实施例提供一种包括电致发光材料的非接触式呈现仪器。

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