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1. 发明申请

US20110258117A1 MODIFICATION OF PAYMENT TRANSACTIONS IN REAL-TIME BASED UPON EXTERNAL DATA SOURCE 审中-公开
标题翻译：基于外部数据源实时付款交易的修改
公开(公告)号：US20110258117A1
公开(公告)日：2011-10-20
申请号：US12760319
申请日：2010-04-14
申请人： Farhan Ahmad , Meeri Siljamaki , Min Koo Lee , Chia-Lin Chen
发明人： Farhan Ahmad , Meeri Siljamaki , Min Koo Lee , Chia-Lin Chen
IPC分类号： G06Q20/00 , G06F17/30 , G06Q30/00
CPC分类号： G06Q20/3224 , G06Q20/202 , G06Q30/016 , G06Q30/0207 , G06Q30/06 , G06Q40/02
摘要： A system for, and method of using multiple data flows, both transactional and non-transactional, in real time to modify a transaction is disclosed. Further the use of transaction information in real time as a decision factor to trigger a different, non-transactional response, and the combination of the two approaches is disclosed. In particular, a network comprised of a plurality of software modules and databases is capable of combining current POS/POP transaction data, with a variety of other outside data sources to provide improved information for adjusting responses to transactions in real time. More specifically, the network utilizes payer facing systems to analyze the data in combination with well-known POS/POP transaction data and a variety of internal and external systems to combine information and provide modified transactions, related discounts and offers, and other relevant messaging to the payer. In addition, a specific method for analyzing for fraud within hybrid information transactions is disclosed and several examples to illustrate the invention are included.
摘要翻译：公开了实时修改事务的用于事务和非事务的多个数据流的系统和方法。此外，实时地使用交易信息作为触发不同的非交易响应的决定因素，并且公开了这两种方法的组合。特别地，由多个软件模块和数据库组成的网络能够将当前的POS / POP交易数据与各种其他外部数据源组合，以提供用于实时调整对交易的响应的改进信息。更具体地说，网络利用面向付费者的系统来与众所周知的POS / POP交易数据和各种内部和外部系统结合来分析数据，以组合信息并提供经修改的交易，相关的折扣和优惠以及其他相关消息传递付款人。此外，公开了用于分析混合信息事务中的欺诈的具体方法，并且包括说明本发明的几个示例。

2. 发明申请

US20120016728A1 PROCESSING NON-TRADITIONAL TRANSACTIONS ON A TRADITIONAL PAYMENT NETWORK 有权
标题翻译：处理传统支付网络的非传统交易
公开(公告)号：US20120016728A1
公开(公告)日：2012-01-19
申请号：US12835517
申请日：2010-07-13
申请人： Farhan Ahmad , Meeri Siljamaki
发明人： Farhan Ahmad , Meeri Siljamaki
IPC分类号： G06Q20/00 , G06Q30/00 , G06F17/30 , G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q30/0222 , G06Q40/12
摘要： A system for and methods of processing non-traditional payment transactions on a traditional payment network is disclosed. More specifically, a payments system includes one or more payment program managers (PPMs), which are the providers of alternative payment products, in combination with one or more payment program processors (PPPs), which serve as processors for the PPMs. The PPMs and PPPs operate on a payment network, such as a traditional payment network. The payments system includes the utilization of traditional bank identification numbers (BINS) in order to process non-traditional transactions on a traditional payment network. Surrogate numbers are issued on BIN ranges to the non-traditional transactions in order to process them on the traditional payment network. Additionally, the payments system includes pricing structures that are associated with alternative payment products. These pricing structures are implemented and processed on the payment network, alongside the pricing structures of traditional payment products.
摘要翻译：公开了一种在传统支付网络上处理非传统支付交易的系统和方法。更具体地说，支付系统包括作为替代支付产品的提供者的一个或多个支付计划管理者（PPM）与一个或多个支付程序处理器（PPP）组合，其用作PPM的处理器。 PPM和PPP在诸如传统支付网络的支付网络上操作。支付系统包括利用传统银行识别号码（BINS）来处理传统支付网络上的非传统交易。代理号码在BIN范围上发布到非传统交易，以便在传统支付网络上处理它们。此外，支付系统包括与替代支付产品相关联的定价结构。这些定价结构在支付网络上实施和处理，以及传统支付产品的定价结构。

3. 发明授权

US09940619B2 Processing non-traditional transactions on a traditional payment network 有权
公开(公告)号：US09940619B2
公开(公告)日：2018-04-10
申请号：US12835517
申请日：2010-07-13
申请人： Farhan Ahmad , Meeri Siljamaki
发明人： Farhan Ahmad , Meeri Siljamaki
IPC分类号： G06Q40/00 , G06Q20/40 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q30/02
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q30/0222 , G06Q40/12
摘要： A system for and methods of processing non-traditional payment transactions on a traditional payment network is disclosed. More specifically, a payments system includes one or more payment program managers (PPMs), which are the providers of alternative payment products, in combination with one or more payment program processors (PPPs), which serve as processors for the PPMs. The PPMs and PPPs operate on a payment network, such as a traditional payment network. The payments system includes the utilization of traditional bank identification numbers (BINS) in order to process non-traditional transactions on a traditional payment network. Surrogate numbers are issued on BIN ranges to the non-traditional transactions in order to process them on the traditional payment network. Additionally, the payments system includes pricing structures that are associated with alternative payment products. These pricing structures are implemented and processed on the payment network, alongside the pricing structures of traditional payment products.

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