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1. 发明申请

US20070083465A1 Method and system using bill payment reminders 审中-公开
标题翻译：方法和系统使用账单支付提醒
公开(公告)号：US20070083465A1
公开(公告)日：2007-04-12
申请号：US11329929
申请日：2006-01-10
申请人： Peter Ciurea , Christopher Aguas , Peter Mendiara
发明人： Peter Ciurea , Christopher Aguas , Peter Mendiara
IPC分类号： G06Q40/00
CPC分类号： G06Q20/14 , G06Q20/102 , G06Q30/04
摘要： A method for automatic bill payment is disclosed. The method includes providing for an automatic bill payment process for a user of a portable consumer device, where the automatic bill payment process automatically pays periodic bills of the user at predetermined times. The method also includes providing for an automatic reminder process, where the automatic reminder process automatically sends reminders to the user of the portable consumer device prior to the automatic payment of the bills at the predetermined time intervals.
摘要翻译：公开了一种自动账单支付的方法。该方法包括为便携式消费者设备的用户提供自动账单支付处理，其中自动账单支付处理在预定时间自动支付用户的周期性账单。该方法还包括提供自动提醒处理，其中自动提醒过程在以预定时间间隔自动支付纸币之前自动向便携式消费者设备的用户发送提醒。

2. 发明授权

US08706620B2 Restricted use currency 有权
标题翻译：限制使用货币
公开(公告)号：US08706620B2
公开(公告)日：2014-04-22
申请号：US13083231
申请日：2011-04-08
申请人： Peter Ciurea
发明人： Peter Ciurea
IPC分类号： G06Q40/00
CPC分类号： G06Q20/22 , G06Q20/10 , G06Q40/02
摘要： A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount.
摘要翻译：第一种方法包括在计算机设备处接收包括第一商户标识符的授权请求消息。请求消息还可以包括与帐户相关联的帐户标识符和用于与第一商家进行的第一交易的第一交易金额。第一种方法还包括由计算机设备确定帐户是否包括与可能用于进行第一交易的第一商家相关联的商户特定货币。然后可以确定是否存在与帐户中的第一商家相关联的足够的商家特定货币以支付第一交易金额。如果与第一商户相关联的商家特定货币不足以支付第一交易金额，则帐户中的非特定货币自动应用于第一交易金额的剩余部分。

3. 发明申请

US20080167991A1 MOBILE COUPON METHOD AND SYSTEM 有权
标题翻译：移动电话方法与系统
公开(公告)号：US20080167991A1
公开(公告)日：2008-07-10
申请号：US11960173
申请日：2007-12-19
申请人： Mark Carlson , Peter Ciurea
发明人： Mark Carlson , Peter Ciurea
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q30/02 , G06Q30/0215
摘要： A system and a method for using a portable consumer device such as a mobile phone are disclosed. In one embodiment, a method according to the present invention comprises referencing data regarding an individual consumer stored as part of a payment processing network to generate an electronic coupon targeted to the individual consumer. The electronic coupon is transmitted to a mobile device of the individual consumer over a communications network, and purchase transaction utilizing the electronic coupon is processed over the payment processing network. In certain embodiments, the electronic coupon may be generated based upon temporal and/or geographic information of a prior purchase transaction conducted using the payment processing network.
摘要翻译：公开了一种使用诸如移动电话的便携式消费设备的系统和方法。在一个实施例中，根据本发明的方法包括参考关于作为支付处理网络的一部分存储的个人消费者的数据，以生成针对个体消费者的电子券。电子优惠券通过通信网络传送到个人消费者的移动设备，并且通过支付处理网络处理使用电子优惠券的购买交易。在某些实施例中，可以基于使用支付处理网络进行的先前购买交易的时间和/或地理信息生成电子优惠券。

4. 发明授权

US10007915B2 Systems and methods to facilitate loyalty reward transactions 有权
公开(公告)号：US10007915B2
公开(公告)日：2018-06-26
申请号：US13356506
申请日：2012-01-23
申请人： Shantnu Singh , Michael Dreyer , Peter Ciurea , James Alan VonDerheide , Edward W. Fordyce, III
发明人： Shantnu Singh , Michael Dreyer , Peter Ciurea , James Alan VonDerheide , Edward W. Fordyce, III
IPC分类号： G06Q30/00 , G06Q20/40 , G06Q30/02
CPC分类号： G06Q20/405 , G06Q30/02 , G06Q30/0226 , G06Q30/0233
摘要： A communications system for financial transactions, such as payment transactions made via credit accounts, debit accounts, prepaid accounts, bank accounts, stored value accounts and the like, is enhanced and/or used to support reward transactions. Thus, the reward communications can be processed as transactions over the communications system in a way similar to and/or together with credit/debit transactions.

5. 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。

6. 发明申请

US20140236827A1 RESTRICTED USE CURRENCY 审中-公开
标题翻译：限制使用货币
公开(公告)号：US20140236827A1
公开(公告)日：2014-08-21
申请号：US14199885
申请日：2014-03-06
申请人： Peter Ciurea
发明人： Peter Ciurea
IPC分类号： G06Q20/22
CPC分类号： G06Q20/22 , G06Q20/10 , G06Q40/02
摘要： A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount.
摘要翻译：第一种方法包括在计算机设备处接收包括第一商户标识符的授权请求消息。请求消息还可以包括与帐户相关联的帐户标识符和用于与第一商家进行的第一交易的第一交易金额。第一种方法还包括由计算机设备确定帐户是否包括与可能用于进行第一交易的第一商家相关联的商户特定货币。然后可以确定是否存在与帐户中的第一商家相关联的足够的商家特定货币以支付第一交易金额。如果与第一商户相关联的商家特定货币不足以支付第一交易金额，则帐户中的非特定货币自动应用于第一交易金额的剩余部分。

7. 发明授权

US08626579B2 Systems and methods for closing the loop between online activities and offline purchases 有权
标题翻译：关闭在线活动和离线购买之间的循环的系统和方法
公开(公告)号：US08626579B2
公开(公告)日：2014-01-07
申请号：US13221632
申请日：2011-08-30
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0235 , G06Q30/0238 , G06Q30/0251 , G06Q30/0256 , G06Q30/0267 , G06Q30/0268 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.
摘要翻译：在一个方面，一种计算设备被配置为便于识别由在基本上分离的上下文或环境中发生的活动而导致的事务，诸如由在线广告产生的“实体”零售商店中的离线交易在线搜索计算装置可以将关于活动的信息和关于事务的信息相关联以使在线活动和离线交易相关联。匹配过程可能涉及使用折扣优惠，奖励，回扣，奖励，奖励积分，现金回赠，礼物等。该优惠将在与在线活动相关联的广告中提供并被赎回在通过交易处理程序处理的支付交易中，将广告和交易相关联。

8. 发明申请

US20130117184A1 Camera as a Vehicle to Identify a Merchant Access Device 有权
标题翻译：相机作为车辆识别商家访问设备
公开(公告)号：US20130117184A1
公开(公告)日：2013-05-09
申请号：US13720781
申请日：2012-12-19
申请人： Peter Ciurea
发明人： Peter Ciurea
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3224 , G06Q20/20 , G06Q20/3276 , G06Q30/06 , G06Q30/0613
摘要： Systems and methods of conducting a payment transaction using a mobile phone having a camera. The systems and methods receive an image of a merchant access device and optionally location data from a mobile device of a user engaged in the transaction. The systems and methods also receive transaction information associated with the transaction and account information associated with an account of the user. The systems and methods use the information to authorize or decline the transaction.
摘要翻译：使用具有照相机的移动电话进行支付交易的系统和方法。所述系统和方法从所述交易的用户的移动设备接收商家访问设备的图像和可选择的位置数据。系统和方法还接收与交易相关联的交易信息和与用户帐户相关联的帐户信息。系统和方法使用该信息来授权或拒绝交易。

9. 发明申请

US20120030047A1 PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：付款归位装置，方法和系统
公开(公告)号：US20120030047A1
公开(公告)日：2012-02-02
申请号：US13153301
申请日：2011-06-03
申请人： Jacob Fuentes , Matthew Dill , Greg Trifiletti , Peter Ciurea , Ayman Hammad
发明人： Jacob Fuentes , Matthew Dill , Greg Trifiletti , Peter Ciurea , Ayman Hammad
IPC分类号： G06Q30/06
CPC分类号： G06Q20/32 , G06Q20/04 , G06Q20/425 , G06Q30/0601
摘要： The PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS (“PT”) transform payment token-based purchase orders via PT components into multi-issuer purchase payment funds transfers. In one embodiment, the PT obtains a token arbitration request including unique source-neutral universally-resolvable payment token information from a merchant for processing a purchase order from a user. The PT queries a token database for issuer information on an issuer using the payment token information, and obtains the issuer information. The PT also determines that the user should be queried for payment options based on the issuer information, generates a payment options request, and provides the payment options request to a mobile device of the user. Upon obtaining a response to the payment options request from the mobile device of the user, the PT generates a purchase authorization request based on the payment options and pre-defined settings for issuers to be contacted for processing the purchase order, and provides the generated purchase authorization request to the issuer.
摘要翻译：付款授权设备，方法和系统（“PT”）通过PT组件将基于付款令牌的采购订单转换为多发行商购买支付资金转帐。在一个实施例中，PT从商家获得包括来自商家的唯一源中性普遍可解析支付令牌信息的令牌仲裁请求，用于处理来自用户的采购订单。 PT使用支付令牌信息查询令牌数据库中的发行者信息，获得发行者信息。 PT还确定基于发行者信息查询用户的付款选项，生成支付选项请求，并向用户的移动设备提供支付选项请求。在从用户的移动设备获得对付款选项请求的响应时，PT基于用于处理采购订单的要联系的发行者的支付选项和预定义设置生成购买授权请求，并且提供所生成的购买对发行人的授权请求。

10. 发明申请

US20110302022A1 Systems and Methods for Closing the Loop between Online Activities and Offline Purchases 有权
公开(公告)号：US20110302022A1
公开(公告)日：2011-12-08
申请号：US13221632
申请日：2011-08-30
申请人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
发明人： Edward W. Fordyce, III , Michelle Eng Winters , Kevin Paul Siegel , Leigh Amaro , Charles Raymond Byce , Nurtekin Savas , Peter Ciurea , James Alan VonDerheide , Diane C. Salmon
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/10 , G06Q30/0235 , G06Q30/0238 , G06Q30/0251 , G06Q30/0256 , G06Q30/0267 , G06Q30/0268 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to facilitate the identification of a transaction resulting from an activity occurring in a substantially separate context or environment, such as an offline transaction in a “brick and mortar” retail store resulting from an online advertisement or an online search. The computing apparatus may match information about the activity and information about the transaction to correlate the online activity and the offline transaction. The matching process may involve the use of an offer for a discount, an incentive, a rebate, a reward, reward points, cash back, a gift, etc. The offer is to be provided in the advertisement associated with an online activity and redeemed in a payment transaction, processed via the transaction handler, to correlate the advertisement and the transaction.

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