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1. 发明申请

WO2013028910A2 MOBILE FUNDING METHOD AND SYSTEM 审中-公开
标题翻译：移动资助方法与系统
公开(公告)号：WO2013028910A2
公开(公告)日：2013-02-28
申请号：PCT/US2012/052140
申请日：2012-08-23
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , POURFALLAH, Stacy , RAJ, Thanigaivel Ashwin
发明人： POURFALLAH, Stacy , RAJ, Thanigaivel Ashwin
IPC分类号： G06Q20/10 , G06Q20/32 , G06Q40/02
CPC分类号： G06Q20/10 , G06Q20/325
摘要： Systems and methods for mobile funding are provided. One such method comprises receiving a transaction request to transfer funds from a payor to a payee. The transaction request can include a payor device identifier, a payee device identifier and an amount. A payor account identifier associated with the payor device identifier, and a payee account identifier associated with the payee device identifier can each be determined. Additionally, a first service provider associated with the payor device can be determined based on the payor device identifier, and a second service provider associated with the payee device can be determined based on the payee device identifier. The transfer of funds from the first service provider to the second service provider can then be initiated using the payor account identifier and the payee account identifier. At least one of the first and second service providers is a mobile network operator.
摘要翻译：提供移动资金的系统和方法。一种这样的方法包括接收交易请求以将资金从付款人转移到收款人。交易请求可以包括付款人设备标识符，收款人设备标识符和金额。可以分别确定与付款方设备标识符相关联的付款人帐户标识符和与收款人设备标识符相关联的收款人帐户标识符。此外，可以基于付款人设备标识符来确定与支付者设备相关联的第一服务提供商，并且可以基于收款人设备标识符来确定与收款人设备相关联的第二服务提供商。然后可以使用付款人帐户标识符和收款人帐户标识符来启动资金从第一服务提供商转移到第二服务提供商。第一和第二服务提供商中的至少一个是移动网络运营商。

2. 发明申请

WO2007146817A2 SYSTEM AND METHOD USING EXTENDED AUTHORIZATION HOLD PERIOD 审中-公开
标题翻译：使用延长授权期限的系统和方法
公开(公告)号：WO2007146817A2
公开(公告)日：2007-12-21
申请号：PCT/US2007/070780
申请日：2007-06-08
申请人： VISA USA INC. , VISA INTERNATIONAL SERVICE ASSOCIATION , POURFALLAH, Stacy , PRUITT, Janet , KAYMOUI, Roxanna , FRANZ, Doug
发明人： POURFALLAH, Stacy , PRUITT, Janet , KAYMOUI, Roxanna , FRANZ, Doug
IPC分类号： G06Q10/00
CPC分类号： G06Q10/10 , G06F19/00 , G06Q40/02 , G06Q50/22
摘要： Embodiments of the present invention relate to methods and apparatuses serving to provide assurance that healthcare providers will receive payment for services rendered. In one embodiment, a payment card (or other portable consumer device) provides an extended authorization hold period (for example up to 21 days). This hold period allows the healthcare provider to request authorization for payment from the patient's credit, debit, FSA, HRA, or HSA payment card, submit the insurance claim, and then upon receipt of a health insurance carrier's Explanation of Benefits (EOB) within the hold period, submit for settlement only that amount actually due from the patient. In accordance with an alternative embodiment, pending receipt of the EOB from the insurer, the healthcare provider flags a transaction in a point-of-sale (POS) terminal device or server for storage and delayed submittal over an electronic payment network. Embodiments in accordance with the present invention are particularly applicable to payment of claims in healthcare plans following adjudication by a payer.
摘要翻译：本发明的实施例涉及用于提供医疗保健提供者将接收对所呈现的服务的支付的保证的方法和装置。在一个实施例中，支付卡（或其他便携式消费者设备）提供延长的授权保留期限（例如长达21天）。该持续期允许医务人员从病人的信用卡，借记卡，FSA，HRA或HSA支付卡中请求授权，提交保险索赔，然后在收到健康保险运营商的福利解释（EOB）内持有期间，仅提交实际到期的患者人数。根据替代实施例，在从保险公司收到EOB之前，医疗保健提供者标记在销售点（POS）终端设备或服务器中的交易以存储并通过电子支付网络延迟提交。根据本发明的实施例特别适用于在付款人裁决之后支付医疗保健计划中的索赔。

3. 发明申请

WO2012116125A1 UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：通用电子付款设备，方法和系统
公开(公告)号：WO2012116125A1
公开(公告)日：2012-08-30
申请号：PCT/US2012/026205
申请日：2012-02-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , KATZIN, Edward , HUA, Julian , STOREY, Gregory Kenneth , MORI, Michael , SHRIVASTAVA, Abhinav , BHARGAVA, Amit , BECK, Andrew , HAMMAD, Ayman , PFISTERER, Ben , SALMON, Diane , KARPENKO, Igor , SCHULZ, Jennifer , GAVRILOV, Miroslav , CIUREA, Peter , FAITH, Patrick , KUMNICK, Phillip , CHATTERJEE, Saurav , BADEA, Sebastian , LI, Shaw , JHA, Shipra , POURFALLAH, Stacy , FRENCH, Susan , THEURER, Tenni , HARRIS, Theodore , PURVES, Thomas , PANDEY, Vanita , GRAHAM, Victoria , HARIRAMANI, Prakash
发明人： KATZIN, Edward , HUA, Julian , STOREY, Gregory Kenneth , MORI, Michael , SHRIVASTAVA, Abhinav , BHARGAVA, Amit , BECK, Andrew , HAMMAD, Ayman , PFISTERER, Ben , SALMON, Diane , KARPENKO, Igor , SCHULZ, Jennifer , GAVRILOV, Miroslav , CIUREA, Peter , FAITH, Patrick , KUMNICK, Phillip , CHATTERJEE, Saurav , BADEA, Sebastian , LI, Shaw , JHA, Shipra , POURFALLAH, Stacy , FRENCH, Susan , THEURER, Tenni , HARRIS, Theodore , PURVES, Thomas , PANDEY, Vanita , GRAHAM, Victoria , HARIRAMANI, Prakash
IPC分类号： G06Q30/00
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 APPARATUSES, 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。

4. 发明申请

WO2012122065A1 HEALTHCARE WALLET PAYMENT PROCESSING APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：健康钱包付款处理设备，方法和系统
公开(公告)号：WO2012122065A1
公开(公告)日：2012-09-13
申请号：PCT/US2012/027633
申请日：2012-03-03
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , POURFALLAH, Stacy , LUTZEN, Renee
发明人： POURFALLAH, Stacy , LUTZEN, Renee
IPC分类号： G06Q10/00
CPC分类号： G06Q50/22 , G06F19/00 , G06F19/328 , G06Q20/102 , G06Q30/0601 , G16H10/60
摘要： The HEALTHCARE WALLET PAYMENT PROCESSING APPARATUSES, METHODS AND SYSTEMS (hereinafter "H-Wallet") transforms patient insurance information, and healthcare procedure schedule information inputs via H-Wallet components into medical claim settlement outputs. In one embodiment, a method is disclosed, comprising: obtaining a user healthcare payment request including user credentials; retrieving healthcare product details and a payment amount from the user healthcare payment request; obtaining balance information of a list of user accounts; determining a recommended account for the obtained user healthcare payment request based on the retrieved healthcare product details, payment amount and the obtained balance information; transmitting a list of user account including the recommended account with the obtained balance information to the user mobile device; receiving a user selection of the recommended account; verifying payment eligibility of the recommended account for the obtained payment request; and processing fund transfer from the recommended account to a healthcare provider.
摘要翻译：健康钱包付款处理设备，方法和系统（以下简称“H-Wallet”）将患者保险信息，以及通过H-Wallet组件输入医疗保健程序时间表信息转化为医疗赔偿结算输出。在一个实施例中，公开了一种方法，包括：获得包括用户凭证的用户医疗支付请求; 从用户医疗支付请求中检索保健产品详细信息和支付金额; 获取用户帐户列表的余额信息; 基于检索到的保健产品详细信息，支付金额和所获得的余额信息确定所获得的用户医疗支付请求的推荐账户; 向所述用户移动设备发送包括所推荐帐户的用户帐户列表与所获得的余额信息; 接收用户选择推荐的帐户; 验证获得的付款请求的推荐账户的支付资格; 并将资金从推荐账户转入医疗保健提供者。

5. 发明申请

WO2013126815A1 DATA SECURITY SYSTEM USING MOBILE COMMUNICATIONS DEVICE 审中-公开
标题翻译：使用移动通信设备的数据安全系统
公开(公告)号：WO2013126815A1
公开(公告)日：2013-08-29
申请号：PCT/US2013/027481
申请日：2013-02-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： POURFALLAH, Stacy , YANG, Jessica , MAHADKAR, Shilpak
IPC分类号： G06Q40/02 , H04W12/06
CPC分类号： H04L63/083 , G06Q20/1085 , G06Q20/3221 , G06Q40/02 , H04L63/108 , H04W12/06
摘要： Embodiments of the invention provide systems and methods to unlock an account associated with a user for a limited period of time to enable the user conduct a transaction using funds from that account. In one embodiment of the invention, the user may select options relating to the transaction using a payment menu provided at a mobile communications device associated with the user. A notification message is received at the mobile communications device informing the user that the account is unlocked for a certain period of time and for a certain amount. After the transaction is complete, the user is notified and the account is locked again.
摘要翻译：本发明的实施例提供了在有限的时间段内解除与用户相关联的帐户的系统和方法，以使用户能够使用来自该账户的资金进行交易。在本发明的一个实施例中，用户可以使用在与用户相关联的移动通信设备处提供的支付菜单来选择与交易相关的选项。在移动通信设备处接收到通知消息，通知用户帐户被解锁一定时间段和一定量。交易完成后，系统会通知用户，并重新锁定帐户。

6. 发明公开

EP2678812A1 UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：通用设备，电子支付的方法和系统
公开(公告)号：EP2678812A1
公开(公告)日：2014-01-01
申请号：EP12749451.6
申请日：2012-02-22
申请人： Visa International Service Association
发明人： KATZIN, Edward , HUA, Julian , STOREY, Gregory Kenneth , MORI, Michael , SHRIVASTAVA, Abhinav , BHARGAVA, Amit , BECK, Andrew , HAMMAD, Ayman , PFISTERER, Ben , SALMON, Diane , KARPENKO, Igor , SCHULZ, Jennifer , GAVRILOV, Miroslav , CIUREA, Peter , FAITH, Patrick , KUMNICK, Phillip , CHATTERJEE, Saurav , BADEA, Sebastian , LI, Shaw , JHA, Shipra , POURFALLAH, Stacy , FRENCH, Susan , THEURER, Tenni , HARRIS, Theodore , PURVES, Thomas , PANDEY, Vanita , GRAHAM, Victoria , HARIRAMANI, Prakash
IPC分类号： G06Q30/00
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 APPARATUSES, 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.

7. 发明申请

WO2008133721A1 DETERMINATION OF HEALTHCARE COVERAGE USING A PAYMENT ACCOUNT 审中-公开
标题翻译：使用付款帐户确定医疗保险
公开(公告)号：WO2008133721A1
公开(公告)日：2008-11-06
申请号：PCT/US2007/084179
申请日：2007-11-08
申请人： VISA U.S.A. INC , PATTERSON, Barbara , POURFALLAH, Stacy , PRUITT, Janet , NGUYEN, Loc , SMITH, Nigel
发明人： PATTERSON, Barbara , POURFALLAH, Stacy , PRUITT, Janet , NGUYEN, Loc , SMITH, Nigel
IPC分类号： G06Q50/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q50/22
摘要： Healthcare insurance coverage is determined using an account within a payment processing system. A transmission addressed to the payment processing system is formed including an account number of an account associated with the payment processing system, a description of a healthcare related commodity rendered to a patient deriving healthcare insurance through an insured, and request for a specification of financial responsibility of the insured for the described said healthcare related commodity. A transmission is received from the payment processing system including the requested specification of financial responsibility.
摘要翻译：医疗保险覆盖率是使用支付处理系统中的帐户确定的。构成了支付处理系统的传输，包括与支付处理系统相关联的帐户的帐号，通过被保险人提供给患者医疗保险的医疗保健相关商品的描述，以及对财务责任的规定的请求被保险人所述的医疗相关商品。从支付处理系统接收到包括所要求的财务责任规范的传输。

8. 发明申请

WO2010065910A3 AUTOMATED SUBSTANTIATION OF PRODUCT LEVEL SPECIFIC ACCOUNT PAYMENTS 审中-公开
公开(公告)号：WO2010065910A3
公开(公告)日：2010-06-10
申请号：PCT/US2009/066847
申请日：2009-12-04
申请人： VISA U.S.A. INC. , POURFALLAH, Stacy , PRUITT, Janet
发明人： POURFALLAH, Stacy , PRUITT, Janet
IPC分类号： G06Q20/00
摘要： Transactions are processed in which payment is made using an account, such as a health savings account or other type of account in which cardholder purchases are limited to, and/or are documented for, a pre-designated set of merchandise. When a transaction occurs, the purchased products are identified and a determination made whether each product is qualified for purchase under the account. An account transaction record is stored which identifies the date of the transaction, the account, each item that is qualified under the account, a description and quantity of each item, and the total monetary amount of the transaction related to such qualified items. The account transaction records for a particular consumer are used to generate a report that contains data for every transaction on the account. The report can be limited to those transactions that occurred during a period of time, such as a calendar year.

9. 发明申请

WO2011020039A2 AUTO-SUBSTANTIATION FOR HEALTHCARE UPON SPONSOR ACCOUNT THROUGH PAYMENT PROCESSING SYSTEM 审中-公开
标题翻译：通过支付处理系统对赞助商账户进行医疗保健的自动实施
公开(公告)号：WO2011020039A2
公开(公告)日：2011-02-17
申请号：PCT/US2010/045500
申请日：2010-08-13
申请人： VISA U.S.A. INC. , CERVENKA, Karen, L. , POURFALLAH, Stacy , TAYLOR, Mary, Theresa
发明人： CERVENKA, Karen, L. , POURFALLAH, Stacy , TAYLOR, Mary, Theresa
IPC分类号： G06Q50/00 , G06Q20/00
CPC分类号： G06Q20/385 , G06F19/00 , G06Q10/10 , G06Q20/20 , G06Q20/28 , G06Q50/22
摘要： An issuer receives an authorization request from healthcare provider that includes an account, an identifier for a healthcare service and its cost to a patient, and an identifier for a single purpose card for the redemption of the cost of the healthcare service. The issuer validates use of the account to pay the cost, sends an authorization approval to the healthcare provider, and deactivates the identifier for the single purpose card for future use. A request for insufficient funds, when the account is determined to be deficient, is sent to a sponsor to whom the issuer issued account. The cost in the authorization request can include a total purchase amount and a qualified amount of the total purchase amount, and the issuer can validate that the account can be used the for payment of the qualified amount of the total purchase amount for the healthcare service.
摘要翻译：发行人接收来自医疗保健提供者的授权请求，该授权请求包括账户，医疗服务的标识符及其对患者的费用，以及用于单一用途卡的标识符以用于赎回医疗服务。发行者验证使用账户支付成本，向保健提供者发送授权批准，并且停用单张用途卡的标识符以备将来使用。当账户被确定为不足时，资金不足的请求被发送给发行人发行账户的保荐人。授权请求中的成本可以包括总购买金额和总购买金额的合格金额，并且发行者可以验证该帐户可以用于支付用于医疗服务的总购买金额的合格金额。

10. 发明申请

WO2009094547A1 SYSTEM AND METHOD FOR CONDUCTING TRANSACTIONS WITH A FINANCIAL PRESENTATION DEVICE LINKED TO MULTIPLE ACCOUNTS 审中-公开
标题翻译：用与多个账户相连的财务呈现设备进行交易的系统和方法
公开(公告)号：WO2009094547A1
公开(公告)日：2009-07-30
申请号：PCT/US2009/031846
申请日：2009-01-23
申请人： VISA U.S.A. INC. , PATTERSON, Barbara , ALPERT, Kelly , SCHULZ, Jennifer , POURFALLAH, Stacy
发明人： PATTERSON, Barbara , ALPERT, Kelly , SCHULZ, Jennifer , POURFALLAH, Stacy
IPC分类号： G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/20 , G06Q20/202 , G06Q20/204
摘要： System for conducting a financial transaction with a single financial presentation device linked to multiple financial accounts stores financial account information of multiple financial accounts associated with the presentation device, and a set of predetermined rules for determining which of the financial accounts is to be used to conduct a financial transaction. A linked-account processing program receives an authorization request for the financial transaction which has been initiated at a merchant's computer using the presentation device. The program determines whether the presentation device is associated with multiple financial accounts, and if so, selects one account among the multiple linked financial accounts based on the predetermined set of rules, and routes the authorization request to an issuer of the selected financial account.
摘要翻译：与多个金融账户相连的单个财务呈现装置进行金融交易的系统存储与呈现装置相关联的多个金融账户的财务账户信息，以及一组用于确定哪个金融账户将用于执行的预定规则金融交易。链接帐户处理程序接收使用呈现装置在商家的计算机上发起的金融交易的授权请求。该程序确定呈现设备是否与多个财务帐户相关联，如果是，则基于预定的规则集在多个链接的金融账户中选择一个账户，并将授权请求路由到所选择的金融账户的发行者。

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