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1. 发明公开

EP3026619A1 METHOD AND SYSTEM FOR HYBRID PAYMENT CARD 无效
标题翻译： VERFAHREN UND系统FÜRHYBRIDE ZAHLUNGSKARTE
公开(公告)号：EP3026619A1
公开(公告)日：2016-06-01
申请号：EP15196495.4
申请日：2015-11-26
申请人： MasterCard International Incorporated
发明人： ACOSTA, Marina
IPC分类号： G06Q20/28 , G06Q20/34 , G06Q20/40
CPC分类号： G06Q20/3572 , G06Q20/24 , G06Q20/28 , G06Q20/34 , G06Q20/3433 , G06Q20/382 , G06Q20/40 , G06Q20/405
摘要： A method for processing a payment transaction using a hybrid payment card includes: storing an account profile, the profile including data related to a hybrid payment card including a prepaid balance and a credit allowance; receiving a validation request, the request including a transaction amount; processing the received validation request, the processing including: generating a positive validation response and a validation transaction that indicates payment is made using the prepaid balance if the prepaid balance is greater than the transaction amount, generating a positive validation response and a validation transaction that indicates payment is made using the credit allowance if the prepaid balance is less than the transaction amount and if the credit allowance is greater than the transaction amount, and generating a negative validation response if the prepaid balance and credit allowance are less than the transaction amount; and transmitting the generated validation response.
摘要翻译：使用混合支付卡处理支付交易的方法包括：存储帐户简档，该简档包括与包括预付余额和信用余额的混合支付卡相关的数据; 接收验证请求，该请求包括交易金额; 处理所接收的确认请求，所述处理包括：如果所述预付余额大于所述交易金额，则生成正确的确认响应和指示使用所述预付余额进行支付的确认交易，生成正确的确认响应和指示如果预付余额少于交易金额，信用额度大于交易金额，则按照信用额度进行支付，如果预付余额和信贷额度低于交易金额则产生负面确认响应; 并发送所生成的验证响应。

2. 发明公开

EP3014547A1 CLOSED-LOOP STORED VALUE PAYMENT INSTRUMENT BROKERAGE 审中-公开
标题翻译： MEMORY支付工具在闭环PLACEMENT
公开(公告)号：EP3014547A1
公开(公告)日：2016-05-04
申请号：EP14817198.6
申请日：2014-06-23
申请人： Amazon Technologies, Inc.
发明人： PLASTER, Thomas, Willard , BISHOP, Scott, Kenneth , FUHRMANN, Joshua, Kassoy , LAIRD, Eric, Michael , NORWOOD, Jonathan, Blair
IPC分类号： G06Q30/00
CPC分类号： G06Q20/08 , G06Q20/3433 , G06Q20/354 , G06Q20/3558 , G06Q20/3672 , G07F17/42
摘要： Closed-loop stored value payment instruments may be issued, sold and managed on behalf of a merchant through a third party electronic commerce system. Upon purchase of a closed-loop stored value payment instrument through the third party electronic commerce system, a payment aggregator may be notified of the purchase and the closed-loop stored-value payment instrument may be activated. A printer or other manufacturer may also be notified of the purchase so that a closed-loop stored value payment instrument embodied in a physical card, may be created on demand in response to the purchase and then shipped to the purchasing customer on behalf of the merchant.

3. 发明公开

EP2037422A3 Data processing capability for card based bill payment for copying service 审中-公开
标题翻译：基于卡支付服务复印的发票的数据处理功能
公开(公告)号：EP2037422A3
公开(公告)日：2010-03-24
申请号：EP08164146.6
申请日：2008-09-11
申请人： Xerox Corporation
发明人： Buck, Kenneth J. , Mukund, Vanditha
IPC分类号： G07F7/02 , G07F17/26 , G07F7/00 , G07F7/08 , G07F7/10 , G07G3/00
CPC分类号： G07G3/006 , G06Q20/105 , G06Q20/341 , G06Q20/342 , G06Q20/3433 , G06Q20/355 , G06Q20/4033 , G07F7/02 , G07F7/025 , G07F7/08 , G07F7/1008 , G07F17/0014 , G07F17/26 , G07G1/009
摘要： A data processing card includes computer-readable data relating to at least one of processing information and payment information for a print job. The card includes an unpaid for limit associated with processing the print job. A card includes information indicative of a payment source associated with a user. The card further includes computer-readable data corresponding to user information for processing and payment for a print job. A card enables a first party to program the card to relate the data to processing and payment for the print job, to program the card create or access an account for the first party or a second party, and the card contains data for processing or payment for a print job via the account. A method includes following a user executing a print job, an electronic article surveillance reader alarms if a tag is within the read range of the reader.

4. 发明公开

EP1926043A1 Traitement des pièces de monnaie lors des paiements par l'emploi d'une carte 审中-公开
标题翻译： Behandlung vonMünzen在Zahlungen mittels einer Karte
公开(公告)号：EP1926043A1
公开(公告)日：2008-05-28
申请号：EP06386038.1
申请日：2006-11-27
申请人： Grigorios, Kartasis , Basiliki, Bakatsi
发明人： Grigorios, Kartasis , Basiliki, Bakatsi
IPC分类号： G06Q20/00 , G07F7/02
CPC分类号： G07F7/02 , G06Q20/3433
摘要： Un traitement continu, de pièces de monnaie, que avec la contribution d'un régulateur « lorsqu'il découlera un blocage, d'une fréquence rare », le consommateur, qui sera présent, toujours devant la caisse, contrôlera et décidera pour le déblocage, par le ou la caissier et continuera ses actions quotidiennes pour ses achats.
Le résultat de ce traitement, parmi d'extensions nombreuses et importantes de son utilité, pour les citoyens d'un pays, il apportera encore : a) un profit pour les enfants, que UNICEF protège, avec le concours d'une nouvelle carte plastique, pendant les provisions des consommateurs: b) surtout aussi le gain d'un temps et pour tout les deux qui collaborent devant une caisse, grâce au «nouveau» traitement, de pièces de monnaie... «sans pièces de monnaie», via une coopération dialogique, amicale et confortable, parmi deux travailleurs qui sont :(le consommateur et le caissier), qui collaborent, presque journalier, l'un devant l'autre, chacun pour sa famille.
摘要翻译：算术元素确定可交换值。使用另一算术元素作为前一元素来确定通过使用算法来处理硬币的每个消费者的适当帐户的位置中的非付费金额。这些要素与消费者的购买操作有关，购买不适合消费或不正确注册的收银员取消的退货事件。联合国儿童基金会卡是强制购买行为。每个消费者的适当帐户在两个确定的限制之间。

5. 发明公开

EP1415254A4 SYSTEM AND METHOD FOR USING A PREPAID CARD 审中-公开
标题翻译：系统和方法对于使用预付费卡
公开(公告)号：EP1415254A4
公开(公告)日：2007-08-22
申请号：EP02734043
申请日：2002-04-23
申请人： MASTERCARD INTERNATIONAL INC
发明人： RISAFI NICOLE N , HUNTER BURNETT D , MCKENZIE KEVIN , WIGGINS JANICE , STANGLE BRIAN , FORTE VINCENT JOHN CHARLES
IPC分类号： G06K17/00 , G06Q20/00 , G07F7/02 , G06F17/60
CPC分类号： G06Q20/4014 , G06Q20/04 , G06Q20/342 , G06Q20/3433 , G07F7/02 , G07F7/025
摘要： A system and method for transferring money by use of a prepaid card account (100) is disclosed wherein two cards are issued to the user accountholder (10,902), one of which is provided to another user, and either user may add value to the prepaid account (512,514) so that the other may use the card and that value in a financial transaction. The financial transaction includes the purchase of products and services, including telephone services (1026).

6. 发明授权

EP1064776B1 PROCEDE DE GESTION SECURISEE D'UN COMPTEUR D'UNITES ET MODULE DE SECURITE METTANT EN OEUVRE LE PROCEDE 有权
标题翻译： PROCEDURE一个安全的单位支付管理和相关的安全设备
公开(公告)号：EP1064776B1
公开(公告)日：2007-07-18
申请号：EP99902634.7
申请日：1999-02-10
申请人： GEMPLUS
发明人： KOCH-HOURRIEZ, Carole-Audrey , PAULIAC, Mireille, Résidence Clair Soleil , BANCHELIN, Xavier
IPC分类号： H04M17/00 , H04M17/02 , G07F7/10
CPC分类号： H04M17/02 , G06Q20/3433 , G07F7/02 , G07F7/0866
摘要： The invention concerns a method for securely managing a units counter in an electrically programmable and erasable memory, whereby a number of units consumed by users is recorded by means of a counter, consisting in breaking down the units counter into at least two memory zones (A, B), one first zone (A) wherein a bit is stored per unit consumed and a second zone (B) wherein the value corresponding to the accumulation of bits consumed is stored, the second zone being only updated when the number of units consumed exceeds or reaches the number of non-stored bits in the first zone. The invention is applicable to security modules provided in telephone terminals.

7. 发明公开

EP1700259A2 SYSTEMS AND METHODS FOR STAGING TRANSACTIONS, PAYMENTS AND COLLECTIONS 审中-公开
标题翻译：系统以及进行交易和支付方法兑现
公开(公告)号：EP1700259A2
公开(公告)日：2006-09-13
申请号：EP04784261.2
申请日：2004-09-15
申请人： First Data Corporation
发明人： BLAIR, Paul , HANSEN, Kurt , MOORE, Gary
IPC分类号： G06Q10/00
CPC分类号： G07F7/02 , G06Q20/02 , G06Q20/04 , G06Q20/042 , G06Q20/085 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/20 , G06Q20/28 , G06Q20/342 , G06Q20/3433 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/3821 , G06Q20/383 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/0207 , G06Q30/04 , G06Q30/06 , G06Q30/0601 , G06Q40/00 , G07F7/025
摘要： The present invention relates to systems and methods for staging transactions and facilitating payments by consumers to a lender or merchant to consummate a financial transaction and/or to maintain a financial relationship. In one embodiment, a method for accepting payments from a consumer includes receiving a promise-to-pay record from a lender (210), receiving a payment from the consumer (220), associating the payment with the promise-to-pay record (230), and sending a notice to the lender (240), with the notice having an indicator that the payment has been received.

8. 发明公开

EP1221669A4 ELECTRONIC VALUE SYSTEM 审中-公开
标题翻译：电子价值体系
公开(公告)号：EP1221669A4
公开(公告)日：2006-05-03
申请号：EP01934413
申请日：2001-05-30
申请人： NTT DOCOMO INC
发明人： KINOSHITA MASAKI , YAMASHITA TETSUYA
IPC分类号： G06Q10/00 , G06Q20/00 , G06Q20/02 , G06Q20/06 , G06Q20/30 , G06Q20/32 , G06Q20/36 , G06Q50/00 , G07F7/02 , G07F7/08 , G07F7/10 , G06F17/60
CPC分类号： G06Q20/0658 , G06Q20/06 , G06Q20/32 , G06Q20/3229 , G06Q20/341 , G06Q20/3433 , G06Q20/363 , G06Q20/367 , G06Q20/382 , G06Q20/38215 , G06Q20/3823 , G06Q20/389 , G06Q20/425 , G07F7/02 , G07F7/0866 , G07F7/0886 , G07F7/1008
摘要： An efficient tracking of amount of money in an electronic money information system is implemented. A moving machine, which is typically a portable phone mounted thereon with a UIM (User Identity Module) carrying electronic values, transfers values with an electronic bank server, other moving machines and apparatuses incorporating moving machines. The electronic bank server keeps track of a value deposited in an electronic value account and a value balance downloaded to the UIM, and updates these values on receiving a signed log for value transferred transactions. The log is transmitted periodically or as needed by one or both of the moving machines at transaction-related parties.

9. 发明授权

EP0708547B1 Cellular telephone as an authenticated transaction controller 失效
标题翻译： Zellulartelefon als authentifiziertes Abrechnungs-Kontrollgerät
公开(公告)号：EP0708547B1
公开(公告)日：2002-05-02
申请号：EP95306493.8
申请日：1995-09-14
申请人： AT&T Corp.
发明人： Waring Partridge III, B.
IPC分类号： H04M17/02 , H04Q7/20 , H04N7/16
CPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/327 , G06Q20/3433 , G06Q20/4037 , G07F7/02 , G07F7/08 , H04M15/00 , H04M15/68 , H04M17/02 , H04M2215/0196 , H04N7/165 , H04W12/06 , H04W12/08 , H04W88/02

10. 发明授权

EP0823104B1 ELEKTRONISCHE BÖRSENKARTE UND VERFAHREN ZUM WIEDERAUFLADEN EINER ELEKTRONISCHEN BÖRSENKARTE 失效
标题翻译：电子钱包卡和方法进行充电的电子钱包卡
公开(公告)号：EP0823104B1
公开(公告)日：1999-02-03
申请号：EP96912007.0
申请日：1996-04-09
申请人： SIEMENS AKTIENGESELLSCHAFT
发明人： SCHRENK, Hartmut
IPC分类号： G07F7/08 , G07F7/02
CPC分类号： G07F7/0866 , G06Q20/3433 , G07F7/02
摘要： An electronic credit card is disclosed, as well as a process for reloading an electronic credit card having an integrated semiconductor circuit that consists of at least one address and control logic circuit and a non-volatile memory with at least one erasable part. The memory addresses of the area of the non-volatile memory in which the value units of the credit card are stored are subdivided into partial zones (stages 1 to 5) of different priorities (orders of priority 1, 8, 64, 512, 4096). Memory addresses may only be erased if all memory addresses of a partial zone having a determined priority are erased at the same time, and each partial zone may only be erased after a carry-over value is written in a previously unwritten memory address of the partial zone having the next higher order or priority. The invention is characterised in that release values stored in a release register of the credit card are associated with the value units of at least the memory addresses of the highest priority partial zone (stage 5). These release values represent a release or a locking state for the associated value stored in the memory addresses of at least the highest priority partial zone. The value stored in the credit card may only be increased after the state of a release value associated with a memory address is changed from a locking state to a release state.

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