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11. 发明授权

US08504478B2 Systems, methods and computer program products for performing mass transit merchant transactions 有权
标题翻译：用于执行公共交通商人交易的系统，方法和计算机程序产品
公开(公告)号：US08504478B2
公开(公告)日：2013-08-06
申请号：US13342576
申请日：2012-01-03
申请人： Peter D. Saunders , Lesley Leggatt , I-Hsin Chuang , John J. Oh
发明人： Peter D. Saunders , Lesley Leggatt , I-Hsin Chuang , John J. Oh
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/20 , G06Q20/202 , G06Q20/32 , G06Q20/352 , G06Q20/385 , G06Q20/40 , G06Q30/06 , G07B15/02
摘要： Methods, systems and computer program products are provided for enabling access to mass transit systems using a financial transaction instrument including reading an identifier including financial payment information from the financial transaction instrument and determining whether the identifier is stored in a database. Access to a holder of the financial transaction instrument is provided based on the determining.
摘要翻译：提供了方法，系统和计算机程序产品，用于使用金融交易工具访问公共交通系统，包括从金融交易工具读取包括金融支付信息的标识符，并确定标识符是否存储在数据库中。根据确定提供对金融交易工具持有人的访问。

12. 发明申请

US20130054412A1 METHODS AND SYSTEMS FOR CONTACTLESS PAYMENTS FOR ONLINE ECOMMERCE CHECKOUT 审中-公开
标题翻译：在线生态检疫联合支付的方法和系统
公开(公告)号：US20130054412A1
公开(公告)日：2013-02-28
申请号：US13215111
申请日：2011-08-22
申请人： Brian Brendell , I-Hsin Chuang , Carlos Korten , Nicole Lewis
发明人： Brian Brendell , I-Hsin Chuang , Carlos Korten , Nicole Lewis
IPC分类号： G06Q30/06
CPC分类号： G06Q20/12 , G06Q20/3278 , G06Q30/06
摘要： A process of conducting a contactless payment in an online transaction comprises initiating, at a computer-based system, an online transaction based on a consumer selection, transmitting, from an RF device, consumer information to the computer-based system. The consumer information may provide at least one of shipping information, account information, and billing information for completing the online transaction. Further, the method includes populating a check-out screen with consumer information from the radio frequency device. The consumer is able to confirm the online transaction and associated information prior to submission for processing. In various embodiments of conducting the contactless payment of an online transaction, the RF device may be at least one of a transponder, a mobile phone, a smart phone, or a fob. The contactless-enabled device may at least one of a desktop computer, a laptop computer, a tablet computer, a notebook computer, a mobile phone, or a smart phone.
摘要翻译：在线交易中进行非接触式支付的过程包括在基于计算机的系统中基于消费者选择启动在线交易，从RF设备将消费者信息发送到基于计算机的系统。消费者信息可以提供用于完成在线交易的运送信息，帐户信息和记帐信息中的至少一个。此外，该方法包括从射频设备填充具有消费者信息的检出屏幕。消费者能够在提交处理之前确认在线交易和相关信息。在进行在线交易的非接触式支付的各种实施例中，RF设备可以是应答器，移动电话，智能电话或支架中的至少一个。无接触启用设备可以是台式计算机，膝上型计算机，平板计算机，笔记本电脑，移动电话或智能电话中的至少一个。

13. 发明申请

US20130054337A1 METHODS AND SYSTEMS FOR CONTACTLESS PAYMENTS FOR ONLINE ECOMMERCE CHECKOUT 审中-公开
公开(公告)号：US20130054337A1
公开(公告)日：2013-02-28
申请号：US13215115
申请日：2011-08-22
申请人： Brian Brendell , I-Hsin Chuang , Carlos Korten , Nicole Lewis
发明人： Brian Brendell , I-Hsin Chuang , Carlos Korten , Nicole Lewis
IPC分类号： G06Q20/12 , G06Q30/02 , G06Q20/40
CPC分类号： G06Q20/12 , G06Q20/3278 , G06Q30/06
摘要： A process of conducting a contactless payment in an online transaction comprises initiating, at a computer-based system, an online transaction based on a consumer selection, transmitting, from an RF device, consumer information to the computer-based system. The consumer information may provide at least one of shipping information, account information, and billing information for completing the online transaction. Further, the method includes populating a check-out screen with consumer information from the radio frequency device. The consumer is able to confirm the online transaction and associated information prior to submission for processing. In various embodiments of conducting the contactless payment of an online transaction, the RF device may be at least one of a transponder, a mobile phone, a smart phone, or a fob. The contactless-enabled device may at least one of a desktop computer, a laptop computer, a tablet computer, a notebook computer, a mobile phone, or a smart phone.

14. 发明申请

US20110060687A1 SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ISSUING AND USING DEBIT CARDS 有权
标题翻译：系统，方法和计算机程序产品用于发行和使用债务卡
公开(公告)号：US20110060687A1
公开(公告)日：2011-03-10
申请号：US12907955
申请日：2010-10-19
申请人： David S. Bonalle , Emily A. Chong , I-Hsin Chuang , Lauren E. Dardick , Jennifer A. Elwood , William J. Gray , David J. Wong
发明人： David S. Bonalle , Emily A. Chong , I-Hsin Chuang , Lauren E. Dardick , Jennifer A. Elwood , William J. Gray , David J. Wong
IPC分类号： G06Q40/00
CPC分类号： G06Q20/409 , G06Q20/04 , G06Q20/26 , G06Q20/34 , G06Q20/40
摘要： A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.
摘要翻译：系统，方法和计算机程序产品用于发行和跟踪借记卡。系统包括登记系统，其验证登记者，联系登记者的主要和透支帐户，并发放借记卡，认证系统，其接收关于借记卡的所请求的交易的信息，并且接收关于与主要和透支帐户有关的信息使用借记卡，并基于此接收或拒绝所请求的交易，以及生成至少一个交易，主要账户和透支账户的定期报告的结算系统。透支账户可以是收费或信用账户。

15. 发明申请

US20090164375A1 SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR PERFORMING MASS TRANSIT MERCHANT TRANSACTIONS 有权
标题翻译：用于执行大规模交易商业交易的系统，方法和计算机程序产品
公开(公告)号：US20090164375A1
公开(公告)日：2009-06-25
申请号：US12273738
申请日：2008-11-19
申请人： Peter D. Saunders , Lesley Leggatt , I-Hsin Chuang , John J. Oh
发明人： Peter D. Saunders , Lesley Leggatt , I-Hsin Chuang , John J. Oh
IPC分类号： G06Q40/00
CPC分类号： G06Q20/20 , G06Q20/202 , G06Q20/32 , G06Q20/352 , G06Q20/385 , G06Q20/40 , G06Q30/06 , G07B15/02
摘要： Methods, systems and computer program products are provided for enabling access to mass transit systems using a financial transaction instrument including reading an identifier including financial payment information from the financial transaction instrument and determining whether the identifier is stored in a database. Access to a holder of the financial transaction instrument is provided based on the determining.
摘要翻译：提供了方法，系统和计算机程序产品，用于使用金融交易工具访问公共交通系统，包括从金融交易工具读取包括金融支付信息的标识符，并确定标识符是否存储在数据库中。根据确定提供对金融交易工具持有人的访问。

16. 发明申请

US20120226546A1 System and Method for Satisfying a Transaction Amount from an Alternative Funding Source 有权
标题翻译：从替代资金来源满足交易金额的制度和方法
公开(公告)号：US20120226546A1
公开(公告)日：2012-09-06
申请号：US13039057
申请日：2011-03-02
申请人： I-Hsin Chuang , Leigh Malnati , Aravind Narasimhan
发明人： I-Hsin Chuang , Leigh Malnati , Aravind Narasimhan
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/20 , G06Q20/22 , G06Q20/322 , G06Q30/0207 , G06Q30/06 , G06Q40/02
摘要： Systems and methods for paying a transaction amount at a point of sale (e.g. a physical point of sale or a virtual point of sale) are disclosed. The systems and methods are configured to monitor transaction information to identify eligible transactions at the point of sale. Where the transaction information conforms to predetermined rules, an indicator of an alternative funding source is provided to a user through a web browser, portable electronic device, or other suitable medium. Moreover, the alternative funding options are presented at substantially the same time as a transaction is being processed at a point of sale. Based on the user's selection, a credit may be applied to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source. Moreover, the credit associated with the alternative funding source is not communicated to the point of sale or the corresponding merchant, but rather is applied directly to the transaction account associated with the purchase of an item.
摘要翻译：公开了在销售点（例如物理销售点或虚拟销售点）支付交易金额的系统和方法。系统和方法被配置为监视交易信息以在销售点识别符合条件的交易。在交易信息符合预定规则的情况下，通过网络浏览器，便携式电子设备或其它合适的介质向用户提供替代资金来源的指标。此外，替代供资方案是在销售点正在处理的交易基本上同时提交的。基于用户的选择，信用可以应用于交易账户对应于来自替代资金来源的交易金额的至少一部分。此外，与替代资金来源相关联的信用额不会传达到销售点或相应的商家，而是直接应用于与购买商品相关联的交易账户。

17. 发明授权

US07837100B2 System, method, and computer program product for issuing and using debit cards 有权
标题翻译：系统，方法和计算机程序产品，用于发行和使用借记卡
公开(公告)号：US07837100B2
公开(公告)日：2010-11-23
申请号：US11478140
申请日：2006-06-30
申请人： David S. Bonalle , Emily A. Chong , I-Hsin Chuang , Lauren E. Dardick , Jennifer A. Elwood , William J. Gray , David J. Wong
发明人： David S. Bonalle , Emily A. Chong , I-Hsin Chuang , Lauren E. Dardick , Jennifer A. Elwood , William J. Gray , David J. Wong
IPC分类号： G06K5/00 , G06K7/01
CPC分类号： G06Q20/409 , G06Q20/04 , G06Q20/26 , G06Q20/34 , G06Q20/40
摘要： A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.
摘要翻译：系统，方法和计算机程序产品用于发行和跟踪借记卡。系统包括登记系统，其验证登记者，联系登记者的主要和透支帐户，并发放借记卡，认证系统，其接收关于借记卡的所请求的交易的信息，并且接收关于与主要和透支帐户有关的信息使用借记卡，并基于此接收或拒绝所请求的交易，以及生成至少一个交易，主要账户和透支账户的定期报告的结算系统。透支账户可以是收费或信用账户。

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