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11. 发明授权

US10592901B2 Business-to-business commerce using financial transaction numbers 有权
公开(公告)号：US10592901B2
公开(公告)日：2020-03-17
申请号：US10160190
申请日：2002-06-04
申请人： Daniel Ian Flitcroft , Graham O'Donnell , Conor Langford , James Carroll
发明人： Daniel Ian Flitcroft , Graham O'Donnell , Conor Langford , James Carroll
IPC分类号： G06Q20/00 , G06Q20/02 , G06Q40/00 , G06Q20/40 , G06Q20/38 , G06Q20/12 , G06Q40/04 , G06Q20/24 , G06Q20/10 , G06Q30/06 , G06Q20/04
摘要： Controlled Payment Numbers (CPNs) which issue as a unique payment number for each transaction uniquely identify the transaction for matching the purchase and payment information. The issuance of the CPN is controlled by business rules which are designed to and effectively restrict the use of the CPN, such that if a user exceeds his authorization, a CPN is not issued. The business rules are set up according to a hierarchy of users. Further, a declining balance CPN is also provided.

12. 发明申请

US20140122340A1 CREDIT CARD SYSTEM AND METHOD HAVING ADDITIONAL FEATURES 审中-公开
标题翻译：信用卡系统和附加特征的方法
公开(公告)号：US20140122340A1
公开(公告)日：2014-05-01
申请号：US14150231
申请日：2014-01-08
申请人： ORBIS PATENTS LTD.
发明人： Daniel Ian FLITCROFT , Garry LYONS
IPC分类号： G06Q20/40 , G06Q20/34 , G06Q20/24
摘要： A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.
摘要翻译：提供了一种信用卡系统，其附加功能是提供额外的有限使用信用卡号码和/或卡。这些数字和/或卡可以用于单个或有限的使用交易，从而减少对这些号码和/或卡的欺诈重用的可能性。信用卡系统通过电话或互联网将应用程序应用于“卡远程”交易。另外，当使用单次使用或限制使用的信用卡进行“卡存在”交易时，消除所谓的“撇号”欺诈。各种其他功能增强了信用卡系统，这将允许安全交易，而无需使用精细的加密技术。还提供了限制，分发和使用有限使用卡号码，控制有限使用信用卡号码的有效性，进行有限使用信用卡号码交易和提供用于访问有限使用信用卡号码的远程访问设备的方法。

13. 发明授权

US07593896B1 Credit card system and method 有权
标题翻译：信用卡系统和方法
公开(公告)号：US07593896B1
公开(公告)日：2009-09-22
申请号：US09691175
申请日：2000-10-19
申请人： Daniel I. Flitcroft , Graham O'Donnell
发明人： Daniel I. Flitcroft , Graham O'Donnell
IPC分类号： G06Q40/00
CPC分类号： G06Q20/34 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/16 , G06Q20/24 , G06Q20/28 , G06Q20/342 , G06Q20/354 , G06Q20/3552 , G06Q20/357 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/4016 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G07F7/025 , G07F7/08 , G07F7/1008 , G07F7/12 , G07F7/122 , G07F19/00 , G07F19/2055
摘要： A credit card system is provided which has the added feature of providing additional limited-use credit card numbers and/or cards. These numbers and/or cards can be used for a single transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques.
摘要翻译：提供了一个信用卡系统，其附加功能是提供额外的有限的信用卡号码和/或卡。这些数字和/或卡可以用于单个交易，从而减少这些数字和/或卡的欺诈性重用的可能性。信用卡系统通过电话或互联网将应用程序应用于“卡远程”交易。另外，当使用单次使用的信用卡进行“卡存在”交易时，消除了所谓的“撇号”欺诈。各种其他功能增强了信用卡系统，这将允许安全交易，而无需使用精心的加密技术。

14. 发明授权

US07567934B2 Credit card system and method 有权
标题翻译：信用卡系统和方法
公开(公告)号：US07567934B2
公开(公告)日：2009-07-28
申请号：US10160178
申请日：2002-06-04
申请人： Daniel I. Flitcroft , Graham O'Donnell
发明人： Daniel I. Flitcroft , Graham O'Donnell
IPC分类号： G06Q40/00
CPC分类号： G06Q20/34 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/16 , G06Q20/24 , G06Q20/28 , G06Q20/342 , G06Q20/354 , G06Q20/3552 , G06Q20/357 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/4016 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G07F7/025 , G07F7/08 , G07F7/1008 , G07F7/12 , G07F7/122 , G07F19/00 , G07F19/2055
摘要： A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.
摘要翻译：提供了一种信用卡系统，其附加功能是提供额外的有限使用信用卡号码和/或卡。这些数字和/或卡可以用于单个或有限的使用交易，从而减少对这些号码和/或卡的欺诈重用的可能性。信用卡系统通过电话或互联网将应用程序应用于“卡远程”交易。另外，当使用单次使用或限制使用的信用卡进行“卡存在”交易时，消除所谓的“撇号”欺诈。各种其他功能增强了信用卡系统，这将允许安全交易，而无需使用精细的加密技术。还提供了限制，分发和使用有限使用卡号码，控制有限使用信用卡号码的有效性，进行有限使用信用卡号码交易和提供用于访问有限使用信用卡号码的远程访问设备的方法。

15. 发明授权

US07136835B1 Credit card system and method 有权
公开(公告)号：US07136835B1
公开(公告)日：2006-11-14
申请号：US09665574
申请日：2000-09-18
申请人： Daniel I. Flitcroft , Graham O'Donnell
发明人： Daniel I. Flitcroft , Graham O'Donnell
IPC分类号： G06Q40/00
CPC分类号： G06Q20/34 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/16 , G06Q20/24 , G06Q20/28 , G06Q20/342 , G06Q20/354 , G06Q20/3552 , G06Q20/357 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/4016 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G07F7/025 , G07F7/08 , G07F7/1008 , G07F7/12 , G07F7/122 , G07F19/00 , G07F19/2055
摘要： A credit card system is provided which has the added feature of providing additional limited-use credit card numbers and/or cards. These numbers and/or cards can be used for a single transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques.

16. 发明授权

US08639623B2 Transaction processing 有权
标题翻译：交易处理
公开(公告)号：US08639623B2
公开(公告)日：2014-01-28
申请号：US13531905
申请日：2012-06-25
申请人： Stephen Kavanagh , Conor Clarke , Kleron Guilfoyle , Patrick Brosnan
发明人： Stephen Kavanagh , Conor Clarke , Kleron Guilfoyle , Patrick Brosnan
IPC分类号： G06Q40/00 , G06Q20/08 , G06Q20/10 , G06Q20/22 , G06Q40/02 , G06K19/00 , G06Q20/40 , G06F17/30
CPC分类号： G06Q20/34 , G06F17/30289 , G06K19/00 , G06Q20/04 , G06Q20/08 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/24 , G06Q20/305 , G06Q20/32 , G06Q20/354 , G06Q20/40 , G06Q20/4014 , G06Q20/403 , G06Q20/4037 , G06Q20/405 , G06Q20/407 , G06Q40/02 , G07F7/08 , G07F7/122
摘要： A transaction processing system for the real time authorization of payment transactions, The system comprises a verification system (4) connected to an issuer card management system (3). A cardholder can access the system via an interface (2) which can be for example the Internet, a wireless device, telephone, or a branch visit. The interface allows the cardholder to input rules governing how their credit card transactions are to be authorized. When the cardholder initiates a purchase transaction with their credit card, an authorization request is passed from the card network to the verification system which executes the rules created by the cardholder in order to approve or deny the transaction.
摘要翻译：一种用于支付交易实时授权的交易处理系统，该系统包括连接到发卡机构管理系统（3）的验证系统（4）。持卡人可以通过可以是例如因特网，无线设备，电话或分支访问的接口（2）访问系统。该接口允许持卡人输入管理如何授权其信用卡交易的规则。当持卡人使用信用卡启动购买交易时，授权请求将从卡网络传递到验证系统，该验证系统执行持卡人创建的规则，以批准或拒绝交易。

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