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21. 发明申请

US20130173405A1 BANK CARD AND RESPONSE PROCESS TO A TRANSACTION REQUEST 审中-公开
标题翻译：银行卡和响应过程交易要求
公开(公告)号：US20130173405A1
公开(公告)日：2013-07-04
申请号：US13730389
申请日：2012-12-28
申请人： OBERTHUR TECHNOLOGIES
发明人： Hervé GOUESSANT
IPC分类号： G06K5/00 , G06K19/06
CPC分类号： G06Q20/4014 , G06K5/00 , G06K19/06009 , G06K19/06028 , G06K19/06037 , G06Q20/3223 , G06Q20/3274 , G06Q20/3276 , G06Q20/34 , G06Q20/342 , G07F7/025 , G07F7/0846
摘要： The invention relates to a bank card (100) comprising a presentation surface of a pictogram (120) coding at least one item of information for executing a transaction.
摘要翻译：本发明涉及一种银行卡（100），其包括编码用于执行交易的至少一个信息项的象形图（120）的呈现表面。

22. 发明授权

US08452703B2 Method and system for processing internet payments using the electronic funds transfer network 有权
标题翻译：使用电子资金转账网络处理互联网支付的方法和系统
公开(公告)号：US08452703B2
公开(公告)日：2013-05-28
申请号：US13443179
申请日：2012-04-10
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06Q20/04
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/042 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G06Q30/0222 , G06Q30/0226 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/12 , G07F7/025 , G07F17/42 , G07F19/20
摘要： Embodiments of the invention include a method and system for conducting financial transactions over a payment network. The method may include associating a payment address of an account with an account holder name, the account residing at a financial institution and the associated payment address of the account configured to allow withdrawals by the account holder only and to allow a plurality of deposits to be made at different times. The method further includes freely publishing the payment address and making it available to users of an internet portal or search engine. The method further includes receiving data over a network identifying a deposit to be made to the account, assigning the deposit to the account using the payment address, and notifying the payer of the assignment on a real time basis. At least one directory is used for associating the account holder with the payment address.
摘要翻译：本发明的实施例包括用于通过支付网络进行金融交易的方法和系统。该方法可以包括将帐户的支付地址与帐户持有人姓名，居住在金融机构的帐户相关联，以及被配置为仅允许由账户持有人提款的账户的相关支付地址，并允许多个存款为在不同时期制作。该方法还包括自由发布支付地址并将其提供给互联网门户或搜索引擎的用户。该方法还包括通过网络接收识别要对帐户进行的定金的数据，使用支付地址将该存款分配给该账户，并且实时地通知付款人该转让。至少有一个目录用于将帐户持有人与支付地址相关联。

23. 发明授权

US08433652B2 Method and system for processing internet payments using the electronic funds transfer network 有权
标题翻译：使用电子资金转账网络处理互联网支付的方法和系统
公开(公告)号：US08433652B2
公开(公告)日：2013-04-30
申请号：US13433647
申请日：2012-03-29
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06Q20/10
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/042 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G06Q30/0222 , G06Q30/0226 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/12 , G07F7/025 , G07F17/42 , G07F19/20
摘要： A computer implemented payment processing method and system are provided for facilitating electronic purchase transactions by a purchaser from a merchant. The method implements a payment processing system including at least one computer processor and at least one computer memory and includes multiple steps. The steps include receiving, at the at least one computer processor of the payment processing system, a payment request associated with the electronic purchase transaction, the request including information, but not including confidential financial account numbers. The method further includes performing authentication to authenticate the purchaser and verification procedures to verify funds available at the payment processing system based on the order information and non-confidential information and determining whether the cash payment can be completed based on the authentication and verification procedures. The method also includes causing, with the at least one computer processor, the cash payment to be released to the merchant in response to a determination that the cash payment can be completed.
摘要翻译：提供了一种计算机实现的支付处理方法和系统，用于促进购买者从商家进行电子购买交易。该方法实现包括至少一个计算机处理器和至少一个计算机存储器的支付处理系统，并且包括多个步骤。所述步骤包括在所述支付处理系统的所述至少一个计算机处理器处接收与所述电子购买交易相关联的支付请求，所述请求包括信息，但不包括机密金融账号。该方法还包括执行认证以认证购买者和验证程序，以基于订单信息和非机密信息来验证在支付处理系统可用的资金，并且基于认证和验证过程来确定是否可以完成现金支付。该方法还包括使得至少一个计算机处理器响应于可以完成现金支付的确定，将现金支付释放给商家。

24. 发明申请

US20130030995A1 Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network 有权
标题翻译：使用电子资金转账网络处理互联网付款的方法和系统
公开(公告)号：US20130030995A1
公开(公告)日：2013-01-31
申请号：US13616383
申请日：2012-09-14
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06Q20/14
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/042 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G06Q30/0222 , G06Q30/0226 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/12 , G07F7/025 , G07F17/42 , G07F19/20
摘要： A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.
摘要翻译：实现电子资金转帐信用信息的系统和方法。系统的主要结构部件包括支付门户处理器（PPP），互联网支付任何人（IPA）帐户，虚拟私人锁箱（VPL）和相关联的帐户记录器，现有的电子转帐网络和用于访问 VPL或IP帐户。 PPP是一个软件应用程序，提供用于访问（链接）用户的需求存款帐户（DDA）或IPA帐户的安全门户，并可与传统数字电子钱包的功能相结合。消费者使用PPP增强型钱包来资助他们的账户，在网上购物，支付账单，支付任何人，存储电子收据和交易记录，并检查他们最近的PPP增强的电子钱包活动。 IPA帐户是一种特殊用途的帐户，其功能有限，以电子金融信用信息的形式进行电子支付。 VPL是一种有限功能，只接收通过电子转帐接收电子支付的账户。帐户记录器是一个门户，用于查看IPA和VPL账户的交易历史记录和余额，提供在线实时交易报告，并将应收账款/购买记录与收到的EFT付款记录进行对账。物理卡可以与IPA或VPL帐户相关联，以提供PIN借记功能。

25. 发明申请

US20130024384A1 HAND GEOMETRY BIOMETRICS ON A PAYMENT DEVICE 有权
标题翻译：付款设备上的几何生物学方法
公开(公告)号：US20130024384A1
公开(公告)日：2013-01-24
申请号：US13623998
申请日：2012-09-21
申请人： Xatra Fund MX, LLC
发明人： Blayn W. Beenau , David S. Bonalle , Seth W. Fields , William J. Gray , Carl Larkin , Joshua L. Montgomery , Peter D. Saunders
IPC分类号： G06Q20/40 , G06Q20/34 , G06F7/04
CPC分类号： G06Q20/3278 , G06F17/30725 , G06F21/32 , G06F21/34 , G06F21/445 , G06F2221/2129 , G06K7/10009 , G06K7/10128 , G06K19/0723 , G06K19/07345 , G06Q20/00 , G06Q20/04 , G06Q20/14 , G06Q20/28 , G06Q20/32 , G06Q20/327 , G06Q20/342 , G06Q20/382 , G06Q20/40 , G06Q20/4012 , G06Q20/40145 , G07C9/00087 , G07C9/00111 , G07C9/00119 , G07C2009/00095 , G07C2009/00984 , G07F7/025 , H04L9/321 , H04L9/3231 , H04L9/3273 , H04L63/0861 , H04L2209/56 , H04L2209/805 , H04W12/06
摘要： The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.
摘要翻译：本发明公开了一种在应答器 - 读取器系统中使用多个生物特征的生物特征安全的系统和方法。生物识别安全系统还包括检测生物特征样本的生物特征传感器和用于验证生物特征样本的装置。在一个实施例中，生物测定安全系统包括配置有生物测定传感器的应答器。在另一个实施例中，系统包括配置有生物特征传感器的读取器。在另一个实施例中，本发明公开了用于提供和处理多个生物特征样本以促进交易授权的方法。

26. 发明申请

US20130013437A1 System for Packaging, Processing, Activating, and Deactivating Multiple Individual Transaction Cards as a Singular Unit 有权
公开(公告)号：US20130013437A1
公开(公告)日：2013-01-10
申请号：US13619497
申请日：2012-09-14
申请人： Lalit SINGH , Sanjay SHIRSEKAR
发明人： Lalit SINGH , Sanjay SHIRSEKAR
IPC分类号： G06Q20/20 , B65D85/00
CPC分类号： G06Q20/354 , B32B27/08 , B32B27/308 , B32B27/40 , C08G18/3876 , C08G18/7664 , C08G18/83 , C08L33/04 , C09D175/04 , G06Q20/20 , G06Q20/204 , G06Q20/342 , G06Q20/3572 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/3821 , G06Q30/06 , G07F7/025 , G09F1/02
摘要： A transaction card processing and activation system comprising the identification of a unique identifier corresponding to an aggregate of transaction cards of affiliated or non-affiliated card issuers and the activation of each transaction card corresponding to the unique identifier of the aggregate irrespective of the number, types, or card issuers of the transaction cards. Additionally, the present invention allows a point of sale entity to initiate the activation of each of the multiple, disparate transaction cards in the aggregate by merely processing the unique identifier associated with the aggregate.

27. 发明授权

US08267313B2 System and method for providing a gift card which affords benefits beyond what is purchased 有权
标题翻译：用于提供礼品卡的系统和方法，其提供超出购买的礼物
公开(公告)号：US08267313B2
公开(公告)日：2012-09-18
申请号：US11555060
申请日：2006-10-31
申请人： Taryn C. Harper , Miriam Alejandro , Patricia W. Stickley , Lisa Gordon , Scott Scovel
发明人： Taryn C. Harper , Miriam Alejandro , Patricia W. Stickley , Lisa Gordon , Scott Scovel
IPC分类号： G06K5/00
CPC分类号： G06Q20/28 , G06Q20/342 , G06Q20/3433 , G06Q30/06 , G06Q40/00 , G07F7/02 , G07F7/025
摘要： A system, computer product and method are provided for a card issuer providing a prepaid gift card to a purchaser, the gift card usable by a recipient of the card to pay merchants who participate in a financial network. The method includes receiving a payment of a predetermined amount, and loading the predetermined amount received from the purchaser into the prepaid gift card. The method further includes activating the loaded prepaid gift card, the activated prepaid gift card being usable by the recipient for paying any of the merchants in the financial network until the predetermined amount loaded in the prepaid gift card is exhausted, and being usable by the recipient to obtain a benefit beyond what is purchased from at least some of the merchants in the financial network.
摘要翻译：为向购买者提供预付礼品卡的发卡机构提供系统，计算机产品和方法，该卡可由卡的接收者使用以支付参与金融网络的商家。该方法包括接收预定量的支付，并将从购买者接收的预定量加载到预付费礼品卡中。该方法还包括激活装载的预付礼品卡，该激活的预付费礼品卡可由接收者使用以支付金融网络中的任何商家，直到预付费礼品卡中的预定金额用尽，并且可由接收者使用以获得超过从金融网络中的至少一些商家购买的收益。

28. 发明申请

US20120233069A1 MONEY TRANSFER SYSTEMS AND METHODS 有权
标题翻译：货币转移系统和方法
公开(公告)号：US20120233069A1
公开(公告)日：2012-09-13
申请号：US13416826
申请日：2012-03-09
申请人： Kurt Bulawa , Corey Allen Bohler , Dean A. Seifert , Thomas B. Sayor , Mark Baumgart , Erik S. Crawford
发明人： Kurt Bulawa , Corey Allen Bohler , Dean A. Seifert , Thomas B. Sayor , Mark Baumgart , Erik S. Crawford
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q20/342 , G06Q20/40 , G06Q30/04 , G06Q30/06 , G06Q40/02 , G07F7/025
摘要： The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.
摘要翻译：本发明提供了便利汇款的系统和方法。该方法包括在汇款系统中接收对客户帐户的访问，在货币转移系统处建立包括接收者和金额的汇款记录，以及在汇款系统处接收货币的标识符转让记录。该方法还包括在货币转移系统的输入装置处接收标识符的呈现，并授权与汇款记录相关联的汇款。

29. 发明申请

US20120166336A1 SYSTEM AND METHOD FOR PREPAID ACCOUNT REPLENISHMENT 审中-公开
标题翻译：系统和方法用于预付帐户的补偿
公开(公告)号：US20120166336A1
公开(公告)日：2012-06-28
申请号：US13312647
申请日：2011-12-06
申请人： Peter Hartmaier
发明人： Peter Hartmaier
IPC分类号： G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/3255 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/1085 , G06Q20/202 , G06Q20/28 , G06Q20/342 , G06Q20/349 , G06Q20/40 , G07F7/025 , H04M17/00 , H04M17/20
摘要： A system and method for replenishing prepaid account balances is disclosed. Consumers are issued a prepaid account card similar to a credit card. Funds are added to prepaid accounts at retail locations by providing cash or equivalent to a clerk along with the prepaid account card. The clerk swipes the prepaid account card in an authorization terminal and rings up the transaction in a manner similar to a normal credit card transaction. The transaction is transmitted to a bank which processes the transaction and notifies a replenishment system that the customer has added value to the prepaid account. The replenishment system provides the customer with a confirmation number associated with the transaction. The replenishment system notifies a prepaid engine for the prepaid account. The prepaid engine updates the user's prepaid account balance, thereby making funds available for future purchases by the user. The user may also add funds to the prepaid account via an automated teller machine (ATM), via the Internet or by dialing certain feature codes on a wireless telephone.
摘要翻译：公开了一种用于补充预付帐户余额的系统和方法。消费者会发出类似于信用卡的预付帐户卡。通过提供现金或等值给商务人员以及预付帐户卡，将资金添加到零售地点的预付账户。店员在授权终端中刷卡预付帐户卡，并以类似于正常信用卡交易的方式对交易进行调用。交易被传送到处理交易的银行，并通知补货系统客户已经将该价值增加到预付账户。补货系统向客户提供与交易相关联的确认编号。补货系统通知预付费的引擎预付账户。预付费引擎更新用户的预付帐户余额，从而为用户未来的购买提供资金。用户还可以经由自动取款机（ATM）经由因特网或通过拨打无线电话上的某些功能代码向预付费账户添加资金。

30. 发明授权

US08175974B2 Portable storage device and transaction machine 有权
标题翻译：便携式存储设备和交易机
公开(公告)号：US08175974B2
公开(公告)日：2012-05-08
申请号：US12417322
申请日：2009-04-02
申请人： Ryoichi Takahashi
发明人： Ryoichi Takahashi
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00 , G06K5/00
CPC分类号： G07F7/1008 , G06Q20/10 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/342 , G06Q20/346 , G07F7/025 , G07F19/20 , G07F19/201
摘要： In systems which execute transactions with an ATM using an IC card in which plural account information is registered in advance, one or more transaction information and intended use information indicating the intended uses of transactions to be executed by the ATM based on the transaction information are associated with each other and are registered as transaction data in the storage section of the IC card, so as to certainly prevent transactions or selections of accounts which are not intended by the user from being erroneously executed. Prior to the execution of transactions by the ATM, the transaction data is read out for the ATM and the intended use information included in the transaction data are displayed along with said transaction information included in the transaction data, in a transaction selection screen on the ATM.
摘要翻译：在使用预先登记有多个账户信息的IC卡执行与ATM的交易的系统中，基于交易信息，指示由ATM执行的交易的预期用途的一个或多个交易信息和预期使用信息被关联并且在IC卡的存储部分中登记为交易数据，以便确实地防止用户不希望的用户的交易或帐户的选择被错误地执行。在通过ATM执行交易之前，ATM的交易数据被读出并且包括在交易数据中的预期使用信息与包括在交易数据中的交易信息一起显示在ATM上的交易选择屏幕中。

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