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81. 发明申请

US20160093164A1 SYSTEMS AND METHODS FOR POKER GAMEPLAY FUNDING 有权
标题翻译：扑克游戏资金的系统和方法
公开(公告)号：US20160093164A1
公开(公告)日：2016-03-31
申请号：US14960521
申请日：2015-12-07
申请人： Sightline Interactive, LLC
发明人： Kirk E. Sanford , Thomas M. Sears , Omer Sattar
IPC分类号： G07F17/32 , G07F19/00
CPC分类号： G07F17/3244 , G06Q20/10 , G06Q20/227 , G06Q20/28 , G06Q20/3676 , G06Q30/0207 , G06Q50/34 , G07F17/322 , G07F17/3251 , G07F17/3255 , G07F17/3293 , G07F19/20
摘要： Systems and methods for poker gameplay funding are disclosed through the crediting gaming accounts and the debiting of a stored value account. The stored value account can be linked to a stored value payment vehicle issued to a player. Funds held by the stored value account can be used for tournament poker play and cash game buy-in in virtual poker rooms and brick-and-mortar poker rooms. At the conclusion of gameplay, the gaming account can be debited and the stored value account credit to reflect poker winnings.
摘要翻译：扑克游戏资金的系统和方法通过积分游戏帐户和存储价值账户的借记来披露。存储值帐户可以链接到发放给玩家的存储值付款车辆。储值账户持有的资金可用于虚拟扑克室和实体扑克室的比赛扑克游戏和现金游戏买入。在游戏结束时，游戏帐户可以借记和存储的价值帐户信用来反映扑克奖金。

82. 发明申请

US20160086153A1 MOBILE PAYMENT SYSTEMS AND METHODS 有权
公开(公告)号：US20160086153A1
公开(公告)日：2016-03-24
申请号：US14961120
申请日：2015-12-07
申请人： GoFigure Payments, LLC
发明人： Devon A. Rolf
IPC分类号： G06Q20/32 , G06Q20/26 , G06Q20/24 , G06Q20/36 , G06Q20/02
CPC分类号： G06Q20/3223 , G06Q20/02 , G06Q20/023 , G06Q20/10 , G06Q20/102 , G06Q20/206 , G06Q20/227 , G06Q20/24 , G06Q20/26 , G06Q20/32 , G06Q20/322 , G06Q20/3278 , G06Q20/363 , G06Q20/40 , G06Q20/4037 , G06Q30/0641 , G06Q40/00 , G06Q40/025
摘要： A method includes providing a first payment account that is issued by a first financial institution and enables an accountholder thereof to make payments at merchants via a closed-loop payments network corresponding to the first financial institution and mobile person-to-person payments using the payment account. The method includes enabling a second payment account that is issued by a second financial institution to be electronically linked to the first payment account and used as a source of funds. The method includes providing a mobile operating system and enabling a plurality of merchant-specific payment accounts to be associated with a mobile communications device having the operating system. The method includes determining whether a merchant-specific payment account that is accepted only by a particular merchant is available to the accountholder via the mobile communications device and receiving a fee when the first payment account is used for a purchase.

83. 发明申请

US20160078428A1 PAIRING ELECTRONIC WALLET WITH SPECIFIED MERCHANTS 审中-公开
标题翻译：配有指定商品的配对电子钱包
公开(公告)号：US20160078428A1
公开(公告)日：2016-03-17
申请号：US14485139
申请日：2014-09-12
申请人： MasterCard International Incorporated
发明人： Scott Moser , Amyn Mohamed Dhala , David James Lim , Ryan Bartholomew Joseph Crowe , Nathaniel David Byrd , Eric Ray Kitchen , Adam David Gluck , Prashant Sharma
IPC分类号： G06Q20/36
CPC分类号： G06Q20/4014 , G06Q20/105 , G06Q20/227 , G06Q20/3223 , G06Q20/351 , G06Q20/36 , G06Q20/363 , G06Q20/367 , G06Q20/3674 , G06Q20/40 , G06Q20/401 , G06Q20/4012 , H04L63/10
摘要： A system and method for facilitating use of a digital electronic wallet by a cardholder for cashless transactions. The method comprises receiving a selection by a first cardholder to pair a first digital wallet held by a first wallet holder with a first merchant, the first digital wallet having therein an electronic representation of at least one payment device usable to fund a cashless transaction, and verifying the cardholder's identity. Thereafter, facilitating a communication between the first cardholder and the first wallet holder to record consent by the first cardholder to share wallet information with the first merchant. The present disclosure further comprises receiving from the first wallet holder authorization to generate a wallet token usable for acquiring wallet information on behalf of the first merchant, using the first digital wallet as selected by the first cardholder, and preparing a merchant token corresponding to the wallet token. The merchant token is provided to the first merchant, for presentation to access wallet information, including payment card information on a cashless transaction.
摘要翻译：一种促进持卡人使用数字电子钱包进行无现金交易的系统和方法。该方法包括接收第一持卡人的选择以将由第一钱包持有者所持有的第一数字钱包与第一商家进行配对，该第一数字钱包具有可用于资助无现金交易的至少一个支付装置的电子表示，以及验证持卡人的身份。此后，促进第一持卡人和第一钱夹持有人之间的通信，以记录第一持卡人与第一商人共享钱包信息的同意。本公开还包括从第一钱包持有人授权，使用由第一持卡人选择的第一数字钱包生成可用于代表第一商家获取钱包信息的钱包令牌，以及准备对应于该钱包的商家令牌令牌将商家令牌提供给第一商家，以便呈现以访问钱包信息，包括关于无现金交易的支付卡信息。

84. 发明申请

US20160070941A1 WIRELESS DEVICES FOR STORING A FINANCIAL ACCOUNT CARD AND METHODS FOR STORING CARD DATA IN A WIRELESS DEVICE 有权
公开(公告)号：US20160070941A1
公开(公告)日：2016-03-10
申请号：US14940901
申请日：2015-11-13
申请人： Gregory M. GANNON
发明人： Gregory M. GANNON
IPC分类号： G06K7/08 , G06K19/08 , G06K7/10
CPC分类号： G06Q20/40145 , G06K7/087 , G06K7/089 , G06K7/10386 , G06K7/10415 , G06K19/08 , G06Q20/20 , G06Q20/204 , G06Q20/206 , G06Q20/227 , G06Q20/32 , G06Q20/322 , G06Q20/3223 , G06Q20/3226 , G06Q20/327 , G06Q20/3278 , G06Q20/353 , G06Q20/3567 , G06Q20/4012 , G06Q20/405 , G06Q20/409 , G07C9/00087 , G07C2009/00095
摘要： A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.

85. 发明授权

US09256871B2 Configurable payment tokens 有权
标题翻译：可配置的付款令牌
公开(公告)号：US09256871B2
公开(公告)日：2016-02-09
申请号：US13558979
申请日：2012-07-26
申请人： Lisa Anderson , Seamus Cushley , Fergal Downey
发明人： Lisa Anderson , Seamus Cushley , Fergal Downey
IPC分类号： G06Q20/00 , G06Q20/38 , G06Q20/12 , G06Q20/22
CPC分类号： G06Q20/3672 , G06Q20/12 , G06Q20/227 , G06Q20/3674 , G06Q20/385
摘要： Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.
摘要翻译：公开了用于生成和使用商家可定制的令牌格式的方法和系统，其定义在网络交易中表示信用卡和其他支付号码的令牌。使用代替卡号本身用于安全性的令牌可以通过令牌格式来指定，以具有一定数量的字符，为主卡标识符保留某些字段，使用加密和/或随机化，为字母数字，以及有其他格式。定制的令牌可以与使用比标准十六位数支付卡号格式更长或更短的卡号的传统设备一起使用，并且通过识别盗贼可能不太可能被识别为与卡号相关。

86. 发明申请

US20160034861A1 METHOD AND APPARATUS OF CONTROLLING NETWORK PAYMENT 审中-公开
标题翻译：控制网络支付的方法与设备
公开(公告)号：US20160034861A1
公开(公告)日：2016-02-04
申请号：US14805293
申请日：2015-07-21
申请人： Alibaba Group Holding Limited
发明人： Jianwei Jin
IPC分类号： G06Q20/08
CPC分类号： G06Q20/405 , G06Q20/227 , G06Q20/36 , G06Q30/0601 , G06Q30/0613
摘要： Methods and apparatuses of controlling a network payment are disclosed, which obtain a payment record when a selection of a payment instrument is needed, and determine a preferred payment instrument for a current transaction based on the payment record. By analyzing the payment record, a payment success rate of each payment instrument supported by a current payer under a current business scenario may be obtained, and a payment instrument having a maximum payment success rate may be set as the preferred payment instrument for the current transaction. The embodiments of the present disclosure therefore are able to implement an automatic selection of a payment instrument, reduce manual operations of a payer, simplify a payment process, and improve the payment efficiency and the transaction efficiency. In addition, using a payment instrument having a maximum payment success rate as a preferred payment instrument for a transaction may improve a success probability of a one-time payment, thus avoiding the need of re-selecting a new payment instrument and thereby improving the payment efficiency and the transaction efficiency.
摘要翻译：公开了控制网络支付的方法和装置，当需要选择支付工具时获得支付记录，并且基于支付记录确定当前交易的优选支付工具。通过分析支付记录，可以获得当前业务情景下的当前付款人支持的每个支付工具的支付成功率，并且可以将具有最大支付成功率的支付工具设置为当前交易的首选支付工具。因此，本公开的实施例能够实现支付工具的自动选择，减少付款人的手动操作，简化支付过程，并且提高支付效率和交易效率。此外，使用具有最大支付成功率的支付工具作为交易的优选支付工具可以提高一次性支付的成功概率，从而避免需要重新选择新的支付工具，从而改善支付效率和交易效率。

87. 发明授权

US09245413B2 Systems and methods for poker gameplay funding 有权
标题翻译：扑克游戏资金的系统和方法
公开(公告)号：US09245413B2
公开(公告)日：2016-01-26
申请号：US14494648
申请日：2014-09-24
申请人： Sightline Interactive, LLC
发明人： Kirk E. Sanford , Thomas M. Sears , Omer Sattar
IPC分类号： G07F17/32 , G06Q20/10 , G06Q20/22 , G06Q50/34 , G06Q20/28 , G06Q20/36
CPC分类号： G07F17/3244 , G06Q20/10 , G06Q20/227 , G06Q20/28 , G06Q20/3676 , G06Q30/0207 , G06Q50/34 , G07F17/322 , G07F17/3251 , G07F17/3255 , G07F17/3293 , G07F19/20
摘要： Systems and methods for poker gameplay funding are disclosed through the crediting gaming accounts and the debiting of a stored value account. The stored value account can be linked to a stored value payment vehicle issued to a player. Funds held by the stored value account can be used for tournament poker play and cash game buy-in in virtual poker rooms and brick-and-mortar poker rooms. At the conclusion of gameplay, the gaming account can be debited and the stored value account credit to reflect poker winnings.
摘要翻译：扑克游戏资金的系统和方法通过积分游戏帐户和存储价值账户的借记来披露。存储值帐户可以链接到发放给玩家的存储值付款车辆。储值账户持有的资金可用于虚拟扑克室和实体扑克室的比赛扑克游戏和现金游戏买入。在游戏结束时，游戏帐户可以借记和存储的价值帐户信用来反映扑克奖金。

88. 发明申请

US20160019512A1 TRANSACTION FACILITATION METHODS AND APPARATUSES 审中-公开
标题翻译：交易便利化方法和装置
公开(公告)号：US20160019512A1
公开(公告)日：2016-01-21
申请号：US14769955
申请日：2014-04-21
申请人： SSI America INC.
发明人： James BUCHHEIM , Arne HENNIG
IPC分类号： G06Q20/20 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/3278 , G06Q20/20 , G06Q20/227 , G06Q20/341 , G06Q20/351 , G06Q20/352 , G06Q20/3572 , G06Q20/401 , G06Q20/405 , G07F7/1008 , G07G1/009 , H04W4/80
摘要： Devices and systems using Bluetooth Low Energy (BLE) to facilitate sale transactions are disclosed. The devices can be in the form of a credit card, debit card, smart phone, wearable device such as a watch or glasses. A virtual payment card can store information relevant to a plurality of preexisting accounts and can provide outputs that include wirelessly communicating account information to a wireless device such as the emulation device, programming a dynamically alterable magnetic strip to include magnetized sectors that are magnetized in a fashion that reflects account information, and a visual output of the transaction card whose relevant card information has been communicated wirelessly or to the magnetic strip. Bluetooth-enabled electronic devices are configured to alternately scan and operate as beacons and employ various technologies to detect the signal strengths of other Bluetooth devices, and such signal strength values are wirelessly communicated to a server that resolves the various signal strength values into relative locations of each of the Bluetooth electronic devices.
摘要翻译：披露了使用蓝牙低能耗（BLE）促成销售交易的设备和系统。这些设备可以是信用卡，借记卡，智能手机，诸如手表或眼镜的佩戴装置的形式。虚拟支付卡可以存储与多个预先存在的帐户相关的信息，并且可以提供输出，其包括将诸如仿真设备的无线设备无线地传送账户信息，编程动态可变磁条，以包括磁化的磁化扇区，这反映了帐户信息，以及其相关卡信息已经无线地传送到该磁条的交易卡的可视输出。配置蓝牙的电子设备被配置为交替地扫描和操作为信标并且采用各种技术来检测其他蓝牙设备的信号强度，并且将这种信号强度值无线地传送到服务器，该服务器将各种信号强度值解析为相对位置每个蓝牙电子设备。

89. 发明申请

US20150363767A1 PORTABLE MULTI-FUNCTION DEVICE WITH MULTIPLE TRANSACTION ACCOUNTS 审中-公开
标题翻译：具有多个交易账户的便携式多功能设备
公开(公告)号：US20150363767A1
公开(公告)日：2015-12-17
申请号：US14833746
申请日：2015-08-24
申请人： SIGNATURE SYSTEMS LLC
发明人： Richard Postrel
IPC分类号： G06Q20/34
CPC分类号： G06Q30/0227 , G06Q20/105 , G06Q20/204 , G06Q20/227 , G06Q20/24 , G06Q20/26 , G06Q20/32 , G06Q20/34 , G06Q20/341 , G06Q20/3572 , G06Q20/3574 , G06Q20/387 , G06Q30/00 , G06Q30/02 , G06Q30/0207 , G06Q30/0223 , G06Q30/0224 , G06Q30/0226 , G06Q30/0229 , G06Q30/0231 , G06Q30/0233 , G06Q30/0238 , G06Q30/0239 , G06Q40/00 , H04L67/306
摘要： A portable multi-function device with data memory for storing a plurality of transaction applications, each of the transaction applications configured to make payment in a transaction; program storage comprising instructions to use a selected transaction application to make payment in the transaction; and processing circuitry for performing the instructions in the program storage to use the selected transaction application to execute the transaction.
摘要翻译：一种具有用于存储多个交易应用的数据存储器的便携式多功能设备，每个交易应用被配置为在交易中进行支付; 程序存储器，包括使用所选择的交易应用程序在所述交易中进行支付的指令; 以及处理电路，用于执行程序存储器中的指令以使用所选择的交易应用来执行交易。

90. 发明授权

US09215332B2 Buddy list for blocked service 有权
标题翻译：好友列表阻止服务
公开(公告)号：US09215332B2
公开(公告)日：2015-12-15
申请号：US12992991
申请日：2009-08-26
申请人： Kavita Bhatt
发明人： Kavita Bhatt
IPC分类号： H04M1/00 , H04M15/00 , G06Q20/22 , G06Q20/32 , H04M15/08 , H04M17/00 , G06Q40/00 , H04L29/08
CPC分类号： H04M15/00 , G06Q20/227 , G06Q20/32 , G06Q40/12 , H04L67/306 , H04M15/08 , H04M15/09 , H04M15/765 , H04M17/20 , H04M2215/62 , H04M2215/66 , H04M2215/724
摘要： A buddy list is used to provide a service to a user if the service is blocked. A user may store multiple profiles in a user device, and each profile identifies a different buddy list. If the user's service is blocked, the user device is configured to retrieve a profile and send a request to use a buddy list from the profile to utilize the service. If a request is rejected, another profile is tried until the request is approved or until all the profiles have been exhausted.
摘要翻译：如果服务被阻止，好友列表用于向用户提供服务。用户可以在用户设备中存储多个配置文件，并且每个配置文件标识不同的好友列表。如果用户的服务被阻止，则用户设备被配置为检索配置文件，并且从配置文件发送使用好友列表的请求以利用该服务。如果请求被拒绝，则会尝试使用另一个配置文件，直到请求被批准或直到所有配置文件都用完为止。

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