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1. 发明授权

US08364593B2 Intelligent authentication 有权
标题翻译：智能认证
公开(公告)号：US08364593B2
公开(公告)日：2013-01-29
申请号：US12826157
申请日：2010-06-29
申请人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
发明人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
IPC分类号： G06Q40/00
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/40 , G06Q20/409
摘要： Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.
摘要翻译：公开了用于智能地认证支付交易的系统和方法。用户启动支付交易以从商家购买商品或服务。商家向支付处理网络和发行者通信的服务器计算机发送支付发起请求。服务器计算机查询各种数据库以确定可由发行方用作认证信道的一个或多个可用通信信道。服务器计算机还确定可由用户的移动设备使用的一个或多个通信信道，其可以用作认证信道来认证支付交易。向用户提供可用/合格认证通道的列表。用户选择一个认证通道，并向发行者通知该选择。发行方使用所选择的认证通道与用户进行通信并认证支付交易。

2. 发明申请

US20110055076A1 RESPONSE TO ALERT MESSAGE 审中-公开
标题翻译：响应信息
公开(公告)号：US20110055076A1
公开(公告)日：2011-03-03
申请号：US12849931
申请日：2010-08-04
申请人： Greg Trifiletti , Ayman Hammad
发明人： Greg Trifiletti , Ayman Hammad
IPC分类号： G06Q40/00 , G06F15/16
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/32 , G06Q20/3221 , G06Q20/3223 , G06Q20/3255 , G06Q20/405 , G06Q40/02
摘要： One embodiment of the invention is directed to a system comprising a server computer, a database coupled to the server, and a notification device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive a request to modify delivery instructions for alerts associated with a consumer, and modify delivery instructions for alerts associated with the consumer.
摘要翻译：本发明的一个实施例涉及包括服务器计算机，耦合到服务器的数据库以及与服务器可操作地通信的通知装置的系统。服务器包括处理器和耦合到处理器的计算机可读介质。计算机可读介质包括其中包含的计算机可读程序代码。计算机可读程序代码适于由处理器执行以接收修改与消费者相关联的警报的传递指令的请求，并修改与消费者相关联的警报的传送指令。

3. 发明申请

US20180005233A1 INTELLIGENT AUTHENTICATION 审中-公开
公开(公告)号：US20180005233A1
公开(公告)日：2018-01-04
申请号：US15707939
申请日：2017-09-18
申请人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
发明人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/20
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/40 , G06Q20/409
摘要： Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.

4. 发明申请

US20130212018A1 INTELLIGENT AUTHENTICATION 有权
标题翻译：智能认证
公开(公告)号：US20130212018A1
公开(公告)日：2013-08-15
申请号：US13718538
申请日：2012-12-18
申请人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
发明人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
IPC分类号： G06Q20/32
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/40 , G06Q20/409
摘要： Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.
摘要翻译：公开了用于智能地认证支付交易的系统和方法。用户启动支付交易以从商家购买商品或服务。商家向支付处理网络和发行者通信的服务器计算机发送支付发起请求。服务器计算机查询各种数据库以确定可由发行方用作认证信道的一个或多个可用通信信道。服务器计算机还确定可由用户的移动设备使用的一个或多个通信信道，其可以用作认证信道来认证支付交易。向用户提供可用/合格认证通道的列表。用户选择一个认证通道，并向发行者通知该选择。发行方使用所选择的认证通道与用户进行通信并认证支付交易。

5. 发明申请

US20110016051A1 INTELLIGENT AUTHENTICATION 有权
标题翻译：智能认证
公开(公告)号：US20110016051A1
公开(公告)日：2011-01-20
申请号：US12826157
申请日：2010-06-29
申请人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
发明人： Greg Trifiletti , Olivier Brand , Mike Lindelsee , James Dimmick , Dave Wentker
IPC分类号： G06Q20/00 , G06F17/30
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/325 , G06Q20/40 , G06Q20/409
摘要： Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.
摘要翻译：公开了用于智能地认证支付交易的系统和方法。用户启动支付交易以从商家购买商品或服务。商家向支付处理网络和发行者通信的服务器计算机发送支付发起请求。服务器计算机查询各种数据库以确定可由发行方用作认证信道的一个或多个可用通信信道。服务器计算机还确定可由用户的移动设备使用的一个或多个通信信道，其可以用作认证信道来认证支付交易。向用户提供可用/合格认证通道的列表。用户选择一个认证通道，并向发行者通知该选择。发行方使用所选择的认证通道与用户进行通信并认证支付交易。

6. 发明申请

US20120030047A1 PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：付款归位装置，方法和系统
公开(公告)号：US20120030047A1
公开(公告)日：2012-02-02
申请号：US13153301
申请日：2011-06-03
申请人： Jacob Fuentes , Matthew Dill , Greg Trifiletti , Peter Ciurea , Ayman Hammad
发明人： Jacob Fuentes , Matthew Dill , Greg Trifiletti , Peter Ciurea , Ayman Hammad
IPC分类号： G06Q30/06
CPC分类号： G06Q20/32 , G06Q20/04 , G06Q20/425 , G06Q30/0601
摘要： The PAYMENT TOKENIZATION APPARATUSES, METHODS AND SYSTEMS (“PT”) transform payment token-based purchase orders via PT components into multi-issuer purchase payment funds transfers. In one embodiment, the PT obtains a token arbitration request including unique source-neutral universally-resolvable payment token information from a merchant for processing a purchase order from a user. The PT queries a token database for issuer information on an issuer using the payment token information, and obtains the issuer information. The PT also determines that the user should be queried for payment options based on the issuer information, generates a payment options request, and provides the payment options request to a mobile device of the user. Upon obtaining a response to the payment options request from the mobile device of the user, the PT generates a purchase authorization request based on the payment options and pre-defined settings for issuers to be contacted for processing the purchase order, and provides the generated purchase authorization request to the issuer.
摘要翻译：付款授权设备，方法和系统（“PT”）通过PT组件将基于付款令牌的采购订单转换为多发行商购买支付资金转帐。在一个实施例中，PT从商家获得包括来自商家的唯一源中性普遍可解析支付令牌信息的令牌仲裁请求，用于处理来自用户的采购订单。 PT使用支付令牌信息查询令牌数据库中的发行者信息，获得发行者信息。 PT还确定基于发行者信息查询用户的付款选项，生成支付选项请求，并向用户的移动设备提供支付选项请求。在从用户的移动设备获得对付款选项请求的响应时，PT基于用于处理采购订单的要联系的发行者的支付选项和预定义设置生成购买授权请求，并且提供所生成的购买对发行人的授权请求。

7. 发明申请

US20100114686A1 REAL-TIME STATEMENT CREDITS AND NOTIFICATIONS 审中-公开
标题翻译：实时报表和通知
公开(公告)号：US20100114686A1
公开(公告)日：2010-05-06
申请号：US12566350
申请日：2009-09-24
申请人： Mark Carlson , Surendra Keshan , Greg Trifiletti , Joe Mirizzi , Prakash Prem Hariramani , Lauren White , Patrick Stan , John Macllwaine
发明人： Mark Carlson , Surendra Keshan , Greg Trifiletti , Joe Mirizzi , Prakash Prem Hariramani , Lauren White , Patrick Stan , John Macllwaine
IPC分类号： G06Q30/00 , G06Q40/00 , H04M11/00
CPC分类号： G06Q20/387 , G06Q20/04 , G06Q30/0215 , G06Q30/0222 , G06Q40/00
摘要： One embodiment of the invention is directed to a server computer comprising a processor and a computer readable medium coupled to the processor. The computer readable medium comprises code for receiving transaction data indicating that a payment transaction associated with a primary account number has occurred and matches a trigger record, code for determining whether the payment transaction qualifies for a credit, code for initiating a credit to an account associated with the primary account number, if the payment transaction qualifies for a credit, and code for sending an electronic notification message to a consumer associated with the primary account number substantially contemporaneously with receiving the transaction data. The electronic notification message includes information about a first offer and that the primary account was credited the amount of the first offer. For example, transaction data is received indicating that a consumer made a purchase with his credit card. If the purchase was in accordance with a previously sent offer, the consumer's account associated with the credit card is credited and the consumer is immediately notified that the account was credited.
摘要翻译：本发明的一个实施例涉及一种包括处理器和耦合到处理器的计算机可读介质的服务器计算机。计算机可读介质包括用于接收指示与主帐号相关联的支付交易已经发生并且匹配触发记录的代码，用于确定支付交易是否符合信用证的代码，用于发起相关帐户的信用的代码如果支付交易有资格获得信用，以及用于与接收交易数据同时发送电子通知消息给与主帐户相关联的消费者的代码。电子通知消息包括关于第一个报价的信息，并且主要帐户被记入第一个报价的数量。例如，接收到交易数据，指示消费者用他的信用卡进行购买。如果购买与先前发送的报价相符，则与信用卡相关联的消费者账户被记入贷方，并立即通知消费者帐户被记入贷方。

8. 发明申请

US20100082420A1 SYSTEM AND METHOD FOR BENEFIT NOTIFICATION 审中-公开
标题翻译：用于通知的系统和方法
公开(公告)号：US20100082420A1
公开(公告)日：2010-04-01
申请号：US12566319
申请日：2009-09-24
申请人： Greg Trifiletti , Joseph J. Mirizzi , Prakash Prem Hariramani , Lauren White
发明人： Greg Trifiletti , Joseph J. Mirizzi , Prakash Prem Hariramani , Lauren White
IPC分类号： G06Q30/00 , G06Q20/00 , G06F15/16
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/3255 , G06Q20/387 , G06Q30/0226 , G06Q30/0238 , G06Q40/00
摘要： A system and method for generating and sending benefit notifications is disclosed. A consumer can conduct a transaction at a merchant. The consumer may receive a notification containing a reward status indicator. The reward status indicator may be text or a figure that indicates a status of a consumer's purchases toward a reward threshold. With this notification, the consumer can be aware both of how many rewards she has already earned, and how many more rewards she may need to obtain to redeem any rewards. The benefit notification message may be sent while the consumer is still near the merchant, such that that the consumer can receive the message with enough time to act on the reward information.
摘要翻译：公开了一种用于产生和发送利益通知的系统和方法。消费者可以在商家进行交易。消费者可能会收到包含奖励状态指示器的通知。奖励状态指示符可以是指示消费者朝向奖励阈值的购买状态的文本或图形。通过此通知，消费者可以意识到她已经获得了多少奖励，以及她可能需要获得多少奖励来赎回任何奖励。在消费者仍然靠近商家的同时可以发送利益通知消息，使得消费者可以在足够的时间接收消息以对奖励信息采取行动。

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