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1. 发明申请

US20130054413A1 METHODS AND SYSTEMS FOR CONTACTLESS PAYMENTS 审中-公开
标题翻译：无偿支付的方法和系统
公开(公告)号：US20130054413A1
公开(公告)日：2013-02-28
申请号：US13215145
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： G06Q20/3276 , G06Q20/3278
摘要： A contactless payment system for merchant transactions (e.g., a restaurant) comprises generating, at the contactless payment system, a total bill of purchases associated with a consumer, associating a unique identifier of a RFID tag or a QR code with the total bill, transmitting the total bill and associated unique identifier to a consumer accessible payment network, and receiving payment from the consumer for satisfaction of the total bill. The consumer submits the payment using a contactless-enabled device, such as a smartphone. The contactless-enabled device may interrogate the RFID tag or read the QR code to receive the unique identifier and a payment network link. Furthermore, the contactless-enabled device submits a payment transaction request to the payment network, where the payment transaction request includes the unique identifier and an account identifier. The payment network receives the payment transaction request and locates the total bill using the unique identifier as a key.
摘要翻译：用于商业交易的非接触支付系统（例如，餐馆）包括在非接触式支付系统处生成与消费者相关联的购买总额，将RFID标签或QR码的唯一标识符与总帐单相关联，发送将总帐单和相关联的唯一标识符提供给消费者可访问的支付网络，并且从消费者接收支付以满足总帐单。消费者使用无触点启用的设备（如智能手机）提交付款。无接触启用的设备可以询问RFID标签或读取QR码以接收唯一标识符和支付网络链路。此外，无接触启用设备向支付网络提交支付交易请求，其中支付交易请求包括唯一标识符和帐户标识符。支付网络接收支付交易请求，并使用唯一标识符作为密钥定位总帐单。

2. 发明申请

US20120209842A1 SYSTEMS AND METHODS FOR GENERATING CUSTOMIZED TRAVEL ITINERARIES 有权
标题翻译：用于生成自定义旅行行程的系统和方法
公开(公告)号：US20120209842A1
公开(公告)日：2012-08-16
申请号：US13027784
申请日：2011-02-15
申请人： Ellen Bettridge , Brian Brendell , I-Hsin Chuang , Jennifer L. LaFiura , Sheyla Reano , Patricia Shores , Ryan Patrick Moreno
发明人： Ellen Bettridge , Brian Brendell , I-Hsin Chuang , Jennifer L. LaFiura , Sheyla Reano , Patricia Shores , Ryan Patrick Moreno
IPC分类号： G06F17/30 , G06F15/16
CPC分类号： G06Q30/0631 , G06Q50/14
摘要： A method for generating a customized travel itinerary is disclosed. The method may comprise associating an individual with a travel sign based upon the results of a travel quiz; associating the individual with a travel location based upon the travel sign and a travel date; and associating the individual with an activity item based upon the travel sign. The method may additionally comprise receiving, by a mobile communication device, a travel itinerary comprising a plurality of travel locations; displaying, by the mobile communication device, a first travel location from the plurality of travel locations prior to a scheduled departure time for the first travel location; and displaying, by the mobile communication device, a second travel location from the plurality of travel locations prior to a scheduled departure time for the second travel location.
摘要翻译：公开了一种用于生成定制旅行行程的方法。该方法可以包括基于旅行测验的结果将个体与旅行标志相关联; 根据旅行标志和旅行日期将个人与旅行地点相关联; 并且基于旅行标志将个人与活动项目相关联。该方法可以另外包括由移动通信设备接收包括多个旅行位置的旅行行程; 由所述移动通信设备在所述第一旅行位置的预定出发时间之前从所述多个旅行位置显示第一旅行位置; 以及由所述移动通信设备在所述第二旅行位置的预定出发时间之前从所述多个旅行位置显示第二旅行位置。

3. 发明申请

US20070175982A1 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：US20070175982A1
公开(公告)日：2007-08-02
申请号：US11478140
申请日：2006-06-30
申请人： David Bonalle , Emily Chong , I-Hsin Chuang , Lauren Dardick , Jennifer Elwood , William Gray , David Wong
发明人： David Bonalle , Emily Chong , I-Hsin Chuang , Lauren Dardick , Jennifer Elwood , William Gray , David Wong
IPC分类号： G06K5/00
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。

4. 发明申请

US20120109722A1 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：US20120109722A1
公开(公告)日：2012-05-03
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： G07B15/00
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。

5. 发明授权

US08905301B2 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：US08905301B2
公开(公告)日：2014-12-09
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： G06K5/00 , G06Q20/40 , G06Q20/04 , G06Q20/26
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。

6. 发明授权

US08714439B2 Methods and systems for contactless payments at a merchant 有权
标题翻译：商家非接触式付款的方法和系统
公开(公告)号：US08714439B2
公开(公告)日：2014-05-06
申请号：US13280938
申请日：2011-10-25
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： G06F17/00
CPC分类号： G06Q20/352 , G06Q20/102 , G06Q20/202 , G06Q20/325 , G06Q20/3276 , G06Q20/3278 , G06Q20/382 , G06Q20/40 , G06Q20/425
摘要： A coordination server of a contactless payment system may receive a total bill of purchases for a customer from a merchant POS terminal, associate the total bill of purchases with a unique identifier of an RFID tag of a check presenter, and receive notification that payment of the total bill of purchases is authorized. The coordination server may receive the unique identifier and payment information from a contactless-enabled device, and transmit the payment information and the total bill to the merchant POS terminal for transmittal to a merchant acquirer for completion of the transaction under business as usual standards. In one embodiment, the coordination server transmits the payment information and the total bill to a merchant acquirer, which then routes the payment request to an appropriate payment network. In another embodiment, the coordination server transmits the payment information and the total bill directly to the appropriate payment network.
摘要翻译：非接触式支付系统的协调服务器可以从商家POS终端接收客户的总购买单据，将总的购买单据与支票主持人的RFID标签的唯一标识符相关联，并且接收到总票据已被授权。协调服务器可以从启用无触点的设备接收唯一的标识符和支付信息，并将支付信息和总帐单传送到商家POS终端，以便传送到商业收单方，以作为通常的标准完成业务下的交易。在一个实施例中，协调服务器将付款信息和总帐单发送给商家获取方，然后商户获取方将支付请求路由到适当的支付网络。在另一个实施例中，协调服务器将支付信息和总账单直接发送到适当的支付网络。

7. 发明授权

US08595133B2 System and method for satisfying a transaction amount from an alternative funding source 有权
标题翻译：从备用资金来源满足交易金额的制度和方法
公开(公告)号：US08595133B2
公开(公告)日：2013-11-26
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： G06Q40/00 , G06Q20/12 , G06Q20/22 , G06Q20/32
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. Alternative funding options may be 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.
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。替代资金期权可能在交易在销售点处理的基本上同时呈现。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。

8. 发明申请

US20130048717A1 METHODS AND SYSTEMS FOR CONTACTLESS PAYMENTS AT A MERCHANT 有权
标题翻译：在商品上接受付款的方法和系统
公开(公告)号：US20130048717A1
公开(公告)日：2013-02-28
申请号：US13280938
申请日：2011-10-25
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： G06Q20/32 , G06Q20/20
CPC分类号： G06Q20/352 , G06Q20/102 , G06Q20/202 , G06Q20/325 , G06Q20/3276 , G06Q20/3278 , G06Q20/382 , G06Q20/40 , G06Q20/425
摘要： A coordination server of a contactless payment system may receive a total bill of purchases for a customer from a merchant POS terminal, associate the total bill of purchases with a unique identifier of an RFID tag of a check presenter, and receive notification that payment of the total bill of purchases is authorized. The coordination server may receive the unique identifier and payment information from a contactless-enabled device, and transmit the payment information and the total bill to the merchant POS terminal for transmittal to a merchant acquirer for completion of the transaction under business as usual standards. In one embodiment, the coordination server transmits the payment information and the total bill to a merchant acquirer, which then routes the payment request to an appropriate payment network. In another embodiment, the coordination server transmits the payment information and the total bill directly to the appropriate payment network.
摘要翻译：非接触式支付系统的协调服务器可以从商家POS终端接收客户的总购买单据，将总的购买单据与支票主持人的RFID标签的唯一标识符相关联，并且接收到总票据已被授权。协调服务器可以从启用无触点的设备接收唯一的标识符和支付信息，并将支付信息和总帐单传送到商家POS终端，以便传送到商业收单方，以作为通常的标准完成业务下的交易。在一个实施例中，协调服务器将付款信息和总帐单发送给商家获取方，然后商户获取方将支付请求路由到适当的支付网络。在另一个实施例中，协调服务器将支付信息和总账单直接发送到适当的支付网络。

9. 发明授权

US08117129B2 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：US08117129B2
公开(公告)日：2012-02-14
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 , G06Q20/00 , G06G1/12
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。

10. 发明授权

US09552604B2 Systems and methods for generating customized travel itineraries 有权
标题翻译：制定定制旅行行程的系统和方法
公开(公告)号：US09552604B2
公开(公告)日：2017-01-24
申请号：US13027784
申请日：2011-02-15
申请人： Ellen Bettridge , Brian Brendell , I-Hsin Chuang , Jennifer L. LaFiura , Sheyla Reano , Patricia Shores , Ryan Patrick Moreno
发明人： Ellen Bettridge , Brian Brendell , I-Hsin Chuang , Jennifer L. LaFiura , Sheyla Reano , Patricia Shores , Ryan Patrick Moreno
IPC分类号： G06F17/30 , G06Q30/06 , G06Q50/14
CPC分类号： G06Q30/0631 , G06Q50/14
摘要： A method for generating a customized travel itinerary is disclosed. The method may comprise associating an individual with a travel sign based upon the results of a travel quiz; associating the individual with a travel location based upon the travel sign and a travel date; and associating the individual with an activity item based upon the travel sign. The method may additionally comprise receiving, by a mobile communication device, a travel itinerary comprising a plurality of travel locations; displaying, by the mobile communication device, a first travel location from the plurality of travel locations prior to a scheduled departure time for the first travel location; and displaying, by the mobile communication device, a second travel location from the plurality of travel locations prior to a scheduled departure time for the second travel location.
摘要翻译：公开了一种用于生成定制旅行行程的方法。该方法可以包括基于旅行测验的结果将个体与旅行标志相关联; 根据旅行标志和旅行日期将个人与旅行地点相关联; 并且基于旅行标志将个人与活动项目相关联。该方法可以另外包括由移动通信设备接收包括多个旅行位置的旅行行程; 由所述移动通信设备在所述第一旅行位置的预定出发时间之前从所述多个旅行位置显示第一旅行位置; 以及由所述移动通信设备在所述第二旅行位置的预定出发时间之前从所述多个旅行位置显示第二旅行位置。

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