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1. 发明申请

US20140344150A1 Real Time EFT Network-Based Person-to-Person Transactions 有权
标题翻译：实时电子转账基于网络的个人交易
公开(公告)号：US20140344150A1
公开(公告)日：2014-11-20
申请号：US13895725
申请日：2013-05-16
申请人： Shashi Kapur
发明人： Shashi Kapur
IPC分类号： G06Q20/10
CPC分类号： G06Q20/10 , G06Q20/223
摘要： A system and method for processing person-to-person transactions using EFT (Electronic Funds Transfer) networks in real time is provided. The system may include an adaptive payment server including one or more processors configured to receive first identification information and second identification information from a sender communication device. The adaptive payment server may receive third identification information from a receiver communication device. The adaptive payment server may determine a sender account based on the first identification information. The adaptive payment server may determine a receiver account based on the third identification information. The adaptive payment server may process a person-to-person transaction based on the sender account and the receiver account via an EFT network.
摘要翻译：提供了一种使用EFT（电子资金转帐）网络实时处理个人交易的系统和方法。该系统可以包括自适应支付服务器，其包括被配置为从发送者通信设备接收第一标识信息和第二标识信息的一个或多个处理器。自适应支付服务器可以从接收机通信设备接收第三标识信息。自适应支付服务器可以基于第一标识信息来确定发送者帐户。自适应支付服务器可以基于第三识别信息来确定接收者帐户。自适应支付服务器可以经由EFT网络基于发送者帐户和接收者账户来处理个人对个人交易。

2. 发明申请

US20140089169A1 System and Method of Processing Payment Transactions via Mobile Devices 审中-公开
标题翻译：通过移动设备处理付款交易的系统和方法
公开(公告)号：US20140089169A1
公开(公告)日：2014-03-27
申请号：US13624279
申请日：2012-09-21
申请人： Shashi Kapur , Ralph A. Bianco
发明人： Shashi Kapur , Ralph A. Bianco
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3223 , G06Q20/105
摘要： A system and method for processing payment transactions via mobile devices are provided. An adaptive payment server is configured to accept requests from a mobile device to process different types of payment transactions via various types of payment devices (for example, credit cards, debit cards, EBT cards, or other payment cards). Credit card transactions, debit card transactions, EBT cash benefits transactions, and/or EBT food stamps transactions may be processed based on identification information retrieved from a corresponding payment device via the mobile device.
摘要翻译：提供了一种通过移动设备处理支付交易的系统和方法。自适应支付服务器被配置为接受来自移动设备的请求，以经由各种类型的支付设备（例如，信用卡，借记卡，EBT卡或其他支付卡）处理不同类型的支付交易。信用卡交易，借记卡交易，EBT现金福利交易和/或EBT食品券交易可以基于通过移动设备从相应的支付设备检索的识别信息来处理。

3. 发明申请

US20100057623A1 System and Method of Secure Payment Transactions 有权
标题翻译：安全支付交易的系统和方法
公开(公告)号：US20100057623A1
公开(公告)日：2010-03-04
申请号：US12547771
申请日：2009-08-26
申请人： Shashi KAPUR , Gary PALMER
发明人： Shashi KAPUR , Gary PALMER
IPC分类号： G06Q20/00 , G06Q40/00 , H04L9/32 , H04M1/64
CPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/14 , G06Q20/3224 , G06Q20/325 , G06Q20/382 , G06Q20/4012 , G06Q20/4014 , G06Q20/425 , G07F7/1025
摘要： A system and method for secure payment transactions is provided. The system may include an adaptive payment server including one or more processors configured to receive a first communication including first identification information from a first communication device on a first communication channel. The adaptive payment server may identify a second communication device based on the first identification information and initiate a second communication to the second communication device on a second communication channel, which may be discrete from the first communication channel. The adaptive payment server may receive second identification information from the second communication device on the second communication channel and authenticate the payment transaction using the first identification information and the second identification information.
摘要翻译：提供了用于安全支付交易的系统和方法。该系统可以包括自适应支付服务器，该自适应支付服务器包括被配置为在第一通信信道上从第一通信设备接收包括第一标识信息的第一通信的一个或多个处理器。自适应支付服务器可以基于第一标识信息识别第二通信设备，并且在第二通信信道上发起与第二通信设备的第二通信，第二通信信道可以是离开第一通信信道。自适应支付服务器可以在第二通信信道上从第二通信设备接收第二标识信息，并使用第一标识信息和第二标识信息来认证支付交易。

4. 发明授权

US10049357B2 System and method of processing PIN-based payment transactions via mobile devices 有权
公开(公告)号：US10049357B2
公开(公告)日：2018-08-14
申请号：US14685702
申请日：2015-04-14
申请人： Shashi Kapur , Ralph A. Bianco
发明人： Shashi Kapur , Ralph A. Bianco
IPC分类号： G06Q20/00 , G06Q20/40 , G06Q20/38 , G06Q20/32 , G06Q20/20 , G06Q20/34
摘要： A system and method for using a Personal Identification Number (“PIN”) to authenticate payment transactions via a mobile device coupled to a reader device is described. The reader device may be modified to not only read and encrypt first identification information from a payment medium such as a magnetic strip of a payment card, but also receive a PIN from the mobile device and encrypt the PIN. The mobile device may be configured to prompt for and receive the PIN. The PIN may be communicated to the reader device for encryption. The mobile device may receive the encrypted first identification information and encrypted PIN and communicate the encrypted data to an adaptive payment server that decrypts the encrypted data for processing the payment transaction. The system may be used to securely process PIN-based payment transactions using a mobile device that is communicably coupled to a reader device.

5. 发明申请

US20140032407A1 System and Method for Funds Transfer Processing 审中-公开
标题翻译：资金转移处理系统和方法
公开(公告)号：US20140032407A1
公开(公告)日：2014-01-30
申请号：US13556704
申请日：2012-07-24
申请人： Shashi Kapur , Ralph A. Bianco
发明人： Shashi Kapur , Ralph A. Bianco
IPC分类号： G06Q20/40
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/16 , G06Q20/4012
摘要： A system and method for processing lending transactions that may facilitate prompt transfer of funds (for example, loan funds) to an individual in a secure manner. An adaptive payment server may receive first identification information, second identification information, and a request for a fund transfer. The adaptive payment server may determine an account associated with the first identification information. The adaptive payment server may authenticate identification of the account based on the second identification information. The adaptive payment server may initiate a deposit of a fund amount associated with the request into the identified account, wherein the fund amount is deposited substantially immediately after the identified account has been authenticated.
摘要翻译：一种用于处理贷款交易的系统和方法，可以促进以安全的方式将资金（例如，贷款资金）及时转移给个人。自适应支付服务器可以接收第一识别信息，第二识别信息和资金转移请求。自适应支付服务器可以确定与第一标识信息相关联的帐户。自适应支付服务器可以基于第二识别信息来认证帐户的标识。自适应支付服务器可以将与该请求相关联的基金金额的存款发起到所识别的账户中，其中基金金额在识别的帐户已被认证之后基本上立即存入。

6. 发明申请

US20100057616A1 System and Method of Recurring Payment Transactions 审中-公开
标题翻译：重复付款交易的系统和方法
公开(公告)号：US20100057616A1
公开(公告)日：2010-03-04
申请号：US12547783
申请日：2009-08-26
申请人： Shashi Kapur , Gary Palmer
发明人： Shashi Kapur , Gary Palmer
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/14 , G06Q20/3224 , G06Q20/325 , G06Q20/382 , G06Q20/4012 , G06Q20/4014 , G06Q20/425 , G07F7/1025
摘要： A system and method for a recurring payment transaction is provided. A system of authenticating a recurring payment transaction may include an adaptive payment server that includes one or more processors configured to retrieve account information, which may include a payment date and an identification of a communication device of a payor. The adaptive payment server may initiate a communication to the communication device on or before the payment date and communicate at least a portion of the account information to the communication device. The adaptive payment server may receive, from the communication device, approval information and determine whether to initiate payment of the recurring payment transaction using the approval information. The adaptive payment server may initiate payment of the recurring payment transaction based on the determination.
摘要翻译：提供了一种用于定期支付交易的系统和方法。认证循环付款交易的系统可以包括自适应支付服务器，其包括配置成检索账户信息的一个或多个处理器，其可以包括支付日期和付款人的通信设备的标识。自适应支付服务器可以在支付日期之前或之前发起与通信设备的通信，并将该帐户信息的至少一部分传送到通信设备。自适应支付服务器可以从通信设备接收批准信息并且使用批准信息来确定是否发起定期支付交易的支付。自适应支付服务器可以基于该确定来启动经常性支付交易的支付。

7. 发明申请

US20150324800A1 System and Method of Processing PIN-Based Payment Transactions via Mobile Devices 审中-公开
标题翻译：通过移动设备处理基于PIN的支付交易的系统和方法
公开(公告)号：US20150324800A1
公开(公告)日：2015-11-12
申请号：US14685702
申请日：2015-04-14
申请人： Shashi Kapur , Ralph A. Bianco
发明人： Shashi Kapur , Ralph A. Bianco
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/4012 , G06Q20/206 , G06Q20/322 , G06Q20/3227 , G06Q20/341 , G06Q20/382 , G06Q20/40
摘要： A system and method for using a Personal Identification Number (“PIN”) to authenticate payment transactions via a mobile device coupled to a reader device is described. The reader device may be modified to not only read and encrypt first identification information from a payment medium such as a magnetic strip of a payment card, but also receive a PIN from the mobile device and encrypt the PIN. The mobile device may be configured to prompt for and receive the PIN. The PIN may be communicated to the reader device for encryption. The mobile device may receive the encrypted first identification information and encrypted PIN and communicate the encrypted data to an adaptive payment server that decrypts the encrypted data for processing the payment transaction. The system may be used to securely process PIN-based payment transactions using a mobile device that is communicably coupled to a reader device.
摘要翻译：描述了一种使用个人识别码（“PIN”）通过耦合到读取器设备的移动设备来认证支付交易的系统和方法。读取器设备可以被修改为不仅从诸如支付卡的磁条的支付介质读取和加密第一识别信息，而且还从移动设备接收PIN并加密PIN。移动设备可以被配置为提示并接收PIN。 PIN可以被传送到读取器设备以进行加密。移动设备可以接收加密的第一标识信息和加密的PIN，并将加密的数据传送到自适应支付服务器，该自适应支付服务器对加密的数据进行解密以处理支付交易。该系统可以用于使用可通信地耦合到读取器设备的移动设备来安全地处理基于PIN的支付交易。

8. 发明授权

US09183549B2 System and method of secure payment transactions 有权
标题翻译：安全支付交易的系统和方法
公开(公告)号：US09183549B2
公开(公告)日：2015-11-10
申请号：US12547771
申请日：2009-08-26
申请人： Shashi Kapur , Gary Palmer
发明人： Shashi Kapur , Gary Palmer
IPC分类号： G06Q20/00 , G06Q20/14 , G06Q20/12 , G06Q20/32 , G06Q20/40 , G06Q20/42 , G07F7/10
CPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/14 , G06Q20/3224 , G06Q20/325 , G06Q20/382 , G06Q20/4012 , G06Q20/4014 , G06Q20/425 , G07F7/1025
摘要： A system and method for secure payment transactions is provided. The system may include an adaptive payment server including one or more processors configured to receive a first communication including first identification information from a first communication device on a first communication channel. The adaptive payment server may identify a second communication device based on the first identification information and initiate a second communication to the second communication device on a second communication channel, which may be discrete from the first communication channel. The adaptive payment server may receive second identification information from the second communication device on the second communication channel and authenticate the payment transaction using the first identification information and the second identification information.
摘要翻译：提供了用于安全支付交易的系统和方法。该系统可以包括自适应支付服务器，该自适应支付服务器包括被配置为在第一通信信道上从第一通信设备接收包括第一标识信息的第一通信的一个或多个处理器。自适应支付服务器可以基于第一标识信息识别第二通信设备，并且在第二通信信道上发起与第二通信设备的第二通信，第二通信信道可以是离开第一通信信道。自适应支付服务器可以在第二通信信道上从第二通信设备接收第二标识信息，并使用第一标识信息和第二标识信息来认证支付交易。

9. 发明授权

US09940608B2 Real time EFT network-based person-to-person transactions 有权
公开(公告)号：US09940608B2
公开(公告)日：2018-04-10
申请号：US13895725
申请日：2013-05-16
申请人： Shashi Kapur
发明人： Shashi Kapur
IPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/22
CPC分类号： G06Q20/10 , G06Q20/223
摘要： A system and method for processing person-to-person transactions using EFT (Electronic Funds Transfer) networks in real time is provided. The system may include an adaptive payment server including one or more processors configured to receive first identification information and second identification information from a sender communication device. The adaptive payment server may receive third identification information from a receiver communication device. The adaptive payment server may determine a sender account based on the first identification information. The adaptive payment server may determine a receiver account based on the third identification information. The adaptive payment server may process a person-to-person transaction based on the sender account and the receiver account via an EFT network.

10. 发明申请

US20160171493A1 System and Method of Secure Payment Transactions 审中-公开
标题翻译：安全支付交易的系统和方法
公开(公告)号：US20160171493A1
公开(公告)日：2016-06-16
申请号：US14929674
申请日：2015-11-02
申请人： Shashi Kapur , Gary PALMER
发明人： Shashi Kapur , Gary PALMER
IPC分类号： G06Q20/40 , G06Q20/38
CPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/14 , G06Q20/3224 , G06Q20/325 , G06Q20/382 , G06Q20/4012 , G06Q20/4014 , G06Q20/425 , G07F7/1025
摘要： A system and method for Enable PIN Debit Transactions at Internet Based Online Merchants by Using a Combination of IVR and Hardware Security Module is provided. The system may include an adaptive payment server including one or more processors configured to receive a first communication including first identification information from a first communication device on a first communication channel. The adaptive payment server may identify a second communication device based on the first identification information and initiate a second communication to the second communication device on a second communication channel, which may be discrete from the first communication channel. The adaptive payment server may receive second identification information from the second communication device on the second communication channel and authenticate the payment transaction using the first identification information and the second identification information.
摘要翻译：提供了一种通过使用IVR和硬件安全模块组合启用基于互联网的在线商家PIN码借记业务的系统和方法。该系统可以包括自适应支付服务器，该自适应支付服务器包括被配置为在第一通信信道上从第一通信设备接收包括第一标识信息的第一通信的一个或多个处理器。自适应支付服务器可以基于第一标识信息识别第二通信设备，并且在第二通信信道上发起与第二通信设备的第二通信，第二通信信道可以是离开第一通信信道。自适应支付服务器可以在第二通信信道上从第二通信设备接收第二标识信息，并使用第一标识信息和第二标识信息来认证支付交易。

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