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1. 发明申请

US20110078083A1 ELECTRONIC DRAFT CAPTURE 审中-公开
标题翻译：电子草案
公开(公告)号：US20110078083A1
公开(公告)日：2011-03-31
申请号：US12917775
申请日：2010-11-02
申请人： Anthony James Yeates , Pavel Anatolievich Dournov , Balaji Balasubramanian , Vaidyanathan Arunachalam , Donna Lynn Whitlock , Timothy Belvin
发明人： Anthony James Yeates , Pavel Anatolievich Dournov , Balaji Balasubramanian , Vaidyanathan Arunachalam , Donna Lynn Whitlock , Timothy Belvin
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/20 , G06Q20/40 , G06Q40/00
摘要： A method for processing financial transactions includes transmitting an authorization request to a payment processing gateway server. The authorization request includes a supplemental header having a contract identification field that stores an identification of a contract between a merchant and a payment provider. A transaction response transmission is received from the payment processing gateway server in response to the authorization request. The transaction response transmission includes a transaction response header and a response data component. The transaction response header includes identification of a particular transaction to which the transaction response transmission is applicable. The response data component includes an indication that the contract is invalid. The indication that the contract is invalid is responded to by facilitating a rejection of the financial transaction.
摘要翻译：一种用于处理金融交易的方法包括向支付处理网关服务器发送授权请求。授权请求包括具有存储商家和支付提供商之间的合同标识的合同识别字段的补充头部。响应于授权请求，从支付处理网关服务器接收到交易响应传输。事务响应传输包括事务响应报头和响应数据组件。事务响应报头包括事务响应传输适用于的特定事务的标识。响应数据组件包括合同无效的指示。通过促进拒绝该金融交易来回应合同无效的迹象。

2. 发明授权

US07853525B2 Electronic draft capture 有权
标题翻译：电子吃水捕捉
公开(公告)号：US07853525B2
公开(公告)日：2010-12-14
申请号：US10620293
申请日：2003-07-15
申请人： Anthony James Yeates , Pavel Anatolievich Dournov , Balaji Balasubramanian , Vaidyanathan Arunachalam , Donna Lynn Whitlock , Timothy Belvin
发明人： Anthony James Yeates , Pavel Anatolievich Dournov , Balaji Balasubramanian , Vaidyanathan Arunachalam , Donna Lynn Whitlock , Timothy Belvin
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/20 , G06Q20/40 , G06Q40/00
摘要： A gateway server, point of sale device and protocol are provided for processing financial transactions. A public network interface is configured to couple to a public network and communicate financial authorization requests. The financial authorization requests can include, for example, transaction specific data, a merchant store or location invariant and a supplemental header. A gateway processor processes the financial transaction authorization requests and couples to a financial network interface configured to couple to at least one financial network. The gateway provides a response to the point of sale device based upon data received from the financial network and the authorization request.
摘要翻译：网关服务器，销售点设备和协议被提供用于处理金融交易。公共网络接口被配置为耦合到公共网络并传达财务授权请求。财务授权请求可以包括例如交易特定数据，商店存储或位置不变量和补充标题。网关处理器处理金融交易授权请求并且耦合到被配置为耦合到至少一个金融网络的金融网络接口。网关根据从金融网络接收的数据和授权请求，提供对销售点设备的响应。

3. 发明申请

US20050015336A1 Electronic draft capture 有权
标题翻译：电子吃水捕捉
公开(公告)号：US20050015336A1
公开(公告)日：2005-01-20
申请号：US10620293
申请日：2003-07-15
申请人： Anthony Yeates , Pavel Dournov , Balaji Balasubramanian , Vaidyanathan Arunachalam , Donna Whitlock , Timothy Belvin
发明人： Anthony Yeates , Pavel Dournov , Balaji Balasubramanian , Vaidyanathan Arunachalam , Donna Whitlock , Timothy Belvin
IPC分类号： G06Q20/00 , G06F17/60
CPC分类号： G06Q20/02 , G06Q20/027 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/20 , G06Q20/40 , G06Q40/00
摘要： A gateway server, point of sale device and protocol are provided for processing financial transactions. A public network interface is configured to couple to a public network and communicate financial authorization requests. The financial authorization requests can include, for example, transaction specific data, a merchant store or location invariant and a supplemental header. A gateway processor processes the financial transaction authorization requests and couples to a financial network interface configured to couple to at least one financial network. The gateway provides a response to the point of sale device based upon data received from the financial network and the authorization request.
摘要翻译：网关服务器，销售点设备和协议被提供用于处理金融交易。公共网络接口被配置为耦合到公共网络并传达财务授权请求。财务授权请求可以包括例如交易特定数据，商店存储或位置不变量和补充标题。网关处理器处理金融交易授权请求并且耦合到被配置为耦合到至少一个金融网络的金融网络接口。网关根据从金融网络接收的数据和授权请求，提供对销售点设备的响应。

4. 发明授权

US08885632B2 Communications scheduler 有权
标题翻译：通信调度器
公开(公告)号：US08885632B2
公开(公告)日：2014-11-11
申请号：US11498491
申请日：2006-08-02
申请人： David Anthony Hughes , Balaji Balasubramanian , Danny Kwok
发明人： David Anthony Hughes , Balaji Balasubramanian , Danny Kwok
IPC分类号： H04L12/28 , G01R31/08 , H04J1/16 , H04L1/00 , H04L12/851 , H04L12/701 , H04L12/815 , H04L12/26
CPC分类号： H04L47/6275 , H04L43/0894 , H04L45/00 , H04L45/24 , H04L47/22 , H04L47/24 , H04L47/2475 , H04L47/629
摘要： A System for providing communications over a communications network includes a communications interface and processor. The communications interface communicates over the communications network. The processor directs a communications scheduler to determine at least one metric for a path within the communications network. The processor also selects a data flow for the path and determines whether to transmit a packet in the selected data flow based on the at least one metric. The processor then directs a communications protocol handler to generate the packet for the selected data flow.
摘要翻译：用于通过通信网络提供通信的系统包括通信接口和处理器。通信接口通过通信网络进行通信。处理器指示通信调度器确定通信网络内的路径的至少一个度量。所述处理器还选择所述路径的数据流，并且基于所述至少一个度量确定是否在所选择的数据流中发送分组。然后，处理器指示通信协议处理程序为选定的数据流生成数据包。

5. 发明申请

US20080031149A1 Communications scheduler 有权
标题翻译：通信调度器
公开(公告)号：US20080031149A1
公开(公告)日：2008-02-07
申请号：US11498491
申请日：2006-08-02
申请人： David Anthony Hughes , Balaji Balasubramanian , Danny Kwok
发明人： David Anthony Hughes , Balaji Balasubramanian , Danny Kwok
IPC分类号： H04J1/16 , H04L12/56
CPC分类号： H04L47/6275 , H04L43/0894 , H04L45/00 , H04L45/24 , H04L47/22 , H04L47/24 , H04L47/2475 , H04L47/629
摘要： A System for providing communications over a communications network includes a communications interface and processor. The communications interface communicates over the communications network. The processor directs a communications scheduler to determine at least one metric for a path within the communications network. The processor also selects a data flow for the path and determines whether to transmit a packet in the selected data flow based on the at least one metric. The processor then directs a communications protocol handler to generate the packet for the selected data flow.
摘要翻译：用于通过通信网络提供通信的系统包括通信接口和处理器。通信接口通过通信网络进行通信。处理器指示通信调度器确定通信网络内的路径的至少一个度量。所述处理器还选择所述路径的数据流，并且基于所述至少一个度量确定是否在所选择的数据流中发送分组。然后，处理器指示通信协议处理程序为选定的数据流生成数据包。

6. 发明授权

US08655733B2 Payment workflow extensibility for point-of-sale applications 有权
标题翻译：销售点应用程序的付款流程可扩展性
公开(公告)号：US08655733B2
公开(公告)日：2014-02-18
申请号：US12548435
申请日：2009-08-27
申请人： Gang Chen , Balaji Balasubramanian , Dmitry V. Belikov , Himanshu Lal
发明人： Gang Chen , Balaji Balasubramanian , Dmitry V. Belikov , Himanshu Lal
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/20 , G06Q20/206 , G07G1/14
摘要： Architecture that employs a software development kit and an add-in model to collect payment data and communicate with payment processors in a point-of-sale (POS) application to meet new requirements in new markets. Data gathered from an add-in and from the POS application can be combined and then communicated to the payment processor. The payment method can be determined and payment processing routed to different payment processors based on data and schema of data collected is also described. An add-in can also programmatically obtain information from the POS application information about a transaction and authorize a payment. A payment collecting/processing API is the interface between the POS application tender logic and payment collecting/processing logic and defines how a payment collecting/processing add-in interacts with the POS application.
摘要翻译：架构采用软件开发工具包和附加模型来收集支付数据并与销售点（POS）应用程序中的支付处理器进行通信，以满足新市场的新需求。从加载项和POS应用程序收集的数据可以组合，然后传送到支付处理器。还描述了支付方法，并且还描述了基于收集的数据和模式的支付处理路由到不同支付处理器。加载项还可以以编程方式从POS应用程序获取关于交易的信息并授权付款。付款收集/处理API是POS应用程序招标逻辑和支付收集/处理逻辑之间的接口，并定义了付款收集/处理加载项如何与POS应用程序交互。

7. 发明授权

US07948921B1 Automatic network optimization 有权
标题翻译：自动网络优化
公开(公告)号：US07948921B1
公开(公告)日：2011-05-24
申请号：US11903416
申请日：2007-09-20
申请人： David Anthony Hughes , Balaji Balasubramanian
发明人： David Anthony Hughes , Balaji Balasubramanian
IPC分类号： H04L12/28 , H04L12/56
CPC分类号： H04L12/56 , H04L67/2828 , H04L69/04 , H04L69/22
摘要： Systems and methods for automatic network optimization are provided. One embodiment comprises receiving a first data packet including an unenhanced payload from a first network device. A portion of the first data packet is then modified, the portion being outside the unenhanced payload of the first data packet, to indicate that a first optimization device is capable of enhanced communication. Next, the modified first data packet is sent from the first optimization device to an endpoint device. An indication of a capability of enhanced payload processing may be received. Based on the indication, an enhanced payload of a second data packet addressed to the endpoint device based on the indication may be generated. Finally, the second data packet including the enhanced payload may be sent to the endpoint device.
摘要翻译：提供了自动网络优化的系统和方法。一个实施例包括从第一网络设备接收包括未增强的有效载荷的第一数据分组。然后修改第一数据分组的一部分，该部分在第一数据分组的未增强的有效载荷之外，以指示第一优化装置能够增强通信。接下来，将修改的第一数据分组从第一优化设备发送到端点设备。可以接收到增强的有效载荷处理能力的指示。基于该指示，可以生成基于该指示寻址到端点设备的第二数据分组的增强的有效载荷。最后，可以将包括增强净荷的第二数据分组发送到端点设备。

8. 发明申请

US20110055033A1 PAYMENT WORKFLOW EXTENSIBILITY FOR POINT-OF-SALE APPLICATIONS 有权
标题翻译：支付点销售应用的支付工作流程可扩展性
公开(公告)号：US20110055033A1
公开(公告)日：2011-03-03
申请号：US12548435
申请日：2009-08-27
申请人： Gang Chen , Balaji Balasubramanian , Dmitry V. Belikov , Himanshu Lal
发明人： Gang Chen , Balaji Balasubramanian , Dmitry V. Belikov , Himanshu Lal
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/20 , G06Q20/206 , G07G1/14
摘要： Architecture that employs a software development kit and an add-in model to collect payment data and communicate with payment processors in a point-of-sale (POS) application to meet new requirements in new markets. Data gathered from an add-in and from the POS application can be combined and then communicated to the payment processor. The payment method can be determined and payment processing routed to different payment processors based on data and schema of data collected is also described. An add-in can also programmatically obtain information from the POS application information about a transaction and authorize a payment. A payment collecting/processing API is the interface between the POS application tender logic and payment collecting/processing logic and defines how a payment collecting/processing add-in interacts with the POS application.
摘要翻译：架构采用软件开发工具包和附加模型来收集支付数据并与销售点（POS）应用程序中的支付处理器进行通信，以满足新市场的新需求。从加载项和POS应用程序收集的数据可以组合，然后传送到支付处理器。还描述了支付方法，并且还描述了基于收集的数据和模式的支付处理路由到不同支付处理器。加载项还可以以编程方式从POS应用程序获取关于交易的信息并授权付款。付款收集/处理API是POS应用程序招标逻辑和支付收集/处理逻辑之间的接口，并定义了付款收集/处理加载项如何与POS应用程序交互。

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