专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明申请

US20140337175A1 Universal Electronic Payment Apparatuses, Methods and Systems 审中-公开
标题翻译：通用电子支付设备，方法和系统
公开(公告)号：US20140337175A1
公开(公告)日：2014-11-13
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q20/36 , G06Q20/32 , G06Q30/06
CPC分类号： G06Q20/36 , G06Q20/204 , G06Q20/322 , G06Q20/367 , G06Q30/00 , G06Q30/06 , G06Q30/0623 , G07F7/0886
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
摘要翻译：通用电子支付设备，方法和系统（“UEP”）将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。在一个实现中，UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求，获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。此外，UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。

2. 发明授权

US10223691B2 Universal electronic payment apparatuses, methods and systems 有权
公开(公告)号：US10223691B2
公开(公告)日：2019-03-05
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q30/00 , G06Q20/36 , G06Q20/20 , G06Q30/06 , G07F7/08 , G06Q20/32
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

3. 发明申请

US20120233073A1 Universal Value Exchange Apparatuses, Methods and Systems 审中-公开
标题翻译：通用价值交换设备，方法和系统
公开(公告)号：US20120233073A1
公开(公告)日：2012-09-13
申请号：US13348634
申请日：2012-01-11
申请人： Diane Salmon , Susan French , Victoria Graham , Amil Bhargava , Shipra Jha , Mark Carlson , Edward Katzin , Julian Hua
发明人： Diane Salmon , Susan French , Victoria Graham , Amil Bhargava , Shipra Jha , Mark Carlson , Edward Katzin , Julian Hua
IPC分类号： G06Q40/00 , G06Q30/06
CPC分类号： G06Q40/00 , G06Q20/381
摘要： The UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS (“UVE”) transform cross-ecosystem currency exchange instructions via UVE components into cross-ecosystem currency exchanges. In one embodiment, the UVE may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVE may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVE may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVE may also issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange has been completed and provide a notification of completion of the cross-ecosystem currency exchange.
摘要翻译：通用价值交换设备，方法和系统（“UVE”）通过UVE组件将跨生态系统货币兑换指令转换为跨生态系统货币交换。在一个实施例中，UVE可以获得跨生态系统货币兑换指令，并且基于解析跨生态系统货币兑换指令来确定一个或多个源和目的地。 UVE可以确定与来源和目的地相关联的货币类型，并确定货币类型相对于标准货币的汇率。在一个实施中，UVE可以获得与源和目的地相关联的货币兑换限制和条件，并且产生用于从源到目的地的货币转移的货币兑换流动路径。 UVE还可以向来源和目的地发出货币转移请求，确定跨生态系统货币兑换已经完成，并提供完成跨生态系统货币兑换的通知。

4. 发明申请

US20120271712A1 IN-PERSON ONE-TAP PURCHASING APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：个人一手购买设备，方法和系统
公开(公告)号：US20120271712A1
公开(公告)日：2012-10-25
申请号：US13429670
申请日：2012-03-26
申请人： Edward Katzin , John Kheit , Ayman Hammad , Julian Hua , Jerry Wald
发明人： Edward Katzin , John Kheit , Ayman Hammad , Julian Hua , Jerry Wald
IPC分类号： G06Q30/06 , G06Q30/02
CPC分类号： G06Q30/06 , G06Q20/0453 , G06Q20/20 , G06Q20/209 , G06Q20/3221 , G06Q20/3274 , G06Q20/3276 , G06Q20/36 , G06Q20/387 , G06Q30/0251 , G07G1/0036 , G07G1/0081 , G07G3/003
摘要： Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user's smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat.
摘要翻译：公开了用于将产品代码快照转换为实时，提供驱动的电子购买交易通知以减少欺诈的方法，系统和设备。在一个实施例中，智能手机从产品包中扫描产品标识符，服务器访问产品数据库以获得与产品标识符相关联的产品购买提议，用户从他或她的钱包授权信用卡收费，然后产品购买提供或其他信用卡优惠（用于积分或其他）提供给用户移动设备。在用户在商店的通道中购买物品之后，用户的智能手机显示可由出口扫描的条形码电子收据，以便消费者可以随着产品走出去。在一些实施例中，客户服务代表请求视频聊天，并且基于视频聊天的接受降低交易风险分数。

5. 发明申请

US20130024364A1 CONSUMER TRANSACTION LEASH CONTROL APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：消费者交易泄露控制装置，方法和系统
公开(公告)号：US20130024364A1
公开(公告)日：2013-01-24
申请号：US13624859
申请日：2012-09-21
申请人： Abhinav Shrivastava , Edward Katzin
发明人： Abhinav Shrivastava , Edward Katzin
IPC分类号： G06Q20/38
CPC分类号： G06Q20/38 , G06Q20/02 , G06Q20/12 , G06Q20/35785 , G06Q20/36 , G06Q20/405 , G06Q20/407 , G06Q20/42
摘要： The Consumer Transaction Leash Control Apparatuses, Methods And Systems (“C-LEASH”) transform touchscreen inputs into a virtual wallet mobile application interface including payment control parameters configuration via C-LEASH components into transaction receipts/alerts. In one implementation, the C-LEASH provides, a transaction payment control processor-implemented method, comprising: obtaining, from a user device, payment control parameters via a user interface; storing the payment control parameters with an account; receiving a transaction payment request including payment account information and purchase information; retrieving the stored payment control parameters based on the payment account information; determining when the purchase information of the transaction payment request violates one or more of the stored payment control parameters; and suspending the transaction payment request and sending an alert message to the user device.
摘要翻译：消费者交易牵引控制装置，方法和系统（C-LEASH）将触摸屏输入转换成虚拟钱包移动应用接口，包括通过C-LEASH组件的支付控制参数配置到交易收据/警报中。在一个实现中，C-LEASH提供了一种交易支付控制处理器实现的方法，包括：经由用户界面从用户设备获得支付控制参数; 用账户存储支付控制参数; 接收包括支付账户信息和购买信息的交易支付请求; 基于所述支付帐户信息检索所述存储的支付控制参数; 确定交易支付请求的购买信息何时违反存储的支付控制参数中的一个或多个; 并暂停交易支付请求并向用户设备发送警告消息。

6. 发明申请

US20190080307A1 MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
公开(公告)号：US20190080307A1
公开(公告)日：2019-03-14
申请号：US16189792
申请日：2018-11-13
申请人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
发明人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/02 , G06Q20/12
摘要： The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.

7. 发明授权

US10204327B2 Merchant-consumer bridging platform apparatuses, methods and systems 有权
公开(公告)号：US10204327B2
公开(公告)日：2019-02-12
申请号：US13366083
申请日：2012-02-03
申请人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
发明人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
IPC分类号： G06Q20/20 , G06Q20/02 , G06Q20/12 , G06Q20/40
摘要： The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.

8. 发明申请

US20120303425A1 MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：商业消费者桥梁平台设备，方法和系统
公开(公告)号：US20120303425A1
公开(公告)日：2012-11-29
申请号：US13366083
申请日：2012-02-03
申请人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
发明人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
IPC分类号： G06Q30/00 , G06Q30/02 , G06Q20/40 , G06Q20/20 , G06Q20/36
CPC分类号： G06Q20/20 , G06Q20/027 , G06Q20/12 , G06Q20/4016
摘要： The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.
摘要翻译：商业交易平台设备，方法和系统（MCB平台）通过MCB平台组件将各种活动请求（例如，交易请求，商家信息更新请求，发送请求等）转换为交易记录和商家数据库更新输出。在一个实现中，公开了一种方法，包括：接收包括与商家相关联的商家信息的活动请求; 从数据库检索先前存储的商家记录; 基于所述商家信息和先前存储的商家记录的比较来确定商家信息更新标记; 确定商家信息更新的置信度度; 基于活动请求检索置信度要求; 在低延迟处理时间帧内确定所确定的置信度量度是否满足所检索的置信度要求; 当确定的置信度量度满足所检索的置信度要求时，执行所请求的活动并更新具有商户信息更新标记的先前存储的商家记录; 并且当所确定的置信度量度满足检索的置信度要求时，拒绝活动请求。

9. 发明申请

US20120158589A1 Social Media Payment Platform Apparatuses, Methods and Systems 审中-公开
标题翻译：社交媒体支付平台设备，方法和系统
公开(公告)号：US20120158589A1
公开(公告)日：2012-06-21
申请号：US13327740
申请日：2011-12-15
申请人： Edward Katzin , Julian Hua
发明人： Edward Katzin , Julian Hua
IPC分类号： G06Q20/40 , G06Q20/36 , G06Q20/08
CPC分类号： G06Q20/12 , G06Q20/22 , G06Q20/32 , G06Q20/40 , G06Q50/01
摘要： The SOCIAL MEDIA PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“SocialPay”) transform message posts to social networks via SocialPay components into payment transaction receipts social merchant-consumer bridging offers. In one implementation, the SocialPay obtains a user social pay initiation trigger, and obtains user social data from a social networking site. The SocialPay identifies a social pay command within the user social data. In one implementation, the SocialPay, in identifying the social pay command within the user social data, parses the user social data, and extracts a social pay command string within the user social data. The SocialPay determines a payor identifier, a payee identifier, and a payment amount using the social pay command string. Based on the identified social pay command, the SocialPay initiates a funds payment transaction.
摘要翻译：社交媒体付款平台设备，方法和系统（“SocialPay”）将社交网络的消息帖子通过SocialPay组件转换为支付交易收据社交商家 - 消费者桥接优惠。在一个实现中，SocialPay获得用户社交支付启动触发器，并从社交网站获取用户社交数据。 SocialPay在用户社交数据中识别社会付费指令。在一个实现中，SocialPay在用户社交数据中识别社会付费命令，解析用户社交数据，并在用户社交数据中提取社会付费命令字符串。 SocialPay使用社会付费命令字符串来确定付款人标识符，收款人标识符和支付金额。根据确定的社会收入指示，SocialPay发起资金支付交易。

10. 发明授权

US09342832B2 Securing external systems with account token substitution 有权
标题翻译：使用帐户令牌替换保护外部系统
公开(公告)号：US09342832B2
公开(公告)日：2016-05-17
申请号：US13208733
申请日：2011-08-12
申请人： Gourab Basu , Michael Mori , Ross Sakata , Steve Cracknell , Millie Yee , Mark Carlson , Patrick Stan , Surendra Keshan , Edward Katzin
发明人： Gourab Basu , Michael Mori , Ross Sakata , Steve Cracknell , Millie Yee , Mark Carlson , Patrick Stan , Surendra Keshan , Edward Katzin
IPC分类号： G06Q20/00 , G06Q20/38 , G06Q20/02 , G06Q20/12 , G06Q20/32 , G06Q20/36
CPC分类号： G06Q20/3672 , G06Q20/02 , G06Q20/12 , G06Q20/322 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/385 , G06Q20/4016 , G06Q2220/00
摘要： Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.
摘要翻译：在支付交易的生命周期期间向外部实体提供账户令牌的系统，装置和方法。在一些实施例中，外部实体可以是请求授权支付消息的商家计算机。在其他实施例中，外部实体可以是提供支付处理网络或商家支持功能的支持计算机。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式