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1. 发明申请

US20120041881A1 SECURING EXTERNAL SYSTEMS WITH ACCOUNT TOKEN SUBSTITUTION 有权
标题翻译：安全外部系统与帐户替代
公开(公告)号：US20120041881A1
公开(公告)日：2012-02-16
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： G06Q20/40
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。

2. 发明申请

US20160224976A1 SECURING EXTERNAL SYSTEMS WITH ACCOUNT TOKEN SUBSTITUTION 审中-公开
标题翻译：安全外部系统与帐户替代
公开(公告)号：US20160224976A1
公开(公告)日：2016-08-04
申请号：US15095984
申请日：2016-04-11
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： G06Q20/36 , G06Q20/38 , G06Q20/40
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。

3. 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。

4. 发明授权

US08396455B2 Systems and methods for sorting alert and offer messages on a mobile device 有权
公开(公告)号：US08396455B2
公开(公告)日：2013-03-12
申请号：US12565627
申请日：2009-09-23
申请人： Mark Carlson , Dan Bebenita , Surendra Keshan , Patrick Stan
发明人： Mark Carlson , Dan Bebenita , Surendra Keshan , Patrick Stan
IPC分类号： H04M1/725
CPC分类号： H04M1/72552 , G06Q20/3227 , H04L12/1895 , H04L51/14 , H04L51/38 , H04M15/844 , H04W4/12
摘要： A method and system are presented for sorting alert and offer messages on a mobile device. One embodiment of the invention is directed to a method including receiving alert messages at a mobile device where each alert message contains transaction data associated with a transaction conducted with a merchant. Upon receiving the alert messages, the mobile device receives alert message sorting criteria from a user associated with the mobile device, sorts the alert messages according to the received offer sorting criteria, and displays the sorted alert messages.

5. 发明申请

US20130143533A1 SYSTEMS AND METHODS FOR SORTING ALERT AND OFFER MESSAGES ON A MOBILE DEVICE 审中-公开
公开(公告)号：US20130143533A1
公开(公告)日：2013-06-06
申请号：US13760905
申请日：2013-02-06
申请人： Mark Carlson , Dan Bebenita , Surendra Keshan , Patrick Stan
发明人： Mark Carlson , Dan Bebenita , Surendra Keshan , Patrick Stan
IPC分类号： H04W4/12
CPC分类号： H04M1/72552 , G06Q20/3227 , H04L12/1895 , H04L51/14 , H04L51/38 , H04M15/844 , H04W4/12
摘要： A method and system are presented for sorting alert and offer messages on a mobile device. One embodiment of the invention is directed to a method including receiving alert messages at a mobile device where each alert message contains transaction data associated with a transaction conducted with a merchant. Upon receiving the alert messages, the mobile device receives alert message sorting criteria from a user associated with the mobile device, sorts the alert messages according to the received offer sorting criteria, and displays the sorted alert messages.

6. 发明申请

US20110231235A1 Merchant Configured Advertised Incentives Funded Through Statement Credits 有权
标题翻译：商户配置的广告奖励通过声明积分资助
公开(公告)号：US20110231235A1
公开(公告)日：2011-09-22
申请号：US13053113
申请日：2011-03-21
申请人： John Hamilton MacIlwaine , Patrick Stan , Surendra Keshan , Mark Carlson
发明人： John Hamilton MacIlwaine , Patrick Stan , Surendra Keshan , Mark Carlson
IPC分类号： G06Q30/00
CPC分类号： G06Q20/387 , G06Q30/02 , G06Q30/0215
摘要： An advertised incentive system receives advertised incentive configuration information provided by a merchant. The advertised incentive configuration information defines the content of advertised incentive banners. The advertised incentive banners are provided as needed to merchants to display on the merchant's website. Advertised incentive registration information is received from an account holder after the account holder interacts with the advertised incentive banner. Transaction information is received that contains a qualified purchase made by the account holder. The advertised incentive registration and the qualified purchase are matched. A statement credit is issued against the account holder's account and a debit is issued against the merchant's account in the amount of the statement credit.
摘要翻译：广告激励系统接收由商家提供的广告激励配置信息。广告激励配置信息定义了广告激励横幅的内容。广告的激励横幅是根据需要提供给商家在商家的网站上展示的。帐户持有人与广告激励横幅互动后，从帐户持有人收到广告激励注册信息。收到包含由账户持有人进行的合格购买的交易信息。广告激励注册和合格购买相匹配。对帐户持有人的帐户发出一张报表信用额，并以商誉账户的金额发出借方。

7. 发明申请

US20100075638A1 SYSTEMS AND METHODS FOR SORTING ALERT AND OFFER MESSAGES ON A MOBILE DEVICE 有权
标题翻译：用于在移动设备上分配警报和提供消息的系统和方法
公开(公告)号：US20100075638A1
公开(公告)日：2010-03-25
申请号：US12565627
申请日：2009-09-23
申请人： Mark Carlson , Dan Bebenita , Surendra Keshan , Patrick Stan
发明人： Mark Carlson , Dan Bebenita , Surendra Keshan , Patrick Stan
IPC分类号： H04L12/58
CPC分类号： H04M1/72552 , G06Q20/3227 , H04L12/1895 , H04L51/14 , H04L51/38 , H04M15/844 , H04W4/12
摘要： A method and system for sorting alert and offer messages on a mobile device. One embodiment of the invention is directed to a method including receiving alert messages at a mobile device where each alert message contains transaction data associated with a transaction conducted with a merchant. Upon receiving the alert messages, the mobile device receives alert message sorting criteria from a user associated with the mobile device, sorts the alert messages according to the received offer sorting criteria, and displays the sorted alert messages.
摘要翻译：一种在移动设备上排序警报和提供消息的方法和系统。本发明的一个实施例涉及一种方法，包括在移动设备处接收警报消息，其中每个警报消息包含与与商家进行的交易相关联的交易数据。在接收到警报消息之后，移动设备从与移动设备相关联的用户接收警报消息排序标准，根据接收到的报价排序标准对警报消息进行排序，并显示排序的警报消息。

8. 发明授权

US09697520B2 Merchant configured advertised incentives funded through statement credits 有权
公开(公告)号：US09697520B2
公开(公告)日：2017-07-04
申请号：US13053113
申请日：2011-03-21
申请人： John Hamilton Macllwaine , Patrick Stan , Surendra Keshan , Mark Carlson
发明人： John Hamilton Macllwaine , Patrick Stan , Surendra Keshan , Mark Carlson
IPC分类号： G06Q30/00 , G06Q20/38 , G06Q30/02
CPC分类号： G06Q20/387 , G06Q30/02 , G06Q30/0215
摘要： An advertised incentive system receives advertised incentive configuration information provided by a merchant. The advertised incentive configuration information defines the content of advertised incentive banners. The advertised incentive banners are provided as needed to merchants to display on the merchant's website. Advertised incentive registration information is received from an account holder after the account holder interacts with the advertised incentive banner. Transaction information is received that contains a qualified purchase made by the account holder. The advertised incentive registration and the qualified purchase are matched. A statement credit is issued against the account holder's account and a debit is issued against the merchant's account in the amount of the statement credit.

9. 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。

10. 发明授权

US09071463B2 Systems and methods for sorting alert and offer messages on a mobile device 有权
标题翻译：在移动设备上排序警报和提供消息的系统和方法
公开(公告)号：US09071463B2
公开(公告)日：2015-06-30
申请号：US13760905
申请日：2013-02-06
申请人： Mark Carlson , Dan Bebenita , Surendra Keshan , Patrick Stan
发明人： Mark Carlson , Dan Bebenita , Surendra Keshan , Patrick Stan
IPC分类号： H04M1/725 , H04L12/58 , H04L12/18
CPC分类号： H04M1/72552 , G06Q20/3227 , H04L12/1895 , H04L51/14 , H04L51/38 , H04M15/844 , H04W4/12
摘要： A method and system are presented for sorting alert and offer messages on a mobile device. One embodiment of the invention is directed to a method including receiving alert messages at a mobile device where each alert message contains transaction data associated with a transaction conducted with a merchant. Upon receiving the alert messages, the mobile device receives alert message sorting criteria from a user associated with the mobile device, sorts the alert messages according to the received offer sorting criteria, and displays the sorted alert messages.
摘要翻译：提出了一种用于在移动设备上排序警报和提供消息的方法和系统。本发明的一个实施例涉及一种方法，包括在移动设备处接收警报消息，其中每个警报消息包含与与商家进行的交易相关联的交易数据。在接收到警报消息之后，移动设备从与移动设备相关联的用户接收警报消息排序标准，根据接收到的报价排序标准对警报消息进行排序，并显示排序的警报消息。

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