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1. 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。

2. 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。

3. 发明申请

US20120323762A1 System and Method of Multi-Factor Balance Inquiry and Electronic Funds Transfer 审中-公开
标题翻译：多因素平衡查询和电子资金转账系统与方法
公开(公告)号：US20120323762A1
公开(公告)日：2012-12-20
申请号：US13159936
申请日：2011-06-14
申请人： Shashi Kapur , Gary Palmer , Ralph A. Bianco , Terry Dooley , Eric Means
发明人： Shashi Kapur , Gary Palmer , Ralph A. Bianco , Terry Dooley , Eric Means
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/3221 , G06Q20/4037 , G06Q20/425 , G06Q40/02
摘要： A system and method of processing balance inquiries and electronic funds transfers (EFTs) using multi-factor authentication. The method may include receiving an identifier of a financial account and contact information associated with the financial account and initiating a communication via the contact information. Upon receiving an authentication via the communication, the method may include processing a balance inquiry and/or EFT of the financial account based on the identifier and the authentication. The method may include determining a balance of the financial account based on the balance inquiry and/or causing funds to be electronically transferred. The system and method may also facilitate a balance inquiry from a mobile device to an EFT provider.
摘要翻译：使用多因素认证处理余额查询和电子资金转帐（EFT）的系统和方法。该方法可以包括接收金融账户的标识符和与该金融账户相关联的联系信息，并通过联系人信息发起通信。在通过通信接收认证时，该方法可以包括基于标识符和认证来处理金融账户的余额查询和/或EFT。该方法可以包括基于余额查询来确定金融账户的余额和/或导致资金被电子转移。该系统和方法还可以促进从移动设备到EFT提供商的平衡查询。

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

US20140089205A1 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：US20140089205A1
公开(公告)日：2014-03-27
申请号：US13624262
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： G06Q20/40 , G06Q20/32
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。

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