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1. 发明申请

US20140258019A1 METHOD AND SYSTEM FOR CREATING AND PROCESSING PERSONALIZED GIFT CARDS 有权
标题翻译：创造和处理个性化礼品卡的方法和系统
公开(公告)号：US20140258019A1
公开(公告)日：2014-09-11
申请号：US13791122
申请日：2013-03-08
申请人： ORBIS PATENTS, LTD.
发明人： Oran CUMMINS , Stephen DOYLE
IPC分类号： G06Q30/06
CPC分类号： G06Q30/0621
摘要： A method for processing a personalized gift card transaction includes: receiving a gift card request from a consumer associated with a payment account, the request including a usage amount, a plurality of merchant identifiers, an account identifier associated with the payment account, and a message; identifying a personalized gift card number; storing a gift card data entry including the personalized gift card number, usage amount, plurality of merchant identifiers, account identifier, and message; transmitting the personalized gift card number; receiving an authorization request for a financial transaction not involving the consumer, the request including the personalized gift card number, a transaction amount, and at least one merchant identifier of the plurality of merchant identifiers; processing the financial transaction including updating, in the database, the usage amount of the gift card data entry based on the transaction amount; and transmitting the message to a recipient of the personalized gift card.
摘要翻译：一种用于处理个性化礼品卡交易的方法包括：从与支付帐户相关联的消费者接收礼品卡请求，所述请求包括使用量，多个商家标识符，与支付帐户相关联的帐户标识符和消息 ; 识别个性化礼品卡号码; 存储包括个性化礼品卡号，使用量，多个商家标识符，帐户标识符和消息的礼品卡数据条目; 发送个性化礼品卡号码; 接收不涉及消费者的金融交易的授权请求，所述请求包括所述个性化礼品卡号，交易金额以及所述多个商家标识符中的至少一个商家标识符; 处理金融交易，包括在数据库中更新基于交易金额的礼品卡数据输入的使用量; 并将消息发送到个性化礼品卡的接收者。

2. 发明授权

US08676707B2 Credit cards system and method having additional features 有权
标题翻译：具有附加功能的信用卡系统和方法
公开(公告)号：US08676707B2
公开(公告)日：2014-03-18
申请号：US12219952
申请日：2008-07-30
申请人： Daniel Ian Flitcroft , Garry Lyons
发明人： Daniel Ian Flitcroft , Garry Lyons
IPC分类号： G06Q40/00
CPC分类号： G06Q20/34 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/16 , G06Q20/24 , G06Q20/28 , G06Q20/342 , G06Q20/354 , G06Q20/3552 , G06Q20/357 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/4016 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G07F7/025 , G07F7/08 , G07F7/1008 , G07F7/12 , G07F7/122 , G07F19/00 , G07F19/2055
摘要： A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.
摘要翻译：提供了一种信用卡系统，其附加功能是提供额外的有限使用信用卡号码和/或卡。这些数字和/或卡可以用于单个或有限的使用交易，从而减少对这些号码和/或卡的欺诈重用的可能性。信用卡系统通过电话或互联网将应用程序应用于“卡远程”交易。另外，当使用单次使用或限制使用的信用卡进行“卡存在”交易时，消除所谓的“撇号”欺诈。各种其他功能增强了信用卡系统，这将允许安全交易，而无需使用精细的加密技术。还提供了限制，分发和使用有限使用卡号码，控制有限使用信用卡号码的有效性，进行有限使用信用卡号码交易和提供用于访问有限使用信用卡号码的远程访问设备的方法。

3. 发明申请

US20090070260A1 CREDIT CARD SYSTEM AND METHOD 审中-公开
标题翻译：信用卡系统和方法
公开(公告)号：US20090070260A1
公开(公告)日：2009-03-12
申请号：US12268063
申请日：2008-11-10
申请人： Daniel I. FLITCROFT , Graham O'Donnell
发明人： Daniel I. FLITCROFT , Graham O'Donnell
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/34 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/16 , G06Q20/24 , G06Q20/28 , G06Q20/342 , G06Q20/354 , G06Q20/3552 , G06Q20/357 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/4016 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G07F7/025 , G07F7/08 , G07F7/1008 , G07F7/12 , G07F7/122 , G07F19/00 , G07F19/2055
摘要： A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.
摘要翻译：提供了一种信用卡系统，其附加功能是提供额外的有限使用信用卡号码和/或卡。这些数字和/或卡可以用于单个或有限的使用交易，从而减少对这些号码和/或卡的欺诈重用的可能性。信用卡系统通过电话或互联网将应用程序应用于“卡远程”交易。另外，当使用单次使用或限制使用的信用卡进行“卡存在”交易时，消除所谓的“撇号”欺诈。各种其他功能增强了信用卡系统，这将允许安全交易，而无需使用精细的加密技术。还提供了限制，分发和使用有限使用卡号码，控制有限使用信用卡号码的有效性，进行有限使用信用卡号码交易和提供用于访问有限使用信用卡号码的远程访问设备的方法。

4. 发明申请

US20140236831A1 CREDIT CARD SYSTEM AND METHOD 审中-公开
标题翻译：信用卡系统和方法
公开(公告)号：US20140236831A1
公开(公告)日：2014-08-21
申请号：US14264110
申请日：2014-04-29
申请人： ORBIS PATENTS LTD.
发明人： Daniel Ian FLITCROFT , Graham O'Donnell
IPC分类号： G06Q20/38
CPC分类号： G06Q20/34 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/16 , G06Q20/24 , G06Q20/28 , G06Q20/342 , G06Q20/354 , G06Q20/3552 , G06Q20/357 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/4016 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G07F7/025 , G07F7/08 , G07F7/1008 , G07F7/12 , G07F7/122 , G07F19/00 , G07F19/2055
摘要： A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.
摘要翻译：提供了一种信用卡系统，其附加功能是提供额外的有限使用信用卡号码和/或卡。这些数字和/或卡可以用于单个或有限的使用交易，从而减少对这些号码和/或卡的欺诈重用的可能性。信用卡系统通过电话或互联网将应用程序应用于“卡远程”交易。另外，当使用单次使用或限制使用的信用卡进行“卡存在”交易时，消除所谓的“撇号”欺诈。各种其他功能增强了信用卡系统，这将允许安全交易，而无需使用精心的加密技术。还提供了限制，分发和使用有限使用卡号码，控制有限使用信用卡号码的有效性，进行有限使用信用卡号码交易和提供用于访问有限使用信用卡号码的远程访问设备的方法。

5. 发明申请

US20140201079A1 TRANSACTION PROCESSING 审中-公开
标题翻译：交易处理
公开(公告)号：US20140201079A1
公开(公告)日：2014-07-17
申请号：US14079711
申请日：2013-11-14
申请人： Orbis Patents Ltd.
发明人： Stephen KAVANAGH , Conor CLARKE , Kleron GUILFOYLE , Patrick BROSNAN
IPC分类号： G06Q20/40 , G06Q20/34
CPC分类号： G06Q20/34 , G06F17/30289 , G06K19/00 , G06Q20/04 , G06Q20/08 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/24 , G06Q20/305 , G06Q20/32 , G06Q20/354 , G06Q20/40 , G06Q20/4014 , G06Q20/403 , G06Q20/4037 , G06Q20/405 , G06Q20/407 , G06Q40/02 , G07F7/08 , G07F7/122
摘要： A transaction processing system for the real time authorization of payment transactions. The system comprises a verification system (4) connected to an issuer card management system (3). A cardholder can access the system via an interface (2) which can be for example the Internet, a wireless device, telephone, or a branch visit. The interface allows the cardholder to input rules governing how their credit card transactions are to be authorized. When the cardholder initiates a purchase transaction with their credit card, an authorization request is passed from the card network to the verification system which executes the rules created by the cardholder in order to approve or deny the transaction.
摘要翻译：一种交易处理系统，用于支付交易的实时授权。该系统包括连接到发行者卡管理系统（3）的验证系统（4）。持卡人可以通过可以是例如因特网，无线设备，电话或分支访问的接口（2）访问系统。该接口允许持卡人输入管理如何授权其信用卡交易的规则。当持卡人使用信用卡启动购买交易时，授权请求将从卡网络传递到验证系统，该验证系统执行持卡人创建的规则，以批准或拒绝交易。

6. 发明申请

US20130204781A1 CREDIT CARD SYSTEM AND METHOD 审中-公开
公开(公告)号：US20130204781A1
公开(公告)日：2013-08-08
申请号：US13829514
申请日：2013-03-14
申请人： ORBIS PATENTS LTD.
发明人： Daniel I. FLITCROFT , Graham O'DONNELL
IPC分类号： G06Q20/40
摘要： A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.

7. 发明申请

US20080120238A1 Business-to Business commerce using financial transaction numbers 有权
标题翻译：使用金融交易号码的企业对商业商务
公开(公告)号：US20080120238A1
公开(公告)日：2008-05-22
申请号：US12010082
申请日：2008-01-18
申请人： Daniel Flitcroft , Graham O'Donnell , Conor Langford , James Carroll
发明人： Daniel Flitcroft , Graham O'Donnell , Conor Langford , James Carroll
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/04 , G06Q20/108 , G06Q20/12 , G06Q20/24 , G06Q20/385 , G06Q30/06 , G06Q40/00 , G06Q40/04
摘要： Controlled Payment Numbers (CPNs) which issue as a unique payment number for each transaction uniquely identify the transaction for matching the purchase and payment information. The issuance of the CPN is controlled by business rules which are designed to and effectively restrict the use of the CPN, such that if a user exceeds his authorization, a CPN is not issued. The business rules are set up according to a hierarchy of users. Further, a declining balance CPN is also provided.
摘要翻译：作为每个交易的唯一支付号码发行的受控付款号码（CPN）唯一地标识交易以匹配购买和支付信息。 CPN的发行由业务规则控制，业务规则旨在有效地限制使用CPN，如果用户超过其授权，则不会发出CPN。业务规则是根据用户层次结构设置的。此外，还提供了下降的平衡CPN。

8. 发明申请

US20030018567A1 Business-to-business commerce using financial transaction numbers 审中-公开
标题翻译：使用金融交易号码的企业对企业商业
公开(公告)号：US20030018567A1
公开(公告)日：2003-01-23
申请号：US10160190
申请日：2002-06-04
申请人： Orbis Patents Ltd.
发明人： Daniel Ian Flitcroft , Graham O'Donnell , Conor Langford , James Carroll
IPC分类号： G06F017/60
CPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/04 , G06Q20/108 , G06Q20/12 , G06Q20/24 , G06Q20/385 , G06Q30/06 , G06Q40/00 , G06Q40/04
摘要： Controlled Payment Numbers (CPNs) which issue as a unique payment number for each transaction uniquely identify the transaction for matching the purchase and payment information. The issuance of the CPN is controlled by business rules which are designed to and effectively restrict the use of the CPN, such that if a user exceed his authorization, a CPN is not issued. The business rules are set-up according to a heirarchy of users. Further, a declining balance CPN is also provided.
摘要翻译：作为每个交易的唯一支付号码发行的受控付款号码（CPN）唯一地标识交易以匹配购买和支付信息。 CPN的发行由业务规则控制，业务规则旨在有效地限制使用CPN，如果用户超过其授权，则不会发出CPN。业务规则是根据用户的权限设置的。此外，还提供了下降的平衡CPN。

9. 发明申请

US20090134217A1 CREDIT CARD SYSTEM AND METHOD 有权
标题翻译：信用卡系统和方法
公开(公告)号：US20090134217A1
公开(公告)日：2009-05-28
申请号：US12359971
申请日：2009-01-26
申请人： Daniel I. Flitcroft , Graham O'Donnell
发明人： Daniel I. Flitcroft , Graham O'Donnell
IPC分类号： G06K5/00
CPC分类号： G06Q20/34 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/16 , G06Q20/24 , G06Q20/28 , G06Q20/342 , G06Q20/354 , G06Q20/3552 , G06Q20/357 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/4016 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G07F7/025 , G07F7/08 , G07F7/1008 , G07F7/12 , G07F7/122 , G07F19/00 , G07F19/2055
摘要： A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.
摘要翻译：提供了一种信用卡系统，其附加功能是提供额外的有限使用信用卡号码和/或卡。这些数字和/或卡可以用于单个或有限的使用交易，从而减少对这些号码和/或卡的欺诈重用的可能性。信用卡系统通过电话或互联网将应用程序应用于“卡远程”交易。另外，当使用单次使用或限制使用的信用卡进行“卡存在”交易时，消除所谓的“撇号”欺诈。各种其他功能增强了信用卡系统，这将允许安全交易，而无需使用精心的加密技术。还提供了限制，分发和使用有限使用卡号码，控制有限使用信用卡号码的有效性，进行有限使用信用卡号码交易和提供用于访问有限使用信用卡号码的远程访问设备的方法。

10. 发明申请

US20030028481A1 Credit card system and method 有权
公开(公告)号：US20030028481A1
公开(公告)日：2003-02-06
申请号：US10160178
申请日：2002-06-04
申请人： Orbis Patents, Ltd.
发明人： Daniel I. Flitcroft , Graham O'Donnell
IPC分类号： G06F017/60
CPC分类号： G06Q20/34 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/16 , G06Q20/24 , G06Q20/28 , G06Q20/342 , G06Q20/354 , G06Q20/3552 , G06Q20/357 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/4016 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G07F7/025 , G07F7/08 , G07F7/1008 , G07F7/12 , G07F7/122 , G07F19/00 , G07F19/2055
摘要： A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to nullcard remotenull transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for nullcard presentnull transactions, so called nullskimmingnull fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.

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