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1. 发明申请

WO2013022533A1 METHODS AND SYSTEMS OF ELECTRONIC MESSAGING 审中-公开
标题翻译：电子消声的方法和系统
公开(公告)号：WO2013022533A1
公开(公告)日：2013-02-14
申请号：PCT/US2012/045655
申请日：2012-07-06
申请人： CITIBANK, N.A. , HOLLANDER, Eran , KESE, Andrew, John , JUBINSKI, Carrie , CARROLL, Nicole , LINDEMANN, Allison
发明人： HOLLANDER, Eran , KESE, Andrew, John , JUBINSKI, Carrie , CARROLL, Nicole , LINDEMANN, Allison
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/325
摘要： Methods and systems of electronic messaging for verification and / or authentication purposes using a point of sale terminal and a card transaction processing network involve, for example, receiving data consisting at least in part of a consumer's identifier that is processable through a transaction card processing network and a nominal monetary amount which is an indicator that the data relates at least in part to a coupon redemption for a consumer. Other aspects include, for example, using different nominal amounts to distinguish between multiple promotions and processing overcharges. Additional aspects involve, for example, receiving data consisting at least in part of an identifier for a registrant that is processable through a transaction card processing network and a nominal monetary amount which serves at least in part to identify a command message on behalf of the registrant.
摘要翻译：使用销售点终端和卡交易处理网络的用于验证和/或认证目的的电子消息的方法和系统包括例如接收至少部分由消费者标识符组成的数据，消费者的标识符可以通过交易卡处理网络以及名义货币金额，这是数据至少部分地与消费者的优惠券兑换有关的指标。其他方面包括例如使用不同的名义数量来区分多个促销和处理过度收费。另外的方面涉及例如接收至少部分由可通过交易卡处理网络处理的注册者的标识符的数据，以及至少部分地代表注册人标识命令消息的名义货币金额。

2. 发明申请

WO2013066982A1 METHODS AND SYSTEMS FOR COMMUNICATING INFORMATION FROM A SMART POINT-OF-SALE TERMINAL 审中-公开
标题翻译：从智能销售终端传递信息的方法和系统
公开(公告)号：WO2013066982A1
公开(公告)日：2013-05-10
申请号：PCT/US2012/062760
申请日：2012-10-31
申请人： CITIBANK, N.A.
发明人： HOLLANDER, Eran , KESE, Andrew, John , JUBINSKI, Carrie , CARROLL, Nicole , LINDEMANN, Allison
IPC分类号： G06Q20/00
CPC分类号： G06Q20/20 , G06Q30/02
摘要： Methods and systems for communicating information from a specially programmed smart point-of-sale terminal involve receiving transaction information at the terminal, recognizing that the transaction relates to a redemption function, adjusting the transaction amount accordingly, and routing an approval request for the adjusted amount to a card issuer processor via a card association transaction processing network. In another aspect, information is received at the terminal which recognizes that the information relates to a third party function and routes a message to the third party processor via a merchant acquirer processor while bypassing the card association transaction processing network. Thereafter, the third party processor performs the third party function and returns a message related at least in part to the performance of the third party function to the smart point-of-sale terminal processor via the merchant acquirer processor.
摘要翻译：用于从专门设计的智能销售点终端传送信息的方法和系统涉及在终端处接收交易信息，确认该交易与兑换功能相关，相应地调整交易金额，以及将调整数量的批准请求通过卡关联事务处理网络发给卡发行者处理器。在另一方面，在终端处接收到信息，其识别出信息与第三方功能相关，并且在绕过卡关联事务处理网络的同时经由商家获取器处理器将消息路由到第三方处理器。此后，第三方处理器执行第三方功能，并且经由商家获取器处理器将至少部分地与第三方功能的执行相关的消息返回给智能销售点终端处理器。

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