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1. 发明申请

WO2010059373A2 BEVERAGE HOLDER HAVING A CHIP UNIT FOR PERFORMING PAYMENT TRANSACTIONS 审中-公开
标题翻译：具有执行付款交易的芯片组的饮料持有人
公开(公告)号：WO2010059373A2
公开(公告)日：2010-05-27
申请号：PCT/US2009/062553
申请日：2009-10-29
申请人： VISA U.S.A. INC. , FUERSTENBERG, Zack , HAMMAD, Ayman , TRIPLETT, Brian , RENTON, Christopher, M. , STEPHENSON, Michael
发明人： FUERSTENBERG, Zack , HAMMAD, Ayman , TRIPLETT, Brian , RENTON, Christopher, M. , STEPHENSON, Michael
IPC分类号： G06F17/00 , B65D25/00 , G06K19/07
CPC分类号： G06Q20/102 , G06K19/07 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/341 , G06Q20/40 , G06Q2220/00
摘要： A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.
摘要翻译：饮料保持器装置包括附接到饮料保持器的芯片单元，其适于与芯片单元读取器通信以执行支付交易以购买饮料。芯片单元存储与金融账户相关联的账户标识符，并且将存储的帐户标识符发送到芯片单元读取器以执行支付交易。

2. 发明申请

WO2011084522A3 PORTAL INCLUDING MERCHANT FUNDED AFFILIATE CASH BACK SERVICE 审中-公开
公开(公告)号：WO2011084522A3
公开(公告)日：2011-07-14
申请号：PCT/US2010/060576
申请日：2010-12-15
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FUERSTENBERG, Zack
发明人： FUERSTENBERG, Zack
IPC分类号： G06Q30/00
摘要： A system and method for managing a rewards program are provided. The method includes receiving information about a consumer, registering the consumer information and creating unique tracking information associated with the consumer. The method further includes receiving a listing of one or more merchants offering an incentive to the consumer, providing the listing to the consumer, receiving input indicative of selection of a merchant, and directing the consumer to a merchant website associated with the selected merchant. Thereafter, the method includes receiving details about an item purchased by the consumer, receiving a total value of an reward for the item purchased by the consumer, calculating a first share of the incentive to be offered to the consumer, and communicating the first share to an issuer of the payment device used by the consumer to be included in a statement provided to the consumer.

3. 发明申请

WO2011047248A2 SYSTEM AND METHOD FOR NON-CREDIT CARD BILLERS TO ACCEPT CREDIT CARD PAYMENTS 审中-公开
标题翻译：用于非信用卡计费者接受信用卡支付的系统和方法
公开(公告)号：WO2011047248A2
公开(公告)日：2011-04-21
申请号：PCT/US2010/052824
申请日：2010-10-15
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FUERSTENBERG, Zack , PURVES, Thomas , MCCALDEN, Gordon , WEINER, Brian
发明人： FUERSTENBERG, Zack , PURVES, Thomas , MCCALDEN, Gordon , WEINER, Brian
IPC分类号： G06Q20/00
CPC分类号： G06Q20/14 , G06Q20/102
摘要： One embodiment of the invention is directed to a method comprising, receiving a payment request message that includes information related to a user and a biller, determining whether the user is enrolled in a bill pay program, and if the user is enrolled in the bill pay program, modifying the payment request message according to user preferences if the user preferences are different than the information in the payment request message. The method further comprises, receiving a payment response message, and generating, using a server computer, transaction information based on the payment response message and biller information, wherein the transaction information is combined with existing reporting and billing process information for the biller.
摘要翻译：本发明的一个实施例针对一种方法，包括：接收包括与用户和账单持有者有关的信息的支付请求消息，确定用户是否注册在账单支付程序中，以及如果如果用户偏好不同于支付请求消息中的信息，则用户被注册在账单支付程序中，根据用户偏好修改支付请求消息。该方法进一步包括接收支付响应消息，并且使用服务器计算机基于支付响应消息和账单信息生成交易信息，其中交易信息与针对该账单的现有报告和账单处理信息相结合。 p>

4. 发明申请

WO2002059847A1 ONLINE PAYMENT TRANSFER AND IDENTITY MANAGEMENT SYSTEM AND METHOD 审中-公开
标题翻译：在线支付转移和身份管理系统及方法
公开(公告)号：WO2002059847A1
公开(公告)日：2002-08-01
申请号：PCT/CA2002/000107
申请日：2002-01-25
申请人： CERTAPAY INC. , FLEISHMAN, Jack , FUERSTENBERG, Zack
发明人： FLEISHMAN, Jack , FUERSTENBERG, Zack
IPC分类号： G07F19/00
CPC分类号： G06Q20/02 , G06F21/31 , G06F2221/2115 , G06Q20/023 , G06Q20/04 , G06Q20/10 , G06Q20/108 , G06Q20/223 , G06Q20/381 , G06Q20/40 , G06Q20/4014
摘要： A person-to-person (P2P) payment platform and identity management system which facilitates online banking by allowing consumers to send and receive money in real-time, with no special registration outside of the users' existing banking relationship, and under the security, brand and control of their own respective banks. A central clearing facility (CCF) coordinates and manages payments for users through partner financial institutions. Customers initiate payments within their online banking accounts or other bank delivery channels, without setting up separate accounts profiles and passwords. The CCF is invisible, and allows the customer to access the bank's delivery channel; select a recipient from a list of past payees or enter a new recipient; specify a payment amount, an expiry date and the account from which to draw the funds, and optionally write a personalized message; receive immediate confirmation of the transaction, following which an email message is sent to the recipient advising of payment with links to various methods of collection, and receive an email message confirmation when the recipient accepts the payment. The recipient establishes his identity by providing responses to one or more customer-defined challenge-response questions, the accuracy of which must be verified before any financial transaction will be effected.
摘要翻译：一种个人对个人（P2P）支付平台和身份管理系统，通过允许消费者实时发送和接收钱币，无需用户现有银行关系之外的特殊注册，而在安全性，品牌和控制各自的银行。中央结算机构（CCF）通过合作金融机构协调和管理用户付款。客户可以在其网上银行帐户或其他银行转帐渠道中进行付款，而无需设置单独的帐户配置文件和密码。 CCF是隐形的，允许客户访问银行的发货渠道; 从过去的收款人列表中选择收件人或输入新的收件人; 指定付款金额，到期日以及从中提取资金的账户，并可选地编写个性化信息; 接收交易的即时确认，然后通过链接到各种收集方法向收件人发送电子邮件消息，并且在收件人接受付款时收到电子邮件确认。收件人通过提供对一个或多个客户定义的质询 - 答复问题的回应来确定其身份，在确定任何金融交易之前，必须验证其准确性。

5. 发明申请

WO2013010070A2 SYSTEMS AND METHODS TO COMMUNICATE WITH TRANSACTION TERMINALS 审中-公开
标题翻译：与交易终端通信的系统和方法
公开(公告)号：WO2013010070A2
公开(公告)日：2013-01-17
申请号：PCT/US2012/046644
申请日：2012-07-13
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FUERSTENBERG, Zack , CUELI, Allen
发明人： FUERSTENBERG, Zack , CUELI, Allen
CPC分类号： G06Q20/40 , G06F21/44 , G06Q20/405
摘要： A transaction terminal is configured with an application that is configured to present a user interface for out-of-band communication with a transaction handler during the processing of a payment transaction. The transaction handler is configured invoke the application in the transaction terminal via transmitting a predetermined code in an authorization response message.
摘要翻译：事务终端配置有应用程序，该应用程序被配置为在处理支付交易期间呈现用于与交易处理器进行带外通信的用户界面。交易处理程序被配置为通过在授权响应消息中发送预定代码来调用交易终端中的应用程序。

6. 发明申请

WO2012167165A2 ACCOUNT LINKING SYSTEM AND METHOD 审中-公开
标题翻译：帐户链接系统和方法
公开(公告)号：WO2012167165A2
公开(公告)日：2012-12-06
申请号：PCT/US2012/040568
申请日：2012-06-01
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , PERSAUD, Omesh A. , VAN DELOO, Lori D. , TRUELSON, Chris J. , FUERSTENBERG, Zack
发明人： PERSAUD, Omesh A. , VAN DELOO, Lori D. , TRUELSON, Chris J. , FUERSTENBERG, Zack
IPC分类号： G06Q40/02 , G06Q20/10
CPC分类号： G06Q20/20 , G06Q20/35785 , G06Q20/405
摘要： Embodiments of the invention are directed to a relationship payment system that allows the establishment of a linked relationship between a primary account of a primary user and a secondary account of a secondary user. The relationship payment system allows a primary user to designate a portion of a credit limit of a primary user's account to grant to a secondary user's account. Transactions are authorized against secondary user's account, and then ultimately clearing and settlement for the transactions is conducted against the primary user's account.
摘要翻译：本发明的实施例涉及一种关系支付系统，其允许建立主用户的主账户和次用户的辅助账户之间的链接关系。关系支付系统允许主要用户指定主要用户帐户的信用限额的一部分以授予次级用户的账户。交易被授权用于次级用户帐户，然后根据主用户的帐户进行交易的最终结算和结算。

7. 发明申请

WO2012122292A2 DONATION KIOSK 审中-公开
标题翻译：捐款KIOSK
公开(公告)号：WO2012122292A2
公开(公告)日：2012-09-13
申请号：PCT/US2012/028107
申请日：2012-03-07
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , WALD, Jerry , FUERSTENBERG, Zack
发明人： WALD, Jerry , FUERSTENBERG, Zack
IPC分类号： G06Q50/22
CPC分类号： G06Q30/0233 , G06Q20/18 , G06Q20/32
摘要： Methods, devices, and systems for charitable giving are disclosed. A consumer can set up a target amount of charitable giving that he or she wishes to pledge during a year, and amounts given toward that goal in various transactions can be summed and compared against the target. A consumer can change his or her target or contribution amounts based on projections toward a year-end date. Customer loyalty points, such as reward points, airline miles, hotel stays, etc. can be converted to cash equivalents and given to charity toward the personal goal if they are about to expire and could be used to meet a targeted charitable amount. Web portals and wireless kiosks located in public areas can accept payments, update users on their gift levels, and generally remind people to contribute to charity.
摘要翻译：披露了慈善捐赠的方法，设备和系统。消费者可以设定一年内愿意承诺的慈善捐赠的目标金额，并可以将各种交易中的这一目标的金额与目标进行总结和比较。消费者可以根据年底前的预测来改变他们的目标或贡献金额。客户忠诚度积分，如奖励积分，航空里程，酒店住宿等可以转换为现金等价物，并将慈善捐赠给个人目标，如果他们即将到期，并可用于达到目标慈善金额。位于公共区域的网络门户和无线信息亭可以接受付款，更新用户的礼品级别，并通常提醒人们为慈善事业做出贡献。

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