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11. 发明申请

WO2009089212A2 ELECTRONIC VERIFICATION SERVICE SYSTEMS AND METHODS 审中-公开
标题翻译：电子验证服务系统和方法
公开(公告)号：WO2009089212A2
公开(公告)日：2009-07-16
申请号：PCT/US2009/030208
申请日：2009-01-06
申请人： FIRST DATA CORPORATION , ROYYURU, Vijay, K. , CONWAY, Craig , SINDACO, Jean, M. , FREISHEIM, Robert, A. , RUPPE, Daniel, J.
发明人： ROYYURU, Vijay, K. , CONWAY, Craig , SINDACO, Jean, M. , FREISHEIM, Robert, A. , RUPPE, Daniel, J.
IPC分类号： G06F21/00
CPC分类号： G06Q20/4014 , G06F21/31 , G06F2221/2103 , G06Q20/341 , G06Q20/40 , G07C9/00039 , G07F7/1008
摘要： Systems and methods for authenticating an applicant. In one implementation, the applicant indicates to an acquirer an existing account for which the applicant wishes to be authenticated. The acquirer sends a message over an electronic funds transfer (EFT) network to an issuer of the account requesting a set of questions to ask the applicant. The issuer replies with a set of questions. The acquirer asks the applicant the questions, and forwards the applicant's answers to the issuer. The issuer compares the answers with known information relating to the account and decides, based on the comparison, whether the applicant is authenticated. The issuer then communicates its decision to the acquirer. Preferably, the messages and their associated replies are added to the set of messages handled by the EFT network, so that authentication may be handled in a standardized way without proliferating applicants' secret information.
摘要翻译：用于认证申请人的系统和方法。在一个实施中，申请人向收单方指示申请人希望认证的现有帐户。收单方通过电子资金转帐（EFT）网络向客户的发行人发送一个信息，要求一组问题要求申请人。发行人回答了一系列问题。收单方向申请人提出问题，并将申请人的答复转发给发行人。发行人将答案与与账户有关的已知信息进行比较，并根据比较确定申请人是否被认证。然后，发行人将其决定通知收购方。优选地，消息及其相关联的回复被添加到由EFT网络处理的消息集合中，使得可以以标准化的方式处理认证，而不会增加申请人的秘密信息。

12. 发明申请

WO2009086167A1 PERSONAL CHECK ACCEPTANCE SYSTEMS AND METHODS 审中-公开
标题翻译：个人检查接受系统和方法
公开(公告)号：WO2009086167A1
公开(公告)日：2009-07-09
申请号：PCT/US2008/087779
申请日：2008-12-19
申请人： FIRST DATA CORPORATION , CLOUTHIER, Michael , AHLES, Daniel
发明人： CLOUTHIER, Michael , AHLES, Daniel
IPC分类号： G06Q40/00
CPC分类号： G06Q20/042 , G06Q20/108 , G06Q20/204 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q30/0601 , G06Q40/00
摘要： Tools for facilitating the acceptance of personal checks and other presentation instruments. The tools, in some aspects, allow for preauthorization of a personal check (or other presentation instrument) prior to the merchant receiving the actual check, allowing a merchant, for example, to accept an order by phone, obtain details about the check that will be used to pay for the order, obtain preauthorization to accept the check, and arrange for delivery of the order. Upon delivering the order, the merchant can receive the check, and then obtain a full authorization to accept the check. The full authorization can be based primarily on the preauthorization, giving the merchant assurance that the check will in fact be authorized. In some cases, the tools of the invention also settle the check; in a particular aspect, the check can be settled without requiring the merchant to deposit the check.
摘要翻译：便于接受个人支票和其他演示文书的工具。这些工具在一些方面允许在商家接收实际支票之前对个人支票（或其他表示工具）进行预授权，允许商家例如通过电话接受订单，获得关于将要进行的支票的细节用于支付订单，获得预授权接受支票，并安排交货订单。在交付订单后，商家可以收到支票，然后获得完整的接受支票的授权。完全授权可以主要基于预授权，使商家保证支票实际上是授权的。在某些情况下，本发明的工具也解决了支票; 在特定方面，支票可以在不要求商家存入支票的情况下结算。

13. 发明申请

WO2009055469A1 PROCESSING SYSTEM FOR ACQUIRING AND REPORTING COMPLIANCE WITH DATA SECURITY REQUIREMENTS 审中-公开
标题翻译：获取和报告符合数据安全要求的处理系统
公开(公告)号：WO2009055469A1
公开(公告)日：2009-04-30
申请号：PCT/US2008/080787
申请日：2008-10-22
申请人： FIRST DATA CORPORATION , BRYS, Dawn M. , HAGBERG, Sabrina , MCCULLOCH, Shirley , WALNUT, Carol , MEADE-KOSLEN, Mary , HAMIAN, Michael , TUCK, David, J. , GALLAGHER, Luanne , SHENOY, Ashok, No.
发明人： BRYS, Dawn M. , HAGBERG, Sabrina , MCCULLOCH, Shirley , WALNUT, Carol , MEADE-KOSLEN, Mary , HAMIAN, Michael , TUCK, David, J. , GALLAGHER, Luanne , SHENOY, Ashok, No.
IPC分类号： G06F12/00
CPC分类号： G06F21/552 , G06Q40/04
摘要： Methods, systems, and machine-readable media are disclosed for tracking and reporting information related to compliance with a set of security requirements by one or more entities handling financial transaction information. According to one embodiment, a system can comprise one or more acquirer systems, each adapted to process information related to a plurality of financial transactions for entities involved in the transaction. A tracking and reporting system can be communicatively coupled with each of the acquirer systems. The tracking and reporting system can be adapted to collect at least a subset of the information related to the plurality of financial transactions, collect compliance information related to the entities involved in the transaction, the compliance information for each entity indicating that entity's compliance with the set of security requirements, and generate one or more reports based on the information related to the plurality of financial transactions and the compliance information.
摘要翻译：公开了方法，系统和机器可读介质，用于跟踪和报告与处理金融交易信息的一个或多个实体的一组安全性要求相关的信息。根据一个实施例，系统可以包括一个或多个收单系统，每个收单系统适于处理与交易中涉及的实体的多个金融交易相关的信息。跟踪和报告系统可以与每个收单系统通信耦合。跟踪和报告系统可以适于收集与多个金融交易相关的信息的至少一个子集，收集与交易中涉及的实体相关的合规信息，每个实体的遵从性信息指示实体遵守该集合并且基于与多个金融交易和合规信息相关的信息生成一个或多个报告。

14. 发明申请

WO2009039186A1 ATM/DEBIT EXPEDITED BILL PAYMENTS 审中-公开
标题翻译： ATM / DEBIT EXPEDITED BILL PAYMENTS
公开(公告)号：WO2009039186A1
公开(公告)日：2009-03-26
申请号：PCT/US2008/076696
申请日：2008-09-17
申请人： FIRST DATA CORPORATION , LOOMIS, Nancy , SAVILLE, Julie
发明人： SAVILLE, Julie
IPC分类号： H04K1/00
CPC分类号： G06Q20/102 , G06Q20/14 , G06Q30/06 , G06Q40/02
摘要： Methods and systems for paying a bill over a financial network are provided. Embodiments of the invention include receiving a payment request at an initiator from a consumer. The payment request may be sent to a financial network. Biller routing information for the biller specified in the payment request is determined at the financial network, at the initiator or at a payment processor. The payment request may be sent to a payment processor using biller routing information. A confirmation message may then be sent to the initiator through the financial network. The initiator may then present the approval or denial message directly to the consumer while the consumer is still in the same session with the initiator. The bill may then be settled between the initiator and the payment processor when the financial network receives the confirmation message that includes an approval message.
摘要翻译：提供了通过金融网络支付账单的方法和系统。本发明的实施例包括在来自消费者的发起者处接收支付请求。付款请求可以发送到金融网络。在金融网络，发起者或支付处理器处确定在支付请求中指定的账单的账单路由信息。支付请求可以使用报价路由信息发送到支付处理器。然后可以通过金融网络向发起者发送确认消息。然后，发起者可以在消费者仍然与发起者处于相同的会话期间直接向消费者呈现批准或拒绝消息。然后，当财务网络接收到包括批准消息的确认消息时，账单可以在发起者和支付处理器之间结算。

15. 发明申请

WO2009035900A1 ELECTRONIC FINANCIAL TRANSACTION ROUTING 审中-公开
标题翻译：电子金融交易路由
公开(公告)号：WO2009035900A1
公开(公告)日：2009-03-19
申请号：PCT/US2008/075220
申请日：2008-09-04
申请人： FIRST DATA CORPORATION , TIEKEN, Craig, A.
发明人： TIEKEN, Craig, A.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/10 , G06Q20/405 , G06Q40/00
摘要： Methods and systems for determining a network for settling an electronic transaction at a financial transaction processor is disclosed according to embodiments of the invention. Certain embodiments include receiving a transaction from a merchant. The transaction may includes a bank identification number (BIN) and a geographical state identifier associated the merchant. From the BIN number, the processor can determine if one or more network flags are asserted for the BIN in the network file. If a single network flag is asserted then routing the transaction through a network associated with the network flag. For example, if a state network flag is asserted then routing the transaction through the state associated with the transaction. If a network priority flag is asserted, routing the transaction through associated network. If an issuer priority flag is asserted, routing the transaction through the network associated with the issuer.
摘要翻译：根据本发明的实施例公开了用于确定金融交易处理器处的电子交易的网络的方法和系统。某些实施例包括从商家接收交易。交易可以包括银行识别号码（BIN）和与商家相关联的地理状态标识符。从BIN号码，处理器可以确定是否为网络文件中的BIN断言了一个或多个网络标志。如果单个网络标志被断言，则通过与网络标志相关联的网络来路由该事务。例如，如果状态网络标志被断言，则路由交易通过与事务相关联的状态。如果网络优先级标志被断言，则通过相关网络路由该事务。如果颁发者优先级标志被断言，则通过与发行者相关联的网络路由该事务。

16. 发明申请

WO2009032450A1 STORED VALUE CARD TRANSACTION CONTROL SYSTEMS AND METHODS 审中-公开
标题翻译：存储卡交易控制系统和方法
公开(公告)号：WO2009032450A1
公开(公告)日：2009-03-12
申请号：PCT/US2008/071933
申请日：2008-08-01
申请人： FIRST DATA CORPORATION , ESSLINGER, Bret, M. , OLSON, Cathy, A.
发明人： ESSLINGER, Bret, M. , OLSON, Cathy, A.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/20
摘要： A gift card processing system which includes a database storing interval information representing a required interval between transactions using the gift card. The database also stores data representing the maximum amount of each transaction. The gift card processing system is part of a network that includes POS terminals at merchant locations, where the gift card may be presented. A card ID is read from the card at a POS terminal and used to access the interval data and the maximum transaction amount data.
摘要翻译：一种礼品卡处理系统，其包括数据库，其存储表示使用礼品卡的交易之间所需间隔的间隔信息。数据库还存储表示每个交易的最大数量的数据。礼品卡处理系统是包括商店位置的POS终端的网络的一部分，其中可以呈现礼品卡。在POS终端从卡读取卡片ID，并用于访问间隔数据和最大交易金额数据。

17. 发明申请

WO2008141292A1 HANDLING OF ACH PAYMENT REJECTIONS SYSTEMS AND METHODS 审中-公开
标题翻译： ACH付款拒付系统和方法的处理
公开(公告)号：WO2008141292A1
公开(公告)日：2008-11-20
申请号：PCT/US2008/063448
申请日：2008-05-12
申请人： FIRST DATA CORPORATION , SGARAGLIO, Michael, L. , COLLINS, John
发明人： SGARAGLIO, Michael, L. , COLLINS, John
IPC分类号： H04K1/00
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/10 , G06Q20/4016 , G06Q20/405
摘要： Methods, systems, and machine-readable media are disclosed for processing financial transactions. According to one embodiment, a method for processing financial transactions prior to a collection of payment for the transactions can comprise receiving information related to a plurality of transactions from a party to the transactions. One or more rules can be applied to the information related to the plurality of transactions. The one or more rules can define dispositions of the payment for the transactions to provide for collection of fees associated with the transactions. Payment for the transactions can be handled based on applying the one or more rules.
摘要翻译：公开了用于处理金融交易的方法，系统和机器可读介质。根据一个实施例，在收集交易的支付之前处理金融交易的方法可以包括从一方接收与多个事务相关的信息到交易。一个或多个规则可以应用于与多个事务相关的信息。一个或多个规则可以定义交易的付款处理，以提供与交易相关的费用的收集。交易的付款可以基于应用一个或多个规则来处理。

18. 发明申请

WO2008127945A1 MODULAR PAYMENT TERMINAL EQUIPMENT 审中-公开
标题翻译：模块化付款终端设备
公开(公告)号：WO2008127945A1
公开(公告)日：2008-10-23
申请号：PCT/US2008/059789
申请日：2008-04-09
申请人： FIRST DATA CORPORATION , KUBO, Takayuki , ALBRECHT, Norbrecht
发明人： KUBO, Takayuki , ALBRECHT, Norbrecht
IPC分类号： G06Q40/00
CPC分类号： G07F7/10 , G06Q20/341 , G07F7/082 , G07F7/1008
摘要： A modular scheme of building payment terminal equipment is provided. The payment terminal equipment runs a plurality of inter-communicating terminal process collaborating to perform a payment transaction. The terminal equipment comprises a plurality of hardware modules, each of which runs at least one of the terminal processes and is equipped with an operating system kernel for providing the inter-process communication capability. Preferably, the inter-process communication adheres to open standards or protocols. This modular design of payment terminal equipment can greatly reduce the price of the terminal equipment and encourages inter-supplier collaboration as well as technological innovations.
摘要翻译：提供了建立支付终端设备的模块化方案。支付终端设备运行多个互通终端处理，协作执行支付交易。终端设备包括多个硬件模块，每个硬件模块运行至少一个终端进程，并且配备有用于提供进程间通信能力的操作系统内核。优选地，进程间通信遵守开放的标准或协议。这种支付终端设备的模块化设计可以大大降低终端设备的价格，并鼓励供应商间的协作和技术创新。

19. 发明申请

WO2008103882A3 ENROLLMENT AND REGISTRATION OF A DEVICE IN A MOBILE COMMERCE SYSTEM 审中-公开
公开(公告)号：WO2008103882A3
公开(公告)日：2008-08-28
申请号：PCT/US2008/054676
申请日：2008-02-22
申请人： FIRST DATA CORPORATION , ARTHUR, Steven, E. , TOOMER, Christopher, L. , OWEN, Sarah , VANDEBURG, Theodore
发明人： ARTHUR, Steven, E. , TOOMER, Christopher, L. , OWEN, Sarah , VANDEBURG, Theodore
IPC分类号： G06Q40/00
摘要： Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.

20. 发明申请

WO2008014212A3 ACCOUNT MANAGEMENT SYSTEMS AND METHODS 审中-公开
公开(公告)号：WO2008014212A3
公开(公告)日：2008-01-31
申请号：PCT/US2007/074134
申请日：2007-07-23
申请人： FIRST DATA CORPORATION , KOENIGSMAN, Michael, James , VAN BEAUMONT, Eric, Frankin , HARTIGAN, Cynthia, J. , LAROSE, Rene', Jeanne , PARR, Stephen, E. , DUTTA, Pijush
发明人： KOENIGSMAN, Michael, James , VAN BEAUMONT, Eric, Frankin , HARTIGAN, Cynthia, J. , LAROSE, Rene', Jeanne , PARR, Stephen, E. , DUTTA, Pijush
IPC分类号： G06Q40/00
摘要： A method of managing accounts relating to presentation instruments includes receiving at a host computer system information from a client defining an account management rule. The rule includes an event, a condition, and an action to be taken if the condition is satisfied upon the occurrence of the event. The method also includes monitoring a plurality of accounts for the occurrence of the event, upon the occurrence of the event for a specific account, evaluating the condition, based on the evaluation, taking the action, thereby managing the account without human intervention, and providing notification of the action to an individual.

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