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41. 发明申请

WO2004084007A2 METHODS AND SYSTEMS FOR COORDINATING POOLED FINANCIAL TRANSACTIONS 审中-公开
标题翻译：协调金融交易的方法和系统
公开(公告)号：WO2004084007A2
公开(公告)日：2004-09-30
申请号：PCT/US2004/006632
申请日：2004-03-04
申请人： FIRST DATA CORPORATION , HANSEN, Kurt
发明人： HANSEN, Kurt
IPC分类号： G06F
CPC分类号： G06Q20/29 , G06Q20/10 , G06Q20/102 , G06Q20/227 , G06Q20/405 , G06Q40/00 , G06Q99/00
摘要： Methods and systems are provided for processing a financial transaction. A set of conditions is received that define circumstances for execution of the financial transaction. Funds are collected for each of a plurality of partial payments prior to satisfaction of the set of conditions, with at least two of the partial payments being collected from different persons. The collected funds are accumulated for support of the financial transaction until satisfaction or failure of the set of conditions.
摘要翻译：提供了处理金融交易的方法和系统。收到一套定义金融交易执行情况的条件。在满足一组条件之前，为多个部分付款中的每一个收取资金，部分付款中的至少两个是从不同的人收集的。累计募集资金用于支持金融交易，直至满足或失败为条件。

42. 发明申请

WO2004042590A1 STORED VALUE CURRENCY CONVERSION SYSTEMS AND METHODS 审中-公开
标题翻译：存储价值货币转换系统和方法
公开(公告)号：WO2004042590A1
公开(公告)日：2004-05-21
申请号：PCT/US2003/034594
申请日：2003-10-29
申请人： FIRST DATA CORPORATION
发明人： JAMES, Kevin, A. , BAUMGARTNER, David, R. , NEWBROUGH, Keith, A. , PRIDGEON, Peter, A. , TEIXEIRA, Ryan, G. , COX, Danielle, E.
IPC分类号： G06F15/16
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/28 , G06Q20/342 , G06Q20/381 , G06Q40/04 , G06Q40/06 , G07F7/025
摘要： A method for performing financial transactions in different currencies proceeds by entering an identifier of a presentation instrument (38) into a point-of-sale device along with a redemption amount in a transaction currency that is different from the base currency that is associated with the presentation instrument. The identifier, the redemption amount and a transaction currency code are transmitted to a host computer system (40). In turn, the host computer system transmits back to the point-of-sale device a new balance in the base currency (52).
摘要翻译：以不同货币执行金融交易的方法是通过将一个呈现工具（38）的标识符输入到销售点设备中，以及不同于与该基础货币相关联的基本货币的交易货币中的兑换金额，演示文稿。标识符，兑换金额和交易货币代码被发送到主计算机系统（40）。反过来，主计算机系统将基本货币的新余额传回销售点设备（52）。

43. 发明申请

WO2004036474A1 RULES MANAGEMENT SYSTEMS AND METHODS 审中-公开
标题翻译：规则管理系统和方法
公开(公告)号：WO2004036474A1
公开(公告)日：2004-04-29
申请号：PCT/US2003/032365
申请日：2003-10-10
申请人： FIRST DATA CORPORATION
发明人： VAN BEAUMONT, Eric , BRADLEY, Jerome, A. , LAROSE, Rene, Jeanne , PLOZAY, Molly , MILONI THIELE, Kerry Ann , FRERICHS, Doug , MEYERS, Stephen, M. , MCCARTHY, James, Alan , SCHWARTZ, Kenneth
IPC分类号： G06F17/60
CPC分类号： G06Q40/02 , G06Q20/108 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A method of providing bankcard services includes receiving at a host computer system information from a client defining an event. The method includes receiving at the host computer system information identifying a condition relating to at least one element associated with bankcard accounts. The method further includes receiving at the host computer system information defining an action to be taken based on the condition upon the occurrence of the event. The method also includes storing the event, the condition, and the action as a business rule at the host computer system.
摘要翻译：提供银行卡服务的方法包括在主机计算机系统中从定义事件的客户端接收信息。该方法包括在主计算机系统处接收识别与至少一个与银行卡帐户有关的元素的条件的信息。该方法还包括在主机计算机系统接收基于事件发生时的条件来定义要采取的动作的信息。该方法还包括将事件，条件和操作作为业务规则存储在主机系统中。

44. 发明申请

WO2003083751A1 ALTERNATIVE PAYMENT DEVICES USING ELECTRONIC CHECK PROCESSING AS A PAYMENT MECHANISM 审中-公开
标题翻译：使用电子检查处理作为付款机制的替代付款设备
公开(公告)号：WO2003083751A1
公开(公告)日：2003-10-09
申请号：PCT/US2003/006581
申请日：2003-03-03
申请人： FIRST DATA CORPORATION
发明人： SWIFT, Amy , TIDWELL, Lisa , MOLLETT, Cassandra
IPC分类号： G06F17/60
CPC分类号： G06Q20/04 , G06Q20/02 , G06Q20/023 , G06Q20/0425 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/403 , G07F7/04
摘要： The present invention includes a merchant system (105) that recognizes virtually any payment device (120) or technology that uses electronic check processing as a payment mechanism. For example, the merchant system (105) associates presentation of the payment device (120) with information used to electronically debit a checking account, such as MICR data, and submits the same to a transaction processor (115) capable of settling electronic debit transactions.
摘要翻译：本发明包括实际上识别任何使用电子支票处理作为支付机制的支付装置（120）或技术的商家系统（105）。例如，商户系统（105）将支付设备（120）的显示与用于电子借记诸如MICR数据的支票账户的信息相关联，并将其提交给能够结算电子借记交易的交易处理器（115）。

45. 发明申请

WO2003083624A2 INTERNATIONAL NEGOTIABLE INSTRUMENT PAYMENT 审中-公开
标题翻译：国际免费仪器支付
公开(公告)号：WO2003083624A2
公开(公告)日：2003-10-09
申请号：PCT/US2003/009926
申请日：2003-03-27
申请人： FIRST DATA CORPORATION
发明人： KARAS, Peter, M. , WILBER, Richard, G. , BAUMGART, Mark, D. , TRUJILLO, Chris
IPC分类号： G06F
CPC分类号： G06Q20/381 , G06Q20/02 , G06Q20/102 , G06Q40/02
摘要： According to the invention, a method for purchasing a negotiable instrument from an online payment system by a payor to compensate a payee in relation to a listing on a vending site is disclosed. In one step, a payment currency and/or a drawee bank nationality is selected for the online payment system to use when issuing the payment instrument. Payment information is received from the payor and comprises at least two of: a payee identifier, a payee name, a payee address, and a payment amount. A money handler associated with the payor is debited for at least the payment amount. The payment instrument payable to the payee name for the payment amount is generated. That payment instrument is based on at least one of the payment currency and the drawee bank nationality. The payment currency is different from a currency used by the money handler. The payment instrument is delivered to the payee.
摘要翻译：根据本发明，公开了一种由在付款人从在线支付系统购买可转让票据的方法，用于相对于自动售货地点上市列表补偿收款人。在一步中，选择支付货币和/或受票银行国籍，以便在发行支付工具时在线支付系统使用。从付款人收到付款信息，包括以下中的至少两个：收款人标识符，收款人姓名，收款人地址和付款金额。与付款人相关联的货币处理方式至少扣除了支付金额。产生支付金额的付款方式付款给收款人姓名。该支付工具基于至少一种支付货币和受票银行国籍。付款货币与货币处理程序使用的货币不同。支付工具交付给收款人。

46. 发明申请

WO2003071389A3 SYSTEMS AND METHODS FOR OPERATING LOYALTY PROGRAMS 审中-公开
公开(公告)号：WO2003071389A3
公开(公告)日：2003-08-28
申请号：PCT/US2003/004719
申请日：2003-02-18
申请人： FIRST DATA CORPORATION
发明人： GEORGE, Colleen , CAWTHORNE, John
IPC分类号： G06F17/60
摘要： A loyalty system that may be integrated with a financial infrastructure is provided. Such a financial infrastructure may accommodate transactions involving participants in the loyalty program as well as transactions that do not involve participants in the loyalty program. When a transaction is initiated by a customer at a merchant, regardless of who are the parties to the transaction, it is intercepted by a loyalty switch (212), which determines (216) whether the customer and merchant are participants in the loyalty program. The switch transmits the transaction instruction to the financial infrastructure so that authorization (220) may be received. If it is determined that the customer and merchant are participants in the loyalty program, the loyalty switch (212) also executes a loyalty process that conforms with the criteria of the loyalty program.

47. 发明申请

WO2003060657A3 METHODS AND SYSTEMS FOR MANAGING BUSINESS REPRESENTATIVE DISTRIBUTIONS 审中-公开
公开(公告)号：WO2003060657A3
公开(公告)日：2003-07-24
申请号：PCT/US2003/000251
申请日：2003-01-03
申请人： FIRST DATA CORPORATION
发明人： MOORE, Raymond
IPC分类号： G06F17/60
摘要： A geographical distribution of business representatives is managed by their assignment to geographical units. The assignments are stored on a storage device and a graphical interface permits changes in accordance with management determinations. The graphical interface includes a map on which an area is traced to define a closed geographical area (208, 212). Any geographical units within the closed geographical area are identified (216). After the geographical units are identified (220), their stored characteristics are modified in response to an instruction from a user (232).

48. 发明申请

WO2003060633A3 METHOD FOR RECEIVING ELECTRONICALLY TRANSFERRED FUNDS USING AN AUTOMATED TELLER MACHINE 审中-公开
公开(公告)号：WO2003060633A3
公开(公告)日：2003-07-24
申请号：PCT/US2002/039933
申请日：2002-12-12
申请人： FIRST DATA CORPORATION , SEIFERT, Dean, A. , STOUTENBURG, Earney, E.
发明人： SEIFERT, Dean, A. , STOUTENBURG, Earney, E.
IPC分类号： G06F17/60
摘要： A method for performing a money transfer receive transaction involving a desired amount of money to be transferred from a sender to a recipient includes receiving transaction identifying information provided by the recipient; comparing the transaction identifying information with transaction data stored on a host computer system; providing a confirmation code, to be issued to the recipient, if the transaction identifying information matches the transaction data stored on the host computer system; storing the confirmation code on the host computer system; receiving at the host computer system input corresponding to the confirmation code from a dispensing terminal in communication with the host computer system; comparing the input to the stored confirmation code; and allowing funds, corresponding to at least a portion of the desired amount of money, to be dispensed by the dispensing terminal if the input matches the stored confirmation code. Figure 1 is a schematic diagram of a system according to the invention for performing money transfer transactions.

49. 发明申请

WO2003060633A2 METHOD FOR RECEIVING ELECTRONICALLY TRANSFERRED FUNDS USING AN AUTOMATED TELLER MACHINE 审中-公开
标题翻译：使用自动转塔机接收电子转账资金的方法
公开(公告)号：WO2003060633A2
公开(公告)日：2003-07-24
申请号：PCT/US2002/039933
申请日：2002-12-12
申请人： FIRST DATA CORPORATION , SEIFERT, Dean, A. , STOUTENBURG, Earney, E.
发明人： SEIFERT, Dean, A. , STOUTENBURG, Earney, E.
IPC分类号： G06F
CPC分类号： G07F19/20 , G06Q20/00 , G06Q20/10 , G06Q20/1085 , G06Q20/20 , G06Q20/381 , G06Q20/382 , G06Q20/40 , G06Q99/00 , G07F19/203
摘要： A method for performing a money transfer receive transaction involving a desired amount of money to be transferred from a sender to a recipient includes receiving transaction identifying information provided by the recipient; comparing the transaction identifying information with transaction data stored on a host computer system; providing a confirmation code, to be issued to the recipient, if the transaction identifying information matches the transaction data stored on the host computer system; storing the confirmation code on the host computer system; receiving at the host computer system input corresponding to the confirmation code from a dispensing terminal in communication with the host computer system; comparing the input to the stored confirmation code; and allowing funds, corresponding to at least a portion of the desired amount of money, to be dispensed by the dispensing terminal if the input matches the stored confirmation code.
摘要翻译：一种用于执行汇款接收交易，涉及从发送方转移到接收方的所需数量的货币包括接收由接收方提供的交易识别信息; 将交易识别信息与存储在主计算机系统上的交易数据进行比较; 如果所述交易标识信息与所述主计算机系统上存储的交易数据相匹配，则向所述收件人提供确认代码; 将确认码存储在主机系统上; 从主计算机系统输入与来自与所述主计算机系统通信的分配终端的所述确认代码相对应的输入; 将输入与存储的确认码进行比较; 并且如果输入与所存储的确认代码相匹配，则允许对应于所需金额的至少一部分的资金由分配终端分配。

50. 发明申请

WO2003054664A2 METHODS AND SYSTEMS FOR PROCESSING TRANSACTION REQUESTS 审中-公开
标题翻译：处理交易要求的方法和系统
公开(公告)号：WO2003054664A2
公开(公告)日：2003-07-03
申请号：PCT/US2002/040401
申请日：2002-12-17
申请人： FIRST DATA CORPORATION
发明人： CACHEY, Joseph , SEIFERT, Dean, A. , THOMPSON, Mark , DARLAND, Carol , ALGIENE, Kenneth
IPC分类号： G06F
CPC分类号： G06Q20/02 , G06Q20/04 , G06Q20/10
摘要： Methods and systems are provided for processing money-order requests and other transactions. A list of prohibited persons is maintained, such as a copy of an OFAC SDN list. When a request is made to execute the transaction, name information is collected from a customer and compared with the list. If the name information matches an entry on the list, the transaction request is declined.
摘要翻译：提供方法和系统来处理货币订单请求和其他交易。维护禁止人员名单，例如OFAC SDN名单的副本。当请求执行交易时，从客户收集名称信息并与列表进行比较。如果名称信息与列表中的条目相匹配，则交易请求将被拒绝。

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