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71. 发明申请

WO2008141222A1 PRESENTATION INSTRUMENT WITH USER-CREATED PIN AND METHODS FOR ACTIVATING 审中-公开
标题翻译：具有用户创建的引脚的演示仪器和用于激活的方法
公开(公告)号：WO2008141222A1
公开(公告)日：2008-11-20
申请号：PCT/US2008/063298
申请日：2008-05-09
申请人： FIRST DATA CORPORATION , NARLINGER, Brett, S. , CAMERON, Jennifer , MARTINEZ, Larry A.
发明人： CAMERON, Jennifer , MARTINEZ, Larry A.
IPC分类号： G06K19/00
CPC分类号： B42D15/02 , G06Q30/02
摘要： In one embodiment, the invention provides a method for activating a presentation instrument using a computerized network. The method utilizes a presentation instrument package that comprises a greeting card and a presentation instrument. A package identifier on the greeting card is read and transmitted to a host computer system to indicate that the presentation instrument has been purchased. After being purchased, the package identifier may be detached from the greeting card and the presentation instrument may be removed from the greeting card. To activate the presentation instrument, an access code and a presentation instrument identifier obtained from the presentation instrument may be provided to the host computer system. Furthermore, the recipient may select a personal identifier to associate with the presentation instrument. The personal identifier may be transmitted to the host computer system for storage.
摘要翻译：在一个实施例中，本发明提供了一种使用计算机网络来激活呈现仪器的方法。该方法利用包括贺卡和演示文书的演示文书包。阅读贺卡上的包标识符并将其发送到主计算机系统以指示已经购买了演示文稿。购买后，包装识别符可能与贺卡分离，并且可以从贺卡中取出展示工具。为了激活演示文稿，可以向主计算机系统提供从演示文稿获得的访问代码和演示文稿标识符。此外，接收者可以选择个人标识符以与呈现工具相关联。个人标识符可以被传送到主计算机系统用于存储。

72. 发明申请

WO2008127946A1 REAL-TIME FUNDS TRANSFER 审中-公开
标题翻译：实时资金转账
公开(公告)号：WO2008127946A1
公开(公告)日：2008-10-23
申请号：PCT/US2008/059796
申请日：2008-04-09
申请人： FIRST DATA CORPORATION , LOOMIS, Nancy , RAE, Peter , SAVILLE, Julie
发明人： LOOMIS, Nancy , RAE, Peter , SAVILLE, Julie
IPC分类号： G06Q40/00
CPC分类号： G07F19/20 , G06Q20/10 , G06Q20/40
摘要： A computerized method for transferring funds from a first account at an initiating financial institution to a second account at a receiving financial institution over an automated teller machine (ATM) network is disclosed. The method may include receiving a funds transfer request from a consumer to transfer funds from the first account at the initiating financial institution to the second account at the receiving financial institution. Authenticating the consumer for a transactions related to the first account at the initiating financial institution may also be included. The system may verify that the funds available in the first account at the initiating financial institution is greater than or equal to the fund transfer amount. Finally, the method debits funds from the first account at the initiating financial institution; and credits funds to the second account at the receiving financial institution.
摘要翻译：公开了一种用于通过自动柜员机（ATM）网络将资金从发起金融机构的第一帐户转移到接收金融机构的第二账户的计算机化方法。该方法可以包括从消费者接收资金转移请求，以将资金从发起金融机构的第一账户转移到接收金融机构的第二账户。对发起金融机构的第一个账户相关交易的消费者进行认证也可以包括在内。该系统可以确认发起金融机构的第一个账户中的可用资金大于或等于资金转账金额。最后，该方法从发起金融机构的第一个账户中扣除资金; 并将资金用于接收金融机构的第二个账户。

73. 发明申请

WO2008118671A1 MASTER GIFT CARD, SYSTEMS AND METHODS 审中-公开
标题翻译：主礼物卡，系统和方法
公开(公告)号：WO2008118671A1
公开(公告)日：2008-10-02
申请号：PCT/US2008/057219
申请日：2008-03-17
申请人： FIRST DATA CORPORATION , WEITZMAN, Felix
发明人： WEITZMAN, Felix
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00
摘要： A portion of the disclosure of this patent document contains material that is subject to copyright protection. The copyright owner has no objection to the facsimile reproduction by anyone of the patent document or the patent disclosure as it appears in the Patent and Trademark Office patent file or records, but otherwise reserves all copyright rights whatsoever.
摘要翻译：该专利文献的一部分披露包含受版权保护的材料。版权所有者不反对任何专利文献或专利公开的专利复制品，如专利商标局专利文件或记录中所示，但以其他方式保留所有版权。

74. 发明申请

WO2008112995A1 MONITORING OF STORED-VALUE-INSTRUMENT USAGE 审中-公开
标题翻译：监控存储价值仪器使用
公开(公告)号：WO2008112995A1
公开(公告)日：2008-09-18
申请号：PCT/US2008/057043
申请日：2008-03-14
申请人： FIRST DATA CORPORATION , WEITZMAN, Felix
发明人： WEITZMAN, Felix
IPC分类号： G06F7/08
CPC分类号： G06Q40/02 , G06Q30/06
摘要： Methods and systems are disclosed of executing a financial transaction that enable enhanced usage monitoring. Funds are received from a buyer for purchase of a single-load stored-value instrument. The single-load stored-value instrument is associated with a predefined value amount. Buyer identification information that identifies the buyer is received. The buyer identification information is stored in association with the stored-value instrument. The stored-value instrument is validated for use in making purchase by drawing from value associated with the stored-value instrument.
摘要翻译：公开了执行能够增强使用监控的金融交易的方法和系统。从买方收到的资金用于购买单负荷储值仪器。单载存储值仪器与预定义的值量相关联。收到标识买方的买方识别信息。买方识别信息与存储值仪器相关联地存储。存储价值工具通过从与存储价值工具相关的价值进行绘制而被验证用于进行购买。

75. 发明申请

WO2008103921A1 FRAUD DETECTION SYSTEM FOR POINT-OF-SALE TERMINALS 审中-公开
标题翻译：针对销售终端的欺诈检测系统
公开(公告)号：WO2008103921A1
公开(公告)日：2008-08-28
申请号：PCT/US2008/054751
申请日：2008-02-22
申请人： FIRST DATA CORPORATION , HAIDER, Gerald , KREBS-FLORIAN, Wolfgang , NIRSCHL, Heinrich
发明人： HAIDER, Gerald , KREBS-FLORIAN, Wolfgang , NIRSCHL, Heinrich
IPC分类号： G06K5/00
CPC分类号： G06Q20/4016 , G06Q20/20 , G06Q20/403
摘要： Fraud detection techniques for use in a system involving secure electronic transactions are disclosed. Manipulation of a terminal of the secure system can be detected by configuring the terminal to detect and record the events occurred to the housing and the external interfaces of the terminal. A processing device analyzes sequences of events recorded by the terminal to determine if any sequence matches a certain pattern, or procedure, of terminal manipulation.
摘要翻译：披露了涉及安全电子交易的系统中使用的欺诈检测技术。可以通过配置终端来检测和记录发生在壳体和终端的外部接口的事件来检测安全系统的终端的操纵。处理装置分析由终端记录的事件序列，以确定任何序列是否与终端操纵的特定模式或过程相匹配。

76. 发明申请

WO2008103879A2 PROVISIONING OF A DEVICE FOR MOBILE COMMERCE 审中-公开
标题翻译：为移动商务提供设备
公开(公告)号：WO2008103879A2
公开(公告)日：2008-08-28
申请号：PCT/US2008/054672
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
CPC分类号： G06Q40/02 , G06Q20/105 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/3278 , G06Q20/363 , G06Q30/06
摘要： Methods, systems, and machine-readable media are disclosed for provisioning information to a mobile device in a mobile commerce system. According to one embodiment, a method of provisioning information to a mobile wallet application of a mobile device can comprise receiving at a mobile wallet server registration information for the mobile device from an acquirer system. A determination can be made based on the registration information as to whether the mobile wallet of the mobile device has been previously provisioned. In response to determining that the mobile wallet of the mobile device has not been previously provisioned, a new mobile wallet can be created for the mobile device. A notification can then be sent from the mobile wallet server to the mobile device, the notification indicating the mobile wallet is available for download.
摘要翻译：公开了用于向移动商务系统中的移动设备供应信息的方法，系统和机器可读介质。根据一个实施例，一种向移动设备的移动钱包应用供应信息的方法可以包括：在移动钱包服务器处从收单方系统接收针对移动设备的注册信息。可以基于注册信息做出关于移动设备的移动钱包是否先前已经被供应的确定。响应于确定移动设备的移动钱包先前未被供应，可以为移动设备创建新的移动钱包。然后可以从移动钱包服务器向移动设备发送通知，指示移动钱包可用于下载的通知。

77. 发明申请

WO2008092027A1 GLOBAL GOVERNMENT SANCTIONS SYSTEMS AND METHODS 审中-公开
标题翻译：全球政府制度体系和方法
公开(公告)号：WO2008092027A1
公开(公告)日：2008-07-31
申请号：PCT/US2008/051947
申请日：2008-01-24
申请人： FIRST DATA CORPORATION , GIACCO, Michael, R. , SCHIRMER, Karen, W. , FREYTA, Lynn, Eloisa
发明人： GIACCO, Michael, R. , SCHIRMER, Karen, W. , FREYTA, Lynn, Eloisa
IPC分类号： G06Q10/00
CPC分类号： G06Q20/04 , G06Q20/102 , G06Q20/40 , G06Q20/4016 , G06Q40/02
摘要： A suspect transaction dataset may be generated from screening a transaction dataset against a master suspect list. Often, this screening process results in a large percentage of false positives hits distributed among the data in the suspect transaction dataset. Among other things, embodiments of the invention provide systems and methods for removing the false positives from a suspect transaction dataset. Some embodiments of the invention use detailed decision matrices to generate, analyze, and cull the dataset. Other embodiments use multi-tiered screening with iterative feedback loops to perform those and other dataset functions.
摘要翻译：可以通过根据主嫌疑人列表筛选事务数据集来生成可疑事务数据集。通常，这种筛选过程导致在可疑交易数据集中的数据中分配的大量误报率。除其他之外，本发明的实施例提供了用于从可疑交易数据集中去除假阳性的系统和方法。本发明的一些实施例使用详细的决策矩阵来生成，分析和剔除数据集。其他实施例使用具有迭代反馈回路的多层次筛选来执行这些和其他数据集功能。

78. 发明申请

WO2008040011A2 STAGED TRANSACTION SYSTEM FOR MOBILE COMMERCE 审中-公开
标题翻译：移动商业的实时交易系统
公开(公告)号：WO2008040011A2
公开(公告)日：2008-04-03
申请号：PCT/US2007/079973
申请日：2007-09-28
申请人： FIRST DATA CORPORATION , RAE, Peter , LOOMIS, Nancy , ALGIENE, Ken , HANSEN, Kurt, L. , DIVELY, Keith, W.
发明人： RAE, Peter , LOOMIS, Nancy , ALGIENE, Ken , HANSEN, Kurt, L. , DIVELY, Keith, W.
IPC分类号： G06Q30/00
CPC分类号： H04H60/21 , G06Q20/12 , G06Q20/123 , G06Q20/32 , G06Q30/06 , H04H60/27
摘要： Systems and methods for accepting payments for goods and services provided by a merchant, m one embodiment a method can be implemented by obtaining digital content; offering said digital content to a wireless telephone user; receiving payment information from said user for purchase of said digital content; processing said payment information so as to confirm payment for said digital content; and then downloading said digital content to said wireless telephone of said wireless telephone user. Optionally, the transaction may be staged by the consumer, or others.
摘要翻译：用于接受由商户提供的商品和服务的支付的系统和方法。在一个实施例中，一种方法可以通过获取数字内容来实现; 将所述数字内容提供给无线电话用户; 接收来自所述用户的用于购买所述数字内容的支付信息; 处理所述支付信息以便确认对所述数字内容的支付; 然后将所述数字内容下载到所述无线电话用户的所述无线电话。可选地，交易可以由消费者或其他人进行。

79. 发明申请

WO2007146751A3 TRANSACTION INSTRUMENTS WITH ENHANCED SECURITY PIN AND EXPIRATION DATE GENERATION 审中-公开
公开(公告)号：WO2007146751A3
公开(公告)日：2007-12-21
申请号：PCT/US2007/070642
申请日：2007-06-07
申请人： FIRST DATA CORPORATION , NEWBROUGH, Keith
发明人： NEWBROUGH, Keith
IPC分类号： G06K19/06 , G06K5/00 , G06K7/10 , H04K1/00 , H04L9/00 , H04L9/32
摘要： The present invention generally relates to transaction instruments with enhanced expiration date (112) and/or security personal identification number (PlN) generation (110). The enhanced security PIN generation (110) may be usefully in connection with account information (130, 140) associated with the transaction instrument to verify and/or authenticate the transaction instrument. In certain aspects, the security PIN may be used in connection with account information (130, 140) associated with the transaction information to authenticate the transaction instrument via a synchronization-based authentication process or similar process. By way of example, the account information (130, 140) may be used as a static identifier to indicate identity of the transaction instrument, and the security PIN (110) may be used to authenticate the identity of the transaction instrument.

80. 发明申请

WO2007131052A2 MOBILE COMMUNICATIONS DEVICE AND INTEGRATED PRESENTATION INSTRUMENT WITH SENSOR CONTROL 审中-公开
标题翻译：移动通信设备和具有传感器控制的综合演示仪器
公开(公告)号：WO2007131052A2
公开(公告)日：2007-11-15
申请号：PCT/US2007/068057
申请日：2007-05-02
申请人： FIRST DATA CORPORATION , BEESON, Curt
发明人： BEESON, Curt
IPC分类号： G06K19/06
CPC分类号： G06Q20/327 , G06K19/0716 , G06K19/0723 , G06Q20/32 , G06Q20/3674 , G06Q20/382 , H04M1/7253
摘要： A mobile communications device is described which includes an input sensor, a memory unit, processing unit, and an antenna configured to wirelessly transmit and receive financial account data for a transaction. The antenna is configured to receive a request for data stored on the memory unit, and may also be configured to induce a voltage from a magnetic field to power certain components of the device. The input sensor may control whether the components can be so powered from the magnetic field. Alternatively, input from the input sensor may otherwise control the functionality of the device. By way of example, data representative of an input received by the input sensor may be transmitted in addition to the requested data.
摘要翻译：描述了一种移动通信设备，其包括输入传感器，存储器单元，处理单元和被配置为无线地发送和接收用于交易的金融账户数据的天线。天线被配置为接收对存储在存储器单元中的数据的请求，并且还可以被配置为从磁场引起电压以对设备的某些组件供电。输入传感器可以控制部件是否能够由磁场供电。或者，来自输入传感器的输入可以另外控制设备的功能。作为示例，除了所请求的数据之外，还可以发送代表输入传感器接收到的输入的数据。

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