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1. 发明申请

WO2022245343A1 INSTANT DIGITAL ISSUANCE 审中-公开
公开(公告)号：WO2022245343A1
公开(公告)日：2022-11-24
申请号：PCT/US2021/033110
申请日：2021-05-19
申请人： FIRST DATA CORPORATION
发明人： ROYYURU, Vijay , SWAMINATHAN, Sridher
IPC分类号： G06Q20/02 , G06Q20/22 , G06Q20/36 , G06Q20/38
摘要： Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. In this way, the payment source information is "pushed" into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.

2. 发明申请

WO2020023500A1 PAY WITH POINTS AT POINT OF SERVICE 审中-公开
公开(公告)号：WO2020023500A1
公开(公告)日：2020-01-30
申请号：PCT/US2019/043016
申请日：2019-07-23
申请人： FIRST DATA CORPORATION
发明人： ROYYURU, Vijay K. , BYERS, Lanny , FARRIS, David , KRETSCHMER, Shawn , WHITE, Cindy , FOX, Skyler , ROSS, April
IPC分类号： G06Q20/00 , G06Q20/02 , G06Q20/20 , G06Q20/32 , G06Q20/36 , G06Q20/38
摘要： Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.

3. 发明申请

WO2019204274A1 SYSTEM AND METHOD FOR STORING DATA USED BY BREACH DETECTION SYSTEMS 审中-公开
公开(公告)号：WO2019204274A1
公开(公告)日：2019-10-24
申请号：PCT/US2019/027630
申请日：2019-04-16
申请人： FIRST DATA CORPORATION
发明人： MASCARO, Christopher M.
IPC分类号： G06Q10/00 , G06Q30/00 , G06Q40/00 , G06F21/60
摘要： A system for detecting breach of merchant systems includes an extraction management system for extracting wildcard data from a dump site at which stolen account data is offered for sale. The system also includes an account breach identifying system for accessing stored transaction data from multiple banks and merging the extracted dump site data with the transaction data to create unique PAN (primary account number) data records (each set of wildcard data corresponds to only a single PAN) and multiple PAN data records (each set of wildcard data corresponds to multiple PANs). The unique and multiple PAN data records are stored and analyzed separately, and reduce the amount of data needed to identify a breached merchant.

4. 发明申请

WO2015109158A1 SYSTEMS AND METHODS FOR MANAGING LOYALTY ACCOUNTS 审中-公开
标题翻译：用于管理积分账户的系统和方法
公开(公告)号：WO2015109158A1
公开(公告)日：2015-07-23
申请号：PCT/US2015/011717
申请日：2015-01-16
申请人： FIRST DATA CORPORATION
发明人： CHUNG, Alan L.
IPC分类号： G06Q30/02
CPC分类号： G07F17/3255 , G07F17/3237 , G07F17/3244
摘要： Systems, devices, methods, computer-readable media, techniques, and methodologies are disclosed for managing loyalty accounts. In some embodiments, a server may receive a merchant ID associated with a merchant and consumer information associated with a user via a mobile device of the user. The server may determine a location of the user based at least in part on the merchant ID. The server may obtain information associated with at least one consumer loyalty account based at least in part on the consumer information. The server may determine at least one offer for transmission to the mobile device of the user or to a point of sale device associated with the merchant.
摘要翻译：公开了用于管理忠诚度帐户的系统，设备，方法，计算机可读介质，技术和方法。在一些实施例中，服务器可以经由用户的移动设备接收与商户相关联的商家ID和与用户相关联的消费者信息。服务器可以至少部分地基于商家ID来确定用户的位置。服务器可以至少部分地基于消费者信息获得与至少一个消费者忠诚度帐户相关联的信息。服务器可以确定用于向用户的移动设备或与商家相关联的销售点设备的至少一个报价。

5. 发明申请

WO2011143114A1 MOBILE COUPON ANALYSIS SYSTEMS AND METHODS 审中-公开
标题翻译：移动电话分析系统和方法
公开(公告)号：WO2011143114A1
公开(公告)日：2011-11-17
申请号：PCT/US2011/035756
申请日：2011-05-09
申请人： FIRST DATA CORPORATION , POINTER, Barry F. , MOREA, Dominic , HORSMA, Bengt , WUHRER, Christopher , MYERS, Jerome , HO, Michelangelo R. , OWEN, Sarah
发明人： POINTER, Barry F. , MOREA, Dominic , HORSMA, Bengt , WUHRER, Christopher , MYERS, Jerome , HO, Michelangelo R. , OWEN, Sarah
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0215 , G06Q30/0207 , G06Q30/0222 , G06Q30/0236 , G06Q30/0238 , H04W4/021
摘要： Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon.
摘要翻译：描述了发行和结算电子券的方法和系统。金融服务主机可以接收授权和结算信息，其中授权和结算信息包括消费者的帐号。帐号可以与登记在电子优惠券计划中的消费者帐户相关联。方法和系统还可以包括向消费者发送指示电子优惠券已被兑换的通知。与电子优惠券相关联的货币价值可以从与商家相关联的帐户中扣除，并且消费者的帐户可以记入与电子优惠券相关联的货币价值。

6. 发明申请

WO2009136231A2 KARTENTERMINAL ZUR DURCHFϋHRUNG ELEKTRONISCHER TRANSAKTIONEN, INSBESONDERE BEZAHJTRANSAKTIONEN 审中-公开
标题翻译：卡终端的表现如何？执行电子事务特别BEZAHJTRANSAKTIONEN
公开(公告)号：WO2009136231A2
公开(公告)日：2009-11-12
申请号：PCT/IB2008/005002
申请日：2008-11-07
申请人： FIRST DATA CORPORATION , BAUDER, Jens , DRAGOUDAKIS, Diamantis
发明人： BAUDER, Jens , DRAGOUDAKIS, Diamantis
IPC分类号： G06Q20/00
CPC分类号： G07G1/0018 , G07F7/088
摘要： Ein Kartenterminal zur Durchfϋhrung elektronischer Transaktionen umfasst ein Ge¬ hause (12), eine an dem Gehause (12) relativ zu diesem zwischen mindestens zwei vorbestimmten Lesesteilungen beweglich montierte Karteneinfϋhreinheit (20) mit einer in jeder in ihrer Lesesteilungen das Einfϋhren einer Transaktionsauthentisie- rungskarte gestattenden Karteneinfϋhroffnung (22) sowie mindestens zwei in dem Gehause (12) relativ zu diesem unbeweglich untergebrachte Leseeinheiten (14, 16) fur das Auslesen von auf der Transaktionsauthentisierungskarte befindlichen Infor- mationen, wobei die Leseeinheiten (14, 16) derart relativ zu der Karteneinfϋhreinheit (20) angeordnet sind, dass in jeder Lesestellung der Karteneinfϋhreinheit (20) die darin eingefϋhrte Transaktionsauthentisierungskarte von jeweils einer der Leseein¬ heiten (14, 16) auslesbar 1st.
摘要翻译：用于承载？货币电子交易的卡终端包括戈家庭（12），一个在此之间的至少两个预定的读取位置可移动地安装Karteneinf所述壳体（12）相对的？Hreinheit（20）与一个在每个在其阅读位置中插入？导致交易认证卡允许Karteneinf？hroffnung（22）和至少两个在所述壳体（12）相对于所述固定不动地容纳读取单元（14，16）mation用于读出位于交易认证卡Infor公司，其中，所述读取单元（14， 16）相对于所述Karteneinf布置？hreinheit（20），该hreinheit（在Karteneinf？20）引入其中，所述？的Leseein¬单元中的每一个（14的硬度交易认证卡，第一16的任何读取位置）可以被读出。

7. 发明申请

WO2009129323A2 POINT OF SALE COUPON SYSTEMS AND METHODS 审中-公开
标题翻译：销售点系统和方法
公开(公告)号：WO2009129323A2
公开(公告)日：2009-10-22
申请号：PCT/US2009/040692
申请日：2009-04-15
申请人： FIRST DATA CORPORATION , STERLING, Jacob, M. , HURT, Andrew, T.
发明人： STERLING, Jacob, M. , HURT, Andrew, T.
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0238
摘要： Systems and methods of offering incentives such as electronic coupons at a point of sale. Transaction information gathered at a point of sale system is received at a host computer. The transaction information relates to a transaction performed by a consumer at a merchant, and includes a consumer account identifier identifying an account from which payment is to be made for the transaction, and includes a merchant identifier identifying the merchant. Using the host computer, it is recognized that the combination of merchant and consumer account identifiers qualifies for an incentive offer. The host computer transmits a description of the incentive offer to be offered to the consumer at the point of sale, and receives an indication that the consumer has accepted the offer. In a database maintained by the host computer, an indication is recorded that the offer is pending for the combination of consumer account and merchant identifiers.
摘要翻译：在销售点提供电子优惠券等激励措施的制度和方法。在主计算机处接收在销售点系统收集的交易信息。交易信息涉及在商户处由消费者执行的交易，并且包括识别为交易进行支付的帐户的消费者帐户标识符，并且包括识别商家的商家标识符。使用主计算机，认识到商家和消费者帐户标识符的组合符合奖励报价。主计算机在销售点传送要向消费者提供的激励报价的描述，并且收到消费者已经接受该要约的指示。在由主计算机维护的数据库中，记录指示用于消费者帐户和商家标识符的组合的等待报价。

8. 发明申请

WO2009126536A2 SYSTEM AND METHOD FOR PREVENTING GIFT CARD FRAUD 审中-公开
标题翻译：用于预防礼品卡的系统和方法
公开(公告)号：WO2009126536A2
公开(公告)日：2009-10-15
申请号：PCT/US2009/039527
申请日：2009-04-03
申请人： FIRST DATA CORPORATION , ESSLINGER, Bret, M. , COMBS, Richard, D. , ARTHUR, Steven, E.
发明人： ESSLINGER, Bret, M. , COMBS, Richard, D. , ARTHUR, Steven, E.
IPC分类号： G06F21/00 , G06K19/00 , G06Q20/00
CPC分类号： G06Q40/00 , G06Q20/40
摘要： A gift card uses a fraud code stored on a magnetic stripe of the card to prevent fraudulent transactions. When the gift card is purchased at a POS terminal at a merchant location, a gift card account number stored on the magnetic stripe is read, and sent to a gift card system. The gift card system activates the card and generates the fraud code and returns it to the POS terminal, where a card encoder writes the fraud code onto the magnetic stripe. When the gift card is used to conduct a transaction, the transaction is permitted only if a valid fraud code is stored on the magnetic stripe.
摘要翻译：礼品卡使用存储在卡的磁条上的欺诈代码来防止欺诈性交易。当在商户位置的POS终端购买礼品卡时，读取存储在磁条上的礼品卡帐号，并将其发送到礼品卡系统。礼品卡系统激活卡并产生欺诈代码并将其返回到POS终端，其中卡编码器将欺诈代码写入磁条。当礼品卡用于进行交易时，仅当有效的欺诈代码存储在磁条上时才允许交易。

9. 发明申请

WO2009117519A2 REPLACEMENT CARD PACKAGING 审中-公开
标题翻译：更换卡包装
公开(公告)号：WO2009117519A2
公开(公告)日：2009-09-24
申请号：PCT/US2009/037567
申请日：2009-03-18
申请人： FIRST DATA CORPORATION , PRCHAL, Ronald, L. , ARCH, Mary , CASTO, Fred , GATES, Jon , TUNINK, Corey
发明人： PRCHAL, Ronald, L. , ARCH, Mary , CASTO, Fred , GATES, Jon , TUNINK, Corey
IPC分类号： B42D15/04 , B65D27/04 , B42D11/00 , G06K19/00
CPC分类号： B65D27/04 , B42D15/02 , B43M3/045 , B65D77/04
摘要： A package for distributing a presentation instrument includes a shipping indicator comprising a shipping destination address and an envelope that has a first substantially clear window and contains the presentation instrument and the shipping indicator. The shipping destination address is visible through the first substantially clear window. The package also includes a shipping container that has a second substantially clear window and contains the envelope. The shipping destination address is visible through the second substantially clear window. A method for assembling a package for a presentation instrument includes providing the presentation instrument, a shipping indicator, an envelope, and a shipping container. The presentation instrument and the shipping indicator are inserted into the envelope and the envelope is inserted into the shipping container. The shipping destination address is visible through the first and second substantially clear windows.
摘要翻译：用于分发演示文稿的包装包括运送指示器，其包括运送目的地地址和具有第一基本上清晰的窗口并且包含呈现工具和运送指示符的信封。运送目的地地址可通过第一个基本上清晰的窗口看到。该包装还包括具有第二基本上清晰的窗口并且包含信封的运输容器。运送目的地地址可通过第二个基本上清晰的窗口看到。用于组装演示乐器的包装的方法包括提供演示乐器，运送指示器，信封和运送容器。展示仪器和运输指示器插入信封中，并将信封插入运输集装箱。通过第一和第二基本上清晰的窗口可以看到运送目的地地址。

10. 发明申请

WO2009114280A2 INTERCHANGE FEE NOTIFICATION 审中-公开
标题翻译：国际货运通知
公开(公告)号：WO2009114280A2
公开(公告)日：2009-09-17
申请号：PCT/US2009/035324
申请日：2009-02-26
申请人： FIRST DATA CORPORATION , SKOWRONEK, Dan , BRYLA, Nicholas , OLSON, Mira , LOPEZ, Christine
发明人： SKOWRONEK, Dan , BRYLA, Nicholas , OLSON, Mira , LOPEZ, Christine
IPC分类号： G06Q30/00 , G06Q20/00 , G06Q10/00
CPC分类号： G06Q20/24 , G06Q20/10 , G06Q20/14 , G06Q20/145 , G06Q20/202 , G06Q20/405 , G06Q30/04 , G06Q40/00 , G07F17/0014
摘要： The embodiments described provide for systems and methods that alert a merchant of increased interchange fees. An increased interchange fee occurs when an electronic transaction, such as a credit card transaction, deviates from a standard set of criteria. For example, the sales person enters the credit card number rather than swipe the magnetic stripe of the credit card. In one embodiment, transaction information is provided to a merchant. The merchant sends the transaction information to an application. If the transaction is non-standard, the application can produce a notification that is sent to the merchant. The merchant may then address the causes of the increased interchange fee.
摘要翻译：所描述的实施例提供了向商家提醒交换费用增加的系统和方法。当电子交易（例如信用卡交易）偏离标准的一套标准时，会增加交换费。例如，销售人员输入信用卡号码而不是刷卡信用卡的磁条。在一个实施例中，交易信息被提供给商家。商家将交易信息发送给应用程序。如果交易不规范，应用程序可以生成发送给商家的通知。然后商家可以解决增加交换费用的原因。

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