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1. 发明申请

US20130124348A1 PLUG-IN BASED CHIP CARD PAYMENTS 有权
标题翻译：基于插入式卡片支付
公开(公告)号：US20130124348A1
公开(公告)日：2013-05-16
申请号：US13297283
申请日：2011-11-16
申请人： Himanshu Lal , Ruben Delgado
发明人： Himanshu Lal , Ruben Delgado
IPC分类号： G06Q20/20
CPC分类号： G06Q20/20 , G06Q20/202 , G06Q20/204 , G07F7/0873 , G07F7/0886
摘要： A chip card payment processor interface component exposes a plurality of different interfaces for a plurality of different chip card payment processors. A chip card peripheral device interface component exposes a plurality of different chip card peripheral device interfaces for a plurality of different chip card peripheral devices. A payment services component can thus interact with the plurality of different chip card peripheral devices in conducting a transaction, and can also interact with a plurality of different chip card payment processors to authenticate and validate the transaction.
摘要翻译：芯片卡支付处理器接口部件为多个不同的芯片卡支付处理器公开多个不同的接口。芯片卡外围设备接口组件为多个不同的芯片卡外围设备暴露出多个不同的芯片卡外围设备接口。因此，支付服务组件因此可以与多个不同的芯片卡外围设备进行交易，并且还可以与多个不同的芯片卡支付处理器交互以认证和验证交易。

2. 发明申请

US20090319382A1 EXTENSIBLE FRAMEWORK FOR SUPPORTING DIFFERENT MODES OF PAYMENTS 有权
标题翻译：支持不同支付方式的可扩展框架
公开(公告)号：US20090319382A1
公开(公告)日：2009-12-24
申请号：US12143716
申请日：2008-06-20
申请人： Mehul Y. Shah , Himanshu Lal
发明人： Mehul Y. Shah , Himanshu Lal
IPC分类号： G06Q20/00
CPC分类号： G06Q20/405 , G06Q20/20 , G06Q20/204
摘要： A method and system for providing an extensible framework for a POS application is provided. A POS application may be extended using a payment format add-in, a workflow add-in, a financial services provider add-in, or a combination of add-ins. A payment format add-in provides support for a payment format not included in the payment formats built into the POS application. A workflow add-in provides a configurable workflow that can be used to extend a built-in payment format or a payment format add-in. A financial services provider add-in provides support for interacting with a financial services provider for which the POS application does not provide built-in support. Each add-in can implement, for example, logic for processing a payment transaction, a portion of a payment transaction, and configuring steps for processing a payment transaction.
摘要翻译：提供了一种用于为POS应用提供可扩展框架的方法和系统。可以使用支付格式加载项，工作流加载项，金融服务提供商加载项或加载项的组合来扩展POS应用程序。付款格式加载项支持不包含在POS应用程序中内置的付款格式的付款格式。工作流加载项提供可配置的工作流程，可用于扩展内置的付款格式或付款格式加载项。金融服务提供商加载项支持与POS应用程序不提供内置支持的金融服务提供商进行交互。每个加载项可以实现例如用于处理支付交易的逻辑，支付交易的一部分以及用于处理支付交易的配置步骤。

3. 发明申请

US20090299863A1 PERFORMING A CHECK TRANSACTION USING ADD-IN MODULES 有权
标题翻译：使用ADD-IN模块执行检查交易
公开(公告)号：US20090299863A1
公开(公告)日：2009-12-03
申请号：US12129684
申请日：2008-05-30
申请人： Mehul Shah , Himanshu Lal , Daniel L. Reed
发明人： Mehul Shah , Himanshu Lal , Daniel L. Reed
IPC分类号： G06Q20/00
CPC分类号： G06Q20/042 , G06Q20/20
摘要： A point-of-sale (POS) module and associated methods are described for performing a transaction involving a check. The POS module interacts with one or more add-in modules. Each add-in module is associated with a particular method for processing a payment using a check. Accordingly, the POS module can accommodate multiple different workflows by plugging in appropriate add-in modules.
摘要翻译：描述了销售点（POS）模块和相关联的方法来执行涉及支票的交易。 POS模块与一个或多个附加模块进行交互。每个加载项模块与用于使用支票处理支付的特定方法相关联。因此，POS模块可以通过插入适当的附加模块来容纳多个不同的工作流程。

4. 发明授权

US08260668B2 Extensible framework for supporting different modes of payments 有权
标题翻译：支持不同支付方式的可扩展框架
公开(公告)号：US08260668B2
公开(公告)日：2012-09-04
申请号：US13037180
申请日：2011-02-28
申请人： Mehul Y. Shah , Himanshu Lal
发明人： Mehul Y. Shah , Himanshu Lal
IPC分类号： G06Q200/00 , G06Q30/00 , G06K15/00
CPC分类号： G06Q20/405 , G06Q20/20 , G06Q20/204
摘要： A method and system for providing an extensible framework for a POS application is provided. A POS application may be extended using a payment format add-in, a workflow add-in, a financial services provider add-in, or a combination of add-ins. A payment format add-in provides support for a payment format not included in the payment formats built into the POS application. A workflow add-in provides a configurable workflow that can be used to extend a built-in payment format or a payment format add-in. A financial services provider add-in provides support for interacting with a financial services provider for which the POS application does not provide built-in support. Each add-in can implement, for example, logic for processing a payment transaction, a portion of a payment transaction, and configuring steps for processing a payment transaction.
摘要翻译：提供了一种用于为POS应用提供可扩展框架的方法和系统。可以使用支付格式加载项，工作流加载项，金融服务提供商加载项或加载项的组合来扩展POS应用程序。付款格式加载项支持不包含在POS应用程序中内置的付款格式的付款格式。工作流加载项提供可配置的工作流程，可用于扩展内置的付款格式或付款格式加载项。金融服务提供商加载项支持与POS应用程序不提供内置支持的金融服务提供商进行交互。每个加载项可以实现例如用于处理支付交易的逻辑，支付交易的一部分以及用于处理支付交易的配置步骤。

5. 发明申请

US20110055033A1 PAYMENT WORKFLOW EXTENSIBILITY FOR POINT-OF-SALE APPLICATIONS 有权
标题翻译：支付点销售应用的支付工作流程可扩展性
公开(公告)号：US20110055033A1
公开(公告)日：2011-03-03
申请号：US12548435
申请日：2009-08-27
申请人： Gang Chen , Balaji Balasubramanian , Dmitry V. Belikov , Himanshu Lal
发明人： Gang Chen , Balaji Balasubramanian , Dmitry V. Belikov , Himanshu Lal
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/20 , G06Q20/206 , G07G1/14
摘要： Architecture that employs a software development kit and an add-in model to collect payment data and communicate with payment processors in a point-of-sale (POS) application to meet new requirements in new markets. Data gathered from an add-in and from the POS application can be combined and then communicated to the payment processor. The payment method can be determined and payment processing routed to different payment processors based on data and schema of data collected is also described. An add-in can also programmatically obtain information from the POS application information about a transaction and authorize a payment. A payment collecting/processing API is the interface between the POS application tender logic and payment collecting/processing logic and defines how a payment collecting/processing add-in interacts with the POS application.
摘要翻译：架构采用软件开发工具包和附加模型来收集支付数据并与销售点（POS）应用程序中的支付处理器进行通信，以满足新市场的新需求。从加载项和POS应用程序收集的数据可以组合，然后传送到支付处理器。还描述了支付方法，并且还描述了基于收集的数据和模式的支付处理路由到不同支付处理器。加载项还可以以编程方式从POS应用程序获取关于交易的信息并授权付款。付款收集/处理API是POS应用程序招标逻辑和支付收集/处理逻辑之间的接口，并定义了付款收集/处理加载项如何与POS应用程序交互。

6. 发明授权

US09064251B2 Plug-in based chip card payments 有权
标题翻译：插件式芯片卡支付
公开(公告)号：US09064251B2
公开(公告)日：2015-06-23
申请号：US13297283
申请日：2011-11-16
申请人： Himanshu Lal , Ruben Delgado
发明人： Himanshu Lal , Ruben Delgado
IPC分类号： G06Q20/00 , G06Q40/00 , G07F19/00 , G07B17/00 , G06K5/00 , G06K15/00 , G06Q20/20 , G07F7/08
CPC分类号： G06Q20/20 , G06Q20/202 , G06Q20/204 , G07F7/0873 , G07F7/0886
摘要： A chip card payment processor interface component exposes a plurality of different interfaces for a plurality of different chip card payment processors. A chip card peripheral device interface component exposes a plurality of different chip card peripheral device interfaces for a plurality of different chip card peripheral devices. A payment services component can thus interact with the plurality of different chip card peripheral devices in conducting a transaction, and can also interact with a plurality of different chip card payment processors to authenticate and validate the transaction.
摘要翻译：芯片卡支付处理器接口部件为多个不同的芯片卡支付处理器公开多个不同的接口。芯片卡外围设备接口组件为多个不同的芯片卡外围设备暴露出多个不同的芯片卡外围设备接口。因此，支付服务组件因此可以与多个不同的芯片卡外围设备进行交易，并且还可以与多个不同的芯片卡支付处理器交互以认证和验证交易。

7. 发明授权

US08655733B2 Payment workflow extensibility for point-of-sale applications 有权
标题翻译：销售点应用程序的付款流程可扩展性
公开(公告)号：US08655733B2
公开(公告)日：2014-02-18
申请号：US12548435
申请日：2009-08-27
申请人： Gang Chen , Balaji Balasubramanian , Dmitry V. Belikov , Himanshu Lal
发明人： Gang Chen , Balaji Balasubramanian , Dmitry V. Belikov , Himanshu Lal
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/20 , G06Q20/206 , G07G1/14
摘要： Architecture that employs a software development kit and an add-in model to collect payment data and communicate with payment processors in a point-of-sale (POS) application to meet new requirements in new markets. Data gathered from an add-in and from the POS application can be combined and then communicated to the payment processor. The payment method can be determined and payment processing routed to different payment processors based on data and schema of data collected is also described. An add-in can also programmatically obtain information from the POS application information about a transaction and authorize a payment. A payment collecting/processing API is the interface between the POS application tender logic and payment collecting/processing logic and defines how a payment collecting/processing add-in interacts with the POS application.
摘要翻译：架构采用软件开发工具包和附加模型来收集支付数据并与销售点（POS）应用程序中的支付处理器进行通信，以满足新市场的新需求。从加载项和POS应用程序收集的数据可以组合，然后传送到支付处理器。还描述了支付方法，并且还描述了基于收集的数据和模式的支付处理路由到不同支付处理器。加载项还可以以编程方式从POS应用程序获取关于交易的信息并授权付款。付款收集/处理API是POS应用程序招标逻辑和支付收集/处理逻辑之间的接口，并定义了付款收集/处理加载项如何与POS应用程序交互。

8. 发明申请

US20110161186A1 EXTENSIBLE FRAMEWORK FOR SUPPORTING DIFFERENT MODES OF PAYMENTS 有权
标题翻译：支持不同支付方式的可扩展框架
公开(公告)号：US20110161186A1
公开(公告)日：2011-06-30
申请号：US13037180
申请日：2011-02-28
申请人： Mehul Y. Shah , Himanshu Lal
发明人： Mehul Y. Shah , Himanshu Lal
IPC分类号： G06Q20/00
CPC分类号： G06Q20/405 , G06Q20/20 , G06Q20/204
摘要： A method and system for providing an extensible framework for a POS application is provided. A POS application may be extended using a payment format add-in, a workflow add-in, a financial services provider add-in, or a combination of add-ins. A payment format add-in provides support for a payment format not included in the payment formats built into the POS application. A workflow add-in provides a configurable workflow that can be used to extend a built-in payment format or a payment format add-in. A financial services provider add-in provides support for interacting with a financial services provider for which the POS application does not provide built-in support. Each add-in can implement, for example, logic for processing a payment transaction, a portion of a payment transaction, and configuring steps for processing a payment transaction.
摘要翻译：提供了一种用于为POS应用提供可扩展框架的方法和系统。可以使用支付格式加载项，工作流加载项，金融服务提供商加载项或加载项的组合来扩展POS应用程序。付款格式加载项支持不包含在POS应用程序中内置的付款格式的付款格式。工作流加载项提供可配置的工作流程，可用于扩展内置的付款格式或付款格式加载项。金融服务提供商加载项支持与POS应用程序不提供内置支持的金融服务提供商进行交互。每个加载项可以实现例如用于处理支付交易的逻辑，支付交易的一部分以及用于处理支付交易的配置步骤。

9. 发明授权

US07904339B2 Extensible framework for supporting different modes of payments 有权
标题翻译：支持不同支付方式的可扩展框架
公开(公告)号：US07904339B2
公开(公告)日：2011-03-08
申请号：US12143716
申请日：2008-06-20
申请人： Mehul Y. Shah , Himanshu Lal
发明人： Mehul Y. Shah , Himanshu Lal
IPC分类号： G06Q20/00 , G06K15/00 , G07G1/00
CPC分类号： G06Q20/405 , G06Q20/20 , G06Q20/204
摘要： A method and system for providing an extensible framework for a POS application is provided. A POS application may be extended using a payment format add-in, a workflow add-in, a financial services provider add-in, or a combination of add-ins. A payment format add-in provides support for a payment format not included in the payment formats built into the POS application. A workflow add-in provides a configurable workflow that can be used to extend a built-in payment format or a payment format add-in. A financial services provider add-in provides support for interacting with a financial services provider for which the POS application does not provide built-in support. Each add-in can implement, for example, logic for processing a payment transaction, a portion of a payment transaction, and configuring steps for processing a payment transaction.
摘要翻译：提供了一种用于为POS应用提供可扩展框架的方法和系统。可以使用支付格式加载项，工作流加载项，金融服务提供商加载项或加载项的组合来扩展POS应用程序。付款格式加载项支持不包含在POS应用程序中内置的付款格式的付款格式。工作流加载项提供可配置的工作流程，可用于扩展内置的付款格式或付款格式加载项。金融服务提供商加载项支持与POS应用程序不提供内置支持的金融服务提供商进行交互。每个加载项可以实现例如用于处理支付交易的逻辑，支付交易的一部分以及用于处理支付交易的配置步骤。

10. 发明授权

US08412632B2 Performing a check transaction using add-in modules 有权
标题翻译：使用加载项模块执行检查事务
公开(公告)号：US08412632B2
公开(公告)日：2013-04-02
申请号：US12129684
申请日：2008-05-30
申请人： Mehul Shah , Himanshu Lal , Daniel L. Reed
发明人： Mehul Shah , Himanshu Lal , Daniel L. Reed
IPC分类号： G06Q40/00
CPC分类号： G06Q20/042 , G06Q20/20
摘要： A point-of-sale (POS) module and associated methods are described for performing a transaction involving a check. The POS module interacts with one or more add-in modules. Each add-in module is associated with a particular method for processing a payment using a check. Accordingly, the POS module can accommodate multiple different workflows by plugging in appropriate add-in modules.
摘要翻译：描述了销售点（POS）模块和相关联的方法来执行涉及支票的交易。 POS模块与一个或多个附加模块进行交互。每个加载项模块与用于使用支票处理支付的特定方法相关联。因此，POS模块可以通过插入适当的附加模块来容纳多个不同的工作流程。

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