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1. 发明授权

US08636203B1 Partial authorization of a financial transaction 有权
标题翻译：部分授权金融交易
公开(公告)号：US08636203B1
公开(公告)日：2014-01-28
申请号：US11566596
申请日：2006-12-04
申请人： Barbara Patterson , Steve Diamond , Todd Brockman , Richard Pileggi , Amy Dalziel
发明人： Barbara Patterson , Steve Diamond , Todd Brockman , Richard Pileggi , Amy Dalziel
IPC分类号： G06K5/00 , G06Q40/00 , G07F19/00 , G07D11/00
CPC分类号： G06Q20/405 , G06Q20/12 , G06Q20/401
摘要： Embodiments of methods and systems in accordance with the present invention allow partial authorization of a financial transaction. In one embodiment, where a balance of a prepaid card is insufficient to cover the entire amount of a transaction, the issuer of the prepaid card transmits over a payment processing system, approval for only the amount remaining on the card. The transaction can then be completed by the purchaser providing an additional sum from another source, such as a credit card. Such automatic partial authorization in accordance with an embodiment of the present invention avoids the delay and cost associated with having to re-execute the transaction for a less than the entire amount.
摘要翻译：根据本发明的方法和系统的实施例允许对金融交易的部分授权。在一个实施例中，如果预付卡的余额不足以覆盖整个交易量，则预付费卡的发行者通过支付处理系统发送仅批准卡上剩余的金额。该交易然后可以由买方完成，从另一来源（例如信用卡）提供额外的金额。根据本发明的实施例的这种自动部分授权避免了与少于整个量重新执行交易相关联的延迟和成本。

2. 发明申请

US20130253956A1 CHARGEBACK INSURANCE 审中-公开
标题翻译：费用保险
公开(公告)号：US20130253956A1
公开(公告)日：2013-09-26
申请号：US13623821
申请日：2012-09-20
申请人： Robert Lyne Towne , Nancy Hilgers , Barbara Patterson
发明人： Robert Lyne Towne , Nancy Hilgers , Barbara Patterson
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08
摘要： Embodiments of the invention are directed to a chargeback insurance program offered through a payment processing network. The payment processing network is capable of processing chargeback requests on behalf of an enrolled merchant or enrolled issuer without requiring additional chargeback-related processes to be conducted by the merchant or issue. Chargebacks are processed by the payment processing network based on enrollment settings in the chargeback insurance program.
摘要翻译：本发明的实施例涉及通过支付处理网络提供的退款保险计划。支付处理网络能够代表注册商家或注册发行商处理拒付请求，而不需要由商家或问题进行额外的退款相关流程。退款由付款处理网络根据退款保险计划中的注册设置进行处理。

3. 发明授权

US08290865B2 Push payment system and method including billing file exchange 有权
标题翻译：推送支付系统和方法，包括帐单文件交换
公开(公告)号：US08290865B2
公开(公告)日：2012-10-16
申请号：US12577609
申请日：2009-10-12
申请人： Kimberly Lawrence , Barbara Patterson
发明人： Kimberly Lawrence , Barbara Patterson
IPC分类号： G06Q40/00
CPC分类号： G06Q20/325 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/14 , G06Q20/32 , G06Q20/3223 , G06Q20/341 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for processing bill payments. A consumer may send a bill payment request online to a payment processing network, such as through an online bill payment interface. The payment processing network can coordinate with a non-bank acquirer to settle the bill payment with the biller. The liability for the transaction may fall on the issuer, who may be responsible for all parties fulfilling the transaction. The non-bank acquirer may coordinate among the various parties, but may not have liability for fulfillment of the transaction. The non-bank acquirer can deposit funds for the bill payment in a biller bank, and accounts receivable data can be sent to the biller for reconciliation of the bill.
摘要翻译：处理账单支付的系统和方法。消费者可以通过在线账单支付界面将支付请求在线发送到支付处理网络。支付处理网络可以与非银行收单方进行协调，以与账单结算账单支付。交易的责任可能落在发行人身上，发行人可能对履行交易的所有各方负责。非银行收购方可以协调各方之间的交易，但对履行交易可能无责任。非银行收单方可以在账单银行存入账单，可以将账单中的应收账款数据发送给账单。

4. 发明授权

US08095464B2 Recurring transaction processing 有权
标题翻译：经常性交易处理
公开(公告)号：US08095464B2
公开(公告)日：2012-01-10
申请号：US12778841
申请日：2010-05-12
申请人： Barbara Patterson , Donald L. Rowberry
发明人： Barbara Patterson , Donald L. Rowberry
IPC分类号： G06Q40/00
CPC分类号： G06Q20/3223 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/26 , G06Q20/40 , G06Q20/405 , G06Q30/02 , G06Q40/00 , G06Q40/12 , H04L63/102
摘要： Techniques for processing of recurring payments are provided that allow a consumer to decide whether to update consumer account information at a merchant when a consumer is issued new account information for a payment card or the like. For example, a consumer may register with a payment processing network associated with the consumer's payment card. During registration, the consumer may indicate the payment card number and expiration date, the name of merchants that the consumer pays on a recurring basis using the payment card and the corresponding merchant website addresses, in what form the consumer would like to receive alerts (e.g. text message, email), and when to receive alerts (e.g. a particular number of days prior to the expiration date). The payment processing network sends the consumer an alert message based on the preferences indicated during registration, including the names and website links for each merchant indicated during registration. The consumer can use the alert message to access the merchant websites and update the account information for a new payment card.
摘要翻译：提供了用于处理经常性付款的技术，其允许消费者在消费者发行支付卡等的新帐户信息时决定是否在商家更新消费者帐户信息。例如，消费者可以向与消费者的支付卡相关联的支付处理网络注册。在注册期间，消费者可以以消费者想要接收警报的形式（例如，使用支付卡和相应的商家网站地址）来指示支付卡号码和到期日期，消费者以循环的方式支付的商家名称（例如，短信，电子邮件）以及什么时候收到警报（例如到期日之前的特定天数）。支付处理网络基于在注册期间指示的偏好来向消费者发送警报消息，包括在注册期间指示的每个商家的名称和网站链接。消费者可以使用警报消息访问商家网站并更新新的支付卡的帐户信息。

5. 发明申请

US20110258116A1 System and Method for Issuer Originated Payments for On-Line Banking Bill Payments 有权
标题翻译：发行人起始付款的在线银行账单支付系统和方法
公开(公告)号：US20110258116A1
公开(公告)日：2011-10-20
申请号：US13093660
申请日：2011-04-25
申请人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
发明人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102 , G06Q20/108 , G06Q20/40 , G06Q40/00
摘要： Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.
摘要翻译：提供了处理在线银行账单支付请求的技术。从在线银行账单支付网站的运营商接收到账单支付请求。经营者可能是银行。该请求是使用便携式消费者设备支付帐单。然后为发行者生成交易请求，并将其发送给发行方进行授权。然后，发行方发送一个响应，指示交易请求是否被批准或拒绝。如果交易被批准，则会生成一个汇款人的汇款信息。然后将汇款信息转发给在线银行账单支付网站的运营商，以转发给便携式消费者设备的用户。此外，汇款信息被发送给收单方或现金管理银行，该银行可将信息转发给与账单支付请求相关联的账单。

6. 发明授权

US07958030B2 System and method for issuer originated payments for on-line banking bill payments 有权
标题翻译：发行人的系统和方法发行在线银行账单支付
公开(公告)号：US07958030B2
公开(公告)日：2011-06-07
申请号：US11217691
申请日：2005-08-31
申请人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
发明人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102 , G06Q20/108 , G06Q20/40 , G06Q40/00
摘要： Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.
摘要翻译：提供了处理在线银行账单支付请求的技术。从在线银行账单支付网站的运营商接收到账单支付请求。经营者可能是银行。该请求是使用便携式消费者设备支付帐单。然后为发行者生成交易请求，并将其发送给发行方进行授权。然后，发行方发送一个响应，指示交易请求是否被批准或拒绝。如果交易被批准，则会生成一个汇款人的汇款信息。然后将汇款信息转发给在线银行账单支付网站的运营商，以转发给便携式消费者设备的用户。此外，汇款信息被发送给收单方或现金管理银行，该银行可将信息转发给与账单支付请求相关联的账单。

7. 发明申请

US20100299253A1 Recurring Transaction Processing 有权
标题翻译：重复事务处理
公开(公告)号：US20100299253A1
公开(公告)日：2010-11-25
申请号：US12608215
申请日：2009-10-29
申请人： Barbara Patterson
发明人： Barbara Patterson
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q30/04 , G06Q10/06 , G06Q20/10 , G06Q20/102 , G06Q20/227 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.
摘要翻译：提供了用于处理经常性付款的技术，当消费者被发布用于支付卡等的新帐号时，不要求商家更新消费者帐户信息。例如，当消费者由发行人发行新的帐号时，新的帐号可以被提供给支付处理网络。支付处理网络中的服务器计算机然后识别与用户的旧帐号相关联的任何定期付款，并向消费者提供消费者已经建立了与旧帐号相关联的经常性支付的商家列表。然后，消费者有机会选择那些消费者希望使用新帐号继续经常性付款的商家。然后，支付处理网络在由消费者指定的商家的旧帐号和新帐号之间建立映射，并且继续使用旧的帐户信息来处理从指定的商家收到的定期付款授权请求。因此，商家不需要对商家维护的消费者帐户信息进行更新，并且向消费者提供容易地选择哪些商家可以使用旧帐号继续处理定期付款的能力。

8. 发明申请

US20090070171A1 HOST CAPTURE 有权
标题翻译：主机捕获
公开(公告)号：US20090070171A1
公开(公告)日：2009-03-12
申请号：US12205112
申请日：2008-09-05
申请人： Barbara Patterson
发明人： Barbara Patterson
IPC分类号： G06Q50/00 , G06Q40/00
CPC分类号： G06Q20/401 , G06Q20/108 , G06Q20/385 , G06Q20/40 , G06Q30/06 , G06Q40/00
摘要： A system and method for processing transactions. A unique transaction identifier is generated for each transaction. Processing of the transaction utilizes the unique transaction identifier.
摘要翻译：一种用于处理交易的系统和方法。为每个事务生成唯一的事务标识符。交易的处理利用唯一的交易标识符。

9. 发明申请

US20080217397A1 REAL-TIME AWARDS DETERMINATIONS 有权
标题翻译：实时决策
公开(公告)号：US20080217397A1
公开(公告)日：2008-09-11
申请号：US11683866
申请日：2007-03-08
申请人： Lori Degliantoni , Barbara Patterson , David Chauncey Shepard
发明人： Lori Degliantoni , Barbara Patterson , David Chauncey Shepard
IPC分类号： G06K5/00
CPC分类号： G06Q20/24 , G06Q30/02
摘要： The present invention provides systems and methods for facilitating transactions with real-time awards determinations for a cardholder. Each transaction includes transaction information, where the transaction information includes: cardholder information, merchant information, and a transaction amount. An engine determines if an award should be granted based on award criteria, such that the engine compares the transaction information with each award criterion in order to determine if the award should be granted in real-time with the transaction by the cardholder.
摘要翻译：本发明提供了用于促进对持卡人的实时奖励确定的交易的系统和方法。每个交易包括交易信息，其中交易信息包括：持卡人信息，商家信息和交易金额。引擎确定是否应基于奖励标准授予奖励，使得引擎将交易信息与每个奖励标准进行比较，以确定是否应该由持卡人与交易实时授予奖励。

10. 发明申请

US20070055630A1 System and method for secured account numbers in proximity devices 有权
标题翻译：邻近设备中安全帐号的系统和方法
公开(公告)号：US20070055630A1
公开(公告)日：2007-03-08
申请号：US11398887
申请日：2006-04-05
申请人： Patrick Gauthier , Brian Maw , Patrick Faith , Barbara Patterson
发明人： Patrick Gauthier , Brian Maw , Patrick Faith , Barbara Patterson
IPC分类号： G06Q40/00
CPC分类号： G06Q20/385 , G06Q20/204 , G06Q20/24 , G06Q20/327 , G06Q20/352 , G06Q20/40 , G06Q40/02
摘要： A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.
摘要翻译：公开了一种使用安全帐号处理与便携式消费者邻近装置相关联的无线金融交易的接近类型的方法和系统。在一个实施例中，该方法包括从诸如非接触智能卡的便携式邻近消费者设备接收无线金融交易请求的附近类型以及安全帐号，将担保帐号转换成用户的实际帐号，并且发送金融交易请求以及用户的实际账号，发给用户的实际账号进行授权和处理。

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