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1. 发明授权

US08214293B2 Methods and system for cardholder initiated transactions 有权
标题翻译：持卡人发起交易的方法和系统
公开(公告)号：US08214293B2
公开(公告)日：2012-07-03
申请号：US13312472
申请日：2011-12-06
申请人： Jonathan Robert Powell
发明人： Jonathan Robert Powell
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/325 , G06Q20/32 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.
摘要翻译：公开了使用持卡人控制的输入设备与持卡人网络和数据库通信的持卡人发起的金融交易。持卡人使用由发行银行向持卡人发行的支付卡。一种示例性方法包括以下步骤：在数据库中存储商家数据，其中包括识别登记为使用卡网络的商家的数据，以及从输入装置接收与金融交易相关的交易数据。交易数据包括授权请求和商家标识数据，该数据标识交易中涉及的商家。所述方法还包括：通过将交易数据与存储在数据库中的商户数据进行比较来确定所识别的商家被注册以利用卡网络，将授权请求转发给发行商银行，接收来自发行商银行的请求的响应，并自动将响应转发到输入设备。

2. 发明授权

US08086534B2 Methods and systems for cardholder initiated transactions 有权
公开(公告)号：US08086534B2
公开(公告)日：2011-12-27
申请号：US13094143
申请日：2011-04-26
申请人： Jonathan Robert Powell
发明人： Jonathan Robert Powell
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/325 , G06Q20/32 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.

3. 发明申请

US20120253980A1 METHODS AND SYSTEMS FOR CARDHOLDER INITIATED TRANSACTIONS 有权
标题翻译：卡车启动交易的方法和系统
公开(公告)号：US20120253980A1
公开(公告)日：2012-10-04
申请号：US13526260
申请日：2012-06-18
申请人： Jonathan Robert Powell
发明人： Jonathan Robert Powell
IPC分类号： G06Q30/06
CPC分类号： G06Q20/325 , G06Q20/32 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.
摘要翻译：公开了使用持卡人控制的输入设备与持卡人网络和数据库通信的持卡人发起的金融交易。持卡人使用由发行银行向持卡人发行的支付卡。一种示例性方法包括以下步骤：在数据库中存储商家数据，其中包括识别登记为使用卡网络的商家的数据，以及从输入装置接收与金融交易有关的交易数据。交易数据包括授权请求和商家标识数据，该数据标识交易中涉及的商家。所述方法还包括：通过将交易数据与存储在数据库中的商户数据进行比较来确定所识别的商家被注册以利用卡网络，将授权请求转发给发行商银行，接收来自发行商银行的请求的响应，并自动将响应转发到输入设备。

4. 发明申请

US20090171845A1 METHODS AND SYSTEMS FOR CARDHOLDER INITIATED TRANSACTIONS 有权
标题翻译：卡车启动交易的方法和系统
公开(公告)号：US20090171845A1
公开(公告)日：2009-07-02
申请号：US12257766
申请日：2008-10-24
申请人： Jonathan Robert Powell
发明人： Jonathan Robert Powell
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/325 , G06Q20/32 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.
摘要翻译：公开了使用持卡人控制的输入设备与持卡人网络和数据库通信的持卡人发起的金融交易。持卡人使用由发行银行向持卡人发行的支付卡。一种示例性方法包括以下步骤：在数据库中存储商家数据，其中包括识别登记为使用卡网络的商家的数据，以及从输入装置接收与金融交易相关的交易数据。交易数据包括授权请求和商家标识数据，该数据标识交易中涉及的商家。所述方法还包括：通过将交易数据与存储在数据库中的商户数据进行比较来确定所识别的商家被注册以利用卡网络，将授权请求转发给发行商银行，接收来自发行商银行的请求的响应，并自动将响应转发到输入设备。

5. 发明申请

US20090171777A1 METHODS AND SYSTEMS FOR APPLYING PROMOTION CODES TO PAYMENT TRANSACTIONS 审中-公开
标题翻译：将促销代码用于支付交易的方法和系统
公开(公告)号：US20090171777A1
公开(公告)日：2009-07-02
申请号：US11966724
申请日：2007-12-28
申请人： Jonathan Robert Powell
发明人： Jonathan Robert Powell
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/02 , G06Q20/387 , G06Q30/02 , G06Q30/0207
摘要： A method for applying promotion codes to a payment transaction is provided. The method uses at least one input device in communication with a database. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes storing promotion data within the database including at least one merchant participating in the payment card network, each promotional program offered by the at least one merchant to the cardholder, and promotion codes associated with each promotional program offered to the cardholder. The method further includes accessing the promotion data using the at least one input device, receiving a selected promotional program from the cardholder using the at least one input device, and automatically applying the promotion codes associated with the selected promotional program to the payment transaction.
摘要翻译：提供了一种将促销代码应用于支付交易的方法。该方法使用至少一个与数据库通信的输入设备。支付交易包括持卡人通过支付卡网络使用支付卡进行的购买。该方法包括在数据库中存储促销数据，包括参与支付卡网络的至少一个商家，由至少一个商家向持卡人提供的每个促销节目，以及与提供给持卡人的每个促销节目相关联的促销代码。该方法还包括使用至少一个输入设备访问促销数据，使用至少一个输入设备从持卡人接收所选择的促销节目，并且将与所选促销节目相关联的促销代码自动应用于支付交易。

6. 发明申请

US20110202463A1 METHODS AND SYSTEMS FOR CARDHOLDER INITIATED TRANSACTIONS 有权
标题翻译：卡车启动交易的方法和系统
公开(公告)号：US20110202463A1
公开(公告)日：2011-08-18
申请号：US13094143
申请日：2011-04-26
申请人： Jonathan Robert Powell
发明人： Jonathan Robert Powell
IPC分类号： G06Q40/00
CPC分类号： G06Q20/325 , G06Q20/32 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.
摘要翻译：公开了使用持卡人控制的输入设备与持卡人网络和数据库通信的持卡人发起的金融交易。持卡人使用由发行银行向持卡人发行的支付卡。一种示例性方法包括以下步骤：在数据库中存储商家数据，其中包括识别登记为使用卡网络的商家的数据，以及从输入装置接收与金融交易相关的交易数据。交易数据包括授权请求和商家标识数据，该数据标识交易中涉及的商家。所述方法还包括：通过将交易数据与存储在数据库中的商户数据进行比较来确定所识别的商家被注册以利用卡网络，将授权请求转发给发行商银行，接收来自发行商银行的请求的响应，并自动将响应转发到输入设备。

7. 发明授权

US10262303B2 Methods and systems for applying a rewards program promotion to payment transactions 有权
公开(公告)号：US10262303B2
公开(公告)日：2019-04-16
申请号：US11966803
申请日：2007-12-28
申请人： Jonathan Robert Powell
发明人： Jonathan Robert Powell
IPC分类号： G06Q30/02 , G06Q20/02 , G06Q20/12 , G06Q20/38 , G06Q20/40 , G06Q40/00
摘要： A method for applying promotion codes to a payment transaction using an input device in communication with a database is provided. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes storing promotion data within the database including at least one promotional program having a qualifying number of rewards points for a rewards program, and storing rewards data within the database including a current number of rewards points accumulated by the cardholder. The method further includes providing access to the promotion data through the at least one input device including each promotional program having a qualifying number of rewards points that is less than the current number of rewards points for the cardholder, receiving a selected promotional program from the cardholder, and automatically applying the promotion codes associated with the selected promotional program to the payment transaction.

8. 发明授权

US08355988B2 Methods and systems for cardholder initiated transactions 有权
标题翻译：持卡人发起交易的方法和系统
公开(公告)号：US08355988B2
公开(公告)日：2013-01-15
申请号：US13526260
申请日：2012-06-18
申请人： Jonathan Robert Powell
发明人： Jonathan Robert Powell
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/325 , G06Q20/32 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method includes the steps of storing merchant data within the database including data identifying the merchants registered to utilize the card network and receiving from the input device transaction data relating to the financial transaction. The transaction data includes an authorization request and merchant identifying data that identifies the merchant involved in the transaction. The method further includes determining that the identified merchant is registered to utilize the card network by comparing the transaction data with the merchant data stored in the database, forwarding the authorization request to the issuer bank, receiving a response to the request from the issuer bank, and automatically forwarding the response to the input device.
摘要翻译：公开了使用持卡人控制的输入设备与持卡人网络和数据库通信的持卡人发起的金融交易。持卡人使用由发行银行向持卡人发行的支付卡。一种示例性方法包括以下步骤：在数据库中存储商家数据，其中包括识别登记为使用卡网络的商家的数据，以及从输入装置接收与金融交易相关的交易数据。交易数据包括授权请求和商家标识数据，该数据标识交易中涉及的商家。所述方法还包括：通过将交易数据与存储在数据库中的商户数据进行比较来确定所识别的商家被注册以利用卡网络，将授权请求转发给发行商银行，接收来自发行商银行的请求的响应，并自动将响应转发到输入设备。

9. 发明授权

US08285592B2 Methods and systems for providing enhanced data for co-brand payment card transactions 有权
标题翻译：为共同品牌支付卡交易提供增强数据的方法和系统
公开(公告)号：US08285592B2
公开(公告)日：2012-10-09
申请号：US12638775
申请日：2009-12-15
申请人： Brad Michael Tomchek , Robert Donald Reany , Michael William Koch , Edward Cletus Seaver , Jonathan Robert Powell
发明人： Brad Michael Tomchek , Robert Donald Reany , Michael William Koch , Edward Cletus Seaver , Jonathan Robert Powell
IPC分类号： G06G1/12
CPC分类号： G06Q20/409 , G06Q20/02 , G06Q20/12 , G06Q20/20 , G06Q20/202 , G06Q20/40 , G06Q30/02
摘要： A method and system for processing a financial transaction using an enhanced payment card through a multi-party payment card interchange network are provided. An authorization request message generated at a point of sale (POS) device associated with a merchant is received at a computer associated with the interchange network. The authorization request message includes a card identifier and relates to a transaction initiated by the cardholder with the merchant using the enhanced payment card. The transaction is electronically identified as involving the enhanced payment card by matching the received card identifier to a list of card identifiers stored within a database. A product code identifying the transaction as an enhanced payment card transaction is electronically added to the authorization request message. The merchant is instructed to transmit to the interchange computer an addendum file including enhanced transaction data for the enhanced payment card transaction.
摘要翻译：提供了一种通过多方支付卡交换网络处理使用增强型支付卡的金融交易的方法和系统。在与交换网络相关联的计算机处接收在与商家相关联的销售点（POS）设备处生成的授权请求消息。授权请求消息包括卡标识符，并涉及由持卡人使用增强型支付卡与商家发起的交易。通过将接收到的卡标识符与存储在数据库中的卡标识符的列表进行匹配来将该交易电子地识别为涉及增强的支付卡。识别交易作为增强的支付卡交易的产品代码被电子地添加到授权请求消息中。指示商家向交换计算机发送包括用于增强的支付卡交易的增强交易数据的附录文件。

10. 发明申请

US20090171778A1 METHODS AND SYSTEMS FOR APPLYING A REWARDS PROGRAM PROMOTION TO PAYMENT TRANSACTIONS 审中-公开
标题翻译：应用奖励计划促进付款交易的方法和系统
公开(公告)号：US20090171778A1
公开(公告)日：2009-07-02
申请号：US11966803
申请日：2007-12-28
申请人： Jonathan Robert Powell
发明人： Jonathan Robert Powell
IPC分类号： G06Q30/00 , G06Q10/00
CPC分类号： G06Q20/02 , G06Q20/12 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0207 , G06Q30/0236 , G06Q40/12
摘要： A method for applying promotion codes to a payment transaction using an input device in communication with a database is provided. The payment transaction includes a purchase made by a cardholder using a payment card over a payment card network. The method includes storing promotion data within the database including at least one promotional program having a qualifying number of rewards points for a rewards program, and storing rewards data within the database including a current number of rewards points accumulated by the cardholder. The method further includes providing access to the promotion data through the at least one input device including each promotional program having a qualifying number of rewards points that is less than the current number of rewards points for the cardholder, receiving a selected promotional program from the cardholder, and automatically applying the promotion codes associated with the selected promotional program to the payment transaction.
摘要翻译：提供了一种使用与数据库通信的输入设备将促销代码应用于支付交易的方法。支付交易包括持卡人通过支付卡网络使用支付卡进行的购买。该方法包括在数据库中存储促销数据，包括至少一个促销节目，其具有奖励计划的奖励数量的合格数量，以及存储数据库内的奖励数据，包括由持卡人累积的当前奖励积分数。该方法还包括通过至少一个输入设备来提供对促销数据的访问，该输入设备包括每个促销节目，其具有小于持卡人的当前奖赏积分数的奖励数量的奖励数量，从持卡人接收所选择的促销节目并且将与所选择的促销计划相关联的促销代码自动应用于支付交易。

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