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1. 发明授权

US08145567B2 Transaction ID system and process 有权
标题翻译：交易ID系统和流程
公开(公告)号：US08145567B2
公开(公告)日：2012-03-27
申请号：US11172748
申请日：2005-06-30
申请人： Michelle Banaugh , Timothy R. Knowlton , George L. Wood
发明人： Michelle Banaugh , Timothy R. Knowlton , George L. Wood
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/102 , G06Q40/02
摘要： A system and process for creating, maintaining, and using transaction identifiers, i.e. a transaction DNA, is provided. The DNA, along with other transactional information, is sent through a set of intermediary entities as found in a standard transaction processing system. The DNA is based on information that may include source ID, merchant ID, and order ID. The order ID is a unique number that can be generated by the merchant. The DNA is maintained throughout the lifecycle of the transaction, including authorization requests, settlement requests, and exception item processing. The DNA allows the bank to provide precise transactional matching to the original transaction for the merchant, making reconciliation always possible, fast, and automatic, and ensuring information is presented in a manner that the merchant chooses.
摘要翻译：提供了用于创建，维护和使用交易标识符（即交易DNA）的系统和过程。 DNA与其他交易信息一起通过标准交易处理系统中发现的一组中间实体发送。 DNA基于可能包括源ID，商家ID和订单ID的信息。订单ID是商家可以生成的唯一编号。在整个交易生命周期内维护DNA，包括授权请求，结算请求和异常项处理。 DNA允许银行为商家提供与原始交易的精确交易匹配，使得和解总是可能，快速和自动地进行，并且确保以商家选择的方式呈现信息。

2. 发明授权

US08407145B1 Transaction ID system and process 有权
标题翻译：交易ID系统和流程
公开(公告)号：US08407145B1
公开(公告)日：2013-03-26
申请号：US13431572
申请日：2012-03-27
申请人： Michelle Banaugh , Timothy R. Knowlton , George L. Wood
发明人： Michelle Banaugh , Timothy R. Knowlton , George L. Wood
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/102 , G06Q40/02
摘要： A system and process for creating, maintaining, and using transaction identifiers, i.e. a transaction DNA, is provided. The DNA, along with other transactional information, is sent through a set of intermediary entities as found in a standard transaction processing system. The DNA is based on information that may include source ID, merchant ID, and order ID. The order ID is a unique number that can be generated by the merchant. The DNA is maintained throughout the lifecycle of the transaction, including authorization requests, settlement requests, and exception item processing. The DNA allows the bank to provide precise transactional matching to the original transaction for the merchant, making reconciliation always possible, fast, and automatic, and ensuring information is presented in a manner that the merchant chooses.
摘要翻译：提供了用于创建，维护和使用交易标识符（即交易DNA）的系统和过程。 DNA与其他交易信息一起通过标准交易处理系统中发现的一组中间实体发送。 DNA基于可能包括源ID，商家ID和订单ID的信息。订单ID是商家可以生成的唯一编号。在整个交易生命周期内维护DNA，包括授权请求，结算请求和异常项处理。 DNA允许银行为商家提供与原始交易的精确交易匹配，使得和解总是可能，快速和自动地进行，并且确保以商家选择的方式呈现信息。

3. 发明授权

US08204826B2 Method and apparatus for integrated payments processing and decisioning for internet transactions 有权
标题翻译：用于互联网交易的综合支付处理和决策的方法和装置
公开(公告)号：US08204826B2
公开(公告)日：2012-06-19
申请号：US11964651
申请日：2007-12-26
申请人： Michelle Banaugh , Peggy J. Fry , David Potter , George Luis Wood
发明人： Michelle Banaugh , Peggy J. Fry , David Potter , George Luis Wood
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/403 , G06Q40/00
摘要： A method and apparatus provides a decisioning solution for merchants accepting Internet transactions, integrated with means for processing payments electronically. The invention claimed herein provides features, such as, but not limited to, electronic transfer of funds, authentication of parties, seemless integration with merchant's Web page, and reporting of suspicious activity.
摘要翻译：一种方法和装置为接受互联网交易的商家提供决策解决方案，与电子处理付款的手段相结合。本文所要求的发明提供了特征，例如但不限于资金的电子转帐，各方的认证，与商家的网页的无缝集成以及可疑活动的报告。

4. 发明授权

US07333953B1 Method and apparatus for integrated payments processing and decisioning for internet transactions 有权
标题翻译：用于互联网交易的综合支付处理和决策的方法和装置
公开(公告)号：US07333953B1
公开(公告)日：2008-02-19
申请号：US09703357
申请日：2000-10-31
申请人： Michelle Banaugh , Peggy J. Fry , David Potter , George Luis Wood
发明人： Michelle Banaugh , Peggy J. Fry , David Potter , George Luis Wood
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/403 , G06Q40/00
摘要： A method and apparatus provides a decisioning solution for merchants accepting Internet transactions, integrated with means for processing payments electronically. The invention claimed herein provides features, such as, but not limited to, electronic transfer of funds, authentication of parties, seemless integration with merchant's Web page, and reporting of suspicious activity.
摘要翻译：一种方法和装置为接受互联网交易的商家提供决策解决方案，与电子处理付款的手段相结合。本文所要求的发明提供了特征，例如但不限于资金的电子转帐，各方的认证，与商家的网页的无缝集成以及可疑活动的报告。

5. 发明申请

US20060010070A1 Transaction ID system and process 有权
公开(公告)号：US20060010070A1
公开(公告)日：2006-01-12
申请号：US11172748
申请日：2005-06-30
申请人： Michelle Banaugh , Timothy Knowlton , George Wood
发明人： Michelle Banaugh , Timothy Knowlton , George Wood
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/102 , G06Q40/02
摘要： A system and process for creating, maintaining, and using transaction identifiers, i.e. a transaction DNA, is provided. The DNA, along with other transactional information, is sent through a set of intermediary entities as found in a standard transaction processing system. The DNA is based on information that may include source ID, merchant ID, and order ID. The order ID is a unique number that can be generated by the merchant. The DNA is maintained throughout the lifecycle of the transaction, including authorization requests, settlement requests, and exception item processing. The DNA allows the bank to provide precise transactional matching to the original transaction for the merchant, making reconciliation always possible, fast, and automatic, and ensuring information is presented in a manner that the merchant chooses.

6. 发明申请

US20050203843A1 Internet debit system 审中-公开
标题翻译：互联网借记系统
公开(公告)号：US20050203843A1
公开(公告)日：2005-09-15
申请号：US10800202
申请日：2004-03-12
申请人： George Wood , Michelle Banaugh
发明人： George Wood , Michelle Banaugh
IPC分类号： G06F17/60
CPC分类号： G06Q20/12 , G06Q20/102 , G06Q20/382 , G06Q20/4012 , G07F7/1033
摘要： A PIN based Internet debit system and method is provided. The system and method allow for the transmission of an eCommerce Internet transaction with a debit card or ATM card and the cardholders existing PIN. In addition, the system and method allow for secure and encrypted transmission of such PIN and transaction data via the Internet to the payment network and the issuing financial institution. In one embodiment of the invention, a pop-up is used to get control of a user's browser to present a PIN pad such that the user may enter PIN information associated with the user's debit/ATM cards. In this way, the invention provides debit card or ATM type functionality to web pages.
摘要翻译：提供基于PIN的互联网借记系统和方法。该系统和方法允许使用借记卡或ATM卡以及持卡人现有的PIN传输电子商务互联网交易。此外，该系统和方法允许通过因特网将安全和加密的这种PIN和交易数据传输到支付网络和发行金融机构。在本发明的一个实施例中，使用弹出窗口来获得对用户浏览器的控制以呈现PIN键盘，使得用户可以输入与用户的借记卡/ ATM卡相关联的PIN信息。以这种方式，本发明向网页提供借记卡或ATM类型的功能。

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