专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明申请

US20180232720A1 SYSTEM AND METHOD FOR PROCESSING A MULTI-ACCOUNT TRANSACTION 审中-公开
公开(公告)号：US20180232720A1
公开(公告)日：2018-08-16
申请号：US15429667
申请日：2017-02-10
申请人： MasterCard International Incorporated
发明人： Erica Joann Robeen , Rick Unnerstall , Linda M. Mautz
IPC分类号： G06Q20/22 , G06Q20/40 , G06Q20/34
CPC分类号： G06Q20/29 , G06Q20/023 , G06Q20/0855 , G06Q20/102 , G06Q20/202 , G06Q20/227 , G06Q20/351 , G06Q20/3555 , G06Q20/40 , G06Q20/405
摘要： A multi-account payment card (MPC) transaction computing device is configured to receive a first and second transaction request, wherein each transaction request includes a payment card account identifier and a portion of a payment transaction with a merchant to be paid using the payment card account. The MPC transaction computing device then generates a virtual card number (VCN) and transmits the VCN to a user computing device. The MPC transaction computing device further facilitates authorization of the payment transaction by separately conduction authorization for the first payment card account corresponding to the first transaction request and the second payment card account for the second portion of the payment transaction. The MPC transaction computing device then generates a VCN authorization confirmation message and transmits the VCN authorization confirmation message to the merchant.

2. 发明申请

US20170091609A1 IC CARD ISSUANCE APPARATUS, IC CARD ISSUANCE SYSTEM AND IC CARD ISSUANCE METHOD 有权
公开(公告)号：US20170091609A1
公开(公告)日：2017-03-30
申请号：US15263702
申请日：2016-09-13
申请人： Kabushiki Kaisha Toshiba
发明人： Hiroki FUKUOKA
IPC分类号： G06K19/077 , G06K19/04 , G06K19/06
CPC分类号： G06K19/07716 , G06K19/044 , G06K19/06187 , G06Q20/341 , G06Q20/355 , G06Q20/3552 , G06Q20/3555
摘要： An IC card issuance apparatus includes an issuance processing unit and a data supply unit. The issuance processing unit performs processing for issuing an IC card based on issuance data. The data supply unit monitors whether or not an issuance data file containing the issuance data is stored in a storage apparatus designated in advance, and supplies the issuance data contained in the issuance data file stored in the storage apparatus to the issuance processing unit such that the issuance processing unit executes issuance of the IC card based on the issuance data if the issuance data file is stored in the storage apparatus.

3. 发明授权

US09280880B1 Method and system for generating alternative identification payment cards 有权
标题翻译：用于生成替代识别支付卡的方法和系统
公开(公告)号：US09280880B1
公开(公告)日：2016-03-08
申请号：US14514846
申请日：2014-10-15
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： Philippa Jane Penn Bremer , Robert Colin Ward
IPC分类号： G06K1/12 , G06K15/02 , G06Q20/26 , G07F17/42 , G06Q20/34 , G06F3/12
CPC分类号： G07F17/42 , G06Q20/34 , G06Q20/3555
摘要： A method for generating alternative identification payment cards includes: storing, in a database, a plurality of payment account numbers, wherein each payment account number is associated with a payment account; generating, by a processing device, an alternative identification number for each payment account number of the plurality of payment account numbers, wherein the alternative identification number includes at least a program identifier, a unique identifier, and a check value; generating, by the processing device, a data file including each payment account number of the plurality of payment account numbers and the generated alternative identification number for each respective payment account number; and transmitting, by a transmitting device, the generated data file for printing a plurality of payment cards.
摘要翻译：一种用于产生替代识别支付卡的方法包括：在数据库中存储多个支付帐号，其中每个支付帐号与支付账户相关联; 通过处理装置生成所述多个支付帐号的每个支付帐号的备选标识号，其中所述替代标识号至少包括节目标识符，唯一标识符和检查值; 由所述处理装置生成包括所述多个支付帐号的各支付账号和所生成的各支付账号的替代识别号的数据文件; 以及由发送装置发送用于打印多个支付卡的所生成的数据文件。

4. 发明申请

US20150058134A1 SYSTEMS, METHODS, AND ARTICLES OF MANUFACTURE FOR TARGETED MARKETING VIA IMPROVED CARD EMBOSSING 审中-公开
标题翻译：系统，方法和制造商通过改进的卡片制作进行针对性营销的文章
公开(公告)号：US20150058134A1
公开(公告)日：2015-02-26
申请号：US14458940
申请日：2014-08-13
申请人： Capital One Financial Corporation
发明人： Amanda Y. Hwang , William Joseph Carina
IPC分类号： G06Q30/02 , G06Q20/34 , G06K19/06
CPC分类号： G06Q30/0269 , G06Q20/3555
摘要： Systems, methods, and articles of manufacture are disclosed for generating marketing targeted to individual cardholders of shared credit card accounts. A financial service provider may configure a credit card account to be shared by two or more cardholders. The credit card provided to each particular cardholder is embossed with identifying information unique to that individual. The financial service provider reviews purchase transactions associated with the credit card account, and determines the transactions associated with each particular cardholder on the shared account based on the embossed information. Targeted marketing is generated and provided to the particular cardholder based on the purchase transaction information specific to that cardholder.
摘要翻译：公开了系统，方法和制品，用于产生针对共享信用卡账户的个人持卡人的营销。金融服务提供商可以配置由两个或多个持卡人共享的信用卡帐户。提供给每个特定持卡人的信用卡被压印有该个人唯一的识别信息。金融服务提供商审查与信用卡帐户相关联的购买交易，并且基于压印信息来确定与共享帐户上的每个特定持卡人相关联的交易。基于该持卡人特有的购买交易信息，生成并向特定持卡人提供有针对性的营销。

5. 发明授权

US08447670B1 Universal payment protection 有权
标题翻译：通用付款保护
公开(公告)号：US08447670B1
公开(公告)日：2013-05-21
申请号：US12645927
申请日：2009-12-23
申请人： John Mark DeLoach
发明人： John Mark DeLoach
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/24 , G06Q20/3555 , G06Q20/3572 , G06Q20/40 , G06Q20/405 , G06Q30/02 , G06Q40/00 , G07F7/10
摘要： A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other financial product. An accountholder may select trigger events and associated benefits. Upon the occurrence of a trigger event, the issuing entity will evaluate whether the accountholder is entitled to receive an associated benefit. Each benefit is intended to address at least one payment obligation. For example, an account may include payment protection in the form of automatic payment of minimum monthly credit card fees should the accountholder involuntarily become unemployed.
摘要翻译：在发生触发事件时提供支付保护的系统和方法。系统和方法包括可以与信用卡或其他金融产品相关联的帐户。帐户持有人可以选择触发事件和相关利益。发生触发事件后，发行实体将评估该账户持有人是否有资格获得相关利益。每项福利旨在解决至少一项付款义务。例如，如果帐户不自愿失业，帐户可能会以自动支付最低每月信用卡费用的形式包括支付保护。

6. 发明申请

US20120290408A1 AFFINITY GROUP 审中-公开
标题翻译： AFFINITY集团
公开(公告)号：US20120290408A1
公开(公告)日：2012-11-15
申请号：US13557166
申请日：2012-07-24
申请人： Tom Elgar , Adam Elgar
发明人： Tom Elgar , Adam Elgar
IPC分类号： G06K9/36 , G06Q30/02 , G06Q40/00
CPC分类号： G06Q20/3555 , G06F3/04845 , G06Q20/24 , G06Q30/02 , G06Q30/0226
摘要： A method of creating an affinity group image for application to an affinity group transaction means, the method comprising: displaying at least one image for application to a transaction means associated with the affinity group; receiving instructions to manipulate an image selected from the at least one image; processing the selected image by applying the received manipulation instructions to the selected image to produces a personalized image; and saving the personalized image for selection by a member of the affinity group.
摘要翻译：一种创建用于应用于亲和力组事务的亲和力组图像的方法，其特征在于，所述方法包括：将至少一个图像应用于与所述关联组相关联的事务处理装置; 接收操纵从所述至少一个图像中选择的图像的指令; 通过将接收到的操作指令应用于所选择的图像来处理所选择的图像以产生个性化图像; 并保存个人化图像以供亲和组的成员选择。

7. 发明授权

US07941355B1 Universal payment protection 有权
标题翻译：通用付款保护
公开(公告)号：US07941355B1
公开(公告)日：2011-05-10
申请号：US11331141
申请日：2006-01-13
申请人： John Mark DeLoach
发明人： John Mark DeLoach
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q20/24 , G06Q20/3555 , G06Q20/3572 , G06Q20/40 , G06Q20/405 , G06Q30/02 , G06Q40/00 , G07F7/10
摘要： A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other financial product. An accountholder may select trigger events and associated benefits. Upon the occurrence of a trigger event, the issuing entity will evaluate whether the accountholder is entitled to receive an associated benefit. Each benefit is intended to address at least one payment obligation. For example, an account may include payment protection in the form of automatic payment of minimum monthly credit card fees should the accountholder involuntarily become unemployed.
摘要翻译：在发生触发事件时提供支付保护的系统和方法。系统和方法包括可以与信用卡或其他金融产品相关联的帐户。帐户持有人可以选择触发事件和相关利益。发生触发事件后，发行实体将评估该账户持有人是否有资格获得相关利益。每项福利旨在解决至少一项付款义务。例如，如果帐户不自愿失业，帐户可能会以自动支付最低每月信用卡费用的形式包括支付保护。

8. 发明申请

US20090055936A1 METHOD AND SYSTEM FOR THE USER-SPECIFIC INITIALIZATION OF IDENTIFICATION DEVICES IN THE FIELD 有权
标题翻译：用于现场识别设备的用户特定初始化的方法和系统
公开(公告)号：US20090055936A1
公开(公告)日：2009-02-26
申请号：US11718676
申请日：2005-09-21
申请人： Bernd Eberstaller
发明人： Bernd Eberstaller
IPC分类号： G06F21/00
CPC分类号： G07B15/00 , G06F21/31 , G06F21/34 , G06F21/42 , G06F2221/2117 , G06F2221/2129 , G06Q20/3552 , G06Q20/3555 , G07F7/1008
摘要： The invention relates to a method and system for the user-specific initialization of identification devices in the field, particularly on-board units in road toll systems, based on a central facility, whereby each identification device, when delivered, has a unique device identification to which, in the central facility, a unique user identification is assigned, and in the central facility, an initialization PIN is generated from the device identification and from the user identification and is transmitted to the identification device from which the identification device, based on its device identification, computes the user identification for the user-specific initialization.
摘要翻译：本发明涉及一种基于中心设施的现场识别设备的用户特定初始化，特别是道路收费系统中的车载单元的方法和系统，由此每个识别设备在被传送时具有独特的设备标识在中央设施中分配了唯一的用户识别，并且在中央设施中，从设备标识和用户标识生成初始化PIN，并将其发送到识别设备，识别设备基于其设备识别，计算用户特定初始化的用户标识。

9. 发明申请

US20080255980A1 CARD MANAGEMENT SYSTEM AND METHOD 有权
标题翻译：卡管理系统与方法
公开(公告)号：US20080255980A1
公开(公告)日：2008-10-16
申请号：US12131548
申请日：2008-06-02
申请人： Sheldon Kasower
发明人： Sheldon Kasower
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/24 , G06Q20/3555 , G06Q20/385 , G06Q30/016 , G06Q40/00 , G06Q40/025 , G07F7/122
摘要： A method of registering a credit card user's credit card information by a credit card management organization. A card user accesses the card management computer system in a computer network. The method provides a user interface whereby the user grants authorization to the card management organization to obtain the card user's credit report from a credit reporting bureau. The method further transmits a request for the user's credit report to a credit reporting bureau and automatically downloads the user's credit report when received. The method further parses the credit report to determine a card issuer for each card on the credit report using a database of card issuer aliases. The method then fully or partially automatically registers each card with the user's account in the card management association and then presents the opportunity to the user to review and edit each card.
摘要翻译：信用卡管理机构注册信用卡用户信用卡信息的方法。卡用户访问计算机网络中的卡管理计算机系统。该方法提供用户界面，用户授权卡管理组织从信用报告局获取卡用户的信用报告。该方法还向信用报告局发送用户的信用报告请求，并在收到用户的信用报告时自动下载。该方法进一步解析信用报告，以使用发卡机构别名的数据库来确定信用报告上的每张卡的发卡机构。然后，该方法将每张卡片全部或部分自动注册到卡管理关联中的用户帐户，然后向用户呈现查看和编辑每张卡片的机会。

10. 发明授权

US07401731B1 Method and system for implementing a card product with multiple customized relationships 有权
标题翻译：实现具有多种定制关系的卡片产品的方法和系统
公开(公告)号：US07401731B1
公开(公告)日：2008-07-22
申请号：US11202270
申请日：2005-08-12
申请人： Tracy M. Pletz , Howard C. Seidel , Joseph Rochford
发明人： Tracy M. Pletz , Howard C. Seidel , Joseph Rochford
IPC分类号： G06K5/00
CPC分类号： G06Q40/025 , G06Q20/24 , G06Q20/3555 , G06Q20/3572 , G06Q20/40 , G06Q20/405 , G06Q30/02 , G06Q40/00 , G07F7/10
摘要： According to one embodiment, the present invention relates to a method and a system for implementing a card product or access mechanism with multiple relationships with an issuing entity (e.g., bank, etc.) where each relationship may be defined by one or more sets of rules that are customized for a particular customer. A computer implemented method and system for implementing a mechanism with multiple customized relationships may involve identifying one or more customized rules for an access mechanism associated with a customer; establishing a plurality of accounts for the customer wherein the plurality of accounts comprise different accounts with different account characteristics; and invoking one of the plurality of accounts for a transaction through the access mechanism, based at least in part on the one or more customized rules; wherein the plurality of accounts share at least one funding account.
摘要翻译：根据一个实施例，本发明涉及用于实现具有与发行实体（例如，银行等）具有多重关系的卡产品或接入机制的方法和系统，其中每个关系可以由一组或多组针对特定客户定制的规则。用于实现具有多个定制关系的机制的计算机实现的方法和系统可以涉及识别与客户相关联的访问机制的一个或多个定制规则; 为客户建立多个账户，其中多个账户包括具有不同账户特征的不同账户; 以及至少部分地基于所述一个或多个定制规则，通过所述访问机制来调用所述多个帐户中的一个账户进行交易; 其中所述多个帐户共享至少一个资金账户。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式