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1. 发明申请

WO2018027115A1 SNAP IT GO SYSTEM AND METHOD 审中-公开
标题翻译： SNAP IT GO系统和方法
公开(公告)号：WO2018027115A1
公开(公告)日：2018-02-08
申请号：PCT/US2017/045465
申请日：2017-08-04
申请人： MANSUR, B
发明人： MANSUR, B
IPC分类号： G06Q20/28 , G06Q20/16 , G06Q20/32
CPC分类号： G06Q20/28 , G06K7/10297 , G06K7/1413 , G06K7/1417 , G06Q20/24 , G06Q20/26 , G06Q20/322 , G06Q20/3223
摘要： A system and method to allow the virtual equivalent tendering of cash using a push model, so that a user may pay a transaction through an electronic prepaid, credit and/or debit accounts' mechanism, when paying for goods and services. In effect, the system replicates the tendering of a cash transaction (through a push rather than a pull model), providing vendors and customers with an easy to interface approach.
摘要翻译：使用推送模型允许现金的虚拟等价投标的系统和方法，以便用户在付款时可以通过电子预付费，信用卡和/或借方账户机制支付交易货物与服务。实际上，系统复制了现金交易的招标（通过推送而不是拉模式），为供应商和客户提供了一种易于界面的方法。

2. 发明申请

WO2017218060A1 COMMODITY PURCHASE SYSTEM 审中-公开
标题翻译：商品购买体系
公开(公告)号：WO2017218060A1
公开(公告)日：2017-12-21
申请号：PCT/US2017/023345
申请日：2017-03-21
申请人： RACUSIN, Michael, A.
发明人： RACUSIN, Michael, A.
IPC分类号： G06G1/12 , G06Q20/00
CPC分类号： G06Q20/28 , G06Q20/202 , G06Q20/26 , G06Q20/387 , G06Q30/0207
摘要： A commodity purchase system is disclosed that allows a consumer to pre-purchase a commodity at a discounted price without taking delivery at the time of the purchase. The discount takes into account the unit regional wholesale gasoline price for the region at the time of purchase as well as local taxes and local fees which can vary in different locales. In this way, a wholesaler can offer a commodity purchase card with or without a discount that can be used in all regions of a geographical area, such as the US, even though the local taxes, local fees and the regional unit gasoline price varies. In particular, the system determines the location of the user by way of a Point of Sale (POS) terminal. Once the location of the user is known, the system determines a discounted wholesale unit gasoline price. This can be done by determining the retail undiscounted per unit price at the time of purchase and subtracting from it the regional wholesale unit price which determines the quantity (local taxes + local fees) or alternatively subtracting the local taxes to determine the local fees. Either way, the discounted retail price is determined by adding the local taxes and local fees to the discounted wholesale price at the time of purchase. Once the total unit price for the location is determined, the system checks the user's current cash balance and enables the POS pump for a number of gallons as a function of the current cash balance. The commodity purchase system allows a purchaser to purchase a commodity that is attractive to wholesalers without any geographical constraints.
摘要翻译：公开了一种商品购买系统，其允许消费者以折扣价格预先购买商品而不在购买时接收货物。折扣考虑了购买时该地区的单位区域批发汽油价格以及当地税收和当地费用，这些费用在不同地区可能会有所不同。通过这种方式，批发商可以提供具有或不具有折扣的商品购买卡，即使当地税收，当地费用和区域单位汽油价格变化，也可以在地理区域的所有地区使用，例如美国。具体而言，系统通过销售点（POS）终端来确定用户的位置。一旦知道用户的位置，系统就确定折扣的批发单位汽油价格。这可以通过确定购买时每单位价格的未折现零售价，并从中扣除确定数量的地区批发单位价格（地方税+当地费用），或者减去地方税以确定当地费用。无论哪种方式，折扣零售价格是通过在购买时将当地税收和当地费用添加到折扣批发价格来确定的。一旦确定了该地点的总单价，系统将检查用户当前的现金余额，并根据当前的现金余额为POS泵启用若干加仑。商品购买系统允许购买者购买对批发商有吸引力的商品，而没有任何地理限制。

3. 发明申请

WO2017086532A1 가맹점 결제 처리 시스템 및 그 방법 审中-公开
标题翻译：商户支付处理系统和方法
公开(公告)号：WO2017086532A1
公开(公告)日：2017-05-26
申请号：PCT/KR2015/013865
申请日：2015-12-17
申请人： (주)지니정보통신
发明人： 정하영 , 정혜진
IPC分类号： G06Q40/02 , G06Q20/04 , G06Q20/24 , G06Q20/26 , G06Q30/04
CPC分类号： G06Q20/04 , G06Q20/24 , G06Q20/26 , G06Q30/04 , G06Q40/02
摘要： 본 발명은 가맹점 결제 처리 시스템 및 그 방법에 관한 것이다. 본 발명의 가맹점 결제 처리 시스템은 가맹점 단말기와 가맹점 금융기관 서버 및 고객 금융기관 서버를 포함한다. 가맹점 금융기관은 가맹점으로부터 가맹점 결제 선지급 서비스를 신청, 승인받도록 처리하고, 가맹점과 가맹점 금융기관 간의 서비스 이용에 따른 수수료를 협상하여 결정하고, 가맹점 결제 선지급 서비스 이용이 승인되면 가맹점으로 통보하여 가맹점이 해당 서비스를 이용하도록 제공된다. 가맹점 결제 처리 시스템은 고객이 가맹점에서 상품이나 용역을 구매하고, 구매 금액을 고객의 신용카드나 체크카드 또는 고객 단말기를 이용하여 결제하는 경우, 가맹점이 가맹점 금융기관으로 선지급하도록 요청하면, 가맹점 금융기관이 가맹점 계좌로 해당 매출 금액을 선지급하고, 선지급된 금액을 고객의 금융기관에 청구하여 지급받도록 처리한다. 본 발명에 의하면, 매출이 발생되는 즉시 가맹점에게 매출 금액이 입금되도록 하며, 선지급에 따른 수수료를 통해 가맹점 금융기관의 새로운 수익 창출 서비스를 제공할 수 있다.
摘要翻译：商业支付处理系统及其方法技术领域本发明涉及一种商业支付处理系统及其方法。本发明的商户支付处理系统包括加盟商店终端，商店金融机构服务器和客户金融机构服务器。相应的是处理接受申请商家，金融机构商人，认可商人支付从商户预付费业务，并决定根据商户和商户的金融机构和商户支付预付费业务之间的业务洽谈的费用被批准通知商家这是提供给使用该服务。当系统是客户购买商品或服务，并在商户客户的信用卡或借记卡或客户终端货款的商户支付处理，如果商家被要求提前支付给商业银行，商业银行机构预付商户账户的销售额，并将预付金额收取到客户的金融机构进行支付。根据本发明，并立即开始对商家销售产生的收入，这种存款可以通过预先支付的佣金提供金融机构新的创收服务，商人。

4. 发明申请

WO2016000069A1 ONLINE MATCHMAKING METHOD AND SYSTEM 审中-公开
标题翻译：在线匹配方法与系统
公开(公告)号：WO2016000069A1
公开(公告)日：2016-01-07
申请号：PCT/CA2015/050248
申请日：2015-03-31
申请人： FACE TO FACE TECHNOLOGIES INC.
发明人： MILLERSHIP, James , MILLER, Sean , THODY, Adam
IPC分类号： G06Q50/10 , G06Q10/10 , H04L12/16
CPC分类号： G06Q10/109 , G06Q10/105 , G06Q20/26 , G06Q50/01 , G06Q50/10 , H04L12/1818 , H04L12/1831 , H04L51/32 , H04L67/42
摘要： The present disclosure relates to an online matchmaking system and method. A plurality of participants, each having a profile, is invited to an online matchmaking event. For each participant, a predetermined number of complementary participant profiles are determined. Online meetings are set up, each online meeting being held between participants having complementary profiles. Each participant attends a number of online meetings corresponding to the predetermined number. For each given online meeting, a feedback is received from a participant to the given online meeting, the feedback being related to an other participant to the given online meeting. Determination is made whether there is a two-way match between participants to a given online meeting based on feedback received from at least one of the participants to the given online meeting. Each participant is informed of a number of two-way matches determined from the online meetings the participant has attended.
摘要翻译：本公开涉及在线配对系统和方法。每个具有简档的参与者被邀请到在线匹配事件。对于每个参与者，确定预定数量的补充参与者简档。在线会议成立，每个在线会议在参与者之间进行互补配置。每个参与者参加与预定号码相对应的多个在线会议。对于每个给定的在线会议，从参与者收到给定的在线会议的反馈，反馈与给定的在线会议的其他参与者相关。根据从至少一个参与者收到的给定的在线会议的反馈，确定给定的在线会议的参与者之间是否存在双向匹配。每位参赛者都被通知参加者参加的在线会议确定的一系列双向比赛。

5. 发明申请

WO2014196679A1 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템 및 대출방법 审中-公开
标题翻译：虚拟循环结构体系和立即支付贷款的无偿利息和使用借记卡的生活费用的方法
公开(公告)号：WO2014196679A1
公开(公告)日：2014-12-11
申请号：PCT/KR2013/005421
申请日：2013-06-19
申请人： 심정택 , 오원석
发明人： 심정택 , 오원석
IPC分类号： G06Q40/02 , G06Q20/26
CPC分类号： G06Q20/34 , G06Q20/24 , G06Q20/26 , G06Q20/4037 , G06Q40/02
摘要： 본 발명은 체크카드를 이용한 선순환 무이자 무수수료 생활비 즉시결제 대출시스템 및 대출방법에 관한 것으로, 통장 및 카드발행수단(10)과; 카드사용 확인수단(20)과; 카드사용 한도액 증액수단(30)과; 원금상환 운영수단(40)과; 카드사용 내역 관리수단(50) 및; 데이터 베이스(DB 1, DB 2, DB 3)로 구성되어 회원가입단계(S1단계)와; 통장 및 카드 발행단계(S2단계)와; 카드사용 확인단계(S3단계)와; 사용한도 증액단계(S4단계)와; 원금상환 관리단계(S5단계)와; 금리관리단계(S6단계); 카드사용 내역 관리단계(S7단계) 및; 테이터 관리단계(S8단계)로 이루어져 체크카드 시스템을 운영하는 은행이나 체크카드를 사용하는 회원고객인 기업, 개인 및 정부 경제주체 양쪽 모두에게 수입을 극대화하는 효과가 있을 뿐만 아니라 직영가맹점에게는 사회복지제도 개선기금조성 및 각종 발전기금조성용이, 일자리 창출효과가 있고 협력가맹점에게는 고정고객으로 인해 매출증대, 가맹점 브랜드 홍보효과와 서민가계 경제활성화 효과가 있으며 일반가맹점에게는 효율적인 소비로 시장경제를 활성화하고 무이자 경제서비스 혜택으로 삶의 질과 행복지수를 향상시키는 뛰어난 각별한 장점이 있는 유용한 발명이다.
摘要翻译：本发明涉及不利息的立即支付贷款的良性循环结构化系统和方法，并且不使用借记卡生活费用的费用，该系统包括：帐户和卡发行装置（10）; 卡使用检查装置（20）; 卡使用限制提升装置（30）; 主要还款管理手段（40）; 卡片使用细节管理装置（50）; 和数据库（DB 1，DB 2和DB 3），并且该方法包括以下步骤：征用成员（S1）; 发行账户和卡（S2）; 检查卡使用情况（S3）; 增加使用限制（S4）; 管理本金偿还（S5）; 管理利益（S6）; 管理卡使用细节（S7）; 和管理数据（S8）。本发明是具有特殊益处的本发明，本发明有利于最大限度地利用经营系统的银行的收入，以及使用借记卡的成员客户，例如企业，个人和政府经济机构，以及另外，直接附属公司有利于创造各种发展资金和资金，改善社会福利制度和创造就业机会，为合作关系人员增加贷款数量，附属公司品牌营销和振兴家庭财务，由普通客户和一般关联企业，由于有利消费振兴市场经济，提高生活质量，提高幸福指数，自由经济服务。

6. 发明申请

WO2014020622A1 SYSTEM AND METHOD FOR PERFORMING A PURCHASE TRANSACTION WITH A MOBILE ELECTRONIC DEVICE 审中-公开
标题翻译：用移动电子设备进行购买交易的系统和方法
公开(公告)号：WO2014020622A1
公开(公告)日：2014-02-06
申请号：PCT/IT2012/000244
申请日：2012-08-02
申请人： SARTOR, Andrea
发明人： SARTOR, Andrea
IPC分类号： G06Q20/02 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/14 , G06Q20/02 , G06Q20/065 , G06Q20/20 , G06Q20/26 , G06Q20/327 , G06Q20/40
摘要： An electronic system (1) is described to perform a purchase transaction of goods or services. The system includes a mobile electronic device (2) configured to receive (t 3 ) a second message (MSG2) carrying an authorization data field (AUT_D) indicating a valid or invalid authorization to use an electronic money for performing the purchase transaction, configured to store the content of the authorization data field into a non-volatile memory (160) inside the mobile electronic device and configured to transmit (t 5 ; t 7 ') a third message (MSG3; MSG4') carrying an electronic money identification data field (EM_ID) for indicating data identifying the electronic money used for performing the purchase transaction and carrying the authorization data field (AUT_D; AUT_D'). The system further includes a transaction server (4) configured to transmit (t 2 ) the second message (MSG2) carrying the authorization data field (AUT_D) and configured to receive (t 10 ) a fifth message (MSG5) carrying the electronic money identification data field (EM_ID) and carrying a bill amount field (BL_AM) indicating a bill amount to be paid for the selected goods or services and transmit (t 11 ) therefrom a sixth message (MSG6) carrying a settlement result field (RES_STL) for indicating if the value of the bill amount has been debited on the electronic money. The system further includes a Point-of-Sale device (6) configured to receive (t 6 ; t 8 ') from the mobile electronic device the third message (MSG3; MSG4') carrying the electronic money identification data field (EM_ID) and the authorization data field (AUT_D; AUT_D') and transmit (t 9 ) therefrom the fifth message (MSG5) carrying the electronic money identification data field and the bill amount field (BL_AM), in case of a valid value of the content of the authorization data field.
摘要翻译：描述电子系统（1）来执行商品或服务的购买交易。该系统包括：移动电子设备（2），被配置为接收（t3）携带指示使用电子货币执行购买交易的有效或无效授权的授权数据字段（AUT_D）的第二消息（MSG2），其被配置为存储将所述授权数据字段的内容写入到所述移动电子设备内的非易失性存储器（160）中并且被配置为发送（t5; t7'）携带电子货币识别数据字段（EM_ID）的第三消息（MSG3; MSG4'），用于指示用于识别用于执行购买交易并携带授权数据字段（AUT_D; AUT_D'）的电子货币的数据。该系统还包括一个交易服务器（4），被配置为发送（t2）承载授权数据字段（AUT_D）的第二消息（MSG2），并配置为接收（t10）携带电子货币识别数据字段的第五消息（MSG5）（EM_ID）并携带指示要为所选择的商品或服务支付的帐单金额的帐单金额字段（BL_AM），并从其发送携带结算结果字段（RES_STL）的第六消息（MSG6）（t11），用于指示值是否的账单金额已经从电子货币中扣除。该系统还包括：销售点设备（6），被配置为从移动电子设备接收携带电子货币识别数据字段（EM_ID）的第三消息（MSG3; MSG4'）和授权（t6; t8'）数据字段（AUT_D; AUT_D'），并从携带电子货币识别数据字段和纸币金额字段（BL_AM）的第五消息（MSG5）发送（t9），在授权数据字段的内容的有效值的情况下。

7. 发明申请

WO2014014293A1 PAYMENT AGENCY SYSTEM HAVING FUNCTION OF ISSUING LOTTERY TICKET AND OPERATION METHOD THEREOF 审中-公开
标题翻译：付款机构系统具有发布功能的乐谱及其操作方法
公开(公告)号：WO2014014293A1
公开(公告)日：2014-01-23
申请号：PCT/KR2013/006450
申请日：2013-07-18
申请人： JUNG, Mu-sung , KIM, Sang-Young
发明人： JUNG, Mu-sung , KIM, Sang-Young
IPC分类号： G06Q20/04 , G06Q20/24 , G06Q20/26 , G06Q50/34
CPC分类号： G07F17/329 , G06Q20/24 , G06Q20/26 , G06Q50/34
摘要： There are provided a payment agency system having a lottery ticket issuing function and an operation method thereof. The payment agency system includes a plurality of affiliated store terminals, a plurality of supplier terminals, and an operating company server. The plurality of affiliated store terminals have a credit card or check card payment processing function of a sales amount of money for affiliated store goods and a lottery ticket issuance requesting and lottery ticket issuing function. The plurality of supplier terminals have a credit card payment processing function of amount for a material supplied to the affiliated store. The operating company server determines whether to authorize credit card payment or check card payment requested from one of the plurality of supplier terminals through the VAN company server. Based on payment information for the amount, the operating company server accumulates a lottery fund and an affiliated store point, and sets net cost that is to be paid to the supply chain. The operating company determines whether to issue a lottery ticket in response to a lottery ticket issuance request from the affiliated store terminal, notifies the affiliated store terminal of the determination result, and deducts an accumulation point of the affiliated store to which the lottery ticket has been issued. According to the payment agency system and the operation method thereof, since some of cost for an article supplied to the affiliated store by the supply chain is presented to the affiliated store as a lottery fund and a point for attracting customers and promoting the affiliated store, it is possible to reduce a burden on promoting expenses of the affiliated store and to increase the number of stores to be transacted with the supply chain. Further, it is possible to prevent profligate purchasing of the lottery ticket, so that a healthy lottery culture can be established.
摘要翻译：提供具有彩票发行功能的付款代理系统及其操作方法。支付代理系统包括多个附属商店终端，多个供应商终端和操作公司服务器。多个附属商店终端具有用于附属商品的销售金额的信用卡或支票卡支付处理功能以及彩票发行请求和彩票发行功能。多个供应商终端具有用于向附属商店提供的材料的金额的信用卡支付处理功能。操作公司服务器通过VAN公司服务器确定是否授权从多个供应商终端之一请求的信用卡支付或支票卡支付。根据金额的付款信息，运营公司服务器累积彩票基金和附属店面，设定要支付给供应链的净成本。经营公司决定是否根据附属店面的彩票发行请求发出彩票，向附属店终端通知确定结果，并扣除彩票所在附属店铺的累积点发行。根据支付代理制度及其操作方法，由供应链提供给附属商店的物品的一些成本作为彩票基金和吸引客户并促进附属商店的点被呈现给附属商店，有可能减轻关联商店开支的负担，并增加与供应链交易的商店数量。此外，可以防止对彩票的挥霍购买，从而可以建立健康的彩票文化。

8. 发明申请

WO2013067501A1 BENEFICIAL PRODUCT DISPENSER 审中-公开
标题翻译：受益产品分销商
公开(公告)号：WO2013067501A1
公开(公告)日：2013-05-10
申请号：PCT/US2012/063561
申请日：2012-11-05
申请人： VENDRX, INC.
发明人： JEFFERIES, Trent , FREY, David , MURDOCK, Galen Earl , SCHWARTZ, Mary , JEFFERIES, Samantha
IPC分类号： A61J7/00 , G06Q50/22 , G07F11/00
CPC分类号： G06F19/3462 , G06F19/00 , G06Q10/087 , G06Q10/10 , G06Q20/10 , G06Q20/18 , G06Q20/24 , G06Q20/26 , G06Q20/34 , G06Q50/22 , G07F17/0092
摘要： A dispensing station comprises beneficial products for patients of a health care provider. An inventory database tracks inventory available in the dispensing station. A patient is associated with a prescription record, which specifies a prescribed beneficial product. The patient may provide patient identifying information to the dispensing station, such as credentialed payment information, which may be used to identify a prescription record, authenticate the patient, transfer a payment, and/or dispense the prescribed beneficial product to the patient. The prescription record may be valid for a limited time period, may be restricted to fulfillment within a particular location, and/or may be restricted to one or more specified dispensing stations. The dispensing station may validate the beneficial products before dispensing the products to the patient.
摘要翻译：分配站包括用于医疗保健提供者的患者的有益产品。库存数据库跟踪分配站中可用的库存。患者与处方记录相关联，该处方记录规定了规定的有益产品。患者可以向分配站提供患者识别信息，例如可以用于识别处方记录，认证患者，转移支付和/或向患者分配规定的有益产品的凭证支付信息。处方记录在有限的时间段内可能是有效的，可以限制在特定位置内的履行，和/或可限于一个或多个指定的分配站。分配站可以在将产品分配给患者之前验证有益产品。

9. 发明申请

WO2011127029A1 METHOD AND SYSTEM FOR PROCESSING PIN DEBIT TRANSACTIONS 审中-公开
标题翻译：用于处理PIN码交易的方法和系统
公开(公告)号：WO2011127029A1
公开(公告)日：2011-10-13
申请号：PCT/US2011/031210
申请日：2011-04-05
申请人： CARDINAL COMMERCE CORPORATION , KERESMAN, Michael, A., III , TURGEON, Paul
发明人： KERESMAN, Michael, A., III , TURGEON, Paul
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4012 , G06Q20/02 , G06Q20/0855 , G06Q20/12 , G06Q20/24 , G06Q20/26 , G06Q20/34 , G06Q20/383 , G06Q20/385 , G06Q30/0613
摘要： A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.
摘要翻译：一种用于处理商家和消费者之间借方交易的系统。该系统包括被编程为接收消费者的支付信息的一个或多个处理器，从消费者收集借记卡的认证数据，将对借方交易唯一的别名帐号发送给商家，接收包括别名帐户的信用授权消息使用认证数据将信用授权消息转换为借记授权消息，并将付款授权消息发送到支付处理器。

10. 发明申请

WO2011005775A1 METERING AND CONTROL SYSTEMS AND METHODS TO OPERATE THE SAME 审中-公开
标题翻译：计量和控制系统及其操作方法
公开(公告)号：WO2011005775A1
公开(公告)日：2011-01-13
申请号：PCT/US2010/041085
申请日：2010-07-06
申请人： BRUNSWICK CORPORATION, A DELAWARE CORPORATION , MOORE, Royd, James , YOUNG, Brian, Alexander , JENKINSON, David
发明人： MOORE, Royd, James , YOUNG, Brian, Alexander , JENKINSON, David
IPC分类号： G01D4/00 , G01R21/133 , G07F7/10 , G06Q20/00
CPC分类号： G07F15/00 , G06Q20/26
摘要： Example metering and control systems and methods to operate the same are disclosed. A disclosed example method includes (405) obtaining a first identifier from an electronic identification module, (410) obtaining a second identifier from a keypad, (415) querying a database with the first identifier to identify an account, (420) comparing the second identifier with a third identifier stored in the account to validate a user of the account, and ( 435) activating the utility service for access by the user when the user is validated.
摘要翻译：公开了用于操作相同的计量和控制系统和方法。公开的示例方法包括（405）从电子识别模块获得第一标识符，（410）从小键盘获得第二标识符，（415）用第一标识符查询数据库以识别帐户，（420）比较第二标识符标识符，其中存储在所述帐户中的第三标识符来验证所述帐户的用户，以及（435）当所述用户被验证时激活所述公用服务以供所述用户访问。

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