Patent application number | Description | Published |
20080249910 | REGISTRATION OF CUSTOMERS FOR PAYMENT CARD BASED REMITTANCE SYSTEM - An application is received to register a customer for a funds transfer system. The application includes (a) the customer's name, (b) the customer's residential address, (c) the customer's mobile telephone number, and (d) an identification document that confirms the customer's name and residential address. The customer's mobile telephone number is associated with a payment card account number. The customer's name and residential address and a record of the identification document are stored in association with the payment card account number. | 10-09-2008 |
20080249928 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DESIGNATION OF RECIPIENT BY MOBILE TELEPHONE NUMBER - A request is received for a funds transfer. The request includes a destination telephone number. The destination telephone number is translated into a destination payment card account number. The funds transfer is routed as a payment transaction using the destination payment card account number. | 10-09-2008 |
20080249929 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION - A payment system receives, from a first financial institution, a request for a funds transfer. The request originates from a sender who has an account with the first financial institution. The payment system routes the funds transfer to a second financial institution for the benefit of a recipient. The payment system receives, from the second financial institution, the recipient's name and residential address. | 10-09-2008 |
20080249930 | INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company. | 10-09-2008 |
20080249937 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO RECEIVING FINANCIAL INSTITUTION - A request for a funds transfer is received from a first financial institution located in a first country. The request includes data that indicates the name and residential address of an individual who initiated the funds transfer. The funds transfer is routed from the first financial institution to a second financial institution located in a second country that is different from the first country. The routing of the funds transfer includes transmitting, to the second financial institution, the name and residential address of the individual who initiated the funds transfer. | 10-09-2008 |
20100318463 | METHOD AND APPARATUS FOR ADDRESSING ISSUER HOLD FOR AUTOMATED FUEL DISPENSER TRANSACTIONS IN AN ELECTRONIC PAYMENT SYSTEM - Placement of a hold amount against a payment card account of a customer is facilitated, in response to the customer presenting a payment device, associated with the payment card account, in connection with a non-PIN, signature-based, dual-message transaction with a merchant. The presenting of the payment device is prior to a time when an amount of the transaction can be determined. Subsequent to the placement of the hold amount, immediately after the time when the amount of the transaction can be determined, transmission of an authorization advice message from an acquirer associated with the merchant to an issuer of the payment device is facilitated. The authorization advice message indicates the amount of the transaction. A further step includes facilitating the issuer of the payment device releasing any portion of the hold amount which exceeds the amount of the transaction, immediately responsive to the authorization advice message. | 12-16-2010 |
20110017820 | TECHNIQUES FOR AUTHORIZATION OF USAGE OF A PAYMENT DEVICE - Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device; facilitating obtaining an issuer authorization decision; and responsive to the issuer authorization decision, facilitating setting a spending limit for the account number based on at least an appropriate one of the parameters. | 01-27-2011 |
20120016795 | INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company. | 01-19-2012 |
20120215688 | DEMAND DEPOSIT ACCOUNT PAYMENT SYSTEM - A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction. | 08-23-2012 |
20120317030 | INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - Methods and systems for registering a remittance customer to facilitate international funds transfers are described. In an embodiment a first financial institution computer in a first country receives the name, residence address and a mobile telephone number of a remittance customer from a first mobile network operator (MNO), and also receives image data that corresponds to documentation verifying the remittance customer's identity and residence address. A new payment card account number is generated for the remittance customer and is stored along with the image data and first mobile telephone number. The remittance customer's mobile telephone number and new payment card account number is then transmitted to a translation server of a payment system used for transferring funds internationally. | 12-13-2012 |
20130151408 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION - A payment system computer receives a request for a funds transfer from a sender to a recipient. The payment system computer routes a request to authorize funding of the funds transfer to a first financial institution. The payment system computer receives an authorization response that includes sender information that satisfies know your customer (KYC)/anti-money laundering (AML) requirements. A mobile telephone number of the recipient is translated into a recipient account number, wherein the recipient account number corresponds to a recipient account at a second financial institution different from the first financial institution. The payment system computer then transmits the sender information and the funds to the second financial institution to satisfy KYC/AML requirements and for crediting to the recipient account. | 06-13-2013 |
20130282585 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO RECEIVING FINANCIAL INSTITUTION - A request for a funds transfer is received by a sending financial institution (FI) located in a first country from a mobile network operator (MNO) for a recipient located in a second country. The funds transfer request includes the sender's mobile telephone number and transaction data, and the process includes translating the mobile telephone number into a sender's payment card account number, determining that the sender's payment card account can support the transfer amount, and transmitting the transaction data and the sender's payment card account number to a payment system. The sending FI receives a payment confirmation message that satisfies compliance with know your customer (KYC) information and anti-money laundering (AML) information requirements, and transmits a remittance confirmation message to the MNO. | 10-24-2013 |
20130290182 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DESIGNATION OF RECIPIENT BY MOBILE TELEPHONE NUMBER - Methods and apparatus for conducting a funds transfer. In an embodiment, a translation computer receives an inquiry that includes a mobile telephone number from a payment system computer. The process includes accessing a computer database, translating the mobile telephone number into a payment card account number, and then transmitting, by the translation computer to the payment system computer, the payment card account number in response to the inquiry. | 10-31-2013 |
20150081536 | DEMAND DEPOSIT ACCOUNT PAYMENT SYSTEM - A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual identifier associated with the private virtual identifier. The method can also include distributing the public virtual identifier to consumers, receiving a DDA payment request from a billing entity including the public virtual identifier, retrieving the private virtual identifier in response to receipt of the public virtual identifier, and processing the DDA payment request using the private virtual identifier to facilitate payment to the billing entity on behalf of the consumer. The method and system also authenticates the identity of a user during a transaction. | 03-19-2015 |
Patent application number | Description | Published |
20120179587 | PREMIUM ACCESS TO OPEN APPLICATION PROGRAMMING INTERFACE SYSTEMS AND METHODS - A method and system for granting premium access to a service application stored within a service provider (SP) computer system through an open API platform is provided. The method includes receiving a request for premium access to the service application from a developer of a developer application wherein the developer application is configured to request data from the service application, assigning a production key to the developer application, sending an electronic message to a service owner (SO) associated with the service application requesting premium access to the service application, granting premium access to the service application by the SO for the developer application, updating the production key at the open API platform to include premium access to the service application, and notifying the developer of the granting of the premium access to the service application for the developer application. | 07-12-2012 |
20120180029 | METHOD AND SYSTEM FOR MANAGING PROGRAMMED APPLICATIONS IN AN OPEN API ENVIRONMENT - A method and system for an open API dashboard system for monitoring and managing one or more developer programmed applications configured to use one or more services provided by a service owner are provided. The system includes an application area associated with a corresponding programmed application, each application area including a call metrics group configured to display summarized metrics, a services used group configured to display a listing of each service called by the programmed application and metrics associated with each service, and a key management group configured to prompt a developer of the programmed application to request or revoke a key, wherein the key includes a developer identification, a programmed application identification, and signed certificates relating to services used by the programmed application. The system also includes a side bar area configured to prompt a developer to request information or help relating to the application area. | 07-12-2012 |
20130269041 | ACCESS TO APPLICATION PROGRAMMING INTERFACE SYSTEMS AND METHODS - A method and system for granting premium access to a service application stored within a service provider (SP) computer system through an open API platform is provided. The method includes receiving a request for premium access to the service application from a developer of a developer application wherein the developer application is configured to request data from the service application, assigning a production key to the developer application, sending an electronic message to a service owner (SO) associated with the service application requesting premium access to the service application, granting premium access to the service application by the SO for the developer application, updating the production key at the open API platform to include premium access to the service application, and notifying the developer of the granting of the premium access to the service application for the developer application. | 10-10-2013 |
Patent application number | Description | Published |
20120317746 | Floor Cleaning Machine - A floor cleaning machine has a housing and a movable hood that covers over vacuum and liquid hoses of the machine that are visible in prior art floor cleaning machines. The vacuum and liquid hoses are each pivotally connected to a wall of the machine housing and are also pivotally connected to a transparent dome provided on the hood. These connections reduce stresses on the hoses when the hood is moved and allow the dome to pivot relative to the hood. The floor cleaning machine also has a pair of slit orifices that eject fan spray patterns of cleaning liquid that are non-coplanar and do not intersect each other. Furthermore, the floor cleaning machine has an oscillating brush assembly that includes a brush that is replaceable without using tools. The brush height can be adjusted via an adjustment member provided on the oscillating portion of the assembly. | 12-20-2012 |
20140289993 | Floor Cleaning Machine - A floor cleaning machine has a housing and a movable hood that covers over vacuum and liquid hoses of the machine that are visible in prior art floor cleaning machines. The vacuum and liquid hoses are each pivotally connected to a wall of the machine housing and are also pivotally connected to a transparent dome provided on the hood. These connections reduce stresses on the hoses when the hood is moved and allow the dome to pivot relative to the hood. The floor cleaning machine also has a pair of slit orifices that eject fan spray patterns of cleaning liquid that are non-coplanar and do not intersect each other. Furthermore, the floor cleaning machine has an oscillating brush assembly that includes a brush that is replaceable without using tools. The brush height can be adjusted via an adjustment member provided on the oscillating portion of the assembly. | 10-02-2014 |
20140289994 | Floor Cleaning Machine - A floor cleaning machine has a housing and a movable hood that covers over vacuum and liquid hoses of the machine that are visible in prior art floor cleaning machines. The vacuum and liquid hoses are each pivotally connected to a wall of the machine housing and are also pivotally connected to a transparent dome provided on the hood. These connections reduce stresses on the hoses when the hood is moved and allow the dome to pivot relative to the hood. The floor cleaning machine also has a pair of slit orifices that eject fan spray patterns of cleaning liquid that are non-coplanar and do not intersect each other. Furthermore, the floor cleaning machine has an oscillating brush assembly that includes a brush that is replaceable without using tools. The brush height can be adjusted via an adjustment member provided on the oscillating portion of the assembly. | 10-02-2014 |
20140298609 | Floor Cleaning Machine - A floor cleaning machine has a housing and a movable hood that covers over vacuum and liquid hoses of the machine that are visible in prior art floor cleaning machines. The vacuum and liquid hoses are each pivotally connected to a wall of the machine housing and are also pivotally connected to a transparent dome provided on the hood. These connections reduce stresses on the hoses when the hood is moved and allow the dome to pivot relative to the hood. The floor cleaning machine also has a pair of slit orifices that eject fan spray patterns of cleaning liquid that are non-coplanar and do not intersect each other. Furthermore, the floor cleaning machine has an oscillating brush assembly that includes a brush that is replaceable without using tools. The brush height can be adjusted via an adjustment member provided on the oscillating portion of the assembly. | 10-09-2014 |
Patent application number | Description | Published |
20150245750 | Liquid Extraction Cleaning Device and Method - A liquid extraction cleaning device comprises a main unit, a liquid pump, a flexible hose, and a hand tool. The main unit comprises a vacuum pump. The hand tool comprises a vacuum inlet port, an agitator, a spray nozzle, and a grip portion. The vacuum inlet port of the hand tool is operatively connected to the vacuum pump via the hose passageway in a manner such that the vacuum pump is capable of drawing fluid through the vacuum inlet port and into the hose passageway. The spray nozzle is operatively connected to the liquid pump in a manner such that the liquid pump is capable of forcing liquid out of the spray nozzle. | 09-03-2015 |
20150245751 | Liquid Extraction Cleaning Device - A liquid extraction cleaning device comprises a vacuum pump, a liquid pump, a cleaning solution tank, a recovery tank, first and second spray nozzles, a spray selection switch, a vacuum inlet port, an agitator assembly, and a handle. The spray selection switch controls whether liquid is expelled from the second spray nozzle when liquid is expelled from the first spray nozzle. The agitator assembly comprises first and second agitators. The first agitator is configured to rotate. The second agitator is configured to reciprocate. The handle is pivotally connected to the rest of the liquid extraction cleaning device and is lockable in several pivotal orientations. The handle can also be pivoted forward from a rearwardly extending direction to an extent that it extends forward horizontally. | 09-03-2015 |
20150245752 | Liquid Extraction Cleaning Device - A liquid extraction cleaning device comprises a vacuum pump, a liquid pump, a cleaning solution tank, a recovery tank, first and second spray nozzles, a spray selection switch, a vacuum inlet port, an agitator assembly, and a handle. The spray selection switch controls whether liquid is expelled from the second spray nozzle when liquid is expelled from the first spray nozzle. The agitator assembly comprises first and second agitators. The first agitator is configured to rotate. The second agitator is configured to reciprocate. The handle is pivotally connected to the rest of the liquid extraction cleaning device and is lockable in several pivotal orientations. The handle can also be pivoted forward from a rearwardly extending direction to an extent that it extends forward horizontally. | 09-03-2015 |
20150245755 | Liquid Extraction Cleaning Device and Method - A liquid extraction cleaning device comprises a main unit, a liquid pump, a flexible hose, and a hand tool. The main unit comprises a vacuum pump. The hand tool comprises a vacuum inlet port, an agitator, a spray nozzle, and a grip portion. The vacuum inlet port of the hand tool is operatively connected to the vacuum pump via the hose passageway in a manner such that the vacuum pump is capable of drawing fluid through the vacuum inlet port and into the hose passageway. The spray nozzle is operatively connected to the liquid pump in a manner such that the liquid pump is capable of forcing liquid out of the spray nozzle. | 09-03-2015 |
20150245756 | Liquid Extraction Cleaning Device and Method - A liquid extraction cleaning device comprises a main unit, a liquid pump, a flexible hose, and a hand tool. The main unit comprises a vacuum pump. The hand tool comprises a vacuum inlet port, an agitator, a spray nozzle, and a grip portion. The vacuum inlet port of the hand tool is operatively connected to the vacuum pump via the hose passageway in a manner such that the vacuum pump is capable of drawing fluid through the vacuum inlet port and into the hose passageway. The spray nozzle is operatively connected to the liquid pump in a manner such that the liquid pump is capable of forcing liquid out of the spray nozzle. | 09-03-2015 |
20150245757 | Liquid Extraction Cleaning Device and Method - A liquid extraction cleaning device comprises a main unit, a liquid pump, a flexible hose, and a hand tool. The main unit comprises a vacuum pump. The hand tool comprises a vacuum inlet port, an agitator, a spray nozzle, and a grip portion. The vacuum inlet port of the hand tool is operatively connected to the vacuum pump via the hose passageway in a manner such that the vacuum pump is capable of drawing fluid through the vacuum inlet port and into the hose passageway. The spray nozzle is operatively connected to the liquid pump in a manner such that the liquid pump is capable of forcing liquid out of the spray nozzle. | 09-03-2015 |
20150245758 | Liquid Extraction Cleaning Device - A liquid extraction cleaning device comprises a vacuum pump, a liquid pump, a cleaning solution tank, a recovery tank, first and second spray nozzles, a spray selection switch, a vacuum inlet port, an agitator assembly, and a handle. The spray selection switch controls whether liquid is expelled from the second spray nozzle when liquid is expelled from the first spray nozzle. The agitator assembly comprises first and second agitators. The first agitator is configured to rotate. The second agitator is configured to reciprocate. The handle is pivotally connected to the rest of the liquid extraction cleaning device and is lockable in several pivotal orientations. The handle can also be pivoted forward from a rearwardly extending direction to an extent that it extends forward horizontally. | 09-03-2015 |