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 |
20090090783 | DUAL USE PAYMENT DEVICE - A mobile device includes an antenna and at least one control device coupled to the antenna. The at least one control device is selectively operable in a first mode and in a second mode. In the first mode, the at least one control device transmits a payment card account number via the antenna to a point of sale terminal. In the second mode, the at least one control device transmits a message to the point of sale terminal via the antenna to request that the point of sale terminal download transaction information to the mobile device. | 04-09-2009 |
20090094123 | PAYMENT SERVICES PROVIDER METHODS IN CONNECTION WITH PERSONALIZED PAYMENTS SYSTEM - A method includes receiving transaction information from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes receiving, from a mobile device, a request that a funds transfer be made from a payment card account that belongs to a customer who is operating the mobile device to a payment card account that belongs to the merchant. The method also includes forwarding the request to a financial institution that issued the payment card account that belongs to the customer. | 04-09-2009 |
20090094125 | SYSTEM FOR PERSONALIZED PAYMENTS VIA MOBILE DEVICES - A method includes receiving transaction information at a mobile device from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes generating a funds transfer request in the mobile device. The funds transfer request includes the merchant information, information that indicates the transaction amount and information that identifies a customer of the merchant. The funds transfer request is for requesting that funds be transferred from a payment card account that belongs to the customer to a payment card account that belongs to the merchant. The method also includes transmitting, from the mobile device, the funds transfer request, to a financial institution that issued the customer's payment card account. | 04-09-2009 |
20090094126 | DUAL USE POINT OF SALE TERMINAL AND METHODS OF OPERATING SAME - A method of operating a point of sale (POS) terminal includes inputting into the POS terminal information for defining a transaction. The method further includes selecting between a first mode of operation of the POS terminal and a second mode of operation of the POS terminal. In the first mode of operation the POS terminal initiates a payment card authorization request to an acquirer financial institution. In the second mode of operation the POS terminal transmits transaction information to a customer's mobile device. | 04-09-2009 |
20090266884 | DUAL USE PAYMENT DEVICE - A mobile device includes an antenna and at least one control device coupled to the antenna. The at least one control device is selectively operable in a first mode and in a second mode. In the first mode, the at least one control device transmits a payment card account number via the antenna to a point of sale terminal. In the second mode, the at least one control device transmits a message to the point of sale terminal via the antenna to request that the point of sale terminal download transaction information to the mobile device. | 10-29-2009 |
20100131397 | PROVIDING "ON BEHALF OF" SERVICES FOR MOBILE TELEPHONE ACCESS TO PAYMENT CARD ACCOUNT - A method includes receiving from an acquiring financial institution (FI) a request to translate a customer identifier into a primary account number (PAN). The method further includes determining whether the customer identifier is valid, and (if the customer identifier is determined to be valid) issuing a challenge to a mobile telephone operated by a customer identified by the customer identifier. The method also includes receiving a mobile personal identification number (PIN) from the customer, determining whether the mobile PIN is valid, and (if the received mobile PIN is determined to be valid) generating a security code. The method further includes transmitting, to the acquiring FI, the security code and the PAN that corresponds to the customer identifier. | 05-27-2010 |
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 |
20120011063 | VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING - Methods and apparatus for operating a virtual wallet system are described. In an embodiment, the process includes receiving, at a virtual wallet server, a virtual wallet account number and payment transaction details that includes a payment amount, and then mapping the virtual wallet account number to at least one funding account associated with a consumer. The method also includes validating the consumer and the payment transaction details, generating a standard purchase authorization request message and routing it to an issuer of the at least one funding account, and receiving an authorization response approving the payment transaction. The process further includes loading the consumer's virtual wallet account in real time to match the payment amount, and routing an authorization approval message to an originating acquirer. Such a virtual wallet system with automatic-loading capabilities substantially improves the operation of decoupled debit payment account schemes. In addition, the use of a virtual wallet account assigned to a consumer by virtue of a virtual wallet account number (which can be described as a pseudo-primary account number (pseudo-PAN)) allows the consumer to fund payments for multiple PSP accounts from a single funding account while simultaneously protecting personal data and protecting against identity theft. | 01-12-2012 |
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 |
20120016799 | MONEY TRANSFER SYSTEM GATEWAY SERVICE - A method includes receiving, in a computer, a transaction request from a payment services provider. An end user identifier included in the request is mapped into a payment card system account number. The end user identifier identifies an end user who has been assigned the payment card system account, and who is a subscriber to a closed-loop payment system operated by the payment services provider. Funds from the payment services provider are credited to a shadow open-loop system payment card account identified by the payment card system account number. An authorization request for an open-loop system transaction is sent to an acquirer financial institution that represents a merchant with which the end user is dealing, and is received back from a payment card system authorization system by the same computer that received the transaction request from the payment services provider and that generated the authorization request. | 01-19-2012 |
20120123940 | METHODS AND SYSTEMS FOR UNIVERSAL PAYMENT ACCOUNT TRANSLATION - A method and system of transferring value from a payer participant of a first online community website to a payee participant of a second online community website through a payment account translation system is provided. The method includes initiating a first payment request, validating that the payer and payee are registered participants of the online community, translating the payer alias into a payer pseudo-account number using business rules and community participant profiles associated with the community website from which the payment request is made, and mapping the payer pseudo-account number to a respective funding/repository account primary account number (PAN). The method further includes transmitting the PANs and a validation code to a payments network for processing through the payments network and approving the transfer of value from the payer to the payee such that the PAN of the payer is unknown to the community website. | 05-17-2012 |
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 |
20130018793 | METHODS AND SYSTEMS FOR PAYMENTS ASSURANCE - Payments assurance methods and systems are described. In some embodiments, a Proxy Service Manager Server computer receives a consumer authentication request from a merchant device, and transmits that request to an Authentication Service Manager Server computer. The Proxy Service Manager Server computer then receives a non-repudiable accountholder authentication value (“AAV”) token, generates a payment authorization request that includes the AAV token, and transmits the payment authorization request to an Acquirer financial institution (FI) Server computer. The Proxy Service Manager Server computer is then operable to receive a payment authorization message, and to transmit the payment authorization message to the merchant device to enable a merchant to complete a purchase transaction with a consumer. | 01-17-2013 |
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 |
20130173407 | DUAL USE POINT OF SALE TERMINAL AND METHODS OF OPERATING SAME - A method of operating a merchant device includes the merchant device receiving an input from a customer mobile device concerning a financial transaction. The method further includes the merchant device selecting a payment transaction mode of operation when the input is a request for a payment card system transaction, or selecting a payment card purchase transaction mode of operation when the input from the customer mobile device is a payment card account number. In the payment transaction mode of operation the merchant device provides transaction data to the customer's mobile device, whereas in the payment card purchase transaction mode the merchant device transmits a payment card authorization request to an acquirer financial institution. | 07-04-2013 |
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 |
20140032381 | PAYMENT SERVICES PROVIDER METHODS IN CONNECTION WITH PERSONALIZED PAYMENTS SYSTEM - A method includes a processor receiving transaction information from a merchant device, which includes a transaction amount, merchant identifying information and customer addressing information. The processer transmits the merchant identifying information to a customer mobile device, and receives a payment transaction request to transfer funds from a customer account to a merchant. The processor translates the customer addressing information into a customer payment card account number, and the merchant identifying information into a merchant payment card account number. The processor then transmits the payment transaction request to the customer's issuer financial institution, which request includes the customer payment card account number, the transaction amount, and the merchant payment card account number. | 01-30-2014 |