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    • 46. 发明申请
    • SYSTEM AND COMPUTER PROGRAM PRODUCT TO ISSUE A RETAIL PREPAID CARD INCLUDING A USER-DESIGNED EXTERNAL FACE USING A CHIT AND RELATED COMPUTER IMPLEMENTED METHODS
    • 系统和计算机程序产品发布零售预付卡,其中包括用户设计的外部表面和相关计算机实现的方法
    • US20120271733A1
    • 2012-10-25
    • US13536765
    • 2012-06-28
    • Jason Brooks
    • Jason Brooks
    • G06Q30/06
    • G06Q20/355G06Q20/105G06Q20/28G06Q20/3415G06Q20/342G06Q20/354G06Q30/02G07F7/1008
    • Embodiments of systems, computer program product, and related computer implemented methods to issue a closed-loop retail prepaid card including a user-designed external face using a chit, the chit being defined by an identification mechanism representing a financial commitment to issue a closed-loop retail prepaid card in an amount associated with a value paid for the chit, are provided. Embodiments of the present invention advantageously provide a service that enables a consumer to purchase, at the storefront of a retail establishment, a chit card that the consumer can subsequently redeem through a graphical user interface of an Internet website for a closed-loop retail prepaid card with a user-designed external face. The user-designed closed-loop retail prepaid card, for example, can be subsequently printed and delivered to an intended recipient. Advantageously, such a service can be made available to any retail establishment that uses a point-of-sale system.
    • 系统,计算机程序产品和相关计算机实现的方法来发布包含用户设计的外部面孔的闭环零售预付卡,所述闭合零售预付费卡通过识别机制来定义,所述识别机制表示财务承诺, 提供了与支付的价值相关的金额的循环零售预付卡。 本发明的实施例有利地提供一种服务,其使得消费者能够在零售店的店面处购买消费者随后可以通过因特网网站的图形用户界面兑换用于闭环零售预付卡的小卡 具有用户设计的外观面。 例如,用户设计的闭环零售预付卡可以随后打印并传送给预定的接收者。 有利地,这样的服务可以用于使用销售点系统的任何零售店。
    • 50. 发明申请
    • System, Program Product and Methods For Retail Activation And Reload Associated With Partial Authorization Transactions
    • 零售激活和部分授权交易重新加载的系统,程序产品和方法
    • US20100051691A1
    • 2010-03-04
    • US12554432
    • 2009-09-04
    • Jason BrooksMike Wells
    • Jason BrooksMike Wells
    • G06K5/00G06K19/06
    • G06Q20/40G06Q20/20G06Q30/06G07F7/0813G07F7/082G07F7/086
    • Systems, program product, apparatus and method for transmitting and processing the sale of a transaction card product over an existing payment network using partial authorization messaging, are provided. An example of such a system can include a merchant POS apparatus equipped to support partial authorization messaging, a transaction card issuer server in communication therewith, and a transaction card product. The transaction card product can include a conventional transaction card securely wrapped within a tamper evident container that can carry its own magnetic strip. The container magnetic strip can store an assigned unique card identifier linked to, but different from, the card identifier normally associated with the card. The container card identifier stored in the container magnetic strip is compatible with the merchant POS card reader and is usable to activate the card without the merchant or consumer having access to the card, the card identifier, or the card magnetic strip.
    • 提供了使用部分授权消息传送通过现有支付网络发送和处理交易卡产品的销售的系统,程序产品,装置和方法。 这种系统的一个例子可以包括配备来支持部分授权消息的商业POS设备,与其通信的交易卡发行者服务器和交易卡产品。 交易卡产品可以包括牢固地包裹在可以承载其自身磁条的显窃启容器内的常规交易卡。 容器磁条可以存储与通常与卡相关联的卡标识符链接到但不同于所指定的唯一卡标识符。 存储在容器磁条中的容器卡标识符与商家POS卡读卡器兼容,并且可以在没有商家或消费者访问卡,卡标识符或卡磁条的情况下激活卡。