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1. 发明申请

US20080172331A1 Bill Payment Card Method and System 审中-公开
标题翻译：帐单支付卡方法和系统
公开(公告)号：US20080172331A1
公开(公告)日：2008-07-17
申请号：US11672082
申请日：2007-02-07
申请人： Phillip C. Graves , Phil M. Chakiris , Dustin Young , Karl Denzer
发明人： Phillip C. Graves , Phil M. Chakiris , Dustin Young , Karl Denzer
IPC分类号： G06Q20/00
CPC分类号： G06Q20/02 , G06Q20/06 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/14 , G06Q20/20 , G06Q20/347 , G06Q20/351
摘要： The invention is directed to a system and method for managing a payment system. The method generally comprises activating a payment card, associating a value with the payment card, associating at least one third party with the bill payment card, receiving a request from a bill payment card user to transfer at least some of the value to a selected third party, the request comprising receiving an identifier associated with the payment card and receiving an indication of an amount of value to transfer, and transferring at least some of the value to the selected third party. Systems of the invention may generally comprise one or more payment cards, a database storing a plurality of records comprising information related to the payment card; one or more communication devices; and a processor in communication with the database and in selective communication with the communication device.
摘要翻译：本发明涉及用于管理支付系统的系统和方法。该方法通常包括激活支付卡，将价值与支付卡相关联，将至少一个第三方与票据支付卡相关联，从账单支付卡用户接收请求以将该值中的至少一部分转移到所选择的第三个所述请求包括接收与所述支付卡相关联的标识符并且接收要传送的价值量的指示，以及将所述值中的至少一些转移给所选择的第三方。本发明的系统通常可以包括一个或多个支付卡，存储多个记录的数据库，包括与支付卡相关的信息; 一个或多个通信设备; 以及与数据库通信并与通信设备选择性通信的处理器。

2. 发明授权

US08190472B2 Multiple use rebate card 有权
标题翻译：多使用回扣卡
公开(公告)号：US08190472B2
公开(公告)日：2012-05-29
申请号：US11478983
申请日：2006-06-30
申请人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
发明人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/10 , G06Q30/02 , G06Q30/0207 , G06Q30/0219 , G06Q30/0229 , G06Q30/0234 , G06Q30/0238
摘要： Methods for using a rebate card and preventing the retention of rebate value when the product that prompted the rebate is returned are disclosed. Methods for using the rebate card may be limited for use at a particular retailer and/or for a particular manufacturer's goods or services. Methods for preventing the improper retention of rebate value may comprise: determining the amount the customer paid for the product; determining if a rebate value was provided for the product being returned; deducting the amount of the rebate from the amount the customer paid for the product; and providing the remaining amount the customer paid for the product being returned to the customer. In some embodiments of the present invention, the amount of the rebate value that was provided based on the purchase of the product being returned may be deducted from the customer's rebate account. Additionally, rebate cards may be RFID enabled.
摘要翻译：公开了使用回扣卡并且在返回提示退税的产品时防止保留回扣价值的方法。使用折扣卡的方法可能会限制在特定零售商和/或特定制造商的商品或服务中使用。防止回扣价值不正确保留的方法可以包括：确定客户为产品支付的金额; 确定是否为要退回的产品提供了回扣价值; 从客户支付的产品金额中扣除回扣金额; 并提供客户为退回给客户的产品支付的剩余金额。在本发明的一些实施例中，可以从客户的回扣帐户中扣除根据购买被退回产品而提供的回扣价值。此外，回扣卡可能会启用RFID。

3. 发明申请

US20100042540A1 Bill Payment Card Method and System 审中-公开
标题翻译：帐单支付卡方法和系统
公开(公告)号：US20100042540A1
公开(公告)日：2010-02-18
申请号：US12564474
申请日：2009-09-22
申请人： Phillip C. Graves , Phil M. Chakiris , Dustin Young , Karl Denzer
发明人： Phillip C. Graves , Phil M. Chakiris , Dustin Young , Karl Denzer
IPC分类号： G06Q20/00 , G06F17/00 , G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/06 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/14 , G06Q20/20 , G06Q20/347 , G06Q20/351
摘要： The invention is directed to a system and method for managing a payment system. The method generally comprises activating a payment card, associating a value with the payment card, associating at least one third party with the bill payment card, receiving a request from a bill payment card user to transfer at least some of the value to a selected third party, the request comprising receiving an identifier associated with the payment card and receiving an indication of an amount of value to transfer, and transferring at least some of the value to the selected third party. Systems of the invention may generally comprise one or more payment cards, a database storing a plurality of records comprising information related to the payment card; one or more communication devices; and a processor in communication with the database and in selective communication with the communication device.
摘要翻译：本发明涉及用于管理支付系统的系统和方法。该方法通常包括激活支付卡，将价值与支付卡相关联，将至少一个第三方与票据支付卡相关联，从账单支付卡用户接收请求以将该值中的至少一部分转移到所选择的第三个所述请求包括接收与所述支付卡相关联的标识符并且接收要传送的价值量的指示，以及将所述值中的至少一些转移给所选择的第三方。本发明的系统通常可以包括一个或多个支付卡，存储多个记录的数据库，包括与支付卡相关的信息; 一个或多个通信设备; 以及与数据库通信并与通信设备选择性通信的处理器。

4. 发明申请

US20070143180A1 Multiple use rebate card 有权
标题翻译：多使用回扣卡
公开(公告)号：US20070143180A1
公开(公告)日：2007-06-21
申请号：US11478983
申请日：2006-06-30
申请人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
发明人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/10 , G06Q30/02 , G06Q30/0207 , G06Q30/0219 , G06Q30/0229 , G06Q30/0234 , G06Q30/0238
摘要： Methods for using a rebate card and preventing the retention of rebate value when the product that prompted the rebate is returned are disclosed. Methods for using the rebate card may be limited for use at a particular retailer and/or for a particular manufacturer's goods or services. Methods for preventing the improper retention of rebate value may comprise: determining the amount the customer paid for the product; determining if a rebate value was provided for the product being returned; deducting the amount of the rebate from the amount the customer paid for the product; and providing the remaining amount the customer paid for the product being returned to the customer. In some embodiments of the present invention, the amount of the rebate value that was provided based on the purchase of the product being returned may be deducted from the customer's rebate account. Additionally, rebate cards may be RFID enabled.
摘要翻译：公开了使用回扣卡并且在返回提示退税的产品时防止保留回扣价值的方法。使用折扣卡的方法可能会限制在特定零售商和/或特定制造商的商品或服务中使用。防止回扣价值不正确保留的方法可以包括：确定客户为产品支付的金额; 确定是否为要退回的产品提供了回扣价值; 从客户支付的产品金额中扣除回扣金额; 并提供客户为退回给客户的产品支付的剩余金额。在本发明的一些实施例中，可以从客户的回扣帐户中扣除根据购买被退回产品而提供的回扣价值。此外，回扣卡可能会启用RFID。

5. 发明授权

US08190471B2 Rebate card system 有权
标题翻译：回扣卡系统
公开(公告)号：US08190471B2
公开(公告)日：2012-05-29
申请号：US11303258
申请日：2005-12-16
申请人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
发明人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/10 , G06Q30/0207 , G06Q30/0213 , G06Q30/0229 , G06Q30/0234 , G06Q30/0238
摘要： A method and system for using a rebate card are disclosed. The method may comprise initiating a purchase transaction for one or more products at a point of sale, determining whether the purchase transaction qualifies for a rebate, determining a rebate value based on the purchase transaction and the rebate, activating a rebate value in a rebate card account associated with a rebate card based on the determining action, and delivering the rebate card to a customer of the one or more products during the purchase transaction.
摘要翻译：公开了一种使用回扣卡的方法和系统。该方法可以包括在销售点启动一个或多个产品的购买交易，确定购买交易是否符合退税，基于购买交易确定回扣价值和返利，激活回扣卡中的回扣价值基于确定动作与回扣卡相关联的账户，以及在购买交易期间将回扣卡递送给一个或多个产品的客户。

6. 发明申请

US20100299196A1 Rebate card system 有权
标题翻译：回扣卡系统
公开(公告)号：US20100299196A1
公开(公告)日：2010-11-25
申请号：US12804714
申请日：2010-07-28
申请人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
发明人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/10 , G06Q30/0207 , G06Q30/0213 , G06Q30/0229 , G06Q30/0234 , G06Q30/0238
摘要： A method and system for using a rebate card are disclosed. The method may comprise initiating a purchase transaction for one or more products at a point of sale, determining whether the purchase transaction qualifies for a rebate, determining a rebate value based on the purchase transaction and the rebate, activating a rebate value in a rebate card account associated with a rebate card based on the determining action, and delivering the rebate card to a customer of the one or more products during the purchase transaction.
摘要翻译：公开了一种使用回扣卡的方法和系统。该方法可以包括在销售点启动一个或多个产品的购买交易，确定购买交易是否符合退税，基于购买交易确定回扣价值和返利，激活回扣卡中的回扣价值基于确定动作与回扣卡相关联的账户，以及在购买交易期间将回扣卡递送给一个或多个产品的客户。

7. 发明授权

US07575152B2 Temporary value card method and system 有权
标题翻译：临时值卡方式和系统
公开(公告)号：US07575152B2
公开(公告)日：2009-08-18
申请号：US11273874
申请日：2005-11-15
申请人： Phillip C. Graves , Dustin Young , Phil M. Chakiris , Karl Denzer
发明人： Phillip C. Graves , Dustin Young , Phil M. Chakiris , Karl Denzer
IPC分类号： G06F17/00 , G06K15/00 , G06K5/00 , G06K19/00 , G06Q40/00
CPC分类号： G06Q20/3433 , G06Q20/102 , G06Q20/105 , G06Q20/343 , G06Q30/06 , G07F7/02
摘要： A method for using a temporary value card is provided. A first value is determined base upon a selection of goods or services from a provider. The temporary value card is sold at a POS. The first value is associated with the temporary value card.
摘要翻译：提供了一种使用临时值卡的方法。第一个值是根据提供者选择的商品或服务确定的。临时价值卡在POS上出售。第一个值与临时值卡相关联。

8. 发明授权

US08407088B2 Rebate card system 有权
标题翻译：回扣卡系统
公开(公告)号：US08407088B2
公开(公告)日：2013-03-26
申请号：US12804714
申请日：2010-07-28
申请人： Phillip Craig Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
发明人： Phillip Craig Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/10 , G06Q30/0207 , G06Q30/0213 , G06Q30/0229 , G06Q30/0234 , G06Q30/0238
摘要： A method and system for using a rebate card are disclosed. The method may comprise initiating a purchase transaction for one or more products at a point of sale, determining whether the purchase transaction qualifies for a rebate, determining a rebate value based on the purchase transaction and the rebate, activating a rebate value in a rebate card account associated with a rebate card based on the determining action, and delivering the rebate card to a customer of the one or more products during the purchase transaction.
摘要翻译：公开了一种使用回扣卡的方法和系统。该方法可以包括在销售点启动一个或多个产品的购买交易，确定购买交易是否符合退税，基于购买交易确定回扣价值和返利，激活回扣卡中的回扣价值基于确定动作与回扣卡相关联的账户，以及在购买交易期间将回扣卡递送给一个或多个产品的客户。

9. 发明授权

US07537152B2 Delivery of value identifiers using short message service (SMS) 有权
标题翻译：使用短消息服务（SMS）传递价值标识符
公开(公告)号：US07537152B2
公开(公告)日：2009-05-26
申请号：US11778698
申请日：2007-07-17
申请人： Phil M. Chakiris , Phillip C. Graves , John David Guest , Leslie George Lowin
发明人： Phil M. Chakiris , Phillip C. Graves , John David Guest , Leslie George Lowin
IPC分类号： G06F17/00
CPC分类号： G06Q20/10 , G06Q20/32 , G06Q20/322 , G06Q20/3255
摘要： The present invention discloses systems and methods for managing the transfer of value to a third party using short messaging Services (SMS) communications. Methods for using SMS to transfer value to a third party comprises providing the payment card to a user; activating the payment card; initiating a transaction associated with the payment card; receiving via SMS communications an identifier associated with the payment card; associating value with the payment card; determining an amount of value associated with the payment card; providing an indication of the amount of value associated with the bill payment card to the payment card user via SMS communications; associating at least one third party with the payment card; selecting a third party to be associated with the transaction; receiving from the user an amount of value to transfer to the third party; transferring to the third party the amount of value; and terminating the transaction.
摘要翻译：本发明公开了使用短消息服务（SMS）通信来管理向第三方转移价值的系统和方法。使用SMS将价值转移给第三方的方法包括向用户提供支付卡; 激活支付卡; 发起与支付卡相关联的交易; 通过SMS通信接收与所述支付卡相关联的标识符; 将价值与支付卡相关联; 确定与所述支付卡相关联的价值的数量; 通过SMS通信向支付卡用户提供与账单支付卡相关联的价值量的指示; 将至少一个第三方与支付卡相关联; 选择与交易相关联的第三方; 从用户那里收到转移给第三方的价值; 向第三方转让价值; 并终止交易。

10. 发明授权

US08256682B2 Foldable data card assembly and method 有权
标题翻译：可折叠数据卡组合和方法
公开(公告)号：US08256682B2
公开(公告)日：2012-09-04
申请号：US11232573
申请日：2005-09-22
申请人： Phil M. Chakiris , Chandilyn Smith , Brian Blasius
发明人： Phil M. Chakiris , Chandilyn Smith , Brian Blasius
IPC分类号： G06K7/00
CPC分类号： B42D15/045 , G06Q20/348 , G06Q20/354 , G06Q20/357 , G07F7/02
摘要： A foldable data card assembly and method are disclosed. The foldable data card assembly comprises a base assembly with a left portion, a middle portion, and a right potion. The left portion or the middle portion contains an aperture. A data card is enclosed within the base assembly such that the aperture is aligned with a special number on the data card. A security barrier is placed adjacent to the personal account number on the data card, but the security barrier is not placed between the aperture and the special number on the card. During manufacture, the special number is read from the card through the aperture, and the special number used to generate activation information which is printed on the package. The activation information is read at the point of sale, and used to activate the account associated with the activation information.
摘要翻译：公开了可折叠数据卡组件和方法。可折叠数据卡组件包括具有左部分，中间部分和右部分的基部组件。左部分或中间部分包含孔。数据卡封装在基座组件内，使得孔径与数据卡上的特殊编号对齐。安全屏障靠近数据卡上的个人帐号放置，但安全屏障不放置在光圈和卡上的特殊号码之间。在制造过程中，通过孔径从卡片读取特殊号码，以及用于生成打印在包装上的激活信息的特殊号码。在销售点读取激活信息，并用于激活与激活信息相关联的帐户。

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