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1. 发明申请

US20070108268A1 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：US20070108268A1
公开(公告)日：2007-05-17
申请号：US11273874
申请日：2005-11-15
申请人： Phillip Graves , Dustin Young , Phil Chakiris , Karl Denzer
发明人： Phillip Graves , Dustin Young , Phil Chakiris , Karl Denzer
IPC分类号： G06K5/00 , 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。

2. 发明申请

US20070143177A1 Rebate card system 有权
标题翻译：回扣卡系统
公开(公告)号：US20070143177A1
公开(公告)日：2007-06-21
申请号：US11303258
申请日：2005-12-16
申请人： Phillip Graves , Phil Chakiris , Karl Denzer , Dustin Young
发明人： Phillip Graves , Phil 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。

3. 发明申请

US20080003977A1 Delivery of Value Identifiers Using Short Message Service (SMS) 有权
标题翻译：使用短消息服务（SMS）传递值标识符
公开(公告)号：US20080003977A1
公开(公告)日：2008-01-03
申请号：US11778698
申请日：2007-07-17
申请人： Phil Chakiris , Phillip Graves , John Guest , Leslie Lowin
发明人： Phil Chakiris , Phillip Graves , John Guest , Leslie Lowin
IPC分类号： H04M11/00
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。

4. 发明申请

US20070187492A1 System and Method For Authorizing Stored Value Card Transactions 有权
标题翻译：授权存储值卡交易的系统和方法
公开(公告)号：US20070187492A1
公开(公告)日：2007-08-16
申请号：US11691766
申请日：2007-03-27
申请人： Phillip Graves , Merrill Smith , Phil Chakiris
发明人： Phillip Graves , Merrill Smith , Phil Chakiris
IPC分类号： G06K5/00 , G06Q40/00
CPC分类号： G06Q20/28 , G06Q20/40 , G06Q30/0215
摘要： A computer-implemented method for processing a stored-value card transaction request in a card data management system is presented. The management system has a central processor in communication with one or more point-of-sale terminals over a communications network. Each terminal has a unique terminal identifier and is associated with a location and a prepaid card merchant. The central processor is in communication with a database having stored therein a plurality of card records. Each of these card records contains data associated with a stored-value card distributed to a prepaid card merchant for further distribution to purchasers at a location controlled by the prepaid card merchant. The transaction request comprises a requesting terminal identifier, a card identifier assigned to a stored value card, and information indicative of a requested transaction type. The method further comprises determining if the requesting terminal is authorized to request the requested transaction type for the stored value card.
摘要翻译：提出了一种用于在卡数据管理系统中处理存储卡交易请求的计算机实现的方法。管理系统具有通过通信网络与一个或多个销售点终端进行通信的中央处理器。每个终端具有唯一的终端标识符，并且与位置和预付卡商家相关联。中央处理器与其中存储有多个卡记录的数据库通信。这些卡片记录中的每一张都包含与分配给预付卡商家的储值卡相关联的数据，以便在由预付费卡商家控制的位置进一步分配给购买者。交易请求包括请求终端标识符，分配给存储卡的卡标识符和指示所请求的交易类型的信息。该方法还包括确定请求终端是否被授权请求存储值卡的所请求的交易类型。

5. 发明申请

US20060015402A1 Using multiple PINs for redemption through multiple distribution channels 审中-公开
标题翻译：通过多个分销渠道使用多个PIN进行兑换
公开(公告)号：US20060015402A1
公开(公告)日：2006-01-19
申请号：US11062249
申请日：2005-02-18
申请人： Phillip Graves , Phil Chakiris
发明人： Phillip Graves , Phil Chakiris
IPC分类号： G06Q99/00
CPC分类号： G06Q30/0603 , G06Q30/0207
摘要： In one exemplary embodiment, a system and method for enabling a customer to redeem a plurality of identifiers for at least one product associated therewith are provided. A database having stored therein the plurality of identifiers associated with the at least one product is established. The plurality of identifiers are collectively but not individually redeemable for the at least one product. A representation of each of the plurality of identifiers is distributed, each representation comprising information sufficient to identify only one of the plurality of identifiers. A plurality of redemption identifiers is received from a requestor. A request to redeem the plurality of redemption identifiers is received from the requester. A first authorization result is issued to the requestor in response to the request.
摘要翻译：在一个示例性实施例中，提供了一种用于使客户能够兑换与其相关联的至少一个产品的多个标识符的系统和方法。其中存储有与至少一个产品相关联的多个标识符的数据库被建立。多个标识符是共同的，但是对于至少一个产品不是单独地可兑换。分配多个标识符中的每一个的表示，每个表示包括足以识别多个标识符中的一个的信息。从请求者接收到多个兑换标识符。从请求者接收到兑换多个兑换标识符的请求。响应请求，向请求者发出第一个授权结果。

6. 发明申请

US20060231611A1 Radio frequency identification purchase transactions 审中-公开
公开(公告)号：US20060231611A1
公开(公告)日：2006-10-19
申请号：US11436321
申请日：2006-05-18
申请人： Phil Chakiris , Merrill Smith , Leslie Lowin
发明人： Phil Chakiris , Merrill Smith , Leslie Lowin
IPC分类号： G06K5/00 , G07F19/00
CPC分类号： G06Q20/28 , G06Q20/20 , G06Q20/32 , G06Q20/327 , G06Q20/3278 , G06Q20/341 , G06Q20/349 , G06Q20/354 , G06Q20/3558 , G07F7/1008 , H04M1/72552 , H04M15/06 , H04M15/43 , H04M15/68 , H04M17/00 , H04M17/10 , H04M17/20 , H04M2215/0196 , H04M2215/2026 , H04M2215/32 , H04W4/24
摘要： Methods and systems for using a Radio Frequency Identification (RFID) payment card are disclosed herein. The method generally comprises receiving an indicia identifying an RFID card, receiving a request to activate the RFID card, activating the RFID card by associating an initial value with a database record associated with the RFID card; receiving a PIN associated with the RFID card; receiving profile information; and associating the profile information with the database record. Systems for using RFID cards generally comprise an RFID card, an RFID account associated with the RFID card, a merchant communication module that receives indicia identifying the RFID card and sends a request to activate the RFID card, and a central processor or intermediary that receives a PIN associated with the RFID card and a request to activate the RFID card from the merchant communication module.

7. 发明申请

US20070063052A1 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：US20070063052A1
公开(公告)日：2007-03-22
申请号：US11232573
申请日：2005-09-22
申请人： Phil Chakiris , Chandilyn Smith , Brian Blasius
发明人： Phil Chakiris , Chandilyn Smith , Brian Blasius
IPC分类号： G06K7/00 , G06K5/00 , G06K19/00
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。

8. 发明申请

US20070063021A1 Activation number generation and association 有权
标题翻译：激活号码生成和关联
公开(公告)号：US20070063021A1
公开(公告)日：2007-03-22
申请号：US11444753
申请日：2006-05-31
申请人： Phil Chakiris , Chandilyn Smith , Brian Blasius
发明人： Phil Chakiris , Chandilyn Smith , Brian Blasius
IPC分类号： G06K5/00 , G06K7/00 , G06K19/00
CPC分类号： G07F7/02 , B42D15/045 , G06Q20/3437
摘要： The present invention is generally directed to methods of manufacturing data card assemblies. These methods generally comprise manufacturing or purchasing a data card comprising a special number, wherein the special number is associated with a particular data card account; packaging the data cards in a package such that the special number is visible; generating activation information; reading the special number on the data card; recording the activation information on the package; and associating the special number with the particular activation information recorded on the package. Some embodiments of the present invention may further comprise conveying the association between the activation information and the special number to an intermediary managing the data card accounts. Some embodiments of the present invention may further comprise generating a special number associated with a particular data card account; and generating activation information associated with a particular special number.
摘要翻译：本发明一般涉及制造数据卡组件的方法。这些方法通常包括制造或购买包括特殊号码的数据卡，其中特殊号码与特定数据卡帐户相关联; 将数据卡包装在包装中，使特殊号码可见; 生成激活信息; 读取数据卡上的特殊号码; 将激活信息记录在包装上; 并将特殊号码与记录在包装上的特定激活信息相关联。本发明的一些实施例还可以包括将激活信息和特殊号码之间的关联传送到管理数据卡帐户的中间件。本发明的一些实施例还可以包括生成与特定数据卡帐户相关联的特殊号码; 以及生成与特定特定数字相关联的激活信息。

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