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    • 8. 发明申请
    • METHOD AND SYSTEM FOR ACCOUNT HOLDERS TO MAKE, TRACK AND CONTROL VIRTUAL CREDIT CARD NUMBERS USING AN ELECTRONIC DEVICE
    • 帐户持有人使用电子设备制作,跟踪和控制虚拟信用卡号码的方法和系统
    • US20130103560A1
    • 2013-04-25
    • US13714653
    • 2012-12-14
    • Keith J. StoneDavid R. DisqueAndrew DunahayJason Kolbenheyer
    • Keith J. StoneDavid R. DisqueAndrew DunahayJason Kolbenheyer
    • G06Q40/02
    • A method and system that allows an account holder to create secure single and multi-use virtual credit account numbers from electronic devices, such as smart phones, tablets, computers and so forth. In addition, the method and system allows non-editable virtual credit card images to be created in another name from an administrator's account, which is perfect for employer/employee card creation, and electronically transmitted to an intended recipient. Secure virtual credit account numbers may be sent via email as a card image or SMS text message. An account holder or appointed administrator may establish restrictions on usage of a recipient's virtual credit card. The method and system also includes a pay system for processing batch payments for vendors by uploading payment files and issuing virtual credit cards to vendors with outstanding invoices.
    • 一种方法和系统,允许帐户持有人从电子设备(如智能手机,平板电脑,计算机等)创建安全的单一和多用途虚拟信用帐号。 此外,该方法和系统允许以管理员帐户的另一名称创建不可编辑的虚拟信用卡图像,这对于雇主/雇员卡的创建是完美的,并以电子方式传送给预期的接收者。 安全的虚拟信用帐号可以通过电子邮件作为卡片图像或短信发送。 帐户持有人或指定的管理员可以对收件人的虚拟信用卡的使用设置限制。 该方法和系统还包括一个付费系统,用于通过上传付款文件和向具有未付发票的供应商发行虚拟信用卡来处理供应商的批量付款。