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11. 发明授权

US07624921B1 Systems, methods and devices for selling transaction instruments 有权
公开(公告)号：US07624921B1
公开(公告)日：2009-12-01
申请号：US11844766
申请日：2007-08-24
申请人： Randy Beck , Gennye Feldman , Rachel Riley Heitz , John Steven Imada , Paula S Martinez , Sven Miller , Clyde Page , Steven J Keiser
发明人： Randy Beck , Gennye Feldman , Rachel Riley Heitz , John Steven Imada , Paula S Martinez , Sven Miller , Clyde Page , Steven J Keiser
IPC分类号： G06K5/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/28 , G06Q20/40 , G06Q40/02
摘要： The present invention generally relates to a system and method for distributing an open transaction instrument. The system includes the steps of: accessibly offering for sale, in a retail environment, the open transaction instrument; selling a selected open transaction instrument; and enabling the use of the open transaction instrument. The transaction instrument may be, for example, an open pre-paid card. Furthermore, accessibly offering the open pre-paid card for sale, in one exemplary embodiment, is performed by hanging the pre-paid card on a rack. The distribution of the open transaction instrument may also comprise the step of sending a message, in substantially real time, causing the pre-paid open transaction instrument to be funded but not activated. Also, in accordance with further exemplary embodiments of the present invention, an issuer system is suitably configured to leverage existing infrastructure for inventory and related processes.

12. 发明授权

US07611051B1 Systems, methods and devices for selling transaction instruments 有权
标题翻译：销售交易工具的系统，方法和设备
公开(公告)号：US07611051B1
公开(公告)日：2009-11-03
申请号：US11844734
申请日：2007-08-24
申请人： Randy Beck , Gennye Feldman , Rachel Riley Heitz , John Steven Imada , Paula S Martinez , Sven Miller , Clyde Page , Steven J Keiser
发明人： Randy Beck , Gennye Feldman , Rachel Riley Heitz , John Steven Imada , Paula S Martinez , Sven Miller , Clyde Page , Steven J Keiser
IPC分类号： G06K5/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/28 , G06Q20/40 , G06Q40/02
摘要： The present invention generally relates to a system and method for distributing an open transaction instrument. The system includes the steps of: accessibly offering for sale, in a retail environment, the open transaction instrument; selling a selected open transaction instrument; and enabling the use of the open transaction instrument. The transaction instrument may be, for example, an open pre-paid card. Furthermore, accessibly offering the open pre-paid card for sale, in one exemplary embodiment, is performed by hanging the pre-paid card on a rack. The distribution of the open transaction instrument may also comprise the step of sending a message, in substantially real time, causing the pre-paid open transaction instrument to be funded but not activated. Also, in accordance with further exemplary embodiments of the present invention, an issuer system is suitably configured to leverage existing infrastructure for inventory and related processes.
摘要翻译：本发明一般涉及用于分发开放式交易工具的系统和方法。该系统包括以下步骤：在零售环境中可供出售开放交易工具; 出售选定的开放交易工具; 并使用开放式交易工具。交易工具可以是例如开放的预付卡。此外，在一个示例性实施例中，通过将预付卡挂在机架上来执行可开放的预付卡待售。开放交易工具的分配还可以包括基本上实时地发送消息的步骤，导致预先支付的开放交易工具被资助但未被激活。此外，根据本发明的另外的示例性实施例，发行者系统被适当地配置为利用现有基础设施用于库存和相关过程。

13. 发明申请

US20050199705A1 SYSTEMS, METHODS, AND DEVICES FOR SELLING TRANSACTION INSTRUMENTS 有权
标题翻译：用于销售交易仪器的系统，方法和设备
公开(公告)号：US20050199705A1
公开(公告)日：2005-09-15
申请号：US10905663
申请日：2005-01-14
申请人： Randy Beck , Gennye Feldman , Rachel Heitz , Jon Imada , Paula Martinez , Sven Miller , Clyde Page
发明人： Randy Beck , Gennye Feldman , Rachel Heitz , Jon Imada , Paula Martinez , Sven Miller , Clyde Page
IPC分类号： G06K5/00 , G06F17/60
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/28 , G06Q20/40 , G06Q40/02
摘要： The present invention generally relates to a system and method for distributing an open transaction instrument. The system includes the steps of: accessibly offering for sale, in a retail environment, the open transaction instrument; selling a selected open transaction instrument; and enabling the use of the open transaction instrument. The transaction instrument may be, for example, an open pre-paid card. Furthermore, accessibly offering the open pre-paid card for sale, in one exemplary embodiment, is performed by hanging the pre-paid card on a rack. The distribution of the open transaction instrument may also comprise the step of sending a message, in substantially real time, causing the pre-paid open transaction instrument to be funded but not activated. Also, in accordance with further exemplary embodiments of the present invention, an issuer system is suitably configured to leverage existing infrastructure for inventory and related processes.
摘要翻译：本发明一般涉及用于分发开放式交易工具的系统和方法。该系统包括以下步骤：在零售环境中可供出售开放交易工具; 出售选定的开放交易工具; 并使用开放式交易工具。交易工具可以是例如开放的预付卡。此外，在一个示例性实施例中，通过将预付卡挂在机架上来执行可开放的预付卡出售。开放交易工具的分配还可以包括基本上实时地发送消息的步骤，导致预先支付的开放交易工具被资助但未被激活。此外，根据本发明的另外的示例性实施例，发行者系统被适当地配置为利用现有基础设施用于库存和相关过程。

14. 发明申请

US20090327087A1 SYSTEMS, METHODS, AND DEVICES FOR SELLING TRANSACTION INSTRUMENTS VIA WEB-BASED TOOL 有权
标题翻译：用于通过网络工具出售交易文书的系统，方法和设备
公开(公告)号：US20090327087A1
公开(公告)日：2009-12-31
申请号：US12118573
申请日：2008-05-09
申请人： Randy Beck , Gennye Hannover Feldman , Elizabeth Anne Holt , Sven Miller , Clyde Page , Marc Rubner , John R. Rose , Nicole Milne Vollmer
发明人： Randy Beck , Gennye Hannover Feldman , Elizabeth Anne Holt , Sven Miller , Clyde Page , Marc Rubner , John R. Rose , Nicole Milne Vollmer
IPC分类号： G06Q40/00 , G06K5/00
CPC分类号： G06Q40/02 , G06Q20/105 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/341 , G06Q20/355 , G06Q30/02 , G06Q30/0603 , G06Q40/00 , G06Q40/025 , G07F7/1008
摘要： The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.
摘要翻译：本发明一般涉及用于分发交易工具的系统和方法。该系统包括以下步骤：在零售环境中出售交易工具; 出售选定的交易工具; 通过互联网访问网站与交易工具的发行人进行交流，并使交易工具能够使用。交易工具可以是例如开放的预付卡。交易工具的分发还可以包括基本上实时地通过网站发送消息的步骤，导致预先付费的交易工具被资助但不被激活，直到稍后通过交互式语音应答系统，例如。在另一示例中，相关联的交易账户可以在分发时被资助并被激活。此外，发行者系统可以被适当地配置为利用现有的旅行者检查基础设施来进行库存和相关过程。

15. 发明申请

US20080015991A1 SYSTEMS, METHODS AND DEVICES FOR SELLING TRANSACTION INSTRUMENTS 有权
标题翻译：用于出售交易仪器的系统，方法和设备
公开(公告)号：US20080015991A1
公开(公告)日：2008-01-17
申请号：US11844702
申请日：2007-08-24
申请人： Randy Beck , Gennye Feldman , Rachel Heitz , Jon Imada , Paula Martinez , Sven Miller , Clyde Page , Steven Keiser
发明人： Randy Beck , Gennye Feldman , Rachel Heitz , Jon Imada , Paula Martinez , Sven Miller , Clyde Page , Steven Keiser
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/28 , G06Q20/40 , G06Q40/02
摘要： The present invention generally relates to a system and method for distributing an open transaction instrument. The system includes the steps of: accessibly offering for sale, in a retail environment, the open transaction instrument; selling a selected open transaction instrument; and enabling the use of the open transaction instrument. The transaction instrument may be, for example, an open pre-paid card. Furthermore, accessibly offering the open pre-paid card for sale, in one exemplary embodiment, is performed by hanging the pre-paid card on a rack. The distribution of the open transaction instrument may also comprise the step of sending a message, in substantially real time, causing the pre-paid open transaction instrument to be funded but not activated. Also, in accordance with further exemplary embodiments of the present invention, an issuer system is suitably configured to leverage existing infrastructure for inventory and related processes.
摘要翻译：本发明一般涉及用于分发开放式交易工具的系统和方法。该系统包括以下步骤：在零售环境中可供出售开放交易工具; 出售选定的开放交易工具; 并使用开放式交易工具。交易工具可以是例如开放的预付卡。此外，在一个示例性实施例中，通过将预付卡挂在机架上来执行可开放的预付卡出售。开放交易工具的分配还可以包括基本上实时地发送消息的步骤，导致预先支付的开放交易工具被资助但未被激活。此外，根据本发明的另外的示例性实施例，发行者系统被适当地配置为利用现有基础设施进行库存和相关过程。

16. 发明申请

US20070295809A1 Transaction Instrument Inventory Management System and Method 失效
标题翻译：交易工具库存管理系统和方法
公开(公告)号：US20070295809A1
公开(公告)日：2007-12-27
申请号：US11850316
申请日：2007-09-05
申请人： Randy Beck , Sven Miller , Clyde Page
发明人： Randy Beck , Sven Miller , Clyde Page
IPC分类号： G06Q90/00 , G06Q20/00
CPC分类号： G06Q20/203 , G06Q40/025
摘要： A system and method for facilitating inventory management in financial transaction instrument distribution is disclosed. The method may include the steps of: receiving information related to the sale of a first transaction instrument, wherein the first transaction instrument is associated with a second transaction instrument, wherein the first and second transaction instruments comprise a group of transaction instruments, and wherein the information identifies a location of the sale of the first transaction instrument; and associating the location of the sale of the first transaction instrument with the second transaction instrument and/or the group of transaction instruments.
摘要翻译：披露了一种促进金融交易工具分配中库存管理的系统和方法。该方法可以包括以下步骤：接收与销售第一交易工具相关的信息，其中所述第一交易工具与第二交易工具相关联，其中所述第一和第二交易工具包括一组交易工具，并且其中信息识别出售第一交易工具的位置; 以及将所述第一交易工具的出售的位置与所述第二交易工具和/或所述交易工具集合相关联。

17. 发明授权

US07191939B2 Systems, methods, and devices for selling transaction instruments via web-based tool 有权
标题翻译：通过网络工具销售交易工具的系统，方法和设备
公开(公告)号：US07191939B2
公开(公告)日：2007-03-20
申请号：US10905888
申请日：2005-01-25
申请人： Randy Beck , Gennye Hannover Feldman , Elizabeth Anne Holt , Sven Miller , Clyde Page , Marc Rubner , John R. Rose , Nicole Milne Vollmer
发明人： Randy Beck , Gennye Hannover Feldman , Elizabeth Anne Holt , Sven Miller , Clyde Page , Marc Rubner , John R. Rose , Nicole Milne Vollmer
IPC分类号： G06K5/00
CPC分类号： G06Q40/02 , G06Q20/105 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/341 , G06Q20/355 , G06Q30/02 , G06Q30/0603 , G06Q40/00 , G06Q40/025 , G07F7/1008
摘要： The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.
摘要翻译：本发明一般涉及用于分发交易工具的系统和方法。该系统包括以下步骤：在零售环境中出售交易工具; 出售选定的交易工具; 通过互联网访问网站与交易工具的发行人进行交流，并使交易工具能够使用。交易工具可以是例如开放的预付卡。交易工具的分发还可以包括基本上实时地通过网站发送消息的步骤，导致预先付费的交易工具被资助但不被激活，直到稍后通过交互式语音应答系统，例如。在另一示例中，相关联的交易账户可以在分发时被资助并被激活。此外，发行者系统可以被适当地配置为利用现有的旅行者检查基础设施来进行库存和相关过程。

18. 发明申请

US20100017329A1 SYSTEMS, METHODS AND DEVICES FOR SELLING TRANSACTION INSTRUMENTS 有权
标题翻译：用于出售交易仪器的系统，方法和设备
公开(公告)号：US20100017329A1
公开(公告)日：2010-01-21
申请号：US12565652
申请日：2009-09-23
申请人： Randall G. Beck , Gennye Feldman , Jon Steven Imada , Paula S. Martinez , Sven Miller , Clyde Page , Steven J. Keiser , Rachel Riley Heitz
发明人： Randall G. Beck , Gennye Feldman , Jon Steven Imada , Paula S. Martinez , Sven Miller , Clyde Page , Steven J. Keiser , Rachel Riley Heitz
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/28 , G06Q20/40 , G06Q40/02
摘要： The present invention generally relates to a system and method for distributing an open transaction instrument. The system includes the steps of: accessibly offering for sale, in a retail environment, the open transaction instrument; selling a selected open transaction instrument; and enabling the use of the open transaction instrument. The transaction instrument may be, for example, an open pre-paid card. Furthermore, accessibly offering the open pre-paid card for sale, in one exemplary embodiment, is performed by hanging the pre-paid card on a rack. The distribution of the open transaction instrument may also comprise the step of sending a message, in substantially real time, causing the pre-paid open transaction instrument to be funded but not activated. Also, in accordance with further exemplary embodiments of the present invention, an issuer system is suitably configured to leverage existing infrastructure for inventory and related processes.
摘要翻译：本发明一般涉及用于分发开放式交易工具的系统和方法。该系统包括以下步骤：在零售环境中可供出售开放交易工具; 出售选定的开放交易工具; 并使用开放式交易工具。交易工具可以是例如开放的预付卡。此外，在一个示例性实施例中，通过将预付卡挂在机架上来执行可开放的预付卡出售。开放交易工具的分配还可以包括基本上实时地发送消息的步骤，导致预先支付的开放交易工具被资助但未被激活。此外，根据本发明的另外的示例性实施例，发行者系统被适当地配置为利用现有基础设施用于库存和相关过程。

19. 发明授权

US07918392B2 Systems, methods, and devices for selling transaction instruments 有权
标题翻译：用于销售交易工具的系统，方法和设备
公开(公告)号：US07918392B2
公开(公告)日：2011-04-05
申请号：US12911545
申请日：2010-10-25
申请人： Randall G. Beck , Gennye Feldman , Jon Steven Imada , Paula S. Martinez , Sven Miller , Clyde Page , Steven J. Keiser
发明人： Randall G. Beck , Gennye Feldman , Jon Steven Imada , Paula S. Martinez , Sven Miller , Clyde Page , Steven J. Keiser
IPC分类号： G06K5/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/28 , G06Q20/40 , G06Q40/02
摘要： The present invention generally relates to a system and method for distributing an open transaction instrument. The system includes the steps of: accessibly offering for sale, in a retail environment, the open transaction instrument; selling a selected open transaction instrument; and enabling the use of the open transaction instrument. The transaction instrument may be, for example, an open pre-paid card. Furthermore, accessibly offering the open pre-paid card for sale, in one exemplary embodiment, is performed by hanging the pre-paid card on a rack. The distribution of the open transaction instrument may also comprise the step of sending a message, in substantially real time, causing the pre-paid open transaction instrument to be funded but not activated. Also, in accordance with further exemplary embodiments of the present invention, an issuer system is suitably configured to leverage existing infrastructure for inventory and related processes.
摘要翻译：本发明一般涉及用于分发开放式交易工具的系统和方法。该系统包括以下步骤：在零售环境中可供出售开放交易工具; 出售选定的开放交易工具; 并使用开放式交易工具。交易工具可以是例如开放的预付卡。此外，在一个示例性实施例中，通过将预付卡挂在机架上来执行可开放的预付卡出售。开放交易工具的分配还可以包括基本上实时地发送消息的步骤，导致预先支付的开放交易工具被资助但未被激活。此外，根据本发明的另外的示例性实施例，发行者系统被适当地配置为利用现有基础设施用于库存和相关过程。

20. 发明申请

US20070294169A1 SYSTEMS, METHODS AND DEVICES FOR SELLING TRANSACTION INSTRUMENTS 有权
标题翻译：用于出售交易仪器的系统，方法和设备
公开(公告)号：US20070294169A1
公开(公告)日：2007-12-20
申请号：US11844663
申请日：2007-08-24
申请人： Randall Beck , Gennye Feldman , Rachel Heitz , Jon Imada , Paula Martinez , Sven Miller , Clyde Page , Steven Keiser
发明人： Randall Beck , Gennye Feldman , Rachel Heitz , Jon Imada , Paula Martinez , Sven Miller , Clyde Page , Steven Keiser
IPC分类号： G06Q40/00 , G06Q90/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/28 , G06Q20/40 , G06Q40/02
摘要： The present invention generally relates to a system and method for distributing an open transaction instrument. The system includes the steps of: accessibly offering for sale, in a retail environment, the open transaction instrument; selling a selected open transaction instrument; and enabling the use of the open transaction instrument. The transaction instrument may be, for example, an open pre-paid card. Furthermore, accessibly offering the open pre-paid card for sale, in one exemplary embodiment, is performed by hanging the pre-paid card on a rack. The distribution of the open transaction instrument may also comprise the step of sending a message, in substantially real time, causing the pre-paid open transaction instrument to be funded but not activated. Also, in accordance with further exemplary embodiments of the present invention, an issuer system is suitably configured to leverage existing infrastructure for inventory and related processes.
摘要翻译：本发明一般涉及用于分发开放式交易工具的系统和方法。该系统包括以下步骤：在零售环境中可供出售开放交易工具; 出售选定的开放交易工具; 并使用开放式交易工具。交易工具可以是例如开放的预付卡。此外，在一个示例性实施例中，通过将预付卡挂在机架上来执行可开放的预付卡出售。开放交易工具的分配还可以包括基本上实时地发送消息的步骤，导致预先支付的开放交易工具被资助但未被激活。此外，根据本发明的另外的示例性实施例，发行者系统被适当地配置为利用现有基础设施进行库存和相关过程。

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