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1. 发明申请

US20070089999A1 Debit or credit cardholder 审中-公开
标题翻译：借方或信用卡持卡人
公开(公告)号：US20070089999A1
公开(公告)日：2007-04-26
申请号：US11582469
申请日：2006-10-17
申请人： David Decker , Sean Glass , Miles Lasater , Andrew Rakaczki , Mark Volchek
发明人： David Decker , Sean Glass , Miles Lasater , Andrew Rakaczki , Mark Volchek
IPC分类号： A45C11/18
CPC分类号： A45C11/182 , A45C2200/10
摘要： There is provided a protective case for a plastic data card. This protective case includes a non-transparent housing having a first planar surface and a second planar surface both having a desired length and a desired height. The first planar surface and the second planar surface are joined together at a first end with a slit separating the first planar surface from the second planar surface. This slit extends inward from an opposing second end of said transparent housing. The slit terminates proximate the first end at a distance from the first end which is effective to position desired data on the plastic data card at an effective distance from the first end. A transparent window is formed in the first planar side and is effective to expose the desired data. The height of the second planar surface is effective to expose a magnetic stripe on the plastic data card.
摘要翻译：为塑料数据卡提供保护壳。该保护壳包括具有第一平坦表面和第二平坦表面的非透明外壳，其具有期望的长度和期望的高度。第一平坦表面和第二平坦表面在第一端处以将第一平坦表面与第二平坦表面分开的狭缝连接在一起。该狭缝从所述透明壳体的相对的第二端向内延伸。狭缝在距离第一端一定距离处终止于第一端附近，这有效地将所需数据放置在距离第一端有效距离的塑料数据卡上。在第一平面侧形成透明窗口，并且有效地露出期望的数据。第二平面的高度有效地暴露塑料数据卡上的磁条。

2. 发明申请

US20080097904A1 METHODS OF DELIVERING PAYMENTS TO MULTIPLE PARTIES 有权
标题翻译：向多方交付付款的方式
公开(公告)号：US20080097904A1
公开(公告)日：2008-04-24
申请号：US11957999
申请日：2007-12-17
申请人： Mark Volchek , Miles Lasater , Stephen Fitzgerald , Sean Glass , Dean Hatton , Earnest Jones , Casey McGuane
发明人： Mark Volchek , Miles Lasater , Stephen Fitzgerald , Sean Glass , Dean Hatton , Earnest Jones , Casey McGuane
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/042 , G06Q20/108 , G06Q20/40
摘要： The disclosed subject matter includes a method of distributing a payment of funds made payable to two or more payees. In some embodiments, the method includes the following: receiving a payment of funds made payable to two or more payees; inviting each of the two or more payees to electronically select a preferred method of funds delivery; authenticating each of the two or more payees' identity; electronically receiving the preferred method of funds delivery selected by each of the two or more payees; and delivering funds from the payment of funds to one or more of the two or more payees according to the preferred methods of funds delivery received.
摘要翻译：所披露的主题包括分配支付给两个或更多收款人的资金的方法。在一些实施例中，该方法包括以下步骤：接收支付给两个或多个收款人的资金; 邀请两个或多个收款人中的每一个以电子方式选择资金交付的首选方法; 认证两个或多个收款人的身份; 以电子方式接收由两个或多个收款人中的每一个选择的优先购买方式; 并根据收到的资金交付的首选方式，将资金从支付资金中分配给两个或多个收款人中的一个或多个。

3. 发明申请

US20070294165A1 SYSTEMS AND METHODS TO FACILITATE A TRANSFER OF A REFUND AMOUNT FROM AN EDUCATIONAL INSTITUTION TO A STUDENT 有权
标题翻译：促进从教育机构向学生转学退款金额的制度和方法
公开(公告)号：US20070294165A1
公开(公告)日：2007-12-20
申请号：US11832512
申请日：2007-08-01
申请人： Mark Volchek , Miles Lasater , Stephen Fitzgerald , Sean Glass , Dean Hatton , Ernest Jones , Casey McGuane
发明人： Mark Volchek , Miles Lasater , Stephen Fitzgerald , Sean Glass , Dean Hatton , Ernest Jones , Casey McGuane
IPC分类号： G06Q40/00
CPC分类号： G06Q20/00 , G06Q20/042 , G06Q20/10 , G06Q40/00 , G06Q40/025
摘要： A system and method of facilitating a transfer of a refund amount from an educational institution to a student. A refund controller receives from an educational institution a request for authorization of an instant paper check of a payment amount equal to at least a portion of a total refund amount associated with the student of the educational institution student. The refund controller verifies the payment amount is equal to or less than an amount of funds available to the student and transfers funds equal to the payment amount to an instant issuance account. The refund controller authorizes the educational institution to issue an instant paper check for the payment amount to the student. The instant paper check draws from the instant issuance account.
摘要翻译：一种促进将退款金额从教育机构转移给学生的系统和方法。退款控制员从教育机构接收对等于等于与教育机构学生的学生相关联的总退款金额的至少一部分的支付金额的即时纸张支票授权的请求。退款控制员验证支付金额等于或小于学生可用资金的数额，并将等于支付金额的资金转入即时发行账户。退款控制器授权教育机构立即向学生支付金额的纸质支票。即时纸张支票从即时发行账户获取。

4. 发明授权

US07249096B1 Systems and methods for facilitating a distribution of bank accounts via an educational institution 有权
标题翻译：通过教育机构促进银行账户分配的制度和方法
公开(公告)号：US07249096B1
公开(公告)日：2007-07-24
申请号：US10345605
申请日：2003-01-16
申请人： Miles Lasater , Sean Glass , Mark Volchek , Jeff Wong , Ernest C. Jones , Casey McGuane , Henry G. Fuldner , Kiril Savino
发明人： Miles Lasater , Sean Glass , Mark Volchek , Jeff Wong , Ernest C. Jones , Casey McGuane , Henry G. Fuldner , Kiril Savino
IPC分类号： G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/06
摘要： According to some embodiments, systems and methods are provided to facilitate a distribution of bank accounts via an educational institution. For example, information associated with a student, faculty member, or alum may be received from a university. A soft bank account may then be established based on the received information. If an indication of acceptance is received (e.g., via a Web site), the soft bank account may be activated. The activated bank account may then be used to process banking transactions.
摘要翻译：根据一些实施例，提供系统和方法以便于通过教育机构分配银行账户。例如，可以从大学收到与学生，教师或者明矾相关联的信息。然后可以基于接收的信息建立软银行帐户。如果接收到接受的指示（例如通过网站），则可以激活软银行帐户。然后，激活的银行帐户可用于处理银行交易。

5. 发明授权

US07792744B2 Systems and methods for facilitating a distribution of bank accounts via an educational institution 有权
标题翻译：通过教育机构促进银行账户分配的制度和方法
公开(公告)号：US07792744B2
公开(公告)日：2010-09-07
申请号：US11807617
申请日：2007-05-30
申请人： Miles Lasater , Sean Glass , Mark Volchek , Jeff Wong , Ernest C. Jones , Casey McGuane , Henry G. Fuldner , Kiril Savino
发明人： Miles Lasater , Sean Glass , Mark Volchek , Jeff Wong , Ernest C. Jones , Casey McGuane , Henry G. Fuldner , Kiril Savino
IPC分类号： G06Q40/00 , G06F17/60
CPC分类号： G06Q20/04 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/06
摘要： According to some embodiments, systems and methods are provided to facilitate a distribution of bank accounts via an educational institution. For example, information associated with a student, faculty member, or alum may be received from a university. A soft bank account may then be established based on the received information. If an indication of acceptance is received (e.g., via a Web site), the soft bank account may be activated. The activated bank account may then be used to process banking transactions.
摘要翻译：根据一些实施例，提供系统和方法以便于通过教育机构分配银行账户。例如，可以从大学收到与学生，教师或者明矾相关联的信息。然后可以基于接收的信息建立软银行帐户。如果接收到接受的指示（例如通过网站），则可以激活软银行帐户。然后，激活的银行帐户可用于处理银行交易。

6. 发明授权

US07496536B2 Systems and methods to facilitate a transfer of a refund amount from an educational institution to a student 有权
标题翻译：促进将退款金额从教育机构转移给学生的系统和方法
公开(公告)号：US07496536B2
公开(公告)日：2009-02-24
申请号：US10799387
申请日：2004-03-12
申请人： Miles Lasater , Sean Glass , Mark Volchek , Jeff Wong , Ernest C. Jones , Casey McGuane , Kiril Savino
发明人： Miles Lasater , Sean Glass , Mark Volchek , Jeff Wong , Ernest C. Jones , Casey McGuane , Kiril Savino
IPC分类号： G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/06
摘要： According to some embodiments, systems and methods are provided to facilitate a transfer of a refund amount from an educational institution to a student. For example, a refund controller may receive from an educational institution an indication of a refund amount associated with a student of the educational institution student. The refund controller may then determine a method of refund delivery associated with the student and automatically arrange for the refund amount to be provided to the student in accordance with the determined method of delivery.
摘要翻译：根据一些实施例，提供了系统和方法以便于从教育机构向学生转移退款金额。例如，退款控制者可以从教育机构收到与教育机构学生的学生相关联的退款金额的指示。然后，退款控制器可以确定与学生相关联的退款交付方式，并根据确定的交付方式自动安排向学生提供退款金额。

7. 发明申请

US20070239603A1 Systems and methods for facilitating a distribution of bank accounts via an educational institution 有权
公开(公告)号：US20070239603A1
公开(公告)日：2007-10-11
申请号：US11807617
申请日：2007-05-30
申请人： Miles Lasater , Sean Glass , Mark Volchek , Jeff Wong , Ernest Jones , Casey McGuane , Henry Fuldner , Kiril Savino
发明人： Miles Lasater , Sean Glass , Mark Volchek , Jeff Wong , Ernest Jones , Casey McGuane , Henry Fuldner , Kiril Savino
IPC分类号： G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/06
摘要： According to some embodiments, systems and methods are provided to facilitate a distribution of bank accounts via an educational institution. For example, information associated with a student, faculty member, or alum may be received from a university. A soft bank account may then be established based on the received information. If an indication of acceptance is received (e.g., via a Web site), the soft bank account may be activated. The activated bank account may then be used to process banking transactions.

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