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1. 发明授权

US08595133B2 System and method for satisfying a transaction amount from an alternative funding source 有权
标题翻译：从备用资金来源满足交易金额的制度和方法
公开(公告)号：US08595133B2
公开(公告)日：2013-11-26
申请号：US13039057
申请日：2011-03-02
申请人： I-Hsin Chuang , Leigh Malnati , Aravind Narasimhan
发明人： I-Hsin Chuang , Leigh Malnati , Aravind Narasimhan
IPC分类号： G06Q40/00 , G06Q20/12 , G06Q20/22 , G06Q20/32
CPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/20 , G06Q20/22 , G06Q20/322 , G06Q30/0207 , G06Q30/06 , G06Q40/02
摘要： Systems and methods for paying a transaction amount at a point of sale (e.g. a physical point of sale or a virtual point of sale) are disclosed. The systems and methods are configured to monitor transaction information to identify eligible transactions at the point of sale. Alternative funding options may be presented at substantially the same time as a transaction is being processed at a point of sale. Based on the user's selection, a credit may be applied to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source.
摘要翻译：公开了在销售点（例如物理销售点或虚拟销售点）支付交易金额的系统和方法。系统和方法被配置为监视交易信息以在销售点识别符合条件的交易。替代资金期权可能在交易在销售点处理的基本上同时呈现。基于用户的选择，信用可以应用于交易账户对应于来自替代资金来源的交易金额的至少一部分。

2. 发明申请

US20120226546A1 System and Method for Satisfying a Transaction Amount from an Alternative Funding Source 有权
标题翻译：从替代资金来源满足交易金额的制度和方法
公开(公告)号：US20120226546A1
公开(公告)日：2012-09-06
申请号：US13039057
申请日：2011-03-02
申请人： I-Hsin Chuang , Leigh Malnati , Aravind Narasimhan
发明人： I-Hsin Chuang , Leigh Malnati , Aravind Narasimhan
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/20 , G06Q20/22 , G06Q20/322 , G06Q30/0207 , G06Q30/06 , G06Q40/02
摘要： Systems and methods for paying a transaction amount at a point of sale (e.g. a physical point of sale or a virtual point of sale) are disclosed. The systems and methods are configured to monitor transaction information to identify eligible transactions at the point of sale. Where the transaction information conforms to predetermined rules, an indicator of an alternative funding source is provided to a user through a web browser, portable electronic device, or other suitable medium. Moreover, the alternative funding options are presented at substantially the same time as a transaction is being processed at a point of sale. Based on the user's selection, a credit may be applied to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source. Moreover, the credit associated with the alternative funding source is not communicated to the point of sale or the corresponding merchant, but rather is applied directly to the transaction account associated with the purchase of an item.
摘要翻译：公开了在销售点（例如物理销售点或虚拟销售点）支付交易金额的系统和方法。系统和方法被配置为监视交易信息以在销售点识别符合条件的交易。在交易信息符合预定规则的情况下，通过网络浏览器，便携式电子设备或其它合适的介质向用户提供替代资金来源的指标。此外，替代供资方案是在销售点正在处理的交易基本上同时提交的。基于用户的选择，信用可以应用于交易账户对应于来自替代资金来源的交易金额的至少一部分。此外，与替代资金来源相关联的信用额不会传达到销售点或相应的商家，而是直接应用于与购买商品相关联的交易账户。

4. 外观设计

USD512095S1 Card with an antenna and a blue rectangle 失效
标题翻译：卡与天线和蓝色矩形
公开(公告)号：USD512095S1
公开(公告)日：2005-11-29
申请号：US29206931
申请日：2004-06-03
申请人： Lee Allard , David Bonalle , Gail Francolini , Pam Kornfeld , Leigh Malnati , Sue Mueller , Zarita Norcross , Danielle Nulle , Steve Rank , Lisa Skilling-Belmond , Lisa Webb
设计人： Lee Allard , David Bonalle , Gail Francolini , Pam Kornfeld , Leigh Malnati , Sue Mueller , Zarita Norcross , Danielle Nulle , Steve Rank , Lisa Skilling-Belmond , Lisa Webb

5. 外观设计

USD508261S1 Transparent card with an antenna and a rectangle 失效
标题翻译：带有天线和矩形的透明卡
公开(公告)号：USD508261S1
公开(公告)日：2005-08-09
申请号：US29206933
申请日：2004-06-03
申请人： Lee Allard , David Bonalle , Gail Francolini , Pam Kornfeld , Leigh Malnati , Sue Mueller , Zarita Norcross , Danielle Nulle , Steve Rank , Lisa Skilling-Belmond , Lisa Webb
设计人： Lee Allard , David Bonalle , Gail Francolini , Pam Kornfeld , Leigh Malnati , Sue Mueller , Zarita Norcross , Danielle Nulle , Steve Rank , Lisa Skilling-Belmond , Lisa Webb

6. 外观设计

USD526016S1 Card with an antenna and a rectangle 有权
标题翻译：卡与天线和矩形
公开(公告)号：USD526016S1
公开(公告)日：2006-08-01
申请号：US29217611
申请日：2004-11-18
申请人： Lee A. Allard , David S. Bonalle , Gail A. Francolini , Ellen Lasch , Leigh Malnati , Sue Mueller , Zarita Norcross , Danielle R. Nulle , Steven Rank , Lisa Skilling-Belmond , Lisa Webb
设计人： Lee A. Allard , David S. Bonalle , Gail A. Francolini , Ellen Lasch , Leigh Malnati , Sue Mueller , Zarita Norcross , Danielle R. Nulle , Steven Rank , Lisa Skilling-Belmond , Lisa Webb

7. 外观设计

USD526015S1 Transparent card with an antenna 有权
标题翻译：带天线的透明卡
公开(公告)号：USD526015S1
公开(公告)日：2006-08-01
申请号：US29217609
申请日：2004-11-18
申请人： Lee A. Allard , David S. Bonalle , Gail A. Francolini , Ellen Lasch , Leigh Malnati , Sue Mueller , Zarita Norcross , Danielle R. Nulle , Steven Rank , Lisa Skilling-Belmond , Lisa Webb
设计人： Lee A. Allard , David S. Bonalle , Gail A. Francolini , Ellen Lasch , Leigh Malnati , Sue Mueller , Zarita Norcross , Danielle R. Nulle , Steven Rank , Lisa Skilling-Belmond , Lisa Webb

8. 外观设计

USD525653S1 Transparent card with an antenna and a blue rectangle 有权
标题翻译：带有天线和蓝色矩形的透明卡
公开(公告)号：USD525653S1
公开(公告)日：2006-07-25
申请号：US29217592
申请日：2004-11-18
申请人： Lee A. Allard , David S. Bonalle , Gail A. Francolini , Ellen Lasch , Leigh Malnati , Sue Mueller , Zarita Norcross , Danielle R. Nulle , Steven Rank , Lisa Skilling-Belmond , Lisa Webb
设计人： Lee A. Allard , David S. Bonalle , Gail A. Francolini , Ellen Lasch , Leigh Malnati , Sue Mueller , Zarita Norcross , Danielle R. Nulle , Steven Rank , Lisa Skilling-Belmond , Lisa Webb

9. 发明申请

US20100116882A9 PAYMENT PROGRAMS FOR HEALTHCARE PLANS 有权
标题翻译：健康计划支付计划
公开(公告)号：US20100116882A9
公开(公告)日：2010-05-13
申请号：US11461389
申请日：2006-07-31
申请人： Sarah Harrison , Jason Jagatic , Dana Klaboe , Leigh Malnati
发明人： Sarah Harrison , Jason Jagatic , Dana Klaboe , Leigh Malnati
IPC分类号： G06F7/08
CPC分类号： G06Q40/00 , G06Q20/20 , G06Q20/227
摘要： The invention is a computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request for payment for an item is received from a requester. A determination is made whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment at least a partial payment amount for the item is determined. The tax-advantaged account is debited for at least a portion of the purchasing amount of the item based on the payment authorization; and the at least partial payment amount for the item is transmitted to an account of the requestor.
摘要翻译：本发明是一种计算机实现的方法和系统，以利于利用税收优势账户的购买。从请求者接收到对项目的付款请求。确定项目是否符合税前待遇。如果项目符合税前待遇，则至少确定该项目的部分付款金额。根据付款授权，税收优惠账户的至少一部分采购金额被扣除; 并且该项目的至少部分支付金额被发送到请求者的账户。

10. 发明申请

US20080203172A1 CLEAR CONTACTLESS CARD 有权
标题翻译：清除卡片
公开(公告)号：US20080203172A1
公开(公告)日：2008-08-28
申请号：US11871981
申请日：2007-10-13
申请人： Michael J. Berardi , Michael Bliman , David S. Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C. Hood , Susan E. Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R. Williamson
发明人： Michael J. Berardi , Michael Bliman , David S. Bonalle , Jennifer Anne Elwood , Becky Vander Eyk , Matthew C. Hood , Susan E. Isenberg , Leigh Malnati , Alexandra Mayers , Sue Mueller , Zarita Norcross , Peter D. Saunders , Kathryn D. Scheding , Sejal Ajit Shah , Lisa Skilling-Belmond , John R. Williamson
IPC分类号： G06K19/067
CPC分类号： G06Q20/14 , G06K7/0008 , G06K19/02 , G06K19/0723 , G06K19/077 , G06K19/08 , G06K19/16 , G06Q20/00 , G06Q20/04 , G06Q20/327 , G07F7/086
摘要： The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.
摘要翻译：本发明涉及一种具有多个特征的透明或半透明交易卡的方法，例如全息箔，集成电路芯片，RFID电路，在磁条上具有文本的银磁条，不透明度梯度，不可见的可光学识别化合物，半透明签名领域，使得卡片背面的RFID电路和签名可以从卡片的前面看到，并且在卡片前面的主动通过日期。不可见的光学可识别化合物是红外墨水和/或膜，其可以通过在ATM或卡装配线中发现的传感器来检测。

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