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1. 发明申请

US20090164363A1 Computer-Implemented Methods, Program Product, And System For Micro-Loan Product Management 有权
标题翻译：计算机实施的方法，程序产品和微型贷款产品管理系统
公开(公告)号：US20090164363A1
公开(公告)日：2009-06-25
申请号：US12338684
申请日：2008-12-18
申请人： Rebecca Ahlers , Eric Miller , Scott Galit , Trent Sorbe , Troy Larson
发明人： Rebecca Ahlers , Eric Miller , Scott Galit , Trent Sorbe , Troy Larson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/105 , G06Q20/108 , G06Q20/20 , G06Q20/40 , G06Q40/00 , G06Q40/025
摘要： Embodiments of the present invention include methods, program product and systems for card and bank product management. An embodiment of a method of advancing funds to a banking customer, for example, includes establishing a line of credit with a bank through an on-line access interface with the bank, determining whether access to funds through the line of credit should occur for a customer transaction and providing one or more preselected increments of funds for the customer transaction. A cumulative amount of the one or more preselected increments, for example, can be less than a total available line of credit for a customer having an established line of credit with the bank. The method further includes decrementing the total available line of credit by the cumulative amount of the one or more preselected increments provided for the customer transaction and a predetermined fee amount for each preselected increment of funds.
摘要翻译：本发明的实施例包括用于卡和银行产品管理的方法，程序产品和系统。例如，将资金推进到银行客户的方法的实施例包括通过与银行的在线访问接口与银行建立信用额度，确定是否应该通过信用额度获得资金客户交易，并为客户交易提供一个或多个预选的资金增量。例如，一个或多个预选增量的累积量可以小于具有与银行建立的信用额度的客户的总可用信用额度。该方法还包括将总可用信用额度减去为客户交易提供的一个或多个预选增量的累积量，以及每个预选的资金增量的预定费用金额。

2. 发明授权

US08818887B2 Computer-implemented methods, program product, and system for micro-loan product management 有权
标题翻译：计算机实现的方法，程序产品和微型贷款产品管理系统
公开(公告)号：US08818887B2
公开(公告)日：2014-08-26
申请号：US12338684
申请日：2008-12-18
申请人： Rebecca Ahlers , Eric Miller , Scott Galit , Trent Sorbe , Troy Larson
发明人： Rebecca Ahlers , Eric Miller , Scott Galit , Trent Sorbe , Troy Larson
IPC分类号： G06Q40/00 , G06Q20/10 , G06Q40/02 , G06Q20/40 , G06Q20/20
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/105 , G06Q20/108 , G06Q20/20 , G06Q20/40 , G06Q40/00 , G06Q40/025
摘要： Embodiments of the present invention include methods, program product and systems for card and bank product management. An embodiment of a method of advancing funds to a banking customer, for example, includes establishing a line of credit with a bank through an on-line access interface with the bank, determining whether access to funds through the line of credit should occur for a customer transaction and providing one or more preselected increments of funds for the customer transaction. A cumulative amount of the one or more preselected increments, for example, can be less than a total available line of credit for a customer having an established line of credit with the bank. The method further includes decrementing the total available line of credit by the cumulative amount of the one or more preselected increments provided for the customer transaction and a predetermined fee amount for each preselected increment of funds.
摘要翻译：本发明的实施例包括用于卡和银行产品管理的方法，程序产品和系统。例如，将资金推进到银行客户的方法的实施例包括通过与银行的在线访问接口与银行建立信用额度，确定是否应该通过信用额度获得资金客户交易，并为客户交易提供一个或多个预选的资金增量。例如，一个或多个预选增量的累积量可以小于具有与银行建立的信用额度的客户的总可用信用额度。该方法还包括将总可用信用额度减去为客户交易提供的一个或多个预选增量的累积量，以及每个预选的资金增量的预定费用金额。

3. 发明申请

US20090228391A1 Methods To Advance Loan Proceeds On Prepaid Cards, Associated Systems And Computer Program Products 审中-公开
标题翻译：预付卡，相关系统和计算机程序产品贷款预付款的方法
公开(公告)号：US20090228391A1
公开(公告)日：2009-09-10
申请号：US12389749
申请日：2009-02-20
申请人： Trent Sorbe , Troy Larson , Rebecca Ahlers
发明人： Trent Sorbe , Troy Larson , Rebecca Ahlers
IPC分类号： G06Q40/00 , H04L9/32 , G06F21/00
CPC分类号： G06Q40/025 , G06Q20/22 , G06Q20/342 , G06Q40/02
摘要： Embodiments of the present invention include systems, computer program products, and associated computer-implemented methods of advancing loan proceeds on prepaid cards. Example embodiments include generating a common interface for loan information when proceeds from the loan are destined for a prepaid card account. As understood by those skilled in the art, the common interface of the embodiments of the present invention is agnostic to the prepaid card processor. Example embodiments include determining the prepaid card processor associated with the prepaid card account from the loan information provided through the common interface and invoking the prepaid processor as one of the plurality of preselected prepaid processors available to post the loan proceeds to the prepaid card account. Example embodiments further include reconciling the information for the approved loan from the underwriter with the information from the prepaid card processor.
摘要翻译：本发明的实施例包括系统，计算机程序产品以及在预付卡上推进贷款收益的相关计算机实现的方法。示例性实施例包括当贷款的收益指定为预付卡账户时，生成用于贷款信息的公共接口。如本领域技术人员所理解的，本发明的实施例的公共接口对预付卡处理器是不可知的。示例性实施例包括从通过公共接口提供的贷款信息中确定与预付卡帐户相关联的预付费卡处理器，并将预付费处理器作为多个预先选择的预付费处理器中的一个可用于将贷款发放到预付卡账户。示例性实施例还包括将来自承销商的批准贷款的信息与预付卡处理器的信息进行协调。

4. 发明申请

US20120116960A1 SYSTEM, NON-TRANSITORY MEMORY WITH COMPUTER PROGRAM, AND ASSOCIATED METHODS FOR MICRO-CREDIT TO PREPAID CARDS 有权
标题翻译：系统，具有计算机程序的非终端存储器，以及用于微信用于预处理卡的相关方法
公开(公告)号：US20120116960A1
公开(公告)日：2012-05-10
申请号：US13349423
申请日：2012-01-12
申请人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
发明人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
IPC分类号： G06Q40/02
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/04
摘要： A lending institution computer establishes a line of credit coupled to a prepaid card account and makes available draws to the line of credit line in an authorization stream for a proposed purchase using the prepaid card account as payment. When the line of credit is accessed, the prepaid card account is loaded with an additional value of one or more predetermined loan increments so that the prepaid card account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Next, a new value for a line of credit balance available is determined, accounting for value loaded onto the prepaid card account and a predetermined loan advance fee for each loan increment loaded onto the prepaid card account.
摘要翻译：贷款机构计算机建立与预付卡账户相结合的信用额度，并使用预付卡账户作为付款，在建议购买的授权流中提供到信用额度行。当访问信用额度时，预付卡帐户被加载一个或多个预定贷款增量的额外值，使得预付卡帐户然后具有总计先前金额的新金额加上一个或多个预选贷款增量，使新金额超过或等于拟议购买价值。接下来，确定可用信用额度线的新值，计算加载到预付卡账户上的价值以及加载到预付卡账户上的每个贷方增量的预定贷款预付费。

5. 发明申请

US20110055080A1 System, Program Product, and Method for Debit Card and Checking Account Autodraw 有权
标题翻译：系统，程序产品和借记卡方法以及检查帐户自动绘制
公开(公告)号：US20110055080A1
公开(公告)日：2011-03-03
申请号：US12877524
申请日：2010-09-08
申请人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
发明人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/04 , G06Q20/102 , G06Q20/204 , G06Q40/02 , G06Q40/025
摘要： A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed payment from the checking account. When the line of credit is accessed, the checking account is credited with an additional value equal to one or more preselected loan increments so that the account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed payment. Next, a new value for the line of credit balance available is determined, accounting for value credited to the checking account and a preselected loan advance fee for each loan increment credited to the account.
摘要翻译：消费者被资格认定为贷款机构电脑响应消费者承保数据的支票账户附加信用额度。贷款机构计算机可以从支票账户中获得提取的付款授权流中的信用额度行。当信用额度被访问时，支票账户被记入等于一个或多个预先选择的贷款增量的附加值，使得该账户具有总额为先前金额的新金额加上一个或多个预选贷款的价值金额增加并使新数额超过或等于拟议付款的价值。接下来，确定可用信用额度线的新值，记入贷方支票账户的价值，以及贷记到该账户的每笔贷款增加的预先选定的贷款预付费。

6. 发明申请

US20090254443A1 System, Program Product, And Associated Methods To Autodraw For Micro-Credit Attached To A Prepaid Card 失效
标题翻译：系统，程序产品，以及相关方法自动清理附有预付卡的小额信贷
公开(公告)号：US20090254443A1
公开(公告)日：2009-10-08
申请号：US12417211
申请日：2009-04-02
申请人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
发明人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
IPC分类号： G06Q40/00 , G06Q20/00 , G06K5/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/202 , G06Q20/204 , G06Q30/0234 , G06Q30/0236 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A prepaid card processor receives data for a line of credit for a prepaid card from a lending institution computer. The prepaid card processor makes available draws to the line of credit line on behalf of the lending institution computer in an authorization stream for a proposed purchase using the prepaid card as payment. When the line of credit is accessed, the processor loads the prepaid card with an additional value equal to one or more preselected loan increments so that the prepaid card then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Then the processor notifies the lending institution so that the line of credit balances on the lending institution computer and the prepaid card processor are kept in sync.
摘要翻译：预付卡处理器从贷款机构计算机接收用于预付卡的信用额度的数据。预付卡处理器使用预付卡作为付款，以代表贷款机构计算机的授权流中的预付卡作为建议购买提供到信用额度行。当信用额度被访问时，处理器以等于一个或多个预先选择的贷款增量的附加价值来加载预付卡，以便预付卡然后具有总计先前金额的新金额加上一个或多个预选贷款增量，使新金额超过或等于拟议购买价值。然后处理器通知贷款机构，使贷款机构计算机和预付卡处理器之间的信用余额保持同步。

7. 发明申请

US20090254442A1 System, Program Product, And Associated Methods To Autodraw For Micro-Credit Attached To A Prepaid Card 失效
标题翻译：系统，程序产品，以及相关方法自动清理附有预付卡的小额信贷
公开(公告)号：US20090254442A1
公开(公告)日：2009-10-08
申请号：US12417199
申请日：2009-04-02
申请人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
发明人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/202 , G06Q20/204 , G06Q30/0234 , G06Q30/0236 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A consumer is prequalified for a line of credit attached to a prepaid card by a lending institution. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed purchase using the prepaid card as payment. When the line of credit is accessed, the prepaid card is loaded with an additional value equal to one or more preselected loan increments so that the prepaid card then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Next, a new value for the line of credit balance available is determined, accounting for value loaded onto the prepaid card and a preselected loan advance fee for each loan increment loaded onto the prepaid card.
摘要翻译：消费者资格预留了贷款机构附有预付卡的信用额度。贷款机构计算机使用预付卡作为付款，在提议购买的授权流中提取到信用额度行。当信用额度被访问时，预付卡被加载等于一个或多个预先选择的贷款增量的附加值，使得预付卡然后具有总计前一个金额的新金额加上一个或多个预先选择的金额的金额贷款额度增加，使得新金额超过或等于拟议购买的价值。接下来，确定可用信用额度线的新值，计入加载到预付卡上的价值，以及加载到预付卡上的每个贷方增量的预选贷款预付费。

8. 发明申请

US20090254441A1 System, Program Product, And Method For Debit Card And Checking Account Autodraw 有权
标题翻译：系统，程序产品，借记卡和检查帐户自动清理方法
公开(公告)号：US20090254441A1
公开(公告)日：2009-10-08
申请号：US12417162
申请日：2009-04-02
申请人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
发明人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/202 , G06Q20/204 , G06Q30/0234 , G06Q30/0236 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed payment from the checking account. When the line of credit is accessed, the checking account is credited with an additional value equal to one or more preselected loan increments so that the account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed payment. Next a new value for the line of credit balance available is determined, accounting for value credited to the checking account and a preselected loan advance fee for each loan increment credited to the account.
摘要翻译：消费者被资格认定为贷款机构电脑响应消费者承保数据的支票账户附加信用额度。贷款机构计算机可以从支票账户中获得提取的付款授权流中的信用额度行。当信用额度被访问时，支票账户被记入等于一个或多个预先选择的贷款增量的附加值，使得该账户具有总额为先前金额的新金额加上一个或多个预选贷款的价值金额增加并使新数额超过或等于拟议付款的价值。接下来，确定可用信用额度的一个新价值，计入贷方账户的账面价值，以及贷记账户每笔贷款额度的预先选定贷款预付费用。

9. 发明授权

US08744915B2 System, program product, and method for debit card and checking account autodraw 有权
标题翻译：系统，程序产品和借记卡和检查帐户自动绘制方法
公开(公告)号：US08744915B2
公开(公告)日：2014-06-03
申请号：US12877524
申请日：2010-09-08
申请人： Rebecca Ahlers , Andrew B Crowe , Scott H Galit , Trent Sorbe
发明人： Rebecca Ahlers , Andrew B Crowe , Scott H Galit , Trent Sorbe
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q20/20
CPC分类号： G06Q40/00 , G06Q20/04 , G06Q20/102 , G06Q20/204 , G06Q40/02 , G06Q40/025
摘要： A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed payment from the checking account. When the line of credit is accessed, the checking account is credited with an additional value equal to one or more preselected loan increments so that the account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed payment. Next, a new value for the line of credit balance available is determined, accounting for value credited to the checking account and a preselected loan advance fee for each loan increment credited to the account.
摘要翻译：消费者被资格认定为贷款机构电脑响应消费者承保数据的支票账户附加信用额度。贷款机构计算机可以从支票账户中获得提取的付款授权流中的信用额度行。当信用额度被访问时，支票账户被记入等于一个或多个预先选择的贷款增量的附加值，使得该账户具有总额为先前金额的新金额加上一个或多个预选贷款的价值金额增加并使新数额超过或等于拟议付款的价值。接下来，确定可用信用额度线的新值，记入贷方支票账户的价值，以及贷记到账户中的每笔贷款增值的预先选定的贷款预付费。

10. 发明授权

US08738451B2 System, program product, and method for debit card and checking account autodraw 有权
标题翻译：系统，程序产品和借记卡和检查帐户自动绘制方法
公开(公告)号：US08738451B2
公开(公告)日：2014-05-27
申请号：US12417162
申请日：2009-04-02
申请人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
发明人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/202 , G06Q20/204 , G06Q30/0234 , G06Q30/0236 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed payment from the checking account. When the line of credit is accessed, the checking account is credited with an additional value equal to one or more preselected loan increments so that the account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed payment. Next a new value for the line of credit balance available is determined, accounting for value credited to the checking account and a preselected loan advance fee for each loan increment credited to the account.
摘要翻译：消费者被资格认定为贷款机构电脑响应消费者承保数据的支票账户附加信用额度。贷款机构计算机可以从支票账户中获得提取的付款授权流中的信用额度行。当信用额度被访问时，支票账户被记入等于一个或多个预先选择的贷款增量的附加值，使得该账户具有总额为先前金额的新金额加上一个或多个预选贷款的价值金额增加并使新数额超过或等于拟议付款的价值。接下来，确定可用信用额度的一个新价值，计入贷方账户的账面价值，以及贷记账户每笔贷款额度的预先选定贷款预付费用。

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