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1. 发明申请

US20120142403A1 SYSTEM AND METHOD FOR ELECTRONIC FUND TRANSFERS FOR USE WITH GAMING SYSTEMS 有权
标题翻译：用于与游戏系统一起使用的电子基金转移的系统和方法
公开(公告)号：US20120142403A1
公开(公告)日：2012-06-07
申请号：US13156444
申请日：2011-06-09
申请人： JOHN B. PRATHER , WILL W. GRAYLIN , DAVID M. WEISS , STEPHEN L. WARNER , GEORGE J. AKMON , RONALD L. BISHOP
发明人： JOHN B. PRATHER , WILL W. GRAYLIN , DAVID M. WEISS , STEPHEN L. WARNER , GEORGE J. AKMON , RONALD L. BISHOP
IPC分类号： A63F9/24 , G06F19/00
CPC分类号： G07F17/3244 , G06Q20/027 , G06Q20/10 , G06Q20/1085 , G06Q40/02 , G06Q50/34 , G07F17/32
摘要： An electronic fund transfer (EFT) system for managing and transferring electronic funds from a user's financial account to a credit system includes a credit system configured to dispense credit to a user via physical or electronic credit means, an electronic fund transfer (EFT) device, a secure payment gateway configured to connect to the user's financial accounts via a financial asynchronous transfer mode (ATM) network, a host system connected to the credit system via a local network, a funds management portal connected to the host system and the secure payment gateway, and means for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway. The funds management portal accounts and reconciles the transferred electronic funds. All communications between the secure payment gateway and the host system pass through the funds management portal. The EFT device includes a secure client-side application for receiving instructions from the user for transferring electronic funds from the user's financial account to the credit system and means for transmitting the fund transfer instructions to the user's financial account. The EFT device is configured to connect to the secure payment gateway and to communicate with the user's financial account and to transmit the instructions for transferring electronic funds from the user's financial account to the credit system via the secure payment gateway.
摘要翻译：用于将电子资金从用户金融账户管理和转移到信用系统的电子资金转帐（EFT）系统包括被配置为通过物理或电子信用手段向用户分配信用的信用系统，电子资金转帐（EFT）配置为经由金融异步传输模式（ATM）网络连接到用户的财务帐户的安全支付网关，经由本地网络连接到信用系统的主机系统，连接到主机系统的资金管理门户和安全支付网关以及用于经由安全支付网关将电子资金从用户金融账户转入信用系统的手段。资金管理门户帐户并调整转移的电子资金。安全支付网关和主机系统之间的所有通信都通过资金管理门户。电子转帐装置包括安全的客户端应用程序，用于从用户接收用于将电子资金从用户金融帐户转移到信用系统的指令，以及用于将资金转账指令传送到用户的金融账户的装置。 EFT设备被配置为连接到安全支付网关并与用户的金融账户进行通信，并且通过安全支付网关将用于将电子资金从用户的金融账户转移到信用系统的指令。

2. 发明申请

US20130054336A1 SYSTEM AND METHOD FOR INCORPORATING ONE-TIME TOKENS, COUPONS, AND REWARD SYSTEMS INTO MERCHANT POINT OF SALE CHECKOUT SYSTEMS 审中-公开
标题翻译：将一次性玩具，优惠券和奖励制度纳入销售检验系统的销售点的系统和方法
公开(公告)号：US20130054336A1
公开(公告)日：2013-02-28
申请号：US13663561
申请日：2012-10-30
申请人： WILL W. GRAYLIN
发明人： WILL W. GRAYLIN
IPC分类号： G06Q20/20 , G06Q30/02
摘要： A method for incorporating one-time-tokens, coupon and reward systems in conjunction with merchants' POS checkout systems in the physical or virtual environments includes providing a consumer computing device comprising an electronic wallet application, providing a One-time Token Redemption System(OTRS) and user electronic wallet accounts, logging into a user electronic wallet account through the electronic wallet application, sending a request for a one-time token valid for a specified time interval and then forwarding the request for the one-time token to the OTRS and upon approval sending the requested one-time token from the OTRS to the electronic wallet application. Next, presenting and entering the one-time token into a merchant point of sale checkout system within the specified time interval via the consumer computing device, sending the entered one-time token to a checkout application, and then processing payment via a secure payment application.
摘要翻译：在物理或虚拟环境中结合商户的POS结帐系统结合一次性令牌，优惠券和奖励系统的方法包括提供包括电子钱包应用的消费者计算设备，提供一次性令牌兑换系统（OTRS ）和用户电子钱包帐户，通过电子钱包应用程序登录到用户电子钱包帐户，发送对指定时间间隔有效的一次性令牌的请求，然后将一次性令牌的请求转发到OTRS，经批准将所请求的一次性令牌从OTRS发送到电子钱包应用程序。接下来，通过消费者计算设备在指定的时间间隔内呈现并将一次性令牌输入商家销售点结帐系统，将输入的一次性令牌发送到结帐应用，然后经由安全支付应用程序处理支付。

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