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公开(公告)号：US20070017975A1
公开(公告)日：2007-01-25
申请号：US11483391
申请日：2006-07-07
Applicant: Cynthia Lewis , Ken Algiene , James Price , John Duesenberg
Inventor： Cynthia Lewis , Ken Algiene , James Price , John Duesenberg
CPC classification number: A45C11/182 , G06K19/04 , G06K19/06187 , G06K19/06196 , G06K19/07739
Abstract: Transaction card assemblies, systems and methods of making are provided. One such assembly includes a card carrier having a card integrally formed within. The card peripherally engages the card carrier and is adapted to be removed from the card carrier. An encodable strip is disposed on the card. The strip has first and second encodable tracks. The first encodable track is positioned to be read by a point-of-sale device when the card is engaged with the card carrier, and the second encodable track is positioned to be read by the point-of-sale device after the card is separated from the carrier. In this manner, the card can be read using the same point-of-sale device whether or not the card has been separated from the carrier.
Abstract translation: 提供交易卡组件，系统和制造方法。 一个这样的组件包括具有整体形成在其内的卡的卡片托架。 该卡外围地与卡片载体接合，并适于从卡片载体上移除。 可编码的条被布置在卡上。 该条具有第一和第二可编码轨迹。 第一可编码轨道定位成当卡片与卡片托架接合时由销售点设备读取，并且第二可编码轨道定位成在卡被分离之后由销售点设备读取 从承运人。 以这种方式，可以使用相同的销售点装置读取卡片，无论卡片是否已经与载体分离。
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公开(公告)号：US20060206424A1
公开(公告)日：2006-09-14
申请号：US11078132
申请日：2005-03-10
Applicant: Ken Algiene
Inventor： Ken Algiene
IPC: G06Q40/00
CPC classification number: G06Q30/02 , G06Q20/042 , G06Q20/102
Abstract: Systems and methods are provided for determining the value of a reward to a customer when converting the customer's promissory transaction to a direct debit transaction. The direct debit transaction does not have costs, such as guaranteeing the transaction, or collecting on a bad debt, typically associated with a promissory transaction. The value of the reward can be predefined, defined at the time of the transaction, or based, at least in part, on the savings associated with converting the promissory transaction into a direct debit transaction. In an embodiment, the reward is a stored value card.
Abstract translation: 提供系统和方法，用于在将客户的承兑交易转换为直接付款交易时，确定客户奖励的价值。 直接付款交易没有成本，例如保证交易，或收取通常与承兑交易相关的坏账。 奖励的价值可以预定义，在交易时定义，或者至少部分地基于将承兑交易转换为直接付款交易的节省。 在一个实施例中，奖励是储值卡。
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公开(公告)号：US08315952B2
公开(公告)日：2012-11-20
申请号：US11684997
申请日：2007-03-12
Applicant: Ken Algiene
Inventor： Ken Algiene
IPC: G06Q20/00
CPC classification number: G06Q20/367 , G06Q20/06
Abstract: Methods and systems are described for transferring funds from a sender to a recipient. Source funds are received from a sender. An amount of recipient funds is determined from a value of the source funds. A transfer identifier associated with the recipient funds is generated and provided to the sender. The transfer identifier is received from the recipient, prompting a transfer in control of the recipient funds to the recipient. At least one of the source funds and the recipient funds are in the form of one or more electronic tokens. Each such electronic token has a currency amount and a digital signature identifying a financial institution that backs the electronic token for the currency amount.
Abstract translation: 描述了将资金从发送方转移到收件人的方法和系统。 来自发件人的资金来源。 收款人资金的数量是根据来源资金的价值确定的。 产生与接收者资金相关联的转移标识符并提供给发送者。 从接收者接收到传送标识符，提示将接收方资金的控制转移给接收者。 至少有一个来源基金和收款人资金是以一个或多个电子代币的形式。 每个这样的电子令牌具有货币金额和数字签名，标识支持货币金额的电子令牌的金融机构。
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14.发明申请公开(公告)号：US20080195498A1
公开(公告)日：2008-08-14
申请号：US12022941
申请日：2008-01-30
Applicant: Erik S. Crawford , Thomas B. Sayor , Ken Algiene
Inventor： Erik S. Crawford , Thomas B. Sayor , Ken Algiene
CPC classification number: H04W4/24 , G06Q20/202 , G06Q40/12 , H04M2215/2026 , H04M2215/32
Abstract: Systems and methods for providing connectivity to a wireless network may include a point of sale device at a merchant location that is used to receive an account identifier that in turn is associated with a stored value account of a customer. The account identifier is transmitted along with transaction data to a financial network to permit the stored value account to be processed according to the transaction request. When needing to receive wireless access, a customer using a personal communications device transmits a request to obtain wireless access while he is at the merchant location. An evaluation is performed to confirm that the customer has performed a transaction involving the stored value account within a certain time period. Wireless access to the wireless network is provided if the customer has performed the transaction within the certain time period.
Abstract translation: 用于提供与无线网络的连接的系统和方法可以包括在商户位置处的用于接收与客户的存储值帐户相关联的帐户标识符的销售点设备。 帐户标识符与交易数据一起发送到金融网络，以允许根据交易请求处理存储的价值帐户。 当需要接收无线接入时，使用个人通信设备的客户在他在商户位置时发送获得无线接入的请求。 执行评估以确认客户在特定时间段内执行涉及存储值帐户的交易。 如果客户在特定时间段内执行交易，则提供对无线网络的无线接入。
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公开(公告)号：US08345931B2
公开(公告)日：2013-01-01
申请号：US11562371
申请日：2006-11-21
Applicant: Michael Jeronimus , Ken Algiene , Scott R. Paintin
Inventor： Michael Jeronimus , Ken Algiene , Scott R. Paintin
IPC: G06K9/00
CPC classification number: G06Q20/40145 , G06K9/00 , G06Q20/10 , G06Q20/40
Abstract: A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.
Abstract translation: 一种汇款授权方法，其包括向转让方验证处理器提供转账者生物特征信息的步骤，该方验证处理器通过将转让方生物特征信息与来自转让方的先前注册的生物特征信息进行比较，其中转让方提供转移身份信息以接收 钱。 该方法还包括确认经验证的转让方是否有足够的资金或信用转移资金，并通过将受让人生物识别信息与受让人之前注册的生物特征信息进行比较，向通过验证受让人的方验证处理者提供受让人生物特征识别。 受让人必须在向受让人提供汇款前提供转账身份信息。
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Patent Agency Ranking
公开(公告)号：US07316350B2
公开(公告)日：2008-01-08
申请号：US10421604
申请日：2003-04-22
Applicant: Ken Algiene
Inventor： Ken Algiene
IPC: G06K5/00
CPC classification number: G06Q30/04 , G06Q20/10 , G06Q20/105 , G06Q20/20 , G06Q20/28
Abstract: The invention relates, in part, to a computerized method for managing electronically stored value accounts which comprises storing at a host computer system a plurality of stored value customer accounts that each comprise a unique identifier. At the host computer system, requests are received from a point of sale device to activate at least some of the accounts. The requests to activate comprise unique identifiers and values that are associated with the identifiers. Also received at the host computer system is a request to transfer value from one of the customer accounts to another one of the customer accounts. The requested value is electronically transferred between the accounts.
Abstract translation: 本发明部分地涉及用于管理电子存储价值账户的计算机化方法，其包括在主计算机系统中存储各自包含唯一标识符的多个存储值客户账户。 在主计算机系统中，从销售点装置接收请求以激活至少一些帐户。 要激活的请求包括与标识符相关联的唯一标识符和值。 在主计算机系统中也收到的请求是将价值从一个客户账户转移到另一个客户账户。 请求的值在账户之间电子转帐。
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公开(公告)号：US20070205290A1
公开(公告)日：2007-09-06
申请号：US11682174
申请日：2007-03-05
Applicant: Keith Newbrough , Ken Algiene
Inventor： Keith Newbrough , Ken Algiene
CPC classification number: G06K19/077 , G06K19/07703
Abstract: The present invention generally relates to presentation and transaction cards with graphic image display, which may generally be dynamically modified or personalized following manufacture of the presentation or transaction card body. By way of example, the graphic images may be, e.g., digital image or photo files that may be electronically displayed on a surface of the presentation or transaction instrument for, e.g., promotional, advertising, security, and/or entertainment purposes. Methods for modifying or personalizing the appearance of a presentation or transaction instrument of the invention are also provided.
Abstract translation: 本发明一般涉及具有图形图像显示的呈现和交易卡，其通常可以在呈现或交易卡主体的制造之后被动态修改或个性化。 作为示例，图形图像可以是例如可以电子地显示在呈现或交易工具的表面上的例如促销，广告，安全和/或娱乐目的的数字图像或照片文件。 还提供了用于修改或个性化本发明的呈现或交易工具的外观的方法。
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公开(公告)号：US20060111973A1
公开(公告)日：2006-05-25
申请号：US10997771
申请日：2004-11-23
Applicant: Jaime Brown , Ken Algiene
Inventor： Jaime Brown , Ken Algiene
IPC: G06Q30/00
CPC classification number: G06Q30/02 , G06Q30/0226 , G06Q30/0238 , G06Q30/0275
Abstract: Systems and methods for managing mileage value accounts are provided. One such method includes receiving a presentation instrument having an account identifier stored thereon, and transmitting the account identifier and a purchase item identifier from a point-of-sale device to a host computer system. Using the host computer system, a customer account is identified based on the account identifier. A mileage value is associated to the purchase item identifier. The customer account is debited by the mileage value associated to the purchase item identifier. In this manner, the customer uses their mileage value account for the purchase of desired items or services. For airline travelers, the items may include a meal, a beverage, or a movie.
Abstract translation: 提供了管理里程值帐户的系统和方法。 一种这样的方法包括接收具有存储在其上的帐户标识符的呈现工具，以及从销售点设备向主计算机系统传送帐户标识符和购买项标识符。 使用主机系统，基于帐户标识符识别客户帐户。 里程值与采购项目标识符相关联。 客户帐户由与购买项目标识符相关联的里程值扣除。 以这种方式，客户使用里程值帐户购买所需的物品或服务。 对于航空公司的旅客，物品可能包括一餐，一杯饮料或一部电影。
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公开(公告)号：US20050116027A1
公开(公告)日：2005-06-02
申请号：US10988006
申请日：2004-11-12
Applicant: Ken Algiene , Layne Beemer
Inventor： Ken Algiene , Layne Beemer
CPC classification number: B42D25/425 , B42D25/00 , B42D25/309 , B42D25/40 , G06Q20/341 , G06Q20/40145 , G07F7/1008
Abstract: In one embodiment, a method for producing a customized presentation instrument comprises receiving at a production computer system production information needed to produce a customized presentation instrument. The production information may comprise customized design information from a purchaser of the presentation instrument, recipient information and a unique identifier. The design information is placed onto a piece of stock material to form the customized presentation instrument. The identifier is stored on the presentation instrument. Further, the completed presentation instrument is sent to the recipient.
Abstract translation: 在一个实施例中，一种用于生产定制呈现工具的方法包括在生产计算机系统处接收生成定制呈现工具所需的生产信息。 生产信息可以包括来自演示乐器的购买者的定制设计信息，接收者信息和唯一标识符。 将设计信息放置在一块原料上以形成定制的展示工具。 标识符存储在演示文稿中。 此外，完成的演示文稿将发送给收件人。
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公开(公告)号：US20050107152A1
公开(公告)日：2005-05-19
申请号：US10922815
申请日：2004-08-19
Applicant: Chris McGee , Steven Arthur , Jaime Brown , Ken Algiene
Inventor： Chris McGee , Steven Arthur , Jaime Brown , Ken Algiene
IPC: A63F20060101 , G06F17/00 , G07F17/32
CPC classification number: G07F17/32 , G07F17/329
Abstract: In one embodiment, a method for authorizing lottery transactions comprises receiving an account identifier for a stored value lottery account from a lottery system. The account identifier is authenticated at a host computer system and an authentication is transmitted to the lottery system. A cost associated with one or more lottery picks for a lottery transaction is received from the lottery system, a determination is made at the host computer system that the cost does not exceed an account balance associated with the account identifier, and an authorization for the lottery transaction is transmitted to the lottery system.
Abstract translation: 在一个实施例中，用于授权彩票交易的方法包括从彩票系统接收存储的彩票帐户的帐户标识符。 帐号标识符在主机系统上进行认证，认证被传送给彩票系统。 从彩票系统接收与彩票交易的一个或多个彩票选票相关联的成本，在主计算机系统确定成本不超过与帐户标识符相关联的账户余额，以及彩票授权 交易被传送到彩票系统。
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