公开(公告)号：US20040118914A1

公开(公告)日：2004-06-24

申请号：US10732641

申请日：2003-12-10

申请人： e2interactive, Inc. d/b/a e2Interactive, Inc.

发明人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Jonathan O'Neal

IPC分类号： G06K005/00

CPC分类号： G06Q30/02 ,  G06Q20/04 ,  H04M15/00 ,  H04M15/06 ,  H04M15/48 ,  H04M15/51 ,  H04M15/68 ,  H04M15/8083 ,  H04M17/00 ,  H04M17/10 ,  H04M2215/0156 ,  H04M2215/0184 ,  H04M2215/0192 ,  H04M2215/0196 ,  H04M2215/2033 ,  H04M2215/54

摘要： A system and method for supplying communication service value is disclosed. In one embodiment, the method includes distributing indicia of an identifier to a merchant for distribution to a customer having a customer account. The identifier has an associated service value that is redeemable with a plurality of carriers. The method further includes activating the identifier upon distribution of the indicia to the customer. A central processor may verify whether the merchant is authorized to distribute the indicia to the customer. During distribution to the customer, the merchant may transmit prior transaction information to the central processor, and the central processor may reconcile past billing records based on such prior transaction information. The method also includes receiving a request from the customer to add the associated service value to the customer account and adding the associated service value to the customer account is disclosed. The system and method may be used with any type of stored-value card account, including prepaid emergency road service cards.

摘要翻译： 公开了提供通信服务价值的系统和方法。 在一个实施例中，该方法包括将标识符的标记分发给商家以分发给具有客户帐户的客户。 标识符具有可与多个载体可兑换的相关联的服务值。 该方法还包括在将标记分发给客户时激活标识符。 中央处理器可以验证商家是否被授权将标记分发给客户。 在分配给客户期间，商家可以将先前的交易信息发送到中央处理器，并且中央处理器可以基于这种现有交易信息来协调过去的记帐记录。 该方法还包括接收来自客户的请求以将相关联的服务值添加到客户帐户，并将相关联的服务值添加到客户帐户。 系统和方法可以与任何类型的储值卡账户一起使用，包括预付紧急道路服务卡。

公开(公告)号：US20100198727A1

公开(公告)日：2010-08-05

申请号：US12798574

申请日：2010-04-07

申请人： Michael Porlotto

发明人： Michael Porlotto

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/105 ,  G06Q20/18 ,  G06Q20/354 ,  G06Q20/4012 ,  G06Q40/00

摘要： In some embodiments, a process for performing transaction tasks using a virtual terminal comprises: presenting functions to a user, receiving a selected function, and performing the selected function. The presented functions may comprise: (a) activating at least one card; (b) deactivating a card; (c) generating a PIN; (d) inserting value; (e) generating an End of Day report; and (f) managing users.

公开(公告)号：US20070094129A1

公开(公告)日：2007-04-26

申请号：US11515560

申请日：2006-09-05

申请人： Phillip Graves ,  Merrill Smith

发明人： Phillip Graves ,  Merrill Smith

IPC分类号： G06Q40/00

CPC分类号： G06Q20/28 ,  G06Q30/06 ,  G06Q40/025

摘要： Systems and methods for processing stored value card requests are disclosed herein. The method may generally comprise: distributing a stored-value card to a first merchant for distribution to a customer having an account with a specific provider, the stored-value card having an associated identifier that can be used to associate a stored value with the card, the associated stored value being redeemable with one or more providers, including the specific provider, the account having an associated account number; receiving a first request to activate the card from a first merchant terminal, the first request resulting from a card purchase transaction; receiving a redemption request from the customer, wherein the redemption request comprises the identifier; identifying the provider; and passing to the customer a provider-specific identifier representative of the stored value. Systems are disclosed for accomplishing the same.

摘要翻译： 本文公开了用于处理储值卡请求的系统和方法。 该方法通常可以包括：将存储卡分发到第一商家以分发给具有与特定提供商的帐户的客户，所述存储卡具有可用于将存储的值与卡相关联的相关联的标识符 相关联的存储值可由一个或多个提供者（包括特定提供商）兑换，该帐户具有相关联的帐号; 接收从第一商务终端激活卡的第一请求，由卡购买交易产生的第一请求; 从所述客户接收兑换请求，其中所述兑换请求包括所述标识符; 识别提供者; 并向客户传递代表所存储值的提供者特定标识符。 公开了用于实现系统的系统。

公开(公告)号：US20100299196A1

公开(公告)日：2010-11-25

申请号：US12804714

申请日：2010-07-28

申请人： Phillip C. Graves ,  Phil M. Chakiris ,  Karl Denzer ,  Dustin Young

发明人： Phillip C. Graves ,  Phil M. Chakiris ,  Karl Denzer ,  Dustin Young

IPC分类号： G06Q30/00

CPC分类号： G06Q20/20 ,  G06Q20/10 ,  G06Q30/0207 ,  G06Q30/0213 ,  G06Q30/0229 ,  G06Q30/0234 ,  G06Q30/0238

摘要： A method and system for using a rebate card are disclosed. The method may comprise initiating a purchase transaction for one or more products at a point of sale, determining whether the purchase transaction qualifies for a rebate, determining a rebate value based on the purchase transaction and the rebate, activating a rebate value in a rebate card account associated with a rebate card based on the determining action, and delivering the rebate card to a customer of the one or more products during the purchase transaction.

摘要翻译： 公开了一种使用回扣卡的方法和系统。 该方法可以包括在销售点启动一个或多个产品的购买交易，确定购买交易是否符合退税，基于购买交易确定回扣价值和返利，激活回扣卡中的回扣价值 基于确定动作与回扣卡相关联的账户，以及在购买交易期间将回扣卡递送给一个或多个产品的客户。

公开(公告)号：US20100049617A1

公开(公告)日：2010-02-25

申请号：US12607141

申请日：2009-10-28

申请人： Philip M. Chakiris ,  Merrill Brooks Smith ,  Phillip Craig Graves

发明人： Philip M. Chakiris ,  Merrill Brooks Smith ,  Phillip Craig Graves

IPC分类号： G06Q40/00 ,  G06K5/00

CPC分类号： H04M17/02 ,  G06Q20/10 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/04 ,  H04M15/00 ,  H04M15/48 ,  H04M15/49 ,  H04M15/68 ,  H04M15/8083 ,  H04M17/00 ,  H04M17/10 ,  H04M17/20 ,  H04M2017/25 ,  H04M2017/2506 ,  H04M2017/2512 ,  H04M2017/2518 ,  H04M2017/2537 ,  H04M2017/2556 ,  H04M2017/2562 ,  H04M2017/2593 ,  H04M2215/0156 ,  H04M2215/0184 ,  H04M2215/0192 ,  H04M2215/0196 ,  H04M2215/46

摘要： A method of adding a value to a customer account is provided. A request to add a value to a customer account of a customer is received from a point of sale terminal. The request may comprise value identification data associated with the value and account identification data associated with the customer account. The customer account identification data may be entered at the point of sale. The request may be associated with a purchase of the value. The value may be caused to be added to the customer account. During subsequent value purchase transactions, additional value may be added to the account.

摘要翻译： 提供了一种向客户帐户添加值的方法。 从销售点接收到向客户的客户账户添加价值的请求。 请求可以包括与与客户帐户相关联的价值和帐户识别数据相关联的价值识别数据。 客户帐户识别数据可以在销售点输入。 请求可能与购买该值相关联。 该值可能会被添加到客户帐户。 在随后的价值购买交易中，可能会向帐户添加额外的价值。

公开(公告)号：US20060161490A1

公开(公告)日：2006-07-20

申请号：US11290606

申请日：2005-12-01

申请人： Philip Chakiris ,  Merrill Smith ,  Phillip Graves

发明人： Philip Chakiris ,  Merrill Smith ,  Phillip Graves

IPC分类号： G06Q40/00

CPC分类号： G06Q20/28 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/206 ,  G06Q40/00

摘要： A method of adding a value to a customer account is provided. A request to add a value to a customer account of a customer is received from a point of sale terminal. The request may comprise value identification data associated with the value and account identification data associated with the customer account. The customer account identification data may be entered at the point of sale. The request may be associated with a purchase of the value. The value may be caused to be added to the customer account. During subsequent value purchase transactions, additional value may be added to the account.

摘要翻译： 提供了一种向客户帐户添加值的方法。 从销售点接收到向客户的客户账户添加价值的请求。 请求可以包括与与客户帐户相关联的价值和帐户识别数据相关联的价值识别数据。 客户帐户识别数据可以在销售点输入。 请求可能与购买该值相关联。 该值可能会被添加到客户帐户。 在随后的价值购买交易中，可能会向帐户添加额外的价值。

公开(公告)号：US20040195316A1

公开(公告)日：2004-10-07

申请号：US10831922

申请日：2004-04-26

申请人： e2interactive, Inc. d/b/a e2Interactive, Inc.

发明人： Phillip Craig Graves ,  Merrill Brooks Smith

IPC分类号： G06K005/00

CPC分类号： G07F7/08 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/28 ,  G06Q20/341 ,  G06Q20/343 ,  G06Q20/40 ,  G07F7/122

摘要： A computerized system and method for managing stored-value card data over a communications network between a plurality of terminals and a central processor is provided. Each of the terminals is accessible to respective users and is located in a respective location generally remote relative to the central processor. The stored-value card data is configured to securely process in real time stored-value cards transacted by respective users to enable charging prepaid stored-value services to a recipient of the transacted stored-value card. The method allows for providing a database coupled to the central processor. The method further allows for storing in the database a plurality of records comprising stored-value card data for each stored-value card. An associating step allows for associating in each stored record respective identifiers to uniquely match a respective stored-value card and a respective terminal. The associating step is enabled by assigning a nullsetupnull card to the location and capturing the terminal information when a transaction utilizing that card is made. A transmitting step allows for transmitting a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal.

摘要翻译： 提供了一种用于通过多个终端和中央处理器之间的通信网络管理存储值卡数据的计算机化系统和方法。 每个终端对于相应的用户是可访问的，并且位于相对于中央处理器通常相对的相应位置。 存储卡卡数据被配置为安全地处理由相应用户处理的实时存储卡，以使得可以向交易的存储卡的接收者充值预付存储值服务。 该方法允许提供耦合到中央处理器的数据库。 该方法还允许在数据库中存储包括每个存储值卡的存储值卡数据的多个记录。 关联步骤允许在每个存储的记录中关联相应的标识符以唯一地匹配相应的存储卡和相应的终端。 当使用该卡进行交易时，通过向该位置分配“设置”卡并捕获终端信息来启用关联步骤。 发送步骤允许从相应的请求终端向中央处理器发送存储值卡激活的请求，该中央处理器被配置为基于所激活的存储值卡的关联标识符是否匹配标识符来接受所述激活请求 实际上由请求终端为该存储卡和终端发送。

公开(公告)号：US20040129777A1

公开(公告)日：2004-07-08

申请号：US10712182

申请日：2003-11-13

申请人： e2interactive, Inc. d/b/a e2Interactive, Inc.

发明人： Merrill Brooks Smith

IPC分类号： G06K005/00

CPC分类号： G07F7/0866 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/204 ,  G06Q20/28 ,  G06Q20/343 ,  G06Q20/363 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q30/02 ,  G06Q40/00 ,  G07F7/08 ,  G07F7/122 ,  H04M15/00 ,  H04M15/48 ,  H04M15/8083 ,  H04M17/00 ,  H04M17/10 ,  H04M2215/0156 ,  H04M2215/0184 ,  H04M2215/0192

摘要： A method is provided for automating a stored-value card transaction request. First, a keycard associated with a product identification number is selected by a customer or merchant from among a plurality of keycards. The product identification number is input at a merchant terminal. The merchant terminal transmits the product identification number to a central processor. The central processor then transmits to the merchant terminal an indicia associated with the keycard. The indicia may then be delivered to the customer.

摘要翻译： 提供了一种用于使存储卡交易请求自动化的方法。 首先，由多个键卡中的顾客或商家选择与产品识别号码相关联的钥匙卡。 产品识别号码在商家终端输入。 商家终端向中央处理器发送产品标识号。 然后，中央处理器向商务终端发送与该钥匙卡相关联的标记。 然后可以将标记传送给客户。

公开(公告)号：US20100124912A1

公开(公告)日：2010-05-20

申请号：US12692966

申请日：2010-01-25

申请人： Merrill Brooks Smith ,  Phillip Craig Graves

发明人： Merrill Brooks Smith ,  Phillip Craig Graves

IPC分类号： H04M3/42

CPC分类号： H04W12/1206 ,  H04W12/08

摘要： A system and method for authorizing the activation of a communication device is provided. A request to activate a communication device is received by a communication service provider. The communication service provider or a central processor determines whether the communication device was validly sold in a purchase transaction. Alternately, the communication service provider can outsource the determining step to a central processor. The communication service provider or central processor determines whether to activate the communication device based on the determining action.

摘要翻译： 提供了一种用于授权激活通信设备的系统和方法。 激活通信设备的请求由通信服务提供商接收。 通信服务提供商或中央处理器确定通信设备是否在购买交易中被有效地出售。 或者，通信服务提供商可以将确定步骤外包给中央处理器。 通信服务提供商或中央处理器基于确定动作来确定是否激活通信设备。

公开(公告)号：US20090036106A1

公开(公告)日：2009-02-05

申请号：US12245182

申请日：2008-10-03

申请人： John David Guest ,  Brian Roger Tagg ,  Leslie George Lowin

发明人： John David Guest ,  Brian Roger Tagg ,  Leslie George Lowin

IPC分类号： H04M3/42 ,  H04W4/00 ,  G06Q20/00

CPC分类号： H04M17/206 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q30/0239 ,  H04M1/72552 ,  H04M15/06 ,  H04M15/43 ,  H04M15/68 ,  H04M17/00 ,  H04M17/10 ,  H04M17/20 ,  H04M2215/0196 ,  H04M2215/2026 ,  H04M2215/32 ,  H04W4/24

摘要： A system and method for adding value to a customer account are provided. An identifier associated with a value is distributed to a customer. The identifier is usable to add the value to an account. A request to add the value to a customer account is received via short message service (SMS). The request comprises the identifier and account identification information associated with the customer account. In some embodiments, the identifier may be entered into the device using text auto-completion software. The request is received from a user communication device as an SMS message. The value associated with the identifier and the customer account associated with the account identification number are identified based on the request. The value is caused to be added to the customer account. A confirmation that the value was added to the customer account is passed to the user communication device.

摘要翻译： 提供了一种为客户帐户添加价值的系统和方法。 与值相关联的标识符被分发给客户。 标识符可用于将值添加到帐户。 通过短消息服务（SMS）接收向客户帐户添加值的请求。 请求包括与客户帐户相关联的标识符和帐户识别信息。 在一些实施例中，标识符可以使用文本自动完成软件输入到设备中。 该请求作为SMS消息从用户通信设备接收。 基于该请求来识别与该标识符相关联的值和与该帐户识别号码相关联的该客户帐户。 该值被添加到客户帐户。 将该值添加到客户帐户的确认传递给用户通信设备。