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    Systems and methods for conducting a composite bill payment transaction
    31.
    发明申请
    Systems and methods for conducting a composite bill payment transaction 审中-公开
    进行复合账单支付交易的系统和方法

    公开(公告)号：US20120084162A1

    公开(公告)日：2012-04-05

    申请号：US12924792

    申请日：2010-10-05

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

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

    IPC分类号： G06Q20/00

    CPC分类号： G06Q20/20 ,  G06Q20/14

    摘要： The present invention is directed to systems and methods of conducting a payment system, facilitated between a computerized processor, a point-of-sale, a customer, and one or more payees to whom the customer wishes to make a payment. The method including the steps of: receiving composite payment transaction information from the customer—including identifying information of the one or more payees and an indication of the an amount of value the customer wishes to pay to each of the one or more payees, associating an identifier with the composite payment transaction information, providing the identifier to the customer, receiving the identifier from the point-of-sale, receiving an amount of value from the point-of-sale, and providing value to the one or more payees in the amount indicated by the customer in the composite payment transaction information. The system configured to provide payment in a similar manner.

    摘要翻译： 本发明涉及进行支付系统的系统和方法，在计算机化处理器，销售点，客户和客户希望进行支付的一个或多个收款人之间进行。 该方法包括以下步骤：从客户接收复合支付交易信息，包括一个或多个收款人的识别信息以及客户希望向一个或多个收款人中的每一个支付的价值金额的指示， 标识符与复合支付交易信息，向客户提供标识符，从销售点接收标识符，从销售点接收一定数量的价值，以及向所述一个或多个收款人提供价值 由客户在复合支付交易信息中指示的金额。 该系统被配置为以类似的方式提供支付。

    System and method for distributing stored-value cards
    33.
    发明授权
    System and method for distributing stored-value cards 有权
    分配储值卡的系统和方法

    公开(公告)号：US07093761B2

    公开(公告)日：2006-08-22

    申请号：US10732641

    申请日：2003-12-10

    申请人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Jonathan O'Neal

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

    IPC分类号： G06K7/10

    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。

    System and method for managing stored-value card data
    34.
    发明授权
    System and method for managing stored-value card data 有权

    公开(公告)号：US07083084B2

    公开(公告)日：2006-08-01

    申请号：US10411971

    申请日：2003-04-11

    申请人： Phillip Craig Graves ,  Merrill Brooks Smith

    发明人： Phillip Craig Graves ,  Merrill Brooks Smith

    IPC分类号： G06F17/60

    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 “setup” 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.

    Card assembly with vertical magnetic stripe
    36.
    发明授权
    Card assembly with vertical magnetic stripe 有权
    卡片装配有垂直磁条

    公开(公告)号：US07219835B2

    公开(公告)日：2007-05-22

    申请号：US11116243

    申请日：2005-04-28

    申请人： Phillip Craig Graves ,  Sean Keith Chariker

    发明人： Phillip Craig Graves ,  Sean Keith Chariker

    IPC分类号： G06K5/00

    CPC分类号： G06K19/04 ,  G06K19/06187 ,  G06K19/08

    摘要： A card assembly comprising a display portion and a transaction card is provided. The display portion comprises a substantially planar substrate. The transaction card comprises a substantially rectangular and substantially planar substrate having first and second short edges and first and second long edges. The transaction card further comprises at least one magnetic stripe having a card identification number encoded thereon. The at least one magnetic stripe is substantially parallel to the long edges. The transaction card is detachably coupled to the display portion at a coupling interface located along one of the short edges. The card assembly may be configured so that the transaction card can be inserted into a card-reading device while the transaction card is still attached to the display portion.

    摘要翻译： 提供一种包括显示部分和交易卡的卡组件。 显示部分包括基本平坦的基板。 交易卡包括具有第一和第二短边缘以及第一和第二长边缘的基本上矩形且基本上平坦的基板。 交易卡还包括至少一个具有在其上编码的卡标识号的磁条。 至少一个磁条基本上平行于长边缘。 交易卡在沿着短边缘之一的耦合接口处可拆卸地耦合到显示部分。 卡组件可以被配置为使得交易卡可以在交易卡仍然附着到显示部分的同时被插入读卡装置中。

    Rebate card system
    37.
    发明授权
    Rebate card system 有权
    回扣卡系统

    公开(公告)号：US08407088B2

    公开(公告)日：2013-03-26

    申请号：US12804714

    申请日：2010-07-28

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

    发明人： Phillip Craig 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。

    Point-of-sale activation of media device account
    38.
    发明授权
    Point-of-sale activation of media device account 有权
    销售点激活媒体设备帐户

    公开(公告)号：US07437329B2

    公开(公告)日：2008-10-14

    申请号：US11930559

    申请日：2007-10-31

    申请人： Phillip Craig Graves

    发明人： Phillip Craig Graves

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/20 ,  G06Q20/105 ,  G06Q20/407 ,  G06Q40/00 ,  G06Q50/265

    摘要： The present invention discloses systems and methods for activating and redeeming prepaid media download cards and devices. Methods for activating prepaid media download cards may comprise storing at a central processor a media download card identifier identifying a specific prepaid media download card, inputting the prepaid media download card identifier at a merchant terminal during a purchase of the prepaid media download card, receiving at a central processor a prepaid media download card activation request, determining whether to authorize activation of the prepaid media download card based on the media download card identifier, and activating the prepaid media download card in response to a determination to authorize activation of the prepaid media download card.

    摘要翻译： 本发明公开了用于激活和兑换预付费媒体下载卡和设备的系统和方法。 用于激活预付费媒体下载卡的方法可以包括在中央处理器处存储识别特定预付媒体下载卡的媒体下载卡标识符，在购买预付费媒体下载卡期间在商业终端处输入预付费媒体下载卡标识符， 中央处理器，预付媒体下载卡激活请求，基于媒体下载卡标识确定是否授权激活预付媒体下载卡，以及响应于授权激活预付费媒体下载的确定激活预付媒体下载卡 卡。