公开(公告)号：US08820631B2

公开(公告)日：2014-09-02

申请号：US11558874

申请日：2006-11-10

Applicant: Felix Weitzman

Inventor： Felix Weitzman

IPC: G06Q40/00 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/04 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q40/02

CPC classification number: G06Q20/4014 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/204 ,  G06Q20/28 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/125 ,  G06Q40/128 ,  G06Q2220/00

Abstract: Pre-paid negotiable instruments are issued in response to a request at a host system from the holder of a stored-value account. The request is made through an IVR system or a web interface, and the host allocates funds from the account and provides a balance remaining after the negotiable instrument is issued. The instrument is printed with a transaction number or other identifier at an issuing system, and is then sent to the account holder. The account holder activates the instrument after receipt. The payee receives the instrument and authorizes the instrument by providing the transaction number or identifier to the host. When authorized, payment is guaranteed to the payee from the issuer.

Abstract translation: 预付票据是根据主机系统从储值帐户的持有人发出的请求发出的。 该请求是通过IVR系统或Web界面进行的，并且主机从账户中分配资金，并在发行可转让票据之后提供余额。 仪器在发卡系统上印有交易号码或其他标识符，然后发送给账户持有人。 帐户持有人在收到后激活仪器。 收款人通过向主机提供交易号码或标识符，接收仪器并授权仪器。 授权后，发行人向收款人保证付款。

公开(公告)号：US08777101B2

公开(公告)日：2014-07-15

申请号：US11686697

申请日：2007-03-15

Applicant: Felix Weitzman

Inventor： Felix Weitzman

IPC: G06K5/00 ,  G06F17/00 ,  G06K19/00

CPC classification number: G06Q40/02 ,  G06Q30/06

Abstract: Methods and systems are disclosed of executing a financial transaction that enable enhanced usage monitoring. Funds are received from a buyer for purchase of a single-load stored-value instrument. The single-load stored-value instrument is associated with a predefined value amount. Buyer identification information that identifies the buyer is received. The buyer identification information is stored in association with the stored-value instrument. The stored-value instrument is validated for use in making purchase by drawing from value associated with the stored-value instrument.

Abstract translation: 公开了执行能够增强使用监控的金融交易的方法和系统。 从买方收到的资金用于购买单负荷储值仪器。 单载存储值仪器与预定义的值量相关联。 收到标识买方的买方识别信息。 买方识别信息与存储值仪器相关联地存储。 存储价值工具通过从与存储价值工具相关的价值进行绘制而被验证用于进行购买。

公开(公告)号：US20080235122A1

公开(公告)日：2008-09-25

申请号：US11689602

申请日：2007-03-22

Applicant: Felix Weitzman

Inventor： Felix Weitzman

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q40/00

Abstract: Stored value instruments and tools for their use and/or administration are disclosed. In an aspect, a stored value instrument is associated with a subaccount that has access to a portion of an amount stored value in a master account. There may be many such subaccounts associated with a master account, and each subaccount may have its own associated stored value instrument. Beneficially, this arrangement can allow a master account holder to assign a specific portion of the stored value in the master account for the use of each of the stored value instruments, while still maintaining the ability to administer the master account.

Abstract translation: 披露了用于其使用和/或管理的存储价值工具和工具。 在一方面，存储价值工具与可以访问主账户中的存储值的一部分的子帐户相关联。 可能存在与主帐户相关联的许多这样的子帐户，并且每个子帐户可以具有其自己的相关联的存储值工具。 有利的是，这种安排可以允许主账户持有者在主账户中分配存储值的特定部分以使用每个存储价值工具，同时仍然保持管理主账户的能力。

公开(公告)号：US20080223922A1

公开(公告)日：2008-09-18

申请号：US11686697

申请日：2007-03-15

Applicant: Felix Weitzman

Inventor： Felix Weitzman

IPC: G06K5/00

CPC classification number: G06Q40/02 ,  G06Q30/06

Abstract: Methods and systems are disclosed of executing a financial transaction that enable enhanced usage monitoring. Funds are received from a buyer for purchase of a single-load stored-value instrument. The single-load stored-value instrument is associated with a predefined value amount. Buyer identification information that identifies the buyer is received. The buyer identification information is stored in association with the stored-value instrument. The stored-value instrument is validated for use in making purchase by drawing from value associated with the stored-value instrument.

Abstract translation: 公开了执行能够增强使用监控的金融交易的方法和系统。 从买方收到的资金用于购买单负荷储值仪器。 单载存储值仪器与预定义的值量相关联。 收到标识买方的买方识别信息。 买方识别信息与存储值仪器相关联地存储。 存储价值工具通过从与存储价值工具相关的价值进行绘制而被验证用于进行购买。

公开(公告)号：US20080114658A1

公开(公告)日：2008-05-15

申请号：US11558874

申请日：2006-11-10

Applicant: Felix Weitzman

Inventor： Felix Weitzman

IPC: G06Q40/00 ,  G06Q20/00

CPC classification number: G06Q20/4014 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/204 ,  G06Q20/28 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/125 ,  G06Q40/128 ,  G06Q2220/00

Abstract: Pre-paid negotiable instruments are issued in response to a request at a host system from the holder of a stored-value account. The request is made through an IVR system or a web interface, and the host allocates funds from the account and provides a balance remaining after the negotiable instrument is issued. The instrument is printed with a transaction number or other identifier at an issuing system, and is then sent to the account holder. The account holder activates the instrument after receipt. The payee receives the instrument and authorizes the instrument by providing the transaction number or identifier to the host. When authorized, payment is guaranteed to the payee from the issuer.

Abstract translation: 预付票据是根据主机系统从储值帐户的持有人发出的请求发出的。 该请求是通过IVR系统或Web界面进行的，并且主机从账户中分配资金，并提供在可转让票据发行后剩余的余额。 仪器在发卡系统上印有交易号码或其他标识符，然后发送给账户持有人。 帐户持有人在收到后激活仪器。 收款人通过向主机提供交易号码或标识符，接收仪器并授权仪器。 授权后，发行人向收款人保证付款。