公开(公告)号：US09892410B2

公开(公告)日：2018-02-13

申请号：US14965539

申请日：2015-12-10

Applicant: First Data Corporation

Inventor： Felix Weitzman

IPC: G06Q40/00 ,  G06Q20/40 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q40/02 ,  G06Q20/38

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.

公开(公告)号：US20160155125A1

公开(公告)日：2016-06-02

申请号：US14965539

申请日：2015-12-10

Applicant: First Data Corporation

Inventor： Felix Weitzman

IPC: G06Q20/40 ,  G06Q40/00 ,  G06Q20/38

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.

公开(公告)号：US09240004B2

公开(公告)日：2016-01-19

申请号：US14464374

申请日：2014-08-20

Applicant: First Data Corporation

Inventor： Felix Weitzman

IPC: G06Q40/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/40 ,  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，并提供在可转让票据发行之后剩余的余额。 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。

公开(公告)号：US20150046334A1

公开(公告)日：2015-02-12

申请号：US14464374

申请日：2014-08-20

Applicant: First Data Corporation

Inventor： Felix Weitzman

IPC: G06Q20/04

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。