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    System and Method for Processing Expiration Dates for Prepaid Cards
    2.
    发明申请
    System and Method for Processing Expiration Dates for Prepaid Cards 有权
    用于处理预付卡到期日的系统和方法

    公开(公告)号：US20130254105A1

    公开(公告)日：2013-09-26

    申请号：US13898061

    申请日：2013-05-20

    Applicant: Justin T. Monk

    Inventor： Justin T. Monk

    IPC: G06Q20/34

    CPC classification number: G06Q20/342 ,  G06Q20/20 ,  G06Q40/02

    Abstract: A prepaid card processing system is operable for processing customized expiration dates of prepaid cards. The prepaid card processing system includes a database for storing program expiration parameters associated with an issuer prepaid card program; a set of card accounts created under the issuer prepaid card program, wherein each card account has an expiration date for a prepaid card associated with the card account; and one or more customized expiration parameters for the set of card accounts. The prepaid card processing system is operable to determine the expiration date for the prepaid card associated with the card account based on the program expiration parameters and the customized expiration parameters for the set of card accounts.

    Abstract translation: 预付卡处理系统可操作用于处理预付卡的定制过期日期。 预付卡处理系统包括用于存储与发卡者预付卡程序相关联的程序到期参数的数据库; 在发行人预付卡程序下创建的一组卡片帐户，其中每个卡片帐户具有与该卡片帐户相关联的预付卡片的到期日期; 以及该卡组帐户的一个或多个定制的过期参数。 预付卡处理系统可操作以基于该卡组帐户的程序过期参数和定制的到期参数来确定与卡帐户相关联的预付卡的到期日期。

    MOBILE MANAGED SERVICE
    3.
    发明申请
    MOBILE MANAGED SERVICE 审中-公开
    移动管理服务

    公开(公告)号：US20130204785A1

    公开(公告)日：2013-08-08

    申请号：US13755213

    申请日：2013-01-31

    Applicant: Justin T. Monk ,  Jeffrey J. Motto

    Inventor： Justin T. Monk ,  Jeffrey J. Motto

    IPC: G06Q20/32

    CPC classification number: G06Q20/32 ,  G06Q20/322

    Abstract: One embodiment of the invention is directed to a method comprising receiving, at a mobile payment system, transaction information from a mobile device operated by an originating user. The method further comprises generating, by the mobile payment system, a transaction request message using the transaction information from the mobile device operated by the originating user and analyzing, by the mobile payment system, the transaction request message to determine a type of the transaction. The method further comprises processing, by the mobile payment system, the transaction based on the type of the transaction, wherein the mobile payment system is configured to integrate at least two of an issuer, acquirer, and payment processing network functional modules.

    Abstract translation: 本发明的一个实施例涉及一种方法，包括在移动支付系统处从由起始用户操作的移动设备接收交易信息。 该方法还包括由移动支付系统使用来自由起始用户操作的移动设备的交易信息生成交易请求消息，并由移动支付系统分析交易请求消息以确定交易的类型。 所述方法还包括由所述移动支付系统基于所述交易的类型处理所述交易，其中所述移动支付系统被配置为集成发行商，收单方和支付处理网络功能模块中的至少两个。

    METHOD AND SYSTEM FOR HANDLING RETURNED PAYMENT CARD ACCOUNT STATEMENTS
    4.
    发明申请
    METHOD AND SYSTEM FOR HANDLING RETURNED PAYMENT CARD ACCOUNT STATEMENTS 审中-公开
    处理退还付款卡账户的方法和系统

    公开(公告)号：US20080300895A1

    公开(公告)日：2008-12-04

    申请号：US11757980

    申请日：2007-06-04

    Applicant: Justin T. Monk

    Inventor： Justin T. Monk

    IPC: G06Q10/00 ,  G06F17/40

    CPC classification number: G06Q10/10

    Abstract: A method and system for handling returned account statements in a payment card system. In one embodiment, upon receipt of a returned account statement corresponding to a consumer's account, an indication is made in the consumer's account that an address of the consumer is invalid; and future mailing of account statements to the address are suppressed. Electronic delivery of the account statement may be activated to an email address of the consumer. In this way, no further account statements are mailed to the invalid address. A customer service representative may be alerted that the address of the consumer is invalid, and upon receiving an updated address from the consumer, and indication can be made in the consumer's account that an address of the consumer is valid, whereupon mailing of future account statements to the updated address can be activated and if desired electronic delivery of the account statement to the email address of the consumer can be terminated.

    Abstract translation: 一种用于处理支付卡系统中退回的帐单的方法和系统。 在一个实施例中，在接收到与消费者帐户相对应的退回的帐户对帐单后，在消费者帐户中指示消费者的地址无效; 并且将来将邮寄账单到地址被抑制。 可以将帐户对帐单的电子交付激活到消费者的电子邮件地址。 以这种方式，没有进一步的帐户报表邮寄到无效地址。 客户服务代表可能会被警告消费者的地址是无效的，并且一旦从消费者接收到更新的地址，并且可以在消费者的帐户中指示消费者的地址是有效的，然后邮寄未来的账单 可以激活更新的地址，并且如果需要，可以终止将账户对帐单的电子交付给消费者的电子邮件地址。

    Method and system for handling returned prepaid payment cards
    6.
    发明授权
    Method and system for handling returned prepaid payment cards 有权
    处理退款预付款卡的方法和系统

    公开(公告)号：US08290832B2

    公开(公告)日：2012-10-16

    申请号：US11757983

    申请日：2007-06-04

    Applicant: Justin T. Monk

    Inventor： Justin T. Monk

    IPC: G06Q10/00 ,  G07B17/00 ,  G07B17/02 ,  G07F19/00 ,  B65B35/00 ,  G06F9/00 ,  G06F17/00

    CPC classification number: G06Q20/407 ,  G06Q10/087 ,  G06Q20/28 ,  G06Q30/00 ,  G07F7/06

    Abstract: A method and system for handling returned prepaid device in a payment system. In one embodiment, upon receipt of a returned prepaid device corresponding to a consumer's account, a method indicates in the consumer's account that an address of the consumer is invalid; and determines whether the device should be stored in order to possibly re-send the device to the consumer if a new valid consumer address is received, or to destroy the device and refund the purchaser.

    Abstract translation: 一种用于在支付系统中处理返还的预付费设备的方法和系统。 在一个实施例中，在接收到对应于消费者帐户的返回的预付费设备之后，方法在消费者的帐户中指示消费者的地址无效; 并且如果接收到新的有效消费者地址，则确定该设备是否应被存储以便可能将设备重新发送给消费者，或者销毁设备并退还购买者。

    System, apparatus and methods for comparing fraud parameters for application during prepaid card enrollment and transactions
    8.
    发明授权
    System, apparatus and methods for comparing fraud parameters for application during prepaid card enrollment and transactions 有权
    用于比较在预付卡注册和交易期间的应用的欺诈参数的系统，装置和方法

    公开(公告)号：US07627522B2

    公开(公告)日：2009-12-01

    申请号：US11757985

    申请日：2007-06-04

    Applicant: Justin T. Monk

    Inventor： Justin T. Monk

    IPC: G06Q40/00

    CPC classification number: H04M15/00 ,  G06Q10/067 ,  G06Q20/3552 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q30/0185 ,  G06Q40/00 ,  G06Q40/025 ,  H04M15/47 ,  H04M2215/0148

    Abstract: An apparatus is disclosed. The apparatus is for comparing a set of production fraud parameters with one or more sets of test or proposed fraud parameters run against prepaid card production data in a prepaid card analysis. The apparatus may include a system for uploading a set of production fraud parameters and one or more sets of test fraud parameters, a processing engine for receiving the uploaded parameters for running production data against the set of production fraud parameters in tandem with the one or more sets of test fraud parameters to produce a set of suspected fraud cases triggered by each set of fraud parameters, and one or more databases integrated with or in communications with the processing engine for card validation.

    Abstract translation: 公开了一种装置。 该设备用于将一组生产欺诈参数与在预付卡分析中与预付卡生产数据相对应的一组或多组测试或提出的欺诈参数进行比较。 该设备可以包括用于上传一组生产欺诈参数和一组或多组测试欺诈参数的系统，处理引擎，用于接收与上述一组或多个生产欺诈参数相关的生产欺诈参数组的运行生产数据的上传参数 一组测试欺诈参数，以产生由每组欺诈参数触发的一组可疑欺诈案例，以及与用于卡验证的处理引擎集成或与之通信的一个或多个数据库。

    PORTABILITY OF FINANCIAL TOKENS
    9.
    发明申请
    PORTABILITY OF FINANCIAL TOKENS 有权
    财务人员的便利性

    公开(公告)号：US20080301048A1

    公开(公告)日：2008-12-04

    申请号：US11757837

    申请日：2007-06-04

    Applicant: Justin T. Monk

    Inventor： Justin T. Monk

    IPC: G06Q40/00

    CPC classification number: G06Q40/00 ,  G06Q20/10 ,  G06Q20/105

    Abstract: A method determines that a first relationship between a holder of a portable consumer device and a first employer is terminated. In response to determining that the first relationship is terminated, the method also disassociates account information of the portable consumer device from the first employer while retaining an association between the portable consumer device and an issuer of the portable consumer device. In addition, the method establishes a second relationship between the employee and a second employer and links the account information of the portable consumer device with the second employer.

    Abstract translation: 一种方法确定便携式消费者装置的持有人和第一雇主之间的第一关系被终止。 响应于确定第一关系终止，该方法还将便携式消费者设备的帐户信息与第一雇主分离，同时保持便携式消费者设备和便携式消费者设备的发行者之间的关联。 此外，该方法建立了雇员和第二雇主之间的第二关系，并将便携式消费者装置的帐户信息与第二雇主联系起来。

    System and method for processing fees for a card
    10.
    发明授权
    System and method for processing fees for a card 有权
    处理卡片费用的系统和方法

    公开(公告)号：US09262762B2

    公开(公告)日：2016-02-16

    申请号：US12248127

    申请日：2008-10-09

    Applicant: Justin T. Monk

    Inventor： Justin T. Monk

    IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q20/10 ,  G06Q30/06 ,  G06Q40/02 ,  G06Q40/00

    CPC classification number: G06Q20/40145 ,  G06Q20/105 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q30/06 ,  G06Q40/02 ,  G06Q40/12

    Abstract: A processing system is operable for issuance and processing of cards with fee options applicable to a group of fee types. In one embodiment, the processing system includes a processing module, a secure card network, an issuer fee database and card account database. The card issuance database is operable to store a fee record associated with a card, wherein the fee record includes the fee options configured to apply to the group of fee types. The card account database is operable to store a card account record for the card, wherein the card account record includes a universal fee access counter for tracking parameters associated with the fee options configured to apply to the group of fee types.

    Abstract translation: 处理系统可操作用于发行和处理适用于一组费用类型的具有费用选择的卡。 在一个实施例中，处理系统包括处理模块，安全卡网络，发行者费用数据库和卡帐户数据库。 卡发行数据库可操作地存储与卡相关联的费用记录，其中费用记录包括被配置为应用于费用类型的组的费用选项。 卡帐户数据库可操作地存储卡的卡帐户记录，其中卡帐户记录包括通用费用访问计数器，用于跟踪与配置为应用于费用类型的组的费用选项相关联的参数。

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