公开(公告)号：US20080052108A1

公开(公告)日：2008-02-28

申请号：US11930567

申请日：2007-10-31

申请人： Merrill Smith ,  Phillip Graves

发明人： Merrill Smith ,  Phillip Graves

IPC分类号： G06Q10/00

CPC分类号： G06Q20/202 ,  H04W12/1206

摘要： Methods of activating a communication device are disclosed. These methods may comprise receiving at a central processor an authorization request from a merchant terminal at the merchant store to authorize activation of a communication device, the central processor being in selective communication with the merchant terminal and a communications service provider; determining at the central processor whether the communication device was validly sold from the merchant store in a purchase transaction; authorizing at the central processor activation of the communication device, responsive to a determination that the communication device was validly sold from the merchant store in a purchase transaction; informing the communications service provider that the communication device is authorized and ready for activation; receiving at the central processor an activation notification from the communications service provider; and sending an activation notification message to the communication device.

摘要翻译： 公开了激活通信设备的方法。 这些方法可以包括在中央处理器处接收来自商家商店的商家终端的授权请求，以授权通信设备的激活，中央处理器与商家终端和通信服务提供商选择性地通信; 在中央处理器中确定通信设备是否在购买交易中从商店有效地出售; 在所述中央处理器激活所述通信设备时，响应于所述通信设备在购买交易中有效地从所述商店出售的确定; 通知通信服务提供商通信设备被授权并准备激活; 在所述中央处理器处接收来自所述通信服务提供商的激活通知; 以及向所述通信设备发送激活通知消息。

公开(公告)号：US20070187492A1

公开(公告)日：2007-08-16

申请号：US11691766

申请日：2007-03-27

申请人： Phillip Graves ,  Merrill Smith ,  Phil Chakiris

发明人： Phillip Graves ,  Merrill Smith ,  Phil Chakiris

IPC分类号： G06K5/00 ,  G06Q40/00

CPC分类号： G06Q20/28 ,  G06Q20/40 ,  G06Q30/0215

摘要： A computer-implemented method for processing a stored-value card transaction request in a card data management system is presented. The management system has a central processor in communication with one or more point-of-sale terminals over a communications network. Each terminal has a unique terminal identifier and is associated with a location and a prepaid card merchant. The central processor is in communication with a database having stored therein a plurality of card records. Each of these card records contains data associated with a stored-value card distributed to a prepaid card merchant for further distribution to purchasers at a location controlled by the prepaid card merchant. The transaction request comprises a requesting terminal identifier, a card identifier assigned to a stored value card, and information indicative of a requested transaction type. The method further comprises determining if the requesting terminal is authorized to request the requested transaction type for the stored value card.

摘要翻译： 提出了一种用于在卡数据管理系统中处理存储卡交易请求的计算机实现的方法。 管理系统具有通过通信网络与一个或多个销售点终端进行通信的中央处理器。 每个终端具有唯一的终端标识符，并且与位置和预付卡商家相关联。 中央处理器与其中存储有多个卡记录的数据库通信。 这些卡片记录中的每一张都包含与分配给预付卡商家的储值卡相关联的数据，以便在由预付费卡商家控制的位置进一步分配给购买者。 交易请求包括请求终端标识符，分配给存储卡的卡标识符和指示所请求的交易类型的信息。 该方法还包括确定请求终端是否被授权请求存储值卡的所请求的交易类型。

公开(公告)号：US20070118478A1

公开(公告)日：2007-05-24

申请号：US11672689

申请日：2007-02-08

申请人： Phillip Graves ,  Merrill Smith

发明人： Phillip Graves ,  Merrill Smith

IPC分类号： G06Q40/00

CPC分类号： G07F7/08 ,  G06Q20/04 ,  G06Q20/0652 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/04 ,  H04M15/00 ,  H04M15/06 ,  H04M15/48 ,  H04M15/51 ,  H04M15/68 ,  H04M15/715 ,  H04M15/8083 ,  H04M17/00 ,  H04M17/10 ,  H04M2017/2518 ,  H04M2017/2525 ,  H04M2017/2568 ,  H04M2215/0156 ,  H04M2215/0184 ,  H04M2215/0192 ,  H04M2215/0196 ,  H04M2215/2033 ,  H04M2215/54 ,  H04M2215/7027

摘要： A system and method for adding value into a customer's stored-value account is provided. A stored-value card is distributed to a merchant for distribution to a customer who has an account with a specific provider of goods and/or services. The stored-value card has an associated identifier that can be used to associate a stored value with the card. The associated stored value is redeemable with one or more providers, including the specific provider. The account has an associated account number. During a card purchase transaction, a central processor receives a request to activate the card from a merchant terminal. The central processor receives a redemption request from the customer, wherein the redemption request includes the identifier. The central processor identifies the provider and the account number. The central processor inserts the associated value into the account, for instance by passing a value insertion request to the provider. The central processor receives a subsequent request to activate the card from a different merchant terminal. The central processor recognizes the card, identifies the provider and account number, and automatically inserts the value into the account.

摘要翻译： 提供了一种将价值增加到客户的储值账户中的系统和方法。 将储值卡分发给商家以分配给具有与特定货物和/或服务提供商的帐户的客户。 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。 相关联的存储值可以与一个或多个提供程序（包括特定提供程序）一起兑换。 该帐户有一个关联的帐号。 在卡购买交易期间，中央处理器从商家终端接收到激活卡的请求。 中央处理器接收来自客户的兑换请求，其中兑换请求包括标识符。 中央处理器识别提供商和帐号。 中央处理器将关联的值插入到帐户中，例如通过向提供者传递值插入请求。 中央处理器接收来自不同商家终端的随后的激活卡的请求。 中央处理器识别卡，识别提供商和帐号，并自动将该值插入到帐户中。

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：US20070118477A1

公开(公告)日：2007-05-24

申请号：US11672204

申请日：2007-02-07

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 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/342 ,  G06Q20/40 ,  G06Q30/06 ,  G07F7/025

摘要： The present invention is directed at systems and methods of inserting value into a customer account with a provider of goods or services. Methods may comprise distributing to a customer a bill pay card wherein the bill pay cards comprise information sufficient to identify the provider of goods or services, the customer, and the customer's account with the provider of goods or services; presenting the bill pay card at a point of sale (POS) location; reading or otherwise obtaining from the bill pay card the information thereon; receiving value from the customer; and crediting the value received from the customer to the customer's account with the provider of goods or services. Systems may comprise a bill pay card; a provider of goods or services; and a POS.

摘要翻译： 本发明涉及将商品或服务提供商的价值插入客户账户的系统和方法。 方法可以包括向客户分发账单支付卡，其中账单支付卡包括足以识别货物或服务的提供者的信息，客户和与货物或服务的提供者的客户的帐户; 在销售点（POS）位置呈现票据支付卡; 从账单支付卡读取或以其他方式获得有关信息; 从客户那里获得价值; 并将货物或服务提供商从客户收到的价值记入客户的账户。 系统可以包括账单支付卡; 货物或服务提供者; 和POS。

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：US20080020734A1

公开(公告)日：2008-01-24

申请号：US11871393

申请日：2007-10-12

申请人： Merrill Smith ,  Phillip Graves

发明人： Merrill Smith ,  Phillip Graves

IPC分类号： H04M1/66

CPC分类号： H04W12/1206 ,  H04W12/08

摘要： Systems and methods of authorizing the activation of a previously functioning by subsequently deactivated or disabled communication device are disclosed. The method comprises receiving at a central processor an authorization request from a merchant terminal at the merchant store to authorize activation of a communication device, the central processor being in selective communication with the merchant terminal and a communications service provider; determining at the central processor whether the communication device was validly sold from the merchant store in a purchase transaction; authorizing at the central processor activation of the communication device, responsive to a determination that the communication device was validly sold from the merchant store in a purchase transaction; and sending a notification from the central processor to the communications service provider that the communication device is authorized and ready for activation.

摘要翻译： 公开了授权通过随后的去激活或禁用的通信设备激活先前功能的系统和方法。 该方法包括在中央处理器处接收来自商家商店的商家终端的授权请求以授权通信设备的激活，所述中央处理器与商家终端和通信服务提供商进行选择性通信; 在中央处理器中确定通信设备是否在购买交易中从商店有效地出售; 在所述中央处理器激活所述通信设备时，响应于所述通信设备在购买交易中有效地从所述商店出售的确定; 以及从所述中央处理器向所述通信服务提供商发送通知所述通信设备被授权并准备好激活的通知。

公开(公告)号：US20050107068A1

公开(公告)日：2005-05-19

申请号：US10778338

申请日：2004-02-17

申请人： Merrill Smith ,  Phillip Graves

发明人： Merrill Smith ,  Phillip Graves

IPC分类号： H04W12/12 ,  H04B1/38 ,  H04M11/00

CPC分类号： H04W12/12 ,  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：US20050051619A1

公开(公告)日：2005-03-10

申请号：US10655828

申请日：2003-09-05

申请人： Phillip Graves ,  Merrill Smith

发明人： Phillip Graves ,  Merrill Smith

IPC分类号： G06K5/00 ,  G06Q20/00 ,  G07F7/10 ,  G07F7/12 ,  H04L9/00 ,  H04L12/16

CPC分类号： G06Q20/28 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/3552 ,  G06Q20/3558 ,  G06Q20/3829 ,  G07F7/1008

摘要： A computerized system and method for securely authorizing and distributing stored-value card data over a communications network is provided. The method allows for storing in the database a plurality of records comprising stored-value card data for each stored-value card as well as information identifying a plurality of trusted sources of stored-value card activation requests and/or a plurality of trusted communications networks for transmitting stored-value card activation requests. A transmitting step allows for a requesting terminal to transmit over a communications network a request to change the status of a stored-value card. The central processor then determines whether the requesting terminal and/or the communications network is a trusted source. Based on whether the requesting terminal or communications network is a trusted source or trusted communications network, the request can be processed and the card can be activated. A method for establishing a list of trusted sources and trusted communications networks is also provided.

摘要翻译： 提供了一种用于通过通信网络安全地授权和分发储值卡数据的计算机化系统和方法。 该方法允许在数据库中存储包括用于每个存储值卡的存储值卡数据的多个记录以及识别存储值卡激活请求和/或多个可信通信网络的多个可信源的信息 用于发送储值卡激活请求。 发送步骤允许请求终端通过通信网络发送改变存储卡状态的请求。 然后，中央处理器确定请求终端和/或通信网络是否是可信源。 基于请求终端或通信网络是信任源还是信任通信网络，可以处理该请求并且可以激活该卡。 还提供了用于建立可信源和可信任通信网络的列表的方法。

公开(公告)号：US20080003977A1

公开(公告)日：2008-01-03

申请号：US11778698

申请日：2007-07-17

申请人： Phil Chakiris ,  Phillip Graves ,  John Guest ,  Leslie Lowin

发明人： Phil Chakiris ,  Phillip Graves ,  John Guest ,  Leslie Lowin

IPC分类号： H04M11/00

CPC分类号： G06Q20/10 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3255

摘要： The present invention discloses systems and methods for managing the transfer of value to a third party using short messaging Services (SMS) communications. Methods for using SMS to transfer value to a third party comprises providing the payment card to a user; activating the payment card; initiating a transaction associated with the payment card; receiving via SMS communications an identifier associated with the payment card; associating value with the payment card; determining an amount of value associated with the payment card; providing an indication of the amount of value associated with the bill payment card to the payment card user via SMS communications; associating at least one third party with the payment card; selecting a third party to be associated with the transaction; receiving from the user an amount of value to transfer to the third party; transferring to the third party the amount of value; and terminating the transaction.

摘要翻译： 本发明公开了使用短消息服务（SMS）通信来管理向第三方转移价值的系统和方法。 使用SMS将价值转移给第三方的方法包括向用户提供支付卡; 激活支付卡; 发起与支付卡相关联的交易; 通过SMS通信接收与所述支付卡相关联的标识符; 将价值与支付卡相关联; 确定与所述支付卡相关联的价值的数量; 通过SMS通信向支付卡用户提供与账单支付卡相关联的价值量的指示; 将至少一个第三方与支付卡相关联; 选择与交易相关联的第三方; 从用户那里收到转移给第三方的价值; 向第三方转让价值; 并终止交易。