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    System and method for electronic prepaid account replenishment
    1.
    发明授权
    System and method for electronic prepaid account replenishment 有权
    电子预付帐户补充的系统和方法

    公开(公告)号：US07909242B2

    公开(公告)日：2011-03-22

    申请号：US11552915

    申请日：2006-10-25

    申请人： Miles Paschini ,  Marshall Rose

    发明人： Miles Paschini ,  Marshall Rose

    IPC分类号： G06F17/60

    CPC分类号： G06Q20/349 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/24 ,  G06Q20/28 ,  G06Q20/346 ,  G06Q20/363 ,  G06Q20/3672 ,  G06Q20/40 ,  G07F7/0866 ,  G07F7/1008 ,  H04M17/00 ,  H04M17/20 ,  H04M17/204 ,  H04M2017/24

    摘要： A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a membership account number associated with at least the customer account. A membership account number and a payment corresponding to a requested amount of a service offered by the vendor are received from the customer at a point-of-sale. The method further includes generating, at the point-of-sale, an authorization message including at least the membership account number and embedded transaction information identifying the service offered by the vendor and the requested amount. The embedded transaction information is then communicated from the point-of-sale to a database server. The customer account is credited, in response to the embedded transaction information, based upon an amount of the payment. The method also includes electronically transferring funds based upon the amount of the payment from a first account associated with the point-of-sale to a second account associated with the vendor.

    摘要翻译： 本文公开了一种用于记录由客户供应商维护的客户帐户以响应于从客户接收的支付的方法。 该方法包括向客户发送与至少客户账户相关联的会员帐号。 在销售点从客户处收到与供应商提供的所请求的服务量相对应的会员帐号和付款。 该方法还包括在销售点生成包括至少包括会员帐户号码和识别供应商提供的服务的所嵌入的交易信息和请求的数量的授权消息。 然后将嵌入式交易信息从销售点传递到数据库服务器。 根据嵌入的交易信息，根据付款金额记入客户账户。 该方法还包括基于来自与销售点相关联的第一帐户的支付金额向与供应商相关联的第二帐户电子转帐资金。

    TRANSACTION PROCESSING PLATFORM FOR FACILITATING ELECTRONIC DISTRIBUTION OF PLURAL PREPAID SERVICES
    2.
    发明申请
    TRANSACTION PROCESSING PLATFORM FOR FACILITATING ELECTRONIC DISTRIBUTION OF PLURAL PREPAID SERVICES 审中-公开
    促进全面预防电子电子分配的交易处理平台

    公开(公告)号：US20100036743A1

    公开(公告)日：2010-02-11

    申请号：US12538083

    申请日：2009-08-07

    申请人： Roni Dolev Tamari ,  Larry Herbinaux ,  Darren New ,  Miles Paschini ,  Patrick K. Hazel ,  Marshall Rose

    发明人： Roni Dolev Tamari ,  Larry Herbinaux ,  Darren New ,  Miles Paschini ,  Patrick K. Hazel ,  Marshall Rose

    IPC分类号： G06Q30/00 ,  G06F15/16 ,  G06Q50/00

    CPC分类号： G06Q20/28 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/4012 ,  G06Q30/0621 ,  H04M15/49 ,  H04M15/51 ,  H04M17/00 ,  H04M17/20 ,  H04M2017/2593

    摘要： A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service. The platform is also configured to provide supplier response information received through the supply interfaces to the conduit interface.

    摘要翻译： 公开了能够便于向各种类型的预付产品向消费者发放的交易处理平台。 事务处理平台被配置为与这种预付产品的一个或多个提供者接口，以便于产品的采购或激活。 该平台包括一个管道接口，通过该管道接口接收服务请求消息，并分别用于为相应类型的预付费服务生成交易请求。 可操作地耦合到导管接口的供应接口布置被配置为通过与第一类型的预付费服务相关联的第一供应接口路由第一交易请求。 供应接口布置还通过与第二类型的预付费服务相关联的第二供应接口路由第二交易请求。 该平台还被配置为将通过供应接口接收的供应商响应信息提供给导管接口。

    TRANSACTION PROCESSING PLATFORM FOR FACILITATING ELECTRONIC DISTRIBUTION OF PLURAL PREPAID SERVICES
    3.
    发明申请
    TRANSACTION PROCESSING PLATFORM FOR FACILITATING ELECTRONIC DISTRIBUTION OF PLURAL PREPAID SERVICES 有权
    促进全面预防电子电子分配的交易处理平台

    公开(公告)号：US20080165941A1

    公开(公告)日：2008-07-10

    申请号：US11851337

    申请日：2007-09-06

    申请人： Roni Dolev Tamari ,  Larry Herbinaux ,  Darren New ,  Miles Paschini ,  Patrick K. Hazel ,  Marshall Rose

    发明人： Roni Dolev Tamari ,  Larry Herbinaux ,  Darren New ,  Miles Paschini ,  Patrick K. Hazel ,  Marshall Rose

    IPC分类号： H04M15/00

    CPC分类号： G06Q20/28 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/4012 ,  G06Q30/0621 ,  H04M15/49 ,  H04M15/51 ,  H04M17/00 ,  H04M17/20 ,  H04M2017/2593

    摘要： A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service. The platform is also configured to provide supplier response information received through the supply interfaces to the conduit interface.

    摘要翻译： 公开了能够便于向各种类型的预付产品向消费者发放的交易处理平台。 事务处理平台被配置为与这种预付产品的一个或多个提供者接口，以便于产品的采购或激活。 该平台包括一个管道接口，通过该管道接口接收服务请求消息，并分别用于为相应类型的预付费服务生成交易请求。 可操作地耦合到导管接口的供应接口布置被配置为通过与第一类型的预付费服务相关联的第一供应接口路由第一交易请求。 供应接口布置还通过与第二类型的预付费服务相关联的第二供应接口来路由第二交易请求。 该平台还被配置为将通过供应接口接收的供应商响应信息提供给导管接口。

    System and method for distributing personal identification numbers over a computer network
    4.
    发明授权
    System and method for distributing personal identification numbers over a computer network 有权

    公开(公告)号：US10205721B2

    公开(公告)日：2019-02-12

    申请号：US10821815

    申请日：2004-04-09

    申请人： Miles Paschini ,  Marshall Rose

    发明人： Miles Paschini ,  Marshall Rose

    IPC分类号： G06Q20/00 ,  H04L29/06 ,  H04M15/00 ,  H04M17/00 ,  H04W4/24

    摘要： The present invention comprises a system and method for providing a personal identification number (PIN) to a client terminal over a computer network. In accordance with one aspect of the present invention, a host connection manager receives a request for a PIN, which is associated with a particular monetary value. The host connection manager transmits the request for the PIN to a server, and the host connection manager receives the PIN from the server. In addition, the host connection manager is adapted to receive a client request indicative of the particular monetary value. The client request is generated at the client terminal and is transmitted from the client terminal to the host connection manager. In response to the client request, the host connection manager sends the PIN associated with the particular monetary value to the client terminal.

    Transaction processing platform for facilitating electronic distribution of plural prepaid services
    6.
    发明授权
    Transaction processing platform for facilitating electronic distribution of plural prepaid services 有权
    用于促进多个预付费服务的电子分发的交易处理平台

    公开(公告)号：US07477731B2

    公开(公告)日：2009-01-13

    申请号：US11851337

    申请日：2007-09-06

    申请人： Roni Dolev Tamari ,  Larry Herbinaux ,  Darren New ,  Miles Paschini ,  Patrick K. Hazel ,  Marshall Rose

    发明人： Roni Dolev Tamari ,  Larry Herbinaux ,  Darren New ,  Miles Paschini ,  Patrick K. Hazel ,  Marshall Rose

    IPC分类号： H04M15/00

    CPC分类号： G06Q20/28 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/4012 ,  G06Q30/0621 ,  H04M15/49 ,  H04M15/51 ,  H04M17/00 ,  H04M17/20 ,  H04M2017/2593

    摘要： A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service. The platform is also configured to provide supplier response information received through the supply interfaces to the conduit interface.

    摘要翻译： 公开了能够便于向各种类型的预付产品向消费者发放的交易处理平台。 事务处理平台被配置为与这种预付产品的一个或多个提供者接口，以便于产品的采购或激活。 该平台包括一个管道接口，通过该管道接口接收服务请求消息，并分别用于为相应类型的预付费服务生成交易请求。 可操作地耦合到导管接口的供应接口布置被配置为通过与第一类型的预付费服务相关联的第一供应接口路由第一交易请求。 供应接口布置还通过与第二类型的预付费服务相关联的第二供应接口路由第二交易请求。 该平台还被配置为将通过供应接口接收的供应商响应信息提供给导管接口。

    SYSTEM AND METHOD FOR ELECTRONIC PREPAID ACCOUNT REPLENISHMENT
    7.
    发明申请
    SYSTEM AND METHOD FOR ELECTRONIC PREPAID ACCOUNT REPLENISHMENT 有权
    电子预付帐户清算系统和方法

    公开(公告)号：US20070047703A1

    公开(公告)日：2007-03-01

    申请号：US11552915

    申请日：2006-10-25

    申请人： Miles Paschini ,  Marshall Rose

    发明人： Miles Paschini ,  Marshall Rose

    IPC分类号： H04M15/00

    CPC分类号： G06Q20/349 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/24 ,  G06Q20/28 ,  G06Q20/346 ,  G06Q20/363 ,  G06Q20/3672 ,  G06Q20/40 ,  G07F7/0866 ,  G07F7/1008 ,  H04M17/00 ,  H04M17/20 ,  H04M17/204 ,  H04M2017/24

    摘要： A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a membership account number associated with at least the customer account. A membership account number and a payment corresponding to a requested amount of a service offered by the vendor are received from the customer at a point-of-sale. The method further includes generating, at the point-of-sale, an authorization message including at least the membership account number and embedded transaction information identifying the service offered by the vendor and the requested amount. The embedded transaction information is then communicated from the point-of-sale to a database server. The customer account is credited, in response to the embedded transaction information, based upon an amount of the payment. The method also includes electronically transferring funds based upon the amount of the payment from a first account associated with the point-of-sale to a second account associated with the vendor.

    摘要翻译： 本文公开了一种用于记录由客户供应商维护的客户帐户以响应于从客户接收的支付的方法。 该方法包括向客户发送与至少客户账户相关联的会员帐号。 在销售点从客户处收到与供应商提供的所请求的服务量相对应的会员帐号和付款。 该方法还包括在销售点生成包括至少包括会员帐户号码和识别供应商提供的服务的所嵌入的交易信息和请求的数量的授权消息。 然后将嵌入式交易信息从销售点传递到数据库服务器。 根据嵌入的交易信息，根据付款金额记入客户账户。 该方法还包括基于来自与销售点相关联的第一帐户的支付金额向与供应商相关联的第二帐户电子转帐资金。

    System and method for electronic prepaid account replenishment
    8.
    发明授权
    System and method for electronic prepaid account replenishment 有权

    公开(公告)号：US07131578B2

    公开(公告)日：2006-11-07

    申请号：US10848529

    申请日：2004-05-17

    申请人： Miles Paschini ,  Marshall Rose

    发明人： Miles Paschini ,  Marshall Rose

    IPC分类号： G06F17/60

    CPC分类号： G06Q20/349 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/24 ,  G06Q20/28 ,  G06Q20/346 ,  G06Q20/363 ,  G06Q20/3672 ,  G06Q20/40 ,  G07F7/0866 ,  G07F7/1008 ,  H04M17/00 ,  H04M17/20 ,  H04M17/204 ,  H04M2017/24

    摘要： A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a membership account number associated with at least the customer account. A membership account number and a payment corresponding to a requested amount of a service offered by the vendor are received from the customer at a point-of-sale. The method further includes generating, at the point-of-sale, an authorization message including at least the membership account number and embedded transaction information identifying the service offered by the vendor and the requested amount. The embedded transaction information is then communicated from the point-of-sale to a database server. The customer account is credited, in response to the embedded transaction information, based upon an amount of the payment. The method also includes electronically transferring funds based upon the amount of the payment from a first account associated with the point-of-sale to a second account associated with the vendor.

    System and method for distributing personal identification numbers over a computer network
    9.
    发明授权
    System and method for distributing personal identification numbers over a computer network 有权

    公开(公告)号：US10320992B2

    公开(公告)日：2019-06-11

    申请号：US12786403

    申请日：2010-05-24

    申请人： Miles Paschini ,  Marshall Rose

    发明人： Miles Paschini ,  Marshall Rose

    IPC分类号： G06Q30/00 ,  H04M15/00 ,  G06Q10/08 ,  G06Q30/06 ,  H04M17/00

    摘要： The present invention comprises a system and method for managing an inventory of PINs in a PIN distribution network. The distribution network includes a hub coupled to a one or more servers and each of the servers is coupled to at least one client terminal. The system includes a hub for dynamically allocating PINs of the inventory among the servers so as to substantially maintain a quantity of PINs at each server at a desired level for each server. Additionally, the hub acquires additional PINs in response to at least one PIN in the inventory being distributed to at least one user from at least one of the client terminals. In variations, the hub maintains centralized databases and synchronizes the centralized databases with corresponding databases at each server.