公开(公告)号：US20090194583A1

公开(公告)日：2009-08-06

申请号：US12417317

申请日：2009-04-02

申请人： Phil M. Chakiris ,  Merrill Brooks Smith ,  Leslie G. Lowin

发明人： Phil M. Chakiris ,  Merrill Brooks Smith ,  Leslie G. Lowin

IPC分类号： G06F17/00 ,  G06K5/00

CPC分类号： H04M15/06 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/3255 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/349 ,  G06Q20/353 ,  G06Q20/354 ,  H04M1/72552 ,  H04M15/43 ,  H04M15/68 ,  H04M17/00 ,  H04M17/10 ,  H04M17/20 ,  H04M2215/0196 ,  H04M2215/2026 ,  H04M2215/32 ,  H04W4/24

摘要： Methods and systems for using a Radio Frequency Identification (RFID) payment card are disclosed herein. The method generally comprises receiving an indicia identifying an RFID card, receiving a request to activate the RFID card, activating the RFID card by associating an initial value with a database record associated with the RFID card; receiving a PIN associated with the RFID card; receiving profile information; and associating the profile information with the database record. Systems for using RFID cards generally comprise an RFID card, an RFID account associated with the RFID card, a merchant communication module that receives indicia identifying the RFID card and sends a request to activate the RFID card, and a central processor or intermediary that receives a PIN associated with the RFID card and a request to activate the RFID card from the merchant communication module.

摘要翻译： 本文公开了使用射频识别（RFID）支付卡的方法和系统。 该方法通常包括接收识别RFID卡的标记，接收激活RFID卡的请求，通过将初始值与与RFID卡相关联的数据库记录相关联来激活RFID卡; 接收与RFID卡相关联的PIN; 接收个人资料信息; 并将配置文件信息与数据库记录相关联。 用于使用RFID卡的系统通常包括RFID卡，与RFID卡相关联的RFID帐户，商家通信模块，其接收识别RFID卡并发送激活RFID卡的请求的标记，以及中央处理器或接收 与RFID卡相关联的PIN以及从商家通信模块激活RFID卡的请求。

公开(公告)号：US20220391882A1

公开(公告)日：2022-12-08

申请号：US17342331

申请日：2021-06-08

申请人： Phillip Graves ,  Merrill Brooks Smith ,  Phil M. Chakiris ,  Michael Parlotto

发明人： Phillip Graves ,  Merrill Brooks Smith ,  Phil M. Chakiris ,  Michael Parlotto

IPC分类号： G06Q20/34 ,  G06Q20/20 ,  G07B15/00 ,  G06Q20/40

摘要： The invention is directed to systems and methods of conducting transactions associated with a transit card. A method of conducting transactions may be conducted between a processor and a transit processor. Steps may include receiving a redemption request and determining if it is a pre-authorization request or a redemption; if the redemption request is a pre-authorization request, determining if the account is authorized for a particular transit type. If the account is authorized, communicating approval to the transit processor. If the account is not authorized communicating denial. If the redemption request is a redemption: determining if account value is sufficient to pay the redemption amount; if not, denying and if so approving the transaction and deducting the amount, and determining if the account value is below a pre-determined threshold for a particular transit types, and if so, updating the status of the account at a data store.

公开(公告)号：US20190147199A1

公开(公告)日：2019-05-16

申请号：US16182592

申请日：2018-11-06

申请人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris

发明人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris

IPC分类号： G06K5/00 ,  G06Q20/20

CPC分类号： G06K5/00 ,  G06Q20/202 ,  G06Q20/206 ,  H04W12/0023 ,  H04W12/00514 ,  H04W12/06 ,  H04W12/08

摘要： The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the PUS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device.

公开(公告)号：US20110153441A1

公开(公告)日：2011-06-23

申请号：US12645956

申请日：2009-12-23

申请人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris ,  David J. Etling

发明人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris ,  David J. Etling

IPC分类号： G06Q10/00 ,  G06Q40/00 ,  G06Q30/00 ,  G06F17/30 ,  G06F15/16

CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/202 ,  G06Q20/209 ,  G06Q30/0607 ,  G06Q30/0641

摘要： The invention is generally directed to a method of managing the activation and use of a specific merchandise, facilitated between at least a retailer that sells the specific merchandise, a customer that purchases the specific merchandise, and a central processor that authorizes activation and use of the specific merchandise. The method includes the steps of receiving an indicia that uniquely identifies the specific merchandise, and an activation code associated with the merchandise that will allow the merchandise to properly function; storing the indicia of the specific merchandise and the activation code; receiving a confirmation of a valid purchase transaction of the specific merchandise, the confirmation of valid sale comprising the indicia of the specific merchandise; determining the activation code associated with the specific merchandise; and providing the activation code associated with the specific merchandise to the customer.

摘要翻译： 本发明一般涉及一种管理特定商品的激活和使用的方法，在至少销售特定商品的零售商，购买特定商品的顾客和授权激活和使用该商品的中央处理器之间促成 具体商品。 该方法包括以下步骤：接收唯一地识别特定商品的标记，以及与允许商品正常工作的商品相关联的激活代码; 存储特定商品的标记和激活码; 接收特定商品的有效购买交易的确认，包括特定商品的标记的有效销售的确认; 确定与特定商品相关联的激活代码; 并向客户提供与特定商品相关联的激活代码。

公开(公告)号：US20100235249A1

公开(公告)日：2010-09-16

申请号：US12800581

申请日：2010-05-17

申请人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris

发明人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris

IPC分类号： G06Q30/00 ,  H04W4/14 ,  G06Q50/00 ,  G06Q10/00

CPC分类号： G06K5/00 ,  G06Q20/202 ,  G06Q20/206 ,  H04W12/06 ,  H04W12/08

摘要： The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the POS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device.

摘要翻译： 本发明涉及在销售点（POS）激活电子设备的系统和方法。 可以通过标记来识别设备，并且可以在购买设备之后进行激活。 该方法可以包括以下步骤：在中央处理器处从POS接收标识在POS处购买的设备的标记; 由中央处理器实现设备的特征或功能或使用该设备; 并将设备信息材料传送到特征，功能或使用。 该系统可以包括激活该设备的中央处理器。 中央处理器可以包括与POS，提供商和设备的各种接口，以及具有与该设备有关的记录的数据库，以及用于确定激活是否合适的激活处理器，激活该设备，以及向该特征发送信息材料， 功能或用于设备。

公开(公告)号：US20140200976A1

公开(公告)日：2014-07-17

申请号：US13742608

申请日：2013-01-16

申请人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris ,  Samuel Collins

发明人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris ,  Samuel Collins

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0222

摘要： Aspects of the invention may include methods and systems for conducting a transaction utilizing an indicia associated with goods or services, the indicia initially provided to an originating party by an originating merchant, but wherein the indicia may be used in a transaction at a providing merchant by an obtaining party, the transaction conducted amongst a central processor, one or more merchants that may include the originating merchant and the providing merchant, and one or more parties that may include the originating party and the obtaining party. The method may include steps such as: receiving the indicia from the providing merchant; determining whether the indicia is valid, the goods or services associated with the indicia, whether the providing merchant is the originating merchant, whether the obtaining party is the originating party, and determining a transaction price for the indicia.

摘要翻译： 本发明的方面可以包括利用与商品或服务相关联的标记进行交易的方法和系统，该标记最初由始发商提供给发起方，但是其中可以在提供商家的交易中使用该标记 获得方，在中央处理器之间进行的交易，可以包括发起商家和提供商家的一个或多个商家以及可以包括发起方和获取方的一个或多个方。 该方法可以包括以下步骤：从提供商家接收标记; 确定标记是否有效，与标记相关联的商品或服务，提供商是否是发起商家，获取方是发起方，以及确定标记的交易价格。

公开(公告)号：US20140058934A1

公开(公告)日：2014-02-27

申请号：US14053372

申请日：2013-10-14

申请人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris

发明人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris

IPC分类号： G06Q20/10

摘要： The present invention is directed to systems and methods providing payment into a pre-existing customer account with a provider of goods or services, the method facilitated between a customer, a provider of goods or services, and a processor. The method including steps such as receiving from the customer value, identifying information of the customer, and information sufficient to identify the provider and pre-existing account of the customer; accessing a payment platform of the provider; determining information required by the provider in order to provide payment into the customer account; communicating information required by the provider in order to provide payment into the customer account; and providing a value into the customer account.

摘要翻译： 本发明涉及向客户，商品或服务提供商以及处理器之间促进的方法向货物或服务的提供者提供对现有客户账户的支付的系统和方法。 该方法包括从客户价值接收，识别客户的信息以及足以识别客户的提供商和预先存在的帐户的信息的步骤; 访问提供商的支付平台; 确定提供商所需的信息，以便向客户账户提供付款; 传达提供商所需的信息，以便向客户账户提供付款; 并向客户帐户提供价值。

公开(公告)号：US20130238411A1

公开(公告)日：2013-09-12

申请号：US13742691

申请日：2013-01-16

申请人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris ,  Samuel Collins

发明人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris ,  Samuel Collins

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0214 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/3276 ,  G06Q20/3278

摘要： Aspects of the invention may include methods and systems for determining commission amounts in a multiple party transaction for the purchase of goods or services by an obtaining user, the goods or services associated with an indicia, the multiple party transaction being amongst at least an originating merchant and a providing merchant, the providing merchant in selective communication with a central processor, the method including: receiving the indicia associated with the goods or services for purchase and a purchase price; determining the goods or services associated with the indicia; determining factors associated with the multiple party transaction comprising: the purchase price; the identity of the providing merchant and providing merchant characteristics; the identity of the originating merchant and originating merchant characteristics; calculating, based at least in part on the factors: a commission, if any, for the providing merchant; and a commission, if any, for the originating merchant.

摘要翻译： 本发明的方面可以包括用于确定由获取用户购买商品或服务的多方交易中的佣金金额的方法和系统，与标记相关联的商品或服务，所述多方交易在至少起始商家中 以及提供商，所述提供商与所述中央处理器选择性地通信，所述方法包括：接收与所述商品或服务相关联的用于购买的商标和购买价格; 确定与标记相关的商品或服务; 确定与多方交易相关的因素包括：购买价格; 提供商家的身份和提供商家特征; 发起商家的身份和原始商户特征; 至少部分地基于以下因素计算：对提供商提供佣金（如果有的话）; 以及针对原始商家的佣金（如果有的话）。

公开(公告)号：US20120084162A1

公开(公告)日：2012-04-05

申请号：US12924792

申请日：2010-10-05

申请人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris

发明人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris

IPC分类号： G06Q20/00

CPC分类号： G06Q20/20 ,  G06Q20/14

摘要： The present invention is directed to systems and methods of conducting a payment system, facilitated between a computerized processor, a point-of-sale, a customer, and one or more payees to whom the customer wishes to make a payment. The method including the steps of: receiving composite payment transaction information from the customer—including identifying information of the one or more payees and an indication of the an amount of value the customer wishes to pay to each of the one or more payees, associating an identifier with the composite payment transaction information, providing the identifier to the customer, receiving the identifier from the point-of-sale, receiving an amount of value from the point-of-sale, and providing value to the one or more payees in the amount indicated by the customer in the composite payment transaction information. The system configured to provide payment in a similar manner.

摘要翻译： 本发明涉及进行支付系统的系统和方法，在计算机化处理器，销售点，客户和客户希望进行支付的一个或多个收款人之间进行。 该方法包括以下步骤：从客户接收复合支付交易信息，包括一个或多个收款人的识别信息以及客户希望向一个或多个收款人中的每一个支付的价值金额的指示， 标识符与复合支付交易信息，向客户提供标识符，从销售点接收标识符，从销售点接收一定数量的价值，以及向所述一个或多个收款人提供价值 由客户在复合支付交易信息中指示的金额。 该系统被配置为以类似的方式提供支付。

公开(公告)号：US20190007561A1

公开(公告)日：2019-01-03

申请号：US16101977

申请日：2018-08-13

申请人： Phil M. Chakiris ,  Merrill Brooks Smith ,  Phillip Craig Graves

发明人： Phil M. Chakiris ,  Merrill Brooks Smith ,  Phillip Craig Graves

IPC分类号： H04M17/02 ,  H04M17/00 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/04 ,  H04M15/00 ,  G06Q20/10

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.