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1.发明授权Methods and systems for optimizing escheat and derecognition of prepaid cards, stored value cards, credit memos and electronic payment instruments 有权优化预付卡，储值卡，贷项凭证和电子支付工具的保密和终止确认的方法和系统公开(公告)号：US08639592B1
公开(公告)日：2014-01-28
申请号：US12489373
申请日：2009-06-22
申请人： Phillip C. Rouse , Victoria Blake , Jeff Horen , Amanda Culp
发明人： Phillip C. Rouse , Victoria Blake , Jeff Horen , Amanda Culp
摘要： Methods, processes, and systems architecture utilized to integrate key attributes of the unclaimed property laws of the states of the United States and other jurisdictions, along with certain generally accepted accounting principles, into a rules-based processing platform that processes, positions, and manages prepaid cards, stored value cards, and other payment instruments with respect to escheat under the unclaimed property laws and derecognition under the accounting standards are provided. A systems architecture platform aggregates transaction data and other information and processes escheat and derecognition for the payment instruments. Each instrument in a portfolio is individually positioned and individually repositioned into single or multiple footprint systems using one or more issuers to achieve optimum compliance with escheat laws while either minimizing or maximizing the breakage that is subject to escheat. Each instrument also is individually positioned and individually repositioned with respect to derecognition to optimize compliance with applicable accounting principles while managing the breakage that is not subject to escheat.
摘要翻译： 用于将美国和其他司法管辖区的无人认领的财产法的关键属性以及某些普遍接受的会计原则结合到一个基于规则的处理，处理和管理的处理平台中的方法，过程和系统架构 提供了根据会计准则，根据无人认领的财产法和终止确认的预付卡，储值卡和其他支付工具。 系统架构平台汇总交易数据和其他信息，并处理支付工具的保密和终止确认。 投资组合中的每个工具都是单独定位的，并且单独重新定位到使用一个或多个发行者的单个或多个足迹系统中，以最大限度地符合避免法律，同时最大限度地减少或最大限度地减少受到保护的破坏。 每个工具也可以单独定位，并在终止确认时单独重新定位，以优化遵守适用的会计原则，同时管理不受保护的破坏。
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公开(公告)号：US10733682B1
公开(公告)日：2020-08-04
申请号：US14166539
申请日：2014-01-28
申请人： Phillip C. Rouse , Victoria Blake , Jeff Horen , Amanda Culp
发明人： Phillip C. Rouse , Victoria Blake , Jeff Horen , Amanda Culp
摘要： Methods, processes, and systems architecture utilized to integrate key attributes of the unclaimed property laws of the states of the United States and other jurisdictions, along with certain generally accepted accounting principles, into a rules-based processing platform that processes, positions, and manages prepaid cards, stored value cards, and other payment instruments with respect to escheat under the unclaimed property laws and derecognition under the accounting standards are provided. A systems architecture platform aggregates transaction data and other information and processes escheat and derecognition for the payment instruments. Each instrument in a portfolio is individually positioned and individually repositioned into single or multiple footprint systems using one or more issuers to achieve optimum compliance with escheat laws while either minimizing or maximizing the breakage that is subject to escheat. Each instrument also is individually positioned and individually repositioned with respect to derecognition to optimize compliance with applicable accounting principles while managing the breakage that is not subject to escheat.
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