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。

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：USD396099S

公开(公告)日：1998-07-14

申请号：US067432

申请日：1997-03-07

申请人： Phillip Graves

设计人： Phillip Graves

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：US20070108268A1

公开(公告)日：2007-05-17

申请号：US11273874

申请日：2005-11-15

申请人： Phillip Graves ,  Dustin Young ,  Phil Chakiris ,  Karl Denzer

发明人： Phillip Graves ,  Dustin Young ,  Phil Chakiris ,  Karl Denzer

IPC分类号： G06K5/00 ,  G06Q40/00

CPC分类号： G06Q20/3433 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/343 ,  G06Q30/06 ,  G07F7/02

摘要： A method for using a temporary value card is provided. A first value is determined base upon a selection of goods or services from a provider. The temporary value card is sold at a POS. The first value is associated with the temporary value card.

摘要翻译： 提供了一种使用临时值卡的方法。 第一个值是根据提供者选择的商品或服务确定的。 临时价值卡在POS上出售。 第一个值与临时值卡相关联。

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：US20060217996A1

公开(公告)日：2006-09-28

申请号：US11237950

申请日：2005-09-29

申请人： Phillip Graves

发明人： Phillip Graves

IPC分类号： G06Q99/00

CPC分类号： G06Q20/20 ,  G06Q20/105 ,  G06Q20/407 ,  G06Q40/00 ,  G06Q50/265

摘要： This method and apparatus may activate removable or portable media devices (or accounts associated therewith), such as flash drives, USB drives, external hard drives, thumb drives, memory cards of various formats (SD, CF, xD, Memory Card Duo), SIM cards, other phone cards, or other devices containing a writable and/or readable memory. The devices may be activated after purchase based on a communication between a central processor and a device or device user. Further, this method and apparatus may activate an account related to a media device at a point-of-sale (“POS”), and may later activate the device by communicating with an account activation processor. Activation and deactivation of the device (or account) may further be based on a confirmation or cancellation of a purchase transaction associated with the device, such as a purchase of the device.

摘要翻译： 该方法和装置可以激活可移动或便携式媒体设备（或与其相关的帐户），诸如闪存驱动器，USB驱动器，外部硬盘驱动器，拇指驱动器，各种格式的存储卡（SD，CF，xD，存储卡Duo） SIM卡，其他电话卡或包含可写入和/或可读存储器的其他设备。 基于中央处理器和设备或设备用户之间的通信，可以在购买之后激活设备。 此外，该方法和装置可以在销售点（“POS”）激活与媒体设备相关的帐户，并且随后可以通过与帐户激活处理器通信来激活该设备。 设备（或帐户）的激活和停用可以进一步基于与设备相关联的购买交易的确认或取消，例如购买设备。

公开(公告)号：US20050247798A1

公开(公告)日：2005-11-10

申请号：US11116243

申请日：2005-04-28

申请人： Phillip Graves ,  Sean Chariker

发明人： Phillip Graves ,  Sean Chariker

IPC分类号： B42D15/10 ,  G06K5/00 ,  G06K19/04 ,  G06K19/06 ,  G06K19/08

CPC分类号： G06K19/04 ,  G06K19/06187 ,  G06K19/08

摘要： A card assembly comprising a display portion and a transaction card is provided. The display portion comprises a substantially planar substrate. The transaction card comprises a substantially rectangular and substantially planar substrate having first and second short edges and first and second long edges. The transaction card further comprises at least one magnetic stripe having a card identification number encoded thereon. The at least one magnetic stripe is substantially parallel to the long edges. The transaction card is detachably coupled to the display portion at a coupling interface located along one of the short edges. The card assembly may be configured so that the transaction card can be inserted into a card-reading device while the transaction card is still attached to the display portion.

摘要翻译： 提供一种包括显示部分和交易卡的卡组件。 显示部分包括基本平坦的基板。 交易卡包括具有第一和第二短边缘以及第一和第二长边缘的基本上矩形且基本上平坦的基板。 交易卡还包括至少一个具有在其上编码的卡标识号的磁条。 至少一个磁条基本上平行于长边缘。 交易卡在沿着短边缘之一的耦合接口处可拆卸地耦合到显示部分。 卡组件可以被配置为使得交易卡可以在交易卡仍然附着到显示部分的同时被插入读卡装置中。

公开(公告)号：US20140046737A1

公开(公告)日：2014-02-13

申请号：US13959379

申请日：2013-08-05

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： G06Q20/28

CPC分类号： G06Q20/28 ,  G06Q20/0655 ,  G06Q20/20 ,  G06Q20/342 ,  G06Q20/349 ,  G06Q20/352 ,  G06Q20/354 ,  G06Q20/4037

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.

摘要翻译： 本发明涉及进行与过境卡相关联的交易的系统和方法。 可以在处理器和转接处理器之间进行交易的方法。 步骤可能包括接收兑换请求并确定是否是预授权请求或兑换; 如果兑换请求是预授权请求，则确定帐户是否被授权用于特定的转接类型。 如果该帐户被授权，则通知批准给中转处理器。 如果该帐户未通过拒绝通信。 如果兑换请求是赎回：确定账户价值是否足以支付赎回金额; 如果不是，否则批准交易并扣除金额，并确定帐户价值是否低于特定运输类型的预定阈值，如果是，则在数据商店更新该帐户的状态。