公开(公告)号：US20090078755A1

公开(公告)日：2009-03-26

申请号：US12284194

申请日：2008-09-19

Applicant: Thomas J. Sullivan ,  J. Simmons Graves

Inventor： Thomas J. Sullivan ,  J. Simmons Graves

IPC: G06F17/00

CPC classification number: G06Q20/342 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/343 ,  G06Q20/3433 ,  G06Q20/351 ,  G06Q20/363 ,  G06Q20/40 ,  G06Q20/4018 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06

Abstract: A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

Abstract translation: 用于通过通信网络激活，发行和以其他方式管理与储值卡有关的交易和活动的计算机化系统。 提供了一个中央信息数据库，用于通过通用中央处理器经由相应的通信网关来存储直接从相应的存储卡持卡人和卡购买者PC接收的储值卡持卡人和卡购买者信息。 中央处理器被耦合用于实时通信到由相应主机正常操作的多个无关联的存储值卡处理网络。 每个网络包括耦合到存储值卡数据库和多个相应商家通信设备的存储值卡处理器。 中央处理器被编程用于通过相应的无关联网络管理存储卡的交易和活动的激活和发行。 通用中央处理器被编程为通过相应的通信网关下载，将存储卡直接发放给持卡人或卡片购买者。 通用中央处理器进一步编程为向持卡人和商家报告卡的激活，发行，交易和活动，从而提供通用管理系统。

公开(公告)号：US20120323779A1

公开(公告)日：2012-12-20

申请号：US13588052

申请日：2012-08-17

Applicant: Thomas J. Sullivan ,  J. Simmons Graves

Inventor： Thomas J. Sullivan ,  J. Simmons Graves

IPC: G06Q20/34

CPC classification number: G06Q20/342 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/343 ,  G06Q20/3433 ,  G06Q20/351 ,  G06Q20/363 ,  G06Q20/40 ,  G06Q20/4018 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06

Abstract: A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

Abstract translation: 用于通过通信网络激活，发行和以其他方式管理与储值卡有关的交易和活动的计算机化系统。 提供了一个中央信息数据库，用于通过通用中央处理器经由相应的通信网关来存储直接从相应的存储卡持卡人和卡购买者PC接收的储值卡持卡人和卡购买者信息。 中央处理器被耦合用于实时通信到由相应主机正常操作的多个无关联的存储值卡处理网络。 每个网络包括耦合到存储值卡数据库和多个相应商家通信设备的存储值卡处理器。 中央处理器被编程用于通过相应的无关联网络管理存储卡的交易和活动的激活和发行。 通用中央处理器被编程为通过相应的通信网关下载，将存储卡直接发放给持卡人或卡片购买者。 通用中央处理器进一步编程为向持卡人和商家报告卡的激活，发行，交易和活动，从而提供通用管理系统。

公开(公告)号：US08245910B2

公开(公告)日：2012-08-21

申请号：US12284194

申请日：2008-09-19

Applicant: Thomas J. Sullivan ,  J. Simmons Graves

Inventor： Thomas J. Sullivan ,  J. Simmons Graves

IPC: G07F19/00

CPC classification number: G06Q20/342 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/343 ,  G06Q20/3433 ,  G06Q20/351 ,  G06Q20/363 ,  G06Q20/40 ,  G06Q20/4018 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06

Abstract: A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

Abstract translation: 用于通过通信网络激活，发行和以其他方式管理与储值卡有关的交易和活动的计算机化系统。 提供了一个中央信息数据库，用于通过通用中央处理器经由相应的通信网关来存储直接从相应的存储卡持卡人和卡购买者PC接收的储值卡持卡人和卡购买者信息。 中央处理器被耦合用于实时通信到由相应主机正常操作的多个无关联的存储值卡处理网络。 每个网络包括耦合到存储值卡数据库和多个相应商家通信设备的存储值卡处理器。 中央处理器被编程用于通过相应的无关联网络管理存储卡的交易和活动的激活和发行。 通用中央处理器被编程为通过相应的通信网关下载，将存储卡直接发放给持卡人或卡片购买者。 通用中央处理器进一步编程为向持卡人和商家报告卡的激活，发行，交易和活动，从而提供通用管理系统。