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1. 发明授权

US08818887B2 Computer-implemented methods, program product, and system for micro-loan product management 有权
标题翻译：计算机实现的方法，程序产品和微型贷款产品管理系统
公开(公告)号：US08818887B2
公开(公告)日：2014-08-26
申请号：US12338684
申请日：2008-12-18
申请人： Rebecca Ahlers , Eric Miller , Scott Galit , Trent Sorbe , Troy Larson
发明人： Rebecca Ahlers , Eric Miller , Scott Galit , Trent Sorbe , Troy Larson
IPC分类号： G06Q40/00 , G06Q20/10 , G06Q40/02 , G06Q20/40 , G06Q20/20
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/105 , G06Q20/108 , G06Q20/20 , G06Q20/40 , G06Q40/00 , G06Q40/025
摘要： Embodiments of the present invention include methods, program product and systems for card and bank product management. An embodiment of a method of advancing funds to a banking customer, for example, includes establishing a line of credit with a bank through an on-line access interface with the bank, determining whether access to funds through the line of credit should occur for a customer transaction and providing one or more preselected increments of funds for the customer transaction. A cumulative amount of the one or more preselected increments, for example, can be less than a total available line of credit for a customer having an established line of credit with the bank. The method further includes decrementing the total available line of credit by the cumulative amount of the one or more preselected increments provided for the customer transaction and a predetermined fee amount for each preselected increment of funds.
摘要翻译：本发明的实施例包括用于卡和银行产品管理的方法，程序产品和系统。例如，将资金推进到银行客户的方法的实施例包括通过与银行的在线访问接口与银行建立信用额度，确定是否应该通过信用额度获得资金客户交易，并为客户交易提供一个或多个预选的资金增量。例如，一个或多个预选增量的累积量可以小于具有与银行建立的信用额度的客户的总可用信用额度。该方法还包括将总可用信用额度减去为客户交易提供的一个或多个预选增量的累积量，以及每个预选的资金增量的预定费用金额。

2. 发明申请

US20140229366A1 METHOD FOR DEBIT CARD AND CHECKING ACCOUNT AUTODRAW 审中-公开
标题翻译：盗窃卡和检查帐户的方法
公开(公告)号：US20140229366A1
公开(公告)日：2014-08-14
申请号：US14258363
申请日：2014-04-22
申请人： METABANK
发明人： Rebecca Ahlers , Andrew Crowe , Scott Galit , Trent Sorbe
IPC分类号： G06Q40/02
CPC分类号： G06Q40/00 , G06Q20/04 , G06Q20/102 , G06Q20/204 , G06Q40/02 , G06Q40/025
摘要： A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed payment from the checking account. When the line of credit is accessed, the checking account is credited with an additional value equal to one or more preselected loan increments so that the account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed payment. Next, a new value for the line of credit balance available is determined, accounting for value credited to the checking account and a preselected loan advance fee for each loan increment credited to the account.
摘要翻译：消费者被资格认定为贷款机构电脑响应消费者承保数据的支票账户附加信用额度。贷款机构计算机可以从支票账户中获得提取的付款授权流中的信用额度行。当信用额度被访问时，支票账户被记入等于一个或多个预先选择的贷款增量的附加值，使得该账户具有总额为先前金额的新金额加上一个或多个预选贷款的价值金额增加并使新数额超过或等于拟议付款的价值。接下来，确定可用信用额度线的新值，记入贷方支票账户的价值，以及贷记到该账户的每笔贷款增加的预先选定的贷款预付费。

3. 发明申请

US20140067681A1 MACHINE, METHODS, AND PROGRAM PRODUCT FOR ELECTRONIC INVENTORY TRACKING 有权
标题翻译：电子货物跟踪的机器，方法和程序产品
公开(公告)号：US20140067681A1
公开(公告)日：2014-03-06
申请号：US14071456
申请日：2013-11-04
申请人： METABANK
发明人： Jason Brooks , Mike Wells
IPC分类号： G06Q20/40
CPC分类号： G06Q20/085 , G06Q10/0833 , G06Q10/087 , G06Q10/0875 , G06Q20/20 , G06Q20/202 , G06Q20/203 , G06Q20/40 , G06Q30/06
摘要： Machine, methods, and program product for facilitating electronic inventory tracking and management of products through messaging over a payment network, are provided. An example includes an inventory management computer in communication with a merchant POS apparatus or terminal over an existing financial services payment network and configured to receive and process purchase transaction data associated with a product being purchased, for use by a product provider. The computer can include electronic inventory management program product configured to perform various operations including receiving a purchase transaction message sent through the payment network, storing purchase transaction data, and notifying a product provider of the purchase transaction data. The purchase transaction message can include a financial services electronic payment network compatible universal product-transaction identifier, which can be received through the POS terminal in response to a consumer or merchant interfacing the product's container, or an associated purchase ticket or slip storing the transaction identifier, with the POS terminal.
摘要翻译：提供了通过支付网络通过消息传递来促进电子库存跟踪和管理产品的机器，方法和程序产品。示例包括与现有金融服务支付网络上的商家POS设备或终端通信的库存管理计算机，并且被配置为接收和处理与正在购买的产品相关联的购买交易数据，以供产品提供商使用。计算机可以包括被配置为执行各种操作的电子库存管理程序产品，包括接收通过支付网络发送的购买交易消息，存储采购交易数据，以及通知产品提供商购买交易数据。购买交易消息可以包括金融服务电子支付网络兼容通用产品交易标识符，其可以响应于消费者或商家接口产品的容器而通过POS终端接收，或者存储交易标识符的关联的购买单或单据，与POS终端。

4. 发明授权

US08538879B2 System, program product, and computer-implemented method for loading a loan on an existing pre-paid card 有权
标题翻译：系统，程序产品和计算机实现的方法，用于在现有的预付卡上装入贷款
公开(公告)号：US08538879B2
公开(公告)日：2013-09-17
申请号：US12465306
申请日：2009-05-13
申请人： Scott H. Galit , Trent Sorbe
发明人： Scott H. Galit , Trent Sorbe
IPC分类号： G06Q40/00
CPC分类号： G06Q20/06 , G06Q20/105 , G06Q20/204 , G06Q20/28 , G06Q20/342 , G06Q40/02 , G06Q40/025 , G07F7/025 , G07F7/086
摘要： Embodiments of the present invention provide systems, program products, and methods of loading a loan on a pre-paid card. A bank receives authorization from a lender to credit loan proceeds from the lender to an approved borrower on an existing pre-paid card associated with the pre-paid card processor. Next, the bank credits the loan proceeds to the pre-paid card processor for the existing pre-paid card so that the loan proceeds are released to the approved borrower and are immediately available.
摘要翻译：本发明的实施例提供系统，程序产品和在预付卡上装入贷款的方法。银行收到贷方的授权，将贷款人的贷款贷款信用证与已预付卡处理器相关的现有预付卡的已批准借款人。接下来，银行将贷款款项贷记给现有预付卡的预付卡处理器，以便贷款收益被释放给已批准的借款人，并可立即获得。

5. 发明申请

US20130232080A1 Private Label Promotion Card System, Program Product, and Associated Computer-Implemented Methods 审中-公开
公开(公告)号：US20130232080A1
公开(公告)日：2013-09-05
申请号：US13863578
申请日：2013-04-16
申请人： METABANK
发明人： Scott H. Galit
IPC分类号： G06Q20/34
CPC分类号： G06Q20/357 , G06Q20/10 , G06Q20/105 , G06Q30/0212 , G06Q30/0229 , G06Q30/0603
摘要： Embodiments of the present invention provide a private label promotion card as a bank product, being issued and managed by the bank and using an open payment network for purchase authorization and payments. A bank computer processes activation information for a promotion card and receives funds into an account at the bank on behalf of a retailer for payment for the promotion card, perhaps at a discount to a customer value of the promotion card. The bank computer authorizes purchase requests to use one or more activated promotion cards as payment for a consumer purchase from the retailer via an open payment network and transfers funds to the open payment network to satisfy the authorized consumer purchase. Upon expiration, the bank computer sweeps the account of the remaining value for expired promotion cards to thereby establish a credit for the bank.

6. 发明申请

US20130218658A1 Computer-Implemented Methods, Computer Program Products, and Machines for Management and Control of a Loyalty Rewards Network 审中-公开
标题翻译：计算机实施的方法，计算机程序产品和用于管理和控制忠诚度奖励网络的机器
公开(公告)号：US20130218658A1
公开(公告)日：2013-08-22
申请号：US13846975
申请日：2013-03-19
申请人： METABANK
发明人： Andrew B. Crowe , Scott H. Galit
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0233 , G06Q30/02 , G06Q30/0226
摘要： Machines, computer program products, and computer-implemented methods to manage and control a loyalty rewards network and to provide customer loyalty rewards to a customer for purchasing goods or services. Computer program product can determine if a customer is one of the plurality of member customers enrolled in the loyalty rewards network. If the customer is not a member, the computer program product can enroll the customer in the loyalty rewards network. As a purchase are made by member customers thereafter, the member customer swipes or otherwise enters a loyalty reward card number and the computer accumulates and stores loyalty rewards network data representative of the member customer's purchasing behavior. Upon accumulating sufficient loyalty rewards pursuant to collection parameters, the member customers can select one or more of the available loyalty reward actions and the computer program product can implement the selected one or more loyalty rewards action.
摘要翻译：机器，计算机程序产品和计算机实现的方法来管理和控制忠诚度奖励网络，并向客户提供顾客忠诚奖励以购买商品或服务。计算机程序产品可以确定客户是否是注册在忠诚度奖励网络中的多个成员客户之一。如果客户不是会员，计算机程序产品可以将顾客注册在忠诚度奖励网络中。由于成员客户之后进行购买，会员客户刷卡或输入忠诚奖励卡号，计算机累积并存储表示会员客户购买行为的忠诚奖励网络数据。根据收集参数累积足够的忠诚奖励后，会员客户可以选择一个或多个可用的忠诚奖励行动，计算机程序产品可以实现所选择的一个或多个忠诚奖励动作。

7. 发明授权

US08355984B1 Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products 有权
标题翻译：根据预期的退税收益，相关系统和计算机程序产品，将现有的存款账户，预付卡和信用额度的信用计算机化扩展
公开(公告)号：US08355984B1
公开(公告)日：2013-01-15
申请号：US13601724
申请日：2012-08-31
申请人： Scott H. Galit , Trent Sorbe
发明人： Scott H. Galit , Trent Sorbe
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/025 , G06Q40/123
摘要： Systems, computer programs encoded on non-transitory memory, and computer-implemented methods to make available new credit or additional credit to demand deposit accounts, prepaid cards, and existing lines of credit of a customer based on expected tax refund amounts. The new or additional credit being, for example, based on a computerized estimate of the tax refund of the customer. The existing line of credit, for example, is adjusted based on the expected refund and/or actual tax refund determined to be available, which can serve as an additional source of repayment for the line of credit. One or more of several adjustments may then be made to an existing line of credit: the line of credit may be increased; fees reduced; or the terms of payment adjusted.
摘要翻译：基于非暂时性内存编码的系统，计算机程序以及计算机实现的方法，以根据预期的退税金额为客户提供新的信用额度或额外的信用额度，以支付存款帐户，预付卡和客户的现有信用额度。例如，新的或额外的信用是基于对客户的退税的计算机化估计。例如，现有的信用额度是根据确定可用的预期退款和/或实际退税进行调整的，这可以作为信用额度的额外来源。然后可以对现有信贷额度进行一项或多项调整：信贷额度可能会增加; 费用减少; 或付款条件调整。

8. 发明授权

US08341021B2 System, program product, and method for debit card and checking account autodraw 有权
标题翻译：系统，程序产品和借记卡和检查帐户自动绘制方法
公开(公告)号：US08341021B2
公开(公告)日：2012-12-25
申请号：US12877490
申请日：2010-09-08
申请人： Rebecca Ahlers , Andrew B Crowe , Scott H Galit , Trent Sorbe
发明人： Rebecca Ahlers , Andrew B Crowe , Scott H Galit , Trent Sorbe
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/04 , G06Q20/102 , G06Q20/204 , G06Q40/02 , G06Q40/025
摘要： A consumer is prequalified for a line of credit attached to a checking account by a lending institution computer responsive to consumer underwriting data. The lending institution computer makes available draws to the line of credit line in an authorization stream for a proposed payment from the checking account. When the line of credit is accessed, the checking account is credited with an additional value equal to one or more preselected loan increments so that the account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed payment. Next, a new value for the line of credit balance available is determined, accounting for value credited to the checking account and a preselected loan advance fee for each loan increment credited to the account.
摘要翻译：消费者被资格认定为贷款机构电脑响应消费者承保数据的支票账户附加信用额度。贷款机构计算机可以从支票账户中获得提取的付款授权流中的信用额度行。当信用额度被访问时，支票账户被记入等于一个或多个预先选择的贷款增量的附加值，使得该账户具有总额为先前金额的新金额加上一个或多个预选贷款的价值金额增加并使新数额超过或等于拟议付款的价值。接下来，确定可用信用额度线的新值，记入贷方支票账户的价值，以及贷记到该账户的每笔贷款增加的预先选定的贷款预付费。

9. 发明申请

US20120150719A1 System, Method, And Program Product For Foreign Currency Travel Account 有权
标题翻译：外币旅行账户系统，方法和计划产品
公开(公告)号：US20120150719A1
公开(公告)日：2012-06-14
申请号：US13405079
申请日：2012-02-24
申请人： Scott Galit
发明人： Scott Galit
IPC分类号： G06Q40/04
CPC分类号： H01R13/506 , G06Q40/04 , H01R12/716 , H01R13/5202 , H01R13/5208 , H01R13/5216
摘要： Systems, program product, and methods for securing or procuring destination currency funds for a traveler to be used for travel in a destination country commencing at a scheduled future travel date, are provided. A system can include a domestic financial institution server including foreign destination currency transaction account program product. The system provides for establishing an interest-bearing foreign destination currency transaction account having a user-selected maturity date coinciding with a preselected travel date, and near, but prior to the preselected travel date, providing to the traveler a travel debit card having access to the balance of foreign destination currency funds including both principal and accrued interest.
摘要翻译：提供了一个系统，程序产品和方法，用于确保或采购目的地货币资金用于在预定的未来旅行日期开始的目的地国旅行的旅行者。系统可以包括国内金融机构服务器，包括外币目的地货币交易账户程序产品。该系统规定建立具有用户选择的到期日期的有息外币目的地货币交易账户，其与预选的旅行日期相吻合，并且在预选的旅行日期之前，向旅行者提供可访问的旅行借记卡外国目的地货币资金余额包括本金和应计利息。

10. 发明授权

US08190480B1 System, non-transitory memory with computer program, and associated methods for micro-credit to prepaid cards 有权
标题翻译：具有计算机程序的系统，非暂时性内存以及用于预付卡的小额信贷的相关方法
公开(公告)号：US08190480B1
公开(公告)日：2012-05-29
申请号：US13349423
申请日：2012-01-12
申请人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
发明人： Rebecca Ahlers , Andrew B. Crowe , Scott H. Galit , Trent Sorbe
IPC分类号： G06Q20/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/04
摘要： A lending institution computer establishes a line of credit coupled to a prepaid card account and makes available draws to the line of credit line in an authorization stream for a proposed purchase using the prepaid card account as payment. When the line of credit is accessed, the prepaid card account is loaded with an additional value of one or more predetermined loan increments so that the prepaid card account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Next, a new value for a line of credit balance available is determined, accounting for value loaded onto the prepaid card account and a predetermined loan advance fee for each loan increment loaded onto the prepaid card account.
摘要翻译：贷款机构计算机建立与预付卡账户相结合的信用额度，并使用预付卡账户作为付款，在建议购买的授权流中提供到信用额度行。当访问信用额度时，预付卡帐户被加载一个或多个预定贷款增量的额外值，使得预付卡帐户然后具有总计先前金额的新金额加上一个或多个预选贷款增量，使新金额超过或等于拟议购买价值。接下来，确定可用信用额度线的新值，计算加载到预付卡账户上的价值以及加载到预付卡账户上的每个贷方增量的预定贷款预付费。

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