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1. 发明授权

US11120462B2 Systems and methods for using indicia of membership as a partial authorization in a transaction 有权
公开(公告)号：US11120462B2
公开(公告)日：2021-09-14
申请号：US14933992
申请日：2015-11-05
申请人： Michael Parlotto , David Vielehr , Karl Denzer , David Zygmont
发明人： Michael Parlotto , David Vielehr , Karl Denzer , David Zygmont
IPC分类号： G06Q30/02 , G06Q20/20 , G06Q20/34
摘要： In accordance with some embodiments of the present invention, aspects may include systems and methods of using a membership card to obtain benefits in a purchase transaction for goods or services. The method may include steps such as receiving at a central processor a communication from a point of sale including one or more identifiers of goods or services selected in the purchase transaction and information identifying the membership card, including at least a portion of the indicia; determining by the central processor potential benefits, if any, associated with the membership card; determining by the central processor if any potential benefits are applicable to the merchant, the point of sale, or the one or more goods or services identified by the received identifiers; determining a transaction benefit amount applicable to the transaction; and sending to the point of sale a partial authorization in the amount of the transaction benefit amount.

2. 发明申请

US20120078736A1 ON-DEMAND GENERATION OF TENDER IDS FOR PROCESSING THIRD-PARTY PAYMENTS VIA MERCHANT POS SYSTEMS 审中-公开
标题翻译：通过商业POS系统处理第三方付款的投标ID的需求生成
公开(公告)号：US20120078736A1
公开(公告)日：2012-03-29
申请号：US13228299
申请日：2011-09-08
申请人： Karl Denzer , William D. Young
发明人： Karl Denzer , William D. Young
IPC分类号： G06Q20/40
CPC分类号： G06Q20/20 , G06Q20/32 , G06Q20/40
摘要： A closed loop payment system, such as those leveraged to activate or process gift cards, is employed to enable consumers to make payments for multiple payees at a plurality of retail locations. The systems, methods and techniques also enable financial settlement of the consumer payments across multiple parties, and the systems, methods and techniques enable consumers to manage an individual payment profile using an Internet connected device or mobile phone.
摘要翻译：采用闭环支付系统，例如用于激活或处理礼品卡的那些系统，以使消费者能够在多个零售地点为多个收款人付款。系统，方法和技术还能够在多方之间实现消费者支付的财务结算，系统，方法和技术使消费者能够使用互联网连接的设备或移动电话来管理个人支付资料。

3. 发明申请

US20110057025A1 GENERATION, MANAGEMENT AND USAGE OF ON-DEMAND PAYMENT IDS 审中-公开
标题翻译：产生，管理和使用不必要的付款IDS
公开(公告)号：US20110057025A1
公开(公告)日：2011-03-10
申请号：US12554443
申请日：2009-09-04
申请人： Karl Denzer , William D. Young
发明人： Karl Denzer , William D. Young
IPC分类号： G06F17/00
CPC分类号： G06Q20/20 , G06Q20/28 , G06Q20/385 , G06Q30/06
摘要： There is disclosed a method, computer program and system that support purchase transactions at merchants via a Payment ID generated on-demand and funded with a specific consumer-requested amount. The Payment ID, which could include but is not limited to a gift card ID, is then leveraged to complete a transaction at a merchant's point of sale (POS) system via the existing methods and processes inherent in the POS system. Also disclosed are related mechanisms to manage a secure database of Payment IDs and dynamically adjust the value tied to Payment IDs to account for any value due the customer from the merchant or other involved party.
摘要翻译：公开了一种方法，计算机程序和系统，其通过根据需要生成的支付ID来支持商家的购买交易，并以特定的消费者请求的数量来资助。然后，可以包括但不限于礼品卡ID的付款ID，通过POS系统中固有的现有方法和处理，在商家销售点（POS）系统中完成交易。还公开了用于管理付款ID的安全数据库的相关机制，并且动态地调整与付款ID相关联的价值，以便考虑来自商家或其他相关方的客户的任何价值。

4. 发明申请

US20080172331A1 Bill Payment Card Method and System 审中-公开
标题翻译：帐单支付卡方法和系统
公开(公告)号：US20080172331A1
公开(公告)日：2008-07-17
申请号：US11672082
申请日：2007-02-07
申请人： Phillip C. Graves , Phil M. Chakiris , Dustin Young , Karl Denzer
发明人： Phillip C. Graves , Phil M. Chakiris , Dustin Young , Karl Denzer
IPC分类号： G06Q20/00
CPC分类号： G06Q20/02 , G06Q20/06 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/14 , G06Q20/20 , G06Q20/347 , G06Q20/351
摘要： The invention is directed to a system and method for managing a payment system. The method generally comprises activating a payment card, associating a value with the payment card, associating at least one third party with the bill payment card, receiving a request from a bill payment card user to transfer at least some of the value to a selected third party, the request comprising receiving an identifier associated with the payment card and receiving an indication of an amount of value to transfer, and transferring at least some of the value to the selected third party. Systems of the invention may generally comprise one or more payment cards, a database storing a plurality of records comprising information related to the payment card; one or more communication devices; and a processor in communication with the database and in selective communication with the communication device.
摘要翻译：本发明涉及用于管理支付系统的系统和方法。该方法通常包括激活支付卡，将价值与支付卡相关联，将至少一个第三方与票据支付卡相关联，从账单支付卡用户接收请求以将该值中的至少一部分转移到所选择的第三个所述请求包括接收与所述支付卡相关联的标识符并且接收要传送的价值量的指示，以及将所述值中的至少一些转移给所选择的第三方。本发明的系统通常可以包括一个或多个支付卡，存储多个记录的数据库，包括与支付卡相关的信息; 一个或多个通信设备; 以及与数据库通信并与通信设备选择性通信的处理器。

5. 发明授权

US08407088B2 Rebate card system 有权
标题翻译：回扣卡系统
公开(公告)号：US08407088B2
公开(公告)日：2013-03-26
申请号：US12804714
申请日：2010-07-28
申请人： Phillip Craig Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
发明人： Phillip Craig Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/10 , G06Q30/0207 , G06Q30/0213 , G06Q30/0229 , G06Q30/0234 , G06Q30/0238
摘要： A method and system for using a rebate card are disclosed. The method may comprise initiating a purchase transaction for one or more products at a point of sale, determining whether the purchase transaction qualifies for a rebate, determining a rebate value based on the purchase transaction and the rebate, activating a rebate value in a rebate card account associated with a rebate card based on the determining action, and delivering the rebate card to a customer of the one or more products during the purchase transaction.
摘要翻译：公开了一种使用回扣卡的方法和系统。该方法可以包括在销售点启动一个或多个产品的购买交易，确定购买交易是否符合退税，基于购买交易确定回扣价值和返利，激活回扣卡中的回扣价值基于确定动作与回扣卡相关联的账户，以及在购买交易期间将回扣卡递送给一个或多个产品的客户。

6. 发明申请

US20100096449A1 CAUSE GIFT CARD PLATFORM FOR PROVIDING REDEMPTION OF FUNDS ACROSS MULTIPLE UNAFFILIATED ENTITIES 审中-公开
标题翻译：造成许多不利经济实体提供赎回资金的礼品卡平台
公开(公告)号：US20100096449A1
公开(公告)日：2010-04-22
申请号：US12575362
申请日：2009-10-07
申请人： Karl Denzer , Tim Dailey
发明人： Karl Denzer , Tim Dailey
IPC分类号： G06K5/00
CPC分类号： G06Q30/06
摘要： A cause gift card system allows for redemption of a gift card with one or more unaffiliated organizations—including both for-profit and not for-profit entities. The system automatically distributes any unredeemed funds to participating entities associated with the particular cause gift card type per defined business rules. The system provides for purchase of cause gift cards through retail merchants, websites, or other authorized sellers for either fixed denominations or variable amounts. The recipient can elect to direct the funds, in whole or in part, to one of a basket of pre-determined organizations that are specific to each cause gift card type, for example, environmental services, health and wellness, political actions, and more.
摘要翻译：导致礼品卡系统允许与一个或多个非附属组织（包括营利性和非营利性实体）兑换礼品卡。系统自动将任何未兑换资金分配给与定义的业务规则的特定原因礼品卡类型相关联的参与实体。该系统通过零售商，网站或其他授权卖家以固定面额或可变金额购买原因礼品卡。收件人可以选择将资金全部或部分引导到一篮子预定组织之一，这些组织具体针对每种原因的礼品卡类型，例如环境服务，健康和健康，政治行动等。

7. 发明申请

US20160055516A1 Systems and Methods for Using Indicia of Membership as a Partial Authorization in a Transaction 审中-公开
标题翻译：使用会员标识作为交易中的部分授权的系统和方法
公开(公告)号：US20160055516A1
公开(公告)日：2016-02-25
申请号：US14933992
申请日：2015-11-05
申请人： Michael Parlotto , David Vielehr , Karl Denzer , David Zygmont
发明人： Michael Parlotto , David Vielehr , Karl Denzer , David Zygmont
IPC分类号： G06Q30/02 , G06Q20/40
CPC分类号： G06Q30/0226 , G06Q20/204 , G06Q20/3574 , G06Q30/0238
摘要： In accordance with some embodiments of the present invention, aspects may include systems and methods of using a membership card to obtain, benefits in a purchase transaction for goods or services. The method may include steps such as receiving at a central processor a communication from a point of sale including one or more identifiers of goods or services selected in the purchase transaction and information identifying the membership card, including at least a portion of the indicia; determining by the central processor potential benefits, if any, associated with, the membership card; determining by the central processor if any potential benefits are applicable to the merchant, the point of sale, or the one or more goods or services identified by the received identifiers; determining a transaction benefit amount applicable to the transaction; and sending to the point of sale a partial authorization in the amount of the transaction benefit amount.
摘要翻译：根据本发明的一些实施例，方面可以包括使用会员卡来获得在商品或服务的购买交易中获益的系统和方法。该方法可以包括诸如在中央处理器处从包括在购买交易中选择的商品或服务的一个或多个标识符的销售点处接收的通信的步骤，以及标识会员卡的信息，包括标记的至少一部分; 由中央处理器确定与会员卡有关的潜在利益（如果有的话）; 由中央处理器确定是否适用于商家，销售点或由接收到的标识符识别的一个或多个商品或服务的任何潜在利益; 确定适用于交易的交易利益金额; 并将交易利益金额的部分授权发送到销售点。

8. 发明授权

US08190471B2 Rebate card system 有权
标题翻译：回扣卡系统
公开(公告)号：US08190471B2
公开(公告)日：2012-05-29
申请号：US11303258
申请日：2005-12-16
申请人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
发明人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/10 , G06Q30/0207 , G06Q30/0213 , G06Q30/0229 , G06Q30/0234 , G06Q30/0238
摘要： A method and system for using a rebate card are disclosed. The method may comprise initiating a purchase transaction for one or more products at a point of sale, determining whether the purchase transaction qualifies for a rebate, determining a rebate value based on the purchase transaction and the rebate, activating a rebate value in a rebate card account associated with a rebate card based on the determining action, and delivering the rebate card to a customer of the one or more products during the purchase transaction.
摘要翻译：公开了一种使用回扣卡的方法和系统。该方法可以包括在销售点启动一个或多个产品的购买交易，确定购买交易是否符合退税，基于购买交易确定回扣价值和返利，激活回扣卡中的回扣价值基于确定动作与回扣卡相关联的账户，以及在购买交易期间将回扣卡递送给一个或多个产品的客户。

9. 发明申请

US20070108268A1 Temporary value card method and system 有权
标题翻译：临时值卡方式和系统
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。

10. 发明授权

US08190472B2 Multiple use rebate card 有权
标题翻译：多使用回扣卡
公开(公告)号：US08190472B2
公开(公告)日：2012-05-29
申请号：US11478983
申请日：2006-06-30
申请人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
发明人： Phillip C. Graves , Phil M. Chakiris , Karl Denzer , Dustin Young
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/10 , G06Q30/02 , G06Q30/0207 , G06Q30/0219 , G06Q30/0229 , G06Q30/0234 , G06Q30/0238
摘要： Methods for using a rebate card and preventing the retention of rebate value when the product that prompted the rebate is returned are disclosed. Methods for using the rebate card may be limited for use at a particular retailer and/or for a particular manufacturer's goods or services. Methods for preventing the improper retention of rebate value may comprise: determining the amount the customer paid for the product; determining if a rebate value was provided for the product being returned; deducting the amount of the rebate from the amount the customer paid for the product; and providing the remaining amount the customer paid for the product being returned to the customer. In some embodiments of the present invention, the amount of the rebate value that was provided based on the purchase of the product being returned may be deducted from the customer's rebate account. Additionally, rebate cards may be RFID enabled.
摘要翻译：公开了使用回扣卡并且在返回提示退税的产品时防止保留回扣价值的方法。使用折扣卡的方法可能会限制在特定零售商和/或特定制造商的商品或服务中使用。防止回扣价值不正确保留的方法可以包括：确定客户为产品支付的金额; 确定是否为要退回的产品提供了回扣价值; 从客户支付的产品金额中扣除回扣金额; 并提供客户为退回给客户的产品支付的剩余金额。在本发明的一些实施例中，可以从客户的回扣帐户中扣除根据购买被退回产品而提供的回扣价值。此外，回扣卡可能会启用RFID。

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