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1. 发明授权

US08256682B2 Foldable data card assembly and method 有权
标题翻译：可折叠数据卡组合和方法
公开(公告)号：US08256682B2
公开(公告)日：2012-09-04
申请号：US11232573
申请日：2005-09-22
申请人： Phil M. Chakiris , Chandilyn Smith , Brian Blasius
发明人： Phil M. Chakiris , Chandilyn Smith , Brian Blasius
IPC分类号： G06K7/00
CPC分类号： B42D15/045 , G06Q20/348 , G06Q20/354 , G06Q20/357 , G07F7/02
摘要： A foldable data card assembly and method are disclosed. The foldable data card assembly comprises a base assembly with a left portion, a middle portion, and a right potion. The left portion or the middle portion contains an aperture. A data card is enclosed within the base assembly such that the aperture is aligned with a special number on the data card. A security barrier is placed adjacent to the personal account number on the data card, but the security barrier is not placed between the aperture and the special number on the card. During manufacture, the special number is read from the card through the aperture, and the special number used to generate activation information which is printed on the package. The activation information is read at the point of sale, and used to activate the account associated with the activation information.
摘要翻译：公开了可折叠数据卡组件和方法。可折叠数据卡组件包括具有左部分，中间部分和右部分的基部组件。左部分或中间部分包含孔。数据卡封装在基座组件内，使得孔径与数据卡上的特殊编号对齐。安全屏障靠近数据卡上的个人帐号放置，但安全屏障不放置在光圈和卡上的特殊号码之间。在制造过程中，通过孔径从卡片读取特殊号码，以及用于生成打印在包装上的激活信息的特殊号码。在销售点读取激活信息，并用于激活与激活信息相关联的帐户。

2. 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。

3. 发明授权

US10152614B2 Systems and methods for electronic device point-of-sale activation 有权
公开(公告)号：US10152614B2
公开(公告)日：2018-12-11
申请号：US14067541
申请日：2013-10-30
申请人： Merrill Brooks Smith , Phillip Craig Graves , Phil M Chakiris
发明人： Merrill Brooks Smith , Phillip Craig Graves , Phil M Chakiris
IPC分类号： G06K5/00 , G06Q20/20 , H04W12/08 , H04W12/06
摘要： The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the POS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device.

4. 发明授权

US08925823B2 Activation number generation and association 有权
标题翻译：激活号码生成和关联
公开(公告)号：US08925823B2
公开(公告)日：2015-01-06
申请号：US11444753
申请日：2006-05-31
申请人： Phil M. Chakiris , Chandilyn Smith , Brian Blasius
发明人： Phil M. Chakiris , Chandilyn Smith , Brian Blasius
IPC分类号： G06K19/00 , G07F7/02 , B42D15/04 , G06Q20/34
CPC分类号： G07F7/02 , B42D15/045 , G06Q20/3437
摘要： The present invention is generally directed to methods of manufacturing data card assemblies. These methods generally comprise manufacturing or purchasing a data card comprising a special number, wherein the special number is associated with a particular data card account; packaging the data cards in a package such that the special number is visible; generating activation information; reading the special number on the data card; recording the activation information on the package; and associating the special number with the particular activation information recorded on the package. Some embodiments of the present invention may further comprise conveying the association between the activation information and the special number to an intermediary managing the data card accounts. Some embodiments of the present invention may further comprise generating a special number associated with a particular data card account; and generating activation information associated with a particular special number.
摘要翻译：本发明一般涉及制造数据卡组件的方法。这些方法通常包括制造或购买包括特殊号码的数据卡，其中特殊号码与特定数据卡帐户相关联; 将数据卡包装在包装中，使特殊号码可见; 生成激活信息; 读取数据卡上的特殊号码; 将激活信息记录在包装上; 并将特殊号码与记录在包装上的特定激活信息相关联。本发明的一些实施例还可以包括将激活信息和特殊号码之间的关联传送到管理数据卡帐户的中间件。本发明的一些实施例还可以包括生成与特定数据卡帐户相关联的特殊号码; 以及生成与特定特定数字相关联的激活信息。

5. 发明申请

US20140200976A1 Transferable Indicia and Display 审中-公开
标题翻译：可转让标示和显示
公开(公告)号：US20140200976A1
公开(公告)日：2014-07-17
申请号：US13742608
申请日：2013-01-16
申请人： Merrill Brooks Smith , Phillip Craig Graves , Phil M. Chakiris , Samuel Collins
发明人： Merrill Brooks Smith , Phillip Craig Graves , Phil M. Chakiris , Samuel Collins
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0222
摘要： Aspects of the invention may include methods and systems for conducting a transaction utilizing an indicia associated with goods or services, the indicia initially provided to an originating party by an originating merchant, but wherein the indicia may be used in a transaction at a providing merchant by an obtaining party, the transaction conducted amongst a central processor, one or more merchants that may include the originating merchant and the providing merchant, and one or more parties that may include the originating party and the obtaining party. The method may include steps such as: receiving the indicia from the providing merchant; determining whether the indicia is valid, the goods or services associated with the indicia, whether the providing merchant is the originating merchant, whether the obtaining party is the originating party, and determining a transaction price for the indicia.
摘要翻译：本发明的方面可以包括利用与商品或服务相关联的标记进行交易的方法和系统，该标记最初由始发商提供给发起方，但是其中可以在提供商家的交易中使用该标记获得方，在中央处理器之间进行的交易，可以包括发起商家和提供商家的一个或多个商家以及可以包括发起方和获取方的一个或多个方。该方法可以包括以下步骤：从提供商家接收标记; 确定标记是否有效，与标记相关联的商品或服务，提供商是否是发起商家，获取方是发起方，以及确定标记的交易价格。

6. 发明申请

US20140058934A1 Systems and Methods for the Payment of Customer Bills Utilizing Payment Platform of Biller 审中-公开
标题翻译：使用Biller付款平台支付客户账单的制度和方法
公开(公告)号：US20140058934A1
公开(公告)日：2014-02-27
申请号：US14053372
申请日：2013-10-14
申请人： Merrill Brooks Smith , Phillip Craig Graves , Phil M. Chakiris
发明人： Merrill Brooks Smith , Phillip Craig Graves , Phil M. Chakiris
IPC分类号： G06Q20/10
摘要： The present invention is directed to systems and methods providing payment into a pre-existing customer account with a provider of goods or services, the method facilitated between a customer, a provider of goods or services, and a processor. The method including steps such as receiving from the customer value, identifying information of the customer, and information sufficient to identify the provider and pre-existing account of the customer; accessing a payment platform of the provider; determining information required by the provider in order to provide payment into the customer account; communicating information required by the provider in order to provide payment into the customer account; and providing a value into the customer account.
摘要翻译：本发明涉及向客户，商品或服务提供商以及处理器之间促进的方法向货物或服务的提供者提供对现有客户账户的支付的系统和方法。该方法包括从客户价值接收，识别客户的信息以及足以识别客户的提供商和预先存在的帐户的信息的步骤; 访问提供商的支付平台; 确定提供商所需的信息，以便向客户账户提供付款; 传达提供商所需的信息，以便向客户账户提供付款; 并向客户帐户提供价值。

7. 发明申请

US20130238411A1 Transferable Indicia and Display with Related Commissioning System 审中-公开
标题翻译：相关调试系统的可转移标示和显示
公开(公告)号：US20130238411A1
公开(公告)日：2013-09-12
申请号：US13742691
申请日：2013-01-16
申请人： Merrill Brooks Smith , Phillip Craig Graves , Phil M. Chakiris , Samuel Collins
发明人： Merrill Brooks Smith , Phillip Craig Graves , Phil M. Chakiris , Samuel Collins
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0214 , G06Q20/12 , G06Q20/20 , G06Q20/3276 , G06Q20/3278
摘要： Aspects of the invention may include methods and systems for determining commission amounts in a multiple party transaction for the purchase of goods or services by an obtaining user, the goods or services associated with an indicia, the multiple party transaction being amongst at least an originating merchant and a providing merchant, the providing merchant in selective communication with a central processor, the method including: receiving the indicia associated with the goods or services for purchase and a purchase price; determining the goods or services associated with the indicia; determining factors associated with the multiple party transaction comprising: the purchase price; the identity of the providing merchant and providing merchant characteristics; the identity of the originating merchant and originating merchant characteristics; calculating, based at least in part on the factors: a commission, if any, for the providing merchant; and a commission, if any, for the originating merchant.
摘要翻译：本发明的方面可以包括用于确定由获取用户购买商品或服务的多方交易中的佣金金额的方法和系统，与标记相关联的商品或服务，所述多方交易在至少起始商家中以及提供商，所述提供商与所述中央处理器选择性地通信，所述方法包括：接收与所述商品或服务相关联的用于购买的商标和购买价格; 确定与标记相关的商品或服务; 确定与多方交易相关的因素包括：购买价格; 提供商家的身份和提供商家特征; 发起商家的身份和原始商户特征; 至少部分地基于以下因素计算：对提供商提供佣金（如果有的话）; 以及针对原始商家的佣金（如果有的话）。

8. 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。

9. 发明申请

US20120084162A1 Systems and methods for conducting a composite bill payment transaction 审中-公开
标题翻译：进行复合账单支付交易的系统和方法
公开(公告)号：US20120084162A1
公开(公告)日：2012-04-05
申请号：US12924792
申请日：2010-10-05
申请人： Merrill Brooks Smith , Phillip Craig Graves , Phil M. Chakiris
发明人： Merrill Brooks Smith , Phillip Craig Graves , Phil M. Chakiris
IPC分类号： G06Q20/00
CPC分类号： G06Q20/20 , G06Q20/14
摘要： The present invention is directed to systems and methods of conducting a payment system, facilitated between a computerized processor, a point-of-sale, a customer, and one or more payees to whom the customer wishes to make a payment. The method including the steps of: receiving composite payment transaction information from the customer—including identifying information of the one or more payees and an indication of the an amount of value the customer wishes to pay to each of the one or more payees, associating an identifier with the composite payment transaction information, providing the identifier to the customer, receiving the identifier from the point-of-sale, receiving an amount of value from the point-of-sale, and providing value to the one or more payees in the amount indicated by the customer in the composite payment transaction information. The system configured to provide payment in a similar manner.
摘要翻译：本发明涉及进行支付系统的系统和方法，在计算机化处理器，销售点，客户和客户希望进行支付的一个或多个收款人之间进行。该方法包括以下步骤：从客户接收复合支付交易信息，包括一个或多个收款人的识别信息以及客户希望向一个或多个收款人中的每一个支付的价值金额的指示，标识符与复合支付交易信息，向客户提供标识符，从销售点接收标识符，从销售点接收一定数量的价值，以及向所述一个或多个收款人提供价值由客户在复合支付交易信息中指示的金额。该系统被配置为以类似的方式提供支付。

10. 发明授权

US07537152B2 Delivery of value identifiers using short message service (SMS) 有权
标题翻译：使用短消息服务（SMS）传递价值标识符
公开(公告)号：US07537152B2
公开(公告)日：2009-05-26
申请号：US11778698
申请日：2007-07-17
申请人： Phil M. Chakiris , Phillip C. Graves , John David Guest , Leslie George Lowin
发明人： Phil M. Chakiris , Phillip C. Graves , John David Guest , Leslie George Lowin
IPC分类号： G06F17/00
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。

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