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1. 发明授权

US08744915B2 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：US08744915B2
公开(公告)日：2014-06-03
申请号：US12877524
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 , G06Q20/20
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，以及贷记到账户中的每笔贷款增值的预先选定的贷款预付费。

2. 发明授权

US08738451B2 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：US08738451B2
公开(公告)日：2014-05-27
申请号：US12417162
申请日：2009-04-02
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： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/202 , G06Q20/204 , G06Q30/0234 , G06Q30/0236 , G06Q40/00 , G06Q40/025 , G06Q40/04
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，确定可用信用额度的一个新价值，计入贷方账户的账面价值，以及贷记账户每笔贷款额度的预先选定贷款预付费用。

3. 发明授权

US08452662B2 System, program product, and associated methods to autodraw for micro-credit attached to prepaid card 有权
标题翻译：系统，程序产品和相关方法自动清除附加到预付卡的小额信贷
公开(公告)号：US08452662B2
公开(公告)日：2013-05-28
申请号：US13233465
申请日：2011-09-15
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 , G06Q20/10 , G06Q20/20 , G06Q40/00
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 prepaid card processor receives data for a line of credit for a prepaid card from a lending institution computer. The prepaid card processor makes available draws to the line of credit line on behalf of the lending institution computer in an authorization stream for a proposed purchase using the prepaid card as payment. When the line of credit is accessed, the processor loads the prepaid card with an additional value equal to one or more preselected loan increments so that the prepaid card 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. Then the processor notifies the lending institution so that the line of credit balances on the lending institution computer and the prepaid card processor are kept in sync.
摘要翻译：预付卡处理器从贷款机构计算机接收用于预付卡的信用额度的数据。预付卡处理器使用预付卡作为付款，以代表贷款机构计算机的授权流中的预付卡作为建议购买提供到信用额度行。当信用额度被访问时，处理器以等于一个或多个预先选择的贷款增量的附加价值来加载预付卡，以便预付卡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。然后处理器通知贷款机构，使贷款机构计算机和预付卡处理器之间的信用余额保持同步。

4. 发明授权

US08371502B1 Shopping center gift card offer fulfillment machine, program product, and associated methods 有权
标题翻译：购物中心礼品卡提供履行机，程序产品和相关方法
公开(公告)号：US08371502B1
公开(公告)日：2013-02-12
申请号：US12607780
申请日：2009-10-28
申请人： Scott H. Galit , Andrew B. Crowe
发明人： Scott H. Galit , Andrew B. Crowe
IPC分类号： G06K5/00
CPC分类号： G06Q30/02
摘要： Exemplary embodiments provide for offer fulfillment utilizing a shopping center gift card and an offer fulfillment machine. A cardholder obtains the gift card and registers with an issuer to receive offers, discounts, and promotions electronically. The machine activates the gift card's offer purse, a subaccount associated with an offer. The machine notifies a cardholder of the promotional offer. To redeem an offer, the cardholder presents the gift card as payment to a merchant. No coupons are necessary. No change to the merchant's POS terminal is necessary. The machine matches, in memory, the offer purse to a standard transaction approval request. The machine determines eligibility for the promotion and updates an amount associated with the offer purse to thereby satisfy at least in part from the offer purse the standard transaction approval request. A purchase purse, another gift card subaccount, can optionally provide any remaining amount for the transaction.
摘要翻译：示例性实施例提供利用购物中心礼品卡和报价履行机的报价履行。持卡人获得礼品卡，并向发行人注册以电子方式接收优惠，折扣和促销。该机器激活礼品卡的报价钱包，与报价相关联的子帐户。机器通知持卡人促销优惠。要兑换优惠，持卡人将礼品卡作为付款给商家。没有优惠券是必要的。不需要改变商户的POS终端。该机器将内存中的优惠券与匹配的标准交易批准请求相匹配。该机器确定促销的资格，并且更新与报价钱包相关的金额，从而至少部分地从报价单中满足标准交易批准请求。购买钱包，另一个礼品卡子帐户，可以选择提供任何剩余的交易金额。

5. 发明授权

US08214286B1 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：US08214286B1
公开(公告)日：2012-07-03
申请号：US13329748
申请日：2011-12-19
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 program products, and computer-implemented methods apply or otherwise 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. A computerized estimate of the tax refund available from a tax return of the customer is formed. A portion of the computerized estimate of the tax refund which can be made available as the line of credit is then determined. The existing line of credit is then adjusted based on the expected refund determined to be available, which will 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 invention may be implemented as a computerized process, a computer system or a computer program product.
摘要翻译：系统，计算机程序产品和计算机实现的方法适用或以其他方式提供新的信用额度或额外的信用额度，根据预期的退税金额，对客户的定期存款帐户，预付卡和现有信用额度进行提供。形成了从客户报税表中获得的退税的计算机化估计。然后确定可以作为信用额度提供的计算机化的退税估算的一部分。现有的信用额度将根据确定可用的预期退款进行调整，这将作为信贷额度的额外来源。然后可以对现有的信用额度进行一项或多项调整。本发明可以被实现为计算机化过程，计算机系统或计算机程序产品。

6. 发明申请

US20100161477A1 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：基于预期退税收入，相关系统和计算机程序产品的现有需求存款账户，预付卡和信用额度的计算机化扩展
公开(公告)号：US20100161477A1
公开(公告)日：2010-06-24
申请号：US12562331
申请日：2009-09-18
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 program products, and computer-implemented methods apply or otherwise 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. A computerized estimate of the tax refund available from a tax return of the customer is formed. A portion of the computerized estimate of the tax refund which can be made available as the line of credit is then determined. The existing line of credit is then adjusted based on the expected refund determined to be available, which will 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. The invention may be implemented as a computerized process, a computer system or a computer program product.
摘要翻译：系统，计算机程序产品和计算机实现的方法适用或以其他方式提供新的信用额度或额外的信用额度，根据预期的退税金额，对客户的定期存款帐户，预付卡和现有信用额度进行提供。形成了从客户报税表中获得的退税的计算机化估计。然后确定可以作为信用额度提供的计算机化的退税估算的一部分。现有的信用额度将根据确定可用的预期退款进行调整，这将作为信贷额度的额外来源。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。本发明可以被实现为计算机化过程，计算机系统或计算机程序产品。

7. 发明授权

US08296227B2 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：US08296227B2
公开(公告)日：2012-10-23
申请号：US13474519
申请日：2012-05-17
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. 发明申请

US20120226599A1 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：根据预期退税收入，相关系统和计算机程序产品计算机化扩展信贷到现有的存款账户，预付卡和信用额度
公开(公告)号：US20120226599A1
公开(公告)日：2012-09-06
申请号：US13474519
申请日：2012-05-17
申请人： Scott H. Galit , Trent Sorbe
发明人： Scott H. Galit , Trent Sorbe
IPC分类号： G06Q40/02
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。

9. 发明授权

US08244637B2 Pre-paid card transaction computer to load a loan on a pre-paid card 有权
标题翻译：预付卡交易电脑在预付卡上加载贷款
公开(公告)号：US08244637B2
公开(公告)日：2012-08-14
申请号：US13365982
申请日：2012-02-03
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： G06Q20/28 , G06Q20/10 , G06Q20/105 , G06Q20/351 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A loan transaction for a pre-paid card is approved for a borrower so that release of the loan proceeds is pending an activation of a pre-paid card. A financial institution computer converts loan data to be compatible with a prepaid card processor. The prepaid card processor activates a pre-paid card account responsive to an activation request on behalf of the borrower. The financial institution computer releases the pending loan proceeds to the pre-paid card processor so that the loan proceeds are released to the borrower and are immediately available to thereby convert the pre-paid card into a loan delivery apparatus.
摘要翻译：预付卡的贷款交易被批准给借款人，以便发放贷款款待等待激活预付卡。金融机构计算机将贷款数据转换为与预付卡处理器兼容。预付卡处理器响应于代表借款人的激活请求而激活预付卡帐户。金融机构计算机将预付款贷款发放到预付卡处理器，借款人可以向借款人发放贷款，并立即可以将预付卡转换为贷款交付工具。

10. 发明授权

US08150764B2 System, program product, and method to authorize draw for retailer optimization 有权
标题翻译：系统，程序产品和授权零售商优化绘图的方法
公开(公告)号：US08150764B2
公开(公告)日：2012-04-03
申请号：US12417182
申请日：2009-04-02
申请人： Andrew B. Crowe , Scott H. Galit , Trent Sorbe
发明人： Andrew B. Crowe , Scott H. Galit , Trent Sorbe
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/202 , G06Q20/204 , G06Q30/0234 , G06Q30/0236 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A line of credit optimized for a retailer and attached to a customer account at a financial institution is established for a customer of the retailer. A financial institution computer determines whether to advance funds through the line of credit for a transaction, then advances funds in one or more preselected loan increments to the customer account, up to a total available line of credit for the customer. The financial institution computer decrements the total available line of credit by the amount provided for the customer transaction and by a predetermined customer fee for each of the loan increments. The computer determines a value of a retailer fee to be paid by the retailer, involving a predetermined amount for each of the loan increments. The customer fee amount can be zero or discounted for customer transactions with the retailer. The retailer fee can be a rebate to the customer.
摘要翻译：为零售商的客户建立了针对零售商优化并附属于金融机构的客户帐户的信用额度。金融机构计算机确定是否通过交易信用额度推进资金，然后以一个或多个预选贷款增量向客户账户提前支付资金，直到客户的总可用信用额度。金融机构计算机通过为客户交易提供的金额和每个贷款增量的预定客户费用来减少总可用信用额度。计算机确定由零售商支付的零售商费用的价值，涉及每个贷款增量的预定金额。对于与零售商的客户交易，客户费用金额可以为零或折扣。零售商的费用可以是客户的折扣。

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