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    Point of Sale Credit System
    8.
    发明申请
    Point of Sale Credit System 审中-公开
    销售点信用制度

    公开(公告)号：US20070061255A1

    公开(公告)日：2007-03-15

    申请号：US11531189

    申请日：2006-09-12

    申请人： Thomas Epting ,  Richard Greer

    发明人： Thomas Epting ,  Richard Greer

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/24

    摘要： A method and system for providing credit at a point of sale are provided. The method includes both an open-ended model and a closed-ended model. In the open-ended model a card, such as a credit card, is provided to the customer. The customer first enters into an agreement for repayment with a credit provider. When the customer uses the card, a new installment transaction is added to a revolving line of credit. An open-ended loan agreement is delivered to the customer at the point of sale. The open-ended loan agreement may include available credit left, payment terms, and payment date. In the closed-ended model, the customer need not first sign an agreement with the credit provider. The customer simply obtains and uses a card to obtain a closed-ended, single installment, installment loan.

    摘要翻译： 提供了一种在销售点提供信用的方法和系统。 该方法包括开放式模型和闭路模型。 在开放式模型中，向客户提供信用卡等信用卡。 客户首先与信贷提供者订立偿还协议。 当客户使用该卡时，新的分期付款交易被添加到循环信用额度。 在销售点向客户交付开放式贷款协议。 开放式贷款协议可能包括可用信用额，付款条件和付款日期。 在封闭模式中，客户不需要先与信贷提供者签署协议。 客户只需获得并使用卡片即可获得封闭式，单次分期付款，分期贷款。

    Credit Card Offer and Activation System and Method
    9.
    发明申请
    Credit Card Offer and Activation System and Method 有权
    信用卡提供和激活系统与方法

    公开(公告)号：US20070045406A1

    公开(公告)日：2007-03-01

    申请号：US11466708

    申请日：2006-08-23

    申请人： Jay Giesen ,  Richard Greer

    发明人： Jay Giesen ,  Richard Greer

    IPC分类号： G06K5/00 ,  G06Q40/00

    CPC分类号： G06Q20/354 ,  G06Q20/24 ,  G06Q40/00

    摘要： A method and system for providing and activating a credit card and credit line to a consumer. In one embodiment, the system and method include providing the consumer with a choice of one credit card from a plurality of cards. In response to the consumer's selection of one of the plurality of credit cards, an immediate authorization request is made for the credit card from an authorization source, such as a mobile telephone, kiosk, cash register, or credit card transaction device. Upon transmission of the authorization request, a rapid approval or disapproval is made based upon the applicant's financial status. This status may include the existence of an open bank account, such as a checking or savings account, or other credit worthiness indicia, such as prior business history with the lender and prior credit history. Once activated, the credit card may be used to purchase goods and services.

    摘要翻译： 一种用于向消费者提供和激活信用卡和信用额度的方法和系统。 在一个实施例中，系统和方法包括向消费者提供来自多个卡的一张信用卡的选择。 响应于消费者对多个信用卡中的一个的选择，从授权源（例如移动电话，信息亭，收银机或信用卡交易设备）对信用卡进行即时授权请求。 在发送授权请求后，根据申请人的财务状况进行快速批准或不批准。 这种状态可能包括开立银行帐户（例如支票或储蓄账户）或其他信用价值标记，例如借款人的先前业务历史和以前的信用记录。 一旦激活，信用卡可用于购买商品和服务。

    POINT OF SALE PURCHASE SYSTEM
    10.
    发明申请
    POINT OF SALE PURCHASE SYSTEM 审中-公开
    销售点采购制度

    公开(公告)号：US20050283436A1

    公开(公告)日：2005-12-22

    申请号：US10908899

    申请日：2005-05-31

    申请人： Richard Greer ,  Thomas Epting

    发明人： Richard Greer ,  Thomas Epting

    IPC分类号： G06Q20/00 ,  G07F7/08 ,  G06F17/60

    CPC分类号： G07F7/08 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q40/025

    摘要： Credit underwriting for a financial transaction is automatically commenced and concluded by the initiative of a customer. The customer initiates the financial transaction by interfacing to a merchant application. This interface may include a point of sale terminal, a card reader, a kiosk or the like. Customer-pertinent information and financial transaction pertinent information is obtained as a result of the customer initiating the process. The customer-pertinent and financial transaction pertinent information is then processed and the credit underwriting is approved if the customer associated with the customer-pertinent information is qualified for underwriting of a transaction described by the financial transaction pertinent information. A financial agreement that can be accepted by the customer interfacing to the merchant application is then generated and, if accepted by the customer, the funding for the financial transaction is provided. The processing of the information can include examining a database that includes customer data that correlates to the customer pertinent information and regulatory information required by the state in which the merchant operates, government imposed requirements and merchant imposed requirements.

    摘要翻译： 金融交易的信用承销自动开始，并由客户主动完成。 客户通过与商家应用程序接口来启动金融交易。 该接口可以包括销售点终端，读卡器，报亭等。 作为客户启动流程的结果，获得客户相关信息和金融交易相关信息。 如果与客户相关信息相关的客户有资格承销由金融交易相关信息描述的交易，则处理客户相关和金融交易相关信息，并批准信用承销。 然后生成可以由客户与商家应用程序接口的财务协议，并且如果客户接受，则提供金融交易的资金。 信息的处理可以包括检查数据库，该数据库包括与客户相关信息和商家所在国所要求的监管信息相关的客户数据，政府强制要求和商家强加的要求。