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公开(公告)号：US20080021780A1
公开(公告)日：2008-01-24
申请号：US11830701
申请日：2007-07-30
申请人： Kenneth Algiene
发明人： Kenneth Algiene
IPC分类号： G06Q30/00
CPC分类号： G06Q10/10 , G06Q20/40 , G06Q30/02 , G06Q30/0236
摘要： Systems and methods for creating a negotiable instrument in combination with a message at a recipient point-of-contact. The systems and methods include a negotiable instrument printer located at the recipient point-of-contact. Access to the negotiable instrument printer is provided via an authorization system that in part prevents fraudulent use of the negotiable instrument printer.
摘要翻译： 在可接受点的联系人上与消息一起创建可转让票据的系统和方法。 系统和方法包括位于接收点的可协商的仪器打印机。 通过授权系统提供对可转让票据打印机的访问，该授权系统部分地防止可转让票据打印机的欺诈性使用。
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公开(公告)号：US07309003B2
公开(公告)日：2007-12-18
申请号：US10318453
申请日：2002-12-13
申请人： Kenneth Algiene , Mark Wadsworth
发明人： Kenneth Algiene , Mark Wadsworth
CPC分类号： G06Q20/342 , G06Q20/10 , G07F7/025
摘要： In one embodiment, a method for making a payment on an account comprises reading account information from a payment instrument that identifies a customer account that is to receive a payment. A financial institution associated with the customer account is determined as well as a payment account that is associated with the financial institution where the payment is to be deposited. A payment amount is collected, and the payment amount is transmitted to the payment account of the financial institution.
摘要翻译： 在一个实施例中，用于在帐户上进行支付的方法包括从识别要接收付款的客户账户的支付工具读取账户信息。 确定与客户账户相关联的金融机构以及与要存入付款的金融机构相关联的支付账户。 收取付款金额，付款金额转入金融机构的付款账户。
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23.发明授权Financial presentation instruments with integrated holder and methods for use 有权具有综合持有人和使用方法的财务演示文书公开(公告)号：US07278570B2
公开(公告)日：2007-10-09
申请号：US10665984
申请日：2003-09-19
CPC分类号： G06K19/04
摘要： The present invention provides improved apparatus, methods, and systems for displaying and packaging financial presentation instruments, particularly stored value, gift, or other pre-paid debit cards. In one embodiment of the present invention, a method for displaying a financial presentation instrument with an integrated holder is provided. The method comprises providing a data card having an information storage medium and an aperture therethrough. The data card is then suspended from a display hook through the at least one aperture. Hence, the present invention advantageously allows for convenient displaying and easy access to the data card for activation at the time the card is purchased by a consumer. Further, the integrated holder on the data card decreases the operating costs and increases the efficiency for selling such debit cards as no additional materials, packaging, or carriers other than the data card itself are needed for the presentation and display of such debit cards.
摘要翻译： 本发明提供了用于显示和包装金融演示文书，特别是存储的价值，礼物或其他预付费借记卡的改进的装置，方法和系统。 在本发明的一个实施例中，提供了一种用于显示具有集成保持器的财务呈现工具的方法。 该方法包括提供具有信息存储介质和穿过其的孔径的数据卡。 数据卡然后通过至少一个孔悬挂在显示钩上。 因此，本发明有利地允许在消费者购买卡片时方便地显示和容易地访问数据卡以进行激活。 此外，数据卡上的集成持有人降低了操作成本，并且提高了销售这种借记卡的效率，因为不需要除了数据卡本身之外的额外的材料，包装或载体来呈现和显示这样的借记卡。
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公开(公告)号：US20060144929A1
公开(公告)日：2006-07-06
申请号：US11338134
申请日：2006-01-23
CPC分类号： G07F7/08 , G06Q20/045 , G06Q20/342 , G07F7/025 , G07F7/12 , G07F7/122 , G07F17/42
摘要： A method for issuing tickets proceeds by selecting an inactive ticket that includes an identifier. Payment is provided for the ticket, and the identifier and a payment amount is entered into a payment processing device. The identifier is transmitted to a host computer system having a record of the identifier and a status of the ticket. The status of the ticket is then changed to an active status in the host computer system.
摘要翻译： 通过选择包括标识符的不活动票据来发行票据的方法。 提供票据的支付，并且将标识符和支付金额输入到支付处理装置中。 该标识符被发送到具有标识符的记录和故障单的状态的主计算机系统。 然后，票据的状态在主机系统中更改为活动状态。
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公开(公告)号：US06860496B2
公开(公告)日：2005-03-01
申请号：US10122636
申请日：2002-04-15
CPC分类号： B62B5/049 , B62B2202/02
摘要： An improved dolly system including at least three dollies adjustably interconnected as a system to allow a trailer or other vehicle to be loaded therein. The dollies are adjusted for the width and the length of the trailer to mate the dollies with the wheels of the trailer. Four dollies can be adjustably connected in a system to provide a vehicle dolly system. The system can include one or more brakes and once loaded the system can be moved in any direction to facilitate the maximum use of available parking space.
摘要翻译： 一种改进的小车系统，包括至少三个可调节地互连的车厢，作为系统以允许拖车或其他车辆被装载在其中的系统。 拖车的宽度和长度可根据拖车的车轮进行调整。 四个货车可以在系统中可调节地连接以提供车辆小车系统。 系统可以包括一个或多个制动器，一旦加载，系统可以在任何方向移动，以便最大程度地利用可用的停车位。
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公开(公告)号：US10395484B2
公开(公告)日：2019-08-27
申请号：US10225410
申请日：2002-08-20
申请人： Paul A. Blair , Kenneth Algiene , Mark Thompson
发明人： Paul A. Blair , Kenneth Algiene , Mark Thompson
摘要： A method of using a kiosk to dispense funds, a portion of which has a value less than the value of the lowest form of currency the kiosk dispenses. The method may include receiving information at the kiosk identifying a source for the funds and transmitting a request to a host computer to verify the source for the funds. The method may include receiving at the kiosk a verification of the funds and displaying on a display screen an amount of funds available for payment. The method may include receiving at the kiosk a request from a user to remit a first portion of the amount of funds in a first form, wherein the first form is selected from a group consisting of paper currency, money order, credit to an account, and credit to a stored value card. The method may include remitting the first portion in the first form and displaying a set of options for receiving a second portion of the amount of funds, wherein the set of options is selected from a group consisting of a money order, a donation, a credit to a stored value card, and a credit to an account. The method may include receiving a request from the user to remit the second portion of the amount of funds in a second form selected from the set of options. The first form and the second form may be different, and the kiosk may be configured to dispense money orders upon receipt of a request from the user to remit the first portion as a money order.
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公开(公告)号：US08032452B2
公开(公告)日：2011-10-04
申请号：US10289130
申请日：2002-11-06
CPC分类号： G06Q20/10 , G06Q10/00 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/203
摘要： Methods and systems are provided for performing a funds transfer. A request to transfer funds to a recipient is received at a host system, as well as an identification of a selected funds-transfer company chosen from a group of funds-transfer companies and a request to provide the funds to the recipient. Information related to the request is transmitted from the host system to a payout system. The request to transfer funds may include an identification of a retrieval location, with a list of funds-transfer companies that offer funds-transfer services to the retrieval location further being transmitted from the host system to a funds-transfer initiating system.
摘要翻译： 提供方法和系统用于执行资金转帐。 在主机系统收到向接收方转移资金的请求，以及从一组资金转移公司中选择的选定的资金转移公司的身份以及向接收方提供资金的请求。 与请求相关的信息从主机系统发送到支付系统。 转移资金的请求可以包括检索位置的识别，以及提供资金转移服务的转移公司的列表，其进一步从主机系统发送到资金转移发起系统。
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28.发明授权Financial presentation instruments with integrated holder and methods for use 有权具有综合持有人和使用方法的财务演示文书公开(公告)号：US07559479B2
公开(公告)日：2009-07-14
申请号：US11849766
申请日：2007-09-04
IPC分类号： G06K7/00
CPC分类号： G06K19/04
摘要： The present invention provides improved apparatus, methods, and systems for displaying and packaging financial presentation instruments, particularly stored value, gift, or other pre-paid debit cards. In one embodiment of the present invention, a method for displaying a financial presentation instrument with an integrated holder is provided. The method comprises providing a data card having an information storage medium and an aperture therethrough. The data card is then suspended from a display hook through the at least one aperture. Hence, the present invention advantageously allows for convenient displaying and easy access to the data card for activation at the time the card is purchased by a consumer. Further, the integrated holder on the data card decreases the operating costs and increases the efficiency for selling such debit cards as no additional materials, packaging, or carriers other than the data card itself are needed for the presentation and display of such debit cards.
摘要翻译： 本发明提供了用于显示和包装金融演示文书，特别是存储的价值，礼物或其他预付费借记卡的改进的装置，方法和系统。 在本发明的一个实施例中，提供了一种用于显示具有集成保持器的财务呈现工具的方法。 该方法包括提供具有信息存储介质和穿过其的孔径的数据卡。 数据卡然后通过至少一个孔悬挂在显示钩上。 因此，本发明有利地允许在消费者购买卡片时方便地显示和容易地访问数据卡以进行激活。 此外，数据卡上的集成持有人降低了操作成本，并且提高了销售这种借记卡的效率，因为不需要除了数据卡本身之外的额外的材料，包装或载体来呈现和显示这样的借记卡。
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29.发明申请Systems and methods for associating a second source of funds with an electronic check transaction 审中-公开将第二资金来源与电子支票交易相关联的系统和方法公开(公告)号：US20070299775A1
公开(公告)日：2007-12-27
申请号：US11445615
申请日：2006-06-02
申请人： Kenneth Algiene
发明人： Kenneth Algiene
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/042 , G06Q20/227 , G06Q20/40
摘要： A system automatically determines authorization and payment from a checking account of a financial transaction occurring through the presentation of a check card. For a proposed financial transaction of a customer from a merchant having a membership program, the system obtains an indication that the customer is a member of the merchant's membership program. The system determines an indication of risk for the transaction, based at least in part on the indication that the customer is a member of the merchant's membership program. The financial transaction is authorized when the indication of risk is within at least one parameter. A secondary source of funds is debited if the financial transaction from the checking account fails.
摘要翻译： 系统通过显示支票卡自动确定通过金融交易的支票账户的授权和付款。 对于来自具有会员计划的商家的客户的建议的金融交易，系统获得客户是商家会员计划的成员的指示。 该系统至少部分地基于客户是商家会员计划的成员的指示来确定交易风险的指示。 当风险指标在至少一个参数内时，金融交易被授权。 如果来自支票账户的金融交易失败，则会将第二资金来源扣除。
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30.发明申请公开(公告)号：US20070295821A1
公开(公告)日：2007-12-27
申请号：US11849766
申请日：2007-09-04
IPC分类号： G06K19/04
CPC分类号： G06K19/04
摘要： The present invention provides improved apparatus, methods, and systems for displaying and packaging financial presentation instruments, particularly stored value, gift, or other pre-paid debit cards. In one embodiment of the present invention, a method for displaying a financial presentation instrument with an integrated holder is provided. The method comprises providing a data card having an information storage medium and an aperture therethrough. The data card is then suspended from a display hook through the at least one aperture. Hence, the present invention advantageously allows for convenient displaying and easy access to the data card for activation at the time the card is purchased by a consumer. Further, the integrated holder on the data card decreases the operating costs and increases the efficiency for selling such debit cards as no additional materials, packaging, or carriers other than the data card itself are needed for the presentation and display of such debit cards.
摘要翻译： 本发明提供了用于显示和包装金融演示文书，特别是存储的价值，礼物或其他预付费借记卡的改进的装置，方法和系统。 在本发明的一个实施例中，提供了一种用于显示具有集成保持器的财务呈现工具的方法。 该方法包括提供具有信息存储介质和穿过其的孔径的数据卡。 数据卡然后通过至少一个孔悬挂在显示钩上。 因此，本发明有利地允许在消费者购买卡片时方便地显示和容易地访问数据卡以进行激活。 此外，数据卡上的集成持有人降低了操作成本，并且提高了销售这种借记卡的效率，因为不需要除了数据卡本身之外的额外的材料，包装或载体来呈现和显示这样的借记卡。
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