公开(公告)号：US09679277B2

公开(公告)日：2017-06-13

申请号：US14472908

申请日：2014-08-29

申请人： GIFTCODES.COM LLC

发明人： Jason Wolfe ,  Mark Romanelli ,  Sanjay Akut ,  Mike Kelly ,  Mary Jane Kelly

IPC分类号： G07F19/00 ,  G06K5/00 ,  G06Q20/08 ,  G06Q20/20 ,  G06Q30/02 ,  G06Q20/10 ,  G06Q20/34 ,  G06Q20/28

CPC分类号： G06Q20/085 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/34 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q30/0213

摘要： Disclosed herein are systems, methods, and computer-readable storage media for redeeming a closed loop card/code funded with an amount of money. The system receives, at a merchant, an indication from a consumer of a desire to sell a closed loop account not issued by the merchant and receives a confirmation, via a computing device, of an amount of money in the closed loop account. The system presents the consumer with an offer to buy the closed loop account and receives from the consumer an acceptance of the offer. The system processes the closed loop account to yield a processed closed loop account such as by transferring the account to one of the merchant and an entity and applies a benefit to the consumer based on the processed closed loop account.

公开(公告)号：US20140249986A1

公开(公告)日：2014-09-04

申请号：US14275948

申请日：2014-05-13

申请人： GiftCodes.com, LLC

发明人： Jason WOLFE ,  Shawn D. ALLEN

IPC分类号： G06Q40/04 ,  G06Q20/28 ,  G06Q20/34

CPC分类号： G06Q30/08 ,  G06Q20/06 ,  G06Q20/28 ,  G06Q20/342 ,  G06Q20/387 ,  G06Q20/4016 ,  G06Q30/02 ,  G06Q30/0201 ,  G06Q30/0207 ,  G06Q40/04 ,  G07F17/42

摘要： Disclosed herein are systems, methods, and non-transitory computer-readable storage media for auctioning gift cards on the secondary market. The system can receive a prepaid debit account for resale from an owner and determine a face value for the prepaid debit account. The system can establish a floor price and offer the prepaid debit account for sale via an auction, starting at an initial price above the floor price and up to and including the face value, and can decrement the sale price at regular time intervals. The system can end the auction when a purchaser purchases the prepaid debit account at the decremented price. However, if no purchaser purchases the prepaid debit account before the decremented price is below the floor price, the system can purchase the prepaid debit account from the owner for the floor price. The system can store the prepaid debit account in an inventory for resale.

摘要翻译： 这里公开了用于在二级市场上拍卖礼品卡的系统，方法和非暂时的计算机可读存储介质。 该系统可以收到一个预付款借记帐户，以从所有者转售，并确定预付款借记帐户的面值。 该系统可以建立一个底价，并通过拍卖提供预付借款帐户，以初始价格高于底价，并包括面值，并可以按照定期时间间隔降低销售价格。 当购买者以递减的价格购买预付款借记帐时，系统可以结束拍卖。 但是，如果没有购买者在减价价格低于底价之前购买预付款借记帐户，系统可以从所有者以底价购买预付款借记帐户。 系统可以将预付款借记帐户存储在库存中进行转售。

公开(公告)号：US20140229383A1

公开(公告)日：2014-08-14

申请号：US14258305

申请日：2014-04-22

申请人： GIFTCODES.COM, LLC

发明人： Jason Wolfe

IPC分类号： G06Q20/40 ,  G06Q20/28

CPC分类号： G06Q20/4016 ,  G06Q20/06 ,  G06Q20/0655 ,  G06Q20/28 ,  G06Q20/342 ,  G06Q20/354 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/06

摘要： Systems, methods, and computer-readable media for preventing and detecting fraud in the secondary gift card market are disclosed herein. An example system can identify an event associated with a prepaid gift account associated with a secondary market for reselling prepaid gift accounts, the prepaid gift account having a verified initial balance established prior to the event. Based on the event, the system can perform a reverification of the verified initial balance of the prepaid gift account to yield an updated balance. If the verification indicates that the updated balance is different from the verified initial balance, the system can perform a corrective action. The event can be receiving the prepaid gift account, listing the prepaid gift account for sale, transferring the prepaid gift account between parties, converting the prepaid gift account to a different form, an elevated fraud risk, a user request, a regular balance checking interval, or random selection.

摘要翻译： 本文公开了用于防止和检测次级礼品卡市场中的欺诈的系统，方法和计算机可读介质。 示例系统可以识别与用于转售预付礼品账户的二级市场相关联的预付礼品账户相关联的事件，该预付礼品账户具有在事件之前建立的经过验证的初始余额。 基于该事件，系统可以对经过验证的预付礼品账户的初始余额进行重新验证，以产生更新的余额。 如果验证表明更新的余额与验证的初始余额不同，则系统可以执行纠正措施。 该活动可以接收预付礼品账户，列出预付礼品账户出售，转让双方之间的预付礼品账户，将预付礼品账户转换为不同的形式，提高的欺诈风险，用户请求，定期余额检查间隔 ，或随机选择。

公开(公告)号：US09336524B2

公开(公告)日：2016-05-10

申请号：US13934631

申请日：2013-07-03

申请人： Giftcodes.com, LLC

发明人： Jason Wolfe

IPC分类号： G06Q40/00 ,  G06Q20/40 ,  G07F17/42 ,  G06Q20/06 ,  G06Q20/28 ,  G06Q20/38 ,  G06Q30/02

CPC分类号： G06Q20/4016 ,  G06Q20/06 ,  G06Q20/28 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0201 ,  G06Q30/0207 ,  G07F17/42

摘要： Disclosed herein are systems, methods, and non-transitory computer-readable storage media for tracking a secondary gift card marketplace. A system configured to practice the method collects data related to a secondary market, which includes a transaction associated with a gift card, the transaction not involving an issuer of the gift card, processes the collected data, and presents at least a portion of the processed collected data in a user interface. The system can detect fraud in the secondary market. Gift cards can include at least one of gift cards and gift codes. The collected data can further include a plurality of transactions associated with gift cards. In one aspect, each gift card transaction in the plurality of gift card transaction does not involve an original issuing merchant of a gift card. The collected data can further include pricing, demographic, geographic, or other information related to the gift card transactions.

摘要翻译： 本文公开了用于跟踪次级礼品卡市场的系统，方法和非暂时的计算机可读存储介质。 配置为实施该方法的系统收集与二级市场相关的数据，其包括与礼品卡相关联的交易，不涉及礼品卡的发行者的交易，处理所收集的数据，并且呈现处理的 在用户界面中收集数据。 该系统可以检测二级市场的欺诈。 礼品卡可以包含礼品卡和礼品代码中的至少一个。 收集的数据还可以包括与礼品卡相关联的多个交易。 一方面，多个礼品卡交易中的每个礼品卡交易不涉及礼品卡的原始发行商家。 收集的数据还可以包括与礼品卡交易相关的定价，人口统计，地理或其他信息。

公开(公告)号：US08887999B2

公开(公告)日：2014-11-18

申请号：US12702623

申请日：2010-02-09

申请人： Jason Wolfe ,  Mark Romanelli ,  Sanjay Akut ,  Mike Kelly ,  Mary Jane Kelly

发明人： Jason Wolfe ,  Mark Romanelli ,  Sanjay Akut ,  Mike Kelly ,  Mary Jane Kelly

IPC分类号： G06K5/00 ,  G07F19/00 ,  G06F7/08 ,  G06Q30/02

CPC分类号： G06Q30/02

摘要： Disclosed herein are systems, methods, and computer-readable storage media for generating a gift code. The system receives an indication from a first user identifying a closed loop card, receives a confirmation of an amount of money in an account associated with the closed loop card, offers to purchase the closed loop card at an amount less than the amount of money in the account associated with the closed loop card, and upon acceptance of the offer, deactivates the closed loop card. The system then offers to sell the amount of money at a discount rate to a second user, receives acceptance of the offer to sell the amount of money at the discount rate, and associates a gift code with the amount of money for use by the second user. Gift codes can have no expiration date. A multi-process secure gateway can confirm the amount of money.

摘要翻译： 这里公开了用于生成礼品代码的系统，方法和计算机可读存储介质。 系统接收来自第一用户的指示，识别闭环卡，接收与闭环卡相关联的帐户中的金额的确认，提供以小于金额的金额的量购买闭环卡 与闭环卡相关联的帐户，以及在接受报价后，停用闭环卡。 该系统然后提供以折扣率向第二用户出售金额的金额，接收以折扣率出售该金额的要约，并将礼品代码与第二个使用的金额相关联 用户。 礼品代码可以没有到期日。 多进程安全网关可以确认金额。

公开(公告)号：US08631999B2

公开(公告)日：2014-01-21

申请号：US12573056

申请日：2009-10-02

申请人： Jason Wolfe ,  Mark Romanelli ,  Sanjay Akut ,  Mike Kelly ,  Mary Jane Kelly

发明人： Jason Wolfe ,  Mark Romanelli ,  Sanjay Akut ,  Mike Kelly ,  Mary Jane Kelly

IPC分类号： G07F19/00 ,  G06K5/00 ,  G06K15/00 ,  G06F7/08

CPC分类号： G07F17/42 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q30/0213 ,  G06Q30/0225 ,  G06Q30/04 ,  G06Q40/00

摘要： Disclosed herein are systems, methods, and computer-readable storage media for redeeming a closed loop card/code funded with an amount of money. The system receives from a merchant point of sale an indication of use of a closed loop card/code not issued by the merchant and presented by a consumer, queries and receives a confirmation of an amount of money in an account associated with the closed loop card/code, presents the consumer with an offer to buy the closed loop card/code at a discount price, and upon accepting the offer, closes out the closed loop card/code and pays the discount price to the consumer. Paying the discount price can include applying the discount price to a purchase by the consumer at the merchant. The merchant can provide cash back to the consumer for excess value of the discount price over the consumer's purchase. Merchants can apply more than the discount price.

摘要翻译： 这里公开的是用于兑换由一定数量的资金供给的闭环卡/代码的系统，方法和计算机可读存储介质。 该系统从商家销售点接收使用由商家未发布并由消费者呈现的闭环卡/代码的指示，查询并接收与闭环卡相关联的账户中的金额确认 /代码，向消费者呈现以折扣价购买闭环卡/代码的优惠，并且在接受报价后，关闭闭环卡/代码并向消费者支付折扣价格。 支付折扣价格可以包括将折扣价格应用于商家的消费者购买。 商家可以向消费者提供超过消费者购买的折扣价值的超额价值的现金。 商家可以申请超过折扣价格。

公开(公告)号：US08500007B2

公开(公告)日：2013-08-06

申请号：US12701711

申请日：2010-02-08

申请人： Jason Wolfe ,  Mark Romanelli ,  Sanjay Akut ,  Mike Kelly ,  Mary Jane Kelly

发明人： Jason Wolfe ,  Mark Romanelli ,  Sanjay Akut ,  Mike Kelly ,  Mary Jane Kelly

IPC分类号： G06K5/00

CPC分类号： G07F17/42 ,  G06Q20/06 ,  G06Q20/28 ,  G06Q20/387 ,  G06Q30/0201 ,  G06Q30/0207

摘要： Disclosed herein are systems, methods, and non-transitory computer-readable storage media for tracking a secondary gift card marketplace. A system configured to practice the method collects data related to a secondary market, which includes a transaction associated with a gift card, the transaction not involving an issuer of the gift card, processes the collected data, and presents at least a portion of the processed collected data to a merchant in a user interface. Gift cards can include at least one of gift cards and gift codes. The collected data can further include a plurality of transactions associated with gift cards. In one aspect, each gift card transaction in the plurality of gift card transaction does not involve an original issuing merchant of a gift card. The collected data can further include at least one of pricing, demographic, geographic, and other information related to the gift card transactions.

摘要翻译： 本文公开了用于跟踪次级礼品卡市场的系统，方法和非暂时的计算机可读存储介质。 配置为实施该方法的系统收集与二级市场相关的数据，其包括与礼品卡相关联的交易，不涉及礼品卡的发行者的交易，处理所收集的数据，并且呈现处理的 在用户界面中向商家收集数据。 礼品卡可以包括礼品卡和礼品代码中的至少一个。 收集的数据还可以包括与礼品卡相关联的多个交易。 一方面，多个礼品卡交易中的每个礼品卡交易不涉及礼品卡的原始发行商家。 收集的数据还可以包括与礼品卡交易相关的定价，人口统计，地理和其他信息中的至少一个。

公开(公告)号：US09251515B2

公开(公告)日：2016-02-02

申请号：US14258305

申请日：2014-04-22

申请人： GIFTCODES.COM, LLC

发明人： Jason Wolfe

IPC分类号： G06Q20/40 ,  G06Q20/28 ,  G06Q20/06 ,  G06Q20/34 ,  G06Q30/02 ,  G06Q30/06

CPC分类号： G06Q20/4016 ,  G06Q20/06 ,  G06Q20/0655 ,  G06Q20/28 ,  G06Q20/342 ,  G06Q20/354 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/06

摘要： Systems, methods, and computer-readable media for preventing and detecting fraud in the secondary gift card market are disclosed herein. An example system can identify an event associated with a prepaid gift account associated with a secondary market for reselling prepaid gift accounts, the prepaid gift account having a verified initial balance established prior to the event. Based on the event, the system can perform a reverification of the verified initial balance of the prepaid gift account to yield an updated balance. If the verification indicates that the updated balance is different from the verified initial balance, the system can perform a corrective action. The event can be receiving the prepaid gift account, listing the prepaid gift account for sale, transferring the prepaid gift account between parties, converting the prepaid gift account to a different form, an elevated fraud risk, a user request, a regular balance checking interval, or random selection.

摘要翻译： 本文公开了用于防止和检测次级礼品卡市场中的欺诈的系统，方法和计算机可读介质。 示例系统可以识别与用于转售预付礼品账户的二级市场相关联的预付礼品账户相关联的事件，该预付礼品账户具有在事件之前建立的经过验证的初始余额。 基于该事件，系统可以对经过验证的预付礼品账户的初始余额进行重新验证，以产生更新的余额。 如果验证表明更新的余额与验证的初始余额不同，则系统可以执行纠正措施。 该活动可以接收预付礼品账户，列出预付礼品账户出售，转让双方之间的预付礼品账户，将预付礼品账户转换为不同的形式，提高的欺诈风险，用户请求，定期余额检查间隔 ，或随机选择。

公开(公告)号：US20140214667A1

公开(公告)日：2014-07-31

申请号：US14227581

申请日：2014-03-27

申请人： GiftCodes.com, LLC

发明人： Jason WOLFE

IPC分类号： G06Q20/34

CPC分类号： G06Q20/342 ,  G06K19/06028 ,  G06Q20/06 ,  G06Q20/0655 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/354 ,  G06Q20/4016 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0224 ,  G06Q30/06 ,  G07F7/127

摘要： Systems, methods, and computer-readable media for chopping up a gift card/code into smaller multiple gift card/codes. The system receives a request from a user to convert a closed-loop card/code having a value amount into two different closed-loop cards/codes and divides (or “chops up”) the closed-loop card/code into a first closed-loop card/code having a first value amount and a second closed-loop card/code having a second value amount, wherein the first value amount and the second value amount add up to no more than the value amount. The system offers the first closed-loop card/code and the second closed-loop card/code to one of the user and a third party.

摘要翻译： 系统，方法和计算机可读介质，用于将礼品卡/代码切割成更小的多个礼品卡/代码。 系统接收用户请求，将具有值数量的闭环卡/代码转换成两个不同的闭环卡/代码，并将闭环卡/代码划分（或“切碎”）为第一封闭 具有第一值的圆形卡/代码和具有第二值的第二闭环卡/代码，其中所述第一值和所述第二值的总和不超过所述数值。 该系统向用户和第三方之一提供第一个闭环卡/代码和第二个闭环卡/代码。

公开(公告)号：US20140207542A1

公开(公告)日：2014-07-24

申请号：US14218568

申请日：2014-03-18

申请人： GiftCodes.com, LLC

发明人： Jason WOLFE

IPC分类号： G06Q20/34 ,  G06Q30/02

CPC分类号： G06Q20/342 ,  G06K19/06028 ,  G06Q20/06 ,  G06Q20/0655 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/354 ,  G06Q20/4016 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0224 ,  G06Q30/06 ,  G07F7/127

摘要： A system and method provide for offering a consignment of a closed-loop card/code. The method includes presenting an offer associated with a closed-loop card/code to pay an offer amount, wherein the offer is triggered based on an occurrence of an event. The system receives an acceptance of the offer from a user and performs one of deactivating and suspending of the closed-loop card/code after receiving the acceptance. When the event occurs, the system notifies the user and pays an offer amount to the user after the event occurs.

摘要翻译： 一种系统和方法提供了一种闭环卡/代码的代理。 该方法包括呈现与闭环卡/代码相关联的报价以支付报价金额，其中基于事件的发生来触发报价。 系统接收到用户的报价，并在收到接受后执行闭环卡/代码的停用和暂停。 发生事件时，系统通知用户，并在事件发生后向用户支付报价金额。