公开(公告)号：US20090055317A1

公开(公告)日：2009-02-26

申请号：US11843130

申请日：2007-08-22

Applicant: A. Hamid Andalib ,  Jeffrey W. Grine ,  Brad J. Smrcina ,  David Barber ,  Greg A. Jones

Inventor： A. Hamid Andalib ,  Jeffrey W. Grine ,  Brad J. Smrcina ,  David Barber ,  Greg A. Jones

IPC: G06Q30/00

CPC classification number: G07F7/0866 ,  G06Q20/105 ,  G06Q20/354 ,  G06Q20/3558 ,  G06Q20/363 ,  G06Q30/0224 ,  G06Q30/0225 ,  G07F7/1008

Abstract: A method of distributing stored value cards where value is not loaded to the account associated with each card until the card holder completes and activates process is disclosed. By delaying the funding of the settlement account associated with stored value cards until card activation, cash flow efficiencies and savings are achieved that make stored value card rebate plans and other marketing and loyalty programs economical.

Abstract translation: 公开了向卡持有者完成并激活过程之前分配储值卡的方法，其中没有将值加载到与每个卡相关联的帐户。 通过延迟与存储卡相关联的结算账户的资金，直到卡激活，实现了现金流量效率和储蓄，使存储卡回扣计划和其他营销和忠诚度计划成为经济。