公开(公告)号：US20160034875A1

公开(公告)日：2016-02-04

申请号：US14450243

申请日：2014-08-03

申请人： Kimberly Stevens ,  Amir Marandy ,  Quang Minh Ngo ,  Derrick Earl Morris, Sr.

发明人： Kimberly Stevens ,  Amir Marandy ,  Quang Minh Ngo ,  Derrick Earl Morris, Sr.

IPC分类号： G06Q20/20 ,  G06Q20/40 ,  G06Q20/10

CPC分类号： G06Q20/4012 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/3274

摘要： A unique and novel method is disclosed whereby funds are made available in a secure fashion to people who do not have bank accounts but want the security of a direct deposit system. Employers receive the benefit of the reduction in paperwork and increase in safety, and the employee receives also safety in obtaining funds at greatly reduced costs and fees to the employee. This system uniquely operates using the return or refund portion of a retailers POS system at the cash register or through their customer service desk. This method also works with people wanting to transfer funds to others in a safe manner with reduced fees. This unique method uses a single transaction process to reduce complicated back end systems hardware and architecture to calculate remaining balances. Vendors benefit from this system in that they are able to accomplish the number one goal of any retailer: getting the customers into their stores.

摘要翻译： 公开了一种独特和新颖的方法，其中为没有银行帐户但需要直接存款系统的安全性的人以安全的方式提供资金。 雇主得到减少文书工作和增加安全的好处，员工也获得了大量降低成本和收费资金的安全性。 该系统使用收银机上的零售商POS系统的退货或退款部分或通过其客户服务台进行独特的操作。 这种方法也适用于希望以安全的方式向他人转移资金的人们，减少费用。 这种独特的方法使用单个事务处理来减少复杂的后端系统硬件和架构来计算剩余余量。 供应商受益于该系统，因为它们能够实现任何零售商的首要目标：让客户进入他们的商店。