公开(公告)号：US10062075B2

公开(公告)日：2018-08-28

申请号：US14070800

申请日：2013-11-04

申请人： Robert Skiba ,  Tim Richardson ,  Jeff Lewis ,  Devin Wade

发明人： Robert Skiba ,  Tim Richardson ,  Jeff Lewis ,  Devin Wade

IPC分类号： G06Q20/34 ,  G06Q20/20

CPC分类号： G06Q20/3574 ,  G06Q20/204 ,  G06Q20/3572

摘要： The invention is generally directed to methods of conducting transactions using a dual function card that is transacted amongst a processor in communication with a point of sale: receiving a message including: an indicia of the card and identifiers of goods; identifying a closed loop account and amount, a schedule of eligible goods, and an open loop account and amount; determining eligible goods and a purchase amount; comparing the purchase amount to the amount in the closed loop account, and if the purchase amount is less than or equal to value in the closed loop account, authorizing the transaction. Upon a determination that the purchase amount is less than the amount in the closed loop account, determining if the value in the open loop account is greater than or equal to the deficit, and if so, deducting all value from the closed loop account and the deficit from the open loop account.

公开(公告)号：US20120150553A1

公开(公告)日：2012-06-14

申请号：US13118147

申请日：2011-05-27

申请人： Devin Wade

发明人： Devin Wade

IPC分类号： G06Q50/00 ,  G06Q30/00

CPC分类号： G06Q20/202 ,  G06Q20/20 ,  G06Q20/387 ,  G06Q30/0207 ,  G06Q30/0637 ,  G06Q30/0643

摘要： A system is provided for multiple retailers to participate in restricted spend card programs. A retailer infrastructure includes a point of sale server coupled to a store concentrator and to a product tables/price book(s). An adjudication processor is coupled to the retailer. A catalog management processor includes a server coupled to the adjudication processor. The catalog management processor creates a catalog of UPC's for each of a participating retailer. Each catalog includes first and second sets of UPC data. The first set is for national brand products and the second set is for retailer private label products.

摘要翻译： 为多个零售商提供了一个参与限制支出卡计划的系统。 零售商基础设施包括耦合到商店集中器的销售点服务器和产品表/价格簿。 裁决处理器耦合到零售商。 目录管理处理器包括耦合到裁判处理器的服务器。 目录管理处理器为每个参与零售商创建UPC的目录。 每个目录包括第一组和第二组UPC数据。 第一套是国家品牌产品，第二套是零售商私人标签产品。

公开(公告)号：US20150127476A1

公开(公告)日：2015-05-07

申请号：US14070800

申请日：2013-11-04

申请人： Robert Skiba ,  Tim Richardson ,  Jeff Lewis ,  Devin Wade

发明人： Robert Skiba ,  Tim Richardson ,  Jeff Lewis ,  Devin Wade

IPC分类号： G06Q20/34 ,  G06Q20/20

CPC分类号： G06Q20/3574 ,  G06Q20/204 ,  G06Q20/3572

摘要： The invention is generally directed to methods of conducting transactions using a dual function card that is transacted amongst a processor in communication with a point of sale: receiving a message including: an indicia of the card and identifiers of goods; identifying a closed loop account and amount, a schedule of eligible goods, and an open loop account and amount; determining eligible goods and a purchase amount; comparing the purchase amount to the amount in the closed loop account, and if the purchase amount is less than or equal to value in the closed loop account, authorizing the transaction. Upon a determination that the purchase amount is less than the amount in the closed loop account, determining if the value in the open loop account is greater than or equal to the deficit, and if so, deducting all value from the closed loop account and the deficit from the open loop account.

摘要翻译： 本发明一般涉及使用在与销售点通信的处理器之间交易的双功能卡进行交易的方法：接收消息，包括：卡的标记和商品的标识符; 确定一个闭环账户和金额，合格商品的时间表，以及一个开放账户和金额; 确定合格商品和购买金额; 将购买金额与闭环账户中的金额进行比较，如果购买金额小于或等于闭环账户中的价值，则授权交易。 在确定购买金额小于闭环账户中的金额时，确定开环账户中的价值是否大于或等于赤字，如果是，则从闭环账户中扣除所有价值， 来自开环帐户的赤字。

公开(公告)号：US20120150697A1

公开(公告)日：2012-06-14

申请号：US13117010

申请日：2011-05-26

申请人： Devin Wade

发明人： Devin Wade

IPC分类号： G06Q30/00 ,  G06Q40/00

CPC分类号： G06Q30/0637 ,  G06Q20/40 ,  G06Q30/0643

摘要： A method is provided for multiple retailers to participate in restricted spend financial transaction card programs. A restricted spend financial transaction card system is provided that includes an adjudication processor system coupled to a retailer infrastructure. The adjudication processor system includes a switch, a market basket analysis server and a process control server. The market basket analysis server is used to validate items in a market basket. Content attributes of the market basket are communicated from the market basket analysis server to the switch. The switch, market basket analysis server, a catalog management server and the process control server are used for adjudication.

摘要翻译： 为多个零售商提供了一种方法来参与有限的金融交易卡计划。 提供了限制性支出金融交易卡系统，其包括耦合到零售商基础设施的裁决处理器系统。 裁定处理器系统包括开关，市场篮子分析服务器和过程控制服务器。 市场篮分析服务器用于验证市场篮子中的项目。 市场篮子的内容属性从市场篮分析服务器传送到交换机。 交换机，市场篮分析服务器，目录管理服务器和过程控制服务器用于裁决。

公开(公告)号：US20120150668A1

公开(公告)日：2012-06-14

申请号：US13118159

申请日：2011-05-27

申请人： DEVIN WADE

发明人： DEVIN WADE

IPC分类号： G06Q30/00

CPC分类号： G06Q20/202 ,  G06Q20/20 ,  G06Q20/387 ,  G06Q30/0207 ,  G06Q30/0637 ,  G06Q30/0643

摘要： A method is provided for multiple retailers to participate in restricted spend card programs. A retailer infrastructure is provided that includes a point of sale server coupled to a store concentrator and to a product tables/price book(s). An adjudication processor and a catalog management processor are coupled to the adjudication processor. The catalog management processor is used to create one or more catalogs of UPC's for each of a participating retailer. Each catalog includes first and second sets of UPC data. The first set is for national brand products and the second set is for retailer private label products.

摘要翻译： 为多个零售商提供一种方法来参与有限度的开支卡计划。 提供零售商基础设施，其包括耦合到商店集中器的销售点服务器和产品表/价格簿。 裁定处理器和目录管理处理器耦合到裁定处理器。 目录管理处理器用于为每个参与的零售商创建一个或多个UPC的目录。 每个目录包括第一组和第二组UPC数据。 第一套是国家品牌产品，第二套是零售商私人标签产品。

公开(公告)号：US20120150554A1

公开(公告)日：2012-06-14

申请号：US13118172

申请日：2011-05-27

申请人： Devin Wade

发明人： Devin Wade

IPC分类号： G06Q50/00 ,  G06Q10/00

CPC分类号： G06Q50/22 ,  G06Q20/202 ,  G06Q20/387 ,  G06Q30/0207

摘要： A method is provided for creating a Pseudo-prescription for over the counter items. A retailer infrastructure is provided that includes a point of sale server coupled to a store concentrator and to a product tables/price book(s). An adjudication processor and a claims processor with a process control server are also provided. A Pseudo-prescription is created that contains an NDC for each over-the-counter item being purchased prior to determining if the claims processor.

摘要翻译： 提供了一种用于在计数器项上创建伪处方的方法。 提供零售商基础设施，其包括耦合到商店集中器的销售点服务器和产品表/价格簿。 还提供了一种具有过程控制服务器的裁定处理器和权利要求处理器。 创建伪处方，其在确定是否是权利要求处理器之前，为购买的每个非处方商品包含NDC。

公开(公告)号：US20110087592A1

公开(公告)日：2011-04-14

申请号：US12578225

申请日：2009-10-13

申请人： Larry van der Veen ,  Charles Marshall ,  Paul Spaeth ,  Devin Wade

发明人： Larry van der Veen ,  Charles Marshall ,  Paul Spaeth ,  Devin Wade

IPC分类号： G06Q20/00 ,  G06F17/00 ,  G06F15/16

CPC分类号： G06Q20/12 ,  G06Q20/227 ,  G06Q20/26 ,  G06Q20/40 ,  G06Q20/405

摘要： Pursuant to some embodiments, a payment account including multiple subaccounts is provided where each subaccount can be used only for payment for a designated category of products. Pursuant to some embodiments, purchases using the subaccounts can be automatically combined in a single transaction to redeem multiple categories of products, with each subaccount providing funds for the redemption of a single product category. In some embodiments, the payment account may include a subaccount that contains value that is unrestricted and available for general spending or to automatically provide supplementary funds for the redemption of products from subaccounts with product category restrictions. The value contained within each subaccount may be immediately available funds, access to credit provided by an entity who has agreed to extend credit to the account holder for purchasing products in a designated category or a combination of these types of value. Alternatively, in some embodiments, the value may include benefits provided by a health care plan whose redemption is limited to specific categories of products and services as provided by the plan.

摘要翻译： 根据一些实施例，提供了包括多个子帐户的支付帐户，其中每个子帐户仅可以用于指定类别的产品的支付。 根据一些实施例，使用子账户的购买可以在单个交易中自动组合以兑换多个类别的产品，每个子帐户为赎回单个商品类别提供资金。 在一些实施例中，支付帐户可以包括子帐户，该子帐户包含无限制且可用于一般支出的价值，或者自动提供用于从具有产品类别限制的子帐户兑换产品的补充资金。 每个子帐户中包含的价值可以是立即可用的资金，获得由同意向账户持有者提供信用的实体提供的信贷，以便以指定类别购买产品或这些类型的价值的组合。 或者，在一些实施例中，该值可以包括由保健计划提供的福利，其救赎被限于由该计划提供的特定类别的产品和服务。

公开(公告)号：US20100010901A1

公开(公告)日：2010-01-14

申请号：US12172206

申请日：2008-07-11

申请人： Charles T. Marshall ,  Devin Wade

发明人： Charles T. Marshall ,  Devin Wade

IPC分类号： G06Q30/00 ,  G06Q40/00

CPC分类号： G06Q20/20 ,  G06Q20/105 ,  G06Q20/204 ,  G06Q30/04

摘要： A point-of-sale system comprises a webserver that receives lists of products and services offered at retail points of sale, and that can sort them into items that are qualified, conditionally qualified, and non-qualified to be purchased by a cardholder using a flexible spending account payment card. The qualified items are permissible to be purchased by all cardholders, but purchases of conditionally qualified items are only permissible when the cardholder has registered a particular qualifying characteristic. For example, a health condition for which a doctor has prescribed the retail item for purchase. The demographics of the cardholders are available for affinity programs, promotional offers, discounts, and rebates. Such are proffered at the point of sale during transaction authorization to be considered by the cardholder or to be automatically exercised. Purchases in excess of the funds then available in the cardholders' flexible spending accounts can be deducted from other registered accounts or payrolls.

摘要翻译： 销售点系统包括网络服务器，其接收在零售点销售点提供的产品和服务的列表，并且可以将它们分类为有资格的，有条件的资格的，且不被持卡人使用 灵活支出帐户支付卡。 有资格的项目可以由所有持卡人购买，但只有当持卡人注册了特定的符合条件的特征时，才允许购买条件合格的商品。 例如，医生规定了要购买的零售物品的健康状况。 持卡人的人口统计数据可用于亲和力计划，促销优惠，折扣和折扣。 这种交易授权中的销售点是由持卡人考虑或被自动行使的。 超过持卡人灵活支出账户可用资金的购买可以从其他注册账户或工资单中扣除。

公开(公告)号：US20100010909A1

公开(公告)日：2010-01-14

申请号：US12172201

申请日：2008-07-11

申请人： CHARLES T. MARSHALL ,  Devin Wade ,  Larry van der Veen

发明人： CHARLES T. MARSHALL ,  Devin Wade ,  Larry van der Veen

IPC分类号： G06Q30/00 ,  G06Q10/00

CPC分类号： G06Q20/26 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q20/405 ,  G06Q30/02 ,  G06Q30/0601

摘要： A benefits ordering system provides flexible spending account debit cards to employees and allows their employer to enroll in a Plan that ensures compliance with ERISA regulations. The system applies compliance rules during a data collection and plan definition stages of ordering, and produces an ERISA-compliant Plan and documentation as legally required. A directed questioning and answering wizard guides companies and participants through the placing of orders for products. The particular sequence of questions is dependent on the products being ordered, and the parameters drive variations in the plans. Rules and parameters are built into libraries used by the system, and it is these that direct the information collection flow. Each type of Plan is constructed from previously composed paragraphs that are threaded together to encapsulate the parameters and include the required components. Plans can be modified, if new compliance rules must be met, based on changing parameters.

摘要翻译： 福利订购系统向员工提供灵活的支出帐户借记卡，并允许雇主注册一个确保符合ERISA法规的计划。 系统在订购数据收集和计划定义阶段期间应用合规性规则，并按法律要求生成符合ERISA的计划和文档。 有针对性的问答向导将通过下达产品订单来指导公司和参与者。 问题的具体顺序取决于正在订购的产品，参数会推动计划的变化。 规则和参数内置于系统使用的库中，这些是指导信息收集流程的。 每种类型的计划都是由先前组合的段落构成的，这些段将线程化在一起以封装参数并包含所需的组件。 如果必须满足新的合规性规则，则可以根据更改的参数修改计划。

公开(公告)号：US20120150694A1

公开(公告)日：2012-06-14

申请号：US13117003

申请日：2011-05-26

申请人： Devin Wade

发明人： Devin Wade

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0637 ,  G06Q20/40 ,  G06Q30/0643

摘要： A system is provided for multiple retailers to participate in restricted spend financial transaction card programs. A retailer infrastructure includes a point of sale server coupled to a store concentrator and to a product tables/price book(s). An adjudication processor is coupled to the retailer infrastructure and includes: a switch, a market basket analysis server that validates items in a market basket and a process control server. The market basket analysis server is coupled to product catalogs and validates eligible items in the market basket. Content attributes in the market basket are communicated between the market basket analysis server and the switch. A catalog management server is coupled to the adjudication processor. The switch, market basket analysis server, catalog management server and the process control server are configured to provide adjudication.

摘要翻译： 为多个零售商提供了一个系统来参与有限制的金融交易卡计划。 零售商基础设施包括耦合到商店集中器的销售点服务器和产品表/价格簿。 裁定处理器耦合到零售商基础设施，包括：开关，市场篮子分析服务器，用于验证市场篮子中的物品和过程控制服务器。 市场篮子分析服务器耦合到产品目录并验证市场篮子中的合格项目。 市场篮子中的内容属性在市场篮分析服务器和交换机之间进行通信。 目录管理服务器耦合到裁判处理器。 交换机，市场篮分析服务器，目录管理服务器和进程控制服务器配置为提供裁决。