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公开(公告)号：US20120284183A1
公开(公告)日：2012-11-08
申请号：US13204441
申请日：2011-08-05
IPC分类号： G06Q40/00
摘要： Entry level banking products that may be offered through traditional sales channels (e.g., retail banking locations, online, etc.) or alternative sales channels (co-placement or co-branded with a third-party), to new customers who traditionally do not rely on conventional or mainstream checking, savings, and/or credit account products are described herein. The methods and systems described herein provide predictable, low cost pricing, guardrails on spending, budget controls, and financial education, while designed to be a low cost solution to serve all markets of banking customers. Aspects may include a variety of financial products, including a reloadable prepaid card, savings account or savings wallet, custom savings plan services, a contactless payment sticker, budget tools, online banking, online bill pay, convenience checks, and low monthly fees. A bundled package including the payment card and tag, as well as other information, may be made available from banking centers (e.g., bank branches) based on a client needs assessment, as well as made available in prepackaged containers sold or distributed at merchants, e.g., on J-hook racks or similar displays.
摘要翻译： 可能通过传统销售渠道（例如零售银行地点，在线等）或其他销售渠道（与第三方共同配售）或其他销售渠道提供的入门级银行产品，传统上不会向新客户提供 依靠常规或主流检查，储蓄和/或信用账户产品在这里被描述。 本文所述的方法和系统提供了可预测的低成本定价，支出护栏，预算控制和金融教育，同时旨在成为为银行客户所有市场提供服务的低成本解决方案。 方面可能包括各种金融产品，包括可重新加载的预付卡，储蓄账户或储蓄钱包，定制储蓄计划服务，非接触式付款贴纸，预算工具，网上银行，网上帐单支付，便利支票和低月费。 可以根据客户需求评估从银行中心（例如银行分行）获得包括支付卡和标签的捆绑包以及其他信息，并且可以在商家出售或分发的预先包装的集装箱中提供， 例如，在J型挂钩机架或类似的显示器上。
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公开(公告)号：US08650123B2
公开(公告)日：2014-02-11
申请号：US13204441
申请日：2011-08-05
IPC分类号： G06Q40/00
摘要： Entry level banking products that may be offered through traditional sales channels (e.g., retail banking locations, online, and the like) or alternative sales channels (co-placement or co-branded with a third-party), to new customers who traditionally do not rely on conventional or mainstream checking, savings, and/or credit account products are described herein. Aspects described herein provide predictable, low cost pricing, guardrails on spending, budget controls, and financial education, while offering a low cost solution to serve all markets of banking customers. Aspects may include a reloadable prepaid card, savings account or savings wallet, custom savings plan services, a contactless payment sticker, budget tools, online banking, online bill pay, convenience checks, and low monthly fees. A bundled package may be made available from banking centers (e.g., bank branches) based on a client needs assessment, as well as made available in prepackaged containers sold or distributed at merchants.
摘要翻译： 可以通过传统销售渠道（例如零售银行地点，在线等）或其他销售渠道（与第三方共同配售）提供的入门级银行产品传递给传统销售渠道的新客户 不依赖于常规或主流检查，储蓄和/或信用账户产品。 本文所述方面提供可预测的低成本定价，支出管理，预算控制和金融教育，同时提供低成本解决方案来为所有银行客户市场提供服务。 方面可能包括可重新加载的预付卡，储蓄账户或储蓄钱包，定制储蓄计划服务，非接触式付款贴纸，预算工具，网上银行，网上帐单支付，便利支票和低月费。 捆绑包可以根据客户需求评估从银行中心（例如，银行分行）获得，并且可以在商家出售或分发的预先包装的集装箱中提供。
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公开(公告)号：US08600882B2
公开(公告)日：2013-12-03
申请号：US13157135
申请日：2011-06-09
IPC分类号： G06Q40/00
CPC分类号： G06Q20/28
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing one or more prepaid cards, prepaid card accounts, and/or prepaid card account services. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction includes a transaction machine, a prepaid card account, and a holder of the prepaid card account; (b) determining, based at least partially on the transaction information, that the transaction involves the prepaid card account; (c) determining that the prepaid card account has a budget category; (d) determining, based at least partially on the transaction information, that the transaction applies to the budget category; (e) determining that the budget category has a spending threshold; (f) determining, based at least partially on the transaction information, that the spending threshold will be (or has been) met as a result of the transaction; and (g) sending an alert to the holder based at least partially on the determining that the spending threshold will be (or has been) met.
摘要翻译： 一般来说，本发明的实施例涉及用于提供一个或多个预付卡，预付卡帐户和/或预付卡账户服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中所述交易包括交易机器，预付卡账户和所述预付卡账户的持有人; （b）至少部分地基于交易信息确定交易涉及预付卡账户; （c）确定预付卡帐户具有预算类别; （d）至少部分地基于交易信息确定交易适用于预算类别; （e）确定预算类别具有支出阈值; （f）至少部分地基于交易信息确定作为交易的结果将支付阈值（或已被）满足）; 并且（g）至少部分地基于确定消费阈值（或已被）满足）向持有者发送警报。
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公开(公告)号：US20130124409A1
公开(公告)日：2013-05-16
申请号：US13293952
申请日：2011-11-10
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q20/28 , G06Q20/349 , G06Q20/36 , G07F7/08
摘要： A reloadable prepaid platform configured to permit reloading of a general purpose prepaid card at an automated teller machine (ATM) is disclosed. Particularly, the prepaid platform interacts with an ATM of the financial institution associated with the prepaid card in order to receive funds from the user at the ATM and reload the prepaid card. The reload may generally be a cash reload; however, check reloads as well as transfer reloads from other accounts are contemplated herein.
摘要翻译： 公开了一种被配置为允许在自动取款机（ATM）上重新加载通用预付卡的可重新加载的预付费平台。 特别地，预付费平台与与预付卡相关联的金融机构的ATM交互，以便在ATM处接收用户的资金并重新加载预付卡。 重新载入通常可以是现金重新装载; 然而，检查重新加载以及来自其他帐户的转移重新加载在本文中。
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公开(公告)号：US20120239564A1
公开(公告)日：2012-09-20
申请号：US13157135
申请日：2011-06-09
IPC分类号： G06Q40/00
CPC分类号： G06Q20/28
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing one or more prepaid cards, prepaid card accounts, and/or prepaid card account services. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction includes a transaction machine, a prepaid card account, and a holder of the prepaid card account; (b) determining, based at least partially on the transaction information, that the transaction involves the prepaid card account; (c) determining that the prepaid card account has a budget category; (d) determining, based at least partially on the transaction information, that the transaction applies to the budget category; (e) determining that the budget category has a spending threshold; (f) determining, based at least partially on the transaction information, that the spending threshold will be (or has been) met as a result of the transaction; and (g) sending an alert to the holder based at least partially on the determining that the spending threshold will be (or has been) met.
摘要翻译： 一般来说，本发明的实施例涉及用于提供一个或多个预付卡，预付卡帐户和/或预付卡账户服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中所述交易包括交易机器，预付卡账户和所述预付卡账户的持有人; （b）至少部分地基于交易信息确定交易涉及预付卡账户; （c）确定预付卡帐户具有预算类别; （d）至少部分地基于交易信息确定交易适用于预算类别; （e）确定预算类别具有支出阈值; （f）至少部分地基于交易信息确定作为交易的结果将支付阈值（或已被）满足）; 并且（g）至少部分地基于确定消费阈值（或已被）满足）向持有者发送警报。
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公开(公告)号：US20120239474A1
公开(公告)日：2012-09-20
申请号：US13157125
申请日：2011-06-09
CPC分类号： G06Q30/0207 , G06Q40/02
摘要： In general terms, embodiments of the present invention relate to a prepaid card account that can accumulate rewards (e.g., points, miles, credits, bonuses, cash back, etc.). For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction includes a transaction amount and involves a prepaid card account; (b) determining that the prepaid card account has a balance; (c) determining, based at least partially on the transaction information, that the transaction amount does not exceed the balance; (d) authorizing the transaction based at least partially on the determining that the transaction amount does not exceed the balance; (e) determining that the transaction is completed; and (f) attributing rewards to the prepaid card account based at least partially on the determining that the transaction is completed. Other embodiments provide a method that includes: (a) receiving funds from a holder of a prepaid card account; (b) increasing a balance of the prepaid card account based at least partially on receiving the funds; and (c) attributing rewards to the prepaid card account based at least partially on the holder loading the prepaid card account.
摘要翻译： 一般来说，本发明的实施例涉及可以积累奖励（例如，积分，里程，信用，奖金，现金返还等）的预付卡账户。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中所述交易包括交易金额并涉及预付卡账户; （b）确定预付卡账户有余额; （c）至少部分地基于交易信息确定交易金额不超过余额; （d）至少部分授权交易，确定交易金额不超过余额; （e）确定交易完成; 和（f）至少部分地基于确定交易完成将奖励归因于预付卡账户。 其他实施例提供一种方法，其包括：（a）从预付卡账户的持有人接收资金; （b）至少部分依靠收到资金增加预付卡账户余额; 和（c）至少部分地基于载入预付卡账户的持有人将奖励归于预付卡账户。
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