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公开(公告)号：US5477038A
公开(公告)日：1995-12-19
申请号：US141772
申请日：1993-10-25
CPC分类号： G07F7/02 , G06Q20/04 , G06Q20/18 , G06Q20/342 , G06Q20/3437 , G06Q20/3558 , G07F7/025 , G07F7/1008
摘要： A process which provides electronic access to pre-paid funds for cash or payment for goods and services. A card is issued to a customer with a value selectable by the customer. The card has a magnetic stripe with an encoded card number including a bank identification number (BIN) and an account number. The central card processor establishes a zero balance database including the card numbers, but with blank fields for the customer data and the value of the account. When a customer purchases a card, the sales agent transmits to the central database computer which fills in the blanks in the database, activating the account, and transmits an acknowledgement signal back to the sales agent. The customer can immediately use the card in ATM or other remote terminals to acquire cash or purchase goods and services. The customer inputs a PIN number which is provided with the card, or a customer selected alternative PIN number.
摘要翻译： 提供电子访问预付资金以获得现金或货物和服务付款的过程。 向客户发出一张可由客户选择的价值的卡片。 该卡具有包含银行识别码（BIN）和帐号的编码卡号的磁条。 中央卡处理器建立包括卡号的零余额数据库，但是包含客户数据的空白字段和帐户的值。 当客户购买卡时，销售代理向中央数据库计算机发送填写数据库中的空白，激活帐户，并将确认信号发送回销售代理。 客户可以立即使用ATM或其他远程终端上的卡获取现金或购买商品和服务。 客户输入该卡提供的PIN号码，或客户选择的替代PIN号码。
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公开(公告)号：USRE36365E
公开(公告)日：1999-11-02
申请号：US707733
申请日：1996-09-04
CPC分类号： G07F7/02 , G06Q20/04 , G06Q20/18 , G06Q20/342 , G06Q20/3437 , G06Q20/3558 , G07F7/025 , G07F7/1008
摘要： A process which provides electronic access to pre-paid funds for cash or payment for goods and services. A card is issued to a customer with a value selectable by the customer. The card has a magnetic stripe with an encoded card number including a bank identification number (BIN) and an account number. The central card processor establishes a zero balance database including the card numbers, but with blank fields for the customer data and the value of the account. When a customer purchases a card, the sales agent transmits to the central database computer which fills in the blanks in the database, activating the account, and transmits an acknowledgment signal back to the sales agent. The customer can immediately use the card in ATM or other remote terminals to acquire cash or purchase goods and services. The customer inputs a PIN number which is provided with the card, or a customer selected alternative PIN number.
摘要翻译： 提供电子访问预付资金以获得现金或货物和服务付款的过程。 向客户发出一张可由客户选择的价值的卡片。 该卡具有包含银行识别码（BIN）和帐号的编码卡号的磁条。 中央卡处理器建立包括卡号的零余额数据库，但是包含客户数据的空白字段和帐户的值。 当客户购买卡时，销售代理向中央数据库计算机发送填写数据库中的空白，激活帐户，并将确认信号发送回销售代理。 客户可以立即使用ATM或其他远程终端上的卡获取现金或购买商品和服务。 客户输入该卡提供的PIN号码，或客户选择的替代PIN号码。
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公开(公告)号：USRE38255E1
公开(公告)日：2003-09-23
申请号：US09826564
申请日：2001-04-02
IPC分类号： G06K500
CPC分类号： G07F7/02 , G06Q20/04 , G06Q20/18 , G06Q20/342 , G06Q20/3437 , G06Q20/3558 , G07F7/025 , G07F7/1008
摘要： A process which provides electronic access to pre-paid funds for cash or payment for goods and services. A card is issued to a customer with a value selectable by the customer. The card has a magnetic stripe with an encoded card number including a bank identification number (BIN) and an account number. The central card processor establishes a zero balance database including the card numbers, but with blank fields for the customer data and the value of the account. When a customer purchases a card, the sales agent transmits to the central database computer which fills in the blanks in the database, activating the account, and transmits an acknowledgement signal back to the sales agent. The customer can immediately use the card in ATM or other remote terminals to acquire cash or purchase goods and services. The customer inputs a PIN number which is provided with the card, or a customer selected alternative PIN number.
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公开(公告)号：USRE37122E1
公开(公告)日：2001-04-03
申请号：US09062517
申请日：1998-04-17
IPC分类号： G06K500
CPC分类号： G07F7/02 , G06Q20/04 , G06Q20/18 , G06Q20/342 , G06Q20/3437 , G06Q20/3558 , G07F7/025 , G07F7/1008
摘要： A process which provides electronic access to pre-paid funds for cash or payment for goods and services. A card is issued to a customer with a value selectable by the customer. The card has a magnetic stripe with an encoded card number including a bank identification number (BIN) and an account number. The central card processor establishes a zero balance database including the card numbers, but with blank fields for the customer data and the value of the account. When a customer purchases a card, the sales agent transmits to the central database computer which fills in the blanks in the database, activating the account, and transmits an acknowledgement signal back to the sales agent. The customer can immediately use the card in ATM or other remote terminals to acquire cash or purchase goods and services. The customer inputs a PIN number which is provided with the card, or a customer selected alternative PIN number.
摘要翻译： 提供电子访问预付资金以获得现金或货物和服务付款的过程。 向客户发出一张可由客户选择的价值的卡片。 该卡具有包含银行识别码（BIN）和帐号的编码卡号的磁条。 中央卡处理器建立包括卡号的零余额数据库，但是包含客户数据的空白字段和帐户的值。 当客户购买卡时，销售代理向中央数据库计算机发送填写数据库中的空白，激活帐户，并将确认信号发送回销售代理。 客户可以立即使用ATM或其他远程终端上的卡获取现金或购买商品和服务。 客户输入该卡提供的PIN号码，或客户选择的替代PIN号码。
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