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    METHOD AND SYSTEM FOR CREATING AND PROCESSING PERSONALIZED GIFT CARDS
    1.
    发明申请
    METHOD AND SYSTEM FOR CREATING AND PROCESSING PERSONALIZED GIFT CARDS 有权
    创造和处理个性化礼品卡的方法和系统

    公开(公告)号：US20140258019A1

    公开(公告)日：2014-09-11

    申请号：US13791122

    申请日：2013-03-08

    Applicant: ORBIS PATENTS, LTD.

    Inventor： Oran CUMMINS ,  Stephen DOYLE

    IPC: G06Q30/06

    CPC classification number: G06Q30/0621

    Abstract: A method for processing a personalized gift card transaction includes: receiving a gift card request from a consumer associated with a payment account, the request including a usage amount, a plurality of merchant identifiers, an account identifier associated with the payment account, and a message; identifying a personalized gift card number; storing a gift card data entry including the personalized gift card number, usage amount, plurality of merchant identifiers, account identifier, and message; transmitting the personalized gift card number; receiving an authorization request for a financial transaction not involving the consumer, the request including the personalized gift card number, a transaction amount, and at least one merchant identifier of the plurality of merchant identifiers; processing the financial transaction including updating, in the database, the usage amount of the gift card data entry based on the transaction amount; and transmitting the message to a recipient of the personalized gift card.

    Abstract translation: 一种用于处理个性化礼品卡交易的方法包括：从与支付帐户相关联的消费者接收礼品卡请求，所述请求包括使用量，多个商家标识符，与支付帐户相关联的帐户标识符和消息 ; 识别个性化礼品卡号码; 存储包括个性化礼品卡号，使用量，多个商家标识符，帐户标识符和消息的礼品卡数据条目; 发送个性化礼品卡号码; 接收不涉及消费者的金融交易的授权请求，所述请求包括所述个性化礼品卡号，交易金额以及所述多个商家标识符中的至少一个商家标识符; 处理金融交易，包括在数据库中更新基于交易金额的礼品卡数据输入的使用量; 并将消息发送到个性化礼品卡的接收者。

    CREDIT CARD SYSTEM AND METHOD
    3.
    发明申请
    CREDIT CARD SYSTEM AND METHOD 审中-公开
    信用卡系统和方法

    公开(公告)号：US20140236831A1

    公开(公告)日：2014-08-21

    申请号：US14264110

    申请日：2014-04-29

    Applicant: ORBIS PATENTS LTD.

    Inventor： Daniel Ian FLITCROFT ,  Graham O'Donnell

    IPC: G06Q20/38

    CPC classification number: G06Q20/34 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/16 ,  G06Q20/24 ,  G06Q20/28 ,  G06Q20/342 ,  G06Q20/354 ,  G06Q20/3552 ,  G06Q20/357 ,  G06Q20/382 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/04 ,  G07F7/025 ,  G07F7/08 ,  G07F7/1008 ,  G07F7/12 ,  G07F7/122 ,  G07F19/00 ,  G07F19/2055

    Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.

    Abstract translation: 提供了一种信用卡系统，其附加功能是提供额外的有限使用信用卡号码和/或卡。 这些数字和/或卡可以用于单个或有限的使用交易，从而减少对这些号码和/或卡的欺诈重用的可能性。 信用卡系统通过电话或互联网将应用程序应用于“卡远程”交易。 另外，当使用单次使用或限制使用的信用卡进行“卡存在”交易时，消除所谓的“撇号”欺诈。 各种其他功能增强了信用卡系统，这将允许安全交易，而无需使用精心的加密技术。 还提供了限制，分发和使用有限使用卡号码，控制有限使用信用卡号码的有效性，进行有限使用信用卡号码交易和提供用于访问有限使用信用卡号码的远程访问设备的方法。

    CREDIT CARD SYSTEM AND METHOD
    5.
    发明申请
    CREDIT CARD SYSTEM AND METHOD 审中-公开

    公开(公告)号：US20130204781A1

    公开(公告)日：2013-08-08

    申请号：US13829514

    申请日：2013-03-14

    Applicant: ORBIS PATENTS LTD.

    Inventor： Daniel I. FLITCROFT ,  Graham O'DONNELL

    IPC: G06Q20/40

    Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.

    Business-to-business commerce using financial transaction numbers
    6.
    发明申请
    Business-to-business commerce using financial transaction numbers 审中-公开
    使用金融交易号码的企业对企业商业

    公开(公告)号：US20030018567A1

    公开(公告)日：2003-01-23

    申请号：US10160190

    申请日：2002-06-04

    Applicant: Orbis Patents Ltd.

    Inventor： Daniel Ian Flitcroft ,  Graham O'Donnell ,  Conor Langford ,  James Carroll

    IPC: G06F017/60

    CPC classification number: G06Q20/40 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/108 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/385 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/04

    Abstract: Controlled Payment Numbers (CPNs) which issue as a unique payment number for each transaction uniquely identify the transaction for matching the purchase and payment information. The issuance of the CPN is controlled by business rules which are designed to and effectively restrict the use of the CPN, such that if a user exceed his authorization, a CPN is not issued. The business rules are set-up according to a heirarchy of users. Further, a declining balance CPN is also provided.

    Abstract translation: 作为每个交易的唯一支付号码发行的受控付款号码（CPN）唯一地标识交易以匹配购买和支付信息。 CPN的发行由业务规则控制，业务规则旨在有效地限制使用CPN，如果用户超过其授权，则不会发出CPN。 业务规则是根据用户的权限设置的。 此外，还提供了下降的平衡CPN。

    Method and system for creating and processing personalized gift cards
    9.
    发明授权
    Method and system for creating and processing personalized gift cards 有权
    个性化礼品卡的制作和处理方法和系统

    公开(公告)号：US09508096B2

    公开(公告)日：2016-11-29

    申请号：US13791122

    申请日：2013-03-08

    Applicant: Orbis Patents, Ltd.

    Inventor： Oran Cummins ,  Stephen Doyle

    IPC: G06Q30/00 ,  G06Q30/06

    CPC classification number: G06Q30/0621

    Abstract: A method for processing a personalized gift card transaction includes: receiving a gift card request from a consumer associated with a payment account, the request including a usage amount, a plurality of merchant identifiers, an account identifier associated with the payment account, and a message; identifying a personalized gift card number; storing a gift card data entry including the personalized gift card number, usage amount, plurality of merchant identifiers, account identifier, and message; transmitting the personalized gift card number; receiving an authorization request for a financial transaction not involving the consumer, the request including the personalized gift card number, a transaction amount, and at least one merchant identifier of the plurality of merchant identifiers; processing the financial transaction including updating, in the database, the usage amount of the gift card data entry based on the transaction amount; and transmitting the message to a recipient of the personalized gift card.

    Abstract translation: 一种用于处理个性化礼品卡交易的方法包括：从与支付帐户相关联的消费者接收礼品卡请求，所述请求包括使用量，多个商家标识符，与支付帐户相关联的帐户标识符和消息 ; 识别个性化礼品卡号码; 存储包括个性化礼品卡号，使用量，多个商家标识符，帐户标识符和消息的礼品卡数据条目; 发送个性化礼品卡号码; 接收不涉及消费者的金融交易的授权请求，所述请求包括所述个性化礼品卡号，交易金额以及所述多个商家标识符中的至少一个商家标识符; 处理金融交易，包括在数据库中更新基于交易金额的礼品卡数据输入的使用量; 并将消息发送到个性化礼品卡的接收者。

    CREDIT CARD SYSTEM AND METHOD HAVING ADDITIONAL FEATURES
    10.
    发明申请
    CREDIT CARD SYSTEM AND METHOD HAVING ADDITIONAL FEATURES 审中-公开
    信用卡系统和附加特征的方法

    公开(公告)号：US20140122340A1

    公开(公告)日：2014-05-01

    申请号：US14150231

    申请日：2014-01-08

    Applicant: ORBIS PATENTS LTD.

    Inventor： Daniel Ian FLITCROFT ,  Garry LYONS

    IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/24

    Abstract: A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.

    Abstract translation: 提供了一种信用卡系统，其附加功能是提供额外的有限使用信用卡号码和/或卡。 这些数字和/或卡可以用于单个或有限的使用交易，从而减少对这些号码和/或卡的欺诈重用的可能性。 信用卡系统通过电话或互联网将应用程序应用于“卡远程”交易。 另外，当使用单次使用或限制使用的信用卡进行“卡存在”交易时，消除所谓的“撇号”欺诈。 各种其他功能增强了信用卡系统，这将允许安全交易，而无需使用精细的加密技术。 还提供了限制，分发和使用有限使用卡号码，控制有限使用信用卡号码的有效性，进行有限使用信用卡号码交易和提供用于访问有限使用信用卡号码的远程访问设备的方法。

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