公开(公告)号：US20120179607A1

公开(公告)日：2012-07-12

申请号：US12986834

申请日：2011-01-07

申请人： Basil Munir Abifaker ,  Stephen Jones

发明人： Basil Munir Abifaker ,  Stephen Jones

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q30/0207 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/3433 ,  G06Q20/3437 ,  G06Q20/349 ,  G06Q20/40 ,  G06Q30/06

摘要： The current subject matter provides techniques in which stored value from a stored value account can be redeemed at two or more backend stored value account processors in either a single transaction or multiple transactions. Techniques are also described for redeeming stored value from stored value accounts that correspond to bundled items. Related apparatus, systems, techniques and articles are also described.

摘要翻译： 当前主题提供了一种技术，其中来自存储值帐户的存储值可以在单个事务或多个事务中的两个或多个后端存储值帐户处理器上兑换。 还描述了用于从对应于捆绑物品的存储值帐户兑换存储值的技术。 还描述了相关设备，系统，技术和物品。

公开(公告)号：US20090210318A1

公开(公告)日：2009-08-20

申请号：US12433736

申请日：2009-04-30

申请人： Basil Munir Abifaker

发明人： Basil Munir Abifaker

IPC分类号： G06Q30/00 ,  H04M3/42 ,  H04W4/12

CPC分类号： G06Q30/0601 ,  G06Q20/10 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02

摘要： Methods and apparatus, including computer program products, for gift card services. In general, data characterizing a request to provide a merchant credit service to an intended recipient is received and a message to be sent to the intended recipient is generated, where the message characterizes a phone number to call to activate the merchant credit service. Data characterizing authentication by a call to the phone number to activate the merchant credit service from the mobile phone number of the intended recipient is received, where the authentication includes checking caller identification of the call to ensure the call is from the mobile phone number of the intended recipient. The merchant credit service is activated. Credit associated with an account of a merchant credit service may be redeemed by providing an account number of the service. Redemption may be authorized based on caller identification of a mobile phone number associated with an account.

摘要翻译： 方法和设备，包括计算机程序产品，用于礼品卡服务。 一般来说，表征向预期接收者提供商家信用服务的请求的数据被接收，并且生成要发送到预期接收者的消息，其中消息表征要呼叫的电话号码以激活商家信用服务。 接收通过对电话号码的呼叫来表征认证的数据，以从预期接收者的移动电话号码激活商家信用服务，其中认证包括检查呼叫的呼叫者识别，以确保呼叫是从 预期收件人 商户信用服务被激活。 可以通过提供服务的帐号来兑换与商家信用服务的帐户相关联的信用。 可以根据与帐户相关联的移动电话号码的呼叫者识别来授权兑换。

公开(公告)号：US20080059375A1

公开(公告)日：2008-03-06

申请号：US11851364

申请日：2007-09-06

申请人： Basil Munir Abifaker

发明人： Basil Munir Abifaker

IPC分类号： G06Q40/00

CPC分类号： G06Q20/322 ,  G06Q20/04 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/325 ,  G06Q20/3255 ,  G06Q20/327 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/06 ,  H04M1/00

摘要： Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction may be received, where the data is user-generated input and is received at a mobile phone associated with a mobile phone number. Wireless transmission of data characterizing a request to provide a payment card settlement service of a merchant account of a merchant account provider for the transaction may be initiated, where the wireless transmission is to be from the mobile phone over a carrier data network to an application server. Data characterizing authorization of settlement of the transaction with the payment card may be wirelessly received by the mobile phone from the application server.

摘要翻译： 方法和设备，包括计算机程序产品，用于手机支付卡终端。 通常，可以接收表征支付卡的数据和交易的结算金额，其中数据是用户生成的输入，并且在与移动电话号码相关联的移动电话上接收。 可以启动表征用于提供用于交易的商家帐户提供商的商户帐户的支付卡结算服务的请求的数据的无线传输，其中无线传输将通过运营商数据网络从移动电话到应用服务器 。 与支付卡结算交易的授权的数据可以由移动电话从应用服务器无线地接收。

公开(公告)号：US08521629B2

公开(公告)日：2013-08-27

申请号：US12433736

申请日：2009-04-30

申请人： Basil Munir Abifaker

发明人： Basil Munir Abifaker

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0601 ,  G06Q20/10 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02

摘要： Methods and apparatus, including computer program products, for gift card services. In general, data characterizing a request to provide a merchant credit service to an intended recipient is received and a message to be sent to the intended recipient is generated, where the message characterizes a phone number to call to activate the merchant credit service. Data characterizing authentication by a call to the phone number to activate the merchant credit service from the mobile phone number of the intended recipient is received, where the authentication includes checking caller identification of the call to ensure the call is from the mobile phone number of the intended recipient. The merchant credit service is activated. Credit associated with an account of a merchant credit service may be redeemed by providing an account number of the service. Redemption may be authorized based on caller identification of a mobile phone number associated with an account.

摘要翻译： 方法和设备，包括计算机程序产品，用于礼品卡服务。 一般来说，表征向预期接收者提供商家信用服务的请求的数据被接收，并且生成要发送到预期接收者的消息，其中消息表征要呼叫的电话号码以激活商家信用服务。 接收通过对电话号码的呼叫来表征认证的数据，以从预期接收者的移动电话号码激活商家信用服务，其中认证包括检查呼叫的呼叫者识别，以确保呼叫是从 预期收件人 商户信用服务被激活。 可以通过提供服务的帐号来兑换与商家信用服务的帐户相关联的信用。 可以根据与帐户相关联的移动电话号码的呼叫者识别来授权兑换。

公开(公告)号：US20080052164A1

公开(公告)日：2008-02-28

申请号：US11843598

申请日：2007-08-22

申请人： Basil Munir Abifaker

发明人： Basil Munir Abifaker

IPC分类号： G06Q20/00 ,  G06Q30/00

CPC分类号： G06Q30/0601 ,  G06Q20/10 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02

摘要： Methods and apparatus, including computer program products, for gift card services. In general, data characterizing a request to provide a merchant credit service to an intended recipient is received and a message to be sent to the intended recipient is generated, where the message characterizes a phone number to call to activate the merchant credit service. Data characterizing authentication by a call to the phone number to activate the merchant credit service from the mobile phone number of the intended recipient is received, where the authentication includes checking caller identification of the call to ensure the call is from the mobile phone number of the intended recipient. The merchant credit service is activated. Credit associated with an account of a merchant credit service may be redeemed by providing an account number of the service. Redemption may be authorized based on caller identification of a mobile phone number associated with an account.

摘要翻译： 方法和设备，包括计算机程序产品，用于礼品卡服务。 一般来说，表征向预期接收者提供商家信用服务的请求的数据被接收，并且生成要发送到预期接收者的消息，其中消息表征要呼叫的电话号码以激活商家信用服务。 接收通过对电话号码的呼叫来表征认证的数据，以从预期接收者的移动电话号码激活商家信用服务，其中认证包括检查呼叫的呼叫者识别，以确保呼叫是从 预期收件人 商户信用服务被激活。 可以通过提供服务的帐号来兑换与商家信用服务的帐户相关联的信用。 可以根据与帐户相关联的移动电话号码的呼叫者识别来授权兑换。

公开(公告)号：US20150026067A1

公开(公告)日：2015-01-22

申请号：US14508910

申请日：2014-10-07

申请人： Basil Munir Abifaker

发明人： Basil Munir Abifaker

IPC分类号： G06Q20/32 ,  G06Q20/34 ,  G06Q20/40

CPC分类号： G06Q20/322 ,  G06Q20/04 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/325 ,  G06Q20/3255 ,  G06Q20/327 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/06 ,  H04M1/00

摘要： Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction may be received, where the data is user-generated input and is received at a mobile phone associated with a mobile phone number. Wireless transmission of data characterizing a request to provide a payment card settlement service of a merchant account of a merchant account provider for the transaction may be initiated, where the wireless transmission is to be from the mobile phone over a carrier data network to an application server. Data characterizing authorization of settlement of the transaction with the payment card may be wirelessly received by the mobile phone from the application server.

摘要翻译： 方法和设备，包括计算机程序产品，用于手机支付卡终端。 通常，可以接收表征支付卡的数据和交易的结算金额，其中数据是用户生成的输入，并且在与移动电话号码相关联的移动电话处接收。 可以启动表征用于提供用于交易的商家帐户提供商的商户帐户的支付卡结算服务的请求的数据的无线传输，其中无线传输将通过运营商数据网络从移动电话到应用服务器 。 与支付卡结算交易的授权的数据可以由移动电话从应用服务器无线地接收。

公开(公告)号：US07711620B2

公开(公告)日：2010-05-04

申请号：US11843598

申请日：2007-08-22

申请人： Basil Munir Abifaker

发明人： Basil Munir Abifaker

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0601 ,  G06Q20/10 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02

摘要： Methods and apparatus, including computer program products, for gift card services. In general, data characterizing a request to provide a merchant credit service to an intended recipient is received and a message to be sent to the intended recipient is generated, where the message characterizes a phone number to call to activate the merchant credit service. Data characterizing authentication by a call to the phone number to activate the merchant credit service from the mobile phone number of the intended recipient is received, where the authentication includes checking caller identification of the call to ensure the call is from the mobile phone number of the intended recipient. The merchant credit service is activated. Credit associated with an account of a merchant credit service may be redeemed by providing an account number of the service. Redemption may be authorized based on caller identification of a mobile phone number associated with an account.

摘要翻译： 方法和设备，包括计算机程序产品，用于礼品卡服务。 一般来说，表征向预期接收者提供商家信用服务的请求的数据被接收，并且生成要发送到预期接收者的消息，其中消息表征要呼叫的电话号码以激活商家信用服务。 接收通过对电话号码的呼叫来表征认证的数据，以从预期接收者的移动电话号码激活商家信用服务，其中认证包括检查呼叫的呼叫者识别，以确保呼叫是从 预期收件人 商户信用服务被激活。 可以通过提供服务的帐号来兑换与商家信用服务的帐户相关联的信用。 可以根据与帐户相关联的移动电话号码的呼叫者识别来授权兑换。

公开(公告)号：US08909553B2

公开(公告)日：2014-12-09

申请号：US11851364

申请日：2007-09-06

申请人： Basil Munir Abifaker

发明人： Basil Munir Abifaker

IPC分类号： G06Q20/00 ,  G06Q30/00 ,  G06Q40/00 ,  G06Q20/04 ,  H04M1/00 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/06

CPC分类号： G06Q20/322 ,  G06Q20/04 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/325 ,  G06Q20/3255 ,  G06Q20/327 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/06 ,  H04M1/00

摘要： Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction may be received, where the data is user-generated input and is received at a mobile phone associated with a mobile phone number. Wireless transmission of data characterizing a request to provide a payment card settlement service of a merchant account of a merchant account provider for the transaction may be initiated, where the wireless transmission is to be from the mobile phone over a carrier data network to an application server. Data characterizing authorization of settlement of the transaction with the payment card may be wirelessly received by the mobile phone from the application server.

摘要翻译： 方法和设备，包括计算机程序产品，用于手机支付卡终端。 通常，可以接收表征支付卡的数据和交易的结算金额，其中数据是用户生成的输入，并且在与移动电话号码相关联的移动电话处接收。 可以启动表征用于提供用于交易的商家帐户提供商的商户帐户的支付卡结算服务的请求的数据的无线传输，其中无线传输将通过运营商数据网络从移动电话到应用服务器 。 与支付卡结算交易的授权的数据可以由移动电话从应用服务器无线地接收。

公开(公告)号：US08396772B2

公开(公告)日：2013-03-12

申请号：US13115923

申请日：2011-05-25

申请人： Basil Munir Abifaker

发明人： Basil Munir Abifaker

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q30/02 ,  G06Q30/0214 ,  G06Q30/0226 ,  G06Q40/00 ,  G06Q50/01

摘要： Methods and apparatus, including computer program products, for social networking services integrated with gift card services. In general, a profile of a member of a social networking service may be presented with one or more merchant credit services for prepaid merchant account credit, data characterizing a request to provide a credit service from the merchant credit services and a mobile phone number associated with an intended recipient of the first credit service may be received, and a message may be caused to be sent to the mobile phone number, where the message characterizes provision of the first credit service to the intended recipient. Interest in the credit service may be tracked and associated with a loyalty indicator associated with the member.

摘要翻译： 方法和设备，包括计算机程序产品，用于与礼品卡服务集成的社交网络服务。 通常，可以向社交网络服务的成员的简档呈现一个或多个用于预付费商户信用的商家信用服务，表征从商家信用服务提供信用服务的请求的数据和与商户信用服务相关联的移动电话号码 可以接收第一信用服务的预期接收者，并且可以使消息被发送到移动电话号码，其中消息表征了向预期接收者提供第一信用服务。 对信用服务的兴趣可能被跟踪并与与会员相关联的忠诚度指标相关联。

公开(公告)号：US20110288978A1

公开(公告)日：2011-11-24

申请号：US13115923

申请日：2011-05-25

申请人： Basil Munir Abifaker

发明人： Basil Munir Abifaker

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q30/02 ,  G06Q30/0214 ,  G06Q30/0226 ,  G06Q40/00 ,  G06Q50/01

摘要： Methods and apparatus, including computer program products, for social networking services integrated with gift card services. In general, a profile of a member of a social networking service may be presented with one or more merchant credit services for prepaid merchant account credit, data characterizing a request to provide a credit service from the merchant credit services and a mobile phone number associated with an intended recipient of the first credit service may be received, and a message may be caused to be sent to the mobile phone number, where the message characterizes provision of the first credit service to the intended recipient. Interest in the credit service may be tracked and associated with a loyalty indicator associated with the member.

摘要翻译： 方法和设备，包括计算机程序产品，用于与礼品卡服务集成的社交网络服务。 通常，可以向社交网络服务的成员的简档呈现一个或多个用于预付费商户信用的商家信用服务，表征从商家信用服务提供信用服务的请求的数据和与商户信用服务相关联的移动电话号码 可以接收第一信用服务的预期接收者，并且可以使消息被发送到移动电话号码，其中消息表征了向预期接收者提供第一信用服务。 对信用服务的兴趣可能被跟踪并与与会员相关联的忠诚度指标相关联。