公开(公告)号：US08781962B2

公开(公告)日：2014-07-15

申请号：US12717792

申请日：2010-03-04

申请人： Brett Vasten

发明人： Brett Vasten

IPC分类号： G06Q40/00

CPC分类号： G06Q20/28 ,  G06Q20/105 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/02

摘要： A system, apparatus, and method for providing a mechanism for loading a prepaid card, such as a payroll card, with funds from a source other than the employer of the cardholder. The invention permits a cardholder to request that their employer provided payroll card (or other form of prepaid card) be charged or loaded with funds from an alternate source of funding. In response to the request, one or more background, credit, or other forms of security checks or investigations may be performed to ensure that accurate data regarding the cardholder is available and that there are no indications that the request might be an attempt to commit a fraudulent act.

摘要翻译： 一种系统，装置和方法，用于提供用于从除持卡人的雇主以外的来源提供资金来装载诸如工资卡的预付卡的机构。 本发明允许持卡人要求雇主提供工资卡（或其他形式的预付卡）从备用资金来源收取或加载资金。 响应于该请求，可以执行一个或多个背景，信用或其他形式的安全检查或调查，以确保有关持卡人的准确数据可用，并且没有迹象表明请求可能是尝试提交 欺诈行为。

公开(公告)号：US09355390B2

公开(公告)日：2016-05-31

申请号：US13028175

申请日：2011-02-15

申请人： Brett Vasten ,  Virgil Mathias

发明人： Brett Vasten ,  Virgil Mathias

IPC分类号： G06Q20/00 ,  G06Q20/10 ,  G06Q20/28

CPC分类号： G06Q20/10 ,  G06Q20/28

摘要： The PREPAID ACCOUNT FUNDS TRANSFER APPARATUSES, METHODS AND SYSTEMS (“PAFT”) transform prepaid account invitation requests via PAFT components into scheduled prepaid account transactions. In one embodiment, the PAFT obtains, from a transferor user holding a transferor prepaid account, a prepaid account invitation request specifying a transferee user and a prepaid funds transfer amount. The PAFT generates a customized prepaid account invitation for the transferee user based on the prepaid account invitation request, and provides the customized prepaid account invitation for the transferee user. Upon obtaining an invitation acceptance from the transferee user in response to the provided customized prepaid account invitation, the PAFT creates a transferee prepaid account for the transferee user, and transfers, upon creating the transferee prepaid account, the prepaid funds transfer amount of funds specified in the prepaid account invitation request from the transferor prepaid account to the created transferee prepaid account.

摘要翻译： PREPAID帐户资金转帐设备，方法和系统（“PAFT”）通过PAFT组件将预付帐户邀请请求转换为预定的预付账户交易。 在一个实施例中，PAFT从持有转让方预付账户的转账用户获得指定受让方用户的预付账户邀请请求和预付资金转账金额。 PAFT根据预付帐户邀请请求为受让人用户生成定制的预付帐户邀请，并为受让人用户提供定制的预付帐户邀请。 根据提供的定制预付账户邀请，受理人用户收到邀请后，PAFT为受让人用户创建受让人预付账户，并在创建受让人预付帐户后转入预付资金转账金额 转帐人预付账户的预付账户邀请请求到创建的受让人预付账户。

公开(公告)号：US20110055081A1

公开(公告)日：2011-03-03

申请号：US12717792

申请日：2010-03-04

申请人： Brett Vasten

发明人： Brett Vasten

IPC分类号： G06Q40/00 ,  G06Q10/00

CPC分类号： G06Q20/28 ,  G06Q20/105 ,  G06Q20/4016 ,  G06Q30/0185 ,  G06Q40/02

摘要： A system, apparatus, and method for providing a mechanism for loading a prepaid card, such as a payroll card, with funds from a source other than the employer of the cardholder. The invention permits a cardholder to request that their employer provided payroll card (or other form of prepaid card) be charged or loaded with funds from an alternate source of funding. In response to the request, one or more background, credit, or other forms of security checks or investigations may be performed to ensure that accurate data regarding the cardholder is available and that there are no indications that the request might be an attempt to commit a fraudulent act.

摘要翻译： 一种系统，装置和方法，用于提供用于从除持卡人的雇主以外的来源提供资金来装载诸如工资卡的预付卡的机构。 本发明允许持卡人要求雇主提供工资卡（或其他形式的预付卡）从备用资金来源收取或加载资金。 响应于该请求，可以执行一个或多个背景，信用或其他形式的安全检查或调查，以确保有关持卡人的准确数据可用，并且没有迹象表明请求可能是尝试提交 欺诈行为。

公开(公告)号：US08688548B2

公开(公告)日：2014-04-01

申请号：US13211030

申请日：2011-08-16

申请人： Brett Vasten

发明人： Brett Vasten

IPC分类号： G07B17/00 ,  G07F19/00 ,  H04M15/00

CPC分类号： G06Q20/22 ,  G06Q40/12

摘要： A system, apparatus, and method for managing account data for accounts having a negative balance. The invention embodiment includes a method, process or workflow for processing data for accounts associated with a debit, credit, pre-paid card or other form of financial instrument that have a negative balance. The data processing includes application of issuer criteria or filters to determine if certain of the accounts having a negative balance are not suitable for chargeback processing and instead may be processed in bulk, thereby reducing administrative and data processing overhead. For each account that is potentially eligible for chargeback processing, the invention embodiment accesses the account data and determines if the data supports initiation of a chargeback procedure for one or more transactions described by the account data. If the account contains one or more transactions that are eligible for chargeback processing, then a provisional credit in the amount of the one or more transactions may be applied to the account.

摘要翻译： 一种用于管理具有负余额的帐户的帐户数据的系统，装置和方法。 本发明实施例包括用于处理与具有负余额的借方，信用卡，预付卡或其他形式的金融工具相关联的帐户的数据的方法，过程或工作流程。 数据处理包括发布者标准或过滤器的应用，以确定具有负余额的某些帐户是否不适合退款处理，并且可以批量处理，从而减少管理和数据处理开销。 对于潜在有资格进行退款处理的每个帐户，本发明实施例访问帐户数据并确定数据是否支持对帐户数据描述的一个或多个交易的退款过程的启动。 如果该帐户包含一个或多个有资格进行退款处理的交易，则可以将一笔或多笔交易金额的临时抵免额应用于该账户。

公开(公告)号：US20110040682A1

公开(公告)日：2011-02-17

申请号：US12708668

申请日：2010-02-19

申请人： Brett Vasten

发明人： Brett Vasten

IPC分类号： G06Q20/00 ,  G06Q40/00 ,  G06Q10/00

CPC分类号： G06Q20/28 ,  G06Q20/105 ,  G06Q20/40

摘要： Systems and methods for funding prepaid cards or prepaid accounts in a prepaid account payroll program are presented. In one embodiment, a payroll program having employers who pay into employees' prepaid card accounts is presented. An additional prepaid account is provided for the employer, and the employer transfers funds into the additional prepaid account before the funds are disbursed from the additional prepaid account into the employees' prepaid card accounts. This transfer can be accomplished entirely within a network of a payment processing company so as to avoid interchange and merchant fees charged by banks.

摘要翻译： 介绍了在预付账户工资计划中为预付卡或预付账户提供资金的系统和方法。 在一个实施例中，呈现了雇主支付给雇员的预付卡账户的工资单。 为雇主提供额外的预付帐户，雇主在将资金从附加预付账户中支付到雇员的预付卡账户之前，将资金转入额外的预付账户。 这种转移可以完全在支付处理公司的网络内完成，以避免银行收取的互换和商业费用。

公开(公告)号：US20090318112A1

公开(公告)日：2009-12-24

申请号：US12142548

申请日：2008-06-19

申请人： Brett Vasten

发明人： Brett Vasten

IPC分类号： H04M11/00

CPC分类号： H04W4/24 ,  H04M15/00 ,  H04M15/68 ,  H04M15/83 ,  H04M15/844 ,  H04M17/00 ,  H04M2215/0196 ,  H04M2215/81 ,  H04M2215/8137

摘要： A method, system, and computer readable medium for sending notification messages to a notification device and associating a fee for sending the notification message. The notification message is associated with a portable consumer device issued by an issuer and associated with an account of a consumer operated by the issuer. The fee is obtained by the issuer or a payment brand organization associated with the portable consumer device.

摘要翻译： 一种用于向通知装置发送通知消息并将用于发送通知消息的费用相关联的方法，系统和计算机可读介质。 通知消息与由发行者发行并与由发行者操作的消费者的账户相关联的便携式消费者设备相关联。 费用由发行人或与便携式消费者设备相关联的支付品牌组织获得。

公开(公告)号：US08521623B2

公开(公告)日：2013-08-27

申请号：US12690254

申请日：2010-01-20

申请人： Brett Vasten

发明人： Brett Vasten

IPC分类号： G06Q10/00

CPC分类号： G06Q40/02 ,  G06Q10/0837 ,  G06Q10/10 ,  G06Q40/12

摘要： A payment card returned as undeliverable is processed with a card administration system that responds to the return of the payment card by setting a “returned” indicator in a data record of a cardholder to whom the payment card was intended for delivery, and otherwise maintains the cardholder's account without change. A card handling system initiates destruction of the returned payment card and provides a replacement payment card to the cardholder if updated profile information of the cardholder is received within a predetermined time period, and closes the cardholder account and returns any funds in the cardholder account if no updated profile information of the cardholder is received within the predetermined time period.

摘要翻译： 作为不可投递的支付卡被处理，卡管理系统通过在支付卡想要发送的持卡人的数据记录中设置“返回”指示符来响应支付卡的返回，并且否则维护 持卡人的帐户没有变化。 如果在预定时间内收到持卡人的更新资料信息，卡片处理系统会启动销毁退回的支付卡，并向持卡人提供替换支付卡，并关闭持卡人帐户，并在持卡人帐户中返回任何资金，如果没有 在预定时间段内接收持卡人的更新简档信息。

公开(公告)号：US08478232B2

公开(公告)日：2013-07-02

申请号：US12142548

申请日：2008-06-19

申请人： Brett Vasten

发明人： Brett Vasten

IPC分类号： H04W4/24

CPC分类号： H04W4/24 ,  H04M15/00 ,  H04M15/68 ,  H04M15/83 ,  H04M15/844 ,  H04M17/00 ,  H04M2215/0196 ,  H04M2215/81 ,  H04M2215/8137

摘要： A method, system, and computer readable medium for sending notification messages to a notification device and associating a fee for sending the notification message. The notification message is associated with a portable consumer device issued by an issuer and associated with an account of a consumer operated by the issuer. The fee is obtained by the issuer or a payment brand organization associated with the portable consumer device.

摘要翻译： 一种用于向通知装置发送通知消息并将用于发送通知消息的费用相关联的方法，系统和计算机可读介质。 通知消息与由发行者发行并与由发行者操作的消费者的账户相关联的便携式消费者设备相关联。 费用由发行人或与便携式消费者设备相关联的支付品牌组织获得。

公开(公告)号：US20110055057A1

公开(公告)日：2011-03-03

申请号：US12690254

申请日：2010-01-20

申请人： Brett Vasten

发明人： Brett Vasten

IPC分类号： G06Q10/00 ,  G06Q50/00 ,  G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q10/0837 ,  G06Q10/10 ,  G06Q40/12

摘要： A payment card returned as undeliverable is processed with a card administration system that responds to the return of the payment card by setting a “returned” indicator in a data record of a cardholder to whom the payment card was intended for delivery, and otherwise maintains the cardholder's account without change. A card handling system initiates destruction of the returned payment card and provides a replacement payment card to the cardholder if updated profile information of the cardholder is received within a predetermined time period, and closes the cardholder account and returns any funds in the cardholder account if no updated profile information of the cardholder is received within the predetermined time period.

摘要翻译： 作为不可投递的支付卡被处理，卡管理系统通过在支付卡想要发送的持卡人的数据记录中设置“返回”指示符来响应支付卡的返回，并且否则维护 持卡人的帐户没有变化。 如果在预定时间内收到持卡人的更新资料信息，卡片处理系统会启动销毁退回的支付卡，并向持卡人提供替换支付卡，并关闭持卡人帐户，并在持卡人帐户中返回任何资金，如果没有 在预定时间段内接收持卡人的更新简档信息。

公开(公告)号：US20120016783A1

公开(公告)日：2012-01-19

申请号：US13211030

申请日：2011-08-16

申请人： Brett Vasten

发明人： Brett Vasten

IPC分类号： G06Q40/00

CPC分类号： G06Q20/22 ,  G06Q40/12

摘要： A system, apparatus, and method for managing account data for accounts having a negative balance. The invention embodiment includes a method, process or workflow for processing data for accounts associated with a debit, credit, pre-paid card or other form of financial instrument that have a negative balance. The data processing includes application of issuer criteria or filters to determine if certain of the accounts having a negative balance are not suitable for chargeback processing and instead may be processed in bulk, thereby reducing administrative and data processing overhead. For each account that is potentially eligible for chargeback processing, the invention embodiment accesses the account data and determines if the data supports initiation of a chargeback procedure for one or more transactions described by the account data. If the account contains one or more transactions that are eligible for chargeback processing, then a provisional credit in the amount of the one or more transactions may be applied to the account.

摘要翻译： 一种用于管理具有负余额的帐户的帐户数据的系统，装置和方法。 本发明实施例包括用于处理与具有负余额的借方，信用卡，预付卡或其他形式的金融工具相关联的帐户的数据的方法，过程或工作流程。 数据处理包括发布者标准或过滤器的应用，以确定具有负余额的某些帐户是否不适合退款处理，并且可以批量处理，从而减少管理和数据处理开销。 对于潜在有资格进行退款处理的每个帐户，本发明实施例访问帐户数据并确定数据是否支持对帐户数据描述的一个或多个交易的退款过程的启动。 如果该帐户包含一个或多个有资格进行退款处理的交易，则可以将一笔或多笔交易金额的临时抵免额应用于该账户。