公开(公告)号：US07899742B2

公开(公告)日：2011-03-01

申请号：US10600483

申请日：2003-06-19

申请人： Marc Benkert ,  Chris Hobbs ,  Kazuhiko Okamoto ,  Grace Park ,  Tomer Rubinshtein

发明人： Marc Benkert ,  Chris Hobbs ,  Kazuhiko Okamoto ,  Grace Park ,  Tomer Rubinshtein

IPC分类号： G06Q40/00

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/00

摘要： The present invention provides a system and method for providing a flexible limit subsidiary account that may be issued by a Foreign Financial Institution. In particular, the present provides a system and method for allowing a parent to provide funds to a subsidiary and to control the spending of subsidiary or spending capacity. The card account may be issued at the request of the parent who may retain the ability to define, modify, and/or terminate the spending and/or debt accumulation limits for the subsidiary card account as well as other features as described in the attached disclosure. The system may be configured to provide the ability for parent to eliminate risks associated with fluctuations in currency exchange rates by committing to fixed automatic long-term charges at a fixed foreign exchange rate for a fixed term.

摘要翻译： 本发明提供了一种用于提供可由外国金融机构发行的灵活限额附属账户的系统和方法。 特别是，现在提供了一种允许父母向子公司提供资金并控制子公司或支出能力支出的制度和方法。 该卡账户可以应父母的要求发行，母公司可能会保留定义，修改和/或终止辅助卡账户的支出和/或债务累积限额以及所附披露中描述的其他功能的能力 。 该系统可以配置为提供父母通过以固定外汇固定期限固定的自动长期收费来消除与货币汇率波动有关的风险的能力。

公开(公告)号：US20110125645A1

公开(公告)日：2011-05-26

申请号：US13012499

申请日：2011-01-24

申请人： Marc Benkert ,  Chris Hobbs ,  Kazuhiko Okamoto ,  Grace Park ,  Tomer Rubinshtein

发明人： Marc Benkert ,  Chris Hobbs ,  Kazuhiko Okamoto ,  Grace Park ,  Tomer Rubinshtein

IPC分类号： G06Q40/00

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/00

摘要： The present invention provides a system and method for providing a flexible limit subsidiary account that may be issued by a Foreign Financial Institution. In particular, the present provides a system and method for allowing a parent to provide funds to a subsidiary and to control the spending of subsidiary or spending capacity. The card account may be issued at the request of the parent who may retain the ability to define, modify, and/or terminate the spending and/or debt accumulation limits for the subsidiary card account as well as other features as described in the attached disclosure. The system may be configured to provide the ability for parent to eliminate risks associated with fluctuations in currency exchange rates by committing to fixed automatic long-term charges at a fixed foreign exchange rate for a fixed term.

摘要翻译： 本发明提供了一种用于提供可由外国金融机构发行的灵活限额附属账户的系统和方法。 特别是，现在提供了一种允许父母向子公司提供资金并控制子公司或支出能力支出的制度和方法。 该卡账户可以应父母的要求发行，母公司可能会保留定义，修改和/或终止辅助卡账户的支出和/或债务累积限额以及所附披露中描述的其他功能的能力 。 该系统可以配置为提供父母通过以固定外汇固定期限固定的自动长期收费来消除与货币汇率波动有关的风险的能力。

公开(公告)号：US07401049B2

公开(公告)日：2008-07-15

申请号：US10155332

申请日：2002-05-23

申请人： Chris Hobbs ,  Grace Park ,  Tomer Rubinshtein

发明人： Chris Hobbs ,  Grace Park ,  Tomer Rubinshtein

IPC分类号： G06Q40/00

CPC分类号： G06Q20/381 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q40/00

摘要： A system and method for providing a reloadable prepaid card account maintained by a foreign financial institution is provided. The foreign financial institution is provided with a domestic payment network authorization code, such as the bank identification number approved by the American Banking Association. The BIN along with a prepaid account number is loaded onto a prepaid card corresponding to the prepaid account. A prepaid cardholder may present the prepaid card to a merchant system for completion of a transaction request. The merchant system may be accessed domestically and may recognize the BIN as belonging to the foreign financial institution authorized to transact business on the merchant's domestic payment network. The merchant may seek satisfaction of the transaction request by submitting the transaction request to an acquirer which may forward the transaction request to the foreign financial institution for processing. The foreign financial institution may provide funds to the merchant system to satisfy the transaction request, and the provided funds may be converted to the currency of the country in which the merchant system is accessed by the prepaid cardholder.

摘要翻译： 提供了一种用于提供由外国金融机构维护的可重新加载的预付卡账户的系统和方法。 向外国金融机构提供国内支付网络授权码，如美国银行业协会批准的银行身份证号码。 BIN以及预付帐号加载到与预付帐户对应的预付​​卡上。 预付卡持卡人可以向商家系统呈现预付卡以完成交易请求。 商家系统可以在国内进行访问，并且可以将BIN识别为属于在商户国内支付网络上授权交易业务的外国金融机构。 商户可以通过将交易请求提交给可以将交易请求转交给外国金融机构进行处理的交易请求来满足交易请求。 外国金融机构可以向商家系统提供资金以满足交易请求，所提供的资金可以转换为预付持卡人访问商家系统的国家/地区的货币。

公开(公告)号：US06796497B2

公开(公告)日：2004-09-28

申请号：US10128949

申请日：2002-04-23

申请人： Marc Benkert ,  Grace Park ,  Tomer Rubinshtein

发明人： Marc Benkert ,  Grace Park ,  Tomer Rubinshtein

IPC分类号： G06K500

CPC分类号： G06Q20/40 ,  G06Q20/227 ,  G06Q20/385

摘要： The present invention provides a system and method for providing a flexible limit subsidiary card account. In particular, the present provides a system and method for allowing a parent to provide funds to a subsidiary and to control the spending of subsidiary or spending capacity. The card account may be issued at the request of the parent who may retain the ability to define, modify, and/or terminate the spending and/or debt accumulation limits for the subsidiary card account as well as other features as described in the attached disclosure.

摘要翻译： 本发明提供一种用于提供灵活限制的附属卡帐户的系统和方法。 特别是，现在提供了一种允许父母向子公司提供资金并控制子公司或支出能力支出的制度和方法。 该卡账户可以应父母的要求发行，母公司可能会保留定义，修改和/或终止辅助卡账户的支出和/或债务累积限额以及所附披露中描述的其他功能的能力 。