公开(公告)号：US08070056B2

公开(公告)日：2011-12-06

申请号：US12398394

申请日：2009-03-05

申请人： Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

发明人： Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

IPC分类号： G06K5/00

CPC分类号： G06Q40/02 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q30/02 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/025 ,  G07F7/1008

摘要： The present disclosure generally relates to a handheld point of sale system for distributing a transaction instrument. Such system may include a browser-based tool configured to facilitate distributing an open transaction instrument at the point of sale in association with purchase of the open transaction instrument by a consumer at the handheld point of sale system. The browser-based tool may also be configured to receive transaction information and to facilitate the distribution of the open transaction instrument by sending the transaction information from the browser-based tool to a host system, wherein the host system authorizes distribution of the open transaction instrument, funds and activates a transaction account associated with the open transaction instrument, and sends an authorization message to the browser-based tool. The browser-based tool may be further configured to receive the authorization and provide an indication of the authorization for the open transaction instrument to be vended to a consumer, wherein an account code is associated with the open transaction instrument and the transaction account.

摘要翻译： 本公开通常涉及用于分发交易工具的手持式销售点系统。 这样的系统可以包括基于浏览器的工具，其被配置为便于在销售点系统处与消费者购买开放交易工具相关联地在销售点分发开放交易工具。 基于浏览器的工具还可以被配置为接收交易信息并且通过将交易信息从基于浏览器的工具发送到主机系统来促进开放交易工具的分配，其中主机系统授权分配开放交易工具 ，资金并激活与开放交易工具相关联的交易账户，并向基于浏览器的工具发送授权消息。 基于浏览器的工具可以进一步被配置为接收授权并提供要向消费者转售的开放交易工具的授权的指示，其中帐户代码与开放交易工具和交易账户相关联。

公开(公告)号：US20090327087A1

公开(公告)日：2009-12-31

申请号：US12118573

申请日：2008-05-09

申请人： Randy Beck ,  Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Sven Miller ,  Clyde Page ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

发明人： Randy Beck ,  Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Sven Miller ,  Clyde Page ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

IPC分类号： G06Q40/00 ,  G06K5/00

CPC分类号： G06Q40/02 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q30/02 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/025 ,  G07F7/1008

摘要： The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

摘要翻译： 本发明一般涉及用于分发交易工具的系统和方法。 该系统包括以下步骤：在零售环境中出售交易工具; 出售选定的交易工具; 通过互联网访问网站与交易工具的发行人进行交流，并使交易工具能够使用。 交易工具可以是例如开放的预付卡。 交易工具的分发还可以包括基本上实时地通过网站发送消息的步骤，导致预先付费的交易工具被资助但不被激活，直到稍后通过交互式语音应答系统，例如 。 在另一示例中，相关联的交易账户可以在分发时被资助并被激活。 此外，发行者系统可以被适当地配置为利用现有的旅行者检查基础设施来进行库存和相关过程。

公开(公告)号：US07191939B2

公开(公告)日：2007-03-20

申请号：US10905888

申请日：2005-01-25

申请人： Randy Beck ,  Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Sven Miller ,  Clyde Page ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

发明人： Randy Beck ,  Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Sven Miller ,  Clyde Page ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

IPC分类号： G06K5/00

CPC分类号： G06Q40/02 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q30/02 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/025 ,  G07F7/1008

摘要： The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

摘要翻译： 本发明一般涉及用于分发交易工具的系统和方法。 该系统包括以下步骤：在零售环境中出售交易工具; 出售选定的交易工具; 通过互联网访问网站与交易工具的发行人进行交流，并使交易工具能够使用。 交易工具可以是例如开放的预付卡。 交易工具的分发还可以包括基本上实时地通过网站发送消息的步骤，导致预先付费的交易工具被资助但不被激活，直到稍后通过交互式语音应答系统，例如 。 在另一示例中，相关联的交易账户可以在分发时被资助并被激活。 此外，发行者系统可以被适当地配置为利用现有的旅行者检查基础设施来进行库存和相关过程。

公开(公告)号：US07900826B2

公开(公告)日：2011-03-08

申请号：US12118573

申请日：2008-05-09

申请人： Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

发明人： Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

IPC分类号： G06K5/00

CPC分类号： G06Q40/02 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q30/02 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/025 ,  G07F7/1008

摘要： The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

摘要翻译： 本发明一般涉及用于分发交易工具的系统和方法。 该系统包括以下步骤：在零售环境中出售交易工具; 出售选定的交易工具; 通过互联网访问网站与交易工具的发行人进行交流，并使交易工具能够使用。 交易工具可以是例如开放的预付卡。 交易工具的分发还可以包括基本上实时地通过网站发送消息的步骤，导致预先付费的交易工具被资助但不被激活，直到稍后通过交互式语音应答系统，例如 。 在另一示例中，相关联的交易账户可以在分发时被资助并被激活。 此外，发行者系统可以被适当地配置为利用现有的旅行者检查基础设施来进行库存和相关过程。

公开(公告)号：US07783517B2

公开(公告)日：2010-08-24

申请号：US12118581

申请日：2008-05-09

申请人： Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

发明人： Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

IPC分类号： G06Q20/00

CPC分类号： G06Q40/02 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q30/02 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/025 ,  G07F7/1008

摘要： The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

摘要翻译： 本发明一般涉及用于分发交易工具的系统和方法。 该系统包括以下步骤：在零售环境中出售交易工具; 出售选定的交易工具; 通过互联网访问网站与交易工具的发行人进行交流，并使交易工具能够使用。 交易工具可以是例如开放的预付卡。 交易工具的分发还可以包括基本上实时地通过网站发送消息的步骤，导致预先付费的交易工具被资助但不被激活，直到稍后通过交互式语音应答系统，例如 。 在另一示例中，相关联的交易账户可以在分发时被资助并被激活。 此外，发行者系统可以被适当地配置为利用现有的旅行者检查基础设施来进行库存和相关过程。

公开(公告)号：US07431208B2

公开(公告)日：2008-10-07

申请号：US11671287

申请日：2007-02-05

申请人： Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

发明人： Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

IPC分类号： G06K5/00

CPC分类号： G06Q40/02 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q30/02 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/025 ,  G07F7/1008

摘要： The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

摘要翻译： 本发明一般涉及用于分发交易工具的系统和方法。 该系统包括以下步骤：在零售环境中出售交易工具; 出售选定的交易工具; 通过互联网访问网站与交易工具的发行人进行交流，并使交易工具能够使用。 交易工具可以是例如开放的预付卡。 交易工具的分发还可以包括基本上实时地通过网站发送消息的步骤，导致预先付费的交易工具被资助但不被激活，直到稍后通过交互式语音应答系统，例如 。 在另一示例中，相关联的交易账户可以在分发时被资助并被激活。 此外，发行者系统可以被适当地配置为利用现有的旅行者检查基础设施来进行库存和相关过程。

公开(公告)号：US20080215449A1

公开(公告)日：2008-09-04

申请号：US12118590

申请日：2008-05-09

申请人： Randy Beck ,  Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Sven Miller ,  Clyde Page ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

发明人： Randy Beck ,  Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Sven Miller ,  Clyde Page ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

IPC分类号： G06Q20/00 ,  G06Q30/00

CPC分类号： G06Q40/02 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q30/02 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/025 ,  G07F7/1008

摘要： The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

公开(公告)号：US20080215448A1

公开(公告)日：2008-09-04

申请号：US12118581

申请日：2008-05-09

申请人： Randy Beck ,  Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Sven Miller ,  Clyde Page ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

发明人： Randy Beck ,  Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Sven Miller ,  Clyde Page ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

IPC分类号： G06Q30/00 ,  G06Q20/00

CPC分类号： G06Q40/02 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q30/02 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/025 ,  G07F7/1008

摘要： The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

摘要翻译： 本发明一般涉及用于分发交易工具的系统和方法。 该系统包括以下步骤：在零售环境中出售交易工具; 出售选定的交易工具; 通过互联网访问网站与交易工具的发行人进行交流，并使交易工具能够使用。 交易工具可以是例如开放的预付卡。 交易工具的分发还可以包括基本上实时地通过网站发送消息的步骤，导致预先付费的交易工具被资助但不被激活，直到稍后通过交互式语音应答系统，例如 。 在另一示例中，相关联的交易账户可以在分发时被资助并被激活。 此外，发行者系统可以被适当地配置为利用现有的旅行者检查基础设施来进行库存和相关过程。

公开(公告)号：US08712852B2

公开(公告)日：2014-04-29

申请号：US12118590

申请日：2008-05-09

申请人： Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

发明人： Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

IPC分类号： G06Q20/00 ,  G06Q30/00 ,  G06K5/00

CPC分类号： G06Q40/02 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q30/02 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/025 ,  G07F7/1008

摘要： The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

摘要翻译： 本发明一般涉及用于分发交易工具的系统和方法。 该系统包括以下步骤：在零售环境中出售交易工具; 出售选定的交易工具; 通过互联网访问网站与交易工具的发行人进行交流，并使交易工具能够使用。 交易工具可以是例如开放的预付卡。 交易工具的分发还可以包括基本上实时地通过网站发送消息的步骤，导致预先付费的交易工具被资助但不被激活，直到稍后通过交互式语音应答系统，例如 。 在另一示例中，相关联的交易账户可以在分发时被资助并被激活。 此外，发行者系统可以被适当地配置为利用现有的旅行者检查基础设施来进行库存和相关过程。

公开(公告)号：US20090184162A1

公开(公告)日：2009-07-23

申请号：US12398394

申请日：2009-03-05

申请人： Randy Beck ,  Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Sven Miller ,  Clyde Page ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

发明人： Randy Beck ,  Gennye Hannover Feldman ,  Elizabeth Anne Holt ,  Sven Miller ,  Clyde Page ,  Marc Rubner ,  John R. Rose ,  Nicole Milne Vollmer

IPC分类号： G06K5/00 ,  G06K7/00

CPC分类号： G06Q40/02 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q30/02 ,  G06Q30/0603 ,  G06Q40/00 ,  G06Q40/025 ,  G07F7/1008

摘要： The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

摘要翻译： 本发明一般涉及用于分发交易工具的系统和方法。 该系统包括以下步骤：在零售环境中出售交易工具; 出售选定的交易工具; 通过互联网访问网站与交易工具的发行人进行交流，并使交易工具能够使用。 交易工具可以是例如开放的预付卡。 交易工具的分发还可以包括基本上实时地通过网站发送消息的步骤，导致预先付费的交易工具被资助但不被激活，直到稍后通过交互式语音应答系统，例如 。 在另一示例中，相关联的交易账户可以在分发时被资助并被激活。 此外，发行者系统可以被适当地配置为利用现有的旅行者检查基础设施来进行库存和相关过程。