公开(公告)号：US20110131103A1

公开(公告)日：2011-06-02

申请号：US12984201

申请日：2011-01-04

申请人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

发明人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

IPC分类号： G06Q20/00

CPC分类号： G06Q20/40 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/207 ,  G06Q20/403 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02 ,  G07G1/12

摘要： A linked account instrument is used to access funds in an existing demand deposit account held at a financial institution. Merchant or other transactions are first processed against a demand deposit account via an electronic authorization network. If the demand deposit account does not have sufficient funds, the transactions may be processed as a credit charge against an designated credit account. The demand deposit account may subsequently be swept at predetermined times in search of funds to defray the overdraft. If adequate funds are present, they will be withdrawn from the demand deposit account, and the credit account will be cleared. Otherwise, the instrument holder's daily purchasing abilities may be temporarily suspended until the credit account is settled. The processing of overdraft amounts may be on a FIFO, smallest-first or other basis.

摘要翻译： 联系账户工具用于存入在金融机构持有的现有存款账户中的资金。 商家或其他交易首先通过电子授权网络针对定期存款账户进行处理。 如果定期存款账户没有足够的资金，交易可能会被视为指定的信用账户的信用费。 定期存款账户随后可以按预定时间扫描，以寻找资金来支付透支。 如果存在足够的资金，他们将从定期存款账户中退出，信用账户将被清算。 否则，仪器持有人的日常购买能力可能暂时中止，直到信用账户结算为止。 透支金额的处理可以是FIFO，最小或最初的。

公开(公告)号：US20110131133A1

公开(公告)日：2011-06-02

申请号：US12982396

申请日：2010-12-30

申请人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

发明人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

IPC分类号： G06Q40/00

CPC分类号： G06Q20/34 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/227 ,  G06Q20/28 ,  G06Q20/341 ,  G06Q20/342 ,  G06Q20/3572 ,  G06Q20/3576 ,  G06Q20/4037 ,  G07F7/025 ,  G07F7/08 ,  G07F7/1008

摘要： A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.

摘要翻译： 通过财务处理网络访问与单个金融卡相关联的多个账户的系统。 除了从卡中读取的交易数据和帐户识别数据之外，还将数据输入到金融网络。 该附加数据允许访问适当的帐户。 可以在销售点输入数据作为账户选择。 在这种情况下，选择可以用于通过财务处理网络路由交易数据，或者可以用于读取关于在卡上编码的多个帐户中的一个账户的数据。 数据还可以作为条件路由规则存储在金融处理网络中的转移点处。 在这种情况下，根据存储的规则将事务路由到适当的帐户。

公开(公告)号：US20110127324A1

公开(公告)日：2011-06-02

申请号：US12982467

申请日：2010-12-30

申请人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

发明人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

IPC分类号： G07F19/00 ,  G06Q40/00 ,  G06Q20/00

CPC分类号： G06Q20/34 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/227 ,  G06Q20/28 ,  G06Q20/341 ,  G06Q20/342 ,  G06Q20/3572 ,  G06Q20/3576 ,  G06Q20/4037 ,  G07F7/025 ,  G07F7/08 ,  G07F7/1008

摘要： A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.

公开(公告)号：US07860789B2

公开(公告)日：2010-12-28

申请号：US10201589

申请日：2002-07-24

申请人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

发明人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

IPC分类号： G06Q40/00

CPC分类号： G06Q20/34 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/227 ,  G06Q20/28 ,  G06Q20/341 ,  G06Q20/342 ,  G06Q20/3572 ,  G06Q20/3576 ,  G06Q20/4037 ,  G07F7/025 ,  G07F7/08 ,  G07F7/1008

摘要： A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that is read from the card. This additional data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.

摘要翻译： 通过财务处理网络访问与单个金融卡相关联的多个账户的系统。 除了从卡读取的交易数据和帐户识别数据之外，还将数据输入到金融网络。 此附加数据允许访问正确的帐户。 可以在销售点输入数据作为账户选择。 在这种情况下，选择可以用于通过财务处理网络路由交易数据，或者可以用于读取关于在卡上编码的多个帐户中的一个账户的数据。 数据还可以作为条件路由规则存储在金融处理网络中的转移点处。 在这种情况下，根据存储的规则将事务路由到适当的帐户。

公开(公告)号：US08515868B2

公开(公告)日：2013-08-20

申请号：US13275927

申请日：2011-10-18

申请人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

发明人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

IPC分类号： G06Q40/00

CPC分类号： G06Q20/34 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/227 ,  G06Q20/28 ,  G06Q20/341 ,  G06Q20/342 ,  G06Q20/3572 ,  G06Q20/3576 ,  G06Q20/4037 ,  G07F7/025 ,  G07F7/08 ,  G07F7/1008

摘要： A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that is read from the card. This additional data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.

摘要翻译： 通过财务处理网络访问与单个金融卡相关联的多个账户的系统。 除了从卡读取的交易数据和帐户识别数据之外，还将数据输入到金融网络。 此附加数据允许访问正确的帐户。 可以在销售点输入数据作为账户选择。 在这种情况下，选择可以用于通过财务处理网络路由交易数据，或者可以用于读取关于在卡上编码的多个帐户中的一个账户的数据。 数据还可以作为条件路由规则存储在金融处理网络中的转移点处。 在这种情况下，根据存储的规则将事务路由到适当的帐户。

公开(公告)号：US07890422B1

公开(公告)日：2011-02-15

申请号：US12169898

申请日：2008-07-09

申请人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

发明人： Jeffrey L. Hirka ,  Debra C. Fellner ,  Steven Fox ,  Lee Knackstedt

IPC分类号： G06Q40/00

CPC分类号： G06Q20/34 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/20 ,  G06Q20/227 ,  G06Q20/28 ,  G06Q20/341 ,  G06Q20/342 ,  G06Q20/3572 ,  G06Q20/3576 ,  G06Q20/4037 ,  G07F7/025 ,  G07F7/08 ,  G07F7/1008

摘要： A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to transaction data and account identification data that is read from the card. This additional data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.

摘要翻译： 通过财务处理网络访问与单个金融卡相关联的多个账户的系统。 除了从卡读取的交易数据和账户识别数据之外，还将数据输入到金融网络。 此附加数据允许访问正确的帐户。 可以在销售点输入数据作为账户选择。 在这种情况下，选择可以用于通过财务处理网络路由交易数据，或者可以用于读取关于在卡上编码的多个帐户中的一个账户的数据。 数据还可以作为条件路由规则存储在金融处理网络中的转移点处。 在这种情况下，根据存储的规则将事务路由到适当的帐户。

公开(公告)号：US07103576B2

公开(公告)日：2006-09-05

申请号：US09956997

申请日：2001-09-21

申请人： William Frederick Mann, III ,  Jeffrey L. Hirka

发明人： William Frederick Mann, III ,  Jeffrey L. Hirka

IPC分类号： G06F17/60 ,  H04K1/00

CPC分类号： G06Q20/385 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/347 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q20/4014 ,  G06Q40/00 ,  G07F7/10 ,  G07F7/1075

摘要： The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.

公开(公告)号：US08015084B1

公开(公告)日：2011-09-06

申请号：US09655886

申请日：2000-09-06

申请人： Jeffrey L. Hirka ,  Steven J. Fox

发明人： Jeffrey L. Hirka ,  Steven J. Fox

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/207 ,  G06Q20/403 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02 ,  G07G1/12

摘要： A linked account instrument is used to access funds in an existing demand deposit account held at a financial institution. Merchant or other transactions are first processed against a demand deposit account via an electronic authorization network. If the demand deposit account does not have sufficient funds, the transactions may be processed as a credit charge against a designated credit account. The demand deposit account may subsequently be swept at predetermined times in search of funds to defray the overdraft. If adequate funds are present, they will be withdrawn from the demand deposit account, and the credit account will be cleared. Otherwise, the instrument holder's daily purchasing abilities may be temporarily suspended until the credit account is settled. The processing of overdraft amounts may be on a FIFO, smallest-first or other basis.

摘要翻译： 联系账户工具用于存入在金融机构持有的现有存款账户中的资金。 商家或其他交易首先通过电子授权网络针对定期存款账户进行处理。 如果定期存款账户没有足够的资金，交易可能会被视为针对指定的信用账户的信用额度。 定期存款账户随后可以按预定时间扫描，以寻找资金来支付透支。 如果存在足够的资金，他们将从定期存款账户中退出，信用账户将被清算。 否则，仪器持有人的日常购买能力可能暂时中止，直到信用账户结算为止。 透支金额的处理可以是FIFO，最小或最初的。

公开(公告)号：US20090192940A1

公开(公告)日：2009-07-30

申请号：US12421915

申请日：2009-04-10

申请人： William Frederick Mann, III ,  Jeffrey L. Hirka

发明人： William Frederick Mann, III ,  Jeffrey L. Hirka

IPC分类号： G06Q20/00

CPC分类号： G06Q20/385 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/347 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q20/4014 ,  G06Q40/00 ,  G07F7/10 ,  G07F7/1075

摘要： The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.

摘要翻译： 本发明的方法和系统提供了使用选择的别名和所选择的个人识别条目（PIE）的各种技术，结合使用交易卡，例如信用卡，借记卡或储值卡，例如 。 合适的号码或其他识别参数由帐户持有人选择为别名。 然后为了安全起见，帐户持有者需要选择一个PIE。 别名通过数据库与帐户持有者的信用卡号码相关联。 当帐户持有人与商家进行交易时，不需要存在物理卡。 帐户持有人只提供他的别名，然后提供PIE。 这可以在诸如商店，目录电话订单或通过互联网的任何销售点进行。 输入别名和PIE，并从信用卡公司返回授权。

公开(公告)号：US09646304B2

公开(公告)日：2017-05-09

申请号：US11487416

申请日：2006-07-17

申请人： William Frederick Mann, III ,  Jeffrey L. Hirka

发明人： William Frederick Mann, III ,  Jeffrey L. Hirka

IPC分类号： G06Q20/34 ,  G06Q20/38 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q40/00 ,  G07F7/10

CPC分类号： G06Q20/385 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/347 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q20/4014 ,  G06Q40/00 ,  G07F7/10 ,  G07F7/1075

摘要： The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.