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    Inserting value into customer account at point of sale using a customer account identifier
    2.
    发明授权
    Inserting value into customer account at point of sale using a customer account identifier 有权
    使用客户帐户标识在销售点将价值插入客户帐户

    公开(公告)号：US07630926B2

    公开(公告)日：2009-12-08

    申请号：US11290606

    申请日：2005-12-01

    申请人： Philip M. Chakiris ,  Merrill Brooks Smith ,  Phillip Craig Graves

    发明人： Philip M. Chakiris ,  Merrill Brooks Smith ,  Phillip Craig Graves

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/28 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/206 ,  G06Q40/00

    摘要： A method of adding a value to a customer account is provided. A request to add a value to a customer account of a customer is received from a point of sale terminal. Value identification data associated with the value and account identification data associated with the customer account may form part of the request. The customer account identification data may be entered at the point of sale. The request may be associated with a purchase of the value. The value may be caused to be added to the customer account. During subsequent value purchase transactions, additional value may be added to the account.

    摘要翻译： 提供了一种向客户帐户添加值的方法。 从销售点接收到向客户的客户账户添加价值的请求。 与与客户帐户相关联的价值和帐户识别数据相关联的价值识别数据可以构成请求的一部分。 客户帐户识别数据可以在销售点输入。 请求可能与购买该值相关联。 该值可能会被添加到客户帐户。 在随后的价值购买交易中，可能会向帐户添加额外的价值。

    System and Method for Securely Authorizing and Distributing Stored-Value Card Data
    6.
    发明申请
    System and Method for Securely Authorizing and Distributing Stored-Value Card Data 审中-公开
    用于安全授权和分发存储值卡数据的系统和方法

    公开(公告)号：US20110068168A1

    公开(公告)日：2011-03-24

    申请号：US12955390

    申请日：2010-11-29

    申请人： Phillip Craig Graves ,  Merrill Brooks SMITH

    发明人： Phillip Craig Graves ,  Merrill Brooks SMITH

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/28 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/3552 ,  G06Q20/3558 ,  G06Q20/3829 ,  G07F7/1008

    摘要： A computerized system and method for securely authorizing and distributing stored-value card data over a communications network is provided. The method allows for storing in the database a plurality of records comprising stored-value card data for each stored-value card as well as information identifying a plurality of trusted sources of stored-value card activation requests and/or a plurality of trusted communications networks for transmitting stored-value card activation requests. A transmitting step allows for a requesting terminal to transmit over a communications network a request to change the status of a stored-value card. The central processor then determines whether the requesting terminal and/or the communications network is a trusted source. Based on whether the requesting terminal or communications network is a trusted source or trusted communications network, the request can be processed and the card can be activated. A method for establishing a list of trusted sources and trusted communications networks is also provided.

    摘要翻译： 提供了一种用于通过通信网络安全地授权和分发储值卡数据的计算机化系统和方法。 该方法允许在数据库中存储包括用于每个存储值卡的存储值卡数据的多个记录以及识别存储值卡激活请求和/或多个可信通信网络的多个可信源的信息 用于发送储值卡激活请求。 发送步骤允许请求终端通过通信网络发送改变存储卡状态的请求。 然后，中央处理器确定请求终端和/或通信网络是否是可信源。 基于请求终端或通信网络是信任源还是信任通信网络，可以处理请求并且可以激活卡。 还提供了用于建立可信源和可信任通信网络的列表的方法。

    System and method for managing stored-value card data
    7.
    发明授权
    System and method for managing stored-value card data 有权
    管理储值卡数据的系统和方法

    公开(公告)号：US06918537B2

    公开(公告)日：2005-07-19

    申请号：US10831922

    申请日：2004-04-26

    申请人： Phillip Craig Graves ,  Merrill Brooks Smith

    发明人： Phillip Craig Graves ,  Merrill Brooks Smith

    IPC分类号： G06Q20/08 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/34 ,  G06Q20/40 ,  G07F7/12 ,  G06F17/60

    CPC分类号： G07F7/08 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/28 ,  G06Q20/341 ,  G06Q20/343 ,  G06Q20/40 ,  G07F7/122

    摘要： A computerized system and method for managing stored-value card data over a communications network between a plurality of terminals and a central processor is provided. Each of the terminals is accessible to respective users and is located in a respective location generally remote relative to the central processor. The stored-value card data is configured to securely process in real time stored-value cards transacted by respective users to enable charging prepaid stored-value services to a recipient of the transacted stored-value card. The method allows for providing a database coupled to the central processor. The method further allows for storing in the database a plurality of records comprising stored-value card data for each stored-value card. An associating step allows for associating in each stored record respective identifiers to uniquely match a respective stored-value card and a respective terminal. The associating step is enabled by assigning a “setup” card to the location and capturing the terminal information when a transaction utilizing that card is made. A transmitting step allows for transmitting a request of stored-value card activation to the central processor from a respective requesting terminal, the central processor configured to accept said activation request based on whether the associated identifiers for the stored-value card to be activated match identifiers actually transmitted by the requesting terminal for that stored-value card and terminal.

    摘要翻译： 提供了一种用于通过多个终端和中央处理器之间的通信网络管理存储值卡数据的计算机化系统和方法。 每个终端对于相应的用户是可访问的，并且位于相对于中央处理器通常相对的相应位置。 存储卡卡数据被配置为安全地处理由相应用户处理的实时存储卡，以使得可以向交易的存储卡的接收者充值预付存储值服务。 该方法允许提供耦合到中央处理器的数据库。 该方法还允许在数据库中存储包括每个存储值卡的存储值卡数据的多个记录。 关联步骤允许在每个存储的记录中关联相应的标识符以唯一地匹配相应的存储卡和相应的终端。 当使用该卡进行交易时，通过向该位置分配“设置”卡并捕获终端信息来启用关联步骤。 发送步骤允许从相应的请求终端向中央处理器发送存储值卡激活的请求，该中央处理器被配置为基于所激活的存储值卡的关联标识符是否匹配标识符来接受所述激活请求 实际上由请求终端为该存储卡和终端发送。

    Systems and Methods for Electronic Device Point-of-Sale Activation
    10.
    发明申请
    Systems and Methods for Electronic Device Point-of-Sale Activation 审中-公开

    公开(公告)号：US20190147199A1

    公开(公告)日：2019-05-16

    申请号：US16182592

    申请日：2018-11-06

    申请人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris

    发明人： Merrill Brooks Smith ,  Phillip Craig Graves ,  Phil M. Chakiris

    IPC分类号： G06K5/00 ,  G06Q20/20

    CPC分类号： G06K5/00 ,  G06Q20/202 ,  G06Q20/206 ,  H04W12/0023 ,  H04W12/00514 ,  H04W12/06 ,  H04W12/08

    摘要： The present invention is directed to systems and methods of activating an electronic device at a point-of-sale (POS). The device may be identified by an indicia and activation may occur following purchase of the device. The method may include the steps of receiving at a central processor from the PUS the indicia identifying the device purchased at the POS; enabling by the central processor a feature or functionality of the device or use of the device; and conveying to the device information material to the feature, functionality, or use. The system may include a central processor that activates the device. The central processor may include various interfaces with the POS, provider, and device, as well as a database with records related to the device and an activation processor for determining if activation is appropriate, activating the device, and sending information material to the feature, functionality, or use to the device.