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。

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。

公开(公告)号：US10728398B2

公开(公告)日：2020-07-28

申请号：US16101977

申请日：2018-08-13

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

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

IPC分类号： G06Q40/00 ,  H04M17/02 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q40/04 ,  H04M15/00 ,  H04M17/00

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. The request may comprise value identification data associated with the value and account identification data associated with the customer account. 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.

公开(公告)号：US20190297194A1

公开(公告)日：2019-09-26

申请号：US16436916

申请日：2019-06-11

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

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

IPC分类号： H04M17/02 ,  H04M15/00 ,  G06Q40/00 ,  G06Q30/02 ,  G06Q20/40 ,  G06Q20/20 ,  G06Q20/10 ,  G06Q40/04 ,  H04M17/00

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. The request may comprise value identification data associated with the value and account identification data associated with the customer account. 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.

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.

公开(公告)号：US08655309B2

公开(公告)日：2014-02-18

申请号：US12800581

申请日：2010-05-17

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： H04M11/00 ,  H04M1/00

CPC分类号： G06K5/00 ,  G06Q20/202 ,  G06Q20/206 ,  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 POS 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.

摘要翻译： 本发明涉及在销售点（POS）激活电子设备的系统和方法。 可以通过标记来识别设备，并且可以在购买设备之后进行激活。 该方法可以包括以下步骤：在中央处理器处从POS接收标识在POS处购买的设备的标记; 由中央处理器实现设备的特征或功能或使用该设备; 并将设备信息材料传送到特征，功能或使用。 该系统可以包括激活该设备的中央处理器。 中央处理器可以包括与POS，提供商和设备的各种接口，以及具有与该设备有关的记录的数据库，以及用于确定激活是否合适的激活处理器，激活该设备，以及向该特征发送信息材料， 功能或用于设备。

公开(公告)号：US20110153441A1

公开(公告)日：2011-06-23

申请号：US12645956

申请日：2009-12-23

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

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

IPC分类号： G06Q10/00 ,  G06Q40/00 ,  G06Q30/00 ,  G06F17/30 ,  G06F15/16

CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/202 ,  G06Q20/209 ,  G06Q30/0607 ,  G06Q30/0641

摘要： The invention is generally directed to a method of managing the activation and use of a specific merchandise, facilitated between at least a retailer that sells the specific merchandise, a customer that purchases the specific merchandise, and a central processor that authorizes activation and use of the specific merchandise. The method includes the steps of receiving an indicia that uniquely identifies the specific merchandise, and an activation code associated with the merchandise that will allow the merchandise to properly function; storing the indicia of the specific merchandise and the activation code; receiving a confirmation of a valid purchase transaction of the specific merchandise, the confirmation of valid sale comprising the indicia of the specific merchandise; determining the activation code associated with the specific merchandise; and providing the activation code associated with the specific merchandise to the customer.

摘要翻译： 本发明一般涉及一种管理特定商品的激活和使用的方法，在至少销售特定商品的零售商，购买特定商品的顾客和授权激活和使用该商品的中央处理器之间促成 具体商品。 该方法包括以下步骤：接收唯一地识别特定商品的标记，以及与允许商品正常工作的商品相关联的激活代码; 存储特定商品的标记和激活码; 接收特定商品的有效购买交易的确认，包括特定商品的标记的有效销售的确认; 确定与特定商品相关联的激活代码; 并向客户提供与特定商品相关联的激活代码。

公开(公告)号：US20100235249A1

公开(公告)日：2010-09-16

申请号：US12800581

申请日：2010-05-17

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： G06Q30/00 ,  H04W4/14 ,  G06Q50/00 ,  G06Q10/00

CPC分类号： G06K5/00 ,  G06Q20/202 ,  G06Q20/206 ,  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 POS 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.

摘要翻译： 本发明涉及在销售点（POS）激活电子设备的系统和方法。 可以通过标记来识别设备，并且可以在购买设备之后进行激活。 该方法可以包括以下步骤：在中央处理器处从POS接收标识在POS处购买的设备的标记; 由中央处理器实现设备的特征或功能或使用该设备; 并将设备信息材料传送到特征，功能或使用。 该系统可以包括激活该设备的中央处理器。 中央处理器可以包括与POS，提供商和设备的各种接口，以及具有与该设备有关的记录的数据库，以及用于确定激活是否合适的激活处理器，激活该设备，以及向该特征发送信息材料， 功能或用于设备。

公开(公告)号：US20140054375A1

公开(公告)日：2014-02-27

申请号：US14067541

申请日：2013-10-30

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

CPC分类号： G06K5/00 ,  G06Q20/202 ,  G06Q20/206 ,  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 POS 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.

摘要翻译： 本发明涉及在销售点（POS）激活电子设备的系统和方法。 可以通过标记来识别设备，并且可以在购买设备之后进行激活。 该方法可以包括以下步骤：在中央处理器处从POS接收标识在POS处购买的设备的标记; 由中央处理器实现设备的特征或功能或使用该设备; 并将设备信息材料传送到特征，功能或使用。 该系统可以包括激活该设备的中央处理器。 中央处理器可以包括与POS，提供商和设备的各种接口，以及具有与该设备有关的记录的数据库，以及用于确定激活是否合适的激活处理器，激活该设备，以及向该特征发送信息材料， 功能或用于设备。

公开(公告)号：US08244612B2

公开(公告)日：2012-08-14

申请号：US12607141

申请日：2009-10-28

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： H04M17/02 ,  G06Q20/10 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/40 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/04 ,  H04M15/00 ,  H04M15/48 ,  H04M15/49 ,  H04M15/68 ,  H04M15/8083 ,  H04M17/00 ,  H04M17/10 ,  H04M17/20 ,  H04M2017/25 ,  H04M2017/2506 ,  H04M2017/2512 ,  H04M2017/2518 ,  H04M2017/2537 ,  H04M2017/2556 ,  H04M2017/2562 ,  H04M2017/2593 ,  H04M2215/0156 ,  H04M2215/0184 ,  H04M2215/0192 ,  H04M2215/0196 ,  H04M2215/46

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. The request may comprise value identification data associated with the value and account identification data associated with the customer account. 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。 请求可以包括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。 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。