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    SYSTEM AND METHOD FOR AUTOMATICALLY ENROLLNG AN ITEM IN A VIRTUAL WALLET
    1.
    发明申请
    SYSTEM AND METHOD FOR AUTOMATICALLY ENROLLNG AN ITEM IN A VIRTUAL WALLET 审中-公开
    在虚拟电子钱包中自动加入项目的系统和方法

    公开(公告)号：US20150100486A1

    公开(公告)日：2015-04-09

    申请号：US14507593

    申请日：2014-10-06

    申请人： Sydney Green ,  Robert Alandt ,  Paul Spaeth ,  Kevin Wong

    发明人： Sydney Green ,  Robert Alandt ,  Paul Spaeth ,  Kevin Wong

    IPC分类号： G06Q20/36 ,  G06Q20/28 ,  G06Q20/22

    CPC分类号： G06Q20/36 ,  G06Q20/227 ,  G06Q20/28

    摘要： Systems and methods for enrolling one or more items into a virtual wallet are provided. A transaction message for a transaction is received. The transaction message includes information associated with the one or more items and a primary payment card associated with a user. The information associated with the one or more items is enrolled into the virtual wallet associated with a user. The virtual wallet includes information associated with a primary payment account associated with the user.

    摘要翻译： 提供了将一个或多个项目注册到虚拟钱包中的系统和方法。 收到交易的交易信息。 交易消息包括与一个或多个项目相关联的信息和与用户相关联的主要支付卡。 与一个或多个项目相关联的信息被登记到与用户相关联的虚拟钱包中。 虚拟钱包包括与与用户相关联的主要支付账户相关联的信息。

    SYSTEMS AND METHODS FOR FACILITATING TRANSACTIONS
    2.
    发明申请
    SYSTEMS AND METHODS FOR FACILITATING TRANSACTIONS 审中-公开
    促进交易的制度和方法

    公开(公告)号：US20110087592A1

    公开(公告)日：2011-04-14

    申请号：US12578225

    申请日：2009-10-13

    申请人： Larry van der Veen ,  Charles Marshall ,  Paul Spaeth ,  Devin Wade

    发明人： Larry van der Veen ,  Charles Marshall ,  Paul Spaeth ,  Devin Wade

    IPC分类号： G06Q20/00 ,  G06F17/00 ,  G06F15/16

    CPC分类号： G06Q20/12 ,  G06Q20/227 ,  G06Q20/26 ,  G06Q20/40 ,  G06Q20/405

    摘要： Pursuant to some embodiments, a payment account including multiple subaccounts is provided where each subaccount can be used only for payment for a designated category of products. Pursuant to some embodiments, purchases using the subaccounts can be automatically combined in a single transaction to redeem multiple categories of products, with each subaccount providing funds for the redemption of a single product category. In some embodiments, the payment account may include a subaccount that contains value that is unrestricted and available for general spending or to automatically provide supplementary funds for the redemption of products from subaccounts with product category restrictions. The value contained within each subaccount may be immediately available funds, access to credit provided by an entity who has agreed to extend credit to the account holder for purchasing products in a designated category or a combination of these types of value. Alternatively, in some embodiments, the value may include benefits provided by a health care plan whose redemption is limited to specific categories of products and services as provided by the plan.

    摘要翻译： 根据一些实施例，提供了包括多个子帐户的支付帐户，其中每个子帐户仅可以用于指定类别的产品的支付。 根据一些实施例，使用子账户的购买可以在单个交易中自动组合以兑换多个类别的产品，每个子帐户为赎回单个商品类别提供资金。 在一些实施例中，支付帐户可以包括子帐户，该子帐户包含无限制且可用于一般支出的价值，或者自动提供用于从具有产品类别限制的子帐户兑换产品的补充资金。 每个子帐户中包含的价值可以是立即可用的资金，获得由同意向账户持有者提供信用的实体提供的信贷，以便以指定类别购买产品或这些类型的价值的组合。 或者，在一些实施例中，该值可以包括由保健计划提供的福利，其救赎被限于由该计划提供的特定类别的产品和服务。

    System and Method for Updating Account Information
    3.
    发明申请
    System and Method for Updating Account Information 审中-公开
    更新帐户信息的系统和方法

    公开(公告)号：US20160125405A1

    公开(公告)日：2016-05-05

    申请号：US14931462

    申请日：2015-11-03

    申请人： Amy Alterman ,  Jeffrey Sachs ,  Denise Raper ,  Paul Spaeth ,  Aashish Bhargava ,  Traci Engle ,  Sameer Govila ,  Lisa Doherty ,  David Richey

    发明人： Amy Alterman ,  Jeffrey Sachs ,  Denise Raper ,  Paul Spaeth ,  Aashish Bhargava ,  Traci Engle ,  Sameer Govila ,  Lisa Doherty ,  David Richey

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/40 ,  G06Q20/385 ,  G06Q20/42

    摘要： Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.

    摘要翻译： 实施例在授权响应消息内将用户帐户更新发送到交易方，而不接收或请求来自交易方的查询。 旧的帐户信息和新的帐户信息都可以被包括在发送到交易方的授权响应消息中。 因此，作为事务处理的一部分，更新的帐户信息被提供给交易方。 用户帐户更新可以包括分配给帐户的新帐户标识符，对用户信息（例如，姓名，地址等）的更改，与该帐户相关联的信息的改变（例如到期日期，安全码等）。

    Method and system for managing token image replacement
    6.
    发明申请
    Method and system for managing token image replacement 有权
    管理令牌图像替换的方法和系统

    公开(公告)号：US20070023498A1

    公开(公告)日：2007-02-01

    申请号：US11540020

    申请日：2006-09-29

    申请人： Paul Spaeth ,  Douglas Jones ,  Bryan Shimko ,  James Gordon ,  Kim Madore ,  Marc Black ,  James Mazour ,  Michael Salters

    发明人： Paul Spaeth ,  Douglas Jones ,  Bryan Shimko ,  James Gordon ,  Kim Madore ,  Marc Black ,  James Mazour ,  Michael Salters

    IPC分类号： G06F17/00 ,  G06K5/00

    CPC分类号： G07F7/1008 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q20/3552 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q40/12 ,  G07C9/00079 ,  G07F7/082 ,  Y10S707/99953

    摘要： A system for managing token image replacement is provided. The system includes a remote server, a personal computer (PC) connected to the remote server, a smartcard that can be read by the PC, and a card image server. Using application logic and rules, the remote server is able to read the card image on the smartcard and determine if the card image on the smartcard needs to be updated. If an indicator on the smartcard is set to “update”, the remote server then retrieves a backup card image that corresponds to the card from the card image server. The remote server forwards the backup card image to the PC which, in turn, writes the backup card image including transaction information to the smartcard. Once the backup card image is written onto the smartcard, the indicator in the smartcard is then reset to ensure that subsequent interactions with the system would not initiate an update.

    摘要翻译： 提供了用于管理令牌图像替换的系统。 该系统包括远程服务器，连接到远程服务器的个人计算机（PC），可由PC读取的智能卡以及卡片图像服务器。 使用应用程序逻辑和规则，远程服务器能够读取智能卡上的卡映像，并确定智能卡上的卡映像是否需要更新。 如果智能卡上的指示灯设置为“更新”，则远程服务器将从卡片映像服务器中检索对应于该卡的备用卡映像。 远程服务器将备份卡映像转发到PC，PC又将备份卡映像（包括事务信息）写入智能卡。 将备用卡映像写入智能卡后，智能卡中的指示灯将被重置，以确保与系统的后续交互不会启动更新。

    SYSTEMS AND METHODS FORFACILITATING A REWARDS PROGRAM INVOLVING MULTIPLE PAYMENTS ACCOUNTS
    9.
    发明申请
    SYSTEMS AND METHODS FORFACILITATING A REWARDS PROGRAM INVOLVING MULTIPLE PAYMENTS ACCOUNTS 审中-公开
    促成涉及多项付款账户的奖励计划的制度和方法

    公开(公告)号：US20120059701A1

    公开(公告)日：2012-03-08

    申请号：US12953051

    申请日：2010-11-23

    申请人： Larry van der Veen ,  Charles Marshall ,  Paul Spaeth

    发明人： Larry van der Veen ,  Charles Marshall ,  Paul Spaeth

    IPC分类号： G06Q30/02

    CPC分类号： G06Q20/26 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q20/387 ,  G06Q20/405 ,  G06Q30/0215

    摘要： Systems and methods are provided for linking multiple payment card accounts to a single rewards program account which include associating, in a program management computer system, a first program identifier with the single rewards program account, associating, in the program management computer system, the first program identifier with a first payment card account, associating, in the program management computer system, the first program identifier to at least a second payment card account; and storing, in the program management computer system, at least a first set of reward program rules associated with the single reward program account, the first set of reward program rules specifying at least one of a reward conversion ratio and a promotion rule. Payment transactions conducted using the first and at least second payment card accounts earning a reward amount are associated with the single rewards program account and the first set of reward program rules are applied to the payment transactions.

    摘要翻译： 提供了系统和方法，用于将多个支付卡帐户连接到单个奖励计划帐户，其包括在程序管理计算机系统中将第一程序标识符与单个奖励程序帐户相关联，在程序管理计算机系统中将第一 程序标识符与第一支付卡帐户相关联，在程序管理计算机系统中将第一程序标识符与至少第二支付卡帐户相关联; 以及在所述程序管理计算机系统中存储与所述单个奖励计划账户相关联的至少第一组奖励计划规则，所述第一组奖励计划规则指定奖励转换比率和促销规则中的至少一个。 获得奖励金额的第一和第二支付卡账户执行的支付交易与单个奖励计划帐户相关联，并且第一组奖励计划规则被应用于支付交易。

    METHOD AND SYSTEM FOR MANAGING TOKEN IMAGE REPLACEMENT
    10.
    发明申请
    METHOD AND SYSTEM FOR MANAGING TOKEN IMAGE REPLACEMENT 有权
    管理图像替换的方法和系统

    公开(公告)号：US20080128485A1

    公开(公告)日：2008-06-05

    申请号：US11923969

    申请日：2007-10-25

    申请人： Paul Spaeth ,  Douglas Jones ,  Bryan Shimko ,  James G. Gordon ,  Kim Madore ,  Marc Black ,  James Mazour ,  Michael Salters

    发明人： Paul Spaeth ,  Douglas Jones ,  Bryan Shimko ,  James G. Gordon ,  Kim Madore ,  Marc Black ,  James Mazour ,  Michael Salters

    IPC分类号： G06F17/00

    CPC分类号： G07F7/1008 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/355 ,  G06Q20/3552 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q40/12 ,  G07C9/00079 ,  G07F7/082 ,  Y10S707/99953

    摘要： A system for managing token image replacement is provided. The system includes a remote server, a personal computer (PC) connected to the remote server, a smartcard that can be read by the PC, and a card image server. Using application logic and rules, the remote server is able to read the card image on the smartcard and determine if the card image on the smartcard needs to be updated. If an indicator on the smartcard is set to “update”, the remote server then retrieves a backup card image that corresponds to the card from the card image server. The remote server forwards the backup card image to the PC which, in turn, writes the backup card image including transaction information to the smartcard. Once the backup card image is written onto the smartcard, the indicator in the smartcard is then reset to ensure that subsequent interactions with the system would not initiate an update.

    摘要翻译： 提供了用于管理令牌图像替换的系统。 该系统包括远程服务器，连接到远程服务器的个人计算机（PC），可由PC读取的智能卡以及卡片图像服务器。 使用应用程序逻辑和规则，远程服务器能够读取智能卡上的卡映像，并确定智能卡上的卡映像是否需要更新。 如果智能卡上的指示灯设置为“更新”，则远程服务器将从卡片映像服务器中检索对应于该卡的备用卡映像。 远程服务器将备份卡映像转发到PC，PC又将备份卡映像（包括事务信息）写入智能卡。 将备用卡映像写入智能卡后，智能卡中的指示灯将被重置，以确保与系统的后续交互不会启动更新。