公开(公告)号：US11922411B2

公开(公告)日：2024-03-05

申请号：US16906606

申请日：2020-06-19

申请人： SSENSTONE INC.

发明人： Chang-Hun Yoo

IPC分类号： G06Q20/00 ,  G06F1/14 ,  G06F12/10 ,  G06F21/60 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40 ,  H04L9/40 ,  G06K19/07

CPC分类号： G06Q20/385 ,  G06F1/14 ,  G06F12/10 ,  G06F21/60 ,  G06Q20/341 ,  G06Q20/343 ,  G06Q20/352 ,  G06Q20/353 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/40145 ,  H04L63/0838 ,  H04L63/0853 ,  G06F2212/65 ,  G06K19/0701 ,  G06K19/0723

摘要： Disclosed are a smart card for generating and providing a virtual code, and method and program therefor. A method for generating and providing a smart card-based virtual code includes receiving, by the smart card, first power from the outside, generating, by the smart card, the virtual code based on a time count using the first power, and providing, by the smart card, the virtual code to the outside, in which the virtual code is a virtual card number or a virtual token, generated as a code matching an actual card number by a virtual code generation function previously stored in the smart card, and used to search for the actual card number in a financial company server or a virtual code verification server, the time counter is counted and measured from an initial time value provided at the time of manufacturing the card by a time measurement module included in the smart card, and the time measurement module includes a clock that measures the time data and a clock battery that supplies second power to the clock.

公开(公告)号：US11769141B2

公开(公告)日：2023-09-26

申请号：US17947929

申请日：2022-09-19

申请人： Apple Inc.

发明人： Aaron M. Melim ,  Christine A. Franco ,  Glen W. Steele ,  Mischa K. McLachlan ,  Michael Artemiw ,  Ashish C. Nagre ,  David T. Haggerty ,  Fadi S. Obeid ,  Katie M. McIndoe ,  Richard W. Heard ,  Rima Kakarla ,  Akila Suresh ,  Jarad M. Fisher

IPC分类号： G06Q20/14 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/24

CPC分类号： G06Q20/343 ,  G06Q20/24 ,  G06Q20/389

摘要： The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.

公开(公告)号：US20170132612A1

公开(公告)日：2017-05-11

申请号：US15205757

申请日：2016-07-08

申请人： Murray Jarman ,  Shane Jarman ,  Regan O'Reilly ,  Scott Barlow

发明人： Murray Jarman ,  Shane Jarman ,  Regan O'Reilly ,  Scott Barlow

IPC分类号： G06Q20/34 ,  G06K7/00 ,  G06Q20/20 ,  G06K7/14

CPC分类号： G06Q20/349 ,  G06K7/0013 ,  G06K7/1413 ,  G06Q10/00 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/322 ,  G06Q20/343 ,  G07F7/088 ,  G07F7/0893

摘要： A system for receiving a value on or associated with a consumer card or cellular telephone in lieu of actually receiving coin change from a particular sale of merchandise or services at a point of sale terminal or cash register. Instead of receiving an odd amount of coin change after a purchase, the read/write device can augment a total value either stored on the card or cellular telephone itself or in an account associated with the card or cellular telephone. A consumer can redeem value up to the amount on the card or cellular telephone at participating stores as if it were a gift card.

公开(公告)号：US20160328686A1

公开(公告)日：2016-11-10

申请号：US15108543

申请日：2014-12-26

申请人： Risozu Corporation

发明人： Akihiro SHIMURA ,  Daisuke SHIMODA ,  Yosuke KURIHARA ,  Ryota KITAGAWA ,  Kimiaki NAGATOME ,  Koh ABURAYA

IPC分类号： G06Q20/10 ,  G06Q50/14 ,  G06Q20/34

CPC分类号： G06Q20/10 ,  G06Q20/0655 ,  G06Q20/28 ,  G06Q20/342 ,  G06Q20/343 ,  G06Q20/349 ,  G06Q20/36 ,  G06Q40/00 ,  G06Q50/14 ,  G07F17/32 ,  G07F17/3244

摘要： Provided is an electronic money transaction system whereby financial operations which will form the basis of an integrated resort and inbound tourism strategy are controlled, contributions are made to improve convenience and reduce stress on the part of inbound tourists, and safe and reassuring management at integrated resorts which contain casinos is possible. This electronic money transaction system comprises: a transaction card (1) which stores electronic money information and identification information including an inbound tourist's passport information; a general transaction processing unit (22) which carries out an electronic money transaction process according to a general product transaction or service provision at a general facility other than a casino; a casino transaction processing unit (33) which carries out the electronic money transaction process according to either a payment for playing a game or a payoff of winnings occurring at a casino service at an integrated resort; and electronic money processing units (23, 34) which update the electronic money information stored on the transaction card (1) on the basis of the transaction processes of the general transaction processing unit (22) and the casino transaction processing unit (33).

摘要翻译： 提供了一个电子货币交易系统，其中将形成综合度假和入境旅游战略基础的金融业务，为提高入境旅游者的便利性和减少压力做出贡献，综合度假村的安全，放心的管理 其中包含赌场是可能的。 该电子货币交易系统包括：交易卡（1），其存储电子货币信息和包括入境旅游者护照信息的识别信息; 一般交易处理单元（22），其在娱乐场以外的一般设施处根据一般产品交易或服务提供进行电子货币交易处理; 娱乐场交易处理单元（33），其根据在综合度假村的娱乐场服务中发生的玩游戏支付或奖金回报进行电子货币交易处理; 以及基于一般交易处理单元（22）和娱乐场交易处理单元（33）的交易处理更新存储在交易卡（1）上的电子货币信息的电子货币处理单元（23,34）。

公开(公告)号：US20150363814A1

公开(公告)日：2015-12-17

申请号：US14120683

申请日：2014-06-16

申请人： William Hernandez

发明人： William Hernandez

IPC分类号： G06Q30/02 ,  G06Q50/00 ,  G06Q20/34

CPC分类号： G06Q30/0226 ,  G06Q20/343 ,  G06Q30/0234 ,  G06Q50/01

摘要： A method and system for generating and providing a pre-paid, debit or credit card or other financial instrument card with integrated and associated financial offer receipt, merchant-funded offer, rewards, incentives for consumers to do certain activities for a merchant or manufacturer such as follow them on social media channels and reward acceptance aggregation capabilities associated therewith. The pre-paid, debit or credit card or other financial instrument card may be provided with a financial offer, discount or other benefit in relation to a particular purchase or a general offer, discount or other benefit from a merchant or merchants and may be employed to effectuate the purchase and accept both the benefit of the financial offer or discount and further accept and aggregate additional rewards. The incentive or benefit may also be for an action that they conduct or as an incentive to follow social media or other social interactive forums, gaming type rewards, gaming to win rewards; and additional offers or offer upgrades as they spend at merchants or elsewhere.

摘要翻译： 一种用于生成和提供预付费，借记卡或信用卡或其他金融工具卡的方法和系统，该卡具有综合和相关的财务报价收据，商家资助的报价，奖励，激励消费者为商家或制造商做某些活动 跟随他们在社交媒体渠道和奖励与其相关的接受汇总能力。 预付款，借记卡或信用卡或其他金融工具卡可以被提供与特定购买或一般报价，折扣或其它利益相关的财务报价，折扣或其他利益，商人或商户可以使用 实行购买并接受财务报价或折扣的利益，并进一步接受和累积额外的奖励。 激励或利益也可能是采取行动或鼓励遵循社交媒体或其他社交互动论坛，游戏类型奖励，游戏赢得奖励; 额外的优惠或提供升级，因为他们花在商人或其他地方。

公开(公告)号：US20140236823A1

公开(公告)日：2014-08-21

申请号：US13772108

申请日：2013-02-20

申请人： Seung Hyo Lee

发明人： Seung Hyo Lee

IPC分类号： G06Q20/40

CPC分类号： G06Q20/409 ,  G06Q20/343 ,  G06Q20/36

摘要： Methods and systems are provided for authorizing online purchase transactions made with non-reloadable prepaid cards, such as gift cards. An online purchase transaction using a non-reloadable prepaid card can be identified by performing a balance inquiry and an Address Verification System (AVS) inquiry. If the balance inquiry results in a positive balance and the AVS inquiry returns an indication that the billing address is not supported and/or that information is not available, then the card being authorized can be identified as the non-reloadable prepaid gift card.

摘要翻译： 提供方法和系统，用于授权使用不可重新加载的预付卡（如礼品卡）进行的在线购买交易。 可以通过执行余额查询和地址验证系统（AVS）查询来识别使用不可重新加载的预付卡的在线购买交易。 如果余额查询结果为正余额，AVS查询返回表示不支持帐单地址和/或该信息不可用，则被授权的卡可以被识别为不可重新加载的预付费礼品卡。

公开(公告)号：US20140214513A1

公开(公告)日：2014-07-31

申请号：US14227450

申请日：2014-03-27

申请人： SIGNATURE SYSTEMS LLC

发明人： Richard Postrel

IPC分类号： G06Q30/02 ,  G06Q20/22 ,  G06Q20/34

CPC分类号： G06Q30/0226 ,  G06Q20/06 ,  G06Q20/12 ,  G06Q20/22 ,  G06Q20/343 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q30/0209 ,  G06Q30/0212 ,  G06Q30/0215 ,  G06Q30/0222 ,  G06Q30/0223 ,  G06Q30/0225 ,  G06Q30/0227 ,  G06Q30/0228 ,  G06Q30/0229 ,  G06Q30/0233 ,  G06Q30/0236 ,  G06Q30/0239 ,  G06Q30/06 ,  G06Q40/04 ,  G07F17/3255

摘要： A system and method for a user to have a credit card, debit card, or stored value card that is linked to their reward points account in such a way as to permit them to pay for purchases with a merchant by using the card, wherein the merchant uses the existing credit card payment infrastructure as if payment were being made/authorized by a bank linked to the credit card or debit card account, but in fact the card is linked to the user's reward points account. In this manner, the user and merchant can use the reward points account to pay for purchases in a seamless manner whereby reward points are used for consideration rather than or as a supplement to cash and traditional credit.

摘要翻译： 一种用于使用户具有与其奖励点相关联的信用卡，借记卡或储值卡的系统和方法，以便允许他们通过使用该卡支付与商家的购买，其中， 商家使用现有的信用卡支付基础设施，如同通过信用卡或借记卡帐户链接的银行进行/授权付款，但事实上该卡与用户的奖励积分帐户相关联。 以这种方式，用户和商家可以使用奖励积分账户以无缝的方式支付购买，其中奖励积分被用于考虑，而不是补充现金和传统信贷。

公开(公告)号：US20140188721A1

公开(公告)日：2014-07-03

申请号：US14144291

申请日：2013-12-30

申请人： Blackhawk Network, Inc.

发明人： Thomas J. Sullivan ,  J. Simmons Graves

IPC分类号： G06Q20/34

CPC分类号： G06Q20/342 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/343 ,  G06Q20/3433 ,  G06Q20/351 ,  G06Q20/363 ,  G06Q20/40 ,  G06Q20/4018 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06

摘要： A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

摘要翻译： 用于通过通信网络激活，发行和以其他方式管理与储值卡有关的交易和活动的计算机化系统。 提供了一个中央信息数据库，用于通过通用中央处理器经由相应的通信网关来存储直接从相应的存储卡持卡人和卡购买者PC接收的储值卡持卡人和卡购买者信息。 中央处理器被耦合用于实时通信到由相应主机正常操作的多个无关联的存储值卡处理网络。 每个网络包括耦合到存储值卡数据库和多个相应商家通信设备的存储值卡处理器。 中央处理器被编程用于通过相应的无关联网络管理存储卡的交易和活动的激活和发行。 通用中央处理器被编程为通过相应的通信网关下载，将存储卡直接发放给持卡人或卡片购买者。 通用中央处理器进一步编程为向持卡人和商家报告卡的激活，发行，交易和活动，从而提供通用管理系统。

公开(公告)号：US08622291B2

公开(公告)日：2014-01-07

申请号：US13833920

申请日：2013-03-15

申请人： Blackhawk Network, Inc.

发明人： Thomas J. Sullivan ,  J. Simmons Graves

IPC分类号： G07F19/00

CPC分类号： G06Q20/342 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/343 ,  G06Q20/3433 ,  G06Q20/351 ,  G06Q20/363 ,  G06Q20/40 ,  G06Q20/4018 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06

摘要： A computerized system for activating, issuing and otherwise managing transactions and activities pertaining to stored-value cards over a communications network. A central information database is provided for storing stored-value cardholder and card purchaser information received directly from respective stored-value cardholders and card purchasers PCs through a universal central processor via respective communication gateways. The central processor is coupled for communication realtime to multiple unaffiliated stored-value card processing networks normally operated by respective hosts. Each network includes a stored-value card processor coupled to a stored-value card database and multiple respective merchant communication devices. The central processor is programmed for managing the activation and issuance of transactions and activities for the stored-value card through the respective unaffiliated networks. The universal central processor is programmed to issue the stored-value cards directly to the cardholder or card purchaser by download over respective communication gateways. The universal central processor is further programmed for reporting the card activations, issuances, transactions and activities to the cardholders and the merchants thereby providing a universal management system.

摘要翻译： 用于通过通信网络激活，发行和以其他方式管理与储值卡有关的交易和活动的计算机化系统。 提供了一个中央信息数据库，用于通过通用中央处理器经由相应的通信网关来存储直接从相应的存储卡持卡人和卡购买者PC接收的储值卡持卡人和卡购买者信息。 中央处理器被耦合用于实时通信到由相应主机正常操作的多个无关联的存储值卡处理网络。 每个网络包括耦合到存储值卡数据库和多个相应商家通信设备的存储值卡处理器。 中央处理器被编程用于通过相应的无关联网络管理存储卡的交易和活动的激活和发行。 通用中央处理器被编程为通过相应的通信网关下载，将存储卡直接发放给持卡人或卡片购买者。 通用中央处理器进一步编程为向持卡人和商家报告卡的激活，发行，交易和活动，从而提供通用管理系统。

公开(公告)号：US08612290B2

公开(公告)日：2013-12-17

申请号：US13900815

申请日：2013-05-23

申请人： Signature Systems LLC

发明人： Richard Postrel

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0226 ,  G06Q20/06 ,  G06Q20/12 ,  G06Q20/22 ,  G06Q20/343 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q30/0209 ,  G06Q30/0212 ,  G06Q30/0215 ,  G06Q30/0222 ,  G06Q30/0223 ,  G06Q30/0225 ,  G06Q30/0227 ,  G06Q30/0228 ,  G06Q30/0229 ,  G06Q30/0233 ,  G06Q30/0236 ,  G06Q30/0239 ,  G06Q30/06 ,  G06Q40/04 ,  G07F17/3255

摘要： A system and method for operating a reward points accumulation and redemption program wherein a user earns rewards from a plurality of independent reward issuing entities, with each tracking the user's earned rewards. A trading server accumulates some or all of the user's earned rewards from the reward servers and credits the accumulated points rewards into a single reward exchange account associated with the user. The user may then select an item for purchase with the accumulated rewards. The item is provided to the user in exchange for a subset or all of the rewards. Reward points may also be redeemed in exchange for services, such as the playing of a video game or Internet access.

摘要翻译： 一种用于操作奖励积分和兑换程序的系统和方法，其中用户从多个独立奖励发行实体获得奖励，每个跟踪用户获得的奖励。 交易服务器从奖励服务器累积部分或全部用户获得的奖励，并将累积积分奖励记入与用户相关联的单个奖励​​交换账户中。 然后，用户可以用累积的奖励来选择要购买的物品。 该项目被提供给用户以换取一个子集或所有的奖励。 奖励积分也可以兑换为兑换服务，例如播放视频游戏或上网。