Produits et services

Providing temporary use of on-line non-downloadable computer software for use in the detection, prevention, mitigation and management of online fraud, and for prepaid card fraud detection; software as a service (SAAS) featuring software for use in financial account protection, secure commercial transactions, and detection, prevention, mitigation and management of online fraud and prepaid card fraud; software as a service (SAAS) featuring software for use in electronically monitoring, detecting and reporting suspicious and abnormal patterns of on-line transaction activity indicating theft, fraud, or other criminal activity, and providing authentication services in e-commerce transactions; electronic monitoring of prepaid card activity to detect fraud via the internet.

Produits et services

(1) Magnetically encoded stored value cards, namely, gift cards and charge cards; downloadable gift cards for digital delivery; downloadable gift cards, vouchers, and other stored value cards in electronic form

Abrégé

A method comprises receiving a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; prompting a user for credentials to enter the electronic wallet website; determining whether the stored-value card already exists in the electronic wallet; and adding the stored-value card to the electronic wallet. A system comprises a computer device to receive a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; to prompt a user for credentials to enter the electronic wallet website, to determine possession of the stored-value card, to determine whether the stored-value card already exists in the electronic wallet, and to add the stored-value card to the electronic wallet.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques

Produits et services

Magnetically encoded stored value cards, namely, gift cards and charge cards

Produits et services

(1) Downloadable printable gift certificates and gift vouchers; downloadable electronic vouchers; magnetically encoded gift cards; downloadable software in the nature of a mobile application for use of gift certificates, gift vouchers, electronic vouchers and magnetically encoded gift cards

Abrégé

Systems and methods discussed herein relate to a system for detecting and preventing fraudulent transactions through collecting requests for website access, stored-card trades and sales, and transactions using physical or electronically issued credit, debit, stored-value, and other cards. The fraud detection system not only flags individual transactions, but is also configured to dynamically track and update banned/watch lists associated with request artifacts and cards in order to catch and prevent individual actors as well as BOTs, at least by adjusting the thresholds used to evaluate risk scores and what is placed on the banned/watch lists based upon requests received as well as information from financial institutions, merchants, government agencies, and watchdog groups. The system is also configured to provide information to those groups.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G09C 1/00 - Appareils ou méthodes au moyen desquels une suite donnée de signes, p.ex. un texte intelligible, est transformée en une suite de signes inintelligibles en transposant les signes ou groupes de signes ou en les remplaçant par d'autres suivant un systèm

Abrégé

Systems and methods for completing a transaction request via receiving payment at a point of sale comprising: a lottery ticket provider, wherein the lottery ticket provider is remote from an originating location of the transaction request and wherein the lottery ticket provider comprises: a processing device; a user device; a fulfilment computer device; a lottery ticket; and a lottery ticket approved sales location database.

Classes IPC  ?

• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 50/34 - Mises ou paris sportifs, p.ex. paris sur Internet
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions

Abrégé

A method including receiving an activation request including an identifier uniquely identifying the pre-printed lottery ticket for a pre-printed lottery ticket from a point-of-sale terminal, accessing a record associated with the pre-printed lottery ticket, determining if the activation request is valid, determining a set of attributes associated with the pre-printed lottery ticket based upon the identifier uniquely identifying the pre-printed lottery ticket, determining a central gaming system responsible for administering a lottery with which the pre-printed lottery ticket is associated, and enrolling the set of attributes associated with the pre-printed lottery ticket in the lottery with the central gaming system.

Classes IPC  ?

• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 50/34 - Mises ou paris sportifs, p.ex. paris sur Internet

Abrégé

A client selects several merchants with whom the card may be redeemed, the amount redeemable, and a design for the card, which is personalized for the card recipient.

Classes IPC  ?

• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G07F 7/10 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée utilisée simultanément avec un signal codé
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Produits et services

Providing customer service in the field of prepaid cards, namely, providing card balance, card activation, transaction history, activity reporting, alerts, and related information; providing a website featuring financial transaction data, account management, financial reporting, accounting features and related reference information.

Produits et services

(1) Providing customer service in the field of prepaid cards, namely, providing card balance, card activation, transaction history, activity reporting, alerts, and related information; providing a website featuring commercial financial transaction data, account management, financial reporting, accounting features and related reference information

Produits et services

Magnetically encoded stored value cards, namely, gift cards and charge cards; downloadable gift cards for digital delivery; downloadable gift cards, vouchers, and other stored value cards in electronic form

Abrégé

Systems and methods discussed herein relate to an Open Payment Network that allows a plurality of retailers to provide goods and services to users of applications including e-wallets and allows the users to pay for purchases using currency including digital currency earned as credits, points, or other rewards as well as traditional bank-backed currency in the form of cash, credit, or debit. In addition, a user who has registered for the system through a profile or using an individual application or applications can query the system and obtain a quote to determine how much value currency from a variety of sources (e.g., applications) has towards the purchase of a particular good or service at a real or virtual retail location.

Classes IPC  ?

• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 20/08 - Architectures de paiement

Produits et services

Downloadable printable gift certificates and gift vouchers; downloadable electronic vouchers; magnetically encoded gift cards; downloadable software in the nature of a mobile application for use of gift certificates, gift vouchers, electronic vouchers and magnetically encoded gift cards

Abrégé

A system for converting a redeemable winnings voucher into customer-useable value comprising: a processor comprising a computer-readable medium storing mobile point of sale application instructions configured to cause the processor, upon execution of the instructions to: receive a request, wherein the request comprises the redeemable winnings voucher; validate the redeemable winnings voucher; receive a confirmation of an amount of customer-useable value associated with the redeemable winnings voucher; facilitate the conversion of information comprising the redeemable winnings voucher into customer-useable value; and provide the customer-useable value to a customer.

Classes IPC  ?

• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 50/34 - Mises ou paris sportifs, p.ex. paris sur Internet

Abrégé

Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account. The system identifies a request to purchase an open loop prepaid gift account which can be used to make a purchase at a merchant, presents a menu from which a customer can select the merchant, and receives a selection. Based on the selection, the system presents an option to load funds onto the open loop prepaid gift account and, upon receipt of payment, creates the open loop prepaid gift account and loads the open loop prepaid gift account with money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card, and wherein merchant information is printed on the physical card according to an authorization from the merchant, the merchant information including at least one of a legal name, a trade name, a logotype, and a marketing tagline of the merchant.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

A computer-implemented method for providing a lottery game including providing a lottery ticket for purchase; processing a purchase of the lottery ticket, wherein the lottery ticket was part of a purchase transaction comprising at least one good or service and the lottery ticket; and communicating a result of a lottery game comprising the lottery ticket.

Classes IPC  ?

• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 50/34 - Mises ou paris sportifs, p.ex. paris sur Internet

Abrégé

A system and method for receiving a request convert a representation of value into a value token. The system receiving an indication of the specific purchasing activity. The system determining a geographic location of the specific purchasing activity. The system converting the representation of value into the value token. The system pausing providing the value token for a period of time based on the geographic location of the specific purchasing activity.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"

Produits et services

Providing temporary use of on-line non-downloadable computer software for the detection, prevention, mitigation and management of online fraud, and for prepaid card fraud detection; Software as a service (SAAS) featuring software for financial account protection, secure commercial transactions, and detection, prevention, mitigation and management of online fraud and prepaid card fraud; Software as a service (SAAS) featuring software for electronically monitoring, detecting and reporting suspicious and abnormal patterns of on-line transaction activity indicating theft, fraud, or other criminal activity, and providing authentication services in e-commerce transactions; Electronic monitoring of prepaid card activity to detect fraud via the internet

Abrégé

A system and method of transacting a prepaid non-fungible token with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid non-fungible tokens are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid non-fungible token information.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente

Abrégé

A system and method of transacting a prepaid non-fungible token with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid non-fungible tokens are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid non-fungible token infomiation.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet

Produits et services

Customer services, namely, responding to customers inquiries for others in the field of prepaid cards, namely, providing card balance, card activation, transaction history, activity reporting, alerts, and related information via telephone or other electronic means; providing a website featuring information in the nature of commercial financial transaction data, account management, financial reporting, accounting features and related reference information

Produits et services

providing customer service in the field of prepaid cards, namely, providing card balance, card activation, transaction history, activity reporting, alerts, and related information; providing a website featuring commercial financial transaction data, account management, financial reporting, accounting features and related reference information

Produits et services

Customer services, namely, responding to customers inquiries for others in the field of prepaid cards, namely, providing card balance, card activation, transaction history, activity reporting, alerts, and related information via telephone or other electronic means; providing a website featuring information in the nature of commercial financial transaction data, account management, financial reporting, accounting features and related reference information

Abrégé

Systems and methods are described for providing an enhanced rebate and marketing program which may automatically enroll a consumer in a loyalty programs after the consumer completes rebate form; filter consumer information to provide to customer relationship management campaigns; capture real-time consumer responses to queries; provide real-time and dynamic, targeted offers and other communications to consumers and recipients; and provide bonus added value to consumer received rebates.

Classes IPC  ?

• G06Q 30/00 - Commerce
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
• G06Q 30/0207 - Remises ou incitations, p.ex. coupons ou rabais
• G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p.ex. programmes de miles pour voyageurs fréquents ou systèmes de points
• G06Q 30/0234 - Rabais après un achat effectué
• G06Q 30/0251 - Publicités ciblées
• G06Q 30/0601 - Commerce électronique [e-commerce]
• G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme

Produits et services

providing customer service in the field of prepaid cards, namely, providing card balance, card activation, transaction history, activity reporting, alerts, and related information; providing a website featuring commercial financial transaction data, account management, financial reporting, accounting features and related reference information

Produits et services

Customer services, namely, responding to customers inquiries for others in the field of prepaid cards, namely, providing card balance, card activation, transaction history, activity reporting, alerts, and related information via telephone or other electronic means; providing a website featuring information in the nature of commercial financial transaction data, account management, financial reporting, accounting features and related reference information

Produits et services

issuing stored value cards

Abrégé

A system and method of transacting a prepaid product with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid products of multiple prepaid product providers are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid product information.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"

Produits et services

Magnetically encoded stored value cards, namely, gift cards

Produits et services

Magnetically encoded stored value cards, namely, gift cards

Abrégé

Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented method may include receiving anauthentication information of a proxy card, and associating the proxy card with an electronic wallet, wherein associating the proxy card with the electronic wallet allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A system may include a proxy card comprising authentication information, and an electronic wallet associated with the proxy card, wherein the association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A wallet redemption card may comprise a rewriteable magnetic stripe, a smart chip, a wireless communicator operably connected to the smart chip, and an interface operably connected between the rewriteable magnetic stripe and the smart chip.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06K 19/06 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques caractérisés par le genre de marque numérique, p.ex. forme, nature, code
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques

Produits et services

Promoting the sale of gift cards, prepaid debit cards, incentive cards, financial services cards and prepaid telecommunication cards and products of others through the distribution of printed materials and promotional contests; Promoting the goods of others by issuing coupons and rebates, namely, providing electronic coupons and rebates for the goods of others; Promoting the goods and services of others and providing customer loyalty services for others by providing an incentive awards program for customers and employees through the management, validation, fulfillment and processing of redemption-based promotions in the nature of rebate programs, gift-with-purchase programs, points-based incentive promotions, incentive award programs, and refer-a-friend promotions; providing administrative processing services of product rebates via a global computer network; providing incentive award programs for customers and employees through the distribution of prepaid purchase cards for the purpose of promoting and rewarding loyalty; business management of customer loyalty programs in which prepaid purchase cards are issued; providing customer loyalty services in the field of prepaid cards, namely, providing card balance and related information services for loyalty, commercial, promotional, and advertising purposes; promoting the reward, promotion, incentive, loyalty and engagement of others through the administration of incentive award programs using gift cards, rebate cards, membership cards, and loyalty cards; promoting employee, distributor, and customer reward and recognition, sales incentive, costs savings, and loyalty, frequency, rebate, and affinity programs for others, through the administering and conducting of incentive award programs involving the issuance of prepaid purchase cards, gift cards, merchandise, digital payments and checks, for the purpose of promoting and rewarding loyalty; marketing services in the fields of consumer, employee, loyalty and sales incentive award programs, namely, providing customized communication programs in the nature of loyalty promotions, web promotions, mobile promotions, and promotional communications; providing an Internet website portal featuring promotion of self-service consumer, employee, loyalty, and sales reward products and communication programs. Issuance of prepaid gift cards, debit cards, credit cards and remittance cards being stored value cards; issuing of vouchers for payment of goods and services of others; providing electronic processing of stored value card transactions and providing electronic payments via a global computer network; financial services, namely, providing on-line stored value accounts in an electronic environment; processing electronic payments for electronic stored value prepaid cards and issuing electronic stored value prepaid cards via consumers' emails, mobile devices, electronic wallets and other accounts allowing access to electronic stored value prepaid cards; financial services, namely, stored value prepaid card services in the nature of processing electronic payments made through prepaid cards, processing digital currency payments to third parties, electronic credit card and debit card transaction processing and providing on-line stored value accounts in an electronic environment; issuing stored value cards for use as electronic travel tickets; providing rebates at participating establishments of others through use of a membership card; value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce; Electronic payment services involving electronic processing and subsequent transmission of electronic payments to transfer value and value equivalents, namely, cash, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; facilitating cash withdrawals from and cash deposits to plastic cards, other access devices or accounts in the nature of electronic processing and subsequent transmission of cash withdrawals and cash deposits.

Produits et services

Promoting the sale of gift cards, prepaid debit cards, incentive cards, financial services cards and prepaid telecommunication cards and products of others through the distribution of printed materials and promotional contests; Promoting the goods of others by issuing coupons and rebates, namely, providing electronic coupons and rebates for the goods of others; Promoting the goods and services of others and providing customer loyalty services for others by providing an incentive awards program for customers and employees through the management, validation, fulfillment and processing of redemption-based promotions in the nature of rebate programs, gift-with-purchase programs, points-based incentive promotions, incentive award programs, and refer-a-friend promotions; providing administrative processing services of product rebates via a global computer network; providing incentive award programs for customers and employees through the distribution of prepaid purchase cards for the purpose of promoting and rewarding loyalty; business management of customer loyalty programs in which prepaid purchase cards are issued; providing customer loyalty services in the field of prepaid cards, namely, providing card balance and related information services for loyalty, commercial, promotional, and advertising purposes; promoting the reward, promotion, incentive, loyalty and engagement of others through the administration of incentive award programs using gift cards, rebate cards, membership cards, and loyalty cards; promoting employee, distributor, and customer reward and recognition, sales incentive, costs savings, and loyalty, frequency, rebate, and affinity programs for others, through the administering and conducting of incentive award programs involving the issuance of prepaid purchase cards, gift cards, merchandise, digital payments and checks, for the purpose of promoting and rewarding loyalty; marketing services in the fields of consumer, employee, loyalty and sales incentive award programs, namely, providing customized communication programs in the nature of loyalty promotions, web promotions, mobile promotions, and promotional communications; providing an Internet website portal featuring promotion of self-service consumer, employee, loyalty, and sales reward products and communication programs. Issuance of prepaid gift cards, debit cards, credit cards and remittance cards being stored value cards; issuing of vouchers for payment of goods and services of others; providing electronic processing of stored value card transactions and providing electronic payments via a global computer network; financial services, namely, providing on-line stored value accounts in an electronic environment; processing electronic payments for electronic stored value prepaid cards and issuing electronic stored value prepaid cards via consumers' emails, mobile devices, electronic wallets and other accounts allowing access to electronic stored value prepaid cards; financial services, namely, stored value prepaid card services in the nature of processing electronic payments made through prepaid cards, processing digital currency payments to third parties, electronic credit card and debit card transaction processing and providing on-line stored value accounts in an electronic environment; issuing stored value cards for use as electronic travel tickets; providing rebates at participating establishments of others through use of a membership card; value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce; Electronic payment services involving electronic processing and subsequent transmission of electronic payments to transfer value and value equivalents, namely, cash, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; facilitating cash withdrawals from and cash deposits to plastic cards, other access devices or accounts in the nature of electronic processing and subsequent transmission of cash withdrawals and cash deposits.

Produits et services

(1) Promoting the sale of gift cards, prepaid debit cards, incentive cards, financial services cards and prepaid telecommunication cards and products of others through the distribution of printed materials and promotional contests; Promoting the goods of others by issuing coupons and rebates, namely, providing electronic coupons and rebates for the goods of others; Promoting the goods and services of others and providing customer loyalty services for others by providing an incentive awards program for customers and employees through the management, validation, fulfillment and processing of redemption-based promotions in the nature of rebate programs, gift-with-purchase programs, points-based incentive promotions, incentive award programs, and refer-a-friend promotions; providing administrative processing services of product rebates via a global computer network; providing incentive award programs for customers and employees through the distribution of prepaid purchase cards for the purpose of promoting and rewarding loyalty; business management of customer loyalty programs in which prepaid purchase cards are issued; providing customer loyalty services in the field of prepaid cards, namely, providing card balance and related information services for loyalty, commercial, promotional, and advertising purposes; promoting the reward, promotion, incentive, loyalty and engagement of others through the administration of incentive award programs using gift cards, rebate cards, membership cards, and loyalty cards; promoting employee, distributor, and customer reward and recognition, sales incentive, costs savings, and loyalty, frequency, rebate, and affinity programs for others, through the administering and conducting of incentive award programs involving the issuance of prepaid purchase cards, gift cards, merchandise, digital payments and checks, for the purpose of promoting and rewarding loyalty; marketing services in the fields of consumer, employee, loyalty and sales incentive award programs, namely, providing customized communication programs in the nature of loyalty promotions, web promotions, mobile promotions, and promotional communications; providing an Internet website portal featuring promotion of self-service consumer, employee, loyalty, and sales reward products and communication programs. (2) Issuance of prepaid gift cards, debit cards, credit cards and remittance cards being stored value cards; issuing of vouchers for payment of goods and services of others; providing electronic processing of stored value card transactions and providing electronic payments via a global computer network; financial services, namely, providing on-line stored value accounts in an electronic environment; processing electronic payments for electronic stored value prepaid cards and issuing electronic stored value prepaid cards via consumers' emails, mobile devices, electronic wallets and other accounts allowing access to electronic stored value prepaid cards; financial services, namely, stored value prepaid card services in the nature of processing electronic payments made through prepaid cards, processing digital currency payments to third parties, electronic credit card and debit card transaction processing and providing on-line stored value accounts in an electronic environment; issuing stored value cards for use as electronic travel tickets; providing rebates at participating establishments of others through use of a membership card; value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce; Electronic payment services involving electronic processing and subsequent transmission of electronic payments to transfer value and value equivalents, namely, cash, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; facilitating cash withdrawals from and cash deposits to plastic cards, other access devices or accounts in the nature of electronic processing and subsequent transmission of cash withdrawals and cash deposits

Produits et services

(1) Promoting the sale of gift cards, prepaid debit cards, incentive cards, financial services cards and prepaid telecommunication cards and products of others through the distribution of printed materials and promotional contests; Promoting the goods of others by issuing coupons and rebates, namely, providing electronic coupons and rebates for the goods of others; Promoting the goods and services of others and providing customer loyalty services for others by providing an incentive awards program for customers and employees through the management, validation, fulfillment and processing of redemption-based promotions in the nature of rebate programs, gift-with-purchase programs, points-based incentive promotions, incentive award programs, and refer-a-friend promotions; providing administrative processing services of product rebates via a global computer network; providing incentive award programs for customers and employees through the distribution of prepaid purchase cards for the purpose of promoting and rewarding loyalty; business management of customer loyalty programs in which prepaid purchase cards are issued; providing customer loyalty services in the field of prepaid cards, namely, providing card balance and related information services for loyalty, commercial, promotional, and advertising purposes; promoting the reward, promotion, incentive, loyalty and engagement of others through the administration of incentive award programs using gift cards, rebate cards, membership cards, and loyalty cards; promoting employee, distributor, and customer reward and recognition, sales incentive, costs savings, and loyalty, frequency, rebate, and affinity programs for others, through the administering and conducting of incentive award programs involving the issuance of prepaid purchase cards, gift cards, merchandise, digital payments and checks, for the purpose of promoting and rewarding loyalty; marketing services in the fields of consumer, employee, loyalty and sales incentive award programs, namely, providing customized communication programs in the nature of loyalty promotions, web promotions, mobile promotions, and promotional communications; providing an Internet website portal featuring promotion of self-service consumer, employee, loyalty, and sales reward products and communication programs. (2) Issuance of prepaid gift cards, debit cards, credit cards and remittance cards being stored value cards; issuing of vouchers for payment of goods and services of others; providing electronic processing of stored value card transactions and providing electronic payments via a global computer network; financial services, namely, providing on-line stored value accounts in an electronic environment; processing electronic payments for electronic stored value prepaid cards and issuing electronic stored value prepaid cards via consumers' emails, mobile devices, electronic wallets and other accounts allowing access to electronic stored value prepaid cards; financial services, namely, stored value prepaid card services in the nature of processing electronic payments made through prepaid cards, processing digital currency payments to third parties, electronic credit card and debit card transaction processing and providing on-line stored value accounts in an electronic environment; issuing stored value cards for use as electronic travel tickets; providing rebates at participating establishments of others through use of a membership card; value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce; Electronic payment services involving electronic processing and subsequent transmission of electronic payments to transfer value and value equivalents, namely, cash, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; facilitating cash withdrawals from and cash deposits to plastic cards, other access devices or accounts in the nature of electronic processing and subsequent transmission of cash withdrawals and cash deposits.

Produits et services

Charitable services, namely, facilitating distribution of relief aid for government agencies and non-profit organizations via issuance of stored value cards.

Produits et services

(1) Charitable services, namely, facilitating distribution of relief aid for government agencies and non-profit organizations via issuance of stored value cards.

Produits et services

(1) Issuing pre-paid debit cards; issuing stored value cards; pre-paid purchase card services, namely, processing electronic payments made through prepaid cards.

Abrégé

A method implemented by a computer comprising collecting historical data for a plurality of items; categorizing each of the plurality of items; assigning at least one of the plurality of items as an index item for at least another of the plurality of items; collecting data for a plurality of context parameters related to at least one of the plurality of items; and forecasting a value for one of the plurality of items needed over a future period of time, wherein the method reduces a data storage capacity requirement for the computer and increases said computer's processing speed.

Classes IPC  ?

• G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
• G06F 16/28 - Bases de données caractérisées par leurs modèles, p.ex. des modèles relationnels ou objet

Abrégé

Systems and methods disclosed herein relate to the selection of planogram templates for display in retail stores and in online retail environments and the automatic selection, assignment, and monitoring of items assigned to locations in those templates. Additionally, planogram templates, product assortments, and assignments may be dynamically updated in real time based upon feedback and other factors.

Classes IPC  ?

• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation

Produits et services

Promoting the sale of gift cards, prepaid debit cards, incentive cards, financial services cards and prepaid telephone products and services of others.

Produits et services

(1) Promoting the sale of gift cards, prepaid debit cards, incentive cards, financial services cards and prepaid telephone products and services of others.

Abrégé

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.

Classes IPC  ?

• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Produits et services

(1) Issuing stored value cards.

Produits et services

Issuing stored value payment cards; issuing gift certificates and electronic gift certificates; issuing pre-paid vouchers for payment of goods and services of others; providing on-line stored value accounts in an electronic environment

Abrégé

A system and method of selling pre-printed lottery tickets for random draw lotteries through the retailers POS without the use of additional lottery hardware. Pre-printed lottery tickets allow a consumer to purchase a lottery ticket for a subsequently occurring draw by including that ticket in their shopping basket. The pre-printed lottery ticket may be purchased as any other common product through the point of sale terminal. No specialized hardware such as lottery terminal, printer or dispensing device is necessary.

Classes IPC  ?

• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 50/34 - Mises ou paris sportifs, p.ex. paris sur Internet

Abrégé

A computer-implemented method and system for facilitating user participation in a user configurable subscription lottery plan involving receiving information related to a user's selection of a user configurable subscription lottery device; determining validity of the information; updating one or more records associated with the user configurable subscription lottery device; allowing a user to access to the user configurable subscription lottery plan; providing options to the user for user configurable lottery-play criteria; and entering the user in one or more lotteries.

Classes IPC  ?

• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions

Produits et services

promoting the sale of gift cards, prepaid debit cards, incentive cards, financial services cards and prepaid telecommunication cards and products of others through the distribution of printed materials and promotional contests; Promoting the goods of others by issuing coupons and rebates, namely, providing electronic coupons and rebates for the goods of others; Promoting the goods and services of others and providing customer loyalty services for others by providing an incentive awards program for customers and employees through the management, validation, fulfillment and processing of redemption-based promotions in the nature of rebate programs, gift-with-purchase programs, points-based incentive promotions, incentive award programs, and refer-a-friend promotions; providing administrative processing services of product rebates via a global computer network; providing incentive award programs for customers and employees through the distribution of prepaid purchase cards for the purpose of promoting and rewarding loyalty; business management of customer loyalty programs in which prepaid purchase cards are issued; providing administration of a customer loyalty program in the field of prepaid cards, namely, providing promotional card balance and related loyalty card information services for loyalty, commercial, promotional, and advertising purposes; promoting the reward, promotion, incentive, loyalty and engagement of others, namely, promoting the sale of goods and services of others through the administration of incentive award programs using gift cards, rebate cards, membership cards, and loyalty cards; promoting employee, distributor, and customer reward and recognition, sales incentive, costs savings, and loyalty, frequency, rebate, and affinity programs for others, through the administering and conducting of incentive award programs involving the issuance of prepaid purchase cards, gift cards, merchandise, digital payments and checks, for the purpose of promoting and rewarding loyalty; marketing services in the fields of consumer, employee, loyalty and sales incentive award programs, namely, providing customized communication programs in the nature of loyalty advertising and promotional services, web advertising and promotional services, mobile advertising and promotional services; providing an Internet website portal featuring advertising and promotion of self-service consumer, employee, loyalty, and sales reward products and communication programs issuance of prepaid gift cards, debit cards, credit cards and remittance cards being stored value cards; issuing of pre-paid vouchers for payment of goods and services of others; providing electronic processing of stored value card transactions and providing electronic payments via a global computer network; financial services, namely, providing on-line stored value accounts in an electronic environment; processing electronic payments for electronic stored value prepaid cards and issuing electronic stored value prepaid cards via consumers' emails, mobile devices, electronic wallets and other accounts allowing access to electronic stored value prepaid cards; financial services, namely, stored value prepaid card services in the nature of processing electronic payments made through prepaid cards, processing digital currency payments to third parties, electronic credit card and debit card transaction processing and providing on-line stored value accounts in an electronic environment; issuing stored value cards for use as electronic travel tickets; providing rebates at participating establishments of others through use of a membership card; value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce; Electronic payment services involving electronic processing and subsequent transmission of electronic payments to transfer value and value equivalents, namely, cash, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; facilitating cash withdrawals from and cash deposits to plastic cards, other access devices or accounts in the nature of electronic processing and subsequent transmission of cash withdrawals and cash deposits

Produits et services

promoting the sale of gift cards, prepaid debit cards, incentive cards, financial services cards and prepaid telecommunication cards and products of others through the distribution of printed materials and promotional contests; Promoting the goods of others by issuing coupons and rebates, namely, providing electronic coupons and rebates for the goods of others; Promoting the goods and services of others and providing customer loyalty services for others by providing an incentive awards program for customers and employees through the management, validation, fulfillment and processing of redemption-based promotions in the nature of rebate programs, gift-with-purchase programs, points-based incentive promotions, incentive award programs, and refer-a-friend promotions; providing administrative processing services of product rebates via a global computer network; providing incentive award programs for customers and employees through the distribution of prepaid purchase cards for the purpose of promoting and rewarding loyalty; business management of customer loyalty programs in which prepaid purchase cards are issued; providing administration of a customer loyalty program in the field of prepaid cards, namely, providing promotional card balance and related loyalty card information services for loyalty, commercial, promotional, and advertising purposes; promoting the reward, promotion, incentive, loyalty and engagement of others, namely, promoting the sale of goods and services of others through the administration of incentive award programs using gift cards, rebate cards, membership cards, and loyalty cards; promoting employee, distributor, and customer reward and recognition, sales incentive, costs savings, and loyalty, frequency, rebate, and affinity programs for others, through the administering and conducting of incentive award programs involving the issuance of prepaid purchase cards, gift cards, merchandise, digital payments and checks, for the purpose of promoting and rewarding loyalty; marketing services in the fields of consumer, employee, loyalty and sales incentive award programs, namely, providing customized communication programs in the nature of loyalty advertising and promotional services, web advertising and promotional services, mobile advertising and promotional services; providing an Internet website portal featuring advertising and promotion of self-service consumer, employee, loyalty, and sales reward products and communication programs issuance of prepaid gift cards, debit cards, credit cards and remittance cards being stored value cards; issuing of pre-paid vouchers for payment of goods and services of others; providing electronic processing of stored value card transactions and providing electronic payments via a global computer network; financial services, namely, providing on-line stored value accounts in an electronic environment; processing electronic payments for electronic stored value prepaid cards and issuing electronic stored value prepaid cards via consumers' emails, mobile devices, electronic wallets and other accounts allowing access to electronic stored value prepaid cards; financial services, namely, stored value prepaid card services in the nature of processing electronic payments made through prepaid cards, processing digital currency payments to third parties, electronic credit card and debit card transaction processing and providing on-line stored value accounts in an electronic environment; issuing stored value cards for use as electronic travel tickets; providing rebates at participating establishments of others through use of a membership card; value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce; Electronic payment services involving electronic processing and subsequent transmission of electronic payments to transfer value and value equivalents, namely, cash, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; facilitating cash withdrawals from and cash deposits to plastic cards, other access devices or accounts in the nature of electronic processing and subsequent transmission of cash withdrawals and cash deposits

Produits et services

(1) Financial services, namely, providing on-line stored value accounts in an electronic environment

Abrégé

System and methods for managing value products such as stored value cards are provided. A computer-implemented system comprising: a first value product, wherein a first value product package identifier requires that all of the first value product's digital funds be redeemed in a single transaction; a second value product; and a specially programmed computer server, the methods and system allowing a user to use a portion of the first value product's digital funds in a first transaction and a remainder of the first value product's digital funds in one or more subsequent transactions.

Classes IPC  ?

• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account. The system identifies a request to purchase an open loop prepaid gift account which can be used to make a purchase at a merchant, presents a menu from which a customer can select the merchant, and receives a selection. Based on the selection, the system presents an option to load funds onto the open loop prepaid gift account and, upon receipt of payment, creates the open loop prepaid gift account and loads the open loop prepaid gift account with money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card, and wherein merchant information is printed on the physical card according to an authorization from the merchant, the merchant information including at least one of a legal name, a trade name, a logotype, and a marketing tagline of the merchant.

Classes IPC  ?

• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation

Abrégé

A computer implemented system and method for facilitating a consumer's purchase transaction via a merchant's foreign website utilizes a stored value card transformation computer to convert a stored value card to a different denomination for utilization in another country. An exchange computer retrieves a value rate to calculate the currency different and a time-limited quote is generated which may be transformed into active stored credit in the selected denomination.

Classes IPC  ?

• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Produits et services

charitable services, namely, facilitating distribution of relief aid for government agencies and non-profit organizations via issuance of stored value cards

Abrégé

Systems and methods for completing a transaction request via receiving payment at a point of sale comprising: a lottery ticket provider, wherein the lottery ticket provider is remote from an originating location of the transaction request and wherein the lottery ticket provider comprises: a processing device; a user device; a fulfillment computer device; a lottery ticket; and a lottery ticket approved sales location database.

Classes IPC  ?

• G06Q 50/34 - Mises ou paris sportifs, p.ex. paris sur Internet
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Systems and methods for completing a transaction request via receiving payment at a point of sale comprising: a lottery ticket provider, wherein the lottery ticket provider is remote from an originating location of the transaction request and wherein the lottery ticket provider comprises: a processing device; a user device; a fulfillment computer device; a lottery ticket; and a lottery ticket approved sales location database.

Classes IPC  ?

• G06Q 50/34 - Mises ou paris sportifs, p.ex. paris sur Internet
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Produits et services

issuing pre-paid debit cards; issuing stored value cards; pre-paid purchase card services, namely, processing electronic payments made through prepaid cards

Abrégé

Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account for a merchant without the merchant's consent. The system identifies a request from a customer to purchase the open loop prepaid gift account which can be used to make purchases at the merchant, presents a menu from which the customer can select the merchant, receives a selection of the merchant and, based on the selection, presents an option to load funds onto the open loop prepaid gift account. Upon receipt of payment, the system creates the open loop prepaid gift account and loads the open loop prepaid gift account with an amount of money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card. The system also prints on the physical card a statement suggesting that the customer can use the physical card to make purchases at the merchant.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation

Produits et services

Promoting the sale of gift cards, prepaid debit cards, incentive cards, financial services cards and prepaid telephone cards of others; Promoting the sale of the services of others by providing online gift cards, prepaid debit cards, incentive cards, financial services cards, and prepaid telephone cards

Abrégé

Systems and methods for completing a transaction request via receiving payment at a point of sale comprising: a lottery ticket provider, wherein the lottery ticket provider is remote from an originating location of the transaction request and wherein the lottery ticket provider comprises: a processing device; a user device; a fulfillment computer device; a lottery ticket; and a lottery ticket approved sales location database.

Classes IPC  ?

• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente

Abrégé

Methods, systems, and apparatus for the placement, retention, display, marketing, selection, removal, or combinations thereof, of a stored-value card. More specifically disclosed herein are systems, methods, and apparatus for the placement, retention, display, marketing, selection, removal, or combinations thereof, of a stored-value card associated with an offer for sale of the stored-value card, an advertisement of a stored-value card, a potential purchase by a customer of the stored-value card, or combinations thereof.

Classes IPC  ?

• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds

Abrégé

Systems and methods discussed herein relate to a system for detecting and preventing fraudulent transactions through collecting requests for website access, stored-card trades and sales, and transactions using physical or electronically issued credit, debit, stored-value, and other cards. The fraud detection system not only flags individual transactions, but is also configured to dynamically track and update banned/watch lists associated with request artifacts and cards in order to catch and prevent individual actors as well as BOTs, at least by adjusting the thresholds used to evaluate risk scores and what is placed on the banned/watch lists based upon requests received as well as information from financial institutions, merchants, government agencies, and watchdog groups. The system is also configured to provide information to those groups.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G09C 1/00 - Appareils ou méthodes au moyen desquels une suite donnée de signes, p.ex. un texte intelligible, est transformée en une suite de signes inintelligibles en transposant les signes ou groupes de signes ou en les remplaçant par d'autres suivant un systèm

Produits et services

Financial services, namely, providing on-line stored value accounts in an electronic environment

Abrégé

A method including receiving an activation request including an identifier uniquely identifying the pre-printed lottery ticket for a pre-printed lottery ticket from a point-of-sale terminal, accessing a record associated with the pre-printed lottery ticket, determining if the activation request is valid, determining a set of attributes associated with the pre-printed lottery ticket based upon the identifier uniquely identifying the pre-printed lottery ticket, determining a central gaming system responsible for administering a lottery with which the pre-printed lottery ticket is associated, and enrolling the set of attributes associated with the pre-printed lottery ticket in the lottery with the central gaming system.

Classes IPC  ?

• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 50/34 - Mises ou paris sportifs, p.ex. paris sur Internet

Abrégé

A transaction sequencer that comprises a processor, a non-transitory memory, and an application stored in the non-transitory memory. The application receives a message comprising information about a first purchase item, wherein the message was created by a point-of-sale after a filtering step that assured that the first purchase item is associated with a master approved item list, searches a plurality of different approved product lists using the information about the first item, wherein the plurality of different approved product lists comprise a first approved product list and a second approved product list, creates a first transaction based on finding the first item in the first approved product list, transmits the first transaction to a first transaction processing system, receives a first response from the first transaction processing system, bundles the first response in a unified response, and transmits the unified response.

Classes IPC  ?

• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A system and method of transacting a prepaid product with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid products of multiple prepaid product providers are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid product information.

Classes IPC  ?

• G06Q 30/00 - Commerce
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques

Produits et services

Electronic stored value card services involving electronic processing and subsequent transmission of electronic stored value cards to consumers or mobile devices or electronic wallets or other accounts allowing access to stored value cards; financial services, namely, stored value card services, processing digital currency payments to third parties, and electronic credit card and debit card transactions, providing on-line stored value accounts in an electronic environment; issuing stored value cards, e-tickets, coupons and issuing stored value cards for rebates; value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce, in International Class 36.

Produits et services

(1) Electronic stored value card services involving electronic processing and subsequent transmission of electronic stored value cards to consumers or mobile devices or electronic wallets or other accounts allowing access to stored value cards; financial services, namely, stored value card services, processing digital currency payments to third parties, and electronic credit card and debit card transactions, providing on-line stored value accounts in an electronic environment; issuing stored value cards, e-tickets, coupons and rebates; value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce.

Produits et services

Promoting the goods of others by issuing coupons and rebates, namely, providing electronic coupons and rebates for the goods of others Electronic stored value card services, namely, processing electronic payments for electronic stored value prepaid cards and issuing electronic stored value prepaid cards by transmitting the electronic stored value prepaid cards to consumers' emails, mobile devices, electronic wallets and other accounts allowing access to electronic stored value prepaid cards; financial services, namely, stored value prepaid card services in the nature of processing electronic payments made through prepaid cards, processing digital currency payments to third parties, electronic credit card and debit card transaction processing and providing on-line stored value accounts in an electronic environment; issuing stored value cards; issuing stored value cards for use as electronic travel tickets; issuing rebates, namely, providing rebates at participating establishments of others through use of a membership card; value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce

Abrégé

A method comprises receiving a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; prompting a user for credentials to enter the electronic wallet website; determining whether the stored-value card already exists in the electronic wallet; and adding the stored-value card to the electronic wallet. A system comprises a computer device to receive a request to add a stored-value card to an electronic wallet via interpreting an intelligent code which directs a user to a URL for an electronic wallet website; to prompt a user for credentials to enter the electronic wallet website, to determine possession of the stored-value card, to determine whether the stored-value card already exists in the electronic wallet, and to add the stored-value card to the electronic wallet.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques

Abrégé

An instant win lottery ticket dispensing system which utilizes a ticket dispenser located at an in-store check-out lane. A method for dispensing instant win lottery tickets comprising interpreting an identifier associated with an instant win lottery game at a point of sale and the interpretation of the identifier resulting in the dispensing of an instant win lottery ticket by a ticket dispenser located at in in-store check-out lane.

Classes IPC  ?

• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions

Abrégé

A system and method of transacting a prepaid product with an electronic mobile device that is used to electronically interface with a code, such as a QR code, bar code, RF signal or NFC signal, representing a prepaid product. The codes of multiple prepaid products of multiple prepaid product providers are grouped together on a single structure or in a single computer displayed in a shopping area. The electronic mobile device subsequently electronically interfaces with a point of sale device after electronically interfacing with said code to provide prepaid product information.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques

Abrégé

A device comprises: a receiver configured to receive a client certificate; a processor coupled to the receiver and configured to: authenticate the client certificate, extract, in response to the authentication, attributes from the client certificate, and create, in response to the extraction, a message comprising reformatted attributes based on the attributes, wherein the reformatted attributes can be trusted; and a transmitter coupled to the processor and configured to transmit the message. A device comprises: a processor configured to: process a client certificate comprising a certificate identifier (ID) attribute, a tenant ID attribute, and a role ID attribute, and package the client certificate in a request for a shared service; and a transmitter coupled to the processor and configured to transmit the request.

Classes IPC  ?

• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
• H04L 9/40 - Protocoles réseaux de sécurité

Abrégé

Methods, systems, and apparatus, including computer program products, in which a method includes attributing a value to a pre-paid payment instrument, determining an expiration time associated with the pre-paid payment instrument, and automatically return an un-used portion of value associated with the pre-paid payment instrument at the expiration time to the purchaser.

Classes IPC  ?

• G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
• G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A method implemented by a computer comprising collecting historical data for a plurality of items; categorizing each of the plurality of items; assigning at least one of the plurality of items as an index item for at least another of the plurality of items; collecting data for a plurality of context parameters related to at least one of the plurality of items; and forecasting a value for one of the plurality of items needed over a future period of time, wherein the method reduces a data storage capacity requirement for the computer and increases said computer's processing speed.

Classes IPC  ?

• G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
• G06F 16/28 - Bases de données caractérisées par leurs modèles, p.ex. des modèles relationnels ou objet

Abrégé

Systems and methods are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.

Classes IPC  ?

• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme

Abrégé

A greeting card stored-value card combinations and methods of forming said combinations are provided. In one embodiment, these combinations include a greeting card comprising means for affixing a stored-value card thereto. These combinations also include a stored-value card affixed to the greeting card. A single identifier, such as a Stock-Keeping Unit (SKU) or a Universal Product Code (UPC), is assigned to the bundle that uniquely identifies the bundled greeting card and stored-value card. The single identifier provides identification means allowing the stored-value card to be activated. A single capture of the single identifier enables the customer to both purchase the greeting card stored-value card combination product as well as to activate the store-value card.

Classes IPC  ?

• G06Q 30/00 - Commerce
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
• G06K 19/06 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques caractérisés par le genre de marque numérique, p.ex. forme, nature, code
• G06K 19/077 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré - Détails de structure, p.ex. montage de circuits dans le support
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré

Produits et services

(1) Issuing stored value cards.

Abrégé

Systems and methods discussed herein relate to an Open Payment Network that allows a plurality of retailers to provide goods and services to users of applications including e-wallets and allows the users to pay for purchases using currency including digital currency earned as credits, points, or other rewards as well as traditional bank-backed currency in the form of cash, credit, or debit. In addition, a user who has registered for the system through a profile or using an individual application or applications can query the system and obtain a quote to determine how much value currency from a variety of sources (e.g., applications) has towards the purchase of a particular good or service at a real or virtual retail location.

Classes IPC  ?

• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 20/08 - Architectures de paiement

Abrégé

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.

Classes IPC  ?

• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Produits et services

Issuance of prepaid gift cards, debit cards, credit cards and remittance cards being stored value cards; issuing stored value cards; issuing of vouchers for payment of goods and services of others; providing electronic processing of stored value card transactions and providing electronic payments via a global computer network; financial services, namely, providing on-line stored value accounts in an electronic environment

Produits et services

Electronic processing and transmission of electronic payments to transfer value and value equivalents, namely, cash, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; and financial services, namely, facilitating electronic funds transfer, value transfer and value equivalent transfer, namely, points, minutes, and credits to plastic cards, other access devices or accounts from other plastic cards, other access devices or accounts; financial services, namely, money transfer services, electronic funds transfer services, bill payment services, processing digital currency payments to third parties, and electronic credit card and debit card transactions, facilitating cash withdrawals from and cash deposits to plastic cards, other access devices or accounts; and value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce.

Produits et services

(1) Electronic processing and transmission of electronic payments to transfer value and value equivalents, namely, cash, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; and financial services, namely, facilitating electronic funds transfer, value transfer and value equivalent transfer, namely, points, minutes, and credits to plastic cards, other access devices or accounts from other plastic cards, other access devices or accounts; financial services, namely, money transfer services, electronic funds transfer services, bill payment services, processing digital currency payments to third parties, and electronic credit card and debit card transactions, facilitating cash withdrawals from and cash deposits to plastic cards, other access devices or accounts; and value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce.

Abrégé

A system for converting a redeemable winnings voucher into customer-useable value comprising: a processor comprising a computer-readable medium storing mobile point of sale application instructions configured to cause the processor, upon execution of the instructions to: receive a request, wherein the request comprises the redeemable winnings voucher; validate the redeemable winnings voucher; receive a confirmation of an amount of customer-useable value associated with the redeemable winnings voucher; facilitate the conversion of information comprising the redeemable winnings voucher into customer-useable value; and provide the customer-useable value to a customer.

Classes IPC  ?

• A63F 9/24 - Jeux utilisant des circuits électroniques, non prévus ailleurs
• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 50/34 - Mises ou paris sportifs, p.ex. paris sur Internet

Produits et services

Advertising services, namely, promoting the gift cards, goods, and services of others; promotional services, namely, promoting the goods and services of others by providing online gift cards, stored value cards, rebates, coupons, discount cards and customer rewards; issuing online gift cards which may then be redeemed for goods or services; all of the aforesaid services for use in the electronic gaming industry; none of the aforementioned being in respect of banking products and services other than gift card, voucher and code products and services.

Produits et services

(1) Issuing stored value cards.

Produits et services

Advertising services, namely, promoting the gift cards, goods, and services of others; promotional services, namely, promoting the goods and services of others by providing online gift cards, stored value cards, rebates, coupons, discount cards and customer rewards; issuing online gift cards which may then be redeemed for goods or services; all of the aforesaid services for use in the electronic gaming industry; none of the aforementioned being in respect of banking products and services other than gift card, voucher and code products and services.

Produits et services

Advertising services, namely, promoting the gift cards, goods, and services of others; promotional services, namely, promoting the goods and services of others by providing online gift cards, stored value cards, rebates, coupons, discount cards and customer rewards; issuing online gift cards which may then be redeemed for goods or services; all of the aforesaid services for use in the electronic gaming industry.

Abrégé

A computer-implemented method and system for facilitating user participation in a user configurable subscription lottery plan involving receiving information related to a user's selection of a user configurable subscription lottery device; determining validity of the information; updating one or more records associated with the user configurable subscription lottery device; allowing a user to access to the user configurable subscription lottery plan; providing options to the user for user configurable lottery-play criteria; and entering the user in one or more lotteries.

Classes IPC  ?

• G06Q 50/34 - Mises ou paris sportifs, p.ex. paris sur Internet
• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions

Abrégé

A computer-implemented method and system for facilitating user participation in a user configurable subscription lottery plan involving receiving information related to a user's selection of a user configurable subscription lottery device; determining validity of the information; updating one or more records associated with the user configurable subscription lottery device; allowing a user to access to the user configurable subscription lottery plan; providing options to the user for user configurable lottery-play criteria; and entering the user in one or more lotteries.

Classes IPC  ?

• G06Q 50/34 - Mises ou paris sportifs, p.ex. paris sur Internet
• G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions

Produits et services

Issuing stored value cards

Abrégé

A method for allowing a purchaser to purchase an electronic gift includes providing code to a merchant that, when selected opens an overlay on the merchant's website, with the code being selected in association with at least one item available for sale on the website. The purchaser provides recipient and billing information using a device accessing he overlay. A service provider receives payment, in an amount at least equal to a purchase price of the item, and obtains an electronic gift card having at least a unique gift card number and a balance at least equal to the purchase price of the item. After the electronic gift card has been obtained, the service provider electronically notifies the recipient that the electronic gift has been purchased by the purchaser. The notification is viewable by the recipient and includes at least an identification of the item.

Classes IPC  ?

• G06Q 30/00 - Commerce
• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

A computer-implemented method for evaluating personnel engagement. The method may include distributing engagement surveys to a plurality of persons associated with an organization, analyzing the engagement surveys in real-time to obtain one or more engagement survey results, and reporting the engagement survey results in real-time. Also, a system for evaluating personnel engagement. The system may comprise a personnel assessment computer. The personnel assessment computer configured to distribute engagement surveys to a plurality of persons associated with an organization, analyze the engagement surveys in real-time to obtain one or more engagement survey results, and report the engagement survey results in real-time.

Classes IPC  ?

• G06Q 10/10 - Bureautique; Gestion du temps
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation

Abrégé

A financial account system includes a stored-value card, a first financial account directly accessible via the stored-value card and a second financial account associated with the first financial account. Funds may be transferred between the first and the second financial account. The transfers between the first and the second financial account may be automatic, recurring, or one-time events and wherein the automatic, recurring, or one-time events may be transacted regardless of a current balance of the first financial account and/or the second financial account. The balances associated with the first and/or the second financial accounts may be used to collateralize loans.

Classes IPC  ?

• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
• G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Produits et services

Electronic processing and transmission of electronic payments to transfer value and value equivalents, namely, cash, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; and financial services, namely, facilitating electronic funds transfer, value transfer and value equivalent transfer, namely, points, minutes, and credits to plastic cards, other access devices or accounts from other plastic cards, other access devices or accounts; financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automated clearing house transaction processing services, processing digital currency payments to third parties, and electronic credit card and debit card transactions, facilitating cash withdrawals from and cash deposits to plastic cards, other access devices or accounts; and value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce.

Produits et services

(1) Electronic processing and transmission of electronic payments to transfer value and value equivalents, namely, cash, points, minutes, and credits, to prepaid cards or mobile devices or accounts from other prepaid cards or mobile devices or accounts; and financial services, namely, facilitating electronic funds transfer, value transfer and value equivalent transfer, namely, points, minutes, and credits to plastic cards, other access devices or accounts from other plastic cards, other access devices or accounts; financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automated clearing house transaction processing services, processing digital currency payments to third parties, and electronic credit card and debit card transactions, facilitating cash withdrawals from and cash deposits to plastic cards, other access devices or accounts; and value exchange services, namely, secure electronic cash transactions to facilitate electronic commerce.

Produits et services

(1) Issuing stored value cards.

Abrégé

Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account. The system identifies a request to purchase an open loop prepaid gift account which can be used to make a purchase at a merchant, presents a menu from which a customer can select the merchant, and receives a selection. Based on the selection, the system presents an option to load funds onto the open loop prepaid gift account and, upon receipt of payment, creates the open loop prepaid gift account and loads the open loop prepaid gift account with money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card, and wherein merchant information is printed on the physical card according to an authorization from the merchant, the merchant information including at least one of a legal name, a trade name, a logotype, and a marketing tagline of the merchant.

Classes IPC  ?

• G06Q 40/08 - Assurance
• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Produits et services

Promotional services, namely, promoting the goods and services of others by means of providing stored value gift cards, namely, providing stored value gift cards where all or a portion of the proceeds directly support charitable causes