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.
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
2.
SYSTEMS AND METHODS FOR COMPLETING A REMOTE LOTTERY TICKET SALES TRANSACTION VIA RECEIVING PAYMENT AT A POINT OF SALE
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.
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
3.
PRE-PRINTED AND PRE-SELECTED LOTTERY TICKETS FOR POINT-OF-SALE PURCHASE
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.
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
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.
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.
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
6.
SYSTEM AND METHOD FOR FACILITATING A PURCHASE TRANSACTION VIA A MERCHANT'S FOREIGN WEBSITE
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.
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"
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
7.
COMPUTER-BASED DATA COLLECTION, MANAGEMENT, AND FORECASTING
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.
G06Q 10/04 - Prévision ou optimisation spécialement adaptées à des fins administratives ou de gestion, p. ex. programmation linéaire ou "problème d’optimisation des stocks"
G06Q 10/087 - Gestion d’inventaires ou de stocks, p.ex. exécution des commandes, approvisionnement ou régularisation par rapport aux commandes
G06Q 30/0202 - Prédictions ou prévisions du marché pour les activités commerciales
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.
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.
10.
SYSTEMS AND METHODS FOR DYNAMICALLY DETECTING AND PREVENTING CONSUMER FRAUD
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.
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 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
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.
G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
G06Q 10/04 - Prévision ou optimisation spécialement adaptées à des fins administratives ou de gestion, p. ex. programmation linéaire ou "problème d’optimisation des stocks"
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.
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
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.
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
An apparatus that comprises: a receiver configured to receive a request for a service; a processor coupled to the receiver and configured to: obtain data associated with the request, process the data, determine parameters based on the data, and perform a risk evaluation based on the parameters; and a transmitter coupled to the processor and configured to transmit a response to the request, wherein the response is based on the risk evaluation. A method that comprises: receiving a request for an electronic financial service; obtaining data associated with the request; determining parameters based on the data; calculating a risk score based on the parameters; and sending a response to the request based on the risk score.
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.
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
16.
SYSTEM AND METHOD FOR SELECTING, DISTRIBUTING, REDEEMING, AND RECONCILING DIGITAL OFFERS
A method of generating and executing offers and rewards to cardholders and/or program participants where an Offer Platform receives a request to create an offer to associate a value token with a financial institution, determines a list of available offers for qualifying cardholders, and tracks when offers are received and executed by the cardholders. The Offer Platform may work in conjunction with financial institutions and vendors to provide these services, and the determination of available offers and qualifying cardholders may be made based upon information provided by these entities regarding consumer products and goods/services.
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.
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
H04L 12/66 - Dispositions pour la connexion entre des réseaux ayant différents types de systèmes de commutation, p.ex. passerelles
18.
A SYSTEM FOR PROCESSING, ACTIVATING AND REDEEMING VALUE ADDED PREPAID CARDS
A computer implemented method for adding value to a stored value card in excess of the purchase price for the stored value card is provided. In one embodiment a stored value card transaction processor receives an activation or redemption request for a stored value card from a point of sale terminal. The activation or redemption request comprises at least one of a card identification, a point of sale terminal identification, a merchant identification, and a time of activation which is compared to data stored in a stored value card datastore to determine if the stored value card to be activated is eligible for a value added award. The processor then determines the value added award and modifies the request to include the value added award. The processor then transmits the modified request to the card issuer authorization system and receives a response which is forwarded to the point of sale terminal.
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
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
19.
A SYSTEM FOR PROCESSING, ACTIVATING AND REDEEMING VALUE ADDED PREPAID CARDS
A computer implemented method for adding value to a stored value card in excess of the purchase price for the stored value card is provided. In one embodiment a stored value card transaction processor receives an activation or redemption request for a stored value card from a point of sale teiminal. The activation or redernption request comprises at least one of a card identification, a point of sale terminal identification, a rnerchant identification, and a time of activation which is compared to data stored in a stored value card datastore to determine if the stored value card to be activated is eligible for a value added award. The processor then determines the value added award and modifies the request to include the value added award. The processor then transmits the modified request to the card issuer authorization system and receives a rcsponse which is forwarded to the point of sale terminal.
G06Q 30/0207 - Remises ou incitations, p.ex. coupons ou rabais
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
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
20.
SYSTEMS AND METHODS FOR PROXY CARD AND/OR WALLET REDEMPTION CARD TRANSACTIONS
Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented rnethod may include receiving an authentication inforrnation 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 rnay 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.
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
21.
SYSTEMS AND METHODS FOR PROXY CARD AND/OR WALLET REDEMPTION CARD TRANSACTIONS
Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented method may include receiving an authentication 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.
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
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
= A system may include a computer device of a provider of a security code of an electronic stored- value card, the computer device to receive a request for a security code of the electronic stored- value card, to calculate the security code, to provide the calculated security code in response to the request for a security code, and to eliminate the calculated security code from the computer device.
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 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
A system may include a computer device of a provider of a security code of an electronic stored- value card, the computer device to receive a request for a security code of the electronic stored- value card, to calculate the security code, to provide the calculated security code in response to the request for a security code, and to eliminate the calculated security code from the computer devic e.
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.
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
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
25.
METHOD FOR USING INTELLIGENT CODES IN CONJUNCTION WITH STORED-VALUE CARDS
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.
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
26.
CARD PRODUCT PACKAGE ASSEMBLY HAVING ENHANCED SECURITY
A package for display and sale of a card product comprising a first portion including a first panel connected to a second panel via a first fold line and a third panel connected to the second panel via a second fold line, the first panel including a first opening, the third panel including a second opening, which, in a folded state where the first panel has been folded to overlap the second panel via the first fold line and the second panel has been folded to overlap the third panel via a second fold line and the fourth panel has been folded to overlap the third panel via the third fold line, the first opening at least partially overlaps the second opening, a second portion foldably connected to the first portion, wherein the second portion displays information about the card product, a first fastener, and a second fastener releasably attached to the first fastener when the first portion and the second portion are in a closed position, wherein the first fastener and the second fastener re-attachably separate from one another when the first portion and the second portion are in an open position.
B65D 5/50 - Parties insérées dans le réceptacle, qui en font partie intégrante ou qui lui sont fixées pour former des garnitures intérieures ou extérieures Éléments internes de support ou de protection du contenu
27.
SYSTEM AND METHOD OF REGISTERING STORED-VALUE CARDS INTO ELECTRONIC WALLETS
System and methods for using an electronic stored-value card are provided. A system comprises an electronic stored-value card, and a digital sticker associated with the electronic stored-value card. The digital sticker is configured to convey transaction information of the electronic storedvalue card to a processor or an issuer of the electronic stored-value card. A computer implemented method comprises associating a digital sticker with an electronic stored-value card, and conveying a transaction information of the electronic stored-value card to a processor or an issuer of the electronic stored-value card. A system comprises a memory configured to display information about a stored-value card and to initiate a registration of the stored-value card into an electronic wallet.
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
A method includes receiving a request to process, against an electronic wallet, a portion of a transaction, an electronic wallet optionally comprising a sub-wallet, the transaction processed against the wallet and/or sub-wallet. The method further includes identifying one or more electronic value tokens in the e-wallet and/or sub-wallet that, when used together, will cover the portion of the transaction. The method further includes applying the electronic value tokens to the portion of the transaction.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
A method includes receiving a request to process, against an electronic wallet, a portion of a transaction, an electronic wallet optionally comprising a sub-wallet, the transaction processed against the wallet and/or sub-wallet. The method further includes identifying one or more electronic value tokens in the e-wallet and/or sub-wallet that, when used together, will cover the portion of the transaction. The method further includes applying the electronic value tokens to the portion of the transaction.
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
30.
SYSTEMS AND METHODS FOR PROVIDING A TRANSACTION CARD PACKAGE ASSEMBLY INCLUDING SAMPLE PRODUCT OR SERVICE
A transaction card package assernbly comprising at least one transaction card, at least one sample product, and a card holder, and methods and system for processing the same.
A transaction card package assembly comprising at least one transaction card, at least one sample product, and a card holder, and methods and system for processing the same.
G06Q 30/0207 - Remises ou incitations, p.ex. coupons ou rabais
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
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
G06K 19/00 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques
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.
A method comprising receiving a security profile configurable by a card party, storing the security profile in a database, receiving a transaction request to activate a transaction card, determining whether the transaction request satisfies the security profile's one or more requirements.
G06K 19/00 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques
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
A method includes receiving a stored-value card transaction request from an access point. The stored-value card transaction request is associated with a package identification number, and the package identification number is associated with a plurality of stored-value cards. The method further includes generating a plurality of children transaction requests based on the stored-value card transaction request. The method further includes sending at least one of the plurality of children transaction requests to a first card party. The method further includes sending at least another of the plurality of children transaction requests to a second card party. The second card party may be the same or different from the first card party.
A method comprising receiving a security profile configurable by a card party, storing the security profile in a database, receiving a transaction request to activate a transaction card, determining whether the transaction request satisfies the security profile's one or more requirements.
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
A method includes receiving a stored-value card transaction request from an access point. The stored-value card transaction request is associated with a package identification number, and the package identification number is associated with a plurality of stored-value cards. The method further includes generating a plurality of children transaction requests based on the stored-value card transaction request. The method further includes sending at least one of the plurality of children transaction requests to a first card party. The method further includes sending at least another of the plurality of children transaction requests to a second card party. The second card party may be the same or different from the first card party.
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
H04L 12/16 - Dispositions pour la fourniture de services particuliers aux abonnés
37.
A SYSTEM FOR PROCESSING, ACTIVATING AND REDEEMING VALUE ADDED PREPAID CARDS
A computer implemented method for adding value to stored value cards in excess of the purchase price for the stored value card Is provided. In one embodiment a stored value card transaction processor receives an activation or redemption request for a stored value card from a point of sale terminal. The activation or redemption request comprises at least one of a card identification, a point of sale terminal identification, a merchant identification, and a time of activation which is compared to data stored in a stored value card datastore to determine if the stored value card to be activated is eligible for a value added award. The processor then determines the value added award and modifies the request to include the value added award. The processor then transmits the modified request to the card issuer authorization system and receives a response which is forwarded to the point of sale terminal.
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
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
38.
SYSTEM FOR PACKAGING, PROCESSING, AND ACTIVATING A BUNDLED GREETING AND GIFT CARD
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.
A system and method for implementing a program such as a loyalty program. An account (e.g., card) system includes a plurality of participating account holders (e.g., cardholders) of an issuer, a plurality of non-participating account holders (e.g., cardholders) of the issuer and of other issuers, a plurality of non-preferred merchants of the issuer and of other issuers and a plurality of preferred merchants of the issuer. A filter is used to evaluate transactions to identify qualifying program transactions involving both a participating account holders (e.g., cardholders) of the issuer and a preferred merchant of the issuer. Rebates are provided for identified, qualifying program transactions.
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
A package is configured to hold an information carrying card. The package includes a first panel connected to a second panel via a first fold line. The first panel includes a first opening. A third panel is connected to the second panel via a second fold line, the third panel includes a second opening. In a state where the first panel has been folded to overlap the second panel via the first fold line and the second panel has been folded to overlap the third panel via the second fold line, the first opening at least partially overlaps the second opening. The package may include a card on which data is stored. The data is exposed through the first and second opening to an environment outside the package.
A client selects several merchants with whom the card may be redeemed, the amount redeemable, and a design for printing on the card which is personalized for the card recipient.
G06K 19/00 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques
B42D 25/00 - Cartes ou structures de type feuille portant des informations caractérisées par leurs éléments d’identification ou de sécurité; Leur fabrication
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
A transaction card package assembly comprising a transaction card and a card holder, wherein the package assembly further comprises at least three unique identifiers thereon such that the transaction card may be activated at a point of sale by either a one-step or two-step activation process.
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
A45C 11/00 - Récipients pour articles non prévus dans les groupes
B65D 27/00 - Enveloppes ou réceptacles flexibles similaires essentiellement rectangulaires, pour la poste ou d'autres emplois, dont la structure ne prévoit pas un contenu en épaisseur
43.
TRANSACTION CARD PACKAGE ASSEMBLY HAVING ENHANCED SECURITY
A transaction card package assembly comprising a transaction card held by a card holder and having a security code spanning the transaction card and the card holder such that upon removal of the transaction card from the card holder, the security code is broken and a portion of the security code remains on the transaction card and a portion of the security code remains on the card holder. A transaction card package assembly comprising a transaction card connected to a first panel via a releasable interface, wherein the first panel is affixed to a second panel such that upon releasing the interface, the first panel remains affixed to the second panel and the transaction card is released from the package assembly.
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
A45C 11/00 - Récipients pour articles non prévus dans les groupes
B65D 27/00 - Enveloppes ou réceptacles flexibles similaires essentiellement rectangulaires, pour la poste ou d'autres emplois, dont la structure ne prévoit pas un contenu en épaisseur
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