155 results about "Charge card" patented technology

A known charge card billing system communicates with an investment broker system, wherein the investment broker system includes an instruction arrangement database, payment hierarchy and an investment account. An interested cardholder suitably appoints the charge card administrator as a processing agent to collect and promptly remit the cardholder's voluntary, periodic payments for investment into preselected investment products, such as, for example, mutual fund shares, fixed annuities, variable annuities, CDs, insurance, certificates, equities and / or the like. The billing system distributes a billing statement at the end of each month, wherein the statement includes all of the charges for that month and a reminder to remit an additional dollar amount for the preselected investments. The cardholder then sends a single payment for the charges and the investments to the charge card administrator. After receiving the payment, the system appropriately unbundles the payment and distributes the remitted payment to the card account to satisfy the captured financial events and to the investment broker system for the purchase of investment products.

A revenue-producing, charge card system also manages account balances to create an investment profit for the card holder. A trust account has a trust-account balance reflecting a first amount of funds, is constructed to subsequently record debits and credits related to the balance, and is constructed for access via remote communication. A bank account has a bank-account balance reflecting an initial zero balance, is constructed to further record debits and credits related to the balance, and is constructed for access via remote communication. A debit card is constructed for communication with the trust account and the bank account, and a switch is in communication with the trust account and bank account. The trust account and the bank account are constructed for intercommunication via the switch so that a card user can pass debits and credits to the trust account through the bank account so that the funds of the trust account can be managed via the trust account. There are also methods of producing revenue thorough a charge card, a revenue-producing machine for users who have bank accounts, and a revenue-producing, debit-card system for a user who has a bank account that is connected to a trust-like structure combined with a debit card connected to the trust-like structure. In addition, there is a controller, for a networked trust account and a networked bank account that are capable of communicating via a network, that maximizes revenue to the holder of both accounts, and a corresponding method. In addition, there is a principal-protected, revenue-producing investment system, an international financial system, and a method of providing an alternative international fiduciary financial system.

A system for charging batteries of electric vehicles from public fixtures such as street lights and parking meters includes modifying the fixture to convert it to a vehicle battery charging station using a power interface module having a novel keyed electrical power output receptacle connectable to power mains powering the fixture. The system includes a complementarily coded, keyed plug which must be inserted into the power output receptacle to access electrical power from the receptacle, the plug being located at the input end of vehicle charger cable terminated at output end thereof by a vehicle-mounted charge control system which will actuate a charging current contactor permitting charging current to flow from the receptacle to batteries within the vehicle only if a pre-paid charge authorization payment device, such as a magnetically or electronically encoded charge card is inserted into a charger station access enable device such as card reader mounted in the vehicle.

Virtually fraud-proof authentication for wireless mobile financial transactions. A mobile telephone, genius card or dongle may capture multiple biometrics, such as fingerprint, voiceprint, retinal recognition data, facial biometric data, ear biometric data and bio print, iris scanning data, pupil movement recognition data, and send segments of each of them to a server computer that re-constitutes them and stores them for matching during an attempted financial transaction. A purchasing individual has multiple biometrics read by separate readers integrated into a single hand-held device. An automatic process of the server computer has previously sent a command packet to the hand-held device defining percentage and portion of each biometric to select and the sequence and channel of transmission for matching along with other out of band security data. During the charging phase, the hand-held device may utilize a slidable antenna for swiping a magnetic strip of a charge card reader or may display credit card data for a limited amount of time.

A method and system is described herein to summarize and present charge-card transactions through one or more maps linked to charge-card billing statements. In addition to a conventional tabular transaction list, the invented system provides charge-card transaction maps, which display the physical location of points-of-charges geo-referenced to a map. Transactions are listed individually and / or are summarized by the number of transactions, the timing of transactions, the amount of transactions, the transactions categories, local-area and none-local-area transactions, sensitive transactions, geographic unit, or any combination thereof. The method and system integrates database and geographic information system technology with a rule system.

A system and method for activating and funding prepaid cards at the point of sale by making innovative use of existing point-of-sale devices and existing credit / debit card acceptance networks and processes. The invention obviates the need to implement new / different technology at point-of-sale terminals that are widely used at retail outlets. This invention makes use of the existing credit and charge card systems and processes, including industry standard message formats, to settle funds and fees between the seller and the issuer of the prepaid card, thus further reducing the expense and time-to-market for product distribution.

The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.

A novel charge card is a combined debit and credit card. The customer is offered an election of a credit feature or of debit feature. If debit is selected, the customer enters a personal identifier (e.g., a PIN). In the further transaction, the novel process investigates the authorization request to determine whether or not a PIN field contains a PIN value or any field or field entry that may indicate that a “personal identification indicator” was entered at the point of sale. If a personal identifier is present, the transaction is authorized against the available balance in the customer's debit (e.g., checking) account. If the PIN is absent, the transaction is authorized against the available credit on a connected line of credit. In an alternative implementation, the customer is offered an election of a credit feature or of debit feature. In both selections, the customer enters a personal identifier. In the further transaction, the novel process investigates the authorization request to determine whether or not the PIN field contains a value indicating that an identifier was entered at the point of sale. If a PIN is present, the payment authorization message is further investigated to determine whether the “Credit” option or “Debit” option was selected. If “Debit” was selected, the transaction is authorized against the available balance in the customer's debit (e.g., checking) account. If “Credit” was selected, or if the PIN is absent, the transaction is authorized against the available credit on a connected line of credit.

A method and apparatus are provided for a no pre-set spending limit transaction card with features and attributes of both a credit card and a charge card, including an overlimit spend feature and an associated communicated line of credit. The transaction card may carry a balance like a credit card and may require that a card user pay down the balance carried forward to the line of credit subsequent to the end of each billing cycle. When the user has reached or exceeded the communicated line of credit, each subsequent transaction request for a new transaction by the user is evaluated on a case-by-case basis by a process that includes execution an overlimit spend authorization logic or process.

An electronic fund transfer system that provides vital marketing information to participating merchants and purchasing records to customers while offering the most efficient and effective system to deliver the best terms and conditions for the products and services requested by customers. The system includes an electronic funds transfer card that can be used as a debit or charge card to purchase goods and services. At checkout, the system operates invisibly to the consumer and the cashier. Approval of the transaction operates similarly to a conventional debit card or credit card. All discounts are managed by the data clearinghouse which receives consumer data and merchant data. The clearinghouse communicates with the financial institution and forwards a statement which displays the accumulated discounts to the consumer.

A smartphone case, or mobile telephone case, includes an upper part configured to at least partly cover a rear and sides of an upper portion of a mobile telephone and a lower part configured to at least partly cover a rear and sides of a lower portion of the smartphone. The case is formed with a pocket into which a card (e.g., a credit card, ID, etc.) may be placed for carrying and storage, and with a slot into which the card may be inserted so that the card becomes a support leg that supports the telephone similarly to a horizontal or vertical stand.

A method includes receiving a payment object for payment of a certain amount owed by a first party to a second party. The payment object carries sufficient account information for the payment from an account associated with the payment object. The second party communicates the account information from the payment object and an identification of the second party for receipt by a third party; and receives in return data that is indicative of a gratuity to be charged against the account. The second party prints a document that includes the certain amount owed and the gratuity, as indicated by the data received by the second party, and presents the document for signature by the first party. The printed document preferably includes the total of the amount owed and the gratuity. The payment object may be a credit card, charge card, debit card, rebate card, or stored-value card.

A bill payment system, in a presently preferred embodiment, includes a system having an agent for initiating a request to make a payment to a payee from a funds account, verifying there are sufficient funds in the account to make the payment, transferring the selected amount from the funds account to a charge card account, paying the payee from the charge card account, and applying an incentive award for the charge amount. The agent will also open and configure a payee profile for the funds account if there is a new payee, and prompt the customer for a reduced payment if the funds account does not have sufficient funds to make the requested payment. The agent additionally prompts the customer for new services based on predetermined parameters. The agent can be a human agent, an intelligent program, or combination of the two working together. Thus, bill payment can be performed by a single rewarding telephone call to an agent who assists the customer through the process, or by an online transaction, at the customer's preference.

Methods, apparatuses, non-transitory computer program products, systems, and mobile terminal devices are disclosed for performing wireless financial transactions which separate an account identification and transaction authorization from a single charge card into two separate elements, which include at least an encrypted account identifier and a transaction-adaptive, context sensitive, dynamically content-rich, transaction authorization.

The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.

An implementation enabling an owner of a charge card to limit purchases made with the charge card comprising an implementation enabling the owner of a charge card to limit purchases made with the charge card to purchases of either owner defined types of goods and / or owner defined geographical areas, and prohibiting purchases made with the charge card other than purchases within these limitations as defined by the card owner. The owner will be enabled to limit the purchases to particular goods or to particular sales establishments. Also, the charge card with limitations will generally be a secondary charge card issued to either a member in the family of the owner or an employee of the owner.

The invention relates to a charging network system matched with an electric vehicle. The system comprises a master control center, a charging terminal, a service terminal and a user terminal, wherein the master control center is connected with the charging terminal and the service terminal to perform integrated management on the charging terminal, the user terminal and the service terminal; the charging terminal comprises a charging station and a charging pile, charges a battery pack and acquires information of the battery pack; the user terminal comprises the electric vehicle, the battery pack and a corresponding vehicle-mounted power supply control system which are arranged on the electric vehicle, and a charging card for storing electric quantity information, user information and the like; and the service terminal comprises a charging facility technical service center for providing a daily fault management and maintenance service for the charging terminal. The terminals in all levels are integrated into the charging network system, connected together, and controlled and managed in a unified mode; the battery pack is maintained conveniently by acquiring the information of the battery pack; processes are saved; and simplified charging management is realized.

The disclosed method and system allows a credit or charge card issuer to provide its card members with a list of restaurants that might be of interest based on the financial transactions of similar card members. In one instance, this method filters financial transaction data from a plurality of card members that involves a plurality of restaurants to generate a set of candidate restaurant recommendations for a selected card member. This set of candidate restaurant recommendations is processed to yield a list of restaurant recommendations for the selected customer that is prioritized on the basis of the selected card member accepting the recommendation. The list of restaurant recommendations is then reported to the selected card member to enhance card use and marketing.

Embodiments of the present invention provide a remote payment device that is simple, versatile, and easy to use, accepts payments by charge cards or cash, and handles a split-check scenario in a simple and flexible manner. In one embodiment, a remote payment device for processing payment of a bill to allow payment to be shared by a plurality of customers comprises a charge card reading unit configured to read account information from a charge card; a data input unit for a user to enter data; a display unit; and a processor configured to process account information read from the charge card reading unit and data received from the data input unit and to display information on the display unit. The processor is configured to prompt entry of data by the data input unit to specify a number of one or more customers to make payment of a bill, and to allow each customer to specify any amount of the bill to pay and any amount of a tip to be added and a method of payment.

The invention relates to the technical field of electric automobiles, and discloses an electric automobile charging method and a device. The method comprises the steps that a charging pile obtains theidentification information of a vehicle-mounted terminal; the charging pile sends a charging request to a charging pile server, and the charging request comprises the identification information of the vehicle-mounted terminal; the charging pile server sends a charging verification request to a cloud server, and the charging verification request comprises the identification information of the vehicle-mounted terminal; the cloud server judges whether a user label corresponding to the identification information of the vehicle-mounted terminal is contained in the preset user label library or not;if the user label corresponding to the identification information of the vehicle-mounted terminal is contained in the preset user label library, the cloud server sends a first charging instruction tothe charging pile server; and the charging pile server sends a second charging instruction to the charging pile, so that the charging pile can carry out charging operation on the vehicle-mounted terminal. According to the technical scheme provided by the electric automobile charging method and the device, the operation steps of charging of an electric automobile can be simplified, the automatic charging without using mobile phones and charging cards is achieved, so that the electricity utilization safety is ensured during using the charging pile, and the service life of the electric automobile is prolonged.

The invention relates to a charging method of charging pile for supplying charging service to an electromobile, which has the following steps of: 1) stopping an electromobile at the front of a workable charging pile, connecting the charging pile with mains supply, socketing an electric connector on a vehicle power control system arranged on the electromobile, and inserting a charging card into a card reader; 2) reading user information in the charging card by the charging pile, and detecting the availability of the charging card corresponding to the battery packs and the electromobile; 3) detecting the electric quantity remaining balance of the charging card, under the condition of continuous charging, collecting and detecting the imbalance degree between the battery packs and single batteries by a main control unit; if the imbalance degree exceeds a prior set value, giving the alarm display and prompting the balanced maintenance for battery packs timely by the main control unit; 5) in the charging process, displaying the charging accumulative total power consumption and the charging state alarm in a real time; and 6) and when the charge is ended, displaying the remaining balance of the charging card on a display unit, performing balance judgment between the battery packs and the single batteries, and displaying the imbalance degree state information. The charging system has the functions of real time collection of battery pack state information and real time balance treatment when the electromobile is charged, and has the advantages of reasonable human-computer interface, accurate electric quantity measurement, convenience of connection and good additional value-added function.

A method for purchasing goods or services by a customer from an E-Merchant, including the steps of: establishing a connection between the customer and the E-Merchant over a distributed public network; the customer deciding to purchase at least one item from the E-Merchant using a charge card, the charge card having a plurality of associated charge card details; sending at least a part of the charge card details from a computer system of the customer to an authorizer of the charge card; sending a transaction summary of a transaction from the E-Merchant to the authorizer, the transaction including the at least one item; authorizing the transaction, by the authorizer; and sending a confirmation of the authorizing of the transaction to the E-Merchant, wherein all the above steps are performed such that the E-Merchant is prevented from receiving any part of the charge card details.

A method includes receiving a payment object for payment of a certain amount owed by a first party to a second party. The payment object carries sufficient account information for the payment from an account associated with the payment object. The second party communicates the account information from the payment object and an identification of the second party for receipt by a third party; and receives in return data that is indicative of a gratuity to be charged against the account. The second party prints a document that includes the certain amount owed and the gratuity, as indicated by the data received by the second party, and presents the document for signature by the first party. The printed document preferably includes the total of the amount owed and the gratuity. The payment object may be a credit card, charge card, debit card, rebate card, or stored-value card.

The invention discloses a self-service intelligent charging pile for an electric two-wheel vehicle and belongs to the technical field of electric vehicle charging piles. The self-service intelligent charging pile comprises a host and a charging socket, wherein the host controls the opening and closing of the charging socket. The self-service intelligent charging pile is characterized in that the host is composed of a charging controller, a charging circuit, a man-machine interaction module, a billing module, a charging identification module, an alarm module and a printing module, the charging identification module conducts charging user identification through handset two-dimensional code scanning or a charging card, charging mode selection and payment confirmation are conducted through a display screen of the man-machine interaction module, and the charging circuit is closed by the charging controller of the host to conduct charging. The self-service intelligent charging pile has the advantages that safety and reliability are realized, payment is convenient, intelligent interaction is achieved, and a user can be reminded of abnormal charging in real time.

A web based electronic system with the capacity to record vital behavioral information while providing a platform for participating insurance companies to offer incentives for patients to engage in specific preventive care and / or health promotion practices. The system includes either an electronic funds transfer card that can be used as a debit or charge card to purchase goods and services, or a magnetic strip card as an ID to record the transaction. At checkout, the system operates invisibly to the consumer and the cashier. Approval of the transaction operates similarly to a conventional debit card or credit card. All incentives are managed by the data clearinghouse which receives patient data and provider data. The clearinghouse communicates with the insurance company and forwards a statement which displays the historical behavior.

The invention discloses a charging method of a self-help intelligent charging system. The method comprises the steps: a user punches a card to charge; a charging card reader / writer of a charging terminal reads the corresponding charging card, and judges whether the effective card is in the state of the charging card or the state of a debit card; a main controller of the charging terminal deducts deposits, records information in the card, writes into a settlement mark, and converts the state of the charging card into the state of the debit card; the user charges through the charging terminal; after finishing charging, the main controller or a main control computer work station records the charging card and the corresponding charging record and stores the record into a to-be-settled record for settling by punching the card; the charging terminal finds out the to-be-settlement record according to a card number, deducts the actual amount, writes the remain amount into the card, and removes the settlement mark; and the state of the card is converted into the state of the charging card from the state of the debit card. The self-help intelligent charging system is not needed to be managed by full-time staff, and is operated by users; and the charging control and charge settlement are automatically finished by punching the card.

The related system attracted people attention on ad comprises: a log-on system, an ad display, interaction and checkup system, an award-dispensation system, and a computer host / server. With modern management technology, this invention provides awards (such as money, charge card, surfing-network card and game point card) to attract people, and brings better ad effect with less cost.