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21. 发明授权

US08041621B2 Automated ticket selling system having a maximum price setting 有权
标题翻译：自动售票系统具有最高价格设定
公开(公告)号：US08041621B2
公开(公告)日：2011-10-18
申请号：US09790059
申请日：2001-02-21
申请人： Hillel Segal
发明人： Hillel Segal
IPC分类号： G06Q40/00
CPC分类号： G06Q30/08 , G06Q10/02 , G06Q40/04
摘要： According to the present invention, a buyer may submit a listing containing a description of an item desired to be purchased, such as an airline ticket, to an operator of an automated selling system. The automated selling system may be a server or series of servers accessible via a computer network, such as the Internet. The listing may contain a maximum price at which the buyer is willing to purchase the item. In the case of an airline ticket, the description accompanying the listing may contain a point of departure, a destination, desired flight times, number of travelers, and/or a specification of acceptable airlines. A plurality of sellers designate listings for which they submit bids to the operator. In the case where the sellers are airlines, the sellers may designate originating and destination city-pairs, a listing of available flights, a floor price for a city-pair, and a range of acceptable prices for one or more bidding rounds. The floor price applicable to a given listing determined from the highest floor price submitted by the eligible sellers for that listing. If only one seller submits a bid, and the bid is less than or equal to the price submitted by the buyer, that seller is selected to make the sale and provide the item. If there are multiple eligible sellers, the sale is awarded to a seller after a predetermined number of rounds of bidding, applying predefined system rules.
摘要翻译：根据本发明，买方可以向自动销售系统的操作者提交一个包含想要购买的物品的描述的列表，例如机票。自动销售系统可以是经由诸如因特网的计算机网络访问的服务器或一系列服务器。该列表可能包含买方愿意购买该物品的最高价格。在机票的情况下，列出的描述可以包含出发点，目的地，期望的飞行时间，旅客人数和/或可接受的航空公司的规格。多名卖家指定向运营商提交投标书的列表。在卖方为航空公司的情况下，卖方可以指定起始和目的地城市对，可用航班的列表，城市对的底价以及一个或多个出价轮的可接受价格的范围。适用于给定上市的底价根据合格卖方为该上市提交的最高价格确定。如果只有一个卖方提交出价，并且出价小于或等于买方提交的价格，则选择卖方进行销售并提供该商品。如果有多个符合条件的卖家，则在预定数量的投标后，销售将被授予卖方，并应用预定义的系统规则。

22. 发明授权

US08032444B2 System and method for trading options 有权
标题翻译：交易期权的制度和方法
公开(公告)号：US08032444B2
公开(公告)日：2011-10-04
申请号：US12685610
申请日：2010-01-11
申请人： Kevin Rodgers , Jeffrey Dirk Ward
发明人： Kevin Rodgers , Jeffrey Dirk Ward
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q40/00 , G06Q40/06
摘要： A system and method of trading option contracts, such as foreign currency option contracts, is described. In one embodiment, a system and method for web-based or network-based interactive trading of currency options is described. Users of the system provide volatility runs of currency options, deal on existing offers to sell or bids to buy, or may improve on existing offers to sell or bids to buy. The system and method provide automatic price quotations for a requested option contract by polling internal volatility surfaces of users for prices on the requested contract, and ensure a more orderly pattern of trades by categorizing the users into discrete tiers which determine a user's obligations to provide offers and bids to the system and which determine a user's opportunities and rights to trade on the system.
摘要翻译：描述了交易期权合约（如外币期权合约）的制度和方法。在一个实施例中，描述了用于货币期权的基于网络或基于网络的互动交易的系统和方法。该系统的用户提供货币期权的波动性运行，处理现有的要约出售或出价购买，或可能改进现有的要约出售或出价购买。该系统和方法通过针对所请求的合同的价格轮询用户的内部波动性表面，为所请求的期权合约提供自动报价，并通过将用户分类为离散层来确保更有序的交易模式，从而确定用户提供报价的义务并向系统投标，并确定用户在系统上交易的机会和权利。

23. 发明授权

US08023751B1 Method and apparatus for progressively deleting media objects from storage 有权
标题翻译：从存储中逐渐删除媒体对象的方法和装置
公开(公告)号：US08023751B1
公开(公告)日：2011-09-20
申请号：US12785368
申请日：2010-05-21
申请人： Richard R. Reisman
发明人： Richard R. Reisman
IPC分类号： G06K9/36
CPC分类号： G11B27/034 , G06F3/16 , G06F17/3028 , G06F17/30289 , H04N9/8042 , H04N21/234327 , H04N21/25875 , H04N21/4335 , H04N21/440227 , H04N21/85406
摘要： A system for managing storage space on an electronic storage medium is provided in which a file format for stored data allows for progressive deletion of low-significance data, for example in a video or audio file, while allowing the remaining portions of the file to be subsequently retrieved. The file format allows for the ready deletion of low-significance data without having to open, edit and subsequently rewrite the data. Furthermore, rules-based algorithms for the deletion of low-significance data allow a user to store and progressively delete such low-significance data in accordance with time parameters, available storage space and the like, without having to delete the full file.
摘要翻译：提供一种用于管理电子存储介质上的存储空间的系统，其中存储数据的文件格式允许例如在视频或音频文件中逐行删除低有效数据，同时允许文件的剩余部分随后检索。文件格式允许准备删除低有效数据，而无需打开，编辑和随后重写数据。此外，用于删除低重要性数据的基于规则的算法允许用户根据时间参数，可用存储空间等存储和逐渐删除这样的低重要性数据，而不必删除完整文件。

24. 发明授权

US07979342B2 Dynamic reallocation hedge accounting 有权
标题翻译：动态再分配套期会计
公开(公告)号：US07979342B2
公开(公告)日：2011-07-12
申请号：US12254667
申请日：2008-10-20
申请人： Tim Bridges , Mark Evans , Oliver Frankel
发明人： Tim Bridges , Mark Evans , Oliver Frankel
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： A hedged exposure and an associated hedging instrument can be accounted for to reduce periodic earnings volatility associated with the hedged exposure. The accounting to reduce the earnings volatility includes designating a portion of the value of the financial exposure as being hedged by the hedging instrument. The designated portion is determined based on a price sensitivity of the hedging instrument with respect to changes in market value of an underlying instrument. In each of a number of sequential periods, the portion of the financial exposure is redesignated based on changed price sensitivity of the hedging instrument. Periodic earnings volatility associated with a hedged exposure also can be reduced by dividing (for accounting purposes) the hedging instrument into a first part (also referred to as a designated part) and a second part (also referred to as a residue part). This division is made in a way that ensures that changes in the value of the first part substantially offset changes in value of the financial exposure. The method also includes designating a portion of the first part as a hedge of the financial exposure such that the remainder of the first part offsets the delta of the second part. In each of a plurality of sequential periods, the portion of the first part is redesignated to maintain the relationship between the first part and the second part whereby the remainder of the first part offsets the delta of the second part.
摘要翻译：可以考虑套期保值风险和相关套期工具，以减少与套期风险敞口相关的定期收益波动。减少盈利波动的会计包括将金融风险的一部分价值指定为套期工具对冲。指定部分是根据套期工具对基础工具的市场价值变化的价格敏感度确定的。在多个连续期间的每一个中，基于对冲工具的价格敏感度变化重新指定了部分财务风险。与对冲风险相关的定期收益波动也可以通过将套期工具划分为第一部分（也称为指定部分）和第二部分（也称为剩余部分）来减少（用于会计目的）。该部门的做法是确保第一部分价值的变化大大抵消了金融风险敞口的变化。该方法还包括将第一部分的一部分指定为金融曝光的对冲，使得第一部分的其余部分抵消第二部分的增量。在多个顺序周期中的每一个中，重新指定第一部分的部分以维持第一部分和第二部分之间的关系，由此第一部分的其余部分抵消第二部分的增量。

25. 外观设计

USD640545S1 Tobacco box 有权
公开(公告)号：USD640545S1
公开(公告)日：2011-06-28
申请号：US29342586
申请日：2009-08-27
申请人： Paul Gibson , Aaron McKenzie
设计人： Paul Gibson , Aaron McKenzie

26. 发明授权

US07970681B1 Reduction of financial instrument volatility 有权
标题翻译：减少金融工具波动
公开(公告)号：US07970681B1
公开(公告)日：2011-06-28
申请号：US09723694
申请日：2000-11-28
申请人： Tim Bridges , Mark Evans , Oliver Frankel
发明人： Tim Bridges , Mark Evans , Oliver Frankel
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/06
摘要： An earnings volatility reduction procedure includes determining a first sensitivity value of a portfolio to underlying market conditions, trading in an immunizing instrument having a second sensitivity value substantially equal in magnitude and opposite in value of the first sensitivity value, and trading in a qualifying instrument having a third sensitivity value substantially equal to the first sensitivity value. A derivative portfolio (in particular, one that includes a financial instrument for which changes in value are characterized as earnings pursuant to FAS 133) is structured by determining a sensitivity of the derivative portfolio with respect to financial conditions in a trading market, executing an immunizing purchase of a second trading instrument in an amount equal to the magnitude of the current sensitivity and opposite in value, and executing a qualifying sale of a third trading instrument in an amount equal to amount of the current sensitivity.
摘要翻译：收益波动减少程序包括确定投资组合的基本市场状况的第一敏感度值，在第一敏感度值的大小相等的第二敏感度价值的第二敏感度价值的交易中进行交易，以及在具有基本上等于第一灵敏度值的第三灵敏度值。衍生投资组合（特别是包括根据FAS 133的价值变动表现为收益的金融工具）的组合是通过确定衍生投资组合对于交易市场的财务状况的敏感性，执行免疫购买等于当前敏感度和价值相反的数量的第二交易工具，并以等于当前敏感度的金额执行第三交易工具的合格销售。

27. 外观设计

USD640131S1 Tobacco box 有权
标题翻译：烟盒
公开(公告)号：USD640131S1
公开(公告)日：2011-06-21
申请号：US29340958
申请日：2009-07-28
申请人： Paul Gibson , Aaron McKenzie
设计人： Paul Gibson , Aaron McKenzie

28. 发明授权

US07949587B1 Systems and methods for financial deposits by electronic message 有权
标题翻译：通过电子信息进行金融存款的系统和方法
公开(公告)号：US07949587B1
公开(公告)日：2011-05-24
申请号：US12257482
申请日：2008-10-24
申请人： Michael Frank Morris , Bharat Prasad , Reynaldo Medina, III
发明人： Michael Frank Morris , Bharat Prasad , Reynaldo Medina, III
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06 , G06Q20/0425 , G06Q20/10 , G06Q20/108 , G06Q40/00
摘要： An image of a negotiable instrument may be communicated from a user to a financial institution using a messaging application so that funds associated with the negotiable instrument may be deposited into a user's bank account. A user may launch an instant messaging application and establish a communications session with a predetermined account at the financial institution to communicate the image. The image may be stored in a file or created by a capture device under control of the instant messaging application. The image file may be processed and verified by the financial institution, where it may be deposited in an account associated with the user.
摘要翻译：流通票据的图像可以使用消息应用从用户传达到金融机构，使得与可转让票据相关联的资金可以存入用户的银行账户。用户可以启动即时消息应用并与金融机构的预定帐户建立通信会话以传送图像。图像可以存储在文件中，或者由即时消息应用控制下的捕获设备创建。图像文件可以由金融机构处理和验证，其可以存储在与用户相关联的帐户中。

29. 发明授权

US07945462B1 Systems and methods of automating reconsideration of cardiac risk 有权
标题翻译：自动重新考虑心脏病风险的系统和方法
公开(公告)号：US07945462B1
公开(公告)日：2011-05-17
申请号：US11829777
申请日：2007-07-27
申请人： James E. Goral
发明人： James E. Goral
IPC分类号： G06Q40/00 , G06Q10/00 , G06Q50/00
CPC分类号： G06Q40/08 , G06F19/00 , G06F19/328 , G06Q50/22 , G16H50/30
摘要： Systems, methods, and computer-readable media to automate reconsideration of a cardiac risk category associated with issuance of a life insurance policy may provide an indication of a best potential risk category or rate class that would be available if at least one action is completed by a life insurance applicant.
摘要翻译：系统，方法和计算机可读介质，以自动重新考虑与发行人寿保险政策相关的心脏危险类别，可以提供如果至少一个动作完成的可能的最佳潜在风险类别或费率类别的指示人寿保险申请人。

30. 发明授权

US07925518B2 System and method for payment of medical claims 有权
标题翻译：支付医疗费用的制度和方法
公开(公告)号：US07925518B2
公开(公告)日：2011-04-12
申请号：US10418989
申请日：2003-04-18
申请人： Ernest Lee , Jack LaBounty , Stephen Barchet
发明人： Ernest Lee , Jack LaBounty , Stephen Barchet
IPC分类号： G06Q10/00
CPC分类号： G07F7/1008 , G06F19/00 , G06Q20/04 , G06Q20/10 , G06Q20/14 , G06Q20/346 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： A system allows a health care provider to arrange payment at the time of service for a patient responsibility portion of a health care claim amount, even though the provider may not know what the patient responsibility portion will be until after adjudication. A health care debit card is associated with an account of the patient. At the time of service, the patient presents the card to the provider. The provider uses the card to authorize the system to hold an estimate of the patient responsibility amount in suspense in the patient's account. After adjudication, when the actual patient responsibility amount is known, a transaction set is sent to the system. The system then automatically transfers the actual patient responsibility amount from the patient's account and into the provider's bank account. Any remainder of the suspended funds is left in the patient's account. A trace number is provided so that the provider can reconcile bank statement deposits with transaction set information.
摘要翻译：一个系统允许医疗保健提供者在服务时为医疗保健索赔额的患者责任部分安排付款，即使提供者可能不知道在判决之后患者责任部分将是什么。医疗保健借记卡与患者的帐户相关联。在服务时，患者将卡片提供给提供者。提供者使用该卡授权系统对患者帐户中的患者责任量进行暂定估计。裁决后，当实际患者责任额已知时，交易集发送到系统。然后系统自动将患者的实际负责金额从患者账户转入提供商的银行账户。暂停资金的剩余部分留在病人的账户中。提供跟踪号码，以便提供者可以将银行对账单存款与交易集信息进行调节。

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