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1. 发明专利

DE112011102709A5 GLEITKÖRPER, INSBESONDERE SPORTGERÄT, ZUM GLEITEN AUF EINER FAHRBAHN, VORZUGSWEISE AUF SCHNEE ODER EIS 未知
公开(公告)号：DE112011102709A5
公开(公告)日：2013-09-05
申请号：DE112011102709
申请日：2011-08-12
申请人： MICHAL UND DAVID CERVENKA GBR VERTRETUNGSBERECHTIGTE GESELLSCHAFTER MICHAL CERVENKA
发明人： STEINBACH PAUL
IPC分类号： B62B13/12 , B62B15/00

2. 发明申请

WO2012027694A2 ACCOUNT NUMBER BASED BILL PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：基于帐户号码的付款平台设备，方法和系统
公开(公告)号：WO2012027694A2
公开(公告)日：2012-03-01
申请号：PCT/US2011/049393
申请日：2011-08-26
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , El-Awady, Khalid , Cervenka, Karen, Louise
发明人： El-Awady, Khalid , Cervenka, Karen, Louise
IPC分类号： G06Q20/34
CPC分类号： G06Q20/14 , G06Q20/102
摘要： The ACCOUNT NUMBER BASED BILL PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS ("Bill-Pay") transforms user key-entered billing and account inputs and/or barcode reading inputs via Bill-Pay components into bill payment outputs. In one embodiment, a method is disclosed, comprising: receiving a bill payment transaction request from a bill payment third party agent via a bill payment vehicle; obtaining bill information and payer identifying information; verifying the obtained bill information including a payment amount; retrieving payer account information based on the obtained payer identifying information; and transferring an approved amount to a biller's account from the payer account.
摘要翻译：基于帐号的帐单付款平台设备，方法和系统（“Bill-Pay”）将用户密钥输入的帐单和帐户输入和/或条形码读取输入通过Bill-Pay组件转换为帐单支付输出。在一个实施例中，公开了一种方法，包括：经由账单支付车辆从账单支付第三方代理接收账单支付交易请求; 获取账单信息和付款人识别信息; 验证所获得的账单信息包括支付金额; 基于所获得的付款人识别信息来检索付款人帐户信息; 并将批准的金额从付款人账户转入账单账户。

3. 发明申请

WO2009151506A3 CHEWING GUM MANUFACTURE 审中-公开
公开(公告)号：WO2009151506A3
公开(公告)日：2010-03-11
申请号：PCT/US2009002406
申请日：2009-04-17
申请人： WRIGLEY W M JUN CO , CERVENKA MARTIN R , RYBOLT DENNIS W , BROWN SCOTT G , ARTIAGA MARIANO V
发明人： CERVENKA MARTIN R , RYBOLT DENNIS W , BROWN SCOTT G , ARTIAGA MARIANO V
IPC分类号： A23G4/00 , A23G4/02
CPC分类号： A23G4/02 , A23G4/04 , A23G7/0093 , B29C47/0021 , B29L2007/002
摘要： A chewing gum sheet is formed without substantial use of a powdered non-stick agent by extruding a slab having a tacky surface of heated chewing gum composition onto a moving conveyor; cooling the slab on the conveyor sufficiently to cool the surface of the slab; and passing the slab from the conveyor through at least one cooled roller to form a chewing gum sheet with predetermined dimensions.
摘要翻译：通过将具有加热的口香糖组合物的粘性表面的板坯挤压到移动的输送机上，形成口香糖薄片，而基本上不使用粉末状的不粘剂; 在输送机上充分冷却板坯的表面; 并且将板坯从输送机通过至少一个冷却辊，以形成具有预定尺寸的口香糖片。

4. 发明申请

WO2009151506A2 CHEWING GUM MANUFACTURE 审中-公开
公开(公告)号：WO2009151506A2
公开(公告)日：2009-12-17
申请号：PCT/US2009/002406
申请日：2009-04-17
申请人： WM. WRIGLEY JR. COMPANY , CERVENKA, Martin, R. , RYBOLT, Dennis, W. , BROWN, Scott, G. , ARTIAGA, Mariano, V.
发明人： CERVENKA, Martin, R. , RYBOLT, Dennis, W. , BROWN, Scott, G. , ARTIAGA, Mariano, V.
IPC分类号： A23G4/00 , A23G4/02
CPC分类号： A23G4/02 , A23G4/04 , A23G7/0093 , B29C47/0021 , B29L2007/002
摘要： A chewing gum sheet is formed without substantial use of a powdered non-stick agent by extruding a slab having a tacky surface of heated chewing gum composition onto a moving conveyor; cooling the slab on the conveyor sufficiently to cool the surface of the slab; and passing the slab from the conveyor through at least one cooled roller to form a chewing gum sheet with predetermined dimensions.
摘要翻译：通过将具有加热的口香糖组合物的粘性表面的板坯挤压到移动的输送机上，形成口香糖薄片，而基本上不使用粉末状的不粘剂; 在输送机上充分冷却板坯的表面; 并且将板坯从输送机通过至少一个冷却辊，以形成具有预定尺寸的口香糖片。

5. 发明申请

WO2009061877A3 FINANCIAL TRANSACTION FUNDS COLLECTION AND DISTRIBUTION 审中-公开
公开(公告)号：WO2009061877A3
公开(公告)日：2009-05-14
申请号：PCT/US2008/082572
申请日：2008-11-06
申请人： VISA U.S.A. INC , CERVENKA, Karen, L.
发明人： CERVENKA, Karen, L.
IPC分类号： G06Q40/00 , G06Q20/00
摘要： There is provided financial transaction funds collection and distribution methodology and system. A financial service provider assists in providing information to a third party transaction processor, who is engaged to process financial transactions such as insurance claims. Payors enroll as participants with the financial service provider, and information about the payors' banks, funding sources, or other financial institutions are linked to the payors in a database maintained by the payment system. Once a payor and the payor's financial institution are enrolled, funds may be obtained from the payor's bank by the financial service provider on behalf of the third party transaction processor, and without transaction-by-transaction involvement from the payor, significantly reducing the time, expense, and costs associated with financial transaction collection and payment.

6. 发明申请

WO2008016923A2 ELECTRONIC PAYMENT DELIVERY SERVICE 审中-公开
标题翻译：电子支付交付服务
公开(公告)号：WO2008016923A2
公开(公告)日：2008-02-07
申请号：PCT/US2007/074862
申请日：2007-07-31
申请人： VISA USA INC. , VISA INTERNATIONAL SERVICE CORPORATION , YANAK, Edward, L. , VAUSE, Joseph, Alexander , KABERLEIN, Joseph, John , CERVENKA, Karen, L.
发明人： YANAK, Edward, L. , VAUSE, Joseph, Alexander , KABERLEIN, Joseph, John , CERVENKA, Karen, L.
IPC分类号： G06F17/40 , G06Q30/00 , G06Q40/00 , G06Q50/00
CPC分类号： G06Q30/00 , G06F19/00 , G06Q10/00 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/14 , G06Q20/385 , G06Q40/00 , G06Q40/08 , G06Q40/12 , G06Q50/22 , G06Q50/24
摘要： Systems and methods for providing finance-related services such as electronic payment delivery are disclosed. In accordance with one embodiment, a payment system is configured to receive a payment message including a type of information, and to add an identification number to the message. The type of information is removed from the payment message, and the revised payment message is forwarded on to an entity responsible for payment. Particular embodiments in accordance with the present invention are suited for removing personal patient information from a HIPAA-compliant payment message, prior to forwarding the revised message over an electronic payment network.
摘要翻译：披露了用于提供诸如电子支付递送等金融相关服务的系统和方法。根据一个实施例，支付系统被配置为接收包括一种类型的信息的支付消息，并且向该消息添加识别号码。信息的类型从支付消息中移除，并且修改后的支付消息被转发给负责支付的实体。根据本发明的特定实施例适用于在通过电子支付网络传送修改后的消息之前从符合HIPAA的支付消息中去除个人患者信息。

7. 发明申请

WO2012162634A1 LOYALTY PROMOTION APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译： LOYALTY PROMOTION APPARATUSES，METHODS AND SYSTEMS
公开(公告)号：WO2012162634A1
公开(公告)日：2012-11-29
申请号：PCT/US2012/039638
申请日：2012-05-25
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , TAYLOR, Mary Theresa , CERVENKA, Karen L. , MAHADKAR, Shilpak , PATTERSON, Barbara Elizabeth
发明人： TAYLOR, Mary Theresa , CERVENKA, Karen L. , MAHADKAR, Shilpak , PATTERSON, Barbara Elizabeth
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q20/12 , G06Q20/387 , G06Q30/0211 , G06Q30/0236 , G06Q30/0238 , G06Q30/04
摘要： The LOYALTY PROMOTION APPARATUSES, METHODS AND SYSTEMS ("L-PROMO") transforms consumer credentials, consumer opt-in activities, and, merchant campaign setup inputs via L-PROMO components into a financial transaction and offer redemption outputs. In one implementation, a method is disclosed, comprising: receiving consumer indentifying information from a consumer electronic wallet vehicle; receiving merchant information and a proposed transaction from a merchant terminal; initiating consumer payment by sending a payment approval to an electronic wallet account; receiving a request to apply a promotional offer; determining consumer eligibility to apply the promotional offer to the proposed transaction; applying the promotional offer to the proposed transaction by returning credits to the consumer based on terms of the promotional offer; sending transaction details to the consumer; and sending a message to a social network indicating the transaction on the consumer's social media page.
摘要翻译： LOYALTY促销设备，方法和系统（“L-PROMO”）将消费者凭证，消费者选择加入活动以及通过L-PROMO组件进行的商业活动设置输入转换为金融交易并提供兑换产出。在一个实现中，公开了一种方法，包括：从消费者电子钱包车辆接收消费者识别信息; 从商家终端接收商家信息和建议的交易; 通过向电子钱包帐户发送支付许可来启动消费者支付; 收到申请促销优惠的请求; 确定消费者有权将该促销优惠应用于拟议交易; 根据促销优惠条件，向促销商回馈信贷，将促销优惠应用于建议交易; 向消费者发送交易详情; 以及向社交网络发送消息，指示消费者的社交媒体页面上的交易。

8. 发明申请

WO2011020039A3 AUTO-SUBSTANTIATION FOR HEALTHCARE UPON SPONSOR ACCOUNT THROUGH PAYMENT PROCESSING SYSTEM 审中-公开
标题翻译：通过付款处理系统通过赞助商帐户进行医疗保健的自动化
公开(公告)号：WO2011020039A3
公开(公告)日：2011-05-19
申请号：PCT/US2010045500
申请日：2010-08-13
申请人： VISA USA INC , CERVENKA KAREN L , POURFALLAH STACY , TAYLOR MARY THERESA
发明人： CERVENKA KAREN L , POURFALLAH STACY , TAYLOR MARY THERESA
IPC分类号： G06Q50/00 , G06Q20/00
CPC分类号： G06Q20/385 , G06Q10/10 , G06Q20/20 , G06Q20/28 , G06Q50/22
摘要： An issuer receives an authorization request from healthcare provider that includes an account, an identifier for a healthcare service and its cost to a patient, and an identifier for a single purpose card for the redemption of the cost of the healthcare service. The issuer validates use of the account to pay the cost, sends an authorization approval to the healthcare provider, and deactivates the identifier for the single purpose card for future use. A request for insufficient funds, when the account is determined to be deficient, is sent to a sponsor to whom the issuer issued account. The cost in the authorization request can include a total purchase amount and a qualified amount of the total purchase amount, and the issuer can validate that the account can be used the for payment of the qualified amount of the total purchase amount for the healthcare service.
摘要翻译：发行人从卫生保健提供者接收包括帐户，医疗保健服务的标识符及其对患者的成本的授权请求，以及用于兑换医疗服务费用的单用途卡的标识符。发行人验证使用账户支付费用，向医疗保健提供者发送授权许可，并停用单一用途卡的标识符，以备将来使用。当帐户确定不足时，资金不足的请求被发送给发行人发行账户的发起人。授权请求中的成本可以包括总购买金额和总购买金额的合格金额，发行人可以验证该账户可以用于支付医疗保健服务的总购买金额的合格金额。

9. 发明申请

WO2010068466A2 PROMOTIONAL ITEM IDENTIFICATION IN PROCESSING OF AN ACQUIRED TRANSACTION ON AN ISSUED ACCOUNT 审中-公开
标题翻译：在发出的帐户上处理交易中的促销项目标识
公开(公告)号：WO2010068466A2
公开(公告)日：2010-06-17
申请号：PCT/US2009065810
申请日：2009-11-24
申请人： VISA USA INC , TAYLOR MARY THERESA , CERVENKA KAREN L , MAHADKAR SHILPAK , PATTERSON BARBARA ELIZABETH
发明人： TAYLOR MARY THERESA , CERVENKA KAREN L , MAHADKAR SHILPAK , PATTERSON BARBARA ELIZABETH
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/12 , G06Q20/40 , G06Q30/02 , G06Q30/0238
摘要： Disclosed methods enable an open loop system processing of private label and co-branded account transactions. Implementations in the open loop system employ communications directly between a merchant and an issuer offering promotional financing for a promotional item being purchased from the merchant. Other implementations in the open loop system enable different transaction amounts in an authorization request message and its corresponding authorization response as are respectively sent and received by a merchant, where the different can be for a promotion offered to an account holder for conducting a transaction on an account with the merchant.
摘要翻译：公开的方法使得开环系统处理私有标签和共同品牌的帐户交易。开环系统中的实施在商家和发行商之间直接采用通信，为从商家购买的促销品提供促销融资。开环系统中的其他实现使授权请求消息中的不同交易量及其对应的授权响应分别由商家发送和接收，其中不同的交易量可以用于提供给账户持有者进行交易的促销与商家账户

10. 发明申请

WO2010065900A2 CUSTOM SETTLEMENT ARRANGEMENTS 审中-公开
标题翻译：自定义安置安排
公开(公告)号：WO2010065900A2
公开(公告)日：2010-06-10
申请号：PCT/US2009/066834
申请日：2009-12-04
申请人： VISA U.S.A. INC. , CERVENKA, Karen, L. , TAYLOR, Mary, Theresa , YEE, Millie , VALE, Bonnie
发明人： CERVENKA, Karen, L. , TAYLOR, Mary, Theresa , YEE, Millie , VALE, Bonnie
IPC分类号： G06Q30/00 , G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/20 , G06Q20/023 , G06Q20/12 , G06Q20/40 , G06Q30/0238
摘要： Processing transactions involving private label portable consumer devices is presented. For a transaction involving a portable consumer device in a payment processing network, an authorization request from a merchant is received by a transaction handler. The transaction handler, in communication with the issuer, denies or approves the transaction. For approved transactions, the merchant sends a settlement request to the transaction handler. If the transaction is identified as involving a private label portable consumer device, the transaction handler applies a custom settlement arrangement rate to the payment sought, generally reducing the payment amount. The applied payment amount is received from the issuer and forwarded to the merchant. If the applied payment amount is less than the actual amount owed to the merchant, the merchant sends a request to the issuer of the private label payment device to settle the transaction in accordance with a custom settlement agreement.
摘要翻译：介绍涉及私人标签便携式消费类设备的处理交易。对于涉及支付处理网络中的便携式消费者设备的交易，来自商家的授权请求由交易处理者接收。与发行人通信的交易处理程序拒绝或批准交易。对于经批准的交易，商家向交易处理者发送结算请求。如果交易被识别为涉及私人标签便携式消费者设备，则交易处理者对所寻求的付款应用定制结算安排费率，通常减少支付金额。从发行人收到应用的支付金额并转发给商户。如果应用的支付金额小于商家的实际金额，则商家向私人标签支付装置的发行人发送请求，以按照定制结算协议结算交易。

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