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1. 发明申请

WO2007137283A9 ELECTRONIC TRANSACTION APPARATUS AND METHOD 审中-公开
标题翻译：电子交易装置和方法
公开(公告)号：WO2007137283A9
公开(公告)日：2008-03-13
申请号：PCT/US2007069531
申请日：2007-05-23
申请人： MASTERCARD INTERNATIONAL INC , LOVELETT JOHN M , KRIKORIAN SHARI , DOWNS EDWARD F , KRAMER JULIE , CAVALLARO ALICIA , DAMIANOV GEORGE , LEMMA BEZA , SINGH VIMAL
发明人： LOVELETT JOHN M , KRIKORIAN SHARI , DOWNS EDWARD F , KRAMER JULIE , CAVALLARO ALICIA , DAMIANOV GEORGE , LEMMA BEZA , SINGH VIMAL
IPC分类号： H04K1/00
CPC分类号： G06Q20/14 , G06Q20/10 , G06Q20/102 , G06Q40/02
摘要： One inventive step includes facilitating obtaining a payment file associated with a buyer (for example, directly from the buyer, or from a third party partner). The file includes data specifying a first form of payment from the buyer to a first biller and data specifying a second form of payment, different than the first form of payment, from the buyer to a second biller. Other inventive steps include facilitating appending first stored data to the data specifying the first form of payment to the first biller, to effectuate payment to the first biller by the first form of payment; and facilitating appending second stored data to the data specifying the second form of payment to the second biller, to effectuate payment to the second biller by the second form of payment.
摘要翻译：一个创造性步骤包括促进获得与买方相关联的支付文件（例如，直接从买方或从第三方合作伙伴）。该文件包括指定从买方到第一帐单者的第一种付款方式的数据，以及指定与第一付款方式不同的第二付款方式的数据，从买方到第二帐单者。其他发明性步骤包括促进将首先存储的数据附加到指定第一付款方式的数据给第一帐单者，以通过第一付款方式实现对第一帐单者的支付; 并且促进将第二存储数据附加到指定第二付款方式的数据给第二帐单者，以通过第二付款方式向第二帐单者付款。

2. 发明申请

WO2006026418A3 METHOD AND SYSTEM FOR AUTOMATED PAYMENT AUTHORIZATION AND SETTLEMENT 审中-公开
标题翻译：自动付款授权和结算方法与系统
公开(公告)号：WO2006026418A3
公开(公告)日：2006-05-04
申请号：PCT/US2005030384
申请日：2005-08-25
申请人： MASTERCARD INTERNATIONAL INC , KRIKORIAN SHARI , PHILLIOU PHILIP J , DOWNS EDWARD
发明人： KRIKORIAN SHARI , PHILLIOU PHILIP J , DOWNS EDWARD
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/14 , G06Q20/204 , G06Q20/24 , G06Q20/40 , G06Q30/04 , G06Q30/06
摘要： The present invention provides a system and method to enable a third party service provider of EIPP services (120a) to initiate authorization and settlement of payment card payments with invoice line item data (Level III data), on behalf of either Buyer/Payers (110) or Supplier/Payees (130) to credit card acquirers (160) and/or transaction processors (160). Payment initiation (550) is based on submission of either a pre-approved invoice or order confirmation validated against a purchase order, or an invoice approved by the Buyer/Payer organization (110) and scheduled for payment (665).
摘要翻译：本发明提供一种使得EIPP服务（120a）的第三方服务提供商能够代表买方/付款人（110）发起支付卡付款的发票行项目数据（等级III数据）的系统和方法）或供应商/收款人（130）到信用卡获取者（160）和/或交易处理器（160）。付款开始（550）是根据提交的采购订单验证的预先批准的发票或订单确认书，或由买方/付款方组织（110）批准并计划付款（665）的发票。

3. 发明申请

WO2003001847A1 DIRECTIONAL SENSORS FOR HEAD-MOUNTED CONTACT MICROPHONES 审中-公开
标题翻译：用于头戴式接触式麦克风的方向传感器
公开(公告)号：WO2003001847A1
公开(公告)日：2003-01-03
申请号：PCT/US2002/019624
申请日：2002-06-21
申请人： UNCONVENTIONAL CONCEPTS, INC. , DOWNS, Edward, F., Jr. , PRESTON, Dean, C.
发明人： DOWNS, Edward, F., Jr. , PRESTON, Dean, C.
IPC分类号： H04R25/00
CPC分类号： H04R1/083 , H04R1/1008 , H04R1/1083 , H04R5/0335 , H04R17/005 , H04R2460/13
摘要： Directional piezoelectric devices (10) and methods for their manufacture are provided that improve the quality of piezoelectric device mediated signal detection and provide new thermal imaging devices. The devices can provide over an order of magnitude improved signal to noise ratio compared with previously known devices. The devices (10) may be used along with new head mounted acoustic technologies for improved voice communication systems in inherently noisy environments. The head mounted technologies utilize microphones that are activated by pressure wherein the applied trigger pressure further serves to improve efficiency of the microphones. Also provided are head pieces that include both microphones and speakers that are particularly useful for harsh environments such as those encountered by fire fighters. The head pieces are capable of further functions related to contact with the head of the user, such as reporting physiological variables of the user, along with oral communications.
摘要翻译：提供了定向压电器件（10）及其制造方法，其提高压电器件介导的信号检测的质量并提供新的热成像器件。与先前已知的器件相比，器件可以提供超过一个数量级的改善的信噪比。设备（10）可以与新的头戴式声音技术一起使用，用于固有噪声环境中的改进的语音通信系统。头戴式技术利用由压力激活的麦克风，其中施加的触发压力还用于提高麦克风的效率。还提供了包括麦克风和扬声器的头部件，其对于诸如消防员遇到的恶劣环境特别有用。头部能够具有与用户头部接触的进一步功能，例如报告用户的生理变量以及口头通信。

4. 发明申请

WO2007137283A2 ELECTRONIC TRANSACTION APPARATUS AND METHOD 审中-公开
标题翻译：电子交易设备和方法
公开(公告)号：WO2007137283A2
公开(公告)日：2007-11-29
申请号：PCT/US2007069531
申请日：2007-05-23
申请人： MASTERCARD INTERNATIONAL INC , LOVELETT JOHN M , KRIKORIAN SHARI , DOWNS EDWARD F , KRAMER JULIE , CAVALLARO ALICIA , DAMIANOV GEORGE , LEMMA BEZA , SINGH VIMAL
发明人： LOVELETT JOHN M , KRIKORIAN SHARI , DOWNS EDWARD F , KRAMER JULIE , CAVALLARO ALICIA , DAMIANOV GEORGE , LEMMA BEZA , SINGH VIMAL
IPC分类号： G06Q40/00
CPC分类号： G06Q20/14 , G06Q20/10 , G06Q20/102 , G06Q40/02
摘要： One inventive step includes facilitating obtaining a payment file associated with a buyer (for example, directly from the buyer, or from a third party partner) The file includes data specifying a first form of payment from the buyer to a first biller and data specifying a second form of payment, different than the first form of payment, from the buyer to a second biller Other inventive steps include facilitating appending first stored data to the data specifying the first form of payment to the first biller, to effectuate payment to the first biller by the first form of payment; and facilitating appending second stored data to the data specifying the second form of payment to the second biller, to effectuate payment to the second biller by the second form of payment.
摘要翻译：一个创造性步骤包括促进获得与买方相关联的支付文件（例如，直接从买方或从第三方合伙人获得）。该文件包括指定从买方到第一帐单者的第一种付款方式的数据，以及指定第二种付款形式，不同于第一种付款方式，从买方到第二帐单。其他创造性步骤包括便利将首先存储的数据附加到指定第一付款方式的数据给第一帐单者，以便向第一帐单者付款以第一种付款方式; 以及促进将第二存储数据附加到指定第二付款方式的数据给第二帐单者，以通过第二付款方式向第二帐单者付款。

5. 发明申请

WO2007137283A3 ELECTRONIC TRANSACTION APPARATUS AND METHOD 审中-公开
公开(公告)号：WO2007137283A3
公开(公告)日：2007-11-29
申请号：PCT/US2007/069531
申请日：2007-05-23
申请人： MASTERCARD INTERNATIONAL INCORPORATED , LOVELETT, John, M. , KRIKORIAN, Shari , DOWNS, Edward, F. , KRAMER, Julie , CAVALLARO, Alicia , DAMIANOV, George , LEMMA, Beza , SINGH, Vimal
发明人： LOVELETT, John, M. , KRIKORIAN, Shari , DOWNS, Edward, F. , KRAMER, Julie , CAVALLARO, Alicia , DAMIANOV, George , LEMMA, Beza , SINGH, Vimal
IPC分类号： H04K1/00
摘要： One inventive step includes facilitating obtaining a payment file associated with a buyer (for example, directly from the buyer, or from a third party partner). The file includes data specifying a first form of payment from the buyer to a first biller and data specifying a second form of payment, different than the first form of payment, from the buyer to a second biller. Other inventive steps include facilitating appending first stored data to the data specifying the first form of payment to the first biller, to effectuate payment to the first biller by the first form of payment; and facilitating appending second stored data to the data specifying the second form of payment to the second biller, to effectuate payment to the second biller by the second form of payment.

6. 发明申请

WO2006026418A2 METHOD AND SYSTEM FOR AUTOMATED PAYMENT AUTHORIZATION AND SETTLEMENT 审中-公开
标题翻译：自动付款授权和结算方法与系统
公开(公告)号：WO2006026418A2
公开(公告)日：2006-03-09
申请号：PCT/US2005/030384
申请日：2005-08-25
申请人： MASTERCARD INTERNATIONAL INCORPORATED , KRIKORIAN, Shari , PHILLIOU, Philip, J. , DOWNS, Edward
发明人： KRIKORIAN, Shari , PHILLIOU, Philip, J. , DOWNS, Edward
CPC分类号： G06Q20/02 , G06Q20/14 , G06Q20/204 , G06Q20/24 , G06Q20/40 , G06Q30/04 , G06Q30/06
摘要： The present invention provides a system and method to enable a third party service provider of EIPP services to initiate authorization and settlement of payment card payments with invoice line item data (Level III data), on behalf of either Buyer/Payers or Supplier/Payees to credit card acquirers and/or transaction processors. Payment initiation is based on submission of either a pre-approved invoice or order confirmation validated against a purchase order, or an invoice approved by the Buyer/Payer organization and scheduled for payment.
摘要翻译：本发明提供一种使得EIPP服务的第三方服务提供商能够代表买方/付款人或供应商/收款人以发票行项目数据（等级III数据）开始支付卡付款的授权和结算的系统和方法信用卡收单人和/或交易处理器。付款开始是基于提交预先批准的发票或根据采购订单验证的订单确认，或由买方/付款人组织批准并计划付款的发票。

7. 发明专利

IL181401D0 METHOD AND SYSTEM FOR AUTOMATED PAYMENT AUTHORIZATION AND SETTLEMENT 未知
公开(公告)号：IL181401D0
公开(公告)日：2007-07-04
申请号：IL18140107
申请日：2007-02-18
申请人： MASTERCARD INTERNATIONAL INC , KRIKORIAN SHARI , PHILLIOU PHILIP J , DOWNS EDWARD
摘要： The present invention provides a system and method to enable a third party service provider of EIPP services to initiate authorization and settlement of payment card payments with invoice line item data (Level III data), on behalf of either Buyer/Payers or Supplier/Payees to credit card acquirers and/or transaction processors. Payment initiation is based on submission of either a pre-approved invoice or order confirmation validated against a purchase order, or an invoice approved by the Buyer/Payer organization and scheduled for payment.

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