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    • 6. 发明申请
    • Personally customizable credit card accounts
    • 个人可定制的信用卡帐户
    • US20050137971A1
    • 2005-06-23
    • US11063143
    • 2005-02-22
    • Jerry Malcolm
    • Jerry Malcolm
    • G06Q20/00G06Q40/00G06F17/60
    • G06Q40/02G06Q20/04G06Q20/10G06Q20/24G06Q20/40G06Q20/405G06Q40/00G06Q40/025G06Q40/12
    • Account holders may specify vendor-specific charge restrictions for charging transactions against their accounts, where each vendor-specific charge restriction includes a unique identifier for the corresponding vendor to which the charge restriction is applicable. The charge restriction may be an exclusion from approval of all charge authorization requests, an amount limit on charge authorization requests which may be approved, a “rebill” limit on the number of times subsequent charge authorization requests may be approved, or a combination of such restrictions and/or other restrictions. When a charge authorization request is received for a charge against an account having vendor-specific charge restrictions set by the account holder, the vendor identifier is extracted from the charge authorization request and employed to determine whether any charge restrictions are applicable to the requesting vendor. The vendor-specific charge restrictions for a particular vendor may be specified by the account holder either before or after an initial charge transactions involving that vendor, with the vendor identifier either manually entered by the account holder or automatically extracted from an account transaction record.
    • 帐户持有人可以指定针对其帐户的计费交易的供应商特定的费用限制,其中每个供应商特定的费用限制包括适用费用限制的相应供应商的唯一标识符。 收费限制可能不包括所有收费授权请求的批准,可能被批准的费用授权请求的限额,可以批准后续收费授权请求的次数的“重新提价”限制,或者这样的组合 限制和/或其他限制。 当接收到针对具有由账户持有者设置的具有供应商的费用限制的帐户的费用的收费授权请求时,从收费授权请求中提取供应商标识符,并且用于确定是否对请求的供应商适用任何收费限制。 特定供应商的特定于供应商的收费限制可以由帐户持有者在涉及该供应商的初始费用交易之前或之后指定,供应商标识符由账户持有者手动输入或者自动从账户交易记录中提取。
    • 9. 发明申请
    • Interceptor for non-subscribed bulk electronic messages
    • 非订阅批量电子消息的拦截器
    • US20050033810A1
    • 2005-02-10
    • US10636986
    • 2003-08-07
    • Jerry Malcolm
    • Jerry Malcolm
    • H04L12/58G06F15/16
    • H04L51/12
    • Bulk mail subscriptions by including a bulk mail class indicator and a sender identifier key value in the header portion of an electronic message. Messages which are properly identified as bulk class and include an approved sender identifier value are passed directly to the intended recipient. Messages which are properly identified as bulk class but which do not contain an approved sender identifier value are rejected or intercepted. Messages which do no indicate themselves to be bulk class, but which are determined to have characteristics of bulk mail are rejected or intercepted, as well.
    • 通过在电子消息的标题部分中包含批量邮件类别指示符和发送者标识符密钥值来进行批量邮件订阅。 正确识别为批量类并包含经批准的发件人标识符值的消息将直接传递到预期收件人。 被正确标识为批量类但不包含经批准的发件人标识符值的消息被拒绝或被拦截。 不表示自己是大宗课程但被确定为具有大量邮件特征的消息也被拒绝或被截获。