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91. 发明申请

US20110145121A1 METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL 有权
标题翻译：用于在终端提供和处理安装计划的方法和装置
公开(公告)号：US20110145121A1
公开(公告)日：2011-06-16
申请号：US13031284
申请日：2011-02-21
申请人： Jay S. Walker , James A. Jorasch , Andrew S. Van Luchene
发明人： Jay S. Walker , James A. Jorasch , Andrew S. Van Luchene
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q20/023 , G06Q10/087 , G06Q20/00 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/12 , G06Q20/14 , G06Q20/18 , G06Q20/20 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0238 , G06Q30/04 , G06Q30/06 , G06Q30/0601 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/04 , G06Q40/12 , G07C15/005 , G07F5/24 , G07F9/02 , G07F17/32 , G07F17/3248 , G07F17/3255 , G07F17/329 , G07G1/0036 , G07G1/12 , G07G5/00
摘要： According to some embodiments, a central controller receives a selection signal. If the selection signal indicates acceptance of any installment plan, use of the accepted installment plan for the financial account is authorized. Thereafter, bills may be generated that reflect installment charges to be paid.
摘要翻译：根据一些实施例，中央控制器接收选择信号。如果选择信号表示接受任何分期付款计划，则授权对该金融账户使用已接受的分期付款计划。此后，可能会产生反映要支付的分期付款的账单。

92. 发明授权

US07912758B2 Method and apparatus for product display 有权
标题翻译：产品展示的方法和装置
公开(公告)号：US07912758B2
公开(公告)日：2011-03-22
申请号：US11937743
申请日：2007-11-09
申请人： Jay S. Walker , Andrew S. Van Luchene , Magdalena M. Fincham
发明人： Jay S. Walker , Andrew S. Van Luchene , Magdalena M. Fincham
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/20 , G06Q20/203 , G06Q30/0238 , G06Q30/0241 , G06Q30/0242 , G06Q30/0251 , G06Q30/0273 , G06Q30/0601 , G06Q30/0623 , G06Q30/0631 , G06Q30/0643
摘要： Systems and methods are provided for receiving a request to display at least one product. A substitute product for the at least one product is selected from a plurality of substitute products. The selection may be based on, for example, expected revenue from display of the selected substitute product, expected revenue for purchase of the selected substitute product, or a substitution success rate. The selected substitute product is then displayed.
摘要翻译：提供了用于接收显示至少一个产品的请求的系统和方法。从多个替代产品中选择至少一种产品的替代产品。选择可以基于例如显示所选替代产品的预期收入，用于购买所选替代产品的预期收入或替代成功率。然后显示所选的替代产品。

93. 发明申请

US20100094751A1 APPARATUS AND METHODS FOR ENFORCING PURCHASE AGREEMENTS 有权
标题翻译：用于执行采购协议的装置和方法
公开(公告)号：US20100094751A1
公开(公告)日：2010-04-15
申请号：US12644196
申请日：2009-12-22
申请人： Jay S. Walker , Andrew S. Van Luchene , Jose A. Suarez , Magdalena M. Fincham , Dean P. Alderucci , James A. Jorasch , Robert C. Tedesco , Matthew D. Breitenbach
发明人： Jay S. Walker , Andrew S. Van Luchene , Jose A. Suarez , Magdalena M. Fincham , Dean P. Alderucci , James A. Jorasch , Robert C. Tedesco , Matthew D. Breitenbach
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q30/0207 , G06Q30/0225 , G06Q30/0268 , G06Q30/0283
摘要： Systems, apparatus, articles of manufacture and methods are provided for establishing (e.g., online) a buyer price for a first plurality of products. In one embodiment, the buyer price is lower than a retail price of the first plurality of products. A second plurality of products that the buyer has actually received during the subsequent transaction is determined. A penalty may be assessed if the first plurality of products does not correspond to the second plurality of products.
摘要翻译：提供系统，装置，制造和方法以建立（例如，在线）第一多个产品的买方价格。在一个实施例中，买方价格低于第一批产品的零售价。确定买方在后续交易中实际收到的第二组多个产品。如果第一多个产品不对应于第二个多个产品，则可以评估处罚。

94. 发明授权

US07587334B2 Method and system for processing supplementary product sales at a point-of-sale terminal 有权
标题翻译：在销售点终端处理辅助产品销售的方法和系统
公开(公告)号：US07587334B2
公开(公告)日：2009-09-08
申请号：US10625089
申请日：2003-07-22
申请人： Jay S. Walker , James A. Jorasch , Andrew S. Van Luchene
发明人： Jay S. Walker , James A. Jorasch , Andrew S. Van Luchene
IPC分类号： G06Q20/00 , A63F3/06 , A63F9/24 , G06F17/00 , G06F19/00
CPC分类号： G07C15/005 , G06Q10/087 , G06Q20/00 , G06Q20/12 , G06Q20/20 , G06Q20/201 , G06Q20/204 , G06Q20/387 , G06Q30/02 , G06Q30/0212 , G06Q30/0226 , G06Q30/0235 , G06Q30/0238 , G06Q30/0283 , G06Q30/06 , G06Q50/188 , G07F5/24 , G07F9/02 , G07F17/32 , G07F17/3248 , G07F17/3255 , G07F17/329 , G07G1/0036 , G07G1/12 , G07G5/00
摘要： A POS terminal determines an upsell to offer in exchange for the change due to a customer in connection with a purchase. The point-of-sale terminal preferably maintains a database of at least one upsell price and a corresponding upsell to offer a customer in exchange for the change due to him. If the customer accepts the upsell, the cashier so indicates by pressing a selection button on the POS terminal. The required payment amount for the customer to pay is then set equal to the rounded price, rather than the purchase price. Thus, the customer receives the upsell in exchange for the coins due to him, and the coins need not be exchanged between the customer and the POS terminal.
摘要翻译： POS终端确定提供的加售，以换取与购买有关的客户的更改。销售点终端优选地维护至少一个加售价格和相应的加售数据库，以提供客户以换取由他所引起的变化。如果客户接受加售，则出纳员通过按POS终端上的选择按钮来指示。然后将客户支付的所需支付金额设置为等于舍入的价格，而不是购买价格。因此，客户收到加价以换取因他而导致的硬币，并且硬币不需要在客户和POS终端之间进行交换。

95. 发明授权

US07293703B2 Apparatus and methods for enforcing purchase agreements 有权
标题翻译：执行采购协议的装置和方法
公开(公告)号：US07293703B2
公开(公告)日：2007-11-13
申请号：US10968340
申请日：2004-10-18
申请人： Jay S. Walker , Andrew S. Van Luchene , Jose A. Suarez , Magdalena M. Fincham , Dean P. Alderucci , James A. Jorasch , Robert C. Tedesco , Matthew D. Breitenbach
发明人： Jay S. Walker , Andrew S. Van Luchene , Jose A. Suarez , Magdalena M. Fincham , Dean P. Alderucci , James A. Jorasch , Robert C. Tedesco , Matthew D. Breitenbach
IPC分类号： G06K15/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q30/0207 , G06Q30/0225 , G06Q30/0268 , G06Q30/0283
摘要： Systems and methods are provided for establishing online a buyer price for a first plurality of products. The buyer price being lower than a retail price of the first plurality of products, the first plurality of products to be picked up during a subsequent transaction at a retailer. Thereafter, a second plurality of products which the buyer has actually received during the subsequent transaction is determined. A penalty may be assessed if the first and second plurality of products do not correspond.
摘要翻译：提供了系统和方法，用于在第一组多个产品上在线建立买方价格。购买者价格低于第一批产品的零售价格，即在零售商的后续交易期间要接收的第一批多个产品。此后，确定买方在后续交易中实际接收到的第二多个产品。如果第一和第二多个产品不对应，则可以评估处罚。

96. 发明授权

US06805290B2 Process and product for enforcing purchase agreements 有权
标题翻译：执行采购协议的流程和产品
公开(公告)号：US06805290B2
公开(公告)日：2004-10-19
申请号：US10100564
申请日：2002-03-15
申请人： Jay S. Walker , Andrew S. Van Luchene , Jose A. Suarez , Magdalena M. Fincham , Dean P. Alderucci
发明人： Jay S. Walker , Andrew S. Van Luchene , Jose A. Suarez , Magdalena M. Fincham , Dean P. Alderucci
IPC分类号： G06K1500
CPC分类号： G06Q20/24 , G06Q20/04 , G06Q30/02
摘要： Systems and methods are provided for establishing online a buyer price for a first plurality of products. The buyer price being lower than a retail price of the first plurality of products, the first plurality of products to be picked up during a subsequent transaction at a retailer. Thereafter, a second plurality of products which the buyer has actually received during the subsequent transaction is determined. A penalty may be assessed if the first and second plurality of products do not correspond.
摘要翻译：提供了系统和方法，用于在第一组多个产品上在线建立买方价格。购买者价格低于第一批产品的零售价格，即在零售商的后续交易期间要接收的第一批多个产品。此后，确定买方在后续交易中实际接收到的第二多个产品。如果第一和第二多个产品不对应，则可以评估处罚。

97. 发明授权

US06790139B2 Method and apparatus for securing a computer-based game of chance 失效
标题翻译：用于确保基于计算机的机会游戏的方法和装置
公开(公告)号：US06790139B2
公开(公告)日：2004-09-14
申请号：US09765165
申请日：2001-01-18
申请人： Jay S. Walker , Bruce Schneier , James A. Jorasch , Andrew S. Van Luchene
发明人： Jay S. Walker , Bruce Schneier , James A. Jorasch , Andrew S. Van Luchene
IPC分类号： A63F924
CPC分类号： G07F17/32 , G06Q50/34 , G07F17/3262 , G07F17/3288
摘要： A system is described for facilitating an Internet-based game of chance, particularly a computer-based version of a punchboard game having a grid with prizes associated with the various grid locations. The user can pay a central controller for each selection by providing a credit card number, or through other Internet transaction means. The central controller sends the user a fresh virtual punchboard (i.e. a game in which no selections have yet been made). The user selects a grid location, encrypts it, and then transmits it to the central controller. The central controller then generates prize values for the grid that it sent to the player. The user's computer stores the locations of each prize and determines whether the player's selection was a winner. If he has won, the player sends the decryption key to the central controller to decrypt his grid selection and authenticate his selection. The central controller then initiates a payment to the user.
摘要翻译：描述了一种用于促进基于因特网的机会游戏的系统，特别是具有与各种网格位置相关联的奖品的网格的打板游戏的基于计算机的版本。用户可以通过提供信用卡号码或通过其他因特网交易手段为每个选择支付中央控制器。中央控制器向用户发送新鲜的虚拟打孔板（即尚未进行选择的游戏）。用户选择网格位置，对其进行加密，然后将其传输到中央控制器。然后中央控制器为其发送给播放器的网格生成奖励值。用户的计算机存储每个奖品的位置，并确定玩家的选择是否是赢家。如果他赢了，玩家将解密密钥发送给中央控制器，对其网格选择进行解密并验证他的选择。中央控制器然后开始向用户付款。

98. 发明授权

US06598024B1 Method and system for processing supplementary product sales at a point-of-sale terminal 有权
公开(公告)号：US06598024B1
公开(公告)日：2003-07-22
申请号：US09442754
申请日：1999-11-12
申请人： Jay S. Walker , James A. Jorasch , Andrew S. Van Luchene
发明人： Jay S. Walker , James A. Jorasch , Andrew S. Van Luchene
IPC分类号： G06F1760
CPC分类号： G07C15/005 , G06Q10/087 , G06Q20/00 , G06Q20/12 , G06Q20/20 , G06Q20/201 , G06Q20/204 , G06Q20/387 , G06Q30/02 , G06Q30/0212 , G06Q30/0226 , G06Q30/0235 , G06Q30/0238 , G06Q30/0283 , G06Q30/06 , G06Q50/188 , G07F5/24 , G07F9/02 , G07F17/32 , G07F17/3248 , G07F17/3255 , G07F17/329 , G07G1/0036 , G07G1/12 , G07G5/00
摘要： A POS terminal determines an upsell to offer in exchange for the change due to a customer in connection with a purchase. The point-of-sale terminal preferably maintains a database of at least one upsell price and a corresponding upsell to offer a customer in exchange for the change due to him. If the customer accepts the upsell, the cashier so indicates by pressing a selection button on the POS terminal. The required payment amount for the customer to pay is then set equal to the rounded price, rather than the purchase price. Thus, the customer receives the upsell in exchange for the coins due to him, and the coins need not be exchanged between the customer and the POS terminal.

99. 发明授权

US06507822B1 Method and apparatus for managing the sale of aging products 有权
标题翻译：管理老化产品销售的方法和装置
公开(公告)号：US06507822B1
公开(公告)日：2003-01-14
申请号：US09563715
申请日：2000-05-02
申请人： Jay S. Walker , Andrew S. Van Luchene
发明人： Jay S. Walker , Andrew S. Van Luchene
IPC分类号： G06F1760
CPC分类号： G06Q30/02 , G06Q20/00 , G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/201 , G06Q30/06 , G06Q30/0601 , G06Q40/04 , G07F9/026
摘要： A store controller stores a series of prices for a product and respective effective periods during which the prices are effective. A customer submits an offer to buy the product at an “offer price” that is one of the series of prices. The offer also has an offer period that elapses when the respective effective period of the product price elapses. The offer period thereby defines a period during which the offer is effective and after which the offer cannot be accepted. Each offer further specifies (i) a customer identifier for identifying the customer, and (ii) funds or a payment identifier for specifying an account from which funds (typically the offer price) may be collected if the offer is accepted. The store controller then determines whether to accept the offer. If the offer is accepted, the store controller (i) initiates use of the payment identifier, if any, to collect the funds, and (ii) uses the customer identifier to identify the customer as having paid for the product. Thus, the customer pays for the product and the seller must deliver the product or otherwise inform the customer that the product has been sold to him.
摘要翻译：商店控制器存储产品的一系列价格以及价格有效的各个有效期。客户提交以“价格”为购买价格的产品，这是一系列价格之一。当产品价格的相应有效期过去时，报价也有过期的报价期。因此，要约期限是提供有效的期间，之后不能接受要约。每个报价进一步指定（i）用于识别客户的客户标识符，以及（ii）用于指定帐户的资金或支付标识符，如果该报价被接受，则可以从中收集资金（通常为报价）。然后，商店控制器确定是否接受要约。如果报价被接受，则商店控制器（i）开始使用支付标识符（如果有的话）来收集资金，以及（ii）使用客户识别符来识别客户已经为产品付款。因此，客户支付产品，卖方必须交付产品或以其他方式通知客户该产品已被出售给他。

100. 发明授权

US6108639A Conditional purchase offer (CPO) management system for collectibles 失效
标题翻译：有条件购买报价（CPO）收藏品管理系统
公开(公告)号：US6108639A
公开(公告)日：2000-08-22
申请号：US964967
申请日：1997-11-05
申请人： Jay S. Walker , Andrew S. Van Luchene
发明人： Jay S. Walker , Andrew S. Van Luchene
IPC分类号： G06Q20/00 , G07F9/02 , G06F17/60
CPC分类号： G06Q20/04 , G06Q10/02 , G06Q20/00 , G06Q20/02 , G06Q20/12 , G06Q20/24 , G06Q20/403 , G06Q30/02 , G06Q30/06 , G06Q30/0605 , G06Q30/0633 , G06Q30/08 , G06Q40/04 , G07F9/026
摘要： A collectible conditional purchase offer (CPO) management system is disclosed for receiving and processing individual CPOs from buyers for one or more collectibles, such as coins, stamps, art prints, comic books, baseball cards, jewelry, or other used or secondary market goods. The collectible CPO management system processes each received CPO to determine whether one or more sellers are willing to accent a given collectible CPO. If a seller accepts a given CPO, and ultimately delivers goods complying with the buyer's CPO, the buyer is bound on behalf of the accepting seller, to form a legally binding contract. The CPO is guaranteed, for example, by a general-purpose account, such as a credit or debit account. Once a CPO is accepted by a seller, but before completing the transaction, the goods are preferably forwarded to a dealer/authenticator for evaluation. The dealer/authenticator preferably validates, authenticates and optionally guarantees the goods, while also serving as the distribution point for the collectibles sold by the collectible CPO management system. In order to ensure that at least one of the accepting sellers will have the collectible item in the condition specified by the buyer, a number of sellers may conditionally accept each CPO. Each of the accepting seller(s) are preferably prioritized into a hierarchy based on predetermined criteria.
摘要翻译：披露有收购条件购买报价（CPO）管理系统，用于接收和处理来自买方的个人CPO，用于一个或多个收藏品，如硬币，邮票，艺术品，漫画书，棒球卡，珠宝或其他二手或二手市场商品。收集的CPO管理系统处理每个收到的CPO，以确定一个或多个卖家是否愿意强调给定的可收集的CPO。如果卖方接受给定的CPO，并最终交付符合买方CPO的货物，买方必须代表接受卖方订立合约，才能形成具有法律约束力的合约。 CPO的保证，例如通过通用帐户，如信用卡或借记帐户。一旦CPO被卖方接受，但在完成交易之前，货物最好被转发给经销商/认证者进行评估。经销商/认证者最好对商品进行验证，认证和可选保证，同时也作为可收集的CPO管理系统销售的收藏品的分发点。为了确保至少有一个接受卖方在买方规定的条件下拥有可收回的物品，一些卖方可以有条件地接受每一个CPO。每个接受卖方优选地基于预定的标准来优先考虑层级。

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