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11. 发明授权

US06597770B2 Method and system for authorization of account-based transactions 有权
公开(公告)号：US06597770B2
公开(公告)日：2003-07-22
申请号：US09994569
申请日：2001-11-27
申请人： Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
发明人： Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
IPC分类号： H04M1100
CPC分类号： G07F7/08 , G06Q20/04 , G06Q20/12 , G06Q20/385 , G06Q20/4037 , G06Q20/425 , H04L29/06 , H04L67/14 , H04L69/329
摘要： One embodiment of the present invention comprises receiving an indication of a first person; associating the first person with an account; receiving an indication of a second person; associating the second person with the account; receiving a request to authorize a transaction between the second person and a third party; determining whether the first person desires to communicate with the second person; and enabling communication between the first person and the second person if the first person desires to communicate with the second person.

12. 发明授权

US07536349B1 Method and apparatus for processing a charge applied to a financial account 失效
标题翻译：用于处理应用于金融账户的费用的方法和装置
公开(公告)号：US07536349B1
公开(公告)日：2009-05-19
申请号：US09098481
申请日：1998-06-16
申请人： Magdalena Mik , Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
发明人： Magdalena Mik , Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
IPC分类号： G06Q40/00 , G06F17/60
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q30/04 , G06Q40/08 , G06Q50/22
摘要： A billing server receives charge data from a card authorization terminal. The charge data indicates a transaction amount, such as a purchase price, and a first financial account, such as a credit card account. The billing server determines a second financial account that corresponds to the first financial account. For example, the second financial account may be the financial account of an insurance company or other reimbursing party. The billing server also determines a reimbursement amount that corresponds to the first financial account. The second financial account is charged the reimbursement amount. Thus, a portion or all of the transaction amount is paid by a reimbursing party. The second financial account is only charged if a reimbursement rule is satisfied. For example, only purchases made at certain types of merchants may be reimbursed. In addition, the billing server may first request approval before charging the second financial account.
摘要翻译：计费服务器从卡授权终端接收费用数据。费用数据表示交易金额，例如购买价格，以及第一个金融账户，如信用卡账户。计费服务器确定对应于第一金融账户的第二金融账户。例如，第二财务帐户可以是保险公司或其他报销方的财务账户。计费服务器还确定对应于第一金融账户的报销金额。第二个财务帐户收取报销金额。因此，一部分或全部交易金额由偿付方支付。第二个财务帐户只有在偿还规定得到满足的情况下才会被收取。例如，只有在某些类型的商家进行的购买可能会被报销。此外，计费服务器可以在对第二金融账户收费之前首先请求批准。

13. 发明授权

US06405174B1 Method and apparatus for defining routing of customers between merchants 有权
标题翻译：用于定义商家之间客户路线的方法和装置
公开(公告)号：US06405174B1
公开(公告)日：2002-06-11
申请号：US09166405
申请日：1998-10-05
申请人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
发明人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
IPC分类号： G06F1760
CPC分类号： G06Q30/0231 , G06Q10/06311 , G06Q10/06316 , G06Q20/20 , G06Q20/204 , G06Q20/387 , G06Q30/02 , G06Q30/0201 , G06Q30/0211 , G06Q30/0219 , G06Q30/0235 , G06Q30/0236 , G06Q30/0238 , G06Q30/0239 , G06Q30/0601 , G06Q30/0611 , G06Q40/04 , G07G1/14
摘要： A server or Internet service provider computer selects a soliciting merchant and an outputting merchant based on various factors. In one embodiment, the soliciting merchant is selected if its activity rate (e.g. sales rate) is low. The outputting merchant provides offers for bonuses to customers on behalf of the soliciting merchant. The bonus is provided to the customer in exchange for consummating a transaction with the soliciting merchant. Thus, the soliciting merchant benefits from the increased patronage such offers encourage.
摘要翻译：服务器或因特网服务提供商计算机根据各种因素选择一个招揽商家和一个输出商家。在一个实施例中，如果其活动率（例如销售率）低，则选择征求商家。出货商代表征求商家向客户提供奖金。向客户提供奖金，以换取与征求商家的交易。因此，征求商人受益于这种提供鼓励的增加的惠顾。

14. 发明授权

US08751297B2 Method and apparatus for defining routing of customers between merchants 有权
标题翻译：用于定义商家之间客户路线的方法和装置
公开(公告)号：US08751297B2
公开(公告)日：2014-06-10
申请号：US12111637
申请日：2008-04-29
申请人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
发明人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , Magdalena Mik , James A. Jorasch
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0231 , G06Q10/06311 , G06Q10/06316 , G06Q20/20 , G06Q20/204 , G06Q20/387 , G06Q30/02 , G06Q30/0201 , G06Q30/0211 , G06Q30/0219 , G06Q30/0235 , G06Q30/0236 , G06Q30/0238 , G06Q30/0239 , G06Q30/0601 , G06Q30/0611 , G06Q40/04 , G07G1/14
摘要： A server or Internet service provider computer selects a soliciting merchant and an outputting merchant based on various factors. In one embodiment, the soliciting merchant is selected is its activity rate (e.g. sales rate) is low. The outputting merchant provides offers for bonuses to customers on behalf of the soliciting merchant. The bonus is provided to the customer in exchange for consummating a transaction with the soliciting merchant. Thus, the soliciting merchant benefits from the increased patronage such offers encourage.
摘要翻译：服务器或因特网服务提供商计算机根据各种因素选择一个招揽商家和一个输出商家。在一个实施例中，所选择的商户是其活动率（例如销售率）低。出货商代表征求商家向客户提供奖金。向客户提供奖金，以换取与征求商家完成交易。因此，征求商人受益于这种提供鼓励的增加的惠顾。

15. 发明授权

US08208612B2 System and method for facilitating account-based transactions 有权
标题翻译：用于促进基于帐户的交易的系统和方法
公开(公告)号：US08208612B2
公开(公告)日：2012-06-26
申请号：US12245995
申请日：2008-10-06
申请人： Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
发明人： Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
IPC分类号： H04M11/00
CPC分类号： G06Q20/401 , G06Q20/02 , G06Q20/04 , G06Q20/12 , G06Q20/16 , G06Q20/385 , G06Q20/4037 , G06Q20/409 , G06Q20/425 , G06Q30/0284 , G06Q40/00 , G06Q40/12 , G07F7/08 , H04L29/06 , H04L67/14 , H04L69/329
摘要： Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.
摘要翻译：提出了系统，方法和设备，以促进基于帐户的交易。在一个实施例中，该方法包括将第一人员与帐户相关联，将第二人员与该帐户相关联，接收来自第三方的请求以授权第二人与第三方之间的交易，确定第二人与第三方之间的第一通信地址第一方，并联系第一方。该过程还包括确定第一人希望与第二人通信，确定第二人的第二通信地址，发起第一人与第二人之间的通信，以及接收来自第一人的授权的第一人的信号交易或拒绝交易。

16. 发明授权

US07433451B2 System and method for facilitating account-based transactions 有权
标题翻译：用于促进基于帐户的交易的系统和方法
公开(公告)号：US07433451B2
公开(公告)日：2008-10-07
申请号：US10603110
申请日：2003-06-24
申请人： Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
发明人： Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
IPC分类号： H04M11/00
CPC分类号： G06Q20/401 , G06Q20/02 , G06Q20/04 , G06Q20/12 , G06Q20/16 , G06Q20/385 , G06Q20/4037 , G06Q20/409 , G06Q20/425 , G06Q30/0284 , G06Q40/00 , G06Q40/12 , G07F7/08 , H04L29/06 , H04L67/14 , H04L69/329
摘要： One embodiment of the present invention comprises associating a first person with an account, associating a second person with the account, receiving a request to authorize a transaction between the second person and a third party, and enabling communication between the first person and the second person.
摘要翻译：本发明的一个实施例包括将第一人员与帐户相关联，将第二人员与帐户相关联，接收授权第二人与第三方之间的交易的请求，以及使得第一人与第二人之间的通信。

17. 发明授权

US5999596A Method and system for controlling authorization of credit card transactions 失效
标题翻译：控制信用卡交易授权的方法和系统
公开(公告)号：US5999596A
公开(公告)日：1999-12-07
申请号：US36131
申请日：1998-03-06
申请人： Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
发明人： Jay S. Walker , Daniel E. Tedesco , Andrew S. Van Luchene , James A. Jorasch
IPC分类号： G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/38 , G06Q20/40 , G06Q20/42 , G07F7/08 , H04L29/06 , H04L29/08 , H04M11/00
CPC分类号： G06Q20/425 , G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/385 , G06Q20/4037 , G07F7/08
摘要： A method and apparatus for controlling credit card use. As described in one aspect of the disclosure, a method is disclosed for facilitating communication between a first person (e.g., an account holder) and a second person (e.g., a user) so that the first person may authorize a transaction between the second person and a third party (e.g., a merchant). The method comprises the steps of linking the first and second persons to a financial account that is used for the transaction, receiving data identifying the financial account and the third party from the third party, inquiring whether the first person desires to communicate with the second person based on the data identifying the financial account, and enabling communication between the first and second persons based on a response to the inquiry from the first person and the data identifying the third party. In this way, the first person can control the authorization or denial of a transaction executed by a user based on circumstances surrounding the transaction.
摘要翻译：一种用于控制信用卡使用的方法和装置。如在本公开的一个方面中所描述的，公开了一种用于促进第一人（例如，账户持有者）和第二人（例如，用户）之间的通信的方法，使得第一人可以授权第二人之间的交易和第三方（如商家）。该方法包括以下步骤：将第一和第二人员连接到用于交易的金融账户，从第三方接收识别金融帐户和第三方的数据，询问第一人是否希望与第二人通信基于识别财务帐户的数据，以及基于对来自第一人的查询的响应和识别第三方的数据，实现第一和第二人之间的通信。以这种方式，第一人可以基于交易的环境来控制用户执行的交易的授权或拒绝。

18. 发明申请

US20130060621A1 MULTI-TIER PRICING OF INDIVIDUAL PRODUCTS BASED ON VOLUME DISCOUNTS 审中-公开
标题翻译：基于体积折扣的个性化产品的多层次定价
公开(公告)号：US20130060621A1
公开(公告)日：2013-03-07
申请号：US13599137
申请日：2012-08-30
申请人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
发明人： Jay S. Walker , Andrew S. Van Luchene , Magdalena Mik , Daniel E. Tedesco
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02 , G06Q20/202 , G06Q20/387 , G06Q30/0222 , G07G1/145
摘要： A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated threshold purchase total that has to be satisfied before the discount price is applied to a transaction. When a transaction occurs, the purchase total for the transaction is first calculated on the basis of full retail prices for the products and the purchase total for the transaction is compared with one or more threshold purchase totals which correspond to the discount pricing tiers. If a discount pricing tier is applicable (e.g. the calculated purchase total for the transaction is at least equal to a threshold purchase total), the appropriate discount prices for each product in the transaction are retrieved and used to calculate a reduced purchase total for the transaction. Qualification for discount pricing can also be based on, for example, a customer's purchasing history, or the number of a certain type of product included in the transaction instead of the purchase total of a transaction.
摘要翻译：销售系统或其他计算机系统存储产品定价数据库，其中针对可出售的每个产品存储对应于一个或多个折扣价格层的全价和折扣价格。给定产品的每个折扣价格都有相关的门槛购买总额，在折扣价格应用于交易之前必须满足。当交易发生时，交易的购买总额首先根据产品的全部零售价格计算，并将交易的购买总额与对应于折扣价格层级的一个或多个门槛购买总额进行比较。如果适用折扣价格层级（例如交易的计算购买总额至少等于门槛购买总额），则会检索交易中每个产品的适当折扣价格，并用于计算交易的减少购买总额。折扣定价的资格也可以基于例如客户的采购历史，或交易中包括的特定类型的产品的数量，而不是交易的购买总额。

19. 发明申请

US20100106587A1 Multi-tier pricing of individual products based on volume discounts 有权
标题翻译：基于批量折扣的单个产品的多层次定价
公开(公告)号：US20100106587A1
公开(公告)日：2010-04-29
申请号：US12592220
申请日：2009-11-20
申请人： Jay S. Walker , Andrew S. Van Luchene , Madgalena Mik , Daniel E. Tedesco
发明人： Jay S. Walker , Andrew S. Van Luchene , Madgalena Mik , Daniel E. Tedesco
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/202 , G06Q20/387 , G06Q30/0222 , G07G1/145
摘要： A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated threshold purchase total that has to be satisfied before the discount price is applied to a transaction. When a transaction occurs, the purchase total for the transaction is first calculated on the basis of full retail prices for the products and the purchase total for the transaction is compared with one or more threshold purchase totals which correspond to the discount pricing tiers. If a discount pricing tier is applicable (e.g. the calculated purchase total for the transaction is at least equal to a threshold purchase total), the appropriate discount prices for each product in the transaction are retrieved and used to calculate a reduced purchase total for the transaction. Qualification for discount pricing can also be based on, for example, a customer's purchasing history, or the number of a certain type of product included in the transaction instead of the purchase total of a transaction.
摘要翻译：销售系统或其他计算机系统存储产品定价数据库，其中针对可出售的每个产品存储对应于一个或多个折扣价格层的全价和折扣价格。给定产品的每个折扣价格都有相关的门槛购买总额，在折扣价格应用于交易之前必须满足。当交易发生时，交易的购买总额首先根据产品的全部零售价格计算，并将交易的购买总额与对应于折扣价格层级的一个或多个门槛购买总额进行比较。如果适用折扣价格层级（例如交易的计算购买总额至少等于门槛购买总额），则会检索交易中每个产品的适当折扣价格，并用于计算交易的减少购买总额。折扣定价的资格也可以基于例如客户的采购历史，或交易中包括的特定类型的产品的数量，而不是交易的购买总额。

20. 发明授权

US07383200B1 Method and apparatus for collecting and categorizing data at a terminal 有权
标题翻译：在终端收集和分类数据的方法和装置
公开(公告)号：US07383200B1
公开(公告)日：2008-06-03
申请号：US09609931
申请日：2000-06-30
申请人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , John B. Dickerson , Keith Bemer , Russell P. Sammon , Andrew P. Golden , Anna Rath , Magdalena Mik Fincham , Geoffrey M. Gelman
发明人： Jay S. Walker , Andrew S. Van Luchene , Daniel E. Tedesco , John B. Dickerson , Keith Bemer , Russell P. Sammon , Andrew P. Golden , Anna Rath , Magdalena Mik Fincham , Geoffrey M. Gelman
IPC分类号： G06F17/30 , G07G1/00
CPC分类号： G06Q30/02 , G06Q10/063114 , G06Q10/06398 , G06Q30/0201 , G06Q30/0203 , G06Q30/0204
摘要： A method and system for collecting and categorizing survey data includes receiving customer information from a customer. A query is identified based at least in part on the customer information. The query is output for presentation to the customer. In one embodiment, the query is presented to the customer by prompting an employee, such as a clerk at a point-of-sale terminal, to verbally present the question to the customer. A customer response to the query is then received. The request from the customer may be, e.g., a request to purchase one or more products or it may be a request for assistance or information. The customer response is then captured and analyzed.
摘要翻译：用于收集和分类调查数据的方法和系统包括从客户接收客户信息。至少部分地基于客户信息来识别查询。输出查询以呈现给客户。在一个实施例中，通过促使诸如销售点终端的职员的雇员向客户口头提出问题来向客户呈现查询。然后接收到对查询的客户响应。来自客户的请求可以是例如购买一个或多个产品的请求，或者它可以是协助或信息的请求。然后捕获和分析客户响应。

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