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21. 发明授权

US07801762B2 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：US07801762B2
公开(公告)日：2010-09-21
申请号：US12420397
申请日：2009-04-08
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 point-of-sale terminal determines an upsell to offer in exchange for a round-up amount in connection with a purchase. In one embodiment, 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 a round-up amount (e.g., change due the customer).
摘要翻译：销售点终端确定提供的加售，以换取与购买相关的总计金额。在一个实施例中，销售点终端优选地维护至少一个加售价格和相应加售的数据库，以提供客户以换取总计金额（例如，由于客户而改变）。

22. 发明申请

US20090228381A1 METHOD AND APPARATUS FOR PROCESSING A CHARGE APPLIED TO A FINANCIAL ACCOUNT 审中-公开
标题翻译：用于处理适用于财务帐目的费用的方法和装置
公开(公告)号：US20090228381A1
公开(公告)日：2009-09-10
申请号：US12468637
申请日：2009-05-19
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： G06Q20/00 , G06Q30/00 , G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q30/04 , G06Q40/08 , G06Q50/22
摘要： In one embodiment, 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：在一个实施例中，记帐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。

23. 发明授权

US07458892B2 Systems and methods for facilitating play of a casino game via expiring prepaid plays of the casino game 有权
标题翻译：用于通过过期赌场游戏的预付费玩来促进赌场游戏的系统和方法
公开(公告)号：US07458892B2
公开(公告)日：2008-12-02
申请号：US11413928
申请日：2006-04-28
申请人： Jay S. Walker , James A. Jorasch , Andrew S. Van Luchene , Geoffrey M. Gelman , Magdalena M. Fincham
发明人： Jay S. Walker , James A. Jorasch , Andrew S. Van Luchene , Geoffrey M. Gelman , Magdalena M. Fincham
IPC分类号： A63F13/00 , A63F9/24 , G06F17/00 , G06F19/00
CPC分类号： G07F17/3244 , A63F9/24 , G06Q30/0209 , G07F17/32 , G07F17/3248 , G07F17/3251 , G07F17/3269
摘要： In accordance with at least one embodiment, an expiring prepaid casino account is disclosed. The expiring prepaid casino account has associated therewith an amount of money, time, and/or game plays. The amount of money, time, and/or game plays expires in predetermined portions over a plurality of defined expiration periods, thus encouraging a player to return to a casino during each of the predefined expiration periods. The present invention may be implemented via either a brick-and-mortar casino or an online casino.
摘要翻译：根据至少一个实施例，公开了到期的预付赌场帐户。到期的预付赌场帐户与其相关联的金额，时间和/或游戏玩法的数量。金额，时间和/或游戏玩法在多个定义的期满期限内到达预定部分，从而鼓励玩家在每个预定义的期满期间返回到娱乐场。本发明可以通过实体赌场或在线赌场来实现。

24. 发明申请

US20080201194A1 METHOD AND APPARATUS FOR DEFINING ROUTING OF CUSTOMERS BETWEEN MERCHANTS 有权
标题翻译：用于定义商品间客户路由的方法和装置
公开(公告)号：US20080201194A1
公开(公告)日：2008-08-21
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 , G06Q10/00
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。

25. 发明授权

US07099832B2 Method and apparatus for defining routing of customers between merchants 有权
公开(公告)号：US07099832B2
公开(公告)日：2006-08-29
申请号：US10118620
申请日：2002-04-05
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： G06F17/60
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.

26. 发明授权

US06980968B1 Method and apparatus for providing and processing installment plans at a terminal 有权
标题翻译：在终端提供和处理分期付款计划的方法和装置
公开(公告)号：US06980968B1
公开(公告)日：2005-12-27
申请号：US09654341
申请日：2000-09-08
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 , G06Q30/00 , G06Q40/00 , G06F17/60
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/20 , G06Q30/0601 , G06Q40/00 , G06Q40/02 , G06Q40/025 , G06Q40/12
摘要： A central controller receives from a POS terminal a purchase price and a financial account identifier. The financial account identifier specifies a financial account, such as a credit card account. The central controller, in turn, generates one or more installment plan identifiers defining installment plans for payment of the purchase price. The installment plan identifiers are based on the purchase price and/or the financial account identifier. For example, certain accounts or certain high purchase prices may merit preferred installment plans. The installment plan identifiers are transmitted to the POS terminal. A purchaser at the POS terminal selects whether he would like to pay for his purchase in installments and, if so, using which installment plan. The POS terminal generates a selection signal indicative of whether to accept any of the installment plans, and transmits the selection signal to the central controller. The central controller receives the 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 are generated which reflect installment charges to be paid.
摘要翻译：中央控制器从POS终端接收购买价格和金融帐户标识符。财务帐户标识符指定一个金融账户，如信用卡账户。中央控制器又产生一个或多个分期计划标识符，用于定义用于支付购买价格的分期付款计划。分期付款计划标识符是基于购买价格和/或金融账户标识符。例如，某些帐户或某些高购买价格可能值得优先分期付款计划。分期付款计划标识符被发送到POS终端。 POS终端的购买者选择是否愿意分期付款，如果是，请使用分期付款方案。 POS终端产生指示是否接受任何分期计划的选择信号，并将选择信号发送到中央控制器。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，生成了要支付的分期付款的票据。

27. 发明授权

US06203427B1 Method and apparatus for securing a computer-based game of chance 失效
公开(公告)号：US06203427B1
公开(公告)日：2001-03-20
申请号：US08888049
申请日：1997-07-03
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.

28. 发明授权

US6119099A Method and system for processing supplementary product sales at a point-of-sale terminal 失效
公开(公告)号：US6119099A
公开(公告)日：2000-09-12
申请号：US920116
申请日：1997-08-26
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 , G07C15/00 , G07F5/24 , G07F9/02 , G07F17/32 , G07G1/00 , G07G1/12 , G07G5/00 , G06F17/60
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 , G07F17/32 , G07F17/3248 , G07F17/3255 , G07F17/329 , G07F5/24 , G07F9/02 , 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.

29. 发明授权

US08666041B2 System and method for facilitating account-based transactions 失效
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：US08666041B2
公开(公告)日：2014-03-04
申请号：US13531677
申请日：2012-06-25
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。

30. 发明授权

US08280769B2 Method and apparatus for administering a reward program 有权
标题翻译：用于管理奖励计划的方法和装置
公开(公告)号：US08280769B2
公开(公告)日：2012-10-02
申请号：US11946435
申请日：2007-11-28
申请人： Jay S. Walker , Andrew S. Van Luchene , James A. Jorasch , Dean Alderucci
发明人： Jay S. Walker , Andrew S. Van Luchene , James A. Jorasch , Dean Alderucci
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0211 , G06Q30/02 , G06Q30/0204 , G06Q30/0212 , G06Q30/0236 , G06Q30/0239
摘要： In accordance with one embodiment of the present invention, a controller calculates a measurement of product success, such as the number of products sold or the market share of the product. A set of registrations which are “early-adopter” registrations are selected. The set of registrations thereby defines a set of early-adopter purchasers. If the measurement of product success is within a predetermined range, a reward, such as a refund or a free product, is provided to each early-adopter purchaser.
摘要翻译：根据本发明的一个实施例，控制器计算产品成功的测量，诸如所销售的产品的数量或产品的市场份额。选择一组早期采用者注册的注册。这套注册因此定义了一套早期采用者购买者。如果产品成功的测量在预定范围内，则向每个早期采购者购买者提供奖励，例如退款或免费产品。

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