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61. 发明申请

US20120265639A1 SYSTEM AND METHOD FOR FACILITATING ACCOUNT-BASED TRANSACTIONS 失效
标题翻译：促进基于帐户交易的系统和方法
公开(公告)号：US20120265639A1
公开(公告)日：2012-10-18
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： G06Q30/06
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。

62. 发明申请

US20120191555A1 METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL 失效
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：US20120191555A1
公开(公告)日：2012-07-26
申请号：US13433008
申请日：2012-03-28
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： G06Q20/14 , G06Q20/20
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。

63. 发明授权

US08121922B2 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：US08121922B2
公开(公告)日：2012-02-21
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
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。

64. 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）。

65. 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。

66. 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.

67. 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.

68. 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。

69. 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。

70. 发明申请

US20120150672A1 METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL 失效
公开(公告)号：US20120150672A1
公开(公告)日：2012-06-14
申请号：US13401108
申请日：2012-02-21
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： G06Q20/14 , G06Q20/20
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.

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