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    • 3. 发明授权
    • Device and method for authorized funds transfer
    • 授权资金转帐的设备和方法
    • US06393411B1
    • 2002-05-21
    • US09119805
    • 1998-07-21
    • Richard Leslie BishopRobert Peter Freeman
    • Richard Leslie BishopRobert Peter Freeman
    • G06F1760
    • G06Q20/06G06Q20/40Y10T70/454Y10T70/465
    • A secure funds device for use with a computer system, such as a personal computer, for transferring funds, in response to a funds transfer request for amounts of funds from the computer system, to a funds receiver. One or more electronic cash devices store electronic funds and transfer funds in response to funds transfer request when authorized by an authorization signal. A processor is used for connecting the funds transfer request from the computer system to the electronic cash device and for transferring electronic funds from the electronic cash device to the computer system when the authorization signal is present. User control means, including for example a pushbutton switch and an LCD display, that is not accessible by the computer system is used for providing the authorization signal. The secure funds device has a secure interface that prevents the computer system from generating the authorization signal. The present invention prevents a computer from making unauthorized transfers from a electronic cash device such as a smart card.
    • 一种用于与计算机系统(例如个人计算机)一起用于转移资金的安全资金设备,以响应于从计算机系统的资金的资金转移请求到资金接收者。 当授权信号授权时,一个或多个电子现金设备存储电子资金和转账资金以响应资金转账请求。 处理器用于将来自计算机系统的资金转帐请求连接到电子现金支付设备,并且当存在授权信号时,用于将电子资金从电子现金设备传送到计算机系统。 使用不能由计算机系统访问的用户控制装置,例如按钮开关和LCD显示器,用于提供授权信号。 安全资金设备具有防止计算机系统生成授权信号的安全接口。 本发明防止计算机从诸如智能卡的电子现金设备进行未授权的转移。
    • 4. 发明申请
    • Methods and systems for valuing a business decision
    • 评估业务决策的方法和系统
    • US20050108084A1
    • 2005-05-19
    • US10914595
    • 2004-08-09
    • Sridhar RamamoortiPeter FreemanAnurag Agarwal
    • Sridhar RamamoortiPeter FreemanAnurag Agarwal
    • G06F20060101G06F17/60
    • G06Q10/06G06Q20/108
    • Methods, systems, and processor instructions to determine a first direct cost associated with at least a partial implementation of a business decision, the first direct cost including at least one of productivity gains and losses, determine a second direct cost based on a non-implementation of the business decision, the second direct cost based on the productivity gains and losses, determine a first risk reduction associated with at least a partial implementation of the business decision, the first risk reduction based on a business relationship risk(s), determine a second risk reduction associated with a non-implementation of the business decision, the second risk reduction based on the business relationship risk(s), and, associate the business decision with a value, the value corresponding to a sum between differences of: (i) the first direct cost and the second direct cost, and, (ii) the first risk reduction and the second risk reduction.
    • 用于确定与业务决策的至少部分实现相关联的第一直接成本的方法,系统和处理器指令,包括生产率增益和损失中的至少一个的第一直接成本基于不执行来确定第二直接成本 的第二次直接成本基于生产率损益确定与至少部分实施业务决策相关联的第一个风险降低,基于业务关系风险的第一次风险降低,确定一个 与业务决策的不实施相关的第二次风险降低,基于业务关系风险的第二次风险降低,并将业务决策与值相关联,该值对应于:(i )第一直接成本和第二直接成本,以及(ii)第一次风险降低和第二次风险降低。
    • 5. 发明申请
    • Real estate investment vehicle and method
    • 房地产投资工具及方法
    • US20080126235A1
    • 2008-05-29
    • US11524552
    • 2006-09-21
    • Peter SullivanPeter Freeman
    • Peter SullivanPeter Freeman
    • G06Q40/00
    • G06Q40/06G06Q40/04
    • An Investment System (Vehicle) invests or holds an ownership interest in real property, receiving income from the property for the benefit of the underlying owners in the Vehicle. The Vehicle offers fractional ownership interests to investors owning real property which are exchanged for an ownership in the Vehicle. Such exchanges obtain deferral of gains from appreciation in the value of the property, which would otherwise be taxable, by complying with the provisions of IRC section 1031. The Vehicle provides investors the ability to execute subsequent exchanges of ownership interests in the Vehicle, at the discretion of the exchanging owner, for a separate replacement property representing a more desirable investment. The Vehicle Sponsor facilitates such subsequent exchanges, via either a replacement investor that acquires the ownership in the Vehicle or by purchasing the exchanging owner's interest. Purchases could be financed using a liquidity facility or line of credit established for such purpose. A method of exchanging property to obtain the benefits of tax deferral of gains is also described.
    • 投资体系(车辆)投资或持有对房地产的所有者权益,从房产中获得收入,以使车辆中的潜在业主受益。 车辆为拥有车辆所有权的不动产投资者提供部分所有者权益。 这种交易通过遵守IRC第1031条的规定,将财产的价值从升值中推迟,否则将被纳税。车辆为投资者提供执行后续车辆所有者权益交易的能力, 交换所有人的酌处权,单独更换财产代表更可取的投资。 车辆赞助商通过获得车辆所有权的替代投资者或通过购买交易所拥有者的利益促进此后的交易。 可以使用为此目的而设立的流动性设施或信用额度来为采购提供资金。 还介绍了交换财产以获得税收延期收益的方法。