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1. 发明申请

US20060100960A1 Systems and methods for integrating multiple interaction arrangements 有权
标题翻译：整合多重交互安排的系统和方法
公开(公告)号：US20060100960A1
公开(公告)日：2006-05-11
申请号：US10960894
申请日：2004-10-06
申请人： Michael Rodin , David Baumgartner , Eric Eldred , Erik Crawford , Karen Larsen , Kenneth Timbers , Kevin Harte , Terra Geiger
发明人： Michael Rodin , David Baumgartner , Eric Eldred , Erik Crawford , Karen Larsen , Kenneth Timbers , Kevin Harte , Terra Geiger
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q10/02 , G06Q20/102 , G06Q30/0607 , G06Q40/02
摘要： Methods and systems are provided for executing such a bilateral action. A communication is received at a host system. A determination is made that the communication identifies a physical instrument that identifies an account of stored value. A request is transmitted to another host system to debit the account by an amount identified in the communication to support the bilateral action. A confirmation is received from the other host system that the account of stored value has been debited. An approval for the bilateral action is transmitted to an originating communications device.
摘要翻译：提供了执行这种双边行动的方法和系统。主机系统接收到通信。确定通信识别识别存储值的帐户的物理仪器。向另一个主机系统发送一个请求，将帐户的金额扣除通信中确定的金额以支持双边行动。从其他主机系统收到的存储值已被扣除的确认。将双边行动的批准传送给始发通信设备。

2. 发明授权

US07647246B2 Systems and method for integrating multiple interaction arrangements 有权
标题翻译：整合多重交互安排的系统和方法
公开(公告)号：US07647246B2
公开(公告)日：2010-01-12
申请号：US10960894
申请日：2004-10-06
申请人： Michael Rodin , David Baumgartner , Eric Eldred , Erik S. Crawford , Karen Larsen , Kenneth Timbers , Kevin Harte , Terra Geiger
发明人： Michael Rodin , David Baumgartner , Eric Eldred , Erik S. Crawford , Karen Larsen , Kenneth Timbers , Kevin Harte , Terra Geiger
IPC分类号： G06Q30/00
CPC分类号： G06Q30/04 , G06Q10/02 , G06Q20/102 , G06Q30/0607 , G06Q40/02
摘要： Methods and systems are provided for executing such a bilateral action. A communication is received at a host system. A determination is made that the communication identifies a physical instrument that identifies an account of stored value. A request is transmitted to another host system to debit the account by an amount identified in the communication to support the bilateral action. A confirmation is received from the other host system that the account of stored value has been debited. An approval for the bilateral action is transmitted to an originating communications device.
摘要翻译：提供了执行这种双边行动的方法和系统。主机系统接收到通信。确定通信识别识别存储值的帐户的物理仪器。向另一个主机系统发送一个请求，将帐户的金额扣除通信中确定的金额以支持双边行动。从其他主机系统收到的存储值已被扣除的确认。将双边行动的批准传送给始发通信设备。

3. 发明申请

US20090327111A1 BILL PAYMENT IN ASSOCIATION WITH TELEVISION SERVICE PROVIDERS SYSTEMS AND METHODS 审中-公开
标题翻译：在与电视服务提供商系统和方法的协调中付款
公开(公告)号：US20090327111A1
公开(公告)日：2009-12-31
申请号：US12495225
申请日：2009-06-30
申请人： Kurt Bulawa , Terra Geiger , Gail Galuppo , Scott Paintin
发明人： Kurt Bulawa , Terra Geiger , Gail Galuppo , Scott Paintin
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00
CPC分类号： H04N21/2543 , G06Q20/102 , G06Q20/14 , G06Q30/04 , H04N7/17318 , H04N21/25875 , H04N21/478 , H04N21/4882
摘要： Systems, methods, and devices for a television-based bill payment system are disclosed. The methods and systems include a television system that is configured to receive and transmit user-specific information and to display a user interface. The methods and systems also include a television provider network that is operated by a television service provider, configured to transmit and receive user-specific information with the television system and the television service provider network is configured to communicate with a bill payment provider. The methods and systems include a bill payment provider that communicates with the various billers. The bill payment provider is configured to communicate with the user through the televisions service provider network, and the bill payment provider is configured to bill a funding source selected by the user from the one or more funding sources.
摘要翻译：公开了一种用于基于电视的帐单支付系统的系统，方法和装置。所述方法和系统包括被配置为接收和发送用户特定信息并显示用户界面的电视系统。所述方法和系统还包括由电视服务提供商操作的电视提供商网络，被配置为与电视系统发送和接收用户特定信息，并且电视服务提供商网络被配置为与帐单支付提供商进行通信。所述方法和系统包括与各种帐户通信的账单支付提供商。账单支付提供者被配置为通过电视服务提供商网络与用户进行通信，并且账单支付提供商被配置为从一个或多个资金来源对由用户选择的资金来源进行账单。

4. 发明申请

US20060059040A1 Systems and methods of data transfer in a distributed computer network 审中-公开
标题翻译：分布式计算机网络中数据传输的系统和方法
公开(公告)号：US20060059040A1
公开(公告)日：2006-03-16
申请号：US10927629
申请日：2004-08-25
申请人： Eric Eldred , Terra Geiger , Erik Crawford , David Baumgartner , Karen Larsen
发明人： Eric Eldred , Terra Geiger , Erik Crawford , David Baumgartner , Karen Larsen
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/387 , G06Q30/02 , G06Q30/0226 , G06Q30/0235 , G06Q30/0236 , G06Q30/0238
摘要： A method of transporting electronic data in a distributed computer network, where the method includes receiving, at a first network node, a first data packet that includes a network event identifier, a user account identifier, and network event data, where the user account identifier points to a location on the first network node where the user account is stored, and the network event data define an operation between a user and a network operator. The method also includes processing the network event parameters with a loyalty algorithm to generate a loyalty value parameter; and calculating an updated account value parameter for the user account using the loyalty value parameter.
摘要翻译：一种在分布式计算机网络中传送电子数据的方法，其中所述方法包括在第一网络节点处接收包括网络事件标识符，用户帐户标识符和网络事件数据的第一数据分组，其中所述用户帐户标识符指向存储用户帐户的第一网络节点上的位置，并且网络事件数据定义用户和网络运营商之间的操作。该方法还包括利用忠诚度算法处理网络事件参数以产生忠诚度值参数; 以及使用忠诚度值参数计算用户帐户的更新的帐户价值参数。

5. 发明授权

US08612345B2 Routing for direct to account payments 有权
标题翻译：路由直接到帐户支付
公开(公告)号：US08612345B2
公开(公告)日：2013-12-17
申请号：US12946613
申请日：2010-11-15
申请人： Nicholas Lecuyer , Terra Geiger , Michael Kilbane
发明人： Nicholas Lecuyer , Terra Geiger , Michael Kilbane
IPC分类号： G06Q40/00
CPC分类号： G06Q20/26 , G06Q40/02 , G06Q40/06
摘要： Various systems and methods are described for analyzing multiple money transfer routing schemes. Each of these multiple money transfer routing schemes may comprise a route to transmit funds from the source for the money transfer transaction to the destination for the money transfer transaction. An internal money transfer routing scheme may refer to a money transfer routing scheme that utilizes a direct money transfer arrangement between the destination of the money transfer transaction and the money transfer network. An external money transfer routing scheme may refer to a money transfer routing scheme that utilizes at least one third party money transfer network between the destination of the money transfer transaction and the money transfer network. The multiple money transfer routing schemes may be analyzed and the preferable money transfer routing scheme at least partially based on the predefined criterion from among the multiple money transfer routing schemes may be identified.
摘要翻译：描述了用于分析多个汇款路由方案的各种系统和方法。这些多个汇款路由方案中的每一个可以包括将资金从汇款交易的来源传送到汇款交易的目的地的路线。内部货币转移路由方案可以指利用汇款交易的目的地与汇款网络之间的直接汇款安排的汇款路由方案。外部货币转移路由方案可以指利用在汇款交易的目的地与汇款网络之间的至少一个第三方汇款网络的汇款路由方案。可以分析多个货币转移路由方案，并且可以至少部分地基于来自多个货币转移路由选择方案中的预定准则来识别优选货币转移路由选择方案。

6. 发明申请

US20120123932A1 ROUTING FOR DIRECT TO ACCOUNT PAYMENTS 有权
标题翻译：直接支付账款的路由
公开(公告)号：US20120123932A1
公开(公告)日：2012-05-17
申请号：US12946613
申请日：2010-11-15
申请人： Nicholas LeCuyer , Terra Geiger , Michael Kilbane
发明人： Nicholas LeCuyer , Terra Geiger , Michael Kilbane
IPC分类号： G06Q40/00
CPC分类号： G06Q20/26 , G06Q40/02 , G06Q40/06
摘要： Various systems and methods are described for analyzing multiple money transfer routing schemes. Each of these multiple money transfer routing schemes may comprise a route to transmit funds from the source for the money transfer transaction to the destination for the money transfer transaction. An internal money transfer routing scheme may refer to a money transfer routing scheme that utilizes a direct money transfer arrangement between the destination of the money transfer transaction and the money transfer network. An external money transfer routing scheme may refer to a money transfer routing scheme that utilizes at least one third party money transfer network between the destination of the money transfer transaction and the money transfer network. The multiple money transfer routing schemes may be analyzed and the preferable money transfer routing scheme at least partially based on the predefined criterion from among the multiple money transfer routing schemes may be identified.
摘要翻译：描述了用于分析多个汇款路由方案的各种系统和方法。这些多个汇款路由方案中的每一个可以包括将资金从汇款交易的来源传送到汇款交易的目的地的路线。内部货币转移路由方案可以指利用汇款交易的目的地与汇款网络之间的直接汇款安排的汇款路由方案。外部货币转移路由方案可以指利用在汇款交易的目的地与汇款网络之间的至少一个第三方汇款网络的汇款路由方案。可以分析多个货币转移路由方案，并且可以至少部分地基于来自多个货币转移路由选择方案中的预定准则来识别优选货币转移路由选择方案。

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