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1. 发明授权

US07877402B1 Method and system for providing network search results based in part on a user's financial data 有权
标题翻译：部分基于用户的财务数据提供网络搜索结果的方法和系统
公开(公告)号：US07877402B1
公开(公告)日：2011-01-25
申请号：US12014711
申请日：2008-01-15
申请人： Benjamin Weiss , Lisa Cohen Gevelber , Todd M. Fitch , James Robert Del Favero
发明人： Benjamin Weiss , Lisa Cohen Gevelber , Todd M. Fitch , James Robert Del Favero
IPC分类号： G06F17/30 , G06F7/00
CPC分类号： G06F17/30867 , G06Q30/0215 , G06Q40/00
摘要： A method and system for providing relevant search results using financial data includes a process for providing relevant search results using financial data whereby a user's financial transaction data is obtained from one or more sources. A user then initiates a network search using one or more network search parameters such as one or more keywords and/or phrases. The scope of the one or more network search parameters, and therefore the scope of the network search, are then determined and/or modified based, at least in part, on the user's financial data.
摘要翻译：使用财务数据提供相关搜索结果的方法和系统包括使用财务数据提供相关搜索结果的过程，从而从一个或多个来源获得用户的金融交易数据。然后，用户使用一个或多个网络搜索参数（诸如一个或多个关键词和/或短语）来发起网络搜索。至少部分地基于用户的财务数据来确定和/或修改一个或多个网络搜索参数的范围，因此网络搜索的范围。

2. 发明授权

US07966216B1 Method and system to identify and target consumers based on their spending behavior with respect to supplementary income 有权
标题翻译：方法和系统根据消费者在补充收入上的行为来确定和定位消费者
公开(公告)号：US07966216B1
公开(公告)日：2011-06-21
申请号：US12059234
申请日：2008-03-31
申请人： Lisa Cohen Gevelber , Todd M. Fitch , Benjamin Weiss
发明人： Lisa Cohen Gevelber , Todd M. Fitch , Benjamin Weiss
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q30/0249 , G06Q30/0255 , G06Q30/0269 , G06Q40/12
摘要： In accordance with one embodiment, a system and method for providing consumers marketing devices based on their use of supplementary income includes obtaining consumer financial data associated with a given “consumer” from one or more sources. At least part of the consumer financial data is then analyzed to determine if the given consumer typically receives supplementary income and, if so, how the consumer typically treats any supplementary income received. A supplementary income profile is then created for the given consumer. Data representing the supplementary income profile for the given consumer is then stored and at least part of the data representing the supplementary income profile for the given consumer is provided to one or more product marketers. One or more product marketers then provide a marketing device to the given consumer. The marketing device itself, and/or the time when the marketing device is provided to the given consumer, and/or the terms of the marketing device, is/are based, at least in part, on the data representing the supplementary income profile for the given consumer provided to one or more product marketers and analysis of the data representing the supplementary income profile for the given consumer performed by the product marketers.
摘要翻译：根据一个实施例，一种用于基于其使用补充收入来提供消费者营销设备的系统和方法包括从一个或多个来源获得与给定“消费者”相关联的消费者财务数据。然后分析至少部分消费者财务数据，以确定给定消费者是否通常收到补充收入，如果是，消费者通常会如何处理收到的任何补充收入。然后为给定的消费者创建补充收入简介。然后存储表示给定消费者的补充收入简档的数据，并且将表示给定消费者的补充收入简档的数据的至少一部分提供给一个或多个产品营销人员。一个或多个产品营销商然后向给定的消费者提供营销设备。营销设备本身和/或营销设备提供给给定消费者的时间和/或营销设备的条款至少部分地基于表示用于给定的消费者提供给一个或多个产品营销人员，并分析代表由产品营销人员执行的给定消费者的补充收入简介的数据。

3. 发明授权

US08688553B1 Method and system for using consumer financial data in product market analysis 有权
标题翻译：在产品市场分析中使用消费者财务数据的方法和系统
公开(公告)号：US08688553B1
公开(公告)日：2014-04-01
申请号：US12059878
申请日：2008-03-31
申请人： Benjamin Weiss , Todd M. Fitch , John Reed Flora
发明人： Benjamin Weiss , Todd M. Fitch , John Reed Flora
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02
摘要： A system and method for product market analysis using consumer financial data obtains financial data associated with a given consumer. At least part of the consumer financial data is then stored by the process for product market analysis using consumer financial data, or another party/application, typically in accounts/locations associated with the given consumer. An electronic media based marketing device is then provided by a product marketer, the electronic media based marketing device being capable of activation. When a consumer activates the electronic media based marketing device at least part of the consumer financial data associated with the consumer is transferred to the product marketer. As a result, the product marketer obtains significant amounts of information for market analysis purposes such as creating a potential consumer profile and determining a target market for the given product an/or service.
摘要翻译：使用消费者财务数据的产品市场分析的系统和方法获得与给定消费者相关联的财务数据。消费者财务数据的至少一部分然后通过消费者财务数据或通常在与给定消费者相关联的帐户/位置中的另一方/应用程序的过程存储在产品市场分析中。然后由产品营销人员提供基于电子媒体的营销设备，基于电子媒体的营销设备能够激活。当消费者激活基于电子媒体的营销设备时，至少部分与消费者相关联的消费者财务数据被转移到产品营销者。因此，产品营销人员获得大量信息用于市场分析目的，例如创建潜在消费者资料并确定给定产品一个或多个服务的目标市场。

4. 发明授权

US08209229B1 Method and system for determining the actual cost of a product or service using financial data 有权
标题翻译：使用财务数据确定产品或服务的实际成本的方法和系统
公开(公告)号：US08209229B1
公开(公告)日：2012-06-26
申请号：US12104081
申请日：2008-04-16
申请人： Benjamin Weiss , Todd M. Fitch
发明人： Benjamin Weiss , Todd M. Fitch
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0283 , G06Q30/0601 , G06Q30/0611 , G06Q30/0623 , G06Q30/0639 , G06Q30/0641 , G06Q40/12
摘要： A system and method for determining the actual cost of a product and/or service includes a process for determining the actual cost of a product and/or service whereby financial data associated with one or more “contributing consumers” is obtained from one or more sources. The financial data includes data associated with specific financial transactions. The financial data, and/or specific financial transactions are categorized and/or associated with a specific purchase of a product and/or service. The financial data obtained from one or more contributing consumers is then aggregated, processed, and/or categorized, according to the identified and specific product and/or service associated with the financial data. A “user consumer” then initiates a request for financial data associated with the purchase of a specified product and/or service. The financial data obtained from one or more contributing consumers is then searched and actual price paid data associated with the purchase of the specified product is presented to the user consumer.
摘要翻译：用于确定产品和/或服务的实际成本的系统和方法包括确定产品和/或服务的实际成本的过程，其中从一个或多个来源获得与一个或多个“贡献消费者”相关联的财务数据。财务数据包括与特定金融交易相关的数据。财务数据和/或特定财务交易被分类和/或与特定购买产品和/或服务相关联。然后，根据与财务数据相关联的所识别的和特定的产品和/或服务，将从一个或多个贡献消费者获得的财务数据进行聚合，处理和/或分类。 “用户消费者”然后启动与购买指定产品和/或服务相关联的财务数据的请求。然后搜索从一个或多个贡献消费者获得的财务数据，并将与购买指定产品相关联的实际价格支付数据呈现给用户消费者。

5. 发明授权

US08219504B1 Method and system for estimating the actual cost of a product or service using financial data 有权
标题翻译：使用财务数据估算产品或服务的实际成本的方法和系统
公开(公告)号：US08219504B1
公开(公告)日：2012-07-10
申请号：US12020457
申请日：2008-01-25
申请人： Benjamin Weiss , Todd M. Fitch , Glynis Hively
发明人： Benjamin Weiss , Todd M. Fitch , Glynis Hively
IPC分类号： G06Q99/00
CPC分类号： G06Q30/0203 , G06Q30/0283 , G06Q30/0601 , G06Q50/01
摘要： Financial data associated with one or more “contributing consumers” is obtained from one or more sources. The financial data includes data associated with specific financial transactions and the specific financial transactions are tagged as sharable by the contributing consumers. The financial data, and/or specific financial transactions are categorized by the contributing consumers, and/or associated with a specific purchase of a parent product and/or service. The financial data obtained from one or more contributing consumers is then aggregated, processed, and/or categorized, according to the parent product and/or service associated with the financial data. A “user consumer” then initiates a request for financial data associated with the purchase of a specified product and/or service. The financial data obtained from one or more contributing consumers is then searched and data associated with the purchase of the specified product and/or service and any other secondary purchases, is presented to the user consumer.
摘要翻译：从一个或多个来源获得与一个或多个“贡献消费者”相关联的财务数据。财务数据包括与特定金融交易相关联的数据，特定的金融交易由贡献消费者标记为可共享。财务数据和/或特定财务交易由贡献消费者分类，和/或与特定购买母产品和/或服务相关联。然后，根据与财务数据相关联的母产品和/或服务，从一个或多个贡献消费者获得的财务数据被聚合，处理和/或分类。 “用户消费者”然后启动与购买指定产品和/或服务相关联的财务数据的请求。然后搜索从一个或多个贡献消费者获得的财务数据，并将与购买指定产品和/或服务以及任何其它二次购买相关联的数据呈现给用户消费者。

6. 发明申请

US20100100402A1 METHOD AND SYSTEM FOR DETERMINING AND SETTING ENVIRONMENTAL IMPACT RELATED PRICE POINTS 审中-公开
标题翻译：用于确定和设置环境影响相关价格点的方法和系统
公开(公告)号：US20100100402A1
公开(公告)日：2010-04-22
申请号：US12253650
申请日：2008-10-17
申请人： Rupesh Dilip Shah , Benjamin Weiss , Todd M. Fitch , Barron R. Ernst
发明人： Rupesh Dilip Shah , Benjamin Weiss , Todd M. Fitch , Barron R. Ernst
IPC分类号： G06Q10/00 , G06Q30/00 , G06Q50/00
CPC分类号： G06Q10/06 , G06Q30/0283 , G06Q40/123 , G06Q50/06 , Y02P90/90
摘要： A system and method for price setting based on environmental impact whereby the environmental impact of a product and/or service is determined based on defined parameters. An environmental impact of a given product and/or service is also determined for various levels of consumption of the given product and/or service. An environmental impact goal is then established for the given product and/or service. An environmental impact goal level of consumption of the given product and/or service is then determined that will yield the desired environmental impact goal. An environmental impact goal price-point for the given product and/or service that will yield the environmental impact goal level of consumption that, in turn, will yield the desired environmental impact goal is then determined. The price of the given product or service is then set at the environmental impact goal price-point for the given product and/or service using one or more of various price setting mechanisms.
摘要翻译：基于环境影响的价格设定的系统和方法，其中基于确定的参数来确定产品和/或服务的环境影响。给定产品和/或服务的环境影响也针对给定产品和/或服务的各种消费水平确定。然后为给定的产品和/或服务建立一个环境影响目标。然后确定给定产品和/或服务的环境影响目标消费水平，这将产生期望的环境影响目标。然后确定将产生环境影响目标消费水平的给定产品和/或服务的环境影响目标价格点，从而产生期望的环境影响目标。然后，使用一种或多种各种价格设定机制，将给定产品或服务的价格设置在给定产品和/或服务的环境影响目标价格点上。

7. 发明授权

US07996244B1 Systems and methods for mobile healthcare alerts 有权
标题翻译：移动医疗警报的系统和方法
公开(公告)号：US07996244B1
公开(公告)日：2011-08-09
申请号：US11742249
申请日：2007-04-30
申请人： Todd M. Fitch
发明人： Todd M. Fitch
IPC分类号： G06F19/00
CPC分类号： G06Q50/24 , G06F19/00 , G16H10/60 , G16H10/65
摘要： Various embodiments of a method and apparatus for a portable medical alert mechanism stores health information on a portable electronic device and provides the health information to a health professional. In some embodiments, the health information may include information about a health condition, a health history, current medications, current medication dosages, allergies, or instructions. The health information may be on the portable electronic device and/or downloaded from a web-based application. In some embodiments, the health information may be selected and transferred to the portable electronic device by the system user from an external computer system. The health information stored on the portable electronic device may be periodically updated. The system user (or the portable electronic device) may have an indication of the presence of the health information on the portable electronic device (e.g., on a bracelet).
摘要翻译：用于便携式医疗警报机构的方法和装置的各种实施例将健康信息存储在便携式电子设备上，并将健康信息提供给健康专业人员。在一些实施方案中，健康信息可以包括关于健康状况，健康史，当前药物，当前药物剂量，过敏或指令的信息。健康信息可以在便携式电子设备上和/或从基于网络的应用程序下载。在一些实施例中，可以由系统用户从外部计算机系统选择健康信息并将其传送到便携式电子设备。可以定期更新存储在便携式电子设备上的健康信息。系统用户（或便携式电子设备）可以在便携式电子设备（例如，手镯）上具有健康信息的存在的指示。

8. 发明授权

US08060395B1 Method and system for priority-based appointment scheduling 有权
标题翻译：基于优先级的约会调度的方法和系统
公开(公告)号：US08060395B1
公开(公告)日：2011-11-15
申请号：US11769997
申请日：2007-06-28
申请人： Thomas A. Frasher , Todd M. Fitch , Steven A. Sholtis
发明人： Thomas A. Frasher , Todd M. Fitch , Steven A. Sholtis
IPC分类号： G06F9/46
CPC分类号： G06Q10/1093 , G06F19/00
摘要： A priority-based scheduling service may schedule appointments between service providers and service consumers by assigning a priority to an appointment request based on one or more factors. The scheduling service may take into consideration the history of the service consumer and the purpose or reason for the appointment request. In addition, preferences indicated by the service provider and service consumer may be taken into consideration by the scheduling service. A prioritized appointment request may be scheduled dependent upon how high or low a priority has been assigned to the request. The scheduling service may apply rules during the prioritizing and scheduling processes. Rules may be configured by the service providers. Once the appointment has been scheduled by the scheduling service, notification may be sent to the service provider and service consumer. Communication between the scheduling service, service providers and service consumers may be accomplished via a communications network.
摘要翻译：基于优先级的调度服务可以基于一个或多个因素来为约定请求分配优先级，从而在服务提供者和服务消费者之间调度约会。调度服务可以考虑服务消费者的历史以及该约定请求的目的或原因。此外，服务提供商和服务使用者指示的偏好可以由调度服务考虑在内。可以根据优先级被分配给请求的高或低来安排优先预约请求。调度服务可以在优先级排序和调度过程中应用规则。规则可能由服务提供商配置。一旦调度服务已经安排了约会，可以向服务提供商和服务消费者发送通知。调度服务，服务提供商和服务使用者之间的通信可以通过通信网络实现。

9. 发明授权

US5633909A Apparatus and method for generating calls and testing telephone equipment 失效
标题翻译：用于产生电话和测试电话设备的装置和方法
公开(公告)号：US5633909A
公开(公告)日：1997-05-27
申请号：US413464
申请日：1995-03-28
申请人： Todd M. Fitch
发明人： Todd M. Fitch
IPC分类号： H04M3/32 , H04M3/533 , H04M1/24 , H04M1/64 , H04M3/08
CPC分类号： H04M3/323 , H04M3/533
摘要： A testing system, also known as a call generator, generates telephone calls to test telephone equipment. The call generator includes a processor, a memory for storing processor procedures and test cases, and a communication interface. The procedures include a test case procedure for calling a system under test (SUT), interacting with the SUT, and accessing voice mailboxes located in the SUT. The call generator sends messages to the SUT. Then the call generator calls the SUT to once again access the voice mailboxes, and retrieves the stored messages. The call generator compares the retrieved messages with the delivered messages, or parameters representative of the delivered messages, to verify the retrieved messages. The call generator also has the capability to store, communicate, and verify other types of electronic information including facsimiles and electronic mail. The call generator may also operate on a network for communicating test cases and other database information to and from other users. The call generator and method are also applicable to testing private branch exchanges (PBX) and other telephone equipment.
摘要翻译：测试系统（也称为呼叫发生器）产生电话来测试电话设备。呼叫发生器包括处理器，用于存储处理器过程和测试用例的存储器以及通信接口。这些过程包括一个测试用例程序，用于调用被测系统（SUT），与SUT进行交互，以及访问位于SUT中的语音信箱。呼叫生成器向SUT发送消息。然后呼叫生成器调用SUT再次访问语音邮箱，并检索存储的消息。呼叫发生器将检索到的消息与传递的消息或表示所传送消息的参数进行比较，以验证检索到的消息。呼叫发生器还具有存储，通信和验证其他类型的电子信息（包括传真和电子邮件）的能力。呼叫发生器还可以在网络上操作以向其他用户传送测试用例和其他数据库信息。呼叫发生器和方法也适用于测试私人交换机（PBX）和其他电话设备。

10. 发明授权

US08725578B2 Method and apparatus for authorizing a financial transaction 有权
标题翻译：授权金融交易的方法和设备
公开(公告)号：US08725578B2
公开(公告)日：2014-05-13
申请号：US12022832
申请日：2008-01-30
申请人： Benjamin R. Weiss , Jim Del Favero , Todd M. Fitch
发明人： Benjamin R. Weiss , Jim Del Favero , Todd M. Fitch
IPC分类号： G06Q20/00
CPC分类号： G06Q40/00 , G06Q20/20 , G06Q20/204 , G06Q20/3224 , G06Q20/40
摘要： A system that authorizes a financial transaction is presented. During operation, the system receives a request to authorize accounts associated with one or more financial instruments to be used to fulfill the financial transaction. Next, the system determines a transaction location at which the financial transaction is being performed. The system then determines whether the accounts are authorized to be used at the transaction location. If so, the system authorizes the accounts to be used to fulfill the financial transaction.
摘要翻译：介绍了授权金融交易的系统。在操作期间，系统收到授权与一个或多个金融工具相关联的帐户以用于履行金融交易的请求。接下来，系统确定正在执行金融交易的交易位置。系统然后确定帐户是否被授权在交易位置使用。如果是这样，系统授权帐户用于履行金融交易。

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