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1. 发明授权

US08464937B2 Account control method and system that allows only eligible and authorized items to be purchased using the account 有权
标题翻译：帐户控制方法和系统，只允许使用该帐户购买合格和授权的物品
公开(公告)号：US08464937B2
公开(公告)日：2013-06-18
申请号：US13004827
申请日：2011-01-11
申请人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, Jr. , Jeffrey Jay Erdmann
发明人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, Jr. , Jeffrey Jay Erdmann
IPC分类号： G06K5/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/04 , G06Q20/20 , G06Q20/204 , G06Q20/208 , G06Q20/40 , G06Q50/22
摘要： The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least one item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.
摘要翻译：本发明涉及一种实时账户控制方法和系统，其仅允许使用该账户购买符合资格和授权的项目。本发明特别涉及诸如灵活支出帐户和健康报销安排之类的医疗开支帐户。该方法可以包括以下步骤：建立至少一个帐户，每个帐户具有帐户持有者; 使用其中一个帐户识别有资格购买的至少一个项目; 使用其中一个帐户识别至少一个授权购买的商品; 并且根据请求，使用其中一个帐户购买商品，授权购买金额不超过该帐户中的可用余额，只有该商品既是被识别为有资格购买的商品，也是授权购买的商品。

2. 发明授权

US07866548B2 Account control method and system that allows only eligible and authorized items to be purchased using the account 有权
标题翻译：帐户控制方法和系统，只允许使用该帐户购买合格和授权的物品
公开(公告)号：US07866548B2
公开(公告)日：2011-01-11
申请号：US11285053
申请日：2005-11-22
申请人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, Jr. , Jeffrey Jay Erdmann
发明人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, Jr. , Jeffrey Jay Erdmann
IPC分类号： G06K5/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/04 , G06Q20/20 , G06Q20/204 , G06Q20/208 , G06Q20/40 , G06Q50/22
摘要： The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least on item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.
摘要翻译：本发明涉及一种实时账户控制方法和系统，其仅允许使用该账户购买符合资格和授权的项目。本发明特别涉及诸如灵活支出帐户和健康报销安排之类的医疗开支帐户。该方法可以包括以下步骤：建立至少一个帐户，每个帐户具有帐户持有者; 使用其中一个帐户至少识别符合资格购买的项目; 使用其中一个帐户识别至少一个授权购买的商品; 并且根据请求，使用其中一个帐户购买商品，授权购买金额不超过该帐户中的可用余额，只有该商品既是被识别为有资格购买的商品，也是授权购买的商品。

3. 发明申请

US20110173083A1 Account Control Method and System that Allows Only Eligible and Authorized Items to be Purchased Using the Account 有权
标题翻译：允许使用账户购买合格和授权项目的账户控制方法和系统
公开(公告)号：US20110173083A1
公开(公告)日：2011-07-14
申请号：US13004827
申请日：2011-01-11
申请人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, JR. , Jeffrey Jay Erdmann
发明人： Cullen L. Reed , Richard L. Stephenson , Steven T. Brown , Joanne E. Gruchalski , Henry A. Widenski, JR. , Jeffrey Jay Erdmann
IPC分类号： G06Q20/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/04 , G06Q20/20 , G06Q20/204 , G06Q20/208 , G06Q20/40 , G06Q50/22
摘要： The present invention relates to a real time account control method and system that allows only eligible and authorized items to be purchased using the account. The present invention relates particularly to healthcare spending accounts such as flexible spending accounts and health reimbursement arrangements. The method can comprise the steps of: establishing at least one account, each account having an account holder; identifying at least one item eligible for purchase using one of the accounts; identifying at least one item authorized for purchase using one of the accounts; and, upon request to purchase an item using one of the accounts, authorizing the purchase for an amount not to exceed an available balance in that account only if the item is both an item identified as eligible for purchase and an item authorized for purchase.
摘要翻译：本发明涉及一种实时账户控制方法和系统，其仅允许使用该账户购买符合资格和授权的项目。本发明特别涉及诸如灵活支出帐户和健康报销安排之类的医疗开支帐户。该方法可以包括以下步骤：建立至少一个帐户，每个帐户具有帐户持有者; 使用其中一个帐户识别有资格购买的至少一个项目; 使用其中一个帐户识别至少一个授权购买的商品; 并且根据请求，使用其中一个帐户购买商品，授权购买金额不超过该帐户中的可用余额，只有该商品既是被识别为有资格购买的商品，也是授权购买的商品。

4. 发明授权

US08412540B2 Healthcare eligibility transactions 有权
标题翻译：医疗资格交易
公开(公告)号：US08412540B2
公开(公告)日：2013-04-02
申请号：US12893609
申请日：2010-09-29
申请人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, Jr. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
发明人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, Jr. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
IPC分类号： G06Q10/00 , G06Q50/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/203 , G06Q20/209 , G06Q20/40 , G06Q30/0633 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.
摘要翻译：方法和系统允许服务提供商的注册，并允许向服务提供商提供资格信息。从销售点终端通过金融网络接收注册信息。注册信息具有与销售点终端相关联的标识符和服务提供商的标识。标识符与识别设置在数据库中的服务提供商的位置处的设备的信息相关联，允许建立到设备的通信路径。销售点终端的注册确认通过通信路径发送到设备。

5. 发明授权

US07822624B2 Healthcare eligibility transactions 有权
标题翻译：医疗资格交易
公开(公告)号：US07822624B2
公开(公告)日：2010-10-26
申请号：US11460208
申请日：2006-07-26
申请人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, Jr. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
发明人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, Jr. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
IPC分类号： G06Q10/00 , G06Q50/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/203 , G06Q20/209 , G06Q20/40 , G06Q30/0633 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.
摘要翻译：方法和系统允许服务提供商的注册，并允许向服务提供商提供资格信息。从销售点终端通过金融网络接收注册信息。注册信息具有与销售点终端相关联的标识符和服务提供商的标识。标识符与识别设置在数据库中的服务提供商的位置处的设备的信息相关联，允许建立到设备的通信路径。销售点终端的注册确认通过通信路径发送到设备。

6. 发明申请

US20110106570A1 HEALTHCARE ELIGIBILITY TRANSACTIONS 有权
标题翻译：健康资格交易
公开(公告)号：US20110106570A1
公开(公告)日：2011-05-05
申请号：US12893609
申请日：2010-09-29
申请人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, JR. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
发明人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski, JR. , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/203 , G06Q20/209 , G06Q20/40 , G06Q30/0633 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.
摘要翻译：方法和系统允许服务提供商的注册，并允许向服务提供商提供资格信息。从销售点终端通过金融网络接收注册信息。注册信息具有与销售点终端相关联的标识符和服务提供商的标识。标识符与识别设置在数据库中的服务提供商的位置处的设备的信息相关联，允许建立到设备的通信路径。销售点终端的注册确认通过通信路径发送到设备。

7. 发明申请

US20080027863A1 HEALTHCARE ELIGIBILITY TRANSACTIONS 有权
标题翻译：健康资格交易
公开(公告)号：US20080027863A1
公开(公告)日：2008-01-31
申请号：US11460208
申请日：2006-07-26
申请人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
发明人： Jeffrey Jay Erdmann , Steven T. Brown , Joanne E. Gruchalski , Rosanne Marie Butkowski , Douglas Luther Norman , Henry Anthony Widenski , Jimmie Lindsey , Greg Leininger , Mark Andrew Neuville , Daniel L. Perry
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06F19/00 , G06Q20/203 , G06Q20/209 , G06Q20/40 , G06Q30/0633 , G06Q40/08 , G06Q50/22 , G06Q50/24
摘要： Methods and systems permit registration of a service provider and permit eligibility information to be provided to the service provider. Registration information is received over a financial network from a point-of-sale terminal. The registration information has an identifier associated with the point-of-sale terminal and an identification of the service provider. The identifier is associated with information identifying a device disposed at a location of the service provider in a database, permitting a communication path to the device to be established. A confirmation of registration of the point-of-sale terminal is transmitted to the device over the communication path.
摘要翻译：方法和系统允许服务提供商的注册，并允许向服务提供商提供资格信息。从销售点终端通过金融网络接收注册信息。注册信息具有与销售点终端相关联的标识符和服务提供商的标识。标识符与识别设置在数据库中的服务提供商的位置处的设备的信息相关联，允许建立到设备的通信路径。销售点终端的注册确认通过通信路径发送到设备。

8. 发明授权

US08490869B2 Predictive authorization techniques 有权
标题翻译：预测授权技术
公开(公告)号：US08490869B2
公开(公告)日：2013-07-23
申请号：US11382620
申请日：2006-05-10
申请人： Steven T. Brown
发明人： Steven T. Brown
IPC分类号： G06Q10/10
CPC分类号： G06Q40/04 , G06Q20/10 , G06Q20/40
摘要： Methods and systems are provided for processing a transaction. An authorization request for the transaction is received over a financial network. The authorization request includes account information and transaction information specifying at least a transaction amount. A financial account is identified from the account information. A history of the financial account is analyzed to generate a prediction of a balance of the financial account at a specified future time. It is determined that the balance of the financial account at the specified future time will support the transaction for the transaction amount. An approval response is accordingly generated for the transaction.
摘要翻译：提供了处理事务的方法和系统。通过金融网络接收交易的授权请求。授权请求包括至少指定交易量的帐户信息和交易信息。从帐户信息中确定一个财务帐户。分析财务账目的历史，以便在指定的未来时间产生财务账户余额的预测。确定在指定的未来时间的金融账户余额将支持交易金额的交易。相应地为交易生成批准响应。

9. 发明授权

US08315802B2 Systems and methods for analyzing the use of mobile resources 有权
标题翻译：用于分析移动资源使用的系统和方法
公开(公告)号：US08315802B2
公开(公告)日：2012-11-20
申请号：US12369078
申请日：2009-02-11
申请人： Steven T. Brown
发明人： Steven T. Brown
IPC分类号： G01C21/34
CPC分类号： G01C21/20 , G01C21/00 , G01C21/34 , G01C21/3415 , G06Q10/047 , G06Q10/06 , G06Q10/063 , G06Q10/06311 , G06Q10/083 , G06Q50/30 , G08G1/0968 , G08G1/20
摘要： A system for analyzing the use of a mobile resource, such as a vehicle, includes a central processing unit adapted to receive a plurality of geographic locations and create an optimal travel route between the geographic locations, and an analyzer device incorporating global positioning satellite (GPS) technology being positionable with a mobile resource for comparing an actual route traveled by the mobile resource with the optimal travel route created by the central processing unit. The central processing unit includes mobile resource management software stored therein adapted to use pre-selected criteria for creating the optimal travel route. The pre-selected criteria may include time, distance, cost, load parameters, territory, and customer requirements.
摘要翻译：用于分析诸如车辆的移动资源的使用的系统包括适于接收多个地理位置并在地理位置之间创建最佳行进路线的中央处理单元，以及包括全球定位卫星（GPS））技术可用移动资源定位，用于将由移动资源行进的实际路由与由中央处理单元创建的最佳旅行路线进行比较。中央处理单元包括存储在其中的移动资源管理软件，其适于使用用于创建最佳旅行路线的预选标准。预先选择的标准可以包括时间，距离，成本，负载参数，领域和客户要求。

10. 发明授权

US09384487B2 Phone number payments for bill payments users 有权
标题翻译：帐单付款用户的电话号码付款
公开(公告)号：US09384487B2
公开(公告)日：2016-07-05
申请号：US13016274
申请日：2011-01-28
申请人： Steven T. Brown
发明人： Steven T. Brown
IPC分类号： G06Q40/00 , G06Q20/42 , G06Q20/10 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/425 , G06Q20/102 , G06Q20/32 , G06Q20/325 , G06Q20/40
摘要： Described herein are methods and systems for registering a phone number as a payment facilitator. The phone number can be registered through a user's Bill Pay account, which is associated to the user's financial account. The user can specify the types of purchases that can be made using the phone number and request that a merchant processing a payment using the phone number convey customized details regarding the purchase. Purchase details associated with a purchase can then be provided to the consumer by the merchant. Also described herein are methods and systems for processing a payment using a phone number. The payment can be processed, in part, by a payment processor providing a consumer with a Bill Pay account associated with the consumer's financial account. The payment can be processed without the use of a credit card network and, as a result, without incurring unnecessary Interchange fees.
摘要翻译：这里描述了用于将电话号码注册为支付促进者的方法和系统。电话号码可以通过与用户的财务帐户相关联的用户帐单支付帐户进行注册。用户可以使用电话号码指定可以进行的购买类型，并请求使用电话号码处理付款的商家传达关于购买的定制细节。然后可以由商家向消费者提供与购买相关联的购买细节。本文还描述了使用电话号码处理支付的方法和系统。支付可以部分地由支付处理器处理，向消费者提供与消费者的金融账户相关联的账单支付帐户。付款可以在不使用信用卡网络的情况下处理，因此不会产生不必要的交换费用。

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