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1. 发明申请

US20060074765A1 Wireless network access prepayment systems and methods 有权
标题翻译：无线网络接入预付系统和方法
公开(公告)号：US20060074765A1
公开(公告)日：2006-04-06
申请号：US10953863
申请日：2004-09-28
申请人： Erik Crawford , Thomas Sayor , Kenneth Algiene
发明人： Erik Crawford , Thomas Sayor , Kenneth Algiene
IPC分类号： G06Q30/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q20/204 , G06Q30/0601 , G06Q30/0641 , G06Q40/04 , G06Q50/12 , H04L65/1069 , H04M2215/2026 , H04M2215/32 , H04W4/24 , H04W48/08
摘要： A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise.
摘要翻译：提供网络访问的方法包括在商家位置将网络访问信息输入商家设备。该信息涉及来自客户获得网络访问的请求。该方法还包括使信息从商家设备发送到主计算机系统，从客户接收付款，从商务设备处的主计算机系统接收激活确认，以及向客户提供呈现工具。演示文稿可能被客户用来获取网络访问。该方法还包括使用演示文书来解决与客户的商品的交易。

2. 发明申请

US20070016526A1 Staged transactions systems and methods 有权
标题翻译：分期交易系统和方法
公开(公告)号：US20070016526A1
公开(公告)日：2007-01-18
申请号：US11497813
申请日：2006-08-01
申请人： Kurt Hansen , Thomas Sayor , Sharon Vialpando , Kenneth Algiene
发明人： Kurt Hansen , Thomas Sayor , Sharon Vialpando , Kenneth Algiene
IPC分类号： G06Q40/00
CPC分类号： G07F7/02 , G06Q20/02 , G06Q20/04 , G06Q20/042 , G06Q20/085 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/12 , G06Q20/20 , G06Q20/28 , G06Q20/342 , G06Q20/3433 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/3821 , G06Q20/383 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/0207 , G06Q30/0277 , G06Q30/04 , G06Q30/0601 , G06Q40/00 , G07F7/025
摘要： Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment, a method for accepting payments from a consumer for a good or service provided by a merchant comprises receiving a transaction request from the merchant, receiving a payment from the consumer, associating the payment with the transaction request, and sending at least a portion of the payment to the merchant. In this manner, the merchant stages the transaction, and the consumer completes the transaction by making the payment. An optional time limit feature also may be used, and the transaction may be staged by the consumer, or others.
摘要翻译：用于接受商家提供的商品和服务的系统和方法。在一个实施例中，接收来自消费者对由商家提供的商品或服务的付款的方法包括从商家接收交易请求，从消费者接收支付，将支付与交易请求相关联，以及发送至少一个部分付款给商家。以这种方式，商家进行交易，消费者通过付款完成交易。也可以使用可选的时间限制功能，并且可以由消费者等进行交易。

3. 发明申请

US20060085335A1 Point of sale systems and methods for consumer bill payment 审中-公开
标题翻译：销售点销售系统和方法用于消费者帐单支付
公开(公告)号：US20060085335A1
公开(公告)日：2006-04-20
申请号：US10969767
申请日：2004-10-19
申请人： Erik Crawford , Thomas Sayor
发明人： Erik Crawford , Thomas Sayor
IPC分类号： G06Q40/00
CPC分类号： G06Q20/20 , G06Q20/102 , G06Q30/04
摘要： The present invention provides systems and methods of processing bill payments. One such method includes receiving a payment request from a customer. The payment request is for a bill associated with a vendor. The vendor may be any number of vendors including utility companies, mortgage lenders, credit card companies, financing companies for the purchase of furniture, appliances, or automobiles, and the like. The method includes verifying, using a point-of-sale device, whether the vendor is included in a group of authorizing vendors. A customer identification and a payment amount associated with the particular bill is received from the customer. The method further includes receiving a payment authorization and providing a receipt to the customer. In this manner, the customer may use a point-of-sale device to make on-time bill payments.
摘要翻译：本发明提供了处理账单支付的系统和方法。一种这样的方法包括从客户接收支付请求。付款请求是用于与供应商相关联的帐单。供应商可以是任何数量的供应商，包括公用事业公司，抵押贷款人，信用卡公司，购买家具，电器或汽车的融资公司等。该方法包括使用销售点设备验证供应商是否包括在一组授权供应商中。从客户处收到与特定帐单相关联的客户识别和支付金额。该方法还包括接收支付授权并向客户提供收据。以这种方式，客户可以使用销售点设备进行按时付款。

4. 发明申请

US20060249570A1 System and method for accounting for activation of stored value cards 有权
标题翻译：用于记帐储值卡激活的系统和方法
公开(公告)号：US20060249570A1
公开(公告)日：2006-11-09
申请号：US11122414
申请日：2005-05-04
申请人： Dean Seifert , Mark Baumgart , Thomas Sayor
发明人： Dean Seifert , Mark Baumgart , Thomas Sayor
IPC分类号： G06K5/00 , G06Q20/00
CPC分类号： G07F7/0866 , G06Q20/10 , G06Q20/204 , G06Q20/363 , G06Q30/0601 , G06Q40/00
摘要： Stored value cards, such as gift cards, from different card issuers are displayed for sale and activation at retail locations. A distribution database system maintains records of cards sold at the retail locations. The system accounts to each retailer for commissions owed for cards sold by that retailer, and accounts to each card issuer for its cards that are sold at each retail location.
摘要翻译：显示来自不同发卡机构的储值卡（如礼品卡），以在零售地点进行销售和激活。分发数据库系统维护在零售点销售的卡的记录。系统向每个零售商报销由该零售商销售的卡片的佣金，以及每个卡片发行商在每个零售地点销售的卡片的帐户。

5. 发明授权

US08464935B2 In-lane money transfer systems and methods 有权
标题翻译：线上汇款系统和方法
公开(公告)号：US08464935B2
公开(公告)日：2013-06-18
申请号：US12792382
申请日：2010-06-02
申请人： Kurt Hansen , Thomas Sayor
发明人： Kurt Hansen , Thomas Sayor
IPC分类号： G06K5/00 , G07F19/00 , G06F7/08
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/40 , G06Q30/06 , G06Q40/12
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
摘要翻译：本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。一种这样的方法包括从供应商位置（360）接收对传输对验证的请求，以及验证传输对与有效传输对记录（362）相关联。所述方法包括：将所述传送对验证发送到所述供应商位置（368），从所述供应商位置接收与所述传送对相关联的汇款请求（370），以及授权汇款（372）至少一个第一和与转移对相关联的第二个客户。以这种方式，可以使用可以包括销售点设备并且可以是零售商店（例如杂货店，加油站等）的供应商位置来促进两个客户之间的货币转移。

6. 发明授权

US08083133B2 System and method for accounting for activation of stored value cards 有权
标题翻译：用于记帐储值卡激活的系统和方法
公开(公告)号：US08083133B2
公开(公告)日：2011-12-27
申请号：US11122414
申请日：2005-05-04
申请人： Dean A. Seifert , Mark Baumgart , Thomas Sayor
发明人： Dean A. Seifert , Mark Baumgart , Thomas Sayor
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00 , G06K5/00 , G06K15/00 , G07F19/00
CPC分类号： G07F7/0866 , G06Q20/10 , G06Q20/204 , G06Q20/363 , G06Q30/0601 , G06Q40/00
摘要： Stored value cards, such as gift cards, from different card issuers are displayed for sale and activation at retail locations. A distribution database system maintains records of cards sold at the retail locations. The system accounts to each retailer for commissions owed for cards sold by that retailer, and accounts to each card issuer for its cards that are sold at each retail location.
摘要翻译：显示来自不同发卡机构的储值卡（如礼品卡），以在零售地点进行销售和激活。分发数据库系统维护在零售点销售的卡的记录。系统向每个零售商报销由该零售商销售的卡片的佣金，以及每个卡片发行商在每个零售地点销售的卡片的帐户。

7. 发明申请

US20100332335A1 IN-LANE MONEY TRANSFER SYSTEMS AND METHODS 有权
标题翻译：内部货币兑换系统和方法
公开(公告)号：US20100332335A1
公开(公告)日：2010-12-30
申请号：US12792382
申请日：2010-06-02
申请人： Kurt Hansen , Thomas Sayor
发明人： Kurt Hansen , Thomas Sayor
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/40 , G06Q30/06 , G06Q40/12
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
摘要翻译：本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。一种这样的方法包括从供应商位置（360）接收对传输对验证的请求，以及验证传输对与有效传输对记录（362）相关联。所述方法包括：将所述传送对验证发送到所述供应商位置（368），从所述供应商位置接收与所述传送对相关联的汇款请求（370），以及授权汇款（372）至少一个第一和与转移对相关联的第二个客户。以这种方式，可以使用可以包括销售点设备并且可以是零售商店（例如，杂货店，加油站等）的供应商位置来促进两个客户之间的货币转移。

8. 发明授权

US07753267B2 In-lane money transfer systems and methods 有权
标题翻译：线上汇款系统和方法
公开(公告)号：US07753267B2
公开(公告)日：2010-07-13
申请号：US12125757
申请日：2008-05-22
申请人： Kurt Hansen , Thomas Sayor
发明人： Kurt Hansen , Thomas Sayor
IPC分类号： G06K5/00 , G07F19/00 , G06F7/08
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/40 , G06Q30/06 , G06Q40/12
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
摘要翻译：本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。一种这样的方法包括从供应商位置（360）接收对传输对验证的请求，以及验证传输对与有效传输对记录（362）相关联。所述方法包括：将所述传送对验证发送到所述供应商位置（368），从所述供应商位置接收与所述传送对相关联的汇款请求（370），以及授权汇款（372）至少一个第一和与转移对相关联的第二个客户。以这种方式，可以使用可以包括销售点设备并且可以是零售商店（例如，杂货店，加油站等）的供应商位置来促进两个客户之间的货币转移。

9. 发明申请

US20060261151A1 In-lane money transfer systems and methods 有权
标题翻译：线上汇款系统和方法
公开(公告)号：US20060261151A1
公开(公告)日：2006-11-23
申请号：US11132725
申请日：2005-05-18
申请人： Kurt Hansen , Thomas Sayor
发明人： Kurt Hansen , Thomas Sayor
IPC分类号： G07F19/00 , G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/40 , G06Q30/06 , G06Q40/12
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
摘要翻译：本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。一种这样的方法包括从供应商位置（360）接收对传输对验证的请求，以及验证传输对与有效传输对记录（362）相关联。所述方法包括：将所述传送对验证发送到所述供应商位置（368），从所述供应商位置接收与所述传送对相关联的汇款请求（370），以及授权汇款（372）至少一个第一和与转移对相关联的第二个客户。以这种方式，可以使用可以包括销售点设备并且可以是零售商店（例如，杂货店，加油站等）的供应商位置来促进两个客户之间的货币转移。

10. 发明申请

US20060261150A1 Money transfer cards, systems and methods 失效
标题翻译：汇款卡，系统和方法
公开(公告)号：US20060261150A1
公开(公告)日：2006-11-23
申请号：US11132710
申请日：2005-05-18
申请人： Dean Seifert , Thomas Sayor , Mark Baumgart
发明人： Dean Seifert , Thomas Sayor , Mark Baumgart
IPC分类号： G06Q40/00
CPC分类号： G06Q20/342 , G06Q20/10 , G06Q20/40 , G06Q30/06 , G06Q40/02 , G07F7/025
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes establishing a money transfer record (310) and receiving, from a vendor location, a money transfer activation request (320) associated with the money transfer record. The method includes receiving a fulfillment request (330) associated with the money transfer record, collecting a customer data set, and authorizing a money transfer (340) associated with the money transfer record. The money transfer is facilitated by the creation of a money transfer record, which may occur prior to the money transfer activation request. The customer then can initiate the money transfer while at the vendor location using, for example, money transfer cards available for purchase from the vendor.
摘要翻译：本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。一种这样的方法包括建立汇款记录（310）并且从供应商位置接收与汇款记录相关联的汇款活动请求（320）。该方法包括接收与汇款记录相关联的履行请求（330），收集客户数据集，以及授权与汇款记录相关联的汇款（340）。通过创建可能在汇款激活请求之前发生的汇款记录来促进汇款。然后，客户可以在供应商位置使用例如可从供应商购买的汇款卡来启动汇款。

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