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1. 发明申请

US20070162387A1 System and method for optimized funding of electronic transactions 审中-公开
标题翻译：优化电子交易资金的制度和方法
公开(公告)号：US20070162387A1
公开(公告)日：2007-07-12
申请号：US11717057
申请日：2007-03-13
申请人： Glen Cataline , William Rielly , Mark Sheehan , William Wallace
发明人： Glen Cataline , William Rielly , Mark Sheehan , William Wallace
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q20/405 , G06Q40/02
摘要： The invention provides systems and methods for managing transactions. The system includes a data input portion that communicates first information regarding a payment request, as well as a decision reference data store for communicating second information regarding parameters for use in determining a payment option for the payment request. The system also includes a processor. The processor inputs the first information and the second information. Then, the processor selectably determines the payment option to direct a transmission of funds from at least one payment source to at least one payee account based on an optimization determination performed by the processor. The optimization determination may provide savings to the institution processing the transaction, or alternatively, may provide savings to the customer initiating the transaction, for example.
摘要翻译：本发明提供了用于管理事务的系统和方法。该系统包括数据输入部分，其传送关于支付请求的第一信息，以及决定参考数据存储器，用于传送关于用于确定支付请求的支付选项的参数的第二信息。该系统还包括处理器。处理器输入第一信息和第二信息。然后，处理器可选地确定支付选项，以便基于由处理器执行的优化确定，将资金从至少一个支付源传送到至少一个收款人账户。优化确定可以为处理交易的机构提供节省，或者替代地，可以为启动交易的客户提供节省。

2. 发明申请

US20070005498A1 System and method for optimized funding of electronic transactions 审中-公开
公开(公告)号：US20070005498A1
公开(公告)日：2007-01-04
申请号：US11517479
申请日：2006-09-08
申请人： Glen Cataline , William Rielly , Mark Sheehan , William Wallace
发明人： Glen Cataline , William Rielly , Mark Sheehan , William Wallace
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/108 , G06Q40/02
摘要： The invention provides systems and methods for managing transactions. The system includes a data input portion that communicates first information regarding a payment request, as well as a decision reference data store for communicating second information regarding parameters for use in determining a payment option for the payment request. The system also includes a processor. The processor inputs the first information and the second information. Then, the processor selectably determines the payment option to direct a transmission of funds from at least one payment source to at least one payee account based on an optimization determination performed by the processor. The optimization determination may provide savings to the institution processing the transaction, or alternatively, may provide savings to the customer initiating the transaction, for example.

3. 发明申请

US20070005496A1 System and method for selectable funding of electronic transactions 有权
标题翻译：电子交易可选资金的制度和方法
公开(公告)号：US20070005496A1
公开(公告)日：2007-01-04
申请号：US11517268
申请日：2006-09-08
申请人： Glen Cataline , William Rielly , William Wallace , Mark Sheehan
发明人： Glen Cataline , William Rielly , William Wallace , Mark Sheehan
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/00 , G06Q20/02 , G06Q20/023 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q30/06
摘要： A system for transferring funds to pay bills and to and from selected accounts on an optimized is provided. A mediation engine may manage the payments made to selected payees, including by scheduling the payments and selecting sources for funds. A rules-based optimizer may automatically select the least-cost or other most efficient or desirable transaction, given the customer's available funds, types of funds and payment date. All payment providers and payees may manipulated using one seamless view. A customer service representative may also view the transfers.
摘要翻译：提供了一种用于转移资金以支付账单和进行优化的选定账户的系统。调解引擎可以管理对选定收款人的付款，包括通过安排付款和选择资金来源。考虑到客户的可用资金，资金类型和付款日期，基于规则的优化器可以自动选择最低成本或其他最有效或最理想的交易。所有支付提供者和收款人都可以使用一个无缝视图来操纵。客户服务代表也可以查看转帐。

4. 发明授权

US08065228B1 System and method for processing microtransactions 有权
标题翻译：微处理系统和方法
公开(公告)号：US08065228B1
公开(公告)日：2011-11-22
申请号：US12509807
申请日：2009-07-27
申请人： Mark Sheehan , William Wallace , Lee Knackstedt
发明人： Mark Sheehan , William Wallace , Lee Knackstedt
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/29 , G06Q20/382 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q40/025 , G06Q50/188
摘要： The method and system of the invention provide a variety of techniques for processing a microtransaction, wherein the microtransaction is a low monetary amount. In accordance with the invention, the method starts with a customer initiating a purchase through interaction with a merchant. The purchase is associated with purchase information, which includes the particulars of the purchase, such as the purchase price. In the purchase, the customer uses a transaction account, obtained from a payment enabler. The merchant submits the purchase information for processing of the purchase information. Thereafter, the purchase is classified as a microtransaction, if the purchase price is below a predetermined monetary amount. Thereafter, the purchase information is forwarded for processing based on the classifying, i.e., as a result of the purchase being classified as a microtransaction. Then, upon receipt of the purchase information by an appropriate recipient, such as an interchange entity or an alternate interchange entity, the purchase information is processed to effect the microtransaction between the customer and the merchant.
摘要翻译：本发明的方法和系统提供了用于处理微交互的各种技术，其中微量交易是低货币量的。根据本发明，该方法从客户通过与商家的交互发起购买开始。购买与购买信息相关联，其中包含购买细节，如购买价格。在购买时，客户使用从付款使能器获取的交易账户。商户提交购买信息以处理购买信息。此后，如果购买价格低于预定金额，则购买被归类为微交易。此后，基于分类将购买信息转发以进行处理，即作为将购买分类为微交易的结果。然后，在通过诸如交换实体或替代交换实体的适当接收者接收到购买信息之后，处理购买信息以实现客户与商家之间的微交易。

5. 发明授权

US07660765B1 System and method for processing microtransactions 有权
标题翻译：微处理系统和方法
公开(公告)号：US07660765B1
公开(公告)日：2010-02-09
申请号：US12134693
申请日：2008-06-06
申请人： Mark Sheehan , William Wallace , Lee Knackstedt
发明人： Mark Sheehan , William Wallace , Lee Knackstedt
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/29 , G06Q20/382 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q40/025 , G06Q50/188
摘要： The method and system of the invention provide a variety of techniques for processing a microtransaction, wherein the microtransaction is a low monetary amount. In accordance with the invention, the method starts with a customer initiating a purchase through interaction with a merchant. The purchase is associated with purchase information, which includes the particulars of the purchase, such as the purchase price. In the purchase, the customer uses a transaction account, obtained from a payment enabler. The merchant submits the purchase information for processing of the purchase information. Thereafter, the purchase is classified as a microtransaction, if the purchase price is below a predetermined monetary amount. Thereafter, the purchase information is forwarded for processing based on the classifying, i.e., as a result of the purchase being classified as a microtransaction. Then, upon receipt of the purchase information by an appropriate recipient, such as an interchange entity or an alternate interchange entity, the purchase information is processed to effect the microtransaction between the customer and the merchant.
摘要翻译：本发明的方法和系统提供了用于处理微交互的各种技术，其中微量交易是低货币量的。根据本发明，该方法从客户通过与商家的交互发起购买开始。购买与购买信息相关联，其中包含购买细节，如购买价格。在购买时，客户使用从付款使能器获取的交易账户。商户提交购买信息以处理购买信息。此后，如果购买价格低于预定金额，则购买被归类为微交易。此后，基于分类将购买信息转发以进行处理，即作为将购买分类为微交易的结果。然后，在通过诸如交换实体或替代交换实体的适当接收者接收到购买信息之后，处理购买信息以实现客户与商家之间的微交易。

6. 发明授权

US08429072B1 System and method for processing microtransactions 有权
标题翻译：微处理系统和方法
公开(公告)号：US08429072B1
公开(公告)日：2013-04-23
申请号：US13246321
申请日：2011-09-27
申请人： Mark Sheehan , William Wallace , Lee Knackstedt
发明人： Mark Sheehan , William Wallace , Lee Knackstedt
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/29 , G06Q20/382 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q40/025 , G06Q50/188
摘要： Methods and systems of the invention provide a variety of techniques for processing microtransactions. In accordance with the invention, the method starts with a customer initiating a purchase through interaction with a merchant. The purchase is associated with purchase information, which includes the particulars of the purchase, such as the purchase price. In the purchase, the customer uses a transaction account, obtained from a payment enabler. The purchase is classified as a microtransaction, if the purchase price is below a predetermined monetary amount. Thereafter, the purchase information is forwarded for processing based on the classifying, i.e., either as a regular transaction or as a microtransaction. Then, upon receipt of the purchase information by an appropriate recipient, such as an interchange entity or an alternate interchange entity, the purchase information is processed to effect the microtransaction, if so classified, between the customer and the merchant.
摘要翻译：本发明的方法和系统提供了用于处理微交互的各种技术。根据本发明，该方法从客户通过与商家的交互发起购买开始。购买与购买信息相关联，其中包含购买细节，如购买价格。在购买时，客户使用从付款使能器获取的交易账户。如果购买价格低于预定货币金额，则购买被归类为微交易。此后，基于分类，即作为常规交易或作为微交易，将购买信息转发用于处理。然后，在通过诸如交换实体或替代交换实体的适当接收者接收到购买信息之后，处理购买信息以在客户和商家之间实现微交易（如果被分类）。

7. 发明授权

US08429069B1 System and method for processing microtransactions 有权
公开(公告)号：US08429069B1
公开(公告)日：2013-04-23
申请号：US13301013
申请日：2011-11-21
申请人： Mark Sheehan , William Wallace , Lee Knackstedt
发明人： Mark Sheehan , William Wallace , Lee Knackstedt
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/29 , G06Q20/382 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q40/025 , G06Q50/188
摘要： Methods and systems of the invention provide a variety of techniques for processing microtransactions. In accordance with the invention, the method starts with a customer initiating a purchase through interaction with a merchant. The purchase is associated with purchase information, which includes the particulars of the purchase, such as the purchase price. In the purchase, the customer uses a transaction account, obtained from a payment enabler. The purchase is classified as a microtransaction, if the purchase price is below a predetermined monetary amount. Thereafter, the purchase information is forwarded for processing based on the classifying, i.e., either as a regular transaction or as a microtransaction. Then, upon receipt of the purchase information by an appropriate recipient, such as an interchange entity or an alternate interchange entity, the purchase information is processed to effect the microtransaction, if so classified, between the customer and the merchant.

8. 发明授权

US07627521B1 System and method for processing mircotransactions 有权
标题翻译：用于处理微电路的系统和方法
公开(公告)号：US07627521B1
公开(公告)日：2009-12-01
申请号：US10339596
申请日：2003-01-10
申请人： Mark Sheehan , William Wallace , Lee Knackstedt
发明人： Mark Sheehan , William Wallace , Lee Knackstedt
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/29 , G06Q20/382 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q40/025 , G06Q50/188
摘要： The method and system of the invention provide a variety of techniques for processing a microtransaction, wherein the microtransaction is a low monetary amount. In accordance with the invention, the method starts with a customer initiating a purchase through interaction with a merchant. The purchase is associated with purchase information, which includes the particulars of the purchase, such as the purchase price. In the purchase, the customer uses a transaction account, obtained from a payment enabler. The merchant submits the purchase information for processing of the purchase information. Thereafter, the purchase is classified as a microtransaction, if the purchase price is below a predetermined monetary amount. Thereafter, the purchase information is forwarded for processing based on the classifying, i.e., as a result of the purchase being classified as a microtransaction. Then, upon receipt of the purchase information by an appropriate recipient, such as an interchange entity or an alternate interchange entity, the purchase information is processed to effect the microtransaction between the customer and the merchant.
摘要翻译：本发明的方法和系统提供了用于处理微交互的各种技术，其中微量交易是低货币量的。根据本发明，该方法从客户通过与商家的交互发起购买开始。购买与购买信息相关联，其中包含购买细节，如购买价格。在购买时，客户使用从付款使能器获取的交易账户。商户提交购买信息以处理购买信息。此后，如果购买价格低于预定金额，则购买被归类为微交易。此后，基于分类将购买信息转发以进行处理，即作为将购买分类为微交易的结果。然后，在通过诸如交换实体或替代交换实体的适当接收者接收到购买信息之后，处理购买信息以实现客户与商家之间的微交易。

9. 发明授权

US08114663B1 Method for consolidated waste management and resource recovery 有权
标题翻译：综合废物管理和资源回收方法
公开(公告)号：US08114663B1
公开(公告)日：2012-02-14
申请号：US12623674
申请日：2009-11-23
申请人： Michael V. Henley , Lixiong Li , Theodore V. Marolla , William Wallace , Seth M. Foulkes
发明人： Michael V. Henley , Lixiong Li , Theodore V. Marolla , William Wallace , Seth M. Foulkes
IPC分类号： C12M1/00 , C12M3/00
CPC分类号： C12M21/04 , C12M43/00 , F23G7/05 , F23G7/12 , F23G2206/203 , F23G2209/16 , Y02E20/12
摘要： A waste management and resource recovery system that uses the different waste streams from typical waste sources as fuel or feedstock for its subsystems that, in turn, produce fuel, feedstock or energy for other subsystems such that all the different waste streams are effectively managed. The subsystems include a gas burner for solid and fuel wastes that supplies heat to a hydrothermal processor for saccharification of paper and cardboard. The resulting saccharification broth, along with kitchen wastes and blackwater, are supplied to a bioreactor using dark fermentation to produce hydrogen and volatile fatty acids. The hydrogen and volatile fatty acids are supplied to hydrogen and microbial fuel cells to produce electrical energy for operating the system and potable water. A steam accumulator is added to provide sufficient temperatures and pressures to reach the necessary thermodynamic states for the saccharification process. An enzymatic saccharification processor may also improve the saccharification process.
摘要翻译：一种废物管理和资源回收系统，其使用来自典型废物源的不同废物流作为其子系统的燃料或原料，其反过来为其他子系统产生燃料，原料或能源，使得所有不同废物流被有效地管理。子系统包括用于固体和燃料废物的气体燃烧器，其向热液处理器供应热量以便纸和纸板的糖化。所得到的糖化肉汤以及厨房垃圾和黑水被提供给生物反应器，使用黑色发酵产生氢气和挥发性脂肪酸。氢气和挥发性脂肪酸被供应到氢气和微生物燃料电池，以产生用于操作系统和饮用水的电能。添加蒸汽蓄能器以提供足够的温度和压力以达到糖化过程所需的热力学状态。酶糖化处理器也可改善糖化过程。

10. 发明授权

US07582594B2 Dioxirane formulations for decontamination 失效
标题翻译：用于去污的二恶烷环配方
公开(公告)号：US07582594B2
公开(公告)日：2009-09-01
申请号：US10687864
申请日：2003-10-17
申请人： Carrie Delcomyn , Jean Renard , William Wallace , Michael Henley
发明人： Carrie Delcomyn , Jean Renard , William Wallace , Michael Henley
IPC分类号： C11D1/00 , C11D3/10 , C11D3/20 , C11D3/39 , C11D3/43
CPC分类号： A62D3/38 , A61L2/0088 , A62D2101/02
摘要： A universal decontamination formulation is disclosed based on the in situ generation dioxirane(s) under non-corrosive neutral conditions for the neutralization of chemical and biological warfare (CBW) agents. The composition relates to the generation of dioxiranes by mixing a monopersulfate-containing compound in the presence of a ketone in water buffered with a carbonate-type buffer, producing a pH neutral formulation that provides effective reactivity towards CBW agents over a wide range of temperatures.
摘要翻译：基于在非腐蚀性中性条件下用于中和化学和生物战剂（CBW）试剂的原位生成二氧杂环烷，公开了通用去污制剂。该组合物涉及通过在酮与碳酸酯型缓冲液缓冲的水的存在下混合含有单过硫酸盐的化合物产生二氧杂环丙烷，产生pH宽中性制剂，其在宽温度范围内向CBW剂提供有效反应性。

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