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    • 2. 发明授权
    • Centralized message service apparatus and method
    • 集中消息服务设备及方法
    • US06373926B1
    • 2002-04-16
    • US09156169
    • 1998-09-17
    • Mark Jeffrey FoladareShelley B. GoldmanDavid Phillip SilvermanShaoqing Q. WangRobert S. Westrich
    • Mark Jeffrey FoladareShelley B. GoldmanDavid Phillip SilvermanShaoqing Q. WangRobert S. Westrich
    • H04M1100
    • H04L67/306H04L29/06H04L29/1216H04L51/066H04L51/14H04L51/36H04L61/157H04L69/329
    • The present invention provides a centralized messaging service method and apparatus in which a message is sent to each of a subscriber's messaging services. When a sending party wishes to leave a message for a receiving party, the sending party activates his/her user device and enters the access number for the centralized message service. The centralized message service receives the communication signals from the sending party which include a receiving party identifier and the message to be sent. The centralized message service then retrieves profile information from a database corresponding to the messaging services of the receiving party based on the receiving party identifier entered by the sending party. The centralized message service then forwards the message to a portion of the receiving party's messaging services based on the profile information retrieved from the database. The centralized message service then monitors the messaging services to determine if the receiving party has retrieved the message from any of the messaging services. If the receiving party retrieves the message from any of the messaging services, a delete command is sent to at least a portion of the other messaging services based on the profile information retrieved.
    • 本发明提供了一种集中的消息收发服务方法和装置,其中消息被发送到订户的消息服务的每一个。 当发送方希望为接收方留言时,发送方激活他/她的用户设备并输入集中消息业务的接入号码。 集中式消息服务从发送方接收包括接收方标识符和要发送的消息的通信信号。 然后,集中式消息服务基于由发送方输入的接收方标识符从与接收方的消息接发服务相对应的数据库中检索简档信息。 然后,集中式消息服务基于从数据库检索到的简档信息将消息转发到接收方消息传递服务的一部分。 集中式消息服务然后监视消息传递服务以确定接收方是否已经从任何消息传递服务检索消息。 如果接收方从任何消息传递服务检索消息,则基于所检索的简档信息将删除命令发送到至少一部分其他消息收发服务。
    • 7. 发明授权
    • Credit card spending authorization control system
    • 信用卡支出授权控制系统
    • US5914472A
    • 1999-06-22
    • US936002
    • 1997-09-23
    • Mark Jeffrey FoladareShelley B. GoldmanDominick GoriniDavid Phillip SilvermanShaoqing WangRobert S. Westrich
    • Mark Jeffrey FoladareShelley B. GoldmanDominick GoriniDavid Phillip SilvermanShaoqing WangRobert S. Westrich
    • G06Q20/04G06Q20/22G06Q20/40G06Q40/00G07F7/08H04M11/00
    • G07F7/08G06Q20/04G06Q20/227G06Q20/403G06Q20/4037G06Q20/405G06Q40/00
    • A system and method for allowing a parent to control the use of an ancillary credit or debit transaction card which is issued to a child. A central computer communicates with an issuer computer having a data base containing account information and spending limits for the transaction card and the parent can set a spending limit for the ancillary card given to the child. When the child presents the ancillary transaction card to a merchant in payment of merchandise, the merchant swipes the card and contacts a central computer for card authorization. If the credit limit of the ancillary card holder has been exceeded according to the data base, a method of contacting the parent is transmitted to the central computer. The central computer initiates contact with the parent via two-way communications, for example, two way pager, cellular telephone, or other personal communication service, and queries the parent whether to authorize the transaction by increasing the spending limit of the ancillary cardholder or refusal of the transaction. The parent responds to the central computer via the two-way communications device, and the central computer forwards an approval/refusal code to the merchant. In this manner, a parent can control the maximum transaction card spending by a child.
    • 一种允许父母控制向儿童发放的辅助信用卡或借方交易卡的使用的系统和方法。 中央计算机与具有数据库的发行者计算机进行通信,所述数据库包含交易卡的帐户信息和消费限额,并且父母可以为给予该小孩的辅助卡设置消费限额。 当孩子在商品支付商品时向附属交易卡提供辅助交易卡时,商家将卡片滑动并与中央计算机联系以进行卡片授权。 如果根据数据库已经超出了附属卡持有人的信用额度,则将联系父母的方法发送到中央计算机。 中央计算机通过双向通信,例如双向寻呼机,蜂窝电话或其他个人通信服务,启动与家长的联系,并向父母询问是否通过增加辅助持卡人的支出限额或拒绝授权交易 的交易。 家长通过双向通信设备响应中央计算机,中央计算机将批准/拒绝代码转发给商家。 以这种方式,父母可以控制孩子的最大交易卡支出。