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1. 发明申请

US20060100960A1 Systems and methods for integrating multiple interaction arrangements 有权
标题翻译：整合多重交互安排的系统和方法
公开(公告)号：US20060100960A1
公开(公告)日：2006-05-11
申请号：US10960894
申请日：2004-10-06
申请人： Michael Rodin , David Baumgartner , Eric Eldred , Erik Crawford , Karen Larsen , Kenneth Timbers , Kevin Harte , Terra Geiger
发明人： Michael Rodin , David Baumgartner , Eric Eldred , Erik Crawford , Karen Larsen , Kenneth Timbers , Kevin Harte , Terra Geiger
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q10/02 , G06Q20/102 , G06Q30/0607 , G06Q40/02
摘要： Methods and systems are provided for executing such a bilateral action. A communication is received at a host system. A determination is made that the communication identifies a physical instrument that identifies an account of stored value. A request is transmitted to another host system to debit the account by an amount identified in the communication to support the bilateral action. A confirmation is received from the other host system that the account of stored value has been debited. An approval for the bilateral action is transmitted to an originating communications device.
摘要翻译：提供了执行这种双边行动的方法和系统。主机系统接收到通信。确定通信识别识别存储值的帐户的物理仪器。向另一个主机系统发送一个请求，将帐户的金额扣除通信中确定的金额以支持双边行动。从其他主机系统收到的存储值已被扣除的确认。将双边行动的批准传送给始发通信设备。

2. 发明申请

US20060059040A1 Systems and methods of data transfer in a distributed computer network 审中-公开
标题翻译：分布式计算机网络中数据传输的系统和方法
公开(公告)号：US20060059040A1
公开(公告)日：2006-03-16
申请号：US10927629
申请日：2004-08-25
申请人： Eric Eldred , Terra Geiger , Erik Crawford , David Baumgartner , Karen Larsen
发明人： Eric Eldred , Terra Geiger , Erik Crawford , David Baumgartner , Karen Larsen
IPC分类号： G06Q30/00
CPC分类号： G06Q20/20 , G06Q20/387 , G06Q30/02 , G06Q30/0226 , G06Q30/0235 , G06Q30/0236 , G06Q30/0238
摘要： A method of transporting electronic data in a distributed computer network, where the method includes receiving, at a first network node, a first data packet that includes a network event identifier, a user account identifier, and network event data, where the user account identifier points to a location on the first network node where the user account is stored, and the network event data define an operation between a user and a network operator. The method also includes processing the network event parameters with a loyalty algorithm to generate a loyalty value parameter; and calculating an updated account value parameter for the user account using the loyalty value parameter.
摘要翻译：一种在分布式计算机网络中传送电子数据的方法，其中所述方法包括在第一网络节点处接收包括网络事件标识符，用户帐户标识符和网络事件数据的第一数据分组，其中所述用户帐户标识符指向存储用户帐户的第一网络节点上的位置，并且网络事件数据定义用户和网络运营商之间的操作。该方法还包括利用忠诚度算法处理网络事件参数以产生忠诚度值参数; 以及使用忠诚度值参数计算用户帐户的更新的帐户价值参数。

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

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。

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