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1. 发明申请

US20070027802A1 DECENTRALIZED GUARANTEED STORED VALUE TRANSFER SYSTEM AND METHOD 有权
标题翻译：分散保证的存储价值转移系统和方法
公开(公告)号：US20070027802A1
公开(公告)日：2007-02-01
申请号：US11379338
申请日：2006-04-19
申请人： Theodore VanDeburg , David Baumgartner , Kevin James , Keith Newbrough
发明人： Theodore VanDeburg , David Baumgartner , Kevin James , Keith Newbrough
IPC分类号： G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/10
摘要： System and methods for facilitating the settlement of financial accounts across different entities utilize a host computer system that tracks financial transactions made at each merchant location or store and uses this information to reconcile accounts across different entities. In one embodiment, for redemption transactions that occurred within one of the entities other than where the associated account was activated, the host computer system is configured to prepare a request to transfer a redemption amount to a central account from an entity account associated with where the redemption transaction occurred, and to prepare a request to transfer less than the redemption amount from the central account to an entity account associated with where the account was activated.
摘要翻译：用于促进不同实体的金融账户结算的系统和方法利用主计算机系统来跟踪在每个商家位置或商店进行的金融交易，并使用该信息来调和不同实体之间的账户。在一个实施例中，对于除了相关联的帐户被激活之外的实体之外发生的兑换交易，主计算机系统被配置为准备从与所述主体计算机相关联的实体账户相关联的实体账户将兑换金额转移到中央账户的请求，发生赎回交易，并准备将少于赎回金额从中央账户转移到与该账户激活的实体账户相关的实体账户的请求。

2. 发明授权

US08271380B2 Decentralized guaranteed stored value transfer system and method 有权
标题翻译：分散保证存储值转移系统及方法
公开(公告)号：US08271380B2
公开(公告)日：2012-09-18
申请号：US11379338
申请日：2006-04-19
申请人： Theodore VanDeburg , David Baumgartner , Kevin James , Keith Newbrough
发明人： Theodore VanDeburg , David Baumgartner , Kevin James , Keith Newbrough
IPC分类号： G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/10
摘要： System and methods for facilitating the settlement of financial accounts across different entities utilize a host computer system that tracks financial transactions made at each merchant location or store and uses this information to reconcile accounts across different entities. In one embodiment, for redemption transactions that occurred within one of the entities other than where the associated account was activated, the host computer system is configured to prepare a request to transfer a redemption amount to a central account from an entity account associated with where the account was activated, and to prepare a request to transfer less than the redemption amount from the central account to an entity account associated with where the redemption transaction occurred.
摘要翻译：用于促进不同实体的金融账户结算的系统和方法利用主计算机系统来跟踪在每个商家位置或商店进行的金融交易，并使用该信息来调和不同实体之间的账户。在一个实施例中，对于除了相关联的帐户被激活之外的实体之外发生的兑换交易，主计算机系统被配置为准备从与所述主体计算机相关联的实体账户相关联的实体账户将兑换金额转移到中央账户的请求，帐户被激活，并准备将少于赎回金额从中央账户转移到与赎回交易发生的实体账户相关的请求。

3. 发明授权

US07882021B2 Financial settlement systems and methods 有权
标题翻译：财务结算系统和方法
公开(公告)号：US07882021B2
公开(公告)日：2011-02-01
申请号：US10356207
申请日：2003-01-30
申请人： David Baumgartner , Kevin James , Keith Newbrough
发明人： David Baumgartner , Kevin James , Keith Newbrough
IPC分类号： G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q40/00 , G06Q40/025
摘要： System and methods for facilitating the settlement of financial accounts across different entities utilize a host computer system that tracks financial transactions made at each merchant location or store and uses this information to reconcile accounts across different entities. In one embodiment, the host computer periodically performs a net settlement analysis of the transactional data received from each entity's stores. A request is prepared to transfer funds from each entity's bank account having a positive net settlement amount into a central entity bank account. A request is also prepared to transfer funds into each entity's bank account having a negative net settlement amount from the central entity bank account.
摘要翻译：用于促进不同实体的金融账户结算的系统和方法利用主计算机系统来跟踪在每个商家位置或商店进行的金融交易，并使用该信息来调和不同实体之间的账户。在一个实施例中，主计算机周期性地对从每个实体的商店接收的事务数据进行净结算分析。准备将具有正净额结算金额的实体银行账户资金转入中央实体银行账户的请求。还准备要求将资金从中央实体银行账户转入每个实体的净结算金额的银行账户。

4. 发明申请

US20060144929A1 Updating system for electronic tickets 有权
标题翻译：电子票更新系统
公开(公告)号：US20060144929A1
公开(公告)日：2006-07-06
申请号：US11338134
申请日：2006-01-23
申请人： Christopher McGee , David Baumgartner , Keith Newbrough , Kenneth Algiene
发明人： Christopher McGee , David Baumgartner , Keith Newbrough , Kenneth Algiene
IPC分类号： G06K5/00 , G06F17/00
CPC分类号： G07F7/08 , G06Q20/045 , G06Q20/342 , G07F7/025 , G07F7/12 , G07F7/122 , G07F17/42
摘要： A method for issuing tickets proceeds by selecting an inactive ticket that includes an identifier. Payment is provided for the ticket, and the identifier and a payment amount is entered into a payment processing device. The identifier is transmitted to a host computer system having a record of the identifier and a status of the ticket. The status of the ticket is then changed to an active status in the host computer system.
摘要翻译：通过选择包括标识符的不活动票据来发行票据的方法。提供票据的支付，并且将标识符和支付金额输入到支付处理装置中。该标识符被发送到具有标识符的记录和故障单的状态的主计算机系统。然后，票据的状态在主机系统中更改为活动状态。

5. 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。

6. 发明授权

US07668751B2 Methods and systems for coordinating a change in status of stored-value cards 有权
标题翻译：协调储值卡状态变化的方法和系统
公开(公告)号：US07668751B2
公开(公告)日：2010-02-23
申请号：US12147944
申请日：2008-06-27
申请人： David Baumgartner , Steven E. Arthur
发明人： David Baumgartner , Steven E. Arthur
IPC分类号： G06Q20/00
CPC分类号： G06Q20/363 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/28 , G06Q30/02 , G07F7/0866
摘要： Methods and systems are provided for coordinating a change in status of a stored-value card for a customer. Transaction information is received at a host system from a point-of-sale terminal. The transaction information includes stored-value-card information identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card. The host system receives a payment authorization from a payment authority in response to a transmission of the payment-instrument information to the payment authority. The host system also receives a confirmation of the change in status of the stored-value card from a stored-value-card authority in response to a transmission of the stored-value-card information to the stored-value-card authority. The host system transmits an approval for effecting the change in status of the stored-value card to the point-of-sale terminal.
摘要翻译：提供了方法和系统来协调客户对存储卡的状态变化。在主机系统从销售点终端接收交易信息。交易信息包括识别存储卡的存储卡信息和识别要用于为存储卡的状态改变进行融资的支付工具的支付工具信息。主机系统响应于支付工具信息向支付机构的传输而从支付机构接收支付授权。主机系统还响应于存储值卡信息向存储卡授权机构的传输，从存储卡机构接收存储卡的状态变化的确认。主机系统向销售点终端发送用于实现存储卡状态变更的批准。

7. 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。

8. 发明授权

US07647246B2 Systems and method 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：US07647246B2
公开(公告)日：2010-01-12
申请号：US10960894
申请日：2004-10-06
申请人： Michael Rodin , David Baumgartner , Eric Eldred , Erik S. Crawford , Karen Larsen , Kenneth Timbers , Kevin Harte , Terra Geiger
发明人： Michael Rodin , David Baumgartner , Eric Eldred , Erik S. Crawford , Karen Larsen , Kenneth Timbers , Kevin Harte , Terra Geiger
IPC分类号： G06Q30/00
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。

9. 发明申请

US20050187835A1 Electronic acknowledgement of receipt of inventory 有权
标题翻译：收到库存的电子确认
公开(公告)号：US20050187835A1
公开(公告)日：2005-08-25
申请号：US11086934
申请日：2005-03-22
申请人： Earney Stoutenburg , David Baumgartner , Theresa Anuszewski , Ross Kinney , David Owen
发明人： Earney Stoutenburg , David Baumgartner , Theresa Anuszewski , Ross Kinney , David Owen
IPC分类号： G06Q10/08 , G06Q20/20 , G06F17/60 , G06F15/16
CPC分类号： G06Q20/203 , G06Q10/087
摘要： A method for tracking status of an inventory shipment sent to a recipient includes monitoring whether the recipient has transmitted an electronic acknowledgment of the status of the shipment; and automatically transmitting a message to the recipient requesting acknowledgment of receipt of inventory if the electronic acknowledgment is not transmitted by the recipient within a first predetermined amount of time.
摘要翻译：跟踪发送到接收者的库存货物的状态的方法包括监视接收者是否已经发送了关于装运状态的电子确认; 以及如果在第一预定时间内没有由接收者发送电子确认，则自动向接收者发送消息，请求确认接收到库存。

10. 发明授权

US07409358B2 Methods and systems for coordinating a change in status of stored-value cards 有权
标题翻译：协调储值卡状态变化的方法和系统
公开(公告)号：US07409358B2
公开(公告)日：2008-08-05
申请号：US10371167
申请日：2003-02-21
申请人： David Baumgartner , Steven E. Arthur
发明人： David Baumgartner , Steven E. Arthur
IPC分类号： G06G1/12 , G06G20/00
CPC分类号： G06Q20/363 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/28 , G06Q30/02 , G07F7/0866
摘要： Methods and systems are provided for coordinating a change in status of a stored-value card for a customer. Transaction information is received at a host system from a point-of-sale terminal. The transaction information includes stored-value-card information identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card. The host system receives a payment authorization from a payment authority in response to a transmission of the payment-instrument information to the payment authority. The host system also receives a confirmation of the change in status of the stored-value card from a stored-value-card authority in response to a transmission of the stored-value-card information to the stored-value-card authority. The host system transmits an approval for effecting the change in status of the stored-value card to the point-of-sale terminal.
摘要翻译：提供了方法和系统来协调客户对存储卡的状态变化。在主机系统从销售点终端接收交易信息。交易信息包括识别存储卡的存储卡信息和识别要用于为存储卡的状态改变进行融资的支付工具的支付工具信息。主机系统响应于支付工具信息向支付机构的传输而从支付机构接收支付授权。主机系统还响应于存储值卡信息向存储卡授权机构的传输，从存储卡机构接收存储卡的状态变化的确认。主机系统向销售点终端发送用于实现存储卡状态变更的批准。

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