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1. 发明申请

WO2004038677A8 EDUCATIONAL INTERACTIVE GAMES 审中-公开
标题翻译：教育互动游戏
公开(公告)号：WO2004038677A8
公开(公告)日：2004-07-29
申请号：PCT/US0332260
申请日：2003-10-10
申请人： CASHFLOW TECHNOLOGIES INC
发明人： ROGAN PHILIP A , GIPP DAVID A , HERMAN DOUGLAS W
IPC分类号： A63F3/00 , A63F9/00 , A63F11/00 , G09B19/18 , G09B5/00
CPC分类号： G09B19/18 , A63F3/00063 , A63F2011/0016
摘要： La pr�sente invention se rapporte � un jeu interactif �ducatif comportant un syst�me permettant de transmettre des comp�tences financi�res � des joueurs, et en particulier, � des enfants, dans le contexte d'un jeu �lectronique interactif. Chaque joueur re�oiinitialement une somme pr�d�termin�e d'un revenu gagn� p�riodiquement, des d�penses p�riodiques et une somme pr�d�termin�e de liquide disponible. Ces �l�ments sont repr�sent�s par des indices correspondants sur un afficheur �lectronique. Un des buts du jeu est qu'un joueur puisse g�n�rer un revenu passif sup�rieur � ses d�penses en participant � des �v�nements du jeu qui fournissent � ce joueur la possibilit� d'effectuer des choix financiers pour modifier le revenu souhait�.

2. 发明申请

WO1998020948A1 BOARD GAME FOR TEACHING FUNDAMENTAL ASPECTS OF PERSONAL FINANCE, INVESTING AND ACCOUNTING 审中-公开
标题翻译：董事会个人财务，投资和会计基础教学课程
公开(公告)号：WO1998020948A1
公开(公告)日：1998-05-22
申请号：PCT/US1997020775
申请日：1997-11-14
申请人： CASHFLOW TECHNOLOGIES, INC.
发明人： CASHFLOW TECHNOLOGIES, INC. , KIYOSAKI, Robert, T. , PARTA, Rolf, H.
IPC分类号： A63F03/00
CPC分类号： A63F3/00072 , A63F3/0052 , A63F2001/0441
摘要： A board game for teaching the principles of personal finance whereby significant wealth may be accumulated includes a playing board having a first, Rat Race, track and an entirely separate second, Fast Track. Each player begins the game on the Rat Race track and is provided with a Game Card to track his/her finances. The Game Card is configured as a combined Income/Balance Sheet, and basic accounting rules of personal finance are carefully followed in updating the Game Card while a player progresses along the Rat Race according to the roll of die. The Rat Race track includes spaces on which a player can land which presents unexpected financial obstacles, but the Rat Race also includes spaces which present financial opportunities. By prudently investing as opportunities arise, a player may obtain passive income in addition to a salary. Once a player's passive income exceeds his/her expenses, the player moves to the Fast Track for further play. On the Fast Track, a player enjoys the greatly improved life of one who has accumulated significant wealth. However, provision is made for unexpected problems in various Fast Track spaces along which a player moves. Thus, a player's ongoing financial condition while on the Fast Track is also carefully updated using basic accounting principles of personal finance. The game is played in accordance with formal rules which include provisions for declaring a winner.
摘要翻译：用于教授个人理财原则的棋盘游戏，其中可能积累大量财富包括具有第一，大鼠赛跑，赛道和完全独立的第二快速赛跑的游戏板。每个玩家在鼠赛道上开始比赛，并提供游戏卡来跟踪他/她的财务状况。游戏卡被配置为组合收入/资产负债表，并且在玩家根据死亡滚动沿着大鼠种族进行的过程中，更新游戏卡时仔细遵循个人财务的基本会计规则。大鼠赛道包括玩家可以登陆的空间，呈现出意想不到的财务障碍，但大鼠赛还包括提供财务机会的空间。通过谨慎投资，随着机会的出现，玩家除了薪水之外还可能获得被动收入。一旦玩家的被动收入超过了他/她的费用，玩家将进入快速通道进行进一步的玩耍。在快车道上，一名玩家享有丰富财富的生活大大改善。然而，在玩家移动的各种快速通道空间中提供意想不到的问题。因此，玩家在快速通道上持续的财务状况也使用个人理财的基本会计原则仔细更新。游戏根据正式规则进行，包括宣布获胜者的条款。

3. 发明申请

WO2004097560A3 SYSTEMS AND METHODS FOR INVESTMENT DECISION SUPPORT 审中-公开
公开(公告)号：WO2004097560A3
公开(公告)日：2004-11-11
申请号：PCT/US2004/012621
申请日：2004-04-22
申请人： CASHFLOW TECHNOLOGIES, INC. , NELSON, Cory
发明人： NELSON, Cory
IPC分类号： G06F17/60
摘要： A decision support computer system, according to various aspects of the present invention, is used by a plurality of users to learn principles of personal finance by competing. The system includes an engine for central processing; a network for communication between each user and the engine for central processing; an engine for identifying to a particular competition a subset of the plurality of users; an engine for modeling financial consequences of a respective series of decisions made by each user of the subset; a graphical user interface engine operative by each user for indicating a decision after associating values of an opportunity to portions of a financial statement; and an engine for recognizing a particular user of the subset as succeeding in the particular competition in response to determining that the particular user’s decisions result in the accumulation of recurring passive income exceeding recurring expenses. Engine functions may be combined to reduce the number of independent engine implementations.

4. 发明申请

WO2004097560A2 SYSTEMS AND METHODS FOR INVESTMENT DECISION SUPPORT 审中-公开
标题翻译：投资决策支持系统与方法
公开(公告)号：WO2004097560A2
公开(公告)日：2004-11-11
申请号：PCT/US2004012621
申请日：2004-04-22
申请人： CASHFLOW TECHNOLOGIES INC , NELSON CORY
发明人： NELSON CORY
IPC分类号： G06F20060101 , G06Q40/00 , G06F
CPC分类号： G06Q40/06
摘要： A decision support computer system, according to various aspects of the present invention, is used by a plurality of users to learn principles of personal finance by competing. The system includes an engine for central processing; a network for communication between each user and the engine for central processing; an engine for identifying to a particular competition a subset of the plurality of users; an engine for modeling financial consequences of a respective series of decisions made by each user of the subset; a graphical user interface engine operative by each user for indicating a decision after associating values of an opportunity to portions of a financial statement; and an engine for recognizing a particular user of the subset as succeeding in the particular competition in response to determining that the particular user's decisions result in the accumulation of recurring passive income exceeding recurring expenses. Engine functions may be combined to reduce the number of independent engine implementations.
摘要翻译：根据本发明的各个方面的决策支持计算机系统被多个用户用于通过竞争来学习个人理财的原理。该系统包括用于中央处理的发动机; 用于每个用户和用于中央处理的引擎之间的通信的网络; 用于向所述特定竞赛识别所述多个用户的子集的引擎; 用于对由子集的每个用户做出的各个系列决策的财务后果进行建模的引擎; 每个用户操作的图形用户界面引擎，用于在将机会的值与财务报表的部分相关联之后指示决定; 以及用于识别该子集的特定用户在特定竞争中成功响应于确定特定用户的决定导致重复被动收入的累积超过经常性费用的引擎。发动机功能可以组合以减少独立发动机实施的数量。

5. 发明申请

WO2004034354A8 INTERACTIVE GAMES FOR TEACHING FINANCIAL PRINCIPLES 审中-公开
标题翻译：教学财务原则的互动游戏
公开(公告)号：WO2004034354A8
公开(公告)日：2004-06-17
申请号：PCT/US0331331
申请日：2003-10-03
申请人： CASHFLOW TECHNOLOGIES INC
发明人： ROGAN PHILIP A , GIPP DAVID A
IPC分类号： A63F13/12 , G09B7/00 , G09B19/16 , G09B19/18
CPC分类号： A63F13/80 , A63F13/12 , A63F13/335 , A63F13/35 , A63F13/52 , G06Q50/205 , G09B7/00 , G09B19/16

6. 发明申请

WO2004034354A2 INTERACTIVE GAMES FOR TEACHING FINANCIAL PRINCIPLES 审中-公开
标题翻译：教学财务原则的互动游戏
公开(公告)号：WO2004034354A2
公开(公告)日：2004-04-22
申请号：PCT/US2003/031331
申请日：2003-10-03
申请人： CASHFLOW TECHNOLOGIES, INC.
发明人： ROGAN, Philip, A. , GIPP, David, A.
IPC分类号： G09B19/18
CPC分类号： A63F13/80 , A63F13/12 , A63F13/335 , A63F13/35 , A63F13/52 , G06Q50/205 , G09B7/00 , G09B19/16

7. 发明申请

WO2005106747A3 SYSTEMS AND METHODS FOR IMPROVING INVESTING 审中-公开
标题翻译：改进投资的制度和方法
公开(公告)号：WO2005106747A3
公开(公告)日：2007-11-15
申请号：PCT/US2005013771
申请日：2005-04-22
申请人： CASHFLOW TECHNOLOGIES INC , SCHLUNK OTMAR
发明人： SCHLUNK OTMAR
IPC分类号： G06Q40/00
CPC分类号： G06Q10/04 , G06Q40/00 , G06Q40/04 , G06Q40/06 , G06Q40/12
摘要： Users of a simulator gain skills for investing using a simulator. The simulator simulates a business system that conducts a market transaction. The simulator selects a set of factors from a plurality of sets; selects a current factor from the selected set; and determines a price in accordance with the current factor. The simulator further updates a financial position of the user of the simulator in response to a transaction; and performs the transaction in accordance with the price and an input from the user. The input from the user corresponds in content to an input to the business system. Consequently, the user develops skill in specifying market transactions to be conducted by reviewing changes in the user's financial position. The simulator may include a simulated competitor having a financial position affected by transactions according to a strategy of the competitor selected from a set of stored strategies.
摘要翻译：模拟器的用户可以使用模拟器进行投资。模拟器模拟进行市场交易的业务系统。模拟器从多个集合中选择一组因子; 从所选集中选择当前因子; 并根据当前因素确定价格。模拟器进一步响应于交易更新模拟器的用户的财务状况; 并根据价格和来自用户的输入执行交易。用户的输入内容与业务系统的输入相对应。因此，用户通过审查用户财务状况的变化来发展指定市场交易的技能。模拟器可以包括根据从一组存储的策略中选择的竞争者的策略而具有受交易影响的财务状况的模拟竞争者。

8. 发明申请

WO2005106747A2 SYSTEMS AND METHODS FOR IMPROVING INVESTING 审中-公开
标题翻译：改善投资的制度和方法
公开(公告)号：WO2005106747A2
公开(公告)日：2005-11-10
申请号：PCT/US2005/013771
申请日：2005-04-22
申请人： CASHFLOW TECHNOLOGIES, INC. , SCHLUNK, Otmar
发明人： SCHLUNK, Otmar
IPC分类号： G06F17/60
CPC分类号： G06Q10/04 , G06Q40/00 , G06Q40/04 , G06Q40/06 , G06Q40/12
摘要： Users of a simulator gain skills for investing using a simulator. The simulator simulates a business system that conducts a market transaction. The simulator selects a set of factors from a plurality of sets; selects a current factor from the selected set; and determines a price in accordance with the current factor. The simulator further updates a financial position of the user of the simulator in response to a transaction; and performs the transaction in accordance with the price and an input from the user. The input from the user corresponds in content to an input to the business system. Consequently, the user develops skill in specifying market transactions to be conducted by reviewing changes in the user's financial position. The simulator may include a simulated competitor having a financial position affected by transactions according to a strategy of the competitor selected from a set of stored strategies.
摘要翻译：模拟器的用户可以使用模拟器进行投资。模拟器模拟进行市场交易的业务系统。模拟器从多个集合中选择一组因子; 从所选集中选择当前因子; 并根据当前因素确定价格。模拟器进一步响应于交易更新模拟器的用户的财务状况; 并根据价格和来自用户的输入执行交易。用户的输入内容与业务系统的输入相对应。因此，用户通过审查用户财务状况的变化来发展指定市场交易的技能。模拟器可以包括具有根据从一组存储的策略中选择的竞争者的策略而受交易影响的财务状况的模拟竞争者。

9. 发明申请

WO2004038677A2 EDUCATIONAL INTERACTIVE GAMES 审中-公开
标题翻译：教育互动游戏
公开(公告)号：WO2004038677A2
公开(公告)日：2004-05-06
申请号：PCT/US2003/032260
申请日：2003-10-10
申请人： CASHFLOW TECHNOLOGIES, INC.
发明人： ROGAN, Philip, A. , GIPP, David, A. , HERMAN, Douglas, W.
IPC分类号： G09B
CPC分类号： G09B19/18 , A63F3/00063 , A63F2011/0016
摘要： An educational interactive game of the invention includes a system for teaching financial skills to players, and in particular, children in the context of an interactive electronic game. Each player is initially provided a predetermined amount of periodic earned income, periodic expenses and a predetermined amount of cash on hand. These items are represented by corresponding indicia on an electronic display. An object of the game is for a player to generate passive income greater than the player's expenses by encountering game events that provide a player the opportunity to make financial choices to affect the desired outcome.
摘要翻译：本发明的教育性互动游戏包括用于向玩家教授财务技能的系统，特别是在交互式电子游戏的上下文中的儿童。每个玩家最初提供预定数量的定期赚取的收入，定期费用和预定金额的现金。这些物品由电子显示器上的相应标记表示。游戏的一个目标是让玩家通过遇到游戏事件来产生大于玩家费用的被动收入，这些游戏事件为玩家提供了进行财务选择以影响所期望的结果的机会。

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