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1. 发明授权

US09710615B1 Systems and methods for secure online repositories 有权
公开(公告)号：US09710615B1
公开(公告)日：2017-07-18
申请号：US11863060
申请日：2007-09-27
申请人： Randy Ray Morlen , Charles Lee Oakes, III , Rickey Dale Burks
发明人： Randy Ray Morlen , Charles Lee Oakes, III , Rickey Dale Burks
IPC分类号： G06F21/00 , G06F21/10
CPC分类号： G06F21/10
摘要： Mechanisms are disclosed herein for storing various records. Numerous keys and parties can access online repositories. These repositories contain a plurality of lockboxes, structured hierarchically and otherwise, providing public and private areas with varying levels of access. Some content of such lockboxes can be sharable. These lockboxes can be used not only to store diverse content, ranging from birth certificates to deeds and social security numbers, but they can also be accessed in a variety of ways. For example, keys to lockboxes can be made available by such events as the issuing of death certificates or birth certificates. Alternatively, keys can be issued according to various rules and heuristics stipulated by lockbox users. In either case, the plurality of lockboxes residing in repositories can be configured to provide centralized storage facilities that are secure and readily accessible from various computing devices.

2. 发明授权

US09497795B1 Systems and methods for a home market alert service 有权
标题翻译：家庭市场提醒服务的系统和方法
公开(公告)号：US09497795B1
公开(公告)日：2016-11-15
申请号：US12060416
申请日：2008-04-01
申请人： Bradly Jay Billman , Charles Lee Oakes, III , Reynaldo Medina, III , Michael Patrick Bueche, Jr.
发明人： Bradly Jay Billman , Charles Lee Oakes, III , Reynaldo Medina, III , Michael Patrick Bueche, Jr.
IPC分类号： H04W24/00 , H04W88/02 , H04W4/02 , H04L29/08 , H04L29/06 , H04W48/02
CPC分类号： G06Q50/16 , G06F17/30864 , G06Q30/0261 , G06Q50/20 , H04L67/02 , H04L67/18 , H04L67/306 , H04L69/26 , H04W4/02 , H04W48/02 , H04W88/02
摘要： Disclosed herein are a method, system, and computer-readable storage medium comprising instructions for notifying a user of available realty in proximity to the user's approximate current location. In an embodiment, a triggering location region is defined based on the user's approximate current location. The triggering location region includes a second location that is associated with another person's profile that correlates with the user's profile. An alert is automatically provided to the user if available realty is within the defined triggering location region. In another embodiment, if available realty within the triggering location region meets the user's preferred criteria, information about the available realty may be automatically provided to the user.
摘要翻译：本文公开了一种方法，系统和计算机可读存储介质，其包括用于通知用户邻近用户近似当前位置的可用物品的指令。在一个实施例中，基于用户的近似当前位置来定义触发位置区域。触发位置区域包括与另一人的简档相关联的第二位置，其与用户的简档相关联。如果可用的不动产在定义的触发位置区域内，则自动向用户提供警报。在另一个实施例中，如果触发位置区域内的可用物体符合用户的优选标准，则可以自动向用户提供关于可用物品的信息。

3. 发明授权

US09264428B1 Systems and methods for price searching via a mobile device reading display screen graphics 有权
标题翻译：通过移动设备查看显示屏幕图形的价格搜索的系统和方法
公开(公告)号：US09264428B1
公开(公告)日：2016-02-16
申请号：US13246655
申请日：2011-09-27
申请人： Judd Hoyt Maroney , Charles Lee Oakes, III
发明人： Judd Hoyt Maroney , Charles Lee Oakes, III
IPC分类号： G07F19/00 , H04L29/06
CPC分类号： G06Q30/0629 , G06Q20/12 , G06Q20/3276 , G06Q30/0623 , G06Q30/0641 , G06Q40/12 , H04L63/0861 , H04L63/0869
摘要： Price searching via a mobile device reading display screen graphics is provided. A system for obtaining pricing information comprises at least one subsystem that electronically reads a price of a product using a mobile device scanning a display screen, at least one subsystem that searches for other available products and price data to compare to the electronically read price and product data, at least one subsystem that compares the price data of the other products to the electronically read price data, and at least one subsystem that presents purchase options based upon results of the comparison of the price and product data.
摘要翻译：提供通过移动设备查看显示屏图形的价格搜索。用于获得定价信息的系统包括至少一个子系统，其使用扫描显示屏幕的移动设备电子地读取产品的价格，至少一个子系统，其搜索其他可用产品和价格数据以与电子阅读价格和产品进行比较数据，至少一个将其他产品的价格数据与电子阅读价格数据进行比较的子系统，以及至少一个基于价格和产品数据的比较结果呈现购买选项的子系统。

4. 发明授权

US09053469B1 System and method for providing usage based vehicle insurance 有权
标题翻译：提供使用车辆保险的系统和方法
公开(公告)号：US09053469B1
公开(公告)日：2015-06-09
申请号：US12500742
申请日：2009-07-10
申请人： Robert Michael Bohanek , Charles Lee Oakes, III , Bharat Prasad
发明人： Robert Michael Bohanek , Charles Lee Oakes, III , Bharat Prasad
IPC分类号： G06Q20/08
CPC分类号： G06Q20/08 , G06Q20/085 , G06Q40/08 , G07F13/025
摘要： Methods and systems for providing usage based insurance for one or more vehicles for an insured individual or party. In an example, fuel transaction data is received for a party, the fuel transaction data includes a fuel cost; insurance policy data is received for an insurance policy; a premium is determined for the insurance policy using a computing device and the premium is added to the fuel cost. In an example, a geographic location for a vehicle is determined and a premium is determined using at the least the geographic location. In an example, a number of miles driven in a time period is determined and a premium is determined using at the least the number of miles driven. In an example, a premium is determined for an insurance policy using at least a portion of the fuel transaction data. In an example, at least one vehicle related parameter is predicted from the fuel transaction data and a premium is determined using the vehicle related parameter.
摘要翻译：为被保险人或一方提供一种或多种车辆使用保险的方法和系统。在一个示例中，为一方接收燃料交易数据，燃料交易数据包括燃料成本; 收到保险单的保险单数据; 使用计算设备确定保险费的溢价，并将溢价加到燃料成本上。在一个示例中，确定车辆的地理位置，并且使用至少该地理位置来确定溢价。在一个示例中，确定在一段时间内驱动的数英里，并且至少使用驱动的里程数来确定溢价。在一个例子中，使用燃料交易数据的至少一部分来确定保险单的溢价。在一个示例中，根据燃料交易数据预测至少一个车辆相关参数，并且使用车辆相关参数确定溢价。

5. 发明授权

US08712806B1 Systems and methods for automobile accident claims initiation 有权
标题翻译：汽车事故索赔的制度和方法开始
公开(公告)号：US08712806B1
公开(公告)日：2014-04-29
申请号：US13601390
申请日：2012-08-31
申请人： Reynaldo Medina, III , Charles Lee Oakes, III , Bradly Jay Billman , Michael Patrick Bueché, Jr.
发明人： Reynaldo Medina, III , Charles Lee Oakes, III , Bradly Jay Billman , Michael Patrick Bueché, Jr.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： Automobile accident claims initiation systems and methods are described. An insured driver may initiate a claim by operating a mobile device. The system provides automated inquiries to the driver through the mobile device. The driver provides responses to the inquiries using the mobile device. The driver may provide images and audio data, as well as personal information and information on the parties and vehicles involved in the accident. The system may automatically arrange for services such as a rental car or a tow truck. The system may provide claim information, such as a claim number to the driver by transmitting information to the mobile device.
摘要翻译：描述汽车事故索赔启动系统和方法。被保险的驾驶员可以通过操作移动设备来发起声明。该系统通过移动设备向司机提供自动查询。驱动程序使用移动设备提供对查询的响应。驾驶员可以提供图像和音频数据，以及关于事故涉及的各方和车辆的个人信息和信息。系统可以自动安排诸如租车或拖车等服务。系统可以通过向移动设备发送信息来向驾驶员提供权利要求信息，例如索赔号码。

6. 发明授权

US08708227B1 Systems and methods for remote deposit of checks 有权
标题翻译：用于远程存款支票的系统和方法
公开(公告)号：US08708227B1
公开(公告)日：2014-04-29
申请号：US11590974
申请日：2006-10-31
申请人： Charles Lee Oakes, III , Randy Ray Morlen , Michael Frank Morris , Reynaldo Medina, III , Greg Alan Harpel , Gabriel Glenn Gavia , R. Bharat Prasad Nuggehalli , Frank Kyle Major , Jeffrey Neal Pollack
发明人： Charles Lee Oakes, III , Randy Ray Morlen , Michael Frank Morris , Reynaldo Medina, III , Greg Alan Harpel , Gabriel Glenn Gavia , R. Bharat Prasad Nuggehalli , Frank Kyle Major , Jeffrey Neal Pollack
IPC分类号： G06Q20/04 , G06K7/10
CPC分类号： G06K9/00442 , G06K7/10861 , G06K9/36 , G06Q20/04 , G06Q20/042 , G06Q20/108 , H04N1/00204 , H04N1/00244 , H04N1/00307 , H04N1/00816 , H04N1/387 , H04N1/403 , H04N2101/00 , H04N2201/001
摘要： Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.
摘要翻译：金融机构可以方便地支票的远期存款。可以利用客户的通用计算机和图像捕获设备来捕获检查的图像并将图像传送到金融机构电子设备。必要时可以收集交易的其他数据。可以使用所获得的图像和数据来自动完成交易。

7. 发明授权

US08577805B1 Systems and methods for virtual banking 有权
标题翻译：虚拟银行系统和方法
公开(公告)号：US08577805B1
公开(公告)日：2013-11-05
申请号：US11781911
申请日：2007-07-23
申请人： Charles Lee Oakes, III , Rickey Dale Burks , Randy Ray Morlen
发明人： Charles Lee Oakes, III , Rickey Dale Burks , Randy Ray Morlen
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40145 , G06F21/31 , G06Q20/0655 , G06Q20/108 , G06Q20/3223 , G06Q20/3227 , G06Q20/351 , G06Q20/363 , G06Q20/3672 , G06Q20/3676
摘要： Mechanisms for virtual banking are disclosed herein that provide experiences to users as if they were actually interacting with a branch office bank. For instance, virtual lockboxes are provided to users, and users can fill these lockboxes with the type of digital data that would traditionally be placed in a branch office bank lockbox. Birth certificates, social security numbers, wills, etc., can be uploaded from a user's remote computing device to a server associated with a bank. In another aspect, currency cards are disclosed that mimic cash withdrawal (or deposit) transactions users might engage in at typical branch offices. For example, users can download money from a bank server onto a currency card located at some remote location (or, alternatively, upload money from the card to the server, which would amount to a deposit being made to the bank).
摘要翻译：本文公开了虚拟银行的机制，其向用户提供了与分支机构银行实际交互的经验。例如，虚拟锁箱被提供给用户，并且用户可以用传统上被放置在分支办公室银行锁箱中的数字数据的类型来填充这些锁箱。出生证明，社会保险号码，遗嘱等可以从用户的远程计算设备上传到与银行相关的服务器。另一方面，公开了模拟用户可能在典型分支机构进行的现金提取（或存款）交易的货币卡。例如，用户可以将银行服务器的钱下载到位于某个远程位置的货币卡上（或者将钱从卡上传到服务器，这相当于存入银行）。

8. 发明授权

US08473363B1 Systems and methods for price searching and customer self-checkout using a mobile device 有权
公开(公告)号：US08473363B1
公开(公告)日：2013-06-25
申请号：US13335379
申请日：2011-12-22
申请人： Charles Lee Oakes, III
发明人： Charles Lee Oakes, III
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0601
摘要： Price searching and customer self-checkout on a mobile device is provided. A system for purchasing products comprises at least one subsystem that receives from a mobile device at least price and seller identification data of a product, (at least the price of said product having been electronically read by the mobile device), and at least one subsystem that charges a user for the product based upon the received price and identification data.

9. 发明授权

US08438151B1 Bias free property reports 有权
标题翻译：免费物业报告
公开(公告)号：US08438151B1
公开(公告)日：2013-05-07
申请号：US12059584
申请日：2008-03-31
申请人： Bradly Jay Billman , Charles Lee Oakes, III , Rickey Dale Burks , Michael Patrick Bueche, Jr.
发明人： Bradly Jay Billman , Charles Lee Oakes, III , Rickey Dale Burks , Michael Patrick Bueche, Jr.
IPC分类号： G06F7/00
CPC分类号： G06Q30/02 , G06Q50/16
摘要： Methods, systems and computer readable instructions to provide unbiased real property information to an end-user based on the location of the end-user when the end-user initiates a request for the real property information. The real property information is unbiased because the provider of the real property information searches for information that may adversely affect a potential transaction and provides the information found in the search regardless of the potential effect on a transaction.
摘要翻译：方法，系统和计算机可读指令，用于当最终用户发起对不动产信息的请求时，基于最终用户的位置向终端用户提供无偏差的不动产信息。不动产信息是不偏不倚的，因为不动产信息的提供者搜索可能对潜在交易产生不利影响的信息，并提供在搜索中找到的信息，而不管交易的潜在影响。

10. 发明授权

US08290237B1 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 有权
公开(公告)号：US08290237B1
公开(公告)日：2012-10-16
申请号：US11931670
申请日：2007-10-31
申请人： Rickey Dale Burks , Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Michael Frank Morris , Xia Hua
发明人： Rickey Dale Burks , Charles Lee Oakes, III , Randy Ray Morlen , Bharat Prasad , Michael Frank Morris , Xia Hua
IPC分类号： G06K9/00
CPC分类号： G06Q20/042 , G06Q20/3276
摘要： To deposit a negotiable instrument electronically, a digital image may be used. Systems and methods are described herein that facilitate the use of a digital camera to provide the digital image. A user may capture an image of a negotiable instrument to create a digital image. The digital image may be compressed and saved as a digital image file. The user may then transmit the digital image file to a financial institution, such as a bank, to deposit funds drawn from the account of the negotiable instrument into the user's account. A financial institution may receive digital image files created by a digital camera from account holders and process a deposit request using the digital image file.

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