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1. 发明授权

US08452649B1 Computer-based methods and arrangements for consumer-directed marketing program 有权
标题翻译：基于计算机的消费者导向营销方案和安排
公开(公告)号：US08452649B1
公开(公告)日：2013-05-28
申请号：US11654385
申请日：2007-01-17
申请人： Gene Allen , Ryan Wilder
发明人： Gene Allen , Ryan Wilder
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0208 , G06Q30/0201 , G06Q30/0207 , G06Q30/0215
摘要： Computer-based methods and arrangements are implemented using a variety of embodiments. According to one embodiment, a method is implemented for use with a financial institution's computer-managed marketing program. The method provides participation incentives to associations enrolled in the program based upon the program involvement of the enrolled associations. The financial institution enrolls associations in the program by assigning codes to the associations. The financial institution also enrolls a plurality of individuals having accounts with the financial institution in the program by associating each of the account numbers with one of the assigned codes. The assigned codes identify each of the plurality of individuals as a member of one of the enrolled associations. The financial institution determines a rating for each of the enrolled associations based upon the involvement of the enrolled associations in the program and then provides participation incentives to the enrolled associations based upon the ratings.
摘要翻译：基于计算机的方法和布置使用各种实施例来实现。根据一个实施例，实施一种用于金融机构的计算机管理的营销计划的方法。该方法基于参加协会的计划参与，为参与该计划的协会提供参与激励。金融机构通过向协会分配代码来在协议中注册协会。金融机构还通过将每个帐号与其中一个分配的代码相关联，在该程序中登记具有与该金融机构的账户的多个个人。所分配的代码将所述多个个体中的每一个标识为所登记关联之一的成员。金融机构根据入学协会参与计划确定每个入学协会的评级，然后根据评级向入学协会提供参与奖励。

2. 发明授权

US07912774B2 Transaction card system and approach 有权
标题翻译：交易卡系统和方法
公开(公告)号：US07912774B2
公开(公告)日：2011-03-22
申请号：US12537177
申请日：2009-08-06
申请人： William A. Cooper
发明人： William A. Cooper
IPC分类号： G06Q40/00 , G07D11/00 , G06K5/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/24 , G06Q30/0226 , G06Q30/04 , G06Q40/00 , G06Q40/12
摘要： A deferred-type payment approach facilitates transaction card management and processing. According to an example embodiment, a user's transaction card purchases are authorized against a purchase limit associated with a consideration-bearing (e.g., interest-bearing) account. The purchases are tracked and, at the end of a billing cycle, provided to the user via a statement or other informative approach. During a payment time period after the end of the billing cycle, the user is afforded an opportunity to review tracked purchases and provide funds to cover the purchases. If the user does not provide funds for the purchases during the payment time period, funds are automatically transferred from the consideration-bearing account to cover the purchases at the end of the payment time period. In this regard, purchases made with the transaction card against the consideration-bearing account are not assessed against the consideration-bearing account until after the billing cycle has ended.
摘要翻译：延期付款方式便于交易卡管理和处理。根据一个示例性实施例，用户的交易卡购买是针对与承付（例如，支付）账户相关联的购买限额被授权的。跟踪采购，并在结算周期结束时通过声明或其他信息提供给用户。在结算周期结束后的付款时间段内，用户有机会查看跟踪的购买并提供资金以支付购买费用。如果用户在支付期间内没有为购买提供资金，资金将在支付账户结束时自动转入承付账户，以支付购买款项。在这方面，在结算周期结束后，交易卡对代价账户的购买交易不会对承付账户进行评估。

3. 发明授权

US07594606B2 Transaction card system and approach 有权
标题翻译：交易卡系统和方法
公开(公告)号：US07594606B2
公开(公告)日：2009-09-29
申请号：US12140346
申请日：2008-06-17
申请人： William A. Cooper
发明人： William A. Cooper
IPC分类号： G06K5/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/24 , G06Q30/0226 , G06Q30/04 , G06Q40/00 , G06Q40/12
摘要： A deferred-type payment approach facilitates transaction card management and processing. According to an example embodiment, a user's transaction card purchases are authorized against a purchase limit associated with a consideration-bearing (e.g., interest-bearing) account. The purchases are tracked and, at the end of a billing cycle, provided to the user via a statement or other informative approach. During a payment time period after the end of the billing cycle, the user is afforded an opportunity to review tracked purchases and provide funds to cover the purchases. If the user does not provide funds for the purchases during the payment time period, funds are automatically transferred from the consideration-bearing account to cover the purchases at the end of the payment time period. In this regard, purchases made with the transaction card against the consideration-bearing account are not assessed against the consideration-bearing account until after the billing cycle has ended.
摘要翻译：延期付款方式便于交易卡管理和处理。根据一个示例性实施例，用户的交易卡购买是针对与承付（例如，支付）账户相关联的购买限额被授权的。跟踪采购，并在结算周期结束时通过声明或其他信息提供给用户。在结算周期结束后的付款时间段内，用户有机会查看跟踪的购买并提供资金以支付购买费用。如果用户在支付期间内没有为购买提供资金，资金将在支付账户结束时自动转入承付账户，以支付购买款项。在这方面，在结算周期结束后，交易卡对代价账户的购买交易不会对承付账户进行评估。

4. 发明授权

US07398919B2 Transaction card system and approach 有权
标题翻译：交易卡系统和方法
公开(公告)号：US07398919B2
公开(公告)日：2008-07-15
申请号：US11019651
申请日：2004-12-21
申请人： William A. Cooper
发明人： William A. Cooper
IPC分类号： G06K5/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/24 , G06Q30/0226 , G06Q30/04 , G06Q40/00 , G06Q40/12
摘要： A deferred-type payment approach facilitates transaction card management and processing. According to an example embodiment, a user's transaction card purchases are authorized against a purchase limit associated with a consideration-bearing (e.g., interest-bearing) account. The purchases are tracked and, at the end of a billing cycle, provided to the user via a statement or other informative approach. During a payment time period after the end of the billing cycle, the user is afforded an opportunity to review tracked purchases and provide funds to cover the purchases. If the user does not provide funds for the purchases during the payment time period, funds are automatically transferred from the consideration-bearing account to cover the purchases at the end of the payment time period. In this regard, purchases made with the transaction card against the consideration-bearing account are not assessed against the consideration-bearing account until after the billing cycle has ended.
摘要翻译：延期付款方式便于交易卡管理和处理。根据一个示例性实施例，用户的交易卡购买是针对与承付（例如，支付）账户相关联的购买限额被授权的。跟踪采购，并在结算周期结束时通过声明或其他信息提供给用户。在结算周期结束后的付款时间段内，用户有机会查看跟踪的购买并提供资金以支付购买费用。如果用户在支付期间内没有为购买提供资金，资金将在支付账户结束时自动转入承付账户，以支付购买款项。在这方面，在结算周期结束后，交易卡对代价账户的购买交易不会对承付账户进行评估。

5. 发明授权

US08719128B2 Computer-facilitated secure account-transaction 有权
标题翻译：计算机辅助安全帐户交易
公开(公告)号：US08719128B2
公开(公告)日：2014-05-06
申请号：US11956802
申请日：2007-12-14
申请人： Gene Allen , Kevin Kuntz
发明人： Gene Allen , Kevin Kuntz
IPC分类号： G06Q40/00 , G06F21/00 , G06Q20/00 , G06Q30/00 , G06F1/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/3572 , G06Q20/382 , G06Q40/02
摘要： The handling of accounts and account transactions are implemented using a variety of different systems and methods. According to one embodiment a computer-facilitated system is implemented for handling accounts held by a user at a financial institution and an educational institution. A first database stores account balance information associated with a first account held at one of the institutions. A second database stores account balance information associated with a second account held at the other institution. Logic, located at one institution, encrypts an identifier of the first account, associates a resulting encrypted identifier with the second account and decrypts the encrypted identifier. A database interface transmits the encrypted identifier to the second database for storage. A user interface provides the user with the account balance information associated with the accounts in response to the logic decrypting the encrypted identifier.
摘要翻译：帐户和帐户交易的处理使用各种不同的系统和方法来实现。根据一个实施例，实施了一种计算机辅助系统，用于处理用户在金融机构和教育机构持有的账户。第一个数据库存储与其中一个机构持有的第一个帐户相关联的帐户余额信息。第二数据库存储与在另一机构持有的第二帐户相关联的账户余额信息。位于一个机构的逻辑加密第一帐户的标识符，将得到的加密标识符与第二帐户相关联，并解密加密的标识符。数据库接口将加密的标识符发送到第二数据库用于存储。响应于解密加密的标识符的逻辑，用户界面向用户提供与帐户相关联的帐户余额信息。

6. 发明授权

US08600891B2 Systems, approaches and methods involving deferring debit payment for debit-card transactions 有权
标题翻译：系统，方法和方法涉及推迟借记卡交易的借方付款
公开(公告)号：US08600891B2
公开(公告)日：2013-12-03
申请号：US12537979
申请日：2009-08-07
申请人： William A. Cooper
发明人： William A. Cooper
IPC分类号： G06Q20/40 , G06Q20/10
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/24 , G06Q30/0226 , G06Q30/04 , G06Q40/00 , G06Q40/12
摘要： A system and method for managing a financial institution account with a transaction card used as a deferred-debit transaction card and as an automated banking card wherein debit transactions are stored by a managing computer system for a billing cycle without being automatically debited against the account until after debit transaction activity. The card user can earn credit, or interest based on deferred debits. Also, in certain instances, a limited time period is provided relative to the billing cycle, for the user to provide funds as consideration for payment against the transaction card purchases without an automatic debiting of available funds as full consideration for payment against the deferred-debit purchases.
摘要翻译：一种管理金融机构账户的系统和方法，该交易卡用作延期借方交易卡，并作为自动银行卡，其中借方交易由管理计算机系统存储用于计费周期，而不会自动扣除帐户直到借记交易活动后。卡用户可以根据延期借项赚取信用或利息。此外，在某些情况下，相对于计费周期提供有限的时间段，为了用户提供资金，作为对交易卡购买的支付的考虑，而没有自动借记可用资金作为对延期借方的充分考虑购买。

7. 发明申请

US20100001067A1 Debit Card Billing System and Method 有权
标题翻译：借记卡开票系统和方法
公开(公告)号：US20100001067A1
公开(公告)日：2010-01-07
申请号：US12537171
申请日：2009-08-06
申请人： William A. Cooper
发明人： William A. Cooper
IPC分类号： G06K5/00 , G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/24 , G06Q30/0226 , G06Q30/04 , G06Q40/00 , G06Q40/12
摘要： A system and method for managing a financial institution account with a transaction card used as a deferred-debit transaction card and as an automated banking card wherein debit transactions are stored by a managing computer system for a billing cycle without being automatically debited against the account until after debit transaction activity. In certain instances, this is not until after the activity for the billing cycle is reported to the holder of the account. Also, a limited time period is provided relative to the billing cycle, for the user to provide funds as consideration for payment against the transaction card purchases without an automatic debiting of available funds as full consideration for payment against the deferred-debit purchases. Before the limited time period lapsing, the available amount useful for additional purchases can be increased.
摘要翻译：一种管理金融机构账户的系统和方法，该交易卡用作延期借方交易卡，并作为自动银行卡，其中借方交易由管理计算机系统存储用于计费周期，而不会自动扣除帐户直到借记交易活动后。在某些情况下，直到活动结算周期被报告给账户的持有者才是这样。此外，相对于计费周期提供有限的时间段，用于为用户提供资金，作为对交易卡购买的支付的考虑，而没有自动借记可用资金作为对付延迟借方购买的充分考虑。在有限的时间期限届满之前，可以增加对额外购买有用的可用金额。

8. 发明授权

US08571979B1 Arrangements and methods for automatically dispersing and tracking funds 有权
标题翻译：自动分配和跟踪资金的安排和方法
公开(公告)号：US08571979B1
公开(公告)日：2013-10-29
申请号：US11187611
申请日：2005-07-22
申请人： Kevin Kuntz , Ron Britz , Jeff Farmer , Gene Allen
发明人： Kevin Kuntz , Ron Britz , Jeff Farmer , Gene Allen
IPC分类号： G06Q20/10 , G06Q40/00 , G06Q40/02 , G06Q20/04
CPC分类号： G06Q20/105 , G06Q40/02
摘要： In an example application, a banking institution implements a computer-automated arrangement with another corporate entity that is independent of the banking institution. The arrangement permits the other corporate entity to render funds to corporate designees associated with the corporation's bank account via an account-management specification that defines and tracks funds under sub-accounts. The arrangement includes banking-sponsored-corporate-activatable (BSCA) articles; a communication arrangement for communicating an association command from the other corporate entity that associates activated BSCA articles with respective sub-accounts according to the specification, the activated BSCA articles facilitating redemption of pre-paid corporate funds in response to the other corporate entity both issuing the activated BSCA articles to designated card recipients and communicating the association command; and a tracking arrangement for tracking the redemption efforts resulting from uses of the activated BSCA articles by tracking the respective sub-accounts by the banking institution in response to communicating of the association command.
摘要翻译：在一个示例应用中，银行机构与独立于银行机构的另一个公司实体实施计算机自动化安排。该安排允许其他公司实体通过帐户管理规范向与公司银行账户相关的公司指定人员提供资金，该规范定义和跟踪子账户下的资金。该安排包括银行赞助的可公司（BSCA）文章; 用于传达来自另一公司实体的关联命令的通信装置，其将激活的BSCA文章与相应的子帐户根据规范相关联，所述激活的BSCA文章有助于响应于另一公司实体发出预付费公司资金将BSCA文章激活到指定的卡接收者并传达关联命令; 以及跟踪装置，用于跟踪由激活的BSCA文章的使用产生的兑换努力，通过响应于关联命令的通信来跟踪银行机构的各个子账户。

9. 发明授权

US07930229B2 Debit card billing system and method 有权
标题翻译：借记卡计费系统和方法
公开(公告)号：US07930229B2
公开(公告)日：2011-04-19
申请号：US12537171
申请日：2009-08-06
申请人： William A. Cooper
发明人： William A. Cooper
IPC分类号： G06Q40/00 , G06K5/00 , G07B15/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/24 , G06Q30/0226 , G06Q30/04 , G06Q40/00 , G06Q40/12
摘要： A system and method for managing a financial institution account with a transaction card used as a deferred-debit transaction card and as an automated banking card, wherein debit transactions are stored by a managing computer system for a billing cycle without being automatically debited against the account until after debit transaction activity. In certain instances, this is not until after the activity for the billing cycle is reported to the holder of the account. Also, a limited time period is provided relative to the billing cycle, for the user to provide funds as consideration for payment against the transaction card purchases without an automatic debiting of available funds as full consideration for payment against the deferred-debit purchases. Before the limited time period lapses, the available amount useful for additional purchases can be increased.
摘要翻译：一种管理金融机构账户的系统和方法，该交易卡用作延期借方交易卡和自动银行卡，其中借方交易由管理计算机系统存储以用于计费周期，而不被自动扣除帐户直到借记交易活动。在某些情况下，直到活动结算周期被报告给账户的持有者才是这样。此外，相对于计费周期提供有限的时间段，用于为用户提供资金，作为对交易卡购买的支付的考虑，而没有自动借记可用资金作为对付延迟借方购买的充分考虑。在有限的时间段过去之前，可以增加对额外购买有用的可用金额。

10. 发明申请

US20100005016A1 Systems, Approaches and Methods Involving Deferring Debit Payment for Debit-Card Transactions 有权
标题翻译：系统，方法和方法涉及借记卡交易的延期付款
公开(公告)号：US20100005016A1
公开(公告)日：2010-01-07
申请号：US12537979
申请日：2009-08-07
申请人： William A. Cooper
发明人： William A. Cooper
IPC分类号： G06Q40/00 , G06Q10/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/24 , G06Q30/0226 , G06Q30/04 , G06Q40/00 , G06Q40/12
摘要： A system and method for managing a financial institution account with a transaction card used as a deferred-debit transaction card and as an automated banking card wherein debit transactions are stored by a managing computer system for a billing cycle without being automatically debited against the account until after debit transaction activity. The card user can earn credit, or interest based on deferred debits. Also, in certain instances, a limited time period is provided relative to the billing cycle, for the user to provide funds as consideration for payment against the transaction card purchases without an automatic debiting of available funds as full consideration for payment against the deferred-debit purchases.
摘要翻译：一种管理金融机构账户的系统和方法，该交易卡用作延期借方交易卡，并作为自动银行卡，其中借方交易由管理计算机系统存储用于计费周期，而不会自动扣除帐户直到借记交易活动后。卡用户可以根据延期借项赚取信用或利息。此外，在某些情况下，相对于计费周期提供有限的时间段，为了用户提供资金，作为对交易卡购买的支付的考虑，而没有自动借记可用资金作为对延期借方的充分考虑购买。

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