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1. 发明申请

US20160155122A1 HOST CAPTURE 审中-公开
公开(公告)号：US20160155122A1
公开(公告)日：2016-06-02
申请号：US15018256
申请日：2016-02-08
申请人： Barbara Patterson
发明人： Barbara Patterson
IPC分类号： G06Q20/40
CPC分类号： G06Q20/401 , G06Q20/108 , G06Q20/385 , G06Q20/40 , G06Q30/06 , G06Q40/00
摘要： A system and method for processing transactions. A unique transaction identifier is generated for each transaction. Processing of the transaction utilizes the unique transaction identifier.

2. 发明授权

US08645204B2 Method and system for conducting promotional programs 有权
标题翻译：进行宣传活动的方法和制度
公开(公告)号：US08645204B2
公开(公告)日：2014-02-04
申请号：US12909736
申请日：2010-10-21
申请人： Barbara Patterson
发明人： Barbara Patterson
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/40 , G06Q30/0211 , G06Q30/0212 , G06Q30/0223 , G06Q30/0225 , G06Q30/0238 , G06Q30/0242
摘要： A method for using promotional programs and merchant values is disclosed. In one example, the method includes receiving an authorization request message including a merchant verification value through a payment processing network, where the authorization request message is associated with a purchase by a consumer. A merchant-specific promotional program is then determined using the merchant verification value, and the merchant specific promotional program is performed. For example, the promotional program can be a sweepstakes and the task may be determining of the consumer is an instant winner.
摘要翻译：公开了使用促销节目和商家价值的方法。在一个示例中，该方法包括通过支付处理网络接收包括商家验证值的授权请求消息，其中授权请求消息与消费者的购买相关联。然后使用商家验证值确定特定于商户的促销计划，并且执行商家特定促销程序。例如，促销计划可以是抽奖活动，任务可能决定消费者是即时获胜者。

3. 发明授权

US08636203B1 Partial authorization of a financial transaction 有权
标题翻译：部分授权金融交易
公开(公告)号：US08636203B1
公开(公告)日：2014-01-28
申请号：US11566596
申请日：2006-12-04
申请人： Barbara Patterson , Steve Diamond , Todd Brockman , Richard Pileggi , Amy Dalziel
发明人： Barbara Patterson , Steve Diamond , Todd Brockman , Richard Pileggi , Amy Dalziel
IPC分类号： G06K5/00 , G06Q40/00 , G07F19/00 , G07D11/00
CPC分类号： G06Q20/405 , G06Q20/12 , G06Q20/401
摘要： Embodiments of methods and systems in accordance with the present invention allow partial authorization of a financial transaction. In one embodiment, where a balance of a prepaid card is insufficient to cover the entire amount of a transaction, the issuer of the prepaid card transmits over a payment processing system, approval for only the amount remaining on the card. The transaction can then be completed by the purchaser providing an additional sum from another source, such as a credit card. Such automatic partial authorization in accordance with an embodiment of the present invention avoids the delay and cost associated with having to re-execute the transaction for a less than the entire amount.
摘要翻译：根据本发明的方法和系统的实施例允许对金融交易的部分授权。在一个实施例中，如果预付卡的余额不足以覆盖整个交易量，则预付费卡的发行者通过支付处理系统发送仅批准卡上剩余的金额。该交易然后可以由买方完成，从另一来源（例如信用卡）提供额外的金额。根据本发明的实施例的这种自动部分授权避免了与少于整个量重新执行交易相关联的延迟和成本。

4. 发明授权

US08311943B2 Recurring transaction processing 有权
标题翻译：经常性交易处理
公开(公告)号：US08311943B2
公开(公告)日：2012-11-13
申请号：US13117503
申请日：2011-05-27
申请人： Barbara Patterson
发明人： Barbara Patterson
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q10/06 , G06Q20/10 , G06Q20/102 , G06Q20/227 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.
摘要翻译：提供了用于处理经常性付款的技术，当消费者被发布用于支付卡等的新帐号时，不要求商家更新消费者帐户信息。例如，当消费者由发行人发行新的帐号时，新的帐号可以提供给支付处理网络。支付处理网络中的服务器计算机然后识别与用户的旧帐号相关联的任何经常性付款，并向消费者提供消费者已经建立与旧帐号相关联的经常性支付的商家列表。然后，消费者有机会选择那些消费者希望使用新帐号继续经常性付款的商家。然后，支付处理网络在由消费者指定的商家的旧帐号和新帐号之间建立映射，并且继续使用旧的帐户信息来处理从指定的商家收到的定期付款授权请求。因此，商家不需要对商家维护的消费者帐户信息进行更新，并且向消费者提供容易地选择哪些商家可以使用旧帐号继续处理定期付款的能力。

5. 发明授权

US08249957B2 System and method for data completion including push identifier 有权
标题翻译：用于数据完成的系统和方法，包括推送标识符
公开(公告)号：US08249957B2
公开(公告)日：2012-08-21
申请号：US12352711
申请日：2009-01-13
申请人： Matthew Mullen , Mark Rockelman , Barbara Patterson
发明人： Matthew Mullen , Mark Rockelman , Barbara Patterson
IPC分类号： G07B17/00 , G06Q40/00
CPC分类号： G06Q20/102 , G06Q20/04 , G06Q20/40 , G06Q40/12
摘要： A system and method for processing push transactions. A payor may initiate a transaction without input from the payee. A system can determine who the payee is from partial information provided by the payor, and direct the transaction to the proper party.
摘要翻译：一种用于处理推送事务的系统和方法。付款人可以在收款人没有输入的情况下发起交易。一个系统可以通过付款人提供的部分信息来确定收款人是谁，并将交易定向到正当方。

6. 发明申请

US20110295743A1 RECURRING TRANSACTION PROCESSING 有权
标题翻译：重新交易处理
公开(公告)号：US20110295743A1
公开(公告)日：2011-12-01
申请号：US13117503
申请日：2011-05-27
申请人： Barbara Patterson
发明人： Barbara Patterson
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q10/06 , G06Q20/10 , G06Q20/102 , G06Q20/227 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account number by an issuer, the new account number can be provided to a payment processing network. A server computer in the payment processing network then identifies any recurring payments associated with the user's old account number and provides the consumer with a list of merchants for which the consumer had established recurring payments associated with the old account number. The consumer is then provided the opportunity to select those merchants for whom the consumer wishes to continue the recurring payments using the new account number. The payment processing network then creates a mapping between the old account number and the new account number for the merchants designated by the consumer and continues to process recurring payment authorization requests received from the designated merchants using the old account information. As a result, the merchants do not need to make any updates to the consumer account information maintained by the merchants, and the consumer is provided with the ability to easily select which merchants can continue processing recurring payments using the old account number.
摘要翻译：提供了用于处理经常性付款的技术，当消费者被发布用于支付卡等的新帐号时，不要求商家更新消费者帐户信息。例如，当消费者由发行人发行新的帐号时，新的帐号可以被提供给支付处理网络。支付处理网络中的服务器计算机然后识别与用户的旧帐号相关联的任何经常性付款，并向消费者提供消费者已经建立与旧帐号相关联的经常性支付的商家列表。然后，消费者有机会选择那些消费者希望使用新帐号继续经常性付款的商家。然后，支付处理网络在由消费者指定的商家的旧帐号和新帐号之间建立映射，并且继续使用旧的帐户信息来处理从指定的商家收到的定期付款授权请求。因此，商家不需要对商家维护的消费者帐户信息进行更新，并且向消费者提供容易地选择哪些商家可以使用旧帐号继续处理定期付款的能力。

7. 发明申请

US20110238576A1 ACCOUNT PERMANENCE 有权
公开(公告)号：US20110238576A1
公开(公告)日：2011-09-29
申请号：US13072436
申请日：2011-03-25
申请人： Barbara Patterson
发明人： Barbara Patterson
IPC分类号： G06Q40/00
CPC分类号： G06Q20/385 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/04 , G06Q40/00 , G06Q40/025
摘要： A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.
摘要翻译：一种使用派生帐号标识符的系统和方法。导出的帐户标识符与单个永久帐户标识符相关联。每个导出的帐户标识符与通信信道或便携式消费者设备相关联。

8. 发明授权

US07937324B2 Account permanence 有权
标题翻译：账户持久性
公开(公告)号：US07937324B2
公开(公告)日：2011-05-03
申请号：US12205069
申请日：2008-09-05
申请人： Barbara Patterson
发明人： Barbara Patterson
IPC分类号： G06Q40/00
CPC分类号： G06Q20/385 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/04 , G06Q40/00 , G06Q40/025
摘要： A system and method for using derived account identifiers. The derived account identifiers are associated with a single permanent account identifier. Each derived account identifier is associated with a communication channel or portable consumer device.
摘要翻译：一种使用派生帐号标识符的系统和方法。导出的帐户标识符与单个永久帐户标识符相关联。每个导出的帐户标识符与通信信道或便携式消费者设备相关联。

9. 发明申请

US20100190047A1 VARIABLE VOLUME CONTAINMENT FOR ENERGY STORAGE DEVICES 有权
标题翻译：用于能源储存装置的可变容量
公开(公告)号：US20100190047A1
公开(公告)日：2010-07-29
申请号：US12694638
申请日：2010-01-27
申请人： Jon Kenneth West , Martin Patrick Higgins , Eileen Higgins , Julius Regalado , Anthony George , Xin Zhou , Nelson Citta , Myles Citta , Allen Michael , Kenneth Cherisol , Daniel J. West , Barbara Patterson
发明人： Jon Kenneth West , Martin Patrick Higgins , Eileen Higgins , Julius Regalado , Anthony George , Xin Zhou , Nelson Citta , Myles Citta , Allen Michael , Kenneth Cherisol , Daniel J. West , Barbara Patterson
IPC分类号： H01M6/48 , H01G9/26 , H01M6/42
CPC分类号： H01M10/4214 , H01M2/06 , H01M2/08 , H01M2/18 , H01M4/70 , H01M6/48 , H01M8/02 , H01M8/04 , H01M10/0413 , H01M10/0418 , H01M10/044 , H01M10/045 , H01M10/0468 , H01M10/0477 , H01M10/28 , H01M10/282 , H01M10/286 , H01M10/4235 , H01M2004/029 , Y02E60/124
摘要： A stacked energy storage device (ESD) has at least two cell segments arranged in a stack. Each cell segment may have a first electrode unit having a first active material electrode, a second electrode unit having a second active material electrode, and an electrolyte layer between the active material electrodes. Variable volume containment may be used to control the inter-electrode spacing within each cell segment. In some embodiments, one or more dynamic flexible gaskets may be included in each cell segment to seal the electrolyte within the cell segment and to deform in preferred directions. In some embodiments, hard stops may set the inter-electrode spacing of the ESD.
摘要翻译：堆叠式储能装置（ESD）具有排列成堆叠的至少两个单元区段。每个单元段可以具有第一电极单元，其具有第一活性物质电极，第二电极单元，具有第二活性物质电极，以及在活性物质电极之间的电解质层。可以使用可变体积容纳物来控制每个细胞区段内的电极间间隔。在一些实施例中，每个细胞区段中可以包括一个或多个动态柔性垫圈以密封细胞区段内的电解质并在优选的方向上变形。在一些实施例中，硬停止可以设置ESD的电极间间隔。

10. 发明申请

US20090182654A1 SYSTEM AND METHOD FOR DATA COMPLETION INCLUDING PUSH IDENTIFIER 有权
标题翻译：用于数据完成的系统和方法，包括推送标识符
公开(公告)号：US20090182654A1
公开(公告)日：2009-07-16
申请号：US12352711
申请日：2009-01-13
申请人： Matthew Mullen , Mark Rockelman , Barbara Patterson
发明人： Matthew Mullen , Mark Rockelman , Barbara Patterson
IPC分类号： G06Q20/00 , G06F17/30 , G06Q40/00 , G06Q10/00
CPC分类号： G06Q20/102 , G06Q20/04 , G06Q20/40 , G06Q40/12
摘要： A system and method for processing push transactions. A payor may initiate a transaction without input from the payee. A system can determine who the payee is from partial information provided by the payor, and direct the transaction to the proper party.
摘要翻译：一种用于处理推送事务的系统和方法。付款人可以在收款人没有输入的情况下发起交易。一个系统可以通过付款人提供的部分信息来确定收款人是谁，并将交易定向到正当方。

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