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1. 发明授权

US09129464B2 Staged transactions systems and methods 有权
标题翻译：分期交易系统和方法
公开(公告)号：US09129464B2
公开(公告)日：2015-09-08
申请号：US11497813
申请日：2006-08-01
申请人： Kurt L. Hansen , Thomas B. Sayor , Sharon K. Vialpando , Ken Algiene
发明人： Kurt L. Hansen , Thomas B. Sayor , Sharon K. Vialpando , Ken Algiene
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q20/12 , G06Q20/02 , G06Q20/10 , G06Q30/06 , G06Q20/38 , G07F7/02 , G06Q20/34 , G06Q20/36 , G06Q30/02 , G06Q20/04 , G06Q20/08 , G06Q20/40 , G06Q20/20 , G06Q30/04 , G06Q20/28
CPC分类号： G07F7/02 , G06Q20/02 , G06Q20/04 , G06Q20/042 , G06Q20/085 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/12 , G06Q20/20 , G06Q20/28 , G06Q20/342 , G06Q20/3433 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/3821 , G06Q20/383 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/0207 , G06Q30/0277 , G06Q30/04 , G06Q30/0601 , G06Q40/00 , G07F7/025
摘要： Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment, a method for accepting payments from a consumer for a good or service provided by a merchant comprises receiving a transaction request from the merchant, receiving a payment from the consumer, associating the payment with the transaction request, and sending at least a portion of the payment to the merchant. In this manner, the merchant stages the transaction, and the consumer completes the transaction by making the payment. An optional time limit feature also may be used, and the transaction may be staged by the consumer, or others.
摘要翻译：用于接受商家提供的商品和服务的系统和方法。在一个实施例中，接收来自消费者对由商家提供的商品或服务的付款的方法包括从商家接收交易请求，从消费者接收支付，将支付与交易请求相关联，以及发送至少一个部分付款给商家。以这种方式，商家进行交易，消费者通过付款完成交易。也可以使用可选的时间限制功能，并且可以由消费者等进行交易。

2. 发明授权

US07413120B2 Transaction card assemblies and methods 有权
公开(公告)号：US07413120B2
公开(公告)日：2008-08-19
申请号：US11483391
申请日：2006-07-07
申请人： Cynthia M. Lewis , Ken Algiene , James F. Price , John R. Duesenberg
发明人： Cynthia M. Lewis , Ken Algiene , James F. Price , John R. Duesenberg
IPC分类号： G06K5/00 , G06K19/00 , G06K19/06
CPC分类号： A45C11/182 , G06K19/04 , G06K19/06187 , G06K19/06196 , G06K19/07739
摘要： Transaction card assemblies, systems and methods of making are provided. One such assembly includes a card carrier having a card integrally formed within. The card peripherally engages the card carrier and is adapted to be removed from the card carrier. An encodable strip is disposed on the card. The strip has first and second encodable tracks. The first encodable track is positioned to be read by a point-of-sale device when the card is engaged with the card carrier, and the second encodable track is positioned to be read by the point-of-sale device after the card is separated from the carrier. In this manner, the card can be read using the same point-of-sale device whether or not the card has been separated from the carrier.

3. 发明申请

US20070208662A1 BIOMETRIC BASED AUTHORIZATION SYSTEMS FOR ELECTRONIC FUND TRANSFERS 有权
标题翻译：用于电子基金转让的基于生物量的授权系统
公开(公告)号：US20070208662A1
公开(公告)日：2007-09-06
申请号：US11562371
申请日：2006-11-21
申请人： Michael Jeronimus , Ken Algiene , Scott R. Paintin
发明人： Michael Jeronimus , Ken Algiene , Scott R. Paintin
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40145 , G06K9/00 , G06Q20/10 , G06Q20/40
摘要： A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.
摘要翻译：一种汇款授权方法，其包括向转让方验证处理器提供转账者生物特征信息的步骤，该方验证处理器通过将转让方生物特征信息与来自转让方的先前注册的生物特征信息进行比较，其中转让方提供转移身份信息以接收钱。该方法还包括确认经验证的转让方是否有足够的资金或信用转移资金，并通过将受让人生物识别信息与受让人之前注册的生物特征信息进行比较，向通过验证受让人的方验证处理者提供受让人生物特征识别。受让人必须在向受让人提供汇款前提供转账身份信息。

4. 发明授权

US09853759B1 Staged transaction system for mobile commerce 有权
公开(公告)号：US09853759B1
公开(公告)日：2017-12-26
申请号：US11536563
申请日：2006-09-28
申请人： Peter Rae , Nancy Loomis , Ken Algiene , Keith W. Dively
发明人： Peter Rae , Nancy Loomis , Ken Algiene , Kurt L. Hansen , Keith W. Dively
IPC分类号： G06F21/00 , H04H60/21 , H04H60/27
CPC分类号： H04H60/21 , G06Q20/12 , G06Q20/123 , G06Q20/32 , G06Q30/06 , H04H60/27
摘要： Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment a method can be implemented by obtaining digital content; offering said digital content to a wireless telephone user; receiving payment information from said user for purchase of said digital content; processing said payment information so as to confirm payment for said digital content; and then downloading said digital content to said wireless telephone of said wireless telephone user. Optionally, the transaction may be staged by the consumer, or others.

5. 发明授权

US08296233B2 Electronic payment instrument and packaging 有权
标题翻译：电子支付仪器和包装
公开(公告)号：US08296233B2
公开(公告)日：2012-10-23
申请号：US13169088
申请日：2011-06-27
申请人： Peter Robbins , Keith Newbrough , Ken Algiene
发明人： Peter Robbins , Keith Newbrough , Ken Algiene
IPC分类号： G06Q40/00 , G06K19/00
CPC分类号： G06Q20/327 , G06Q20/105 , G06Q20/20 , G06Q20/28 , G06Q20/32 , G06Q20/352
摘要： Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.
摘要翻译：方法和系统以允许方便携带设备和使用设备进行支付的布置为消费者提供并利用基于收发机的电子支付设备。

6. 发明申请

US20080228565A1 Centralized Discount Searching 审中-公开
标题翻译：集中折扣搜索
公开(公告)号：US20080228565A1
公开(公告)日：2008-09-18
申请号：US11685676
申请日：2007-03-13
申请人： Ken Algiene
发明人： Ken Algiene
IPC分类号： B42D15/00
CPC分类号： G06Q30/02 , G06Q30/0226 , G06Q30/0235
摘要： According to the invention, a system for providing a coupon to a user is disclosed. The system may include a host computer system and a computer readable medium. The computer readable medium may include instructions for receiving a characteristic information set from a plurality of businesses, where each characteristic information set includes at least one characteristic of a business; receiving a coupon set from each of the businesses, where each coupon set includes at least one coupon for a product or service; receiving a search request from a user interface, where the search request includes a characteristic or an identifier, and where the identifier represents a product or a service; selecting a first coupon from a first coupon set based on a comparison of at least some portion of the search request and at least some portion of the characteristic information sets or coupon sets; and transmitting the first coupon.
摘要翻译：根据本发明，公开了一种用于向用户提供优惠券的系统。该系统可以包括主计算机系统和计算机可读介质。计算机可读介质可以包括用于从多个业务接收特征信息集的指令，其中每个特征信息集包括企业的至少一个特征; 从每个业务接收优惠券集合，其中每个优惠券集合包括至少一个产品或服务的优惠券; 从用户界面接收搜索请求，其中所述搜索请求包括特征或标识符，以及所述标识符表示产品或服务的位置; 基于搜索请求的至少一部分与特征信息集或优惠券组的至少一部分的比较，从第一优惠券组中选择第一优惠券; 并发送第一个优惠券。

7. 发明授权

US07284691B2 Updating system for electronic tickets 有权
标题翻译：电子票更新系统
公开(公告)号：US07284691B2
公开(公告)日：2007-10-23
申请号：US11338134
申请日：2006-01-23
申请人： Christopher R. McGee , David R. Baumgartner , Keith A. Newbrough , Ken Algiene
发明人： Christopher R. McGee , David R. Baumgartner , Keith A. Newbrough , Ken Algiene
IPC分类号： 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。

8. 发明申请

US20110315762A1 ELECTRONIC PAYMENT INSTRUMENT AND PACKAGING 有权
标题翻译：电子支付仪器和包装
公开(公告)号：US20110315762A1
公开(公告)日：2011-12-29
申请号：US13169088
申请日：2011-06-27
申请人： Peter Robbins , Keith Newbrough , Ken Algiene
发明人： Peter Robbins , Keith Newbrough , Ken Algiene
IPC分类号： G06Q40/00 , G06K19/067
CPC分类号： G06Q20/327 , G06Q20/105 , G06Q20/20 , G06Q20/28 , G06Q20/32 , G06Q20/352
摘要： Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.
摘要翻译：方法和系统以允许方便携带设备和使用设备进行支付的布置为消费者提供并利用基于收发机的电子支付设备。

9. 发明授权

US07991692B2 Electronic payment instrument and packaging 有权
标题翻译：电子支付仪器和包装
公开(公告)号：US07991692B2
公开(公告)日：2011-08-02
申请号：US11539858
申请日：2006-10-09
申请人： Peter Robbins , Keith Newbrough , Ken Algiene
发明人： Peter Robbins , Keith Newbrough , Ken Algiene
IPC分类号： G06Q40/00 , G06K19/00
CPC分类号： G06Q20/327 , G06Q20/105 , G06Q20/20 , G06Q20/28 , G06Q20/32 , G06Q20/352
摘要： Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.
摘要翻译：方法和系统以允许方便携带设备和使用设备进行支付的布置为消费者提供并利用基于收发机的电子支付设备。

10. 发明申请

US20080086418A1 ELECTRONIC PAYMENT INSTRUMENT AND PACKAGING 有权
标题翻译：电子支付仪器和包装
公开(公告)号：US20080086418A1
公开(公告)日：2008-04-10
申请号：US11539858
申请日：2006-10-09
申请人： Peter Robbins , Keith Newbrough , Ken Algiene
发明人： Peter Robbins , Keith Newbrough , Ken Algiene
IPC分类号： G06Q40/00
CPC分类号： G06Q20/327 , G06Q20/105 , G06Q20/20 , G06Q20/28 , G06Q20/32 , G06Q20/352
摘要： Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.
摘要翻译：方法和系统以允许方便携带设备和使用设备进行支付的布置为消费者提供并利用基于收发机的电子支付设备。

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