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1. 发明授权

US08538795B2 System and method of determining a retail commodity price within a geographic boundary 失效
标题翻译：确定地理边界内的零售商品价格的系统和方法
公开(公告)号：US08538795B2
公开(公告)日：2013-09-17
申请号：US12030119
申请日：2008-02-12
申请人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
发明人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0283 , G06Q30/02 , G06Q30/0202 , G06Q50/06
摘要： Disclosed are a method and system for determining a retail price for a commodity within a geographic boundary. Retail prices for the commodity may be obtained from various sources, such as observers, third-party reporting, transactional data, and self-reporting. The retail price for each source may be analyzed to determine a risk factor. The retail prices from all sources associated with a location may be compared to determine a composite retail price for the location. The retail prices for all the locations within the geographic boundary may be analyzed to generate an aggregate composite price for the commodity within the geographic boundary. The analysis may include using a weighted formula. The analysis may include a volume proxy.
摘要翻译：公开了用于确定地理边界内的商品的零售价格的方法和系统。商品的零售价格可以从各种来源获得，例如观察员，第三方报告，交易数据和自我报告。可以分析每个来源的零售价格以确定风险因素。可以比较与位置相关联的所有来源的零售价格，以确定该地点的综合零售价格。可以分析地理边界内所有地点的零售价格，以在地理边界内为商品产生综合综合价格。分析可能包括使用加权公式。分析可能包括卷代理。

2. 发明申请

US20080306777A1 SYSTEM AND METHOD FOR PROVIDING AN INSURANCE PREMIUM FOR PRICE PROTECTION 失效
标题翻译：提供保险费用的保障费用的制度和方法
公开(公告)号：US20080306777A1
公开(公告)日：2008-12-11
申请号：US12099224
申请日：2008-04-08
申请人： Robert M. Fell , Scott Painter , Brian P. Reed , Michael R. Bonsignore , Gary A. Magnuson
发明人： Robert M. Fell , Scott Painter , Brian P. Reed , Michael R. Bonsignore , Gary A. Magnuson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/04 , G06Q40/06 , G06Q40/08
摘要： Systems and methods for providing an insurance premium in association with an insurance strike price for a commodity are disclosed. By paying the insurance premium a consumer may obtain price protection for a commodity purchase. In particular, in one embodiment a consumer may obtain the right to be reimbursed for any amount paid over the insurance strike price for the commodity.
摘要翻译：披露与商品的保险行为价相关的保险费的制度和方法。通过支付保险费，消费者可以获得商品购买的价格保护。特别地，在一个实施例中，消费者可以获得偿付用于商品的保险行使价的任何金额的权利。

3. 发明申请

US20080195432A1 Method and system for providing price protection for commodity purchasing through price protection contracts 失效
标题翻译：通过价格保护合同为商品采购提供价格保护的方法和制度
公开(公告)号：US20080195432A1
公开(公告)日：2008-08-14
申请号：US11705571
申请日：2007-02-12
申请人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
发明人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
IPC分类号： G06Q30/00 , G06Q10/00 , G07G1/00 , G06F17/00
CPC分类号： G06Q30/06 , G06Q10/063 , G06Q10/087 , G06Q20/10 , G06Q20/102 , G06Q20/20 , G06Q30/0201 , G06Q30/0206 , G06Q40/00 , G06Q40/025 , G06Q40/04 , G06Q40/06 , G06Q40/08
摘要： Systems and methods for the provisioning of price protection contracts which provide price protection against adverse fluctuations in the retail price of a commodity to a consumer are disclosed. While these price protection contracts may pertain to almost any type of commodity, certain embodiments of the present invention may provide systems and method for allowing a consumer to obtain price protection on the purchase of fuel. Specifically, embodiments of the present invention may provide the ability for fleet managers to obtain a price protection contract for the purchase of fuel where the price protection contract specifies at least one lock price, quantity, locale and time period such that the price protection contract may guarantee the right to aggregately purchase the quantity of fuel in the locale at the lock price during the time period.
摘要翻译：披露了提供价格保护合同的系统和方法，为商品零售价格向消费者的不利波动提供价格保护。虽然这些价格保护合同可能涉及几乎任何类型的商品，但是本发明的某些实施例可以提供允许消费者在购买燃料时获得价格保护的系统和方法。具体来说，本发明的实施例可以提供车队经理获得价格保护合同以购买燃料的能力，其中价格保护合同指定至少一个锁定价格，数量，区域和时间段，使得价格保护合同可以保证在此期间以锁定价格在当地采购总量燃料的权利。

4. 发明授权

US08086517B2 System and method for constraining depletion amount in a defined time frame 失效
标题翻译：在限定时间范围内限制耗尽量的系统和方法
公开(公告)号：US08086517B2
公开(公告)日：2011-12-27
申请号：US13076741
申请日：2011-03-31
申请人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
发明人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q40/00 , G06Q40/04 , G06Q40/06
摘要： Embodiments disclosed herein provide price protection on commodity purchases in which a consumer can select, accept, or otherwise agree to a depletion constraint on the consumption of the commodity thus purchased. Based on the agreed depletion constraint, a provider may adjust terms and/or the price of the price protection. In some embodiments, the depletion constraint can be time-based, quantity-based, value-based, or a combination thereof. In some embodiments, the depletion constraint can be linear. In some embodiments, a consumer may be required to purchase a certain amount of the commodity during a specified time frame. In some embodiments, the provider of the price protection may receive a payment from the consumer when the retail price of the commodity at the time of the purchase is below a specified floor price. In some embodiments, the commodity is motor fuel.
摘要翻译：本文公开的实施例提供对商品购买的价格保护，其中消费者可以选择，接受或以其他方式同意对如此购买的商品的消费的消耗限制。根据商定的消耗限制，供应商可以调整价格保护的条款和/或价格。在一些实施例中，耗尽约束可以是基于时间的，基于数量的，基于值的，或其组合的。在一些实施例中，耗尽约束可以是线性的。在一些实施例中，可能需要消费者在指定的时间范围内购买一定量的商品。在一些实施例中，当购买时商品的零售价低于指定的底价时，价格保护的提供者可以从消费者处收到付款。在一些实施例中，商品是机动车燃料。

5. 发明申请

US20110178916A1 SYSTEM AND METHOD FOR CONSTRAINING DEPLETION AMOUNT IN A DEFINED TIME FRAME 失效
标题翻译：在定义的时间框架中约束切割量的系统和方法
公开(公告)号：US20110178916A1
公开(公告)日：2011-07-21
申请号：US13076741
申请日：2011-03-31
申请人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
发明人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02 , G06Q40/00 , G06Q40/04 , G06Q40/06
摘要： Embodiments disclosed herein provide price protection on commodity purchases in which a consumer can select, accept, or otherwise agree to a depletion constraint on the consumption of the commodity thus purchased. Based on the agreed depletion constraint, a provider may adjust terms and/or the price of the price protection. In some embodiments, the depletion constraint can be time-based, quantity-based, value-based, or a combination thereof. In some embodiments, the depletion constraint can be linear. In some embodiments, a consumer may be required to purchase a certain amount of the commodity during a specified time frame. In some embodiments, the provider of the price protection may receive a payment from the consumer when the retail price of the commodity at the time of the purchase is below a specified floor price. In some embodiments, the commodity is motor fuel.
摘要翻译：本文公开的实施例提供对商品购买的价格保护，其中消费者可以选择，接受或以其他方式同意对如此购买的商品的消费的消耗限制。根据商定的消耗限制，供应商可以调整价格保护的条款和/或价格。在一些实施例中，耗尽约束可以是基于时间的，基于数量的，基于值的，或其组合的。在一些实施例中，耗尽约束可以是线性的。在一些实施例中，可能需要消费者在指定的时间范围内购买一定量的商品。在一些实施例中，当购买时商品的零售价低于指定的底价时，价格保护的提供者可以从消费者处收到付款。在一些实施例中，商品是机动车燃料。

6. 发明申请

US20080313014A1 SYSTEM AND METHOD OF DETERMINING A RETAIL COMMODITY PRICE WITHIN A GEOGRAPHIC BOUNDARY 失效
标题翻译：在地理边界内确定零售商品价格的系统和方法
公开(公告)号：US20080313014A1
公开(公告)日：2008-12-18
申请号：US12030119
申请日：2008-02-12
申请人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson , Thomas D. Gros
发明人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson , Thomas D. Gros
IPC分类号： G06F17/30 , G06F17/00
CPC分类号： G06Q30/0283 , G06Q30/02 , G06Q30/0202 , G06Q50/06
摘要： Disclosed are a method and system for determining a retail price for a commodity within a geographic boundary. Retail prices for the commodity may be obtained from various sources, such as observers, third-party reporting, transactional data, and self-reporting. The retail price for each source may be analyzed to determine a risk factor. The retail prices from all sources associated with a location may be compared to determine a composite retail price for the location. The retail prices for all the locations within the geographic boundary may be analyzed to generate an aggregate composite price for the commodity within the geographic boundary. The analysis may include using a weighted formula. The analysis may include a volume proxy.
摘要翻译：公开了用于确定地理边界内的商品的零售价格的方法和系统。商品的零售价格可以从各种来源获得，例如观察员，第三方报告，交易数据和自我报告。可以分析每个来源的零售价格以确定风险因素。可以比较与位置相关联的所有来源的零售价格，以确定该地点的综合零售价格。可以分析地理边界内所有地点的零售价格，以在地理边界内为商品产生综合综合价格。分析可能包括使用加权公式。分析可能包括卷代理。

7. 发明申请

US20080306861A1 SYSTEM AND METHOD FOR INDEX BASED SETTLEMENT UNDER PRICE PROTECTION CONTRACTS 审中-公开
标题翻译：基于价格保护合同的基于索引的沉降的系统和方法
公开(公告)号：US20080306861A1
公开(公告)日：2008-12-11
申请号：US12099253
申请日：2008-04-08
申请人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
发明人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04
摘要： Systems and methods for the provisioning of price protection contracts which provide price protection against adverse fluctuations in the retail price of a commodity are disclosed. While these price protection contracts may pertain to almost any type of commodity, certain embodiments of the present invention may provide systems and method for allowing a consumer to obtain price protection on the purchase of fuel. Specifically, embodiments of the present invention may provide the ability to obtain a price protection contract for the purchase of fuel where the price protection contract specifies at least one lock price, quantity, locale and time period such that the price protection contract may guarantee the right to aggregately purchase the quantity of fuel in the locale at the lock price during the time period and where purchases under the price protection contract are settled against an index price at the time of the purchase.
摘要翻译：披露提供价格保护合同的制度和方法，为商品的零售价格的不利波动提供价格保护。虽然这些价格保护合同可能涉及几乎任何类型的商品，但是本发明的某些实施例可以提供允许消费者在购买燃料时获得价格保护的系统和方法。具体地说，本发明的实施例可以提供获得价格保护合同的价格保护合同的能力，其中价格保护合同规定了至少一个锁定价格，数量，区域和时间段，使得价格保护合同可以保证权利在该期间以锁定价格在当地的总体购买燃料量，按照价格保护合同下的采购按照购买时的指数价格结算。

8. 发明申请

US20080306821A1 System and Method of Driving Commodity Consumers to Selective Retail Locations 审中-公开
标题翻译：将商品消费者推向选择性零售地点的制度与方法
公开(公告)号：US20080306821A1
公开(公告)日：2008-12-11
申请号：US12030032
申请日：2008-02-12
申请人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
发明人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson
IPC分类号： G06Q30/00 , G06Q99/00
CPC分类号： G06Q30/06 , G06Q30/02 , G06Q30/0207 , G06Q30/0239
摘要： A system and method for driving commodity consumers to selective locations allows an operator of a price protection product to enter into agreements with locations offering a commodity such that the locations provide incentives for purchasers or consumers of the commodity to purchase the commodity at the location. The operator of the price protection system may enter into agreements with purchasers to provide information about the locations offering the incentives.
摘要翻译：将商品消费者推向选择性位置的系统和方法允许价格保护产品的经营者与提供商品的位置达成协议，使得这些地点为商品的购买者或消费者在该地点购买商品提供激励。价格保护制度的经营者可以与采购方签订协议，提供有关提供激励措施的地点信息。

9. 发明授权

US08065218B2 System and method for providing an insurance premium for price protection 失效
标题翻译：提供价格保护的保险费的制度和方法
公开(公告)号：US08065218B2
公开(公告)日：2011-11-22
申请号：US13076567
申请日：2011-03-31
申请人： Robert M. Fell , Scott Painter , Brian P. Reed , Michael R. Bonsignore , Gary A. Magnuson
发明人： Robert M. Fell , Scott Painter , Brian P. Reed , Michael R. Bonsignore , Gary A. Magnuson
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/04 , G06Q40/06 , G06Q40/08
摘要： Systems and methods for providing an insurance premium in association with an insurance strike price for a commodity are disclosed. By paying the insurance premium a consumer may obtain price protection for a commodity purchase. In particular, in one embodiment a consumer may obtain the right to be reimbursed for any amount paid over the insurance strike price for the commodity.
摘要翻译：披露与商品的保险行为价相关的保险费的制度和方法。通过支付保险费，消费者可以获得商品购买的价格保护。特别地，在一个实施例中，消费者可以获得偿付用于商品的保险行使价的任何金额的权利。

10. 发明授权

US08019694B2 System and method for estimating forward retail commodity price within a geographic boundary 失效
标题翻译：用于估算地理边界内远期零售商品价格的系统和方法
公开(公告)号：US08019694B2
公开(公告)日：2011-09-13
申请号：US12030086
申请日：2008-02-12
申请人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson , Thomas D. Gros
发明人： Robert M. Fell , Scott Painter , Michael R. Bonsignore , Brian P. Reed , Gary A. Magnuson , Thomas D. Gros
IPC分类号： G06F17/00
CPC分类号： G06Q30/0283 , G06Q30/02 , G06Q30/0202 , G06Q50/06
摘要： Embodiments disclosed herein provide a new way to generate estimated forward retail prices for a retail commodity within a geographic boundary that represents a target market. Using estimates for local retail prices, combined with knowledge of current and historical wholesale prices, embodiments disclosed herein enable the creation of a forward estimate of retail prices on fuels for a specific location, time period, and fuel grade. In some embodiment, the process of creating a forward estimate of retail prices on fuels comprises performing a predictive modeling utilizing wholesale gasoline prices, rack markup, retail markup, and taxes on a location, time period, and fuel grade basis. In some cases, the estimated forward retail prices thus generated can be used in a pricing model for price protection services for that retail commodity in that target market.
摘要翻译：本文公开的实施例提供了在代表目标市场的地理边界内为零售商品生成估计的远期零售价格的新方式。使用本地零售价格的估计，结合当前和历史批发价格的知识，本文公开的实施例能够创建对特定位置，时间段和燃料等级的燃料的零售价格的远期估计。在一些实施例中，创建燃料零售价格的远期估计的过程包括使用批发汽油价格，机架加价，零售加价和对位置，时间段和燃料等级基础的税收进行预测建模。在某些情况下，由此产生的估计远期零售价格可用于该目标市场上该零售商品的价格保护服务定价模型。

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