法定货币相关的专利数据

序号	专利名	申请号	申请日	公开（公告）号	公开（公告）日	发明人
121	SYSTEM AND METHOD FOR CURRENCY SELECTABLE STORED VALUE INSTRUMENT	PCT/US2002/016242	2002-05-23	WO2002095540A2	2002-11-28	ALARCON-LUTHER, Melissa; FELLNER, Debra, C.; SABLOFF, Barry, M.; SCHELL, Frank, Charles, III; MESROBIAN, Peter, Mark; GRIFFIN, Ginger; DORION, Michelle; KARRIS, Gus
The invention provides a currency selectable stored value instrument, whose currency may be chosen or converted at the time value is loaded, after load but prior to redemption of value, at the time of redemption, or at other times. One embodiment of the system is configured so that the stored value instrument may be a plastic card with a magnetic stripe, compatible with card readers on Automated Teller Machines (ATMS) or other terminals. In one embodiment, U.S. dollars may be converted to Mexican pesos when the stored value instrument is loaded at an ATM or other location in the United States. A user may subsequently redeem that value for legal tender in pesos at an ATM located in Mexico, for example, or for goods, services, or cash in other currencies.
122	METHOD AND SYSTEM FOR USING POSTAGE STAMPS FOR PAYMENT	PCT/US0201229	2002-01-31	WO02060699A2	2002-08-08	CONBOY CHRISTOPHER C; GLEASON RONALD J
A method and system are provided for enabling a marketer (400) to offer a premium to a customer (410) and accept postage stamps as legal tender in exchange for the premium. An offer post card is provided to the customer (410). The customer (410) fills in requested information on the offer post card and affixes postage stamps in an amount equal or greater than the amount requested for the premium. The customer then returns the post card to a processing center (430) through the postal service. The returned post card is processed to gather customer information (432) and to determine the amount of postage affixed to the card (436). The customer informaiton is provided to the marketer (400) to fulfill the premium offer. The marketer (400) is also provided with funds based on the amount of postage affixed.
123	A method and apparatus for characterizing and discriminating bank notes and legal currency	EP95500171.4	1995-12-19	EP0718809A2	1996-06-26	Echapare Ibarrola, Jesus; Ormazabal Aramburu, Angel
A method and apparatus for the characterization and discrimination of bank notes and documents that are legal tender, the method for which is based on break down of the surfaces of documents into different characteristic zones, for the posterior detailed analysis of each zone under special conditions which are determined according to the characteristics of each. The method includes a process for self-calibration of the apparatus together with another for the automatic centering of documents. The apparatus includes an optical system composed of plates (3 and 4) between which the document moves, at least one mirror (11) which directs the image at a lineal photosensor (8), a diaphragm (10) which corrects luminosity and focus, and a meniscus lens (9), there also being a source of infrared illumination (13) and a broad spectrum light source (14).
124	SYSTEM AND METHOD FOR AUTOMATED DIGITAL CURRENCY SAVINGS PLATFORM	US14666310	2015-03-24	US20160284022A1	2016-09-29	Adam Mark Weigold; Shallen Wade
A system and method for an automated digital currency savings platform that uses customer credit card transactions, debit card transactions and other fiat currency transactions to automatically trigger regular user-adjustable savings contributions to the customers online financial savings vehicle comprising of one or more digital currency, virtual currency or crypto-currency accounts. The present invention includes various methods for the calculation of digital currency savings contributions for the customer, and various methods for the design and operation of the platform by the platform vendor. The present invention also relates to the currency conversion exchange between fiat currencies and digital currencies, and also to the provision of additional interest payments or reward contributions towards the balance of the customers digital currency savings account or accounts.
125	SYSTEM AND METHOD FOR CURRENCY SELECTABLE STORED VALUE INSTRUMENT	PCT/US0216242	2002-05-23	WO02095540A3	2003-03-20	ALARCON-LUTHER MELISSA; FELLNER DEBRA C; SABLOFF BARRY M; SCHELL FRANK CHARLES III; MESROBIAN PETER MARK; GRIFFIN GINGER; DORION MICHELLE; KARRIS GUS
The invention provides a currency selectable stored value instrument (140), whose currency maybe chosen or converted at the time the value is loaded, after load but prior to redemption of value, at the time of redemption, or at the other times. One embodiment of the system is configured so that the stored value instrument may be a plastic card with a magnetic stripe, compatible with card readers (125) on Automated Teller Machine (ATMs) or other terminals. In one embodiment, U.S. dollars may be converted to Mexican pesos when the stored value instrument is loaded at an ATM or other location in the United States. A user may subsequently redeem that value for legal tender in pesos at an ATM located in Mexico, for example, or for goods, services, or cash in other countries.
126	Business transaction apparatus	US3798603D	1972-09-22	US3798603A	1974-03-19	WAHLBERG E
A multiple transaction business machine is provided which includes means for selecting a plurality of transactions, totaling the cost of such transactions and determining the value of payment tendered in satisfaction of the cost of the transactions by payment evaluating means receiving legal tender, credit media and negotiable instruments from the purchaser in tender of satisfaction of the cost of the transactions selected, as well as means for validating the credit media and negotiable instruments presented and means for validating the identity of the purchaser. The machine issues tickets and the like in response to preselection of various modes of transportation, package mailing and handling, etc. A remote data link for the purpose of credit availability verification and purchaser identity is also provided together with remote control, intercom and live identification media.
127	SPECIAL OR SECURITY PAPER COMPRISING INTERNAL TOUCH RECOGNITION ELEMENTS	PCT/ES2005000180	2005-04-06	WO2006106156A3	2008-07-03	OLMOS RUIZ ANTONIO; RUBIO SANZ JUAN ANTONIO; BARAJA CARRACEDO JAVIER
The invention relates to special or security paper comprising internal touch recognition elements, which is suitable for use as legal tender or for any other type of document requiring means for facilitating touch recognition or preventing counterfeiting. The invention comprises a sheet of paper (1) containing inserted expanding agents (2) which may be centred in relation to the thickness of the sheet of paper or positioned close to the upper face and/or lower face of the sheet (1), such as to form a figure or legend. According to the invention, pressure and heat are applied to the aforementioned expanding agents, either as the paper is being produced or during subsequent processes, thereby causing the sheet (1) to expand and forming a curved, continuous relief (3) on the surface of the document.
128	PAPEL DE SEGURIDAD O ESPECIAL CON ELEMENTOS INTERNOS DE RECONOCIMIENTO TÁCTIL	PCT/ES2005/000180	2005-04-06	WO2006106156A2	2006-10-12	OLMOS RUIZ, Antonio; RUBIO SANZ, Juan, Antonio; BARAJA CARRACEDO, Javier
De aplicación para su empleo como billete de curso legal, o para cualquier otro tipo de documento cuyo reconocimiento táctil se quiere facilitar o cuya falsificación se pretende evitar. Consiste en una lámina de papel (1) en la que se encuentran insertados unos agentes expansionantes (2), ya sea centrados en altura o en las proximidades de la cara superior y/o de la cara inferior de la lámina de papel (1) conformando una figura o una leyenda, los cuales una vez se les aplica presión y calor, ya sea en la fase de fabricación del papel o procesos posteriores, dan lugar a una expansión de la lámina de papel (1) formándose un relieve (3) curvado y continuo sobre la superficie del documento.
129	SYSTEMS AND METHODS FOR MANAGING DISCOUNT VOUCHERS	US13536334	2012-06-28	US20140006122A1	2014-01-02	Jason W. Barker
A first voucher having a voucher purchase price and a discount offer is provided to a first user. The discount is specified as a price reduction or credit applicable towards purchasing a good or service. The first voucher is provided from a platform that is configured to provide a plurality of vouchers, including the first voucher, for a plurality of discounts offered by a plurality of different merchants. After the first user purchases the first voucher at the voucher purchase price in a first transaction, a monetary or fiat currency reward is remitted to one or more users, including the first user. The reward is related to at least a portion of proceeds that were obtained from voucher transactions with respect to a sale of one or more vouchers that occurred prior to the first transaction or wherein such reward is related to proceeds from another source.
130	Collectable gift cards	US13456329	2012-04-26	US08528828B2	2013-09-10	Howard Jay Fleischer; Carl E. Voigt, IV
A collectable gift card having a primary monetary value acceptable as legal tender for economic transactions and a secondary value providing a non-cash economic benefit to a consumer enhances the overall value of the card to both merchant and consumer. The primary value of the collectable gift card may be implemented through a standard gift card architecture or through other cash equivalent instruments such as credit cards, debit cards, cash cards or the like. The secondary value of the collectable gift card may be embodied as a gaming card for board games or other games of chance, or one card of a collectable set of cards, or as a puzzle piece forming a valuable image or game board. The collectable gift card may be a tangible object or a virtual card existing and tradable in electronic form in devices such as cell phones, mp3 players, or on the Internet.
131	COLLECTABLE GIFT CARDS	US13456329	2012-04-26	US20120228389A1	2012-09-13	HOWARD JAY FLEISCHER; CARL E. VOIGT, IV
A collectable gift card having a primary monetary value acceptable as legal tender for economic transactions and a secondary value providing a non-cash economic benefit to a consumer enhances the overall value of the card to both merchant and consumer. The primary value of the collectable gift card may be implemented through a standard gift card architecture or through other cash equivalent instruments such as credit cards, debit cards, cash cards or the like. The secondary value of the collectable gift card may be embodied as a gaming card for board games or other games of chance, or one card of a collectable set of cards, or as a puzzle piece forming a valuable image or game board. The collectable gift card may be a tangible object or a virtual card existing and tradable in electronic form in devices such as cell phones, mp3 players, or on the Internet.
132	COLLECTABLE GIFT CARDS	PCT/US2008/012391	2008-10-31	WO2009058374A1	2009-05-07	FLEISCHER, Howard, Jay; VOIGT, Carl, E.
A collectable gift card having a primary monetary value acceptable as legal tender for economic transactions and a secondary value providing a non-cash economic benefit to a consumer enhances the overall value of the card to both merchant and consumer. The primary value of the collectable gift card may be implemented through a standard gift card architecture or through other cash equivalent instruments such as credit cards, debit cards, cash cards or the like. The secondary value of the collectable gift card may be embodied as a gaming card for board games or other games of chance, or one card of a collectable set of cards, or as a puzzle piece forming a valuable image or game board. The collectable gift card may be a tangible object or a virtual card existing and tradeable in electronic form in devices such as cell phones, mp3 players, or on the Internet.
133	AN ELECTRONIC PAYMENT SYSTEM	PCT/SG2005/000196	2005-06-16	WO2006001776A1	2006-01-05	NG, Pek Yong
An electronic payment system (10) for purchasing goods and services using virtual money, the system (10) comprising: a server (12) to facilitate formation of a contract between a purchaser (7) and a vendor (8), for purchasing goods or services in exchange for virtual money; a virtual money reservation module to reserve a purchaser reservation amount in an account of the purchaser (7), the purchaser reservation amount being an amount of virtual money including a first portion to be paid to the vendor (8) in exchange for the goods or services; and a money release module to release the first portion of the purchaser reservation amount to the vendor (8) after the goods or services are received by the purchaser (7); wherein virtual money is a proxy for real money and convertible to real money having a legal tender.
134	Documents, articles and authentication of documents and articles	US11382459	2006-05-09	US07330563B2	2008-02-12	Geoffrey B. Rhoads
The present invention relates generally to physical articles, e.g., such as documents, and authenticating physical articles. One claim recites a method of determining authenticity of an analog form (e.g., a printed document such as legal tender, currency or identification documents). The analog form includes a machine-detectable signal represented in printing formed thereon. The signal is based on a rotationally symmetric pattern and is machine-detectable from visible light reading of the analog form, but the signal is imperceptible upon human inspection of the analog form. The method includes acts of: collecting visible light data corresponding to the analog form; transforming the visible light data to a complementary domain; inspecting the transformed data for the rotationally symmetric pattern, wherein presence of said pattern indicates presence of the signal; and taking an action based on presence of the signal. Other combinations and physical articles are provided as well.
135	MO, BI UND FE ENTHALTENDE MULTIMETALLOXIDMASSEN	PCT/EP2012/063530	2012-07-11	WO2013007736A1	2013-01-17	MACHT, Josef; KARPOV, Andrey; DOBNER, Cornelia Katharina; ROSOWSKI, Frank; HAMMON, Ulrich; MÜLLER-ENGEL, Klaus Joachim
Mo, Bi und Fe enthaltende Multimetalloxidmassen der allgemeinen Stöchiometrie I, Mo₁₂ Bi_a Co_b Fe_c K_d Si_e O_x(I), mit a = 0,5 bis 1, b = 7 bis 8,5, c = 1,5 bis 3,0, d = 0 bis 0,15, e = 0 bis 2,5und x = die elektrische Neutralität des Multimetalloxids gewährleistender stöchiometrischer Koeffizient von O^2-, sowie 12 - b - 1,5 ⋅ c = A und 0,5 ≤ A≤ 1,5, 0,2 ≤ a/A ≤ 1,3, und 2,5 ≤ b/c ≤ 9, und deren Verwendung.
136	系統、資訊處理裝置及程式	TW108144984	2019-12-09	TW202030659A	2020-08-16	染谷剛史; SOMEYA, TAKESHI; 安野俊幸; YASUNO, TOSHIYUKI; 大工俊平; DAIKU, SHUNPEI; 武田元彥; TAKEDA, MOTOHIKO; 武下真典; TAKESHITA, MASANORI; 井上大貴; INOUE, DAIKI
本發明提供一種系統、資訊處理裝置以及程式，利用對員工自主行動給予適當獎勵，從而能夠提升員工積極性。本發明之系統具備終端及資訊處理裝置，其兩者經由網路連接，終端具備操作部及通訊部，操作部構成為可操作終端，通訊部用以經由網路可將操作之類別發送至資訊處理裝置，資訊處理裝置具備取得部、分數計算部及分數回饋部，取得部可用以取得被發送之操作之類別，分數計算部可用以基於取得之操作之類別來計算表示用戶之信用度之分數，分數回饋部可用以將算出之分數作為具有與預定法定貨幣相兼容之報酬而回饋。
137	SYSTEM AND METHOD FOR DIGITAL CURRENCY STORAGE, PAYMENT AND CREDIT	US14712715	2015-05-14	US20160335628A1	2016-11-17	Adam Mark Weigold
A system and method for the secure online storage of digital currency or crypto-currency assets, and the secure use of stored online digital currency assets for financial payment transactions and credit lending transactions in either digital currency or fiat currency. The present invention includes various methods for the encryption and secure online storage of a digital currency wallet using spliced/paired design architecture, and various methods for the integration of secure digital currency online wallets with online banking platforms, debit card devices, credit card devices, credit lending networks, merchant payment processors and credit card associations. The present invention also relates to the use of spliced/paired design architecture for non-financial applications that improve the online storage security of other types of data files and document files that are not related to digital currency or financial transactions.
138	Collectable gift cards	US12290550	2008-10-31	US08186599B2	2012-05-29	Howard Jay Fleischer; Carl E. Voigt, IV
A collectable gift card having a primary monetary value acceptable as legal tender for economic transactions and a secondary value providing a non-cash economic benefit to a consumer enhances the overall value of the card to both merchant and consumer. The primary value of the collectable gift card may be implemented through a standard gift card architecture or through other cash equivalent instruments such as credit cards, debit cards, cash cards or the like. The secondary value of the collectable gift card may be embodied as a gaming card for board games or other games of chance, or one card of a collectable set of cards, or as a puzzle piece forming a valuable image or game board. The collectable gift card may be a tangible object or a virtual card existing and tradeable in electronic form in devices such as cell phones, mp3 players, or on the Internet.
139	Collectable gift cards	US12290550	2008-10-31	US20090289123A1	2009-11-26	Howard Jay Fleischer; Carl E. Voigt, IV
A collectable gift card having a primary monetary value acceptable as legal tender for economic transactions and a secondary value providing a non-cash economic benefit to a consumer enhances the overall value of the card to both merchant and consumer. The primary value of the collectable gift card may be implemented through a standard gift card architecture or through other cash equivalent instruments such as credit cards, debit cards, cash cards or the like. The secondary value of the collectable gift card may be embodied as a gaming card for board games or other games of chance, or one card of a collectable set of cards, or as a puzzle piece forming a valuable image or game board. The collectable gift card may be a tangible object or a virtual card existing and tradeable in electronic form in devices such as cell phones, mp3 players, or on the Internet.
140	SYSTEM AND METHOD FOR DIGITAL CURRENCY STORAGE, PAYMENT AND CREDIT	PCT/US2015/030920	2015-05-14	WO2015175854A2	2015-11-19	WEIGOLD, Adam
A system and method for the secure online storage of digital currency or crypto-currency assets, and the secure use of stored online digital currency assets for financial payment transactions and credit lending transactions in either digital currency or fiat currency. The present invention includes various methods for the encryption and secure online storage of a digital currency wallet using spliced / paired design architecture, and various methods for the integration of secure digital currency online wallets with online banking platforms, debit card devices, credit card devices, credit lending networks, merchant payment processors and credit card associations. The present invention also relates to the use of spliced / paired design architecture for non-financial applications that improve the online storage security of other types of data files and document files that are not related to digital currency or financial transactions.

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