公开(公告)号：US20060106696A1

公开(公告)日：2006-05-18

申请号：US10988475

申请日：2004-11-12

Applicant: Michael Carlson ,  Herman Rodriguez

Inventor： Michael Carlson ,  Herman Rodriguez

IPC: G06Q40/00

CPC classification number: G06Q20/10 ,  G06Q20/04 ,  G06Q40/00 ,  G06Q40/02

Abstract: Provided is a method for transferring a single, integrated financial account from one financial institution. A balance of the integrated account is determined by withdrawals and deposits regardless of to which un-integrated account a particular withdrawal or deposit corresponds. When a customer transfers the account, a complete account history is transferred in addition to assets. Thus, the new financial institution can immediately ascertain the customer's financial track record. Using the complete account history, the new institution can determine such financial parameters as credit rating and interest rates according to the new institution's own criteria. All pending transactions are completed and cleared from the old account. Automatic deposits and withdrawals are also transferred. The new bank sends an address correction to the party that submitted the automatic transaction, identifying both the old and new account destinations.

Abstract translation: 提供了从一家金融机构转移单一综合金融账户的方法。 综合账户的余额由取款和存款决定，而不考虑特定提款或存款对应的哪一个非综合账户。 当客户转账时，除了资产之外，还会传输完整的帐户历史记录。 因此，新的金融机构可以立即确定客户的财务记录。 使用完整的账户历史，新机构可以根据新机构自己的标准确定信用评级和利率等财务参数。 所有待处理的交易都将从旧帐户完成并清除。 自动存款和取款也转账。 新银行向提交自动交易的一方发送地址更正，确定新旧帐户目的地。

公开(公告)号：US20060106695A1

公开(公告)日：2006-05-18

申请号：US10988469

申请日：2004-11-12

Applicant: Michael Carlson ,  Herman Rodriguez

Inventor： Michael Carlson ,  Herman Rodriguez

IPC: G06Q40/00 ,  G06K5/00

CPC classification number: G06Q20/403 ,  G06Q20/24 ,  G06Q40/00 ,  G06Q40/02

Abstract: Provided is a real-time method for calculating a credit report based upon information associated with a single, integrated financial account. The account has an associated balance based upon deposits and withdrawals, regardless of the type of transaction that generated a particular deposit or withdrawal. An account history is maintained and employed to calculate a credit rating. The rating is determined by an inspection of the integrated account. Information associated with the account is transferable. As deposits and withdrawals are made to an account, the credit rating can be adjusted in real-time. Metric information such as the frequency of deposits and withdrawals can be used as a factor in the calculation of a credit rating. Payment made by another customer on a co-signed loan, can also be a factor. Collateral deemed appropriate may be placed in the account and the customer's credit rating adjusted to reflect the value of the collateral.

Abstract translation: 提供了一种基于与单一综合金融账户相关联的信息来计算信用报告的实时方法。 该帐户具有基于存款和取款的相关余额，而不管产生特定存款或提款的交易类型。 账户历史记录被维护并用于计算信用评级。 评级由综合账户的检查确定。 与该帐户相关联的信息是可转让的。 存款和取款作为账户，可以实时调整信用评级。 诸如存款和提款频率等度量信息可用作计算信用评级的一个因素。 另一个客户在共同签署的贷款上付款也可以是一个因素。 认为适当的抵押品可以放在账户中，并且调整客户的信用评级以反映抵押品的价值。

公开(公告)号：US20060106694A1

公开(公告)日：2006-05-18

申请号：US10988468

申请日：2004-11-12

Applicant: Michael Carlson ,  Herman Rodriguez

Inventor： Michael Carlson ,  Herman Rodriguez

IPC: G06Q40/00

CPC classification number: G06Q40/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q40/00

Abstract: Provided is a method for transferring automatic debit and deposit transactions from an account at one financial institution to another account at another financial institution. When the account is opened, the old financial institution forwards the request for payment or deposit to the new financial institution. The new institution sends an address correction to the party that automatically submits the automatic transaction, identifying both the old and new accounts. If the transaction is a payment, the payment originates from the new account at the new bank and is transmitted to the original destination. If the transaction is a deposit, the transaction originates from the original institution and is transmitted to the new account at the new institution.

Abstract translation: 提供一种将自动借记和存款交易从一个金融机构的账户转移到另一个金融机构的另一个账户的方法。 当账户开立时，旧金融机构向新的金融机构转发付款或存款请求。 新机构向自动提交自动交易的一方发送地址更正，确定新账户和新账户。 如果交易是付款，则支付来自新银行的新帐户，并将其发送到原始目的地。 如果交易是存款，交易来自原始机构，并转交给新机构的新账户。

公开(公告)号：US20060106693A1

公开(公告)日：2006-05-18

申请号：US10988464

申请日：2004-11-12

Applicant: Michael Carlson ,  Herman Rodriguez

Inventor： Michael Carlson ,  Herman Rodriguez

IPC: G06Q40/00

CPC classification number: G06Q20/227 ,  G06Q20/04 ,  G06Q40/00 ,  G06Q40/02

Abstract: Provided is an integrated financial account that encompasses all types of transactions. The balance of the account is determined by withdrawals and deposits regardless of the type of transaction to which the withdrawal or deposit corresponds. If a debt is presented, the net balance of the account is adjusted downward accordingly. If a credit is presented, the balance is adjusted upward accordingly. If an account has a negative balance, the balance is adjusted to reflect interest expense. If account has a positive balance, an agreed upon interest is accrued. A balance of the integrated account can include collateral and obligations that the customer places in the account. Information about the account can be downloaded to a customer's personal financial management (PFM) tools, which could segment the account into separate components corresponding to traditional accounts. The integrated account can be used as collateral for insurance with balance adjusted based upon risk.

Abstract translation: 提供包含所有类型交易的综合金融账户。 帐户的余额由提款和存款确定，而不管撤销或存款对应的交易类型。 如果出现债务，账户净余额相应调低。 如果提供信用证，则相应调整余额。 如果账户余额为负数，则调整余额以反映利息费用。 如果账户有一个积极的余额，就会产生一个同意的利息。 综合账户的余额可以包括客户在账户中的抵押品和义务。 有关帐户的信息可以下载到客户的个人财务管理（PFM）工具中，这可以将帐户分为与传统帐户相对应的单独组件。 综合账户可用作保险抵押品，余额根据风险进行调整。

公开(公告)号：US20060093106A1

公开(公告)日：2006-05-04

申请号：US10965145

申请日：2004-10-14

Applicant: Herman Rodriguez ,  Newton Smith ,  Clifford Spinac

Inventor： Herman Rodriguez ,  Newton Smith ,  Clifford Spinac

IPC: H04M15/00

CPC classification number: H04M15/07 ,  H04M15/00 ,  H04M15/08 ,  H04M2215/64

Abstract: The present invention is directed to a method and system for altering an administrator of a multi-way call during the multi-way call connection and transferring the associated charges from one administrator to another. After a multi-way call connection is established from the originating party to many participating parties, the originating party may be given an opportunity to shift an administrator role to one of the participating parties. The participating party designated to be a new administrator may accept or refuse the request from the originating party. Once the participating party accepts the new administrator role, the subsequent charges may be transferred to the participating party and the originating party may be able to continue in or to drop out from the multi-way call without further responsibility of charges.

公开(公告)号：US07039440B2

公开(公告)日：2006-05-02

申请号：US10718300

申请日：2003-11-20

Applicant: Herman Rodriguez ,  Newton James Smith, Jr. ,  Clifford Jay Spinac

Inventor： Herman Rodriguez ,  Newton James Smith, Jr. ,  Clifford Jay Spinac

IPC: H04M1/00

CPC classification number: G07F7/08 ,  G06Q20/28 ,  G06Q20/32 ,  G06Q20/342 ,  G06Q20/4037 ,  G07F7/025 ,  G07F19/211

Abstract: A method, computer program product and system that may be used to limit the funds that are available through the use of a business transaction card by having a business transaction card first place a request for an increase of the available funds. A wireless device is sensed within a proximity to a terminal that supports wireless communication and communication between the wireless device and the terminal is established for transferring an identification code from the wireless device to the terminal. The terminal is communicatively connected to a server and the terminal automatically transfers the identification code from the terminal to the server. The server matches the identification code with an account number of the business transaction card and, if authorization exists, automatically increases the funds available balance of the business transaction card.

Abstract translation: 可以用于通过使用商业交易卡来首先提出可用资金增加的请求来限制通过使用商业交易卡可用的资金的方法，计算机程序产品和系统。 在支持无线通信的终端附近感测到无线设备，建立无线设备与终端之间的通信，用于将识别码从无线设备传送到终端。 终端通信连接到服务器，终端自动将识别码从终端传送到服务器。 服务器将识别码与业务交易卡的帐号进行匹配，如果存在授权，则会自动增加商业交易卡的可用资金余额。

公开(公告)号：US20060080619A1

公开(公告)日：2006-04-13

申请号：US10960587

申请日：2004-10-07

Applicant: Michael Carlson ,  Herman Rodriguez

Inventor： Michael Carlson ,  Herman Rodriguez

IPC: G06F3/00

CPC classification number: G06Q10/10

Abstract: The present invention provides a flexible system and method for notifying a user when the user has an open document which is inactive over a predetermined period of inactivity defined by the user. The user may be able to set a desirable period of inactivity for each application at the time of the system initialization and change the desirable period of inactivity for an inactive document after the user receives notification.

Abstract translation: 本发明提供了一种灵活的系统和方法，用于在用户具有在用户定义的不活动预定时间段内不起作用的打开文档时通知用户。 用户可能能够在系统初始化时为每个应用设置期望的不活动周期，并且在用户接收到通知之后改变非活动文档的期望的不活动时间段。

公开(公告)号：US07006793B2

公开(公告)日：2006-02-28

申请号：US10046996

申请日：2002-01-16

Applicant: Maria Azua Himmel ,  Herman Rodriguez ,  Newton James Smith, Jr. ,  Clifford Jay Spinac

Inventor： Maria Azua Himmel ,  Herman Rodriguez ,  Newton James Smith, Jr. ,  Clifford Jay Spinac

IPC: H04B5/00

CPC classification number: H04M1/6091 ,  H04B1/3822 ,  H04M1/271 ,  H04M1/66 ,  H04M1/72577

Abstract: The present invention presents a method and computer program product for operating a mobile electronic device having a wireless transceiver within an automobile having an on-board computer. The method includes: receiving a wireless information message from the mobile electronic device within the automobile to the on-board computer, establishing a wireless communication link between the on-board computer and the mobile electronic device; communicating instructions from the on-board computer to the mobile electronic device to disable a one or more features within the mobile electronic device; and then communicating reconfiguration instructions from the on-board computer to the mobile electronic device, whereby the mobile electronic device reconfigures itself to become a slave device to the on-board computer. The motorist may then utilize the mobile electronic device through the input and output devices of the on-board computer.

Abstract translation: 本发明提供了一种用于在具有车载计算机的汽车内操作具有无线收发器的移动电子设备的方法和计算机程序产品。 该方法包括：从汽车内的移动电子设备接收无线信息消息到车载计算机，在车载计算机和移动电子设备之间建立无线通信链路; 将来自车载计算机的指令传送到移动电子设备以禁用移动电子设备内的一个或多个特征; 然后将重新配置指令从车载计算机传送到移动电子设备，由此移动电子设备重新配置成为车载计算机的从设备。 驾驶者然后可以通过车载计算机的输入和输出设备来利用移动电子设备。

公开(公告)号：US06987844B2

公开(公告)日：2006-01-17

申请号：US09942758

申请日：2001-08-30

Applicant: Maria Azua Himmel ,  Herman Rodriguez ,  Newton James Smith, Jr. ,  Clifford Jay Spinac

Inventor： Maria Azua Himmel ,  Herman Rodriguez ,  Newton James Smith, Jr. ,  Clifford Jay Spinac

IPC: H04M15/00 ,  H04M11/00 ,  H04M3/42

CPC classification number: H04M15/00 ,  H04M17/00 ,  H04M2215/32

Abstract: A method, computer program product, and data processing system for transferring mobile telephone minutes or other mobile telephone services or features from one customer to another is disclosed. A customer dials into an interactive service that allows the customer to specify one or more recipients and a number of minutes, services, or features to transfer. A data processing system associated with the customer's mobile telephone service provider effects a transfer of minutes, services, or features from the customer's account to the recipients' accounts. In addition, a notification that the transfer has occurred can be sent to the recipients.

公开(公告)号：US06975202B1

公开(公告)日：2005-12-13

申请号：US09717521

申请日：2000-11-21

Applicant: Herman Rodriguez ,  Newton James Smith, Jr. ,  Clifford Jay Spinac

Inventor： Herman Rodriguez ,  Newton James Smith, Jr. ,  Clifford Jay Spinac

IPC: G05B19/00 ,  G07C9/00

CPC classification number: G07C9/00857 ,  G07C9/00103 ,  G07C9/00571 ,  G07C9/00904 ,  G07C2009/00769 ,  G07C2009/0088 ,  G07C2209/08

Abstract: A system, apparatus and method for using an electronic key to open electronic locking devices is provided. With the system, apparatus and method, a key code is sent to a user's wireless communication device and is later used to open a corresponding locking device. The key code is generated by a key supplier based on a master key obtained from a master key supplier, e.g. an electronic lock manufacturer. The key code may include a master key portion, a secondary key portion, an activation/expiration portion, a wireless device identifier portion, a time of issue portion, and a time of last use portion.

Abstract translation: 提供一种使用电子钥匙打开电子锁定装置的系统，装置和方法。 利用系统，装置和方法，将密钥代码发送到用户的无线通信设备，并且稍后用于打开相应的锁定设备。 密钥代码由密钥供应商基于从主密钥供应商获得的主密钥生成，例如。 电子锁制造商。 密钥代码可以包括主密钥部分，次密钥部分，激活/到期部分，无线设备标识符部分，发布时间部分和最后使用部分的时间。