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    Device and method for facilitating financial transactions
    11.
    发明授权
    Device and method for facilitating financial transactions 有权
    促进金融交易的手段和方法

    公开(公告)号：US09015074B2

    公开(公告)日：2015-04-21

    申请号：US13608003

    申请日：2012-09-10

    申请人： Qun Chen ,  Kenneth James Emerson ,  Edward Vincent O'Meara

    发明人： Qun Chen ,  Kenneth James Emerson ,  Edward Vincent O'Meara

    IPC分类号： G06Q40/00 ,  G06Q20/12 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/04 ,  G06Q40/08

    CPC分类号： G06Q20/12 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/204 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/0601 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06 ,  G06Q40/08 ,  G06Q40/10 ,  G06Q40/12

    摘要： A device, system, and method for conducting a secure transaction over a network includes receiving from a user, being issued a stored-value financial instrument, a dollar amount to be associated to the stored-value financial instrument, communicating the dollar amount to a debit agent residing on a network processing and communication device, receiving at the debit agent a selection of a non-integrated financial institution selected from a list that includes at least one non-integrated financial institution, receiving at the debit agent a financial-institution user-identifier from the user, communicating the financial-institution user-identifier from the debit agent to the selected non-integrated financial institution, participating in a user-free electronic dialogue between the debit agent and the selected non-integrated financial institution, the dialogue including a request to transfer funds from the selected non-integrated financial institution, and transferring, with the debit agent, the funds from the selected non-integrated financial institution to the stored-value financial instrument.

    摘要翻译： 用于通过网络进行安全交易的设备，系统和方法包括从用户接收正在发行储值金融工具的与存储价值金融工具相关联的美元金额，将美元金额传达到 借方代理人驻留在网络处理和通信设备上，在借方代理处接收从包括至少一个非综合金融机构的列表中选择的非综合金融机构的选择，在借记代理处接收金融机构用户 - 从用户传达金融机构用户标识符从借记代理到所选择的非综合金融机构，参与借方代理和所选择的非综合金融机构之间的无用户电子对话，对话 包括从选定的非综合金融机构转移资金的请求，并转帐借款年龄 nt，从选定的非综合金融机构到储值金融工具的资金。

    Method, device, and system for completing on-line financial transactions
    12.
    发明授权
    Method, device, and system for completing on-line financial transactions 有权
    完成在线金融交易的方法，设备和系统

    公开(公告)号：US08271385B2

    公开(公告)日：2012-09-18

    申请号：US12781686

    申请日：2010-05-17

    申请人： Kenneth James Emerson ,  Edward Vincent O'Meara ,  Qun Chen

    发明人： Kenneth James Emerson ,  Edward Vincent O'Meara ,  Qun Chen

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/12 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/204 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/0601 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/08 ,  G06Q40/12

    摘要： A method for conducting a secure transaction over a network includes the steps of receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user, receiving a user identifier from a user, receiving a financial institution selection from the user, initiating a communication session with the selected financial institution, receiving a financial-institution user-identifier from the user, communicating the financial-institution user-identifier to the selected financial institution, communicating to the selected financial institution a request to transfer funds, receiving the funds from the selected financial institution, and sending the funds to the merchant.

    摘要翻译： 用于通过网络执行安全交易的方法包括以下步骤：从商家接收价格和交易标识符，交易标识符标识用户做出的购买选择，从用户接收用户标识符，接收金融机构选择 从所述用户发起与所选择的金融机构的通信会话，从所述用户接收金融机构用户标识符，将所述金融机构用户标识符传送到所选择的金融机构，向所选金融机构通知转移请求 资金，从选定的金融机构接收资金，并将资金发送给商户。

    WATERPROOF LED DIFFUSER
    13.
    发明申请
    WATERPROOF LED DIFFUSER 失效
    防水LED散热器

    公开(公告)号：US20120044677A1

    公开(公告)日：2012-02-23

    申请号：US12860452

    申请日：2010-08-20

    申请人： Yi-Qun CHEN

    发明人： Yi-Qun CHEN

    IPC分类号： F21V11/00

    CPC分类号： F21V3/02 ,  F21V31/00 ,  F21W2111/00 ,  F21W2121/00 ,  F21Y2115/10 ,  G02B19/0061

    摘要： An LED waterproof diffuser has an LED substrate housing, a diffusing portion and an embedded locating portion. The housing is of a 3D holding space formed by an end wall and a periphery. An LED inlet is formed at the other end of the periphery. The hollow diffusing portion is protruded from the center of the end wall of the LED substrate housing in a reducing pattern. The embedded locating portion is formed externally onto the diffusing portion, and can also be embedded securely into the hole of an existing shell plate. The diffuser allows one to assemble a single or several LED units, thus reducing the manufacturing cost and realizing excellent waterproofing effects, while enabling partial replacement or maintenance of LED elements. Moreover, since the outer diameter of the diffusing portion is smaller than that of the LED substrate housing, a smaller hole area for assembly can be obtained.

    摘要翻译： LED防水扩散器具有LED基板壳体，漫射部分和嵌入定位部分。 壳体是由端壁和周边形成的3D保持空间。 在外围的另一端形成LED入口。 中空扩散部以还原图形从LED基板壳体的端壁的中心突出。 嵌入式定位部分外部形成在漫射部分上，并且还可以牢固地嵌入到现有壳板的孔中。 扩散器允许组装单个或多个LED单元，从而降低制造成本并实现优异的防水效果，同时实现LED元件的部分更换或维护。 此外，由于扩散部的外径小于LED基板壳体的外径，因此可以获得更小的用于组装的孔面积。

    LED SOLAR TRAFFIC MARKING PANEL FITTED WITH INTEGRATED DIMMING CONTROLLER
    14.
    发明申请
    LED SOLAR TRAFFIC MARKING PANEL FITTED WITH INTEGRATED DIMMING CONTROLLER 失效
    LED太阳能交通标记面板配有集成式调光控制器

    公开(公告)号：US20110156926A1

    公开(公告)日：2011-06-30

    申请号：US12649514

    申请日：2009-12-30

    申请人： Yi-Qun Chen ,  Shuei-Tian Cai

    发明人： Yi-Qun Chen ,  Shuei-Tian Cai

    IPC分类号： G08G1/095 ,  H05B37/02

    CPC分类号： H05B33/0854

    摘要： A multifunctional integrated dimming controller and an LED solar traffic marking panel fitted with this controller. The multifunctional integrated dimming controller is applied to the marking panel for combining and controlling its dimming function. The multifunctional integrated dimming controller includes a controller casing having an assembly surface and a terminal coupling portion. A contact block of solar photovoltaic panel is assembled on the coupling portion and connected with the solar photovoltaic panel. A contact block is assembled on the terminal coupling portion and connected with the electrical storage device. An LED contact block is assembled on the coupling portion and connected with the LED unit. An external sensing contact block is assembled on the coupling portion and connected with the external sensor. An integrated electrical control module is accommodated into the controller casing including a circuit board, a dimming processor on the circuit board and an electrical control unit.

    摘要翻译： 多功能集成调光控制器和配有该控制器的LED太阳能交通标线盘。 多功能集成调光控制器适用于组合和控制其调光功能的标记面板。 多功能集成调光控制器包括具有组装表面和端子联接部分的控制器壳体。 太阳能光伏面板的接触块组装在耦合部分上并与太阳能光伏板连接。 接触块组装在端子联接部分上并与蓄电装置连接。 LED接触块组装在耦合部分上并与LED单元连接。 外部感测触点块组装在耦合部分上并与外部传感器连接。 集成电气控制模块被容纳在控制器壳体中，包括电路板，电路板上的调光处理器和电气控制单元。

    METHOD, DEVICE, AND SYSTEM FOR COMPLETING ON-LINE FINANCIAL TRANSACTIONS
    16.
    发明申请
    METHOD, DEVICE, AND SYSTEM FOR COMPLETING ON-LINE FINANCIAL TRANSACTIONS 有权
    完成在线金融交易的方法，设备和系统

    公开(公告)号：US20100223152A1

    公开(公告)日：2010-09-02

    申请号：US12781686

    申请日：2010-05-17

    申请人： Kenneth James Emerson ,  Edward Vincent O'Meara ,  Qun Chen

    发明人： Kenneth James Emerson ,  Edward Vincent O'Meara ,  Qun Chen

    IPC分类号： G06Q20/00 ,  G06Q40/00 ,  G06Q30/00

    CPC分类号： G06Q20/12 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/204 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/0601 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/08 ,  G06Q40/12

    摘要： A method for conducting a secure transaction over a network includes the steps of receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user, receiving a user identifier from a user, receiving a financial institution selection from the user, initiating a communication session with the selected financial institution, receiving a financial-institution user-identifier from the user, communicating the financial-institution user-identifier to the selected financial institution, communicating to the selected financial institution a request to transfer funds, receiving the funds from the selected financial institution, and sending the funds to the merchant.

    摘要翻译： 用于通过网络执行安全交易的方法包括以下步骤：从商家接收价格和交易标识符，交易标识符标识用户做出的购买选择，从用户接收用户标识符，接收金融机构选择 从所述用户发起与所选择的金融机构的通信会话，从所述用户接收金融机构用户标识符，将所述金融机构用户标识符传送到所选择的金融机构，向所选金融机构通知转移请求 资金，从选定的金融机构接收资金，并将资金发送给商户。

    Method, device, and system for completing on-line financial transaction
    17.
    发明授权
    Method, device, and system for completing on-line financial transaction 有权
    完成在线金融交易的方法，设备和系统

    公开(公告)号：US07720764B2

    公开(公告)日：2010-05-18

    申请号：US12024581

    申请日：2008-02-01

    申请人： Kenneth James Emerson ,  Edward Vincent O'Meara ,  Qun Chen

    发明人： Kenneth James Emerson ,  Edward Vincent O'Meara ,  Qun Chen

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/12 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/204 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/0601 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/08 ,  G06Q40/12

    摘要： A method for conducting a secure transaction over a network includes the steps of receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user, receiving a user identifier from a user, receiving a financial institution selection from the user, initiating a communication session with the selected financial institution, receiving a financial-institution user-identifier from the user, communicating the financial-institution user-identifier to the selected financial institution, communicating to the selected financial institution a request to transfer funds, receiving the funds from the selected financial institution, and sending the funds to the merchant.

    摘要翻译： 用于通过网络执行安全交易的方法包括以下步骤：从商家接收价格和交易标识符，交易标识符标识用户做出的购买选择，从用户接收用户标识符，接收金融机构选择 从所述用户发起与所选择的金融机构的通信会话，从所述用户接收金融机构用户标识符，将所述金融机构用户标识符传送到所选择的金融机构，向所选金融机构通知转移请求 资金，从选定的金融机构接收资金，并将资金发送给商户。

    Method, Device, and System for Completing On-Line Financial Transaction
    18.
    发明申请
    Method, Device, and System for Completing On-Line Financial Transaction 有权
    完成在线金融交易的方法，设备和系统

    公开(公告)号：US20090198615A1

    公开(公告)日：2009-08-06

    申请号：US12024581

    申请日：2008-02-01

    申请人： Kenneth James Emerson ,  Edward Vincent O'Meara ,  Qun Chen

    发明人： Kenneth James Emerson ,  Edward Vincent O'Meara ,  Qun Chen

    IPC分类号： G06Q20/00

    CPC分类号： G06Q20/12 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/204 ,  G06Q20/382 ,  G06Q20/383 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/0601 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/08 ,  G06Q40/12

    摘要： A method for conducting a secure transaction over a network includes the steps of receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user, receiving a user identifier from a user, receiving a financial institution selection from the user, initiating a communication session with the selected financial institution, receiving a financial-institution user-identifier from the user, communicating the financial-institution user-identifier to the selected financial institution, communicating to the selected financial institution a request to transfer funds, receiving the funds from the selected financial institution, and sending the funds to the merchant.

    摘要翻译： 用于通过网络执行安全交易的方法包括以下步骤：从商家接收价格和交易标识符，交易标识符标识用户做出的购买选择，从用户接收用户标识符，接收金融机构选择 从所述用户发起与所选择的金融机构的通信会话，从所述用户接收金融机构用户标识符，将所述金融机构用户标识符传送到所选择的金融机构，向所选金融机构通知转移请求 资金，从选定的金融机构接收资金，并将资金发送给商户。