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    MULTI-TIER PRICING OF INDIVIDUAL PRODUCTS BASED ON VOLUME DISCOUNTS
    53.
    发明申请
    MULTI-TIER PRICING OF INDIVIDUAL PRODUCTS BASED ON VOLUME DISCOUNTS 审中-公开
    基于体积折扣的个性化产品的多层次定价

    公开(公告)号：US20130060621A1

    公开(公告)日：2013-03-07

    申请号：US13599137

    申请日：2012-08-30

    申请人： Jay S. Walker ,  Andrew S. Van Luchene ,  Magdalena Mik ,  Daniel E. Tedesco

    发明人： Jay S. Walker ,  Andrew S. Van Luchene ,  Magdalena Mik ,  Daniel E. Tedesco

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/02 ,  G06Q20/202 ,  G06Q20/387 ,  G06Q30/0222 ,  G07G1/145

    摘要： A point of sale system or other computer system stores a product pricing database in which a full price and discount prices corresponding to one or more discount pricing tiers are stored for each product available for sale. Each of the discount prices for a given product has an associated threshold purchase total that has to be satisfied before the discount price is applied to a transaction. When a transaction occurs, the purchase total for the transaction is first calculated on the basis of full retail prices for the products and the purchase total for the transaction is compared with one or more threshold purchase totals which correspond to the discount pricing tiers. If a discount pricing tier is applicable (e.g. the calculated purchase total for the transaction is at least equal to a threshold purchase total), the appropriate discount prices for each product in the transaction are retrieved and used to calculate a reduced purchase total for the transaction. Qualification for discount pricing can also be based on, for example, a customer's purchasing history, or the number of a certain type of product included in the transaction instead of the purchase total of a transaction.

    摘要翻译： 销售系统或其他计算机系统存储产品定价数据库，其中针对可出售的每个产品存储对应于一个或多个折扣价格层的全价和折扣价格。 给定产品的每个折扣价格都有相关的门槛购买总额，在折扣价格应用于交易之前必须满足。 当交易发生时，交易的购买总额首先根据产品的全部零售价格计算，并将交易的购买总额与对应于折扣价格层级的一个或多个门槛购买总额进行比较。 如果适用折扣价格层级（例如交易的计算购买总额至少等于门槛购买总额），则会检索交易中每个产品的适当折扣价格，并用于计算交易的减少购买总额 。 折扣定价的资格也可以基于例如客户的采购历史，或交易中包括的特定类型的产品的数量，而不是交易的购买总额。

    METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER
    54.
    发明申请
    METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER 审中-公开
    用于生成单一使用财务帐号的方法和装置

    公开(公告)号：US20130036027A1

    公开(公告)日：2013-02-07

    申请号：US13648263

    申请日：2012-10-09

    申请人： JAY S. WALKER ,  Bruce R. Schneier ,  Sanjay K. Jindal ,  Daniel E. Tedesco

    发明人： JAY S. WALKER ,  Bruce R. Schneier ,  Sanjay K. Jindal ,  Daniel E. Tedesco

    IPC分类号： G06Q30/06

    CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/206 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q40/02 ,  G06Q40/025 ,  G07F7/1016

    摘要： A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction. The central processor extracts and decrypts data elements from the transmitted identifier using the private cryptographic key, compares those data elements with data elements stored in a memory, and verifies the single-use financial account identifier in accordance with the comparison.

    摘要翻译： 描述了一种用于促进金融账户交易的装置，其包括包括密码处理器的处理单元。 该设备还包括连接到处理单元的输入单元，显示单元和存储设备。 该存储装置包含专用加密密钥，第一数据元素和第二数据元素。 处理单元使用专用密钥和第二数据元素对第一数据元素进行加密，修改第二数据元素，组合加密的第一数据元素和第二数据元素以生成一次性金融账户标识符，并显示单个 - 使用财务帐户标识符。 然后，该标识符被传送到中央处理器以授权交易。 中央处理器使用专用密钥从所发送的标识符中提取和解密数据元素，将这些数据元素与存储在存储器中的数据元素进行比较，并根据比较验证一次性金融帐户标识符。

    Apparatus, systems and methods for facilitating commerce
    56.
    发明授权
    Apparatus, systems and methods for facilitating commerce 有权
    用于促进商业的装置，系统和方法

    公开(公告)号：US08335723B2

    公开(公告)日：2012-12-18

    申请号：US11570616

    申请日：2006-08-09

    申请人： Daniel E. Tedesco ,  Jay S. Walker ,  James A. Jorasch ,  Evan I. Schwartz ,  Dean P. Alderucci

    发明人： Daniel E. Tedesco ,  Jay S. Walker ,  James A. Jorasch ,  Evan I. Schwartz ,  Dean P. Alderucci

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/0623 ,  G06Q30/06 ,  G06Q30/0613 ,  G06Q30/0641 ,  G06Q30/0643

    摘要： According to one or more embodiments, apparatus, systems and methods are provided for facilitating commerce. In some embodiments, an apparatus (e.g., a central computer) facilitates posting of an item for sale by receiving a digital image of an item for sale, receiving an audio description (e.g., included in an audio file) of the item, and providing an indication of the description to at least one potential buyer. In one embodiment, the digital image and the audio description are received from a mobile phone.

    摘要翻译： 根据一个或多个实施例，提供了便于商业的装置，系统和方法。 在一些实施例中，装置（例如，中央计算机）通过接收待出售的物品的数字图像，接收物品的音频描述（例如，包括在音频文件中）来促进要出售的物品的发布，并提供 向至少一个潜在买家说明描述。 在一个实施例中，从移动电话接收数字图像和音频描述。

    SYSTEM AND METHOD FOR FACILITATING ACCOUNT-BASED TRANSACTIONS
    58.
    发明申请
    SYSTEM AND METHOD FOR FACILITATING ACCOUNT-BASED TRANSACTIONS 失效
    促进基于帐户交易的系统和方法

    公开(公告)号：US20120265639A1

    公开(公告)日：2012-10-18

    申请号：US13531677

    申请日：2012-06-25

    申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    IPC分类号： G06Q30/06

    CPC分类号： G06Q20/401 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/385 ,  G06Q20/4037 ,  G06Q20/409 ,  G06Q20/425 ,  G06Q30/0284 ,  G06Q40/00 ,  G06Q40/12 ,  G07F7/08 ,  H04L29/06 ,  H04L67/14 ,  H04L69/329

    摘要： Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.

    摘要翻译： 提出了系统，方法和设备，以促进基于帐户的交易。 在一个实施例中，该方法包括将第一人员与帐户相关联，将第二人员与该帐户相关联，接收来自第三方的请求以授权第二人与第三方之间的交易，确定第二人与第三方之间的第一通信地址 第一方，并联系第一方。 该过程还包括确定第一人希望与第二人通信，确定第二人的第二通信地址，发起第一人与第二人之间的通信，以及接收来自第一人的授权的第一人的信号 交易或拒绝交易。