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    Method and apparatus for printing a billing statement to provide supplementary product sales
    61.
    发明授权
    Method and apparatus for printing a billing statement to provide supplementary product sales 有权
    打印结算单以提供补充产品销售的方法和设备

    公开(公告)号：US06672507B1

    公开(公告)日：2004-01-06

    申请号：US09711996

    申请日：2000-11-14

    申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  Dean Alderucci

    发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  Dean Alderucci

    IPC分类号： G06K580

    CPC分类号： G06Q20/102 ,  B42D15/00 ,  G06Q20/00 ,  G06Q20/12 ,  G06Q20/14 ,  G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0215 ,  G06Q30/0235 ,  G06Q30/0236 ,  G06Q30/0251 ,  G06Q30/0255 ,  G06Q30/0261 ,  G06Q30/04 ,  G06Q40/00

    摘要： A central controller such as one operating for a credit card account issuer receives one or more billing items which are to be printed on an account holder's billing statement. The central controller determines if the billing items, which typically specify purchases, satisfy any merchant-specified upsell offer conditions. Some upsell offer conditions include the purchase of a predetermined product, or a purchase which exceeds a predefined price. Such upsell offer conditions, when satisfied, direct the central controller to offer an upsell on the billing statement. If any of the upsell offer conditions are satisfied, the central controller determines one or more upsells that correspond to the upsell offer condition. The upsells may be, for example, products complementary to previously-purchased products. The upsells are offered to the account holder by printing onto the billing statement indicia that specifies the upsells. Upon receiving an indication that an upsell was accepted, the upsell is provided to the account holder. The account holder may accept the upsell by appropriately modifying the billing statement and returning the statement with payment. The upsell is then provided, typically in the form of a reduced price at a point-of-sale terminal or a discount on a subsequent billing statement.

    摘要翻译： 一个中央控制器，例如用于信用卡帐户发行者的一个中央控制器，接收一个或多个计费项目，这些计费项目将被打印在账户持有人的账单上。 中央控制器确定通常指定采购的计费项目是否满足任何商家指定的加售报价条件。 一些加售报价条件包括购买预定的产品，或超过预定价格的购买。 这种加售提供条件，当满意时，指示中央控制人在计费单上提供加价。 如果满足任何加售报价条件，则中央控制器确定与加售报价条件相对应的一个或多个加售。 例如，加售可能与以前购买的产品相辅相成。 通过打印到指定加售的记帐单上的账单持有人提供加售。 在接收到接受加售的指示后，向帐户持有者提供加售。 账户持有人可以通过适当地修改账单并通过付款退还账单来接受加售。 然后提供加售，通常以销售点终端的降价形式或后续计费单上的折扣形式提供。

    Method and system for processing payments for remotely purchased goods
    63.
    发明授权
    Method and system for processing payments for remotely purchased goods 失效
    用于处理远程购买货物付款的方法和系统

    公开(公告)号：US06381582B1

    公开(公告)日：2002-04-30

    申请号：US08940265

    申请日：1997-09-29

    申请人： Jay S. Walker ,  Andrew S. Van Luchene

    发明人： Jay S. Walker ,  Andrew S. Van Luchene

    IPC分类号： G06F1760

    CPC分类号： G06Q30/06 ,  G06Q20/02 ,  G06Q20/208 ,  G06Q30/0613 ,  G06Q30/0635

    摘要： Systems and methods are provided whereby goods can be purchased from a remote seller such as a catalog marketer, and paid for at a local register, such as that of a local retailer. A point-of-sale system operable by a local seller processes, in a user-friendly manner, purchase codes identifying remote sellers to enable transactions including payments for both local and remotely purchased goods. A processor operable by a remote seller generates data for use by the local seller in receiving and processing a payment for goods purchased from the remote seller. A processor operable by a processing merchant permits the processing merchant to facilitate the remote sales and local payments, reconciling the related transactions occurring at the remote seller and the local seller. Further provided is a process for use by a customer enabling remote purchase of goods with subsequent local payment at a convenient location.

    摘要翻译： 提供了系统和方法，其中商品可以从诸如目录营销商的远程卖方购买，并且在当地的注册商（例如当地的零售商）登记。 由本地卖方操作的销售点系统以用户友好的方式进行购买代码，以识别远程卖方，以实现交易，包括本地和远程购买货物的支付。 由远程卖方可操作的处理器产生数据供本地卖方在接收和处理从远程卖方购买的货物的支付时使用。 由处理商家操作的处理器允许处理商家促进远程销售和本地支付，协调在远程卖方和本地卖方发生的相关交易。 还提供了一个客户使用的过程，使得能够在便利的位置进行远程购买货物以及随后的本地支付。

    Method and apparatus for securing a computer-based game of chance
    65.
    发明授权
    Method and apparatus for securing a computer-based game of chance 失效

    公开(公告)号：US06203427B1

    公开(公告)日：2001-03-20

    申请号：US08888049

    申请日：1997-07-03

    申请人： Jay S. Walker ,  Bruce Schneier ,  James A. Jorasch ,  Andrew S. Van Luchene

    发明人： Jay S. Walker ,  Bruce Schneier ,  James A. Jorasch ,  Andrew S. Van Luchene

    IPC分类号： A63F924

    CPC分类号： G07F17/32 ,  G06Q50/34 ,  G07F17/3262 ,  G07F17/3288

    摘要： A system is described for facilitating an Internet-based game of chance, particularly a computer-based version of a punchboard game having a grid with prizes associated with the various grid locations. The user can pay a central controller for each selection by providing a credit card number, or through other Internet transaction means. The central controller sends the user a fresh virtual punchboard (i.e. a game in which no selections have yet been made). The user selects a grid location, encrypts it, and then transmits it to the central controller. The central controller then generates prize values for the grid that it sent to the player. The user's computer stores the locations of each prize and determines whether the player's selection was a winner. If he has won, the player sends the decryption key to the central controller to decrypt his grid selection and authenticate his selection. The central controller then initiates a payment to the user.