公开(公告)号：US09117206B2

公开(公告)日：2015-08-25

申请号：US12657764

申请日：2010-01-27

申请人： Raymond Anthony Joao

发明人： Raymond Anthony Joao

IPC分类号： G06F17/30 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02

CPC分类号： G06Q20/04 ,  G06Q20/12 ,  G06Q20/3221 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/12

摘要： A computer-implemented method, including receiving information regarding an individual and information involving an account involved in a transaction, wherein the information regarding the individual is received by a receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction, processing the information regarding the individual with a processing device, generating a report or a message in response to the processing of the information regarding the individual, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the individual, and transmitting the report or the message to a communication device associated with a merchant, vendor, or provider, of a good, product, or service.

摘要翻译： 一种计算机实现的方法，包括接收关于个人的信息和涉及涉及交易的帐户的信息，其中关于个人的信息在接收者在处理，完成，完成或取消之前被接收 处理与处理装置相关的关于个人的信息，响应于关于个人的信息的处理生成报告或消息，其中该报告或该消息包含有关涉及以前的交易的先前交易的退款的信息 个人，并将报告或消息传送到与商家，供应商或提供商相关联的与商品，产品或服务相关联的通信设备。

公开(公告)号：US20120133770A1

公开(公告)日：2012-05-31

申请号：US13374915

申请日：2012-01-23

申请人： Raymond Anthony Joao

发明人： Raymond Anthony Joao

IPC分类号： H04N7/18

CPC分类号： G01S11/12 ,  B63B49/00 ,  G01C21/3691 ,  G08G1/04 ,  G08G1/096716 ,  G08G1/096758 ,  G08G1/096783

摘要： An apparatus and method for providing information to a vehicle operator or occupant, which includes a receiver, for receiving a request for information from a vehicle operator or occupant, a processing device, for processing the request for information, and a transmitter, for transmitting the requested information to the vehicle operator or occupant. The information includes video information regarding one of a traffic condition and a road condition.

摘要翻译： 一种用于向车辆操作员或乘员提供信息的装置和方法，所述装置和方法包括接收机，用于从车辆操作员或乘客接收信息请求，处理装置用于处理信息请求，以及发射机，用于发送 向车辆操作人员或乘客要求提供信息。 信息包括关于交通状况和路况之一的视频信息。

公开(公告)号：US20120030702A1

公开(公告)日：2012-02-02

申请号：US13200446

申请日：2011-09-23

申请人： Raymond Anthony Joao

发明人： Raymond Anthony Joao

IPC分类号： H04N7/10 ,  H04N7/173

CPC分类号： G06Q30/02 ,  G06F16/40 ,  G06Q30/0277 ,  G06Q40/00 ,  H04N21/233 ,  H04N21/25891 ,  H04N21/6581

摘要： A digital television broadcast apparatus, including a database which stores a plurality of news stories or information received or obtained from any number of content providers, a memory device which stores information regarding a request by an individual to receive a personal news report, wherein the personal news report contains one or more news stories associated with a topic or subject specified by the individual, a processor which detects a posting of a news story or news stories in the database, determines if the news story or news stories are associated with the topic or subject specified by the individual, and if the news story or news stories are associated with the topic or subject specified by the individual, generates a personal news report containing the news story or news stories, and a transmitter which transmits the personal news story to a communication device associated with the individual.

摘要翻译： 一种数字电视广播装置，包括存储多个新闻故事的数据库或从任何数量的内容提供者接收或获得的信息，存储有关个人请求以接收个人新闻报道的信息的存储装置，其中，个人 新闻报道包含与个人指定的主题或主题相关联的一个或多个新闻故事，检测在数据库中发布新闻故事或新闻故事的处理器，确定新闻故事或新闻故事是否与主题相关联， 由个人指定的主题，如果新闻故事或新闻故事与个人指定的主题或主题相关联，则生成包含新闻故事或新闻故事的个人新闻报道，以及将个人新闻故事传送到 与个人相关联的通信设备。

公开(公告)号：US07895058B2

公开(公告)日：2011-02-22

申请号：US11974296

申请日：2007-10-12

申请人： Raymond Anthony Joao

发明人： Raymond Anthony Joao

IPC分类号： G06Q99/00

CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q10/1057 ,  G06Q40/00 ,  G06Q50/22

摘要： A computer-implemented method, including storing or processing information regarding a benefit provided to an employee pursuant to an employee benefit relationship between the employee and a benefit provider established prior to, pursuant to, or during, a first employment relationship between the employee and a first employer, storing or processing information for providing or maintaining the benefit pursuant to or during a second employment relationship between the employee and a second employer, receiving a request for information regarding the benefit, processing the request for information regarding the benefit with a processing device, generating a message in response to the processing of the request for information regarding the benefit, and transmitting the message to a communication device associated with the employee, a benefit beneficiary, a second employer, or a benefit administrator, via, on, or over, the Internet and/or the World Wide Web.

摘要翻译： 一种计算机实现的方法，包括存储或处理关于根据员工与在员工与雇员之间的第一雇佣关系之前，之后或期间建立的雇员福利关系之间提供给雇员的福利的信息 第一雇主，存储或处理根据雇员和第二雇主之间的第二雇佣关系提供或维持利益的信息，接收关于利益的信息的请求，使用处理装置处理关于利益的信息的请求 响应于关于利益的信息的请求的处理而产生消息，并且将消息发送到与雇员，受益人受益人，第二雇主或利益管理者相关联的通信设备，经由，在...或以上 ，互联网和/或万维网。

公开(公告)号：US20100274723A1

公开(公告)日：2010-10-28

申请号：US12802973

申请日：2010-06-17

申请人： Raymond Anthony Joao

发明人： Raymond Anthony Joao

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4016 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/02

摘要： A computer-implemented method, including processing, with a processing device, information regarding an account involved in a transaction involving an individual, wherein the information regarding the account is received by a receiver, and further wherein the information regarding the account is processed prior to a processing, a completion, a consummation, or a cancellation, of the transaction, generating, with the processing device, a report or a message in response to the processing of the information regarding the account, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the account, and transmitting, with or from a transmitter, the report or the message to a communication device associated with a merchant, vendor, or provider, of a good, product, or service.

摘要翻译： 一种计算机实现的方法，包括与处理设备一起处理涉及涉及个人的事务的帐户的信息，其中关于所述帐户的信息由接收者接收，并且其中所述关于所述帐户的信息在 所述交易的处理，完成，完成或取消，响应于关于所述帐户的信息的处理，与所述处理设备一起生成报告或消息，其中所述报告或所述消息包含关于 关于涉及该帐户的先前交易以及与发送者发送报告或消息的商品，产品或服务的与商家，供应商或供应商相关联的通信设备的收费。

公开(公告)号：US20100042440A1

公开(公告)日：2010-02-18

申请号：US12589294

申请日：2009-10-21

申请人： Raymond Anthony Joao

发明人： Raymond Anthony Joao

IPC分类号： G06Q50/00 ,  G06Q10/00 ,  G06Q40/00 ,  G06F17/30 ,  G06F15/16 ,  G06F17/28

CPC分类号： G06F19/3481 ,  G06F19/328 ,  G06F19/3418 ,  G06Q50/22 ,  G06Q50/24 ,  G16H10/60 ,  G16H15/00

摘要： An apparatus, including a memory device for storing a healthcare record or history for an individual which includes information provided by the individual or a healthcare provider, and information regarding a healthcare insurer or payer, a receiver for receiving information regarding the individual, containing information obtained from a device or equipment, or information regarding an examination finding, symptom, diagnosis, or prescribed treatment, transmitted from a first communication device to the receiver via, on, or over, the Internet and/or World Wide Web, a processing device which processes information for storing or updating the information regarding the individual in the healthcare record or history and which processes a request for information and generates a message in response to the request, and a transmitter for transmitting the message via, on, or over, Internet and/or World Wide Web to the first communication device or to a second communication device.

摘要翻译： 一种装置，包括用于存储包括个人或医疗保健提供者提供的信息的个人的保健记录或历史的存储装置，以及关于保健保险人或付款人的信息，用于接收关于个人的信息的接收器，其包含获得的信息 从互联网和/或万维网，从设备或设备或关于从第一通信设备发送到接收者的检查查找，症状，诊断或规定的处理的信息，处理设备 处理用于在医疗保健记录或历史中存储或更新关于个人的信息的信息，并且处理对信息的请求并响应于该请求生成消息;以及发送器，用于经由互联网和/ /或万维网到第一通信设备或第二通信设备。

公开(公告)号：US07490048B2

公开(公告)日：2009-02-10

申请号：US09987226

申请日：2001-11-14

申请人： Raymond Anthony Joao

发明人： Raymond Anthony Joao

IPC分类号： G06F19/00

CPC分类号： G06Q50/24 ,  G06F19/00 ,  G06F19/328 ,  G06F19/3418 ,  G06F19/3481 ,  G06Q10/10 ,  G06Q50/22 ,  G16H10/60 ,  G16H15/00 ,  G16H40/20 ,  G16H80/00

摘要： A computer-implemented method, including processing, with a processor, a request by a person or entity to access, obtain, change, alter, or modify, an individual's or patient's healthcare record or file which contains healthcare information or healthcare-related information personal to the individual or patient, generating a message containing information regarding the person or entity and/or identification information regarding the person or entity, and containing an actual change, alteration, or modification, sought to be made or made to the individual's or patient's healthcare record or file, and transmitting the message to a communication device of the individual or patient during, concurrently with, at a same time as, or prior to a completion of, an accessing, obtaining, changing, altering, or modifying, of the individual's or patient's healthcare record or file or a processing of the request.

摘要翻译： 一种计算机实现的方法，包括与处理器一起处理个人或实体访问，获取，改变，改变或修改个人或患者的医疗保健记录或文件的请求，该个人或患者的医疗保健记录或文件包含个人或医疗保健相关信息 产生包含关于个人或实体的信息的消息和/或关于个人或实体的身份信息，并且包含旨在对个人或患者的医疗保健进行的实际改变，改变或修改。 记录或文件，并且在个人或患者的访问，获取，改变，改变或修改的同时，同时或之前完成个人或患者的通信设备，并将其发送到个人或患者的通信设备。 或患者的保健记录或文件或请求的处理。

公开(公告)号：US07277010B2

公开(公告)日：2007-10-02

申请号：US10263554

申请日：2002-10-03

申请人： Raymond Anthony Joao

发明人： Raymond Anthony Joao

IPC分类号： G08B1/08

CPC分类号： B60R25/102 ,  B60R25/252 ,  B60R25/257 ,  B60R25/33 ,  B60R2325/304 ,  B60W2550/402

摘要： Monitoring apparatus and method including a processor, associated with a web site and capable of providing audio and video, which receives audio information recorded or obtained at a vehicle or premises. The processor, located remote from the vehicle or premises, receives a signal from a device located remote from the processor and the vehicle or premises. The audio information is transmitted to the device over the Internet and/or World Wide Web in response to the signal. Monitoring apparatus and method including a processor, associated with a web site, which receives video information recorded or obtained at a vehicle or premises. The processor, located remote from the vehicle or premises, receives a signal transmitted from a device located remote from the processor and the vehicle or premises. The video information is transmitted to the device on or over the Internet and/or World Wide Web in response to the signal.

摘要翻译： 监视装置和方法包括与网站相关联并且能够提供音频和视频的处理器，其接收在车辆或房屋处记录或获得的音频信息。 位于远离车辆或处所的处理器从远离处理器和车辆或房屋的设备接收信号。 响应于该信号，音频信息通过因特网和/或万维网传输到设备。 监视装置和方法包括与网站相关联的处理器，其接收在车辆或房屋处记录或获得的视频信息。 位于远离车辆或处所的处理器接收从远离处理器和车辆或房屋的设备发送的信号。 响应于该信号，视频信息在互联网和/或万维网上或上面被发送到设备。

公开(公告)号：US07096003B2

公开(公告)日：2006-08-22

申请号：US09949694

申请日：2001-09-10

申请人： Raymond Anthony Joao ,  Robert Richard Bock

发明人： Raymond Anthony Joao ,  Robert Richard Bock

IPC分类号： H04Q7/20 ,  H04Q7/36 ,  H04Q7/32

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/325 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q20/425 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02

摘要： An apparatus including a memory device for storing a limitation or restriction on an account use received via the Internet and/or World Wide Web and a processing device for determining whether a transaction on the account or a use of a wireless or cellular communication device is authorized, allowed, or disallowed. An apparatus including a processing device for processing information regarding a banking transaction or use of a wireless or cellular communication device and generating a signal containing information regarding the transaction or device use and a transmitter for transmitting the signal to a communication device. An apparatus including a processing device for processing transaction information and generating a signal containing transaction information, and a transmitter for transmitting the signal to a communication device via the Internet and/or World Wide Web independently of transaction processing by a central transaction processing computer.

摘要翻译： 一种包括用于存储经由因特网和/或万维网接收的帐户使用的限制或限制的存储装置的装置，以及用于确定帐户上的交易或无线或蜂窝通信装置的使用是否被授权的处理装置 ，允许或不允许。 一种装置，包括用于处理关于银行交易的信息或使用无线或蜂窝通信装置的信息的处理装置，并且生成包含关于交易或装置使用的信息的信号以及用于将信号发送到通信装置的发送器。 一种装置，包括用于处理交易信息并产生包含交易信息的信号的处理装置，以及发送器，用于经由因特网和/或万维网将信号发送到通信装置，而与中央交易处理计算机的交易处理无关。

公开(公告)号：US06529725B1

公开(公告)日：2003-03-04

申请号：US09169053

申请日：1998-10-09

申请人： Raymond Anthony Joao ,  Robert Richard Bock

发明人： Raymond Anthony Joao ,  Robert Richard Bock

IPC分类号： H04Q720

CPC分类号： G06Q20/04 ,  G06Q20/32 ,  G06Q20/3227 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q20/425

摘要： A transaction security apparatus and method including an input device for inputting transaction data, a processing device for processing the transaction data and for generating a first signal corresponding to the transaction, and a transmitter for transmitting the first signal over a communication network directly to a communication device associated with an individual account holder. The communication device provides notification to the individual account holder of the transaction.

摘要翻译： 一种交易安全装置和方法，包括用于输入交易数据的输入装置，用于处理交易数据并用于产生对应于交易的第一信号的处理装置，以及用于通过通信网络将第一信号直接发送到通信的发送器 与个人账户持有人关联的设备。 通信设备向交易的个人账户持有者提供通知。