公开(公告)号：US07899742B2

公开(公告)日：2011-03-01

申请号：US10600483

申请日：2003-06-19

申请人： Marc Benkert ,  Chris Hobbs ,  Kazuhiko Okamoto ,  Grace Park ,  Tomer Rubinshtein

发明人： Marc Benkert ,  Chris Hobbs ,  Kazuhiko Okamoto ,  Grace Park ,  Tomer Rubinshtein

IPC分类号： G06Q40/00

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/00

摘要： The present invention provides a system and method for providing a flexible limit subsidiary account that may be issued by a Foreign Financial Institution. In particular, the present provides a system and method for allowing a parent to provide funds to a subsidiary and to control the spending of subsidiary or spending capacity. The card account may be issued at the request of the parent who may retain the ability to define, modify, and/or terminate the spending and/or debt accumulation limits for the subsidiary card account as well as other features as described in the attached disclosure. The system may be configured to provide the ability for parent to eliminate risks associated with fluctuations in currency exchange rates by committing to fixed automatic long-term charges at a fixed foreign exchange rate for a fixed term.

摘要翻译： 本发明提供了一种用于提供可由外国金融机构发行的灵活限额附属账户的系统和方法。 特别是，现在提供了一种允许父母向子公司提供资金并控制子公司或支出能力支出的制度和方法。 该卡账户可以应父母的要求发行，母公司可能会保留定义，修改和/或终止辅助卡账户的支出和/或债务累积限额以及所附披露中描述的其他功能的能力 。 该系统可以配置为提供父母通过以固定外汇固定期限固定的自动长期收费来消除与货币汇率波动有关的风险的能力。

公开(公告)号：US07249092B2

公开(公告)日：2007-07-24

申请号：US10628034

申请日：2003-07-24

申请人： Melanie Dunn ,  Chris Hobbs ,  Julie Menichilli ,  Mary Rances

发明人： Melanie Dunn ,  Chris Hobbs ,  Julie Menichilli ,  Mary Rances

IPC分类号： G06Q40/00

CPC分类号： G06Q20/385 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/227 ,  G06Q20/28 ,  G06Q20/35785 ,  G06Q20/381 ,  G06Q20/405 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025

摘要： The present invention provides a system and method for facilitating a subsidiary account with parental control of one or more spending limits. An exemplary system facilitates the provisioning of funds to a subsidiary account and the control of the spending of the subsidiary account by a parent through establishment or modification of one or more spending limits through various communication devices. Exemplary spending limits may be configured for modifying a spending capacity so as to affect an amount per transaction, per day, during a predetermined time period, at a particular merchant, at a particular chain of merchants, at a type of industry, in accordance with a predetermined rate of increase or decrease over time, number of transactions during any time period and/or any combination thereof.

摘要翻译： 本发明提供了一种用于促进具有一个或多个消费限额的父母控制的辅助帐户的系统和方法。 一个示范性的系统有利于通过各种通信设备建立或修改一个或多个支出限制，向子公司帐户提供资金以及由父母控制子帐户的支出。 可以配置示例性支出限额，以便修改支出能力，以便在某一特定商户，特定商业链条下，在某一类型的行业中影响每个交易每天在每个预定时间段内的数量，根据 随时间的预定增长或减少率，任何时间段内的交易数量和/或其任何组合。

公开(公告)号：US20110125645A1

公开(公告)日：2011-05-26

申请号：US13012499

申请日：2011-01-24

申请人： Marc Benkert ,  Chris Hobbs ,  Kazuhiko Okamoto ,  Grace Park ,  Tomer Rubinshtein

发明人： Marc Benkert ,  Chris Hobbs ,  Kazuhiko Okamoto ,  Grace Park ,  Tomer Rubinshtein

IPC分类号： G06Q40/00

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q40/00

摘要： The present invention provides a system and method for providing a flexible limit subsidiary account that may be issued by a Foreign Financial Institution. In particular, the present provides a system and method for allowing a parent to provide funds to a subsidiary and to control the spending of subsidiary or spending capacity. The card account may be issued at the request of the parent who may retain the ability to define, modify, and/or terminate the spending and/or debt accumulation limits for the subsidiary card account as well as other features as described in the attached disclosure. The system may be configured to provide the ability for parent to eliminate risks associated with fluctuations in currency exchange rates by committing to fixed automatic long-term charges at a fixed foreign exchange rate for a fixed term.

摘要翻译： 本发明提供了一种用于提供可由外国金融机构发行的灵活限额附属账户的系统和方法。 特别是，现在提供了一种允许父母向子公司提供资金并控制子公司或支出能力支出的制度和方法。 该卡账户可以应父母的要求发行，母公司可能会保留定义，修改和/或终止辅助卡账户的支出和/或债务累积限额以及所附披露中描述的其他功能的能力 。 该系统可以配置为提供父母通过以固定外汇固定期限固定的自动长期收费来消除与货币汇率波动有关的风险的能力。

公开(公告)号：US20080215426A1

公开(公告)日：2008-09-04

申请号：US11780239

申请日：2007-07-19

申请人： Marc Guldimann ,  Anthony Yam ,  Chris Hobbs ,  Ben Kartzman ,  Blythe Dunham

发明人： Marc Guldimann ,  Anthony Yam ,  Chris Hobbs ,  Ben Kartzman ,  Blythe Dunham

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/0224 ,  G06Q30/0242 ,  G06Q30/0251 ,  G06Q30/0255 ,  G06Q30/0256 ,  G06Q30/0264 ,  G06Q30/0269 ,  G06Q30/0273 ,  G06Q30/0276 ,  G06Q30/0277

摘要： The present invention is directed to a system and methods for targeted advertisement and event promotion. The system comprises a web-based application which enables event promoters to create, execute and manage event promotional campaigns using advertisements, targeted promotional messages, target user search tools, session tracking tools, campaign analytical tools, event pricing tools, reporting tools, embedded calendar applications and other tools and services provided by the system. The system combines these tools to enable promoters to communicate with and market events to highly targeted audiences utilizing a wide array of communication tools. Furthermore, each promotional or advertisement campaign enriches and grows promoter's target user list thus continually enlarging the overall group of trusted and targeted system users.

公开(公告)号：US07401049B2

公开(公告)日：2008-07-15

申请号：US10155332

申请日：2002-05-23

申请人： Chris Hobbs ,  Grace Park ,  Tomer Rubinshtein

发明人： Chris Hobbs ,  Grace Park ,  Tomer Rubinshtein

IPC分类号： G06Q40/00

CPC分类号： G06Q20/381 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/1085 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q40/00

摘要： A system and method for providing a reloadable prepaid card account maintained by a foreign financial institution is provided. The foreign financial institution is provided with a domestic payment network authorization code, such as the bank identification number approved by the American Banking Association. The BIN along with a prepaid account number is loaded onto a prepaid card corresponding to the prepaid account. A prepaid cardholder may present the prepaid card to a merchant system for completion of a transaction request. The merchant system may be accessed domestically and may recognize the BIN as belonging to the foreign financial institution authorized to transact business on the merchant's domestic payment network. The merchant may seek satisfaction of the transaction request by submitting the transaction request to an acquirer which may forward the transaction request to the foreign financial institution for processing. The foreign financial institution may provide funds to the merchant system to satisfy the transaction request, and the provided funds may be converted to the currency of the country in which the merchant system is accessed by the prepaid cardholder.

摘要翻译： 提供了一种用于提供由外国金融机构维护的可重新加载的预付卡账户的系统和方法。 向外国金融机构提供国内支付网络授权码，如美国银行业协会批准的银行身份证号码。 BIN以及预付帐号加载到与预付帐户对应的预付​​卡上。 预付卡持卡人可以向商家系统呈现预付卡以完成交易请求。 商家系统可以在国内进行访问，并且可以将BIN识别为属于在商户国内支付网络上授权交易业务的外国金融机构。 商户可以通过将交易请求提交给可以将交易请求转交给外国金融机构进行处理的交易请求来满足交易请求。 外国金融机构可以向商家系统提供资金以满足交易请求，所提供的资金可以转换为预付持卡人访问商家系统的国家/地区的货币。

公开(公告)号：US07599620B2

公开(公告)日：2009-10-06

申请号：US09893493

申请日：2001-06-29

申请人： Alan F. Graves ,  Ian M. Cunningham ,  Ryan Stark ,  Kent E. Felske ,  Chris Hobbs ,  John H. Watkins

发明人： Alan F. Graves ,  Ian M. Cunningham ,  Ryan Stark ,  Kent E. Felske ,  Chris Hobbs ,  John H. Watkins

IPC分类号： H04B10/00

CPC分类号： H04Q11/0066 ,  H04Q2011/0075 ,  H04Q2011/0084

摘要： A communications network for a metropolitan area is disclosed. The network is comprised of three basic types of nodes: an access multiplexer, a photonic switch, and a core node. The access multiplexer provides multiplexing of data packets from end-users onto at least one sparse wavelength division multiplexed (SWDM) wavelength. The SWDM wavelengths are carried over fiber cable to the photonic switches, which consolidate these wavelengths into dense wavelength division multiplexed (DWDM) wavelengths for transmission to the core node. The core nodes include a photonic switch (PSX) and a service-aware terabit router core for routing packets within the metropolitan area via the network or out to a long haul network. The photonic switches and core nodes are capable of switching at the wavelength, group of wavelength, and fiber levels.

公开(公告)号：US20080215425A1

公开(公告)日：2008-09-04

申请号：US11780221

申请日：2007-07-19

申请人： Marc Guldimann ,  Anthony Yam ,  Chris Hobbs ,  Ben Kartzman ,  Blythe Dunham

发明人： Marc Guldimann ,  Anthony Yam ,  Chris Hobbs ,  Ben Kartzman ,  Blythe Dunham

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/0224 ,  G06Q30/0242 ,  G06Q30/0251 ,  G06Q30/0255 ,  G06Q30/0256 ,  G06Q30/0264 ,  G06Q30/0269 ,  G06Q30/0273 ,  G06Q30/0276 ,  G06Q30/0277

摘要： The present invention is directed to a system and methods for targeted advertisement and event promotion. The system comprises a web-based application which enables event promoters to create, execute and manage event promotional campaigns using advertisements, targeted promotional messages, target user search tools, session tracking tools, campaign analytical tools, event pricing tools, reporting tools, embedded calendar applications and other tools and services provided by the system. The system combines these tools to enable promoters to communicate with and market events to highly targeted audiences utilizing a wide array of communication tools. Furthermore, each promotional or advertisement campaign enriches and grows promoter's target user list thus continually enlarging the overall group of trusted and targeted system users.

摘要翻译： 本发明涉及一种用于目标广告和事件推广的系统和方法。 该系统包括基于网络的应用程序，其使事件推动者能够使用广告，针对性的促销消息，目标用户搜索工具，会话跟踪工具，活动分析工具，事件定价工具，报告工具，嵌入式日历来创建，执行和管理事件促销活动 应用程序等系统提供的工具和服务。 该系统结合了这些工具，使发起人能够利用广泛的通信工具与高度针对性的受众进行沟通和市场活动。 此外，每个促销或广告活动丰富并发展了促销者的目标用户名单，从而不断扩大了信任和有针对性的系统用户群体。

公开(公告)号：US20080215424A1

公开(公告)日：2008-09-04

申请号：US11780205

申请日：2007-07-19

申请人： Marc Guldimann ,  Anthony Yam ,  Chris Hobbs ,  Ben Kartzman ,  Blythe Dunham

发明人： Marc Guldimann ,  Anthony Yam ,  Chris Hobbs ,  Ben Kartzman ,  Blythe Dunham

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/0224 ,  G06Q30/0242 ,  G06Q30/0251 ,  G06Q30/0255 ,  G06Q30/0256 ,  G06Q30/0264 ,  G06Q30/0269 ,  G06Q30/0273 ,  G06Q30/0276 ,  G06Q30/0277

摘要： The present invention is directed to a system and methods for targeted advertisement and event promotion. The system comprises a web-based application which enables event promoters to create, execute and manage event promotional campaigns using advertisements, targeted promotional messages, target user search tools, session tracking tools, campaign analytical tools, event pricing tools, reporting tools, embedded calendar applications and other tools and services provided by the system. The system combines these tools to enable promoters to communicate with and market events to highly targeted audiences utilizing a wide array of communication tools. Furthermore, each promotional or advertisement campaign enriches and grows promoter's target user list thus continually enlarging the overall group of trusted and targeted system users.

摘要翻译： 本发明涉及一种用于目标广告和事件推广的系统和方法。 该系统包括基于网络的应用程序，其使事件推动者能够使用广告，针对性的促销消息，目标用户搜索工具，会话跟踪工具，活动分析工具，事件定价工具，报告工具，嵌入式日历来创建，执行和管理事件促销活动 应用程序等系统提供的工具和服务。 该系统结合了这些工具，使发起人能够利用广泛的通信工具与高度针对性的受众进行沟通和市场活动。 此外，每个促销或广告活动丰富并发展了促销者的目标用户名单，从而不断扩大了信任和有针对性的系统用户群体。

公开(公告)号：US20080215348A1

公开(公告)日：2008-09-04

申请号：US11779721

申请日：2007-07-18

申请人： Marc Guldimann ,  Anthony Yam ,  Chris Hobbs ,  Ben Kartzman ,  Blythe Dunham

发明人： Marc Guldimann ,  Anthony Yam ,  Chris Hobbs ,  Ben Kartzman ,  Blythe Dunham

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/0224 ,  G06Q30/0242 ,  G06Q30/0251 ,  G06Q30/0255 ,  G06Q30/0256 ,  G06Q30/0264 ,  G06Q30/0269 ,  G06Q30/0273 ,  G06Q30/0276 ,  G06Q30/0277

摘要： The present invention is directed to a system and methods for targeted advertisement and event promotion. The system comprises a web-based, application which enables event promoters to create, execute and manage event promotional campaigns using advertisements, targeted promotional messages, target user search tools, session tracking tools, campaign analytical tools, event pricing tools, reporting tools, embedded calendar applications and other tools and services provided by the system. The system combines these tools to enable promoters to communicate with and market, events to highly targeted audiences utilizing a wide array of communication tools. Furthermore, each promotional or advertisement campaign enriches and grows promoter's target user list thus continually enlarging the overall group of trusted and targeted system users.

摘要翻译： 本发明涉及一种用于目标广告和事件推广的系统和方法。 该系统包括基于网络的应用程序，其使得事件发起者能够使用广告，针对性的促销消息，目标用户搜索工具，会话跟踪工具，活动分析工具，事件定价工具，报告工具，嵌入式 日历应用程序和系统提供的其他工具和服务。 该系统结合了这些工具，使发起人能够利用广泛的通信工具与高度针对性的受众进行沟通和交流活动。 此外，每个促销或广告活动丰富并发展了促销者的目标用户名单，从而不断扩大了信任和有针对性的系统用户群体。