公开(公告)号：US09235831B2

公开(公告)日：2016-01-12

申请号：US13554586

申请日：2012-07-20

申请人： Devon A. Rolf

发明人： Devon A. Rolf

IPC分类号： G06Q20/02 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q30/06

CPC分类号： G06Q20/3223 ,  G06Q20/02 ,  G06Q20/023 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/206 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q20/363 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q30/0641 ,  G06Q40/00 ,  G06Q40/025

摘要： A method includes providing a first payment account that is issued by a first financial institution and enables an accountholder thereof to make payments at merchants via a closed-loop payments network corresponding to the first financial institution and mobile person-to-person payments using the payment account. The method includes enabling a second payment account that is issued by a second financial institution to be electronically linked to the first payment account and used as a source of funds. The method includes providing a mobile operating system and enabling a plurality of merchant-specific payment accounts to be associated with a mobile communications device having the operating system. The method includes determining whether a merchant-specific payment account that is accepted only by a particular merchant is available to the accountholder via the mobile communications device and receiving a fee when the first payment account is used for a purchase.

摘要翻译： 一种方法包括提供由第一金融机构发行的第一支付账户，并且使其账户持有者能够通过与第一金融机构对应的闭环支付网络和使用该支付的移动个人对人付款向商户进行支付 帐户。 该方法包括使由第二金融机构发行的第二支付账户能够以电子方式链接到第一支付账户并用作资金来源。 该方法包括提供移动操作系统并且使多个商户特定支付帐户能够与具有操作系统的移动通信设备相关联。 该方法包括确定仅由特定商家接受的特定商户的支付帐户是否可通过移动通信设备向该帐户持有者提供并且当第一支付帐户用于购买时接收费用。

公开(公告)号：US20130189650A1

公开(公告)日：2013-07-25

申请号：US13358378

申请日：2012-01-25

申请人： Wai C. Lee ,  Jonathan C. Burrell ,  Devon A. Rolf ,  Abigail M. Rolf

发明人： Wai C. Lee ,  Jonathan C. Burrell ,  Devon A. Rolf ,  Abigail M. Rolf

IPC分类号： G09B11/00

CPC分类号： G09B11/00

摘要： A method of providing a craft kit involves providing a kit including a frame with a window and a collection of beads presenting a plurality of colors and a pre-selected, fixed number of beads of each color. After providing the craft kit an image is received from a user. A bead template is generated by assigning a bead color to each of a plurality of bead positions on the template document to create a representation of the image using only beads from the collection of beads in the craft kit, and including a bead color indicator in each of said positions on the template document corresponding to the assigned bead color. Once the bead template document is created, it is transferred to the user to enable assembly of a bead array on the frame presenting the representation of the image.

摘要翻译： 提供工艺套件的方法包括提供包括具有窗口的框架和呈现多种颜色的珠的集合以及每种颜色的预先选定的固定数量的珠的套件。 在提供工艺套件后，从用户接收到图像。 通过将模板文档上的多个珠粒位置中的每一个分配珠粒颜色来产生珠粒模板，以使用仅在工艺套件中的珠粒集合中的珠粒形成图像的图示，并且在每个珠粒位置中包括珠粒颜色指示符 对应于所分配的珠子颜色的模板文档上的所述位置。 一旦创建了珠模板文档，就将其传送给用户，以便在呈现图像表示的框架上组装珠阵列。

公开(公告)号：US20100274678A1

公开(公告)日：2010-10-28

申请号：US12428282

申请日：2009-04-22

申请人： Devon A. Rolf ,  Jonathan C. Burrell

发明人： Devon A. Rolf ,  Jonathan C. Burrell

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

CPC分类号： G06Q20/3255 ,  G06Q20/04 ,  G06Q20/16 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/26 ,  G06Q20/32 ,  G06Q20/3278 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/405

摘要： Mobile decoupled payments account systems and computer-implemented methods provide a decoupled mobile payments account and processing for payments made with a decoupled mobile payments account. A demand deposit account of an accountholder is associated with a decoupled mobile payments account that enables a mobile device to be used in making proximity or remote payments. Embodiments include mobile decoupled payments accounts based upon open or closed loop processing networks and mobile decoupled payments accounts that are ACH-direct accounts. An issuer of the mobile decoupled payments account authorizes or declines transactions and, for approved transactions, initiates an ACH transaction to obtain funds corresponding to an approved purchase transaction from the demand deposit account of the accountholder. Embodiments include person-to-person mobile payments and merchant-specific gifts and prioritized selection of accounts associated with a decoupled mobile payments account for processing a purchase transaction made with a mobile device.

摘要翻译： 移动解耦付款帐户系统和计算机实现的方法提供了一个解耦的移动支付帐户，并处理使用解耦移动支付帐户进行的付款。 帐户持有人的定期存款帐户与解耦的移动支付帐户相关联，使移动设备能够用于进行近距离或远程支付。 实施例包括基于开放或闭环处理网络的移动解耦付款账户和作为ACH直接账户的移动解耦支付帐户。 移动解耦支付账户的发行人授权或拒绝交易，对于已批准的交易，启动ACH交易，从客户的定期存款账户获取与批准的购买交易相对应的资金。 实施例包括个人到个人移动支付和商家特定的礼物以及与解耦的移动支付帐户相关联的帐户的优先选择，用于处理由移动设备进行的购买交易。

公开(公告)号：US07788174B1

公开(公告)日：2010-08-31

申请号：US11485700

申请日：2006-07-13

申请人： Devon A. Rolf

发明人： Devon A. Rolf

IPC分类号： G06Q40/00

CPC分类号： G06Q20/32 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/227 ,  G06Q20/3223 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q30/0633 ,  G06Q40/00

摘要： A system and method for electronically processing and settling electronic financial transactions in an environment in which a number of different service providers provide financial services in addition to their core communications, content aggregation, media or Internet search, advertising and/or auction services. More specifically, the present invention concerns an electronic financial gateway and/or middleware processing of financial transactions in an environment in which a plurality of communications, media, or Internet service providers provide also financial services to their customers. The financial transactions are settled to existing accounts associated with the service providers.

摘要翻译： 一种用于电子处理和结算电子金融交易的系统和方法，其中除了其核心通信，内容聚合，媒体或因特网搜索，广告和/或拍卖服务之外，许多不同的服务提供商提供金融服务。 更具体地，本发明涉及在多个通信，媒体或因特网服务提供商还向其客户提供金融服务的环境中的金融交易的电子金融网关和/或中间件处理。 金融交易结算到与服务提供商相关的现有账户。

公开(公告)号：US07720762B1

公开(公告)日：2010-05-18

申请号：US10668409

申请日：2003-09-23

申请人： Devon A. Rolf

发明人： Devon A. Rolf

IPC分类号： G06Q40/00

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/405 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/04

摘要： The invention is a system and method for electronically processing electronic payment transactions. The invention provides a system and method for processing electronic payment transactions based upon a threshold amount. The system and method determine whether a monetary amount associated with a transaction meets a threshold amount and selects an account of the purchaser for settling the transaction based upon that determination. The invention thus allows micropayments, of an amount beneath a threshold, to be settled with one account, whereas non-micropayments may be settled to another account. In other embodiments, the threshold is based upon cumulative amounts, which may include amounts associated with subscriber use of the payment device, when the payment device is a subscriber device such as a wireless communications device. In other embodiments, a choice of which account to use in settling a transaction is based, at least in part, on whether or not a merchant at which a transaction is being made is authorized according to certain criteria.

摘要翻译： 本发明是用于电子处理电子支付交易的系统和方法。 本发明提供一种基于阈值量来处理电子支付交易的系统和方法。 系统和方法确定与交易相关联的货币金额是否满足阈值金额，并且基于该确定选择买方结算交易的账户。 因此，本发明允许以一个账户结算的金额低于阈值的小额支付，而非小额支付可以结算到另一帐户。 在其他实施例中，当支付设备是诸如无线通信设备的订户设备时，阈值基于累积量，其可以包括与付款设备的订户使用相关联的金额。 在其他实施例中，至少部分地基于是否根据某些标准来授权正在进行交易的商家的哪个帐户用于结算交易的选择。

公开(公告)号：US07711609B1

公开(公告)日：2010-05-04

申请号：US11485695

申请日：2006-07-13

申请人： Devon A. Rolf

发明人： Devon A. Rolf

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0603 ,  G06Q30/02 ,  G06Q30/0621

摘要： A system and method for placing products or services within interactive television or radio programming or other programming, and for facilitating viewers' purchases thereof. The present invention allows viewers to mark and store placed products or services for later consideration or purchase; provides a virtual catalog entry showing such options as different colors, styles, or sizes, as may be appropriate given the nature of the product or service; identifies local or regional sources or providers of selected products or services; indicates availability and estimated delivery times for selected products or services; and allows for a greater variety of products and services to be placed.

摘要翻译： 将产品或服务放置在交互式电视或广播节目制作或其他节目制作中的系统和方法，以及便于观众购买。 本发明允许观众标记和存储放置的产品或服务以供稍后考虑或购买; 提供虚拟目录条目，显示根据产品或服务的性质可能适合的不同颜色，样式或尺寸的选项; 识别所选产品或服务的本地或区域来源或提供者; 指示所选产品或服务的可用性和估计交付时间; 并允许放置更多种类的产品和服务。

公开(公告)号：US20090070833A1

公开(公告)日：2009-03-12

申请号：US11437121

申请日：2006-05-18

申请人： Devon A. Rolf

发明人： Devon A. Rolf

IPC分类号： G09G3/36

CPC分类号： H04N21/2543 ,  G06F17/30749 ,  G06Q30/0267 ,  G06Q30/0601 ,  H04H20/57 ,  H04H40/27 ,  H04L65/60 ,  H04L67/32 ,  H04M1/72558 ,  H04N21/2541 ,  H04N21/4126 ,  H04N21/482 ,  H04N21/8113

摘要： A system and method employs an online site for making stored digital video recordings available for selection and download to a wireless communications device. Upon receipt of a selection for a digital video recording, the system and method causes the selected digital video recording to be wirelessly transmitted to the wireless communications device. The selected digital video recording is also made available to a personal computer associated with the user who made the selection. At least a title of the selected digital video recording is stored in a personal storage account of the user.

摘要翻译： 系统和方法采用在线站点进行存储的数字视频记录，以供选择和下载到无线通信设备。 在接收到用于数字视频记录的选择时，系统和方法使所选择的数字视频记录无线地传送到无线通信设备。 所选择的数字视频记录也可用于与进行选择的用户相关联的个人计算机。 所选择的数字视频记录的至少一个标题被存储在用户的个人存储帐户中。

公开(公告)号：US07386392B1

公开(公告)日：2008-06-10

申请号：US10665802

申请日：2003-09-18

申请人： Darrin W. Kabel ,  Steven J. Myers ,  Devon A. Rolf

发明人： Darrin W. Kabel ,  Steven J. Myers ,  Devon A. Rolf

IPC分类号： G01C21/00

CPC分类号： G01C21/20

摘要： Systems, devices, and methods are provided for calculating a course for avoiding user identified criteria. A navigation device with route calculation capabilities includes a processor connected to an input and a memory that includes cartographic data and user identified criteria. A route calculation algorithm can be used to calculate a course between two or more waypoints based on the predefined user criteria of the cartographic data. Performing the route calculation algorithm includes analyzing the cartographic data with a preference for providing the course that identifies and avoids the user identified criteria. A display is connected to the processor and is capable of displaying the calculated route and cartographic data. The device is also adapted to dynamically analyze an area surrounding a present location for user identified criteria to avoid and display the results of the analysis.

摘要翻译： 提供了系统，设备和方法来计算避免用户识别标准的课程。 具有路线计算功能的导航装置包括连接到输入的处理器和包括制图数据和用户标识的标准的存储器。 路线计算算法可以用于根据制图数据的预定义的用户标准来计算两个或多个路点之间的路线。 执行路线计算算法包括分析制图数据，优选地提供标识并避免用户标识的标准的课程。 显示器连接到处理器，并且能够显示计算的路线和制图数据。 该设备还适于动态地分析用于用户识别标准的当前位置周围的区域，以避免和显示分析结果。

公开(公告)号：US20170208187A1

公开(公告)日：2017-07-20

申请号：US15411020

申请日：2017-01-20

申请人： Devon A. Rolf

发明人： Devon A. Rolf

IPC分类号： H04N1/00 ,  G06F3/12

CPC分类号： H04N1/00167 ,  G06F3/1205 ,  G06F3/1208 ,  G06F3/1243 ,  G06F3/1272 ,  G06Q30/0633 ,  H04N1/00145 ,  H04N1/00177 ,  H04N1/00188

摘要： Improvements to a craft kit that enable receiving a photograph and generating a template of the photograph include components for printing the template on adhesive-backed canvas for mounting to a panel or frame, entering a product code to enable generation of the template, generating the template in color and enabling the colored template to be printed or submitted for production of a piece of artwork. Further improvements include enabling the user to select one or more themes for use in generating the template wherein the template is then generated with at least one shape associated with theme, enabling the user to select one or more particular shapes for incorporation into the template, and generating the template with one or more images associated with an organization, such as a logo, a character, or a caricature.

公开(公告)号：US08249982B1

公开(公告)日：2012-08-21

申请号：US13447662

申请日：2012-04-16

申请人： Devon A. Rolf

发明人： Devon A. Rolf

IPC分类号： G06Q40/00

CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/405 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/04

摘要： A method for providing an electronic payment system includes receiving, in conjunction with a purchase by a buyer using a personal computing device in the purchase of content, a mobile telephone number of the buyer. The electronic payment system transmits, to a mobile communications device of the buyer, information to which the buyer must respond to authorize the purchase. The electronic payment system causes, following receipt of a reply to the information sent to the buyer's mobile communications device, a monetary amount corresponding to the price to be paid for the content to be charged to a mobile subscriber account corresponding to the mobile telephone number of the buyer. Methods further include processing a payment for a purchase at a POS terminal at a retail location based upon entry of the mobile telephone number of the buyer into the POS terminal.

摘要翻译： 一种用于提供电子支付系统的方法，包括结合购买者使用个人计算设备购买内容的购买方式，接收买方的移动电话号码。 电子支付系统向买方的移动通信设备发送买方必须响应以授权购买的信息。 电子支付系统在接收到发送给买方的移动通信装置的信息的答复之后，导致对应于要支付给移动用户帐户的内容的费用的金额，该移动用户帐户对应于移动电话号码 买家。 方法还包括基于买方进入POS终端的移动电话号码，在零售地点处理在POS终端处的购买付款。