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公开(公告)号：US07628319B2
公开(公告)日：2009-12-08
申请号：US11772891
申请日：2007-07-03
IPC分类号： G06F17/00
摘要： A method includes the steps of facilitating obtaining indicia identifying individual items to be purchased at a point of interaction, in conjunction with an inbound authorization request; facilitating translation of the indicia into a form understandable by a third party transaction approver, to obtain translated indicia; and facilitating transfer of the translated indicia to the third patty transaction approver for item-by-item validation on the individual items. The transfer of the translated indicia is in conjunction with an outbound authorization request. A system implementing the method can make use of an inventive transfer engine.
摘要翻译： 一种方法包括以下步骤：结合入站授权请求，便于获得识别在交互点处要购买的个体物品的标记; 便于将标记翻译成第三方交易批准人可以理解的形式，以获得翻译标记; 并便利将转换后的标记转交给第三方交易批准人，逐项确认个别项目。 翻译标记的转移与出站授权请求相结合。 实现该方法的系统可以利用本发明的传送引擎。
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公开(公告)号：US5842827A
公开(公告)日：1998-12-01
申请号：US730679
申请日：1996-10-11
申请人： Richard E. Kwasniewski , Jose Salinas, Jr. , Philip Medina , Edward McLaughlin , Randall Wienke , Vernon Bundy , Klaus Kurz , Lawrence Foster , Gary Fain
发明人： Richard E. Kwasniewski , Jose Salinas, Jr. , Philip Medina , Edward McLaughlin , Randall Wienke , Vernon Bundy , Klaus Kurz , Lawrence Foster , Gary Fain
CPC分类号： B65G57/245 , B65G57/035 , B65G57/06 , Y10S414/12
摘要： A method and apparatus for stacking newspapers is disclosed which obviates the need to fasten individual stacks. Once ejected from a stacking device, stacks of newspapers pass through an assembly station where they are arranged into groups of three, called slugs, and compressed. The slug then enters a collector where a layer consisting of four slugs is positioned on a sliding table. This positioning requires lateral movement of slugs. Lateral support is provided throughout this movement to prevent the stacks from toppling over. Once a full layer has been accumulated, the sliding table is retracted, and the layer of newspapers falls onto a floating table below. This floating table, which serves as the bottom floor of the container in which it is housed, is automatically lowered by discrete amounts as layers are received. Extendible cylinders located below the collector vertically move the floating table. Since the four walls of the container provide the requisite lateral support, layers of unfastened stacks are able to be securely deposited on the floating table. Once the full container is removed from the collector, a fork lift raises the floating table by inserting its prongs into a gap created between the floating table and the open bottom of the container. In another aspect of the invention, bottom copy damage associated with lateral movement of newspapers is reduced by positioning the stacks so that the nose of the bottom group of newspapers in each stack points in the ultimate direction of lateral movement.
摘要翻译： 公开了一种用于堆叠报纸的方法和装置，其消除了紧固单个堆叠的需要。 一旦从堆叠装置中排出，堆叠的报纸通过装配站，在那里它们被排成三组，被称为s lug，并被压缩。 然后，塞子进入收集器，其中由四个小块组成的层位于滑动台上。 这种定位需要s子的横向移动。 在整个运动中提供横向支撑，以防止堆叠倒塌。 一旦积累了一层，滑动台就会缩回，报纸层落在下面的浮动桌子上。 作为其容纳的容器的底部底部的这个浮动台在层被接收时自动降低离散的量。 位于收集器下方的可扩展气缸垂直移动浮动台。 由于容器的四个壁提供必要的横向支撑，因此能够将浮动的堆叠层牢固地沉积在浮动台上。 一旦完整的容器从收集器中取出，叉式升降机将其插脚插入浮动工作台和容器开口底部之间的间隙中，从而提升浮动工作台。 在本发明的另一方面，通过定位叠层来减少与报纸横向移动相关的底部复印损坏，使得每个叠层中的底部报纸组的鼻子指向横向移动的最终方向。
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公开(公告)号：US5769600A
公开(公告)日：1998-06-23
申请号：US650918
申请日：1996-05-17
申请人： Richard E. Kwasniewski , Jose Salinas, Jr. , Philip Medina , Edward McLaughlin , Randall Wienke , Vernon Bundy , Klaus Kurz , Lawrence Fosler , Gary Fain
发明人： Richard E. Kwasniewski , Jose Salinas, Jr. , Philip Medina , Edward McLaughlin , Randall Wienke , Vernon Bundy , Klaus Kurz , Lawrence Fosler , Gary Fain
CPC分类号： B65G57/245 , B65G57/035 , B65G57/06 , Y10S414/12
摘要： A method and apparatus for stacking newspapers is disclosed which obviates the need to fasten individual stacks. Once ejected from a stacking device, stacks of newspapers pass through an assembly station where they are arranged into groups of three, called slugs, and compressed. The slug then enters a collector where a layer consisting of four slugs is positioned on a sliding table. This positioning requires lateral movement of slugs. Lateral support is provided throughout this movement to prevent the stacks from toppling over. Once a full layer has been accumulated, the sliding table is retracted, and the layer of newspapers falls onto a floating table below. This floating table, which serves as the bottom floor of the container in which it is housed, is automatically lowered by discrete amounts as layers are received. Extendible cylinders located below the collector vertically move the floating table. Since the four walls of the container provide the requisite lateral support, layers of unfastened stacks are able to be securely deposited on the floating table. Once the full container is removed from the collector, a fork lift raises the floating table by inserting its prongs into a gap created between the floating table and the open bottom of the container. In another aspect of the invention, bottom copy damage associated with lateral movement of newspapers is reduced by positioning the stacks so that the nose of the bottom group of newspapers in each stack points in the ultimate direction of lateral movement.
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公开(公告)号：US10970777B2
公开(公告)日：2021-04-06
申请号：US12558869
申请日：2009-09-14
申请人： Theresa Altman , Gidget Hall , Edward McLaughlin
发明人： Theresa Altman , Gidget Hall , Edward McLaughlin
摘要： A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account. The offering is carried out via a mechanism of the bill payment provider. The mechanism is of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer. A request to pay the bill using the payment card account is received via the mechanism. Payment of the bill using the payment card account is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system. The message is flagged with a flag indicating that the message comprises a non-financial, card payment, message. The message includes an identification of the biller, a card number of the payment card account, and an expiration date of the payment card account. The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date. An alternative technique using an operator of a payment network is also disclosed, as are corresponding systems.
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公开(公告)号：US20100100480A1
公开(公告)日：2010-04-22
申请号：US12558869
申请日：2009-09-14
申请人： Theresa Altman , Gidget Hall , Edward McLaughlin
发明人： Theresa Altman , Gidget Hall , Edward McLaughlin
CPC分类号： G06Q40/02 , G06Q10/10 , G06Q20/102 , G06Q30/04
摘要： A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account. The offering is carried out via a mechanism of the bill payment provider. The mechanism is of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer. A request to pay the bill using the payment card account is received via the mechanism. Payment of the bill using the payment card account is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system. The message is flagged with a flag indicating that the message comprises a non-financial, card payment, message. The message includes an identification of the biller, a card number of the payment card account, and an expiration date of the payment card account. The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date. An alternative technique using an operator of a payment network is also disclosed, as are corresponding systems.
摘要翻译： 账单支付提供者向客户提供使用支付卡账户从账单支付账单的选项。 该项目是通过账单支付提供者的机制进行的。 该机制是一种通常通过电子资金从客户的定期存款账户转账的方式进行支付的方式。 通过机制收到使用支付卡账户支付帐单的请求。 通过从账单支付提供者格式化和发送消息到电子账单支付系统，便于使用支付卡账户支付帐单。 该消息被标记为具有指示该消息包括非金融卡支付消息的标志。 该消息包括帐单的标识，支付卡账户的卡号以及支付卡账户的到期日。 该消息是一个电子资金转账消息，其中包括标志，卡号和到期日。 还公开了使用支付网络的运营商的替代技术，以及相应的系统。
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公开(公告)号：US06775068B2
公开(公告)日：2004-08-10
申请号：US10289475
申请日：2002-11-06
IPC分类号： G02B2710
CPC分类号： G02B6/3582 , G02B6/266 , G02B6/2937 , G02B6/29395 , G02B6/32 , G02B6/3514 , G02B6/3546
摘要： An apparatus and method that provides for improved optical communication between at least one source and at least one destination, with reduced loss of power and superior retention of the quality of a signal when compared with the prior art. The apparatus has a body having at least one integrated optical channel along which a light signal is transmitted via an N-fold plurality of lenses. A light signal transmitted along the integrated optical channel is repeatedly refocused along the optical axis and is then highly focused at the second end. Optionally, the light signal can be switched, attenuated, filtered, tapped or monitored by positioning appropriate optical devices between the lenses.
摘要翻译： 一种提供至少一个源和至少一个目的地之间的改进的光通信的设备和方法，与现有技术相比，具有减少的功率损失和优良的信号质量保持。 该装置具有至少一个集成光通道的主体，沿着该主体通过N倍多个透镜传输光信号。 沿着集成光通道传输的光信号沿光轴重复聚焦，然后在第二端高度聚焦。 可选地，可以通过在透镜之间定位适当的光学装置来切换，衰减，滤波，抽头或监视光信号。
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公开(公告)号：US5826744A
公开(公告)日：1998-10-27
申请号：US730680
申请日：1996-10-11
申请人： Richard E. Kwasniewski , Jose Salinas, Jr. , Philip Medina , Edward McLaughlin , Randall Wienke , Vernon Bundy , Klaus Kurz , Lawrence Foster , Gary Fain
发明人： Richard E. Kwasniewski , Jose Salinas, Jr. , Philip Medina , Edward McLaughlin , Randall Wienke , Vernon Bundy , Klaus Kurz , Lawrence Foster , Gary Fain
CPC分类号： B65G57/245 , B65G57/035 , B65G57/06 , Y10S414/12
摘要： A method and apparatus for stacking newspapers is disclosed which obviates the need to fasten individual stacks. Once ejected from a stacking device, stacks of newspapers pass through an assembly station where they are arranged into groups of three, called slugs, and compressed. The slug then enters a collector where a layer consisting of four slugs is positioned on a sliding table. This positioning requires lateral movement of slugs. Lateral support is provided throughout this movement to prevent the stacks from toppling over. Once a full layer has been accumulated, the sliding table is retracted, and the layer of newspapers falls onto a floating table below. This floating table, which serves as the bottom floor of the container in which it is housed, is automatically lowered by discrete amounts as layers are received. Extendible cylinders located below the collector vertically move the floating table. Since the four walls of the container provide the requisite lateral support, layers of unfastened stacks are able to be securely deposited on the floating table. Once the full container is removed from the collector, a fork lift raises the floating table by inserting its prongs into a gap created between the floating table and the open bottom of the container. In another aspect of the invention, bottom copy damage associated with lateral movement of newspapers is reduced by positioning the stacks so that the nose of the bottom group of newspapers in each stack points in the ultimate direction of lateral movement.
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公开(公告)号：US20080011820A1
公开(公告)日：2008-01-17
申请号：US11772891
申请日：2007-07-03
摘要： A method includes the steps of facilitating obtaining indicia identifying individual items to be purchased at a point of interaction, in conjunction with an inbound authorization request; facilitating translation of the indicia into a form understandable by a third party transaction approver, to obtain translated indicia; and facilitating transfer of the translated indicia to the third patty transaction approver for item-by-item validation on the individual items The transfer of the translated indicia is in conjunction with an outbound authorization request. A system implementing the method can make use of an inventive transfer engine.
摘要翻译： 一种方法包括以下步骤：结合入站授权请求，便于获得识别在交互点处要购买的个体物品的标记; 便于将标记翻译成第三方交易批准人可以理解的形式，以获得翻译标记; 并便利将转换后的标记转交给第三方交易批准人，逐项验证个别项目。转让标记的转移与出站授权请求相结合。 实现该方法的系统可以利用本发明的传送引擎。
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公开(公告)号：US20140040111A1
公开(公告)日：2014-02-06
申请号：US13563591
申请日：2012-07-31
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02
摘要： Various embodiments provide for systems and methods for analyzing loan acquisitions by: receiving a loan closing dataset relating to a loan (e.g., through an industry HUD-1 data portal); generating a set of interim analysis results from the loan closing dataset by extracting information from the loan closing dataset (e.g., the HUD-1 form associated with the loan); generating a set of analysis results by evaluating the set of interim analysis results according to a set of analysis rules (e.g., lender or investor rules); and generating a set of scores for the loan based on the set of analysis results. According to some embodiments, the set of analysis rules are configured to evaluate a transfer of interest in the loan (e.g., from a lender originating the loan to a party investing in the loan) for a set of investment risks, and the set of scores represent the set of investment risks.
摘要翻译： 各种实施例提供了通过以下方式分析贷款收购的系统和方法：接收与贷款相关的贷款结算数据集（例如，通过行业HUD-1数据门户）; 通过从贷款结算数据集（例如，与贷款相关联的HUD-1表单）提取信息，从贷款结算数据集中产生一组中期分析结果; 通过根据一组分析规则（例如，贷方或投资者规则）评估中间分析结果集来产生一组分析结果; 并根据一组分析结果生成贷款的一组分数。 根据一些实施例，一组分析规则被配置为评估一组投资风险的贷款利息转移（例如，从发起贷款的贷款人到投资贷款的一方）以及一组分数 代表一套投资风险。
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10.发明申请Method and System for Linkage of Generally Available Healthcare Accounts to Credit Card 审中-公开将通用医疗保健账户与信用卡联系起来的方法和系统公开(公告)号：US20100088207A1
公开(公告)日：2010-04-08
申请号：US12566774
申请日：2009-09-25
申请人： Edward McLaughlin , Mark Wiesman , Matthew Lanford
发明人： Edward McLaughlin , Mark Wiesman , Matthew Lanford
摘要： A general-purpose payment card product is linked to a designated reimbursement account. A payment card authorization request is obtained, with a full amount and a reimbursement eligible amount included therein, based on a transaction with the payment card product at a merchant. In one aspect, a payment card authorization response is returned to the merchant from an issuer of the payment card product, based on the full amount. A funding request is initiated, for the reimbursement eligible amount, from the designated reimbursement account. The payment card product and the designated reimbursement account are managed separately. In an alternative, the authorization request is intercepted by an operator of a payment network. The operator initiates a first operator authorization request for the reimbursement eligible amount, and a second operator authorization request for the full amount less the portion of the reimbursement eligible amount, and returns a coordinated response to the merchant.
摘要翻译： 通用支付卡产品与指定的报销账户相连。 基于与商家的支付卡产品的交易，获得支付卡授权请求，其中包括其中的全额金额和报销合格金额。 在一个方面，基于全部金额，支付卡授权响应从支付卡产品的发行者返回给商家。 从指定的报销帐户开始提供资金申请，以偿还合格金额。 付款卡产品和指定的报销账户分别进行管理。 或者，授权请求由支付网络的运营商拦截。 运营商发起第一个运营商授权请求以获得报销合格金额，第二个运营商授权请求全额减去偿还合格金额的一部分，并向商家返回协调响应。
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