公开(公告)号：US20150142672A1

公开(公告)日：2015-05-21

申请号：US14401998

申请日：2013-05-20

申请人： Marvin T. LING

发明人： Marvin T. Ling

IPC分类号： G06Q20/40 ,  G06Q20/34

CPC分类号： G06Q20/4014 ,  G06Q20/3276 ,  G06Q20/355 ,  G06Q30/06

摘要： Methods and apparatus for conducting offline commerce transactions that use a barcode as the user ID as an alternative means for personal identification is described. The user ID represented in the bar code format referred to as the User ID Barcode is generated from a number that uniquely identifies the user. Such numbers as a cell phone number or a credit card number or other number that uniquely identifies user may be used to generate the User ID Barcode. The unique personal identifier, the User ID Barcode is expanded to include the Country Code of the country in which the issuing company is domiciled.

摘要翻译： 描述了使用条形码作为用户ID的用于进行个人识别的替代手段的脱机商务交易的方法和装置。 被称为用户ID条形码的条形码格式表示的用户ID是从唯一标识用户的号码生成的。 诸如蜂窝电话号码或信用卡号码或唯一标识用户的其他号码的号码可用于生成用户ID条形码。 唯一的个人标识符，用户ID条形码被扩展为包括发行公司所在国家的国家代码。

公开(公告)号：US07676432B2

公开(公告)日：2010-03-09

申请号：US10616124

申请日：2003-07-08

申请人： Marvin T. Ling

发明人： Marvin T. Ling

IPC分类号： G06Q30/00

CPC分类号： G06Q30/06 ,  G06Q20/10

摘要： Apparatus and methods are provided for facilitating electronic commerce in an environment in which a service provider handles business transactions between registered users and participating vendors and shipping companies, wherein users may establish and manage primary accounts and sub-accounts to purchase goods and services from participating vendors' web sites.

摘要翻译： 提供的装置和方法用于在服务提供商处理注册用户与参与供应商和运输公司之间的业务交易的环境中促进电子商务，其中用户可以建立和管理主账户和子账户以从参与的供应商购买商品和服务 '网站。

公开(公告)号：US20100051690A1

公开(公告)日：2010-03-04

申请号：US12546391

申请日：2009-08-24

申请人： Marvin T. Ling

发明人： Marvin T. Ling

IPC分类号： G06K5/00

CPC分类号： G07F17/16 ,  G06Q20/06 ,  G06Q20/12 ,  G06Q20/28 ,  G06Q20/29 ,  G06Q20/349 ,  G06Q20/363 ,  G06Q30/06 ,  G06Q40/02

摘要： A method for completing a transaction including receiving a credit card payment request at a card reader. The payment request can include a payment amount and a micropayment account identification identifying a pre-pay account or a post-pay account. In the event the payment request is for a pre-pay type of account and the payment amount is greater than a balance associated with the account, then a credit card account associated with the micropayment account is charged with a top off amount plus the difference between the payment amount and the remaining balance. In the event, the payment request is for a post-pay type of account and the payment amount is greater than the balance associate with the account, then a credit account associated with the micropayment account is charged with an amount equal to a credit limit plus the difference between the payment amount and the remaining credit.

摘要翻译： 一种用于完成交易的方法，包括在读卡器处接收信用卡支付请求。 支付请求可以包括识别预付费帐户或后付费帐户的支付金额和小额支付帐户标识。 如果付款请求是用于预付款类型的帐户，并且支付金额大于与该帐户相关联的余额，则与该小额支付账户相关联的信用卡账户被收取最高额外的金额加上 付款金额和剩余余额。 在这种情况下，付款请求是针对后付款类型的帐户，并且支付金额大于与该帐户相关联的余额，则与该小额支付账户相关联的信用账户被收取等于信用额度加上 支付金额与余额之间的差额。

公开(公告)号：US07376621B1

公开(公告)日：2008-05-20

申请号：US09665237

申请日：2000-09-18

申请人： Marvin T. Ling

发明人： Marvin T. Ling

IPC分类号： G06Q40/00

CPC分类号： G06Q30/06 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/28 ,  G06Q40/12 ,  G07F17/16

摘要： Methods and apparatus for conducting electronic commerce using electronic tokens are described. The electronic tokens are issued and maintained by a vendor, who also provides products and services that can be purchased or rented using the electronic tokens. The electronic tokens may be purchased from the vendor either on-line, using a credit card, or off-line, using a check, money order, purchase order, or other payment means. Because the vendor is the issuer of the electronic tokens, there is no need for transactions to be handled by a third party, such as a bank or other organization. This reduces the overhead involved in conducting electronic commerce, and provides the vendor with a greater amount of control. Additionally, the vendor maintains total control over the price of the electronic tokens at any time. For vendors who offer software products for sale or rental, use of electronic tokens makes a variety of rental arrangements practical including rental for short periods of time, for a specific number of uses, or for a specific number of processing.

摘要翻译： 描述使用电子令牌进行电子商务的方法和装置。 电子令牌由供应商发行和维护，供应商还提供可以使用电子令牌购买或租用的产品和服务。 可以使用支票，汇票，采购订单或其他付款方式在线，使用信用卡或离线从供应商处购买电子令牌。 由于供应商是电子令牌的发行人，所以不需要由第三方（如银行或其他组织）处理交易。 这减少了进行电子商务所涉及的开销，并为供应商提供了更大量的控制。 此外，供应商可随时对电子代币的价格进行全面控制。 对于提供出售或租赁软件产品的供应商，使用电子令牌可实现各种租赁安排，包括短期租赁，特定数量的使用或特定数量的处理。

公开(公告)号：US07249060B2

公开(公告)日：2007-07-24

申请号：US10217859

申请日：2002-08-12

申请人： Marvin T. Ling

发明人： Marvin T. Ling

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/0277

摘要： Systems and methods are provided for distributing content such as audio, video, and text files to users over a communications network such as the Internet. Content owners may store content items at content provider computers. A catalog provider computer may be used to host a catalog that lists the various content items available from the content owners. Vendors having vendor websites operating on vendor computers may view the content information in the catalog to determine which content items to offer on the websites. Users may select a desired content item to purchase at a vendor's website. When a user clicks on an appropriate purchase option, a micropayment service provider computer handles the purchase transaction. The purchased content item may then be delivered to the user from an appropriate one of the content provider computers.

摘要翻译： 提供了系统和方法，用于通过诸如因特网的通信网络将内容（例如音频，视频和文本文件）分发给用户。 内容所有者可以在内容提供商计算机上存储内容。 目录提供者计算机可用于托管列出内容所有者可用的各种内容项的目录。 供应商在供应商计算机上运行的供应商网站可以查看目录中的内容信息，以确定在网站上提供哪些内容。 用户可以在供应商的网站上选择要购买的所需内容项目。 当用户点击适当的购买选项时，微支付服务提供商计算机处理购买交易。 然后可以从内容提供商计算机中的适当的一个将所购买的内容项目递送给用户。

公开(公告)号：US07016536B1

公开(公告)日：2006-03-21

申请号：US09717607

申请日：2000-11-21

申请人： Marvin T. Ling ,  Alan J. Filipski ,  Philip B. Foster ,  Michael E. Higgins

发明人： Marvin T. Ling ,  Alan J. Filipski ,  Philip B. Foster ,  Michael E. Higgins

IPC分类号： G06K9/36

CPC分类号： G06T5/002 ,  G06K9/342 ,  G06K2209/01 ,  G06T5/006 ,  G06T2207/10008 ,  G06T2207/30176

摘要： A method and apparatus are provided for removing noise from a first digital representation of data images and noise images of a document, including digitally scanning the document so as to produce the first digital representation of all the images of the document, including the data images and the noise images. After de-skewing the image representation, objects are built from a reduced-resolution representation of the scanned representation. Objects identified as picture objects are included in a mask which is logically ANDed with the de-skewed representation of the scanned document. All objects are added to an object list and initially marked as noise. Objects identified as text objects or geometric objects are marked as data objects. Objects identified as picture objects are included in a mask which is logically ANDed with the de-skewed representation to eliminate all other objects. Objects marked as data objects are added to that representation to provide the de-skewed, de-speckled representation of the scanned document.

摘要翻译： 提供了一种用于从数据图像和文档的噪声图像的第一数字表示中去除噪声的方法和装置，包括数字扫描文档，以便产生文档的所有图像的第一数字表示，包括数据图像和 噪音图像。 在去偏转图像表示之后，对象由扫描表示的缩小分辨率表示构成。 被识别为图像对象的对象被包括在与被扫描文档的去偏斜表示逻辑地进行AND的掩码中。 所有对象都添加到对象列表中，最初被标记为噪点。 标识为文本对象或几何对象的对象被标记为数据对象。 被识别为图像对象的对象被包括在与去偏斜表示逻辑地进行AND的掩码中以消除所有其它对象。 标记为数据对象的对象被添加到该表示中以提供扫描文档的去偏斜，去斑点的表示。

公开(公告)号：US09280689B2

公开(公告)日：2016-03-08

申请号：US13816955

申请日：2011-08-16

申请人： Marvin T. Ling

发明人： Marvin T. Ling

IPC分类号： G06K5/00 ,  G06K15/00 ,  G06Q20/32 ,  G06K19/06 ,  G06K19/14

CPC分类号： G06K5/00 ,  G06K19/06028 ,  G06K19/14 ,  G06Q20/3274

摘要： Methods and apparatus for conducting offline commerce transactions that use a barcode as an alternative means for personal identification. The user represented in the bar code format, User ID Barcode, is generated from a number that uniquely identifies the user. Numbers such as a cell phone number or a credit card number may be used to generate the User ID Barcode. These numbers are prefixed with a special character before they are converted to the barcode format. Prefixing a special character is necessary so that the bar code generated can be distinguished from any bar code representing products being sold. If a credit card number is used, the User ID Barcode is printed on the back of the credit card which then becomes a 2 and 1 credit card.

摘要翻译： 用于进行离线商务交易的方法和装置，其使用条形码作为个人识别的替代手段。 以条形码格式（User ID Barcode）表示的用户是从唯一标识用户的数字生成的。 可以使用诸如手机号码或信用卡号码的数字来生成用户ID条形码。 这些数字在转换为条形码格式之前以特殊字符为前缀。 需要预定义特殊字符，以便可以将生成的条形码与代表所销售产品的任何条形码进行区分。 如果使用信用卡号码，则会在信用卡背面打印用户ID条码，然后成为2张和1张信用卡。

公开(公告)号：US07328189B2

公开(公告)日：2008-02-05

申请号：US09753784

申请日：2001-01-02

申请人： Marvin T Ling

发明人： Marvin T Ling

IPC分类号： G06Q40/00

CPC分类号： G06Q20/06 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/29 ,  G06Q20/367 ,  G06Q30/0222 ,  G06Q30/0226 ,  G06Q30/0239 ,  G06Q30/06 ,  G06Q30/0601 ,  G07F17/16

摘要： Methods and apparatus for conducting electronic commerce using electronic tokens are described. The electronic tokens are issued and maintained by a vendor, who also provides products and services that can be purchased or rented using the electronic tokens. The electronic tokens may be purchased from the vendor either on-line, using a credit card, or off-line, using a check, money order, purchase order, or other payment means. Because the vendor is the issuer of the electronic tokens, there is no need for transactions to be handled by a third party, such as a bank or other organization. This reduces the overhead involved in conducting electronic commerce, and provides the vendor with a greater amount of control. Additionally, the vendor maintains total control over the price of the electronic tokens at any time. For vendors who offer software products for sale or rental, use of electronic tokens makes a variety of rental arrangements practical. Additionally, a user registers and purchases electronic tokens at the vendor. The user may purchase products at any other vendors who conduct electronic commerce using electronic tokens.

摘要翻译： 描述使用电子令牌进行电子商务的方法和装置。 电子令牌由供应商发行和维护，供应商还提供可以使用电子令牌购买或租用的产品和服务。 可以使用支票，汇票，采购订单或其他付款方式在线，使用信用卡或离线从供应商处购买电子令牌。 由于供应商是电子令牌的发行人，所以不需要由第三方（如银行或其他组织）处理交易。 这减少了进行电子商务所涉及的开销，并为供应商提供了更大量的控制。 此外，供应商可以随时对电子代币的价格进行全面控制。 对于提供软件产品出售或出租的供应商，使用电子令牌可使各种租赁安排切实可行。 此外，用户在供应商处注册和购买电子令牌。 用户可以在使用电子令牌进行电子商务的任何其他供应商处购买产品。

公开(公告)号：US07249099B2

公开(公告)日：2007-07-24

申请号：US11097889

申请日：2005-03-30

申请人： Marvin T. Ling

发明人： Marvin T. Ling

IPC分类号： G06Q40/00

CPC分类号： G06Q20/06 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/28 ,  G06Q20/29 ,  G06Q20/367 ,  G06Q30/0222 ,  G06Q30/0226 ,  G06Q30/0239 ,  G06Q30/06 ,  G06Q30/0601 ,  G07F17/16

摘要： Methods and apparatus for conducting electronic commerce using electronic tokens are described. The electronic tokens are issued and maintained by a vendor, who also provides products and services that can be purchased or rented using the electronic tokens. The electronic tokens may be purchased from the vendor either on-line, using a credit card, or off-line, using a check, money order, purchase order, or other payment means. Because the vendor is the issuer of the electronic tokens, there is no need for transactions to be handled by a third party, such as a bank or other organization. This reduces the overhead involved in conducting electronic commerce, and provides the vendor with a greater amount of control. Additionally, the vendor maintains total control over the price of the electronic tokens at any time. For vendors who offer software products for sale or rental, use of electronic tokens makes a variety of rental arrangements practical. Additionally, a user registers and purchases electronic tokens at the vendor. The user may purchase products at any other vendors who conduct electronic commerce using electronic tokens.

摘要翻译： 描述使用电子令牌进行电子商务的方法和装置。 电子令牌由供应商发行和维护，供应商还提供可以使用电子令牌购买或租用的产品和服务。 可以使用支票，汇票，采购订单或其他付款方式在线，使用信用卡或离线从供应商处购买电子令牌。 由于供应商是电子令牌的发行人，所以不需要由第三方（如银行或其他组织）处理交易。 这减少了进行电子商务所涉及的开销，并为供应商提供了更大量的控制。 此外，供应商可随时对电子代币的价格进行全面控制。 对于提供软件产品出售或出租的供应商，使用电子令牌可使各种租赁安排切实可行。 此外，用户在供应商处注册和购买电子令牌。 用户可以在使用电子令牌进行电子商务的任何其他供应商处购买产品。

公开(公告)号：US20160098706A1

公开(公告)日：2016-04-07

申请号：US14892021

申请日：2014-05-15

申请人： Marvin T. LING

发明人： Marvin T. Ling

IPC分类号： G06Q20/36 ,  G06Q20/42 ,  G06Q20/32

CPC分类号： G06Q20/36 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/42

摘要： A process of transferring funds between two entities or persons is described; the process includes transferring funds from person A to-person B and reversing the process allowing refunds. The processes are performed through a Universal Vendor Management Server (UVM) where both entities A and B are registered and have opened UVM accounts. The funds transfer and refund processes permit the transfer of funds between the respective accounts and the charging of service fees to the entity initiating the transfer or refund process. No third party other than the UVM operator is involved in the transactions such as banks, credit card companies, and the like. The funds transfer may be achieved utilizing a cell phone to make a purchase at a participating vendor. A person enters an amount of payment in the cell phone; the amount is subtracted from the purchasers account and added to the account of the vendor.

摘要翻译： 描述了在两个实体或个人之间转移资金的过程; 该过程包括将资金从人员A转移给个人B并且转移允许退款的过程。 这些过程通过一个通用供应商管理服务器（UVM）执行，其中实体A和B都被注册，并已打开UVM帐户。 资金转帐和退款流程允许在各自账户之间转移资金，并向开始转账或退款过程的实体收取服务费用。 没有UVM运营商以外的第三方涉及银行，信用卡公司等交易。 可以利用手机在参与的供应商进行购买来实现资金转移。 一个人在手机中输入一笔款项; 从购买者帐户中扣除金额，并将其添加到供应商的帐户中。