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    Real time bank-centric universal payment system
    1.
    发明授权
    Real time bank-centric universal payment system 失效
    实时以银行为中心的通用支付系统

    公开(公告)号：US06594647B1

    公开(公告)日：2003-07-15

    申请号：US09463518

    申请日：2000-09-19

    Applicant: William Randle ,  Richard Ercole ,  Terry L. Geer ,  David L. James ,  Jodie M. Fredelake ,  Dennis Roman ,  Fabio Fontana ,  Rick Bartlett ,  Ruth Rosenberg ,  Robert W. Murphy ,  Tuong T. Tran ,  Paul Lampru

    Inventor： William Randle ,  Richard Ercole ,  Terry L. Geer ,  David L. James ,  Jodie M. Fredelake ,  Dennis Roman ,  Fabio Fontana ,  Rick Bartlett ,  Ruth Rosenberg ,  Robert W. Murphy ,  Tuong T. Tran ,  Paul Lampru

    IPC: G06F1700

    CPC classification number: G06Q20/04 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q50/188

    Abstract: An infrastructure for a real time bank-centric universal payment system (2) in which a central processing system (CPU) defines an electronic commerce trust system (1) formed from a plurality of financial service provider members (4) subscribing to a common standard having applicability throught the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members (4) that in turn are operatively interconnected through access mechanisms to a network of customers (3) and goods and services providers (5) who are account subscribers with the financial service provider member (4) and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects net settlement between and among members through a central exchange monetary system. Features of the infrastructure include ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.

    Abstract translation: 一种用于实时银行为中心的通用支付系统（2）的基础设施，其中中央处理系统（CPU）定义由多个金融服务提供商成员​​（4）形成的电子商务信任系统（1），订阅共同标准 具有基础设施的适用性。 中央处理单元可操作地互连到金融服务提供商成员​​（4）的相应处理单元，金融服务提供商成员​​（4）又通过访问机制可操作地互连到客户网络（3）和商品和服务提供商（5） 金融服务提供者（4）并遵守系统的共同标准。 CPU通过中央交换货币系统提供不可撤销的实时借记和信用交易，并影响成员之间和之间的净结算。 基础设施的特点包括ECTS热文件，账单显示和付款选项以及提供商设计的服务，以提升品牌标识。

    Method and system for facilitating network transaction processing
    2.
    发明授权
    Method and system for facilitating network transaction processing 有权
    促进网络事务处理的方法和系统

    公开(公告)号：US08121944B2

    公开(公告)日：2012-02-21

    申请号：US11137407

    申请日：2005-05-26

    Applicant: Richard Norman ,  Tommy J. Vicknair ,  Carl Shishmanian ,  John Spence Stephens, Jr. ,  W. Earl Jennings ,  David L. James

    Inventor： Richard Norman ,  Tommy J. Vicknair ,  Carl Shishmanian ,  John Spence Stephens, Jr. ,  W. Earl Jennings ,  David L. James

    IPC: G06Q40/00

    CPC classification number: G06Q40/00 ,  G06Q20/10 ,  G06Q20/102

    Abstract: An exemplary method and system may include receiving one or more payment items from a plurality of payment entities, at a centralized agent, wherein the one or more payment items comprise one or more electronic images and paper instruments; aggregating the payment items into one or more categories; identifying a payee financial institution and a payor financial institution for each payment items, wherein the payee financial institution and the payor financial institution are different; determining whether the payee financial institution and the payor financial institution are within the network of financial institutions; for the payee and payor within the network, determining at the centralized agent a settlement path within the network of financial institutions for each payment item; and for the payee and payor that are not within the network, forwarding the payment items to a third party settlement entity by the centralized agent for settlement processing.

    Abstract translation: 示例性方法和系统可以包括在集中式代理处从多个支付实体接收一个或多个支付项目，其中所述一个或多个支付项目包括一个或多个电子图像和纸张工具; 将付款项目聚合成一个或多个类别; 确定每个付款项目的收款人金融机构和付款人金融机构，其中收款人金融机构和付款人金融机构不同; 确定收款人金融机构和付款人金融机构是否在金融机构网络内; 对于网络中的收款人和付款人，在集权代理处确定每个付款项目的金融机构网络内的结算路径; 对于不在网络内的收款人和付款人，由中央代理人将付款项转发给第三方结算单位进行结算处理。

    METHOD AND SYSTEM FOR FACILITATING NETWORK TRANSACTION PROCESSING
    3.
    发明申请
    METHOD AND SYSTEM FOR FACILITATING NETWORK TRANSACTION PROCESSING 有权
    促进网络交易处理的方法和系统

    公开(公告)号：US20120136782A1

    公开(公告)日：2012-05-31

    申请号：US13354402

    申请日：2012-01-20

    Applicant: Richard NORMAN ,  Tommy J. Vicknair ,  Carl Shishmanian ,  John Spence Stephens, JR. ,  W. Earl Jennings ,  David L. James

    Inventor： Richard NORMAN ,  Tommy J. Vicknair ,  Carl Shishmanian ,  John Spence Stephens, JR. ,  W. Earl Jennings ,  David L. James

    IPC: G06Q40/02

    CPC classification number: G06Q40/00 ,  G06Q20/10 ,  G06Q20/102

    Abstract: According to one embodiment, the present invention relates to a method and a system for facilitating settlement processing within a network of financial institutions may include receiving one or more payment items from a plurality of payment entities, at a centralized agent; aggregating the payment items into one or more categories; identifying a payee financial institution and a payor financial institution for each payment items, wherein the payee financial institution and the payor financial institution are different; determining whether the payee financial institution and the payor financial institution are within the network of financial institutions; for the payee and payor within the network, determining at the centralized agent a settlement path within the network of financial institutions for each payment item; and for the payee and payor that are not within the network, forwarding the payment items to a third party settlement entity.

    Abstract translation: 根据一个实施例，本发明涉及一种用于促进金融机构网络内的结算处理的方法和系统，可以包括：在集中代理处从多个支付实体接收一个或多个支付项目; 将付款项目聚合成一个或多个类别; 确定每个付款项目的收款人金融机构和付款人金融机构，其中收款人金融机构和付款人金融机构不同; 确定收款人金融机构和付款人金融机构是否在金融机构网络内; 对于网络中的收款人和付款人，在集权代理处确定每个付款项目的金融机构网络内的结算路径; 对于不在网络内的收款人和付款人，将付款项转发给第三方结算单位。

    Method and system for facilitating network transaction processing
    4.
    发明授权
    Method and system for facilitating network transaction processing 有权
    促进网络事务处理的方法和系统

    公开(公告)号：US08396798B2

    公开(公告)日：2013-03-12

    申请号：US13354402

    申请日：2012-01-20

    Applicant: Richard Norman ,  Tommy J. Vicknair ,  Carl Shishmanian ,  John Spence Stephens, Jr. ,  W. Earl Jennings ,  David L. James

    Inventor： Richard Norman ,  Tommy J. Vicknair ,  Carl Shishmanian ,  John Spence Stephens, Jr. ,  W. Earl Jennings ,  David L. James

    IPC: G06Q40/00

    CPC classification number: G06Q40/00 ,  G06Q20/10 ,  G06Q20/102

    Abstract: According to one embodiment, the present invention relates to a method and a system for facilitating settlement processing within a network of financial institutions may include receiving one or more payment items from a plurality of payment entities, at a centralized agent; aggregating the payment items into one or more categories; identifying a payee financial institution and a payor financial institution for each payment items, wherein the payee financial institution and the payor financial institution are different; determining whether the payee financial institution and the payor financial institution are within the network of financial institutions; for the payee and payor within the network, determining at the centralized agent a settlement path within the network of financial institutions for each payment item; and for the payee and payor that are not within the network, forwarding the payment items to a third party settlement entity.

    Abstract translation: 根据一个实施例，本发明涉及一种用于促进金融机构网络内的结算处理的方法和系统，可以包括：在集中代理处从多个支付实体接收一个或多个支付项目; 将付款项目聚合成一个或多个类别; 确定每个付款项目的收款人金融机构和付款人金融机构，其中收款人金融机构和付款人金融机构不同; 确定收款人金融机构和付款人金融机构是否在金融机构网络内; 对于网络中的收款人和付款人，在集权代理处确定每个付款项目的金融机构网络内的结算路径; 对于不在网络内的收款人和付款人，将付款项转发给第三方结算单位。

    Electronic payment interchange concentrator
    5.
    发明授权
    Electronic payment interchange concentrator 失效
    电子支付交换集中器

    公开(公告)号：US5717868A

    公开(公告)日：1998-02-10

    申请号：US399763

    申请日：1995-03-07

    Applicant: David L. James

    Inventor： David L. James

    IPC: G06Q20/10 ,  G06Q40/00 ,  G06F17/60

    CPC classification number: G06Q40/04 ,  G06Q20/10 ,  G06Q40/00

    Abstract: An apparatus, system and process for effecting one or more of the reception, transmission, translation and storage of data files containing information relating to financial instruments among and between multiple institutions wherein a data file in a first file format is received from an originating institution, the file is translated into a second data file format selected by an institution that is to receive the information, the information is stored in memory which is uniquely accessible to the receiving institution and transmitted to the receiving institution. Information derived from the financial instrument information contained in the second data file format may be transmitted to a settlement mechanism. The transmission to the receiving institution and to a settlement mechanism may occur on demand, based on instructions by the originating institution and within a prearranged time period.

    Abstract translation: 一种在多个机构之间和之间进行包含与金融工具有关的信息的数据文件的接收，传输，翻译和存储中的一个或多个的装置，系统和过程，其中从原始机构接收第一文件格式的数据文件， 该文件被转换为由接收信息的机构选择的第二数据文件格式，该信息被存储在存储器中，该存储器可被接收机构唯一地访问并被发送到接收机构。 从包含在第二数据文件格式的金融工具信息得到的信息可以被发送到结算机制。 根据原始机构的指示并在预先安排的时间段内，可以根据需要向接收机构和结算机制发送。

    Sound deflector for headset ear phones
    6.
    发明授权
    Sound deflector for headset ear phones 失效
    耳机耳机的导声板

    公开(公告)号：US4457396A

    公开(公告)日：1984-07-03

    申请号：US423015

    申请日：1982-09-24

    Applicant: David L. James

    Inventor： David L. James

    IPC: H04R1/10 ,  H04R25/00

    CPC classification number: H04R1/345 ,  H04R1/1058 ,  H04R1/1008

    Abstract: A sound deflector for attachment to a user's headset earphones is disclosed comprising means situated intermediate the headset earphone and a user's ear canal, said means comprising a hollow cylinder adapted to be operably connected to the headset earphone speaker case and thereby confine the sound from the speaker interiorly to the cylinder, and a cone spatially located proximate the opening of the hollow cylinder and aligned between the earphone speaker and the user's ear canal, a plurality of openings interposed the hollow cylinder wall and the sides of the spatially located cone, said cone adapted to reflect sound waves from the earphone speaker directed towards the user's ear canal and the openings pass sound waves directed away from the user's ear canal and into the folds of skin of the outer ear to be reflected then into the ear canal for hearing by the user.

    Abstract translation: 公开了一种用于附接到用户耳机耳机的声音偏转器，包括位于耳机耳机和用户耳道之间的装置，所述装置包括适于可操作地连接到耳机耳机扬声器壳体的中空圆柱体，从而限制来自扬声器的声音 圆柱体内部以及位于中空圆筒的开口附近空间位置并与耳机扬声器和使用者耳道之间对准的圆锥体，多个开口插入中空圆筒壁和空间定位锥体的侧面，所述圆锥体适于 以反映来自耳机扬声器的声波指向用户的耳道，并且开口使声波远离用户的耳道并且进入外耳的皮肤的褶皱中，以被反射，然后进入耳道以供用户听觉 。

    Protective liner for tires resistant to displacement during use
    9.
    发明授权
    Protective liner for tires resistant to displacement during use 失效
    在使用过程中耐轮胎排气的轮胎的防护衬垫

    公开(公告)号：US4231407A

    公开(公告)日：1980-11-04

    申请号：US918475

    申请日：1978-06-23

    Applicant: David L. James

    Inventor： David L. James

    IPC: B60C19/12 ,  B60C5/08

    CPC classification number: B60C19/122 ,  Y10T152/10234

    Abstract: A protective liner for a tire having a tread portion and housing an inflatable tube, the liner having an elongated panel of puncture resistant material adapted to be extended circumferentially about the tube within the tire; and a pair of ridges borne by the panel extending in spaced, substantially parallel relation along the panel for embedded engagement with the interior of the tire to maintain selected alignment between the tread portion thereof and the panel.

    Abstract translation: 一种用于具有胎面部分并且容纳可充气管的轮胎的保护衬套，所述衬里具有适于围绕所述轮胎内的所述管周向延伸的防刺穿材料的细长板; 以及由面板承载的一对隆起部，沿着面板以间隔开的基本上平行的关系延伸，用于与轮胎的内部嵌入接合，以保持其胎面部分和面板之间的选定对准。

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