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    System and method for linking point of sale devices within a virtual network
    3.
    发明授权
    System and method for linking point of sale devices within a virtual network 有权
    在虚拟网络内连接销售点设备的系统和方法

    公开(公告)号：US08694435B1

    公开(公告)日：2014-04-08

    申请号：US11164199

    申请日：2005-11-14

    申请人： Fred Bishop

    发明人： Fred Bishop

    IPC分类号： G06Q20/00

    CPC分类号： G06Q20/202 ,  G06Q20/40 ,  G06Q2220/00 ,  H04L45/745 ,  H04L69/40

    摘要： A system and method for interconnecting multiple point of sale devices creating a mesh-like network structure which reduces connectivity costs while providing greater reliability due to multiple network paths is disclosed. By linking point of sale devices within a virtual network, the need for individual connections to a point of sale controller is eliminated and alternative network paths are provided, thereby ensuring maximum up-time and optimal connection speeds.

    摘要翻译： 公开了一种用于互连多个销售点设备的系统和方法，其创建网状网络结构，其降低连接成本，同时由于多个网络路径而提供更高的可靠性。 通过连接虚拟网络中的销售点设备，消除了对销售点控制器的单独连接的需求，并提供备选的网络路径，从而确保最大的正常运行时间和最佳的连接速度。

    System and method for a payment system directory
    4.
    发明授权
    System and method for a payment system directory 有权
    支付系统目录的系统和方法

    公开(公告)号：US08666855B2

    公开(公告)日：2014-03-04

    申请号：US10611034

    申请日：2003-06-30

    申请人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

    发明人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/06 ,  G06Q20/102

    摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.

    摘要翻译： 动态地启用和促进企业或其他实体查找和处理付款系统以处理付款的目的。 客户与物品（例如商品或服务）的供应商交互，选择要购买的商品，并向供应商提供付款标准。 供应商查询支付系统目录以查找交易的候选支付系统。 供应商然后直接与一个或多个支付系统进行交互，以部分或全部处理交易的付款。 或者，供应商与网关服务交互，网关服务查询支付系统目录以定位候选支付系统，然后与一个或多个支付系统进行交互以处理交易的支付。

    System and method for selection of payment systems from a payment system directory to process a transaction
    6.
    发明授权
    System and method for selection of payment systems from a payment system directory to process a transaction 有权
    用于从支付系统目录中选择支付系统以处理交易的系统和方法

    公开(公告)号：US08271384B2

    公开(公告)日：2012-09-18

    申请号：US13299709

    申请日：2011-11-18

    申请人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

    发明人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/40 ,  G06Q30/0613 ,  G06Q40/12

    摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.

    摘要翻译： 动态地启用和促进企业或其他实体查找和处理付款系统以处理付款的目的。 客户与物品（例如商品或服务）的供应商交互，选择要购买的商品，并向供应商提供付款标准。 供应商查询支付系统目录以查找交易的候选支付系统。 供应商然后直接与一个或多个支付系统进行交互，以部分或全部处理交易的付款。 或者，供应商与网关服务交互，网关服务查询支付系统目录以定位候选支付系统，然后与一个或多个支付系统进行交互以处理交易的支付。

    Systems and methods for facilitating transactions with interest
    7.
    发明授权
    Systems and methods for facilitating transactions with interest 有权
    有利于交易的系统和方法

    公开(公告)号：US08234212B2

    公开(公告)日：2012-07-31

    申请号：US12242766

    申请日：2008-09-30

    申请人： Fred Bishop ,  Bansi Sharma ,  Tracey R. Thomas

    发明人： Fred Bishop ,  Bansi Sharma ,  Tracey R. Thomas

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/0601 ,  G06Q40/025 ,  G06Q40/04

    摘要： A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.

    摘要翻译： 披露了促进账户交易的金融账户发行人。 本发明向卖方提供从购买者接收资金的不可撤销的方法，并提高买方愿意与未知方交易的意愿。 本发明还包括利息支付的选择，不同的发行人的使用，不同的财务账户，预算转移，支出划分，成本分摊，调整信贷限额，贷款，赠送，促进交易的中介，交易跟踪，快速资金可用性 ，资金的机密转移，卖方立即开始装运，只有经过货物，服务或其他价值的批准，向卖方发放资金，证明付款证明和对远程卖方的追索权。