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：US07917402B2

公开(公告)日：2011-03-29

申请号：US11375821

申请日：2006-03-15

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

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

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0207 ,  G06Q30/02 ,  G06Q30/0214 ,  G06Q30/0215 ,  G06Q30/0222 ,  G06Q30/0241 ,  G06Q30/0601 ,  G06Q30/0613 ,  G06Q30/0641

摘要： A method for developing a direct person-to-person multilevel direct affiliate marketing network using electronic communications makes a first person an affiliate member of an affiliate marketing program via an online registration process. An electronic communication is generated that has a unique hyperlink that, when selected, links to a source associated with the affiliate marketing program and identifies the first person so that a commission can be allocated to the first person based upon purchases made at the source as a result of access to the source via the link. The first person can forward the electronic communication to others who can use the link to access the source and purchase products or services and/or become an affiliate member. A person that becomes a new affiliate member as a result of accessing the source via the link is placed in a developing network organization of the first person. The process repeats by generating a unique hyperlink for the second person, thereby allowing the new affiliate member to forward electronic communications having his or her unique identifying link to others.

摘要翻译： 使用电子通信开发直接的个人到个人多层次直属联盟营销网络的方法使得第一人通过在线注册过程成为联属营销计划的附属成员。 生成电子通信，其具有唯一的超链接，当被选择时，链接到与联属营销计划相关联的源并识别第一人，使得可以基于在源处的购买作为第一人员来分配佣金作为第一人 通过链接访问源的结果。 第一个人可以将电子通信转发给可以使用链接访问来源并购买产品或服务和/或成为附属成员的其他人。 作为通过链接访问源的结果成为新的附属成员的人被放置在第一人的开发网络组织中。 该过程通过为第二人生成唯一的超链接来重复，从而允许新的附属成员转发具有其独特识别链接的他人的电子通信。

公开(公告)号：US20150278773A1

公开(公告)日：2015-10-01

申请号：US13554586

申请日：2012-07-20

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

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

IPC分类号： G06Q20/14 ,  G06Q20/32

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：US08341038B1

公开(公告)日：2012-12-25

申请号：US13073632

申请日：2011-03-28

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

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

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0207 ,  G06Q30/02 ,  G06Q30/0214 ,  G06Q30/0215 ,  G06Q30/0222 ,  G06Q30/0241 ,  G06Q30/0601 ,  G06Q30/0613 ,  G06Q30/0641

摘要： Methods for providing a payment account enabling an accountholder of the account to obtain discounts on purchases made at point of sale terminals of a plurality of different merchants and to pay for the purchases with the provided account. Methods further include providing an accountholder of the payment account an online user-account that enables the accountholder to access websites corresponding to the plurality of different merchants and to obtain a discount on each online purchase made at said websites by virtue of said access to a website at which said online purchase is made from said online user-account. The methods further include providing payment accounts to persons sponsored by the accountholder and to individuals sponsored by such sponsored persons and paying commissions to the accountholder based upon purchases made at point of sale terminals of the plurality of different merchants by persons or individuals within such a sponsored network.

摘要翻译： 提供支付帐户的方法，使帐户的账户持有人获得在多个不同商家的销售点终端购买的折扣并且用所提供的账户支付购买的方法。 方法还包括向所述支付账户的账户持有人提供在线用户账户，该账户使得账户持有者访问对应于所述多个不同商家的网站，并且通过所述访问网站获得在所述网站上进行的每个在线购买的折扣 所述在线购买是从所述在线用户帐户进行的。 所述方法还包括向由该账户持有人赞助的个人和由该赞助者赞助的个人提供付款账户，并且基于在这些赞助者中的个人或个人在多个不同商家的销售点终端处进行购买而向该账户支付佣金 网络。

公开(公告)号：US08385912B2

公开(公告)日：2013-02-26

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： H04W4/00 ,  G06F7/00 ,  G06F17/30 ,  H04M11/00 ,  H04M1/66 ,  H04M1/68 ,  H04M3/16

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：US07778636B2

公开(公告)日：2010-08-17

申请号：US11595500

申请日：2006-11-09

申请人： Devon A. Rolf

发明人： Devon A. Rolf

IPC分类号： H04W4/00

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 for receiving an electronic response to an advertisement that is wirelessly transmitted to a mobile wireless communications device involve routing a connection from the wireless communications device to a source based at least in part on a location of the mobile wireless communications device. A wireless communications device has an input and a display and, in response to an input indicating interest in that which is advertised, transmits its location for use in routing a connection with a source associated with the advertisement.

摘要翻译： 用于接收对无线传输到移动无线通信设备的广告的电子响应的系统和方法包括至少部分地基于移动无线通信设备的位置将连接从无线通信设备路由到源。 无线通信设备具有输入和显示，并且响应于表示对所通告的兴趣的输入，输出其位置以用于路由与与广告相关联的源的连接。

公开(公告)号：US20100198711A1

公开(公告)日：2010-08-05

申请号：US12760172

申请日：2010-04-14

申请人： Devon A. Rolf

发明人： Devon A. Rolf

IPC分类号： G06Q40/00 ,  G06Q10/00

CPC分类号： G06Q20/14 ,  G06Q40/12

摘要： A system and method for substantially increasing billing flexibility on communications or media accounts which also offer user users the ability to make electronic purchases or other financial transactions, where those transactions are accounted for with an additional account or with the same account through which the media or communications services are offered. Charges associated with use of the communications service or making of the financial transactions may be increased or reduced depending on such factors as volume of use, number of transactions, and a monetary value of the transactions.

摘要翻译： 一种用于在通信或媒体账户上显着提高计费灵活性的系统和方法，该系统和方法还向用户提供进行电子购买或其他金融交易的能力，其中这些交易是用附加账户或相同帐户核算的， 提供通讯服务。 根据诸如使用量，交易数量和交易的货币价值等因素，可以增加或减少与使用通信服务或进行金融交易相关的费用。

公开(公告)号：US07729985B1

公开(公告)日：2010-06-01

申请号：US11485699

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： G06Q40/02 ,  G06Q20/10

摘要： A system and method for depositing salary payments directly into an account that is associated with at least one of a communications service and an Internet feature, such as auction, search, communication, hosting, social community, content aggregation, media downloading or streaming, whereafter the deposited money is available to be used in electronic commerce or to be otherwise withdrawn. The account may be maintained either by a communication service provider associated with the account or by a financial service provider (e.g., a bank) in partnership with a provider of communications and/or Internet services or with the ability to support such communications/Internet offerings.

摘要翻译： 一种用于将工资支付直接存入与通信服务和诸如拍卖，搜索，通信，主办，社区，内容聚合，媒体下载或流媒体之类的通信服务和因特网特征中的至少一个相关联的帐户的系统和方法，此后 存放的钱可用于电子商务或以其他方式撤回。 帐户可以由与帐户相关联的通信服务提供商或由金融服务提供商（例如，银行）与通信和/或因特网服务提供商合作维护，或者具有支持这种通信/互联网产品的能力 。

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。