公开(公告)号：US20140337175A1

公开(公告)日：2014-11-13

申请号：US13520481

申请日：2012-02-22

申请人： Edward Katzin ,  Julian Hua ,  Gregory Kenneth Storey ,  Michael Mori ,  Abhinav Shrivastava ,  Amit Bhargava ,  Andrew Beck ,  Ayman Hammad ,  Ben Pfisterer ,  Diane Salmon ,  Igor Karpenko ,  Jennifer Schulz ,  Miroslav Gavrilov ,  Peter Ciurea ,  Patrick Faith ,  Phillip Kumnick ,  Saurav Chatterjee ,  Sebastian Badea ,  Shaw Li ,  Shipra Jha ,  Stacy Pourfallah ,  Susan French ,  Tenni Theurer ,  Theodore Harris ,  Thomas Purves ,  Vanita Pandey ,  Victoria Graham ,  Prakash Hariramani

发明人： Edward Katzin ,  Julian Hua ,  Gregory Kenneth Storey ,  Michael Mori ,  Abhinav Shrivastava ,  Amit Bhargava ,  Andrew Beck ,  Ayman Hammad ,  Ben Pfisterer ,  Diane Salmon ,  Igor Karpenko ,  Jennifer Schulz ,  Miroslav Gavrilov ,  Peter Ciurea ,  Patrick Faith ,  Phillip Kumnick ,  Saurav Chatterjee ,  Sebastian Badea ,  Shaw Li ,  Shipra Jha ,  Stacy Pourfallah ,  Susan French ,  Tenni Theurer ,  Theodore Harris ,  Thomas Purves ,  Vanita Pandey ,  Victoria Graham ,  Prakash Hariramani

IPC分类号： G06Q20/36 ,  G06Q20/32 ,  G06Q30/06

CPC分类号： G06Q20/36 ,  G06Q20/204 ,  G06Q20/322 ,  G06Q20/367 ,  G06Q30/00 ,  G06Q30/06 ,  G06Q30/0623 ,  G07F7/0886

摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

摘要翻译： 通用电子支付设备，方法和系统（“UEP”）将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。 在一个实现中，UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求，获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。 此外，UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。

公开(公告)号：US10223691B2

公开(公告)日：2019-03-05

申请号：US13520481

申请日：2012-02-22

申请人： Edward Katzin ,  Julian Hua ,  Gregory Kenneth Storey ,  Michael Mori ,  Abhinav Shrivastava ,  Amit Bhargava ,  Andrew Beck ,  Ayman Hammad ,  Ben Pfisterer ,  Diane Salmon ,  Igor Karpenko ,  Jennifer Schulz ,  Miroslav Gavrilov ,  Peter Ciurea ,  Patrick Faith ,  Phillip Kumnick ,  Saurav Chatterjee ,  Sebastian Badea ,  Shaw Li ,  Shipra Jha ,  Stacy Pourfallah ,  Susan French ,  Tenni Theurer ,  Theodore Harris ,  Thomas Purves ,  Vanita Pandey ,  Victoria Graham ,  Prakash Hariramani

发明人： Edward Katzin ,  Julian Hua ,  Gregory Kenneth Storey ,  Michael Mori ,  Abhinav Shrivastava ,  Amit Bhargava ,  Andrew Beck ,  Ayman Hammad ,  Ben Pfisterer ,  Diane Salmon ,  Igor Karpenko ,  Jennifer Schulz ,  Miroslav Gavrilov ,  Peter Ciurea ,  Patrick Faith ,  Phillip Kumnick ,  Saurav Chatterjee ,  Sebastian Badea ,  Shaw Li ,  Shipra Jha ,  Stacy Pourfallah ,  Susan French ,  Tenni Theurer ,  Theodore Harris ,  Thomas Purves ,  Vanita Pandey ,  Victoria Graham ,  Prakash Hariramani

IPC分类号： G06Q30/00 ,  G06Q20/36 ,  G06Q20/20 ,  G06Q30/06 ,  G07F7/08 ,  G06Q20/32

摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

公开(公告)号：US20090192904A1

公开(公告)日：2009-07-30

申请号：US12358790

申请日：2009-01-23

申请人： Barbara Patterson ,  Kelly Alpert ,  Jennifer Schulz ,  Stacy Pourfallah

发明人： Barbara Patterson ,  Kelly Alpert ,  Jennifer Schulz ,  Stacy Pourfallah

IPC分类号： G06Q20/00 ,  G06Q40/00 ,  G06Q30/00

CPC分类号： G06Q20/227 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204

摘要： System for conducting a financial transaction with a single financial presentation device linked to multiple financial accounts stores financial account information of multiple financial accounts associated with the presentation device, and a set of predetermined rules for determining which of the financial accounts is to be used to conduct a financial transaction. A linked-account processing program receives an authorization request for the financial transaction which has been initiated at a merchant's computer using the presentation device. The program determines whether the presentation device is associated with multiple financial accounts, and if so, selects one account among the multiple linked financial accounts based on the predetermined set of rules, and routes the authorization request to an issuer of the selected financial account.

摘要翻译： 与多个金融账户相连的单个财务呈现装置进行金融交易的系统存储与呈现装置相关联的多个金融账户的财务账户信息，以及一组用于确定哪个金融账户将被用于执行的预定规则 金融交易。 链接帐户处理程序接收使用呈现装置在商家的计算机上发起的金融交易的授权请求。 该程序确定呈现设备是否与多个财务帐户相关联，如果是，则基于预定的规则集在多个链接的金融账户中选择一个账户，并将授权请求路由到所选择的金融账户的发行者。

公开(公告)号：US09611527B2

公开(公告)日：2017-04-04

申请号：US13265573

申请日：2010-04-22

申请人： Manfred Meurer ,  Martin Norden ,  Wilhelm Warnecke ,  Marc Blumenau ,  Matthias Dahlem ,  Jennifer Schulz ,  Klaus Josef Peters

发明人： Manfred Meurer ,  Martin Norden ,  Wilhelm Warnecke ,  Marc Blumenau ,  Matthias Dahlem ,  Jennifer Schulz ,  Klaus Josef Peters

IPC分类号： C23C2/02 ,  C23C2/04 ,  C21D1/26 ,  C21D1/76 ,  C23C2/06

CPC分类号： C23C2/02 ,  C23C2/06

摘要： A method by which a flat steel product containing 2-35 wt. % of Mn can be provided with a coating of Zn which adheres well by annealing at an annealing temperature Ta of 600-1100° C. for an annealing time of 10-240 s under an annealing atmosphere which has a reducing effect on the FeO present on the flat steel product and an oxidizing effect on the Mn contained in the steel substrate thereby forming a layer of Mn mixed oxide which covers the flat steel product at least in sections and then cooling the flat steel product to a temperature for bath entry and conveying it through a bath of molten Zn saturated within iron at a temperature of 420-520° C., within a dip time of 0.1-10 s.

公开(公告)号：US20120125491A1

公开(公告)日：2012-05-24

申请号：US13265573

申请日：2010-04-22

申请人： Manfred Meurer ,  Martin Norden ,  Wilhelm Warnecke ,  Marc Blumenau ,  Matthias Dahlem ,  Jennifer Schulz ,  Klaus Josef Peters

发明人： Manfred Meurer ,  Martin Norden ,  Wilhelm Warnecke ,  Marc Blumenau ,  Matthias Dahlem ,  Jennifer Schulz ,  Klaus Josef Peters

IPC分类号： C23C2/02 ,  C21D6/00

CPC分类号： C23C2/02 ,  C23C2/06

摘要： A method by which a flat steel product containing 2-35 wt. % of Mn can be provided with a coating of Zn which adheres well by annealing at an annealing temperature Ta of 600-1100° C. for an annealing time of 10-240 s under an annealing atmosphere which has a reducing effect on the FeO present on the flat steel product and an oxidising effect on the Mn contained in the steel substrate thereby forming a layer of Mn mixed oxide which covers the flat steel product at least in sections and then cooling the flat steel product to a temperature for bath entry and conveying it through a bath of molten Zn saturated within iron at a temperature of 420-520° C., within a dip time of 0.1-10 s.

摘要翻译： 一种含有2-35重量％ Mn的％可以提供Zn的涂层，其在600-1100℃的退火温度Ta下退火，在退火时间为10-240秒的退火温度下良好地附着，对退火气氛具有还原作用 在扁钢产品上，对钢基材中所含的Mn具有氧化作用，从而形成至少部分覆盖扁钢产品的Mn混合氧化物层，然后将扁钢产品冷却至用于进入和输送的温度 它在420-520℃的温度下在铁内饱和的熔融锌浴中，浸渍时间为0.1-10s。

公开(公告)号：US08799067B2

公开(公告)日：2014-08-05

申请号：US12412361

申请日：2009-03-27

申请人： Edward Winfield Fordyce, III ,  Mary Pat McMahon ,  Jennifer Schulz

发明人： Edward Winfield Fordyce, III ,  Mary Pat McMahon ,  Jennifer Schulz

IPC分类号： G06Q30/00 ,  G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q30/0229 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/12

摘要： A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that provides rewards to enrolled debit card accounts. The authorized issuers provide management of the debit card accounts including customer statements, payment authorizations and customer service. Application data for a new debit card account is transmitted from the merchant to the selected issuer by a card processing system. Enrollment data to the merchant loyalty program may also be transmitted from the merchant to an authorized issuer by the card processing system.

摘要翻译： 描述了一种商业借记卡程序，其包括用于借记卡帐户的多个授权发行者。 商业借记卡计划包括向注册的借记卡帐户提供奖励的商业忠诚度计划。 授权发行人提供借记卡帐户的管理，包括客户报表，付款授权和客户服务。 用于新的借记卡帐户的应用数据由卡处理系统从商家发送到所选择的发行者。 商户忠诚度计划的注册数据也可以由卡处理系统从商家传送到授权的发行者。