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    System and method for linking point of sale devices within a virtual network
    2.
    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
    3.
    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
    5.
    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
    6.
    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。

    SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA
    10.
    发明申请
    SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 有权
    使用二级标识指标对RF交易设备管理多个帐户的系统和方法

    公开(公告)号：US20110289001A1

    公开(公告)日：2011-11-24

    申请号：US13181846

    申请日：2011-07-13

    申请人： Fred Bishop ,  Peter D. Saunders

    发明人： Fred Bishop ,  Peter D. Saunders

    IPC分类号： G06Q40/00

    CPC分类号： G07C9/00111 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/20 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/40 ,  G07C9/00119 ,  G07F7/1083

    摘要： Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other. The transaction device user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts. The transaction request may be processed in accordance with the user's allocations.

    摘要翻译： 系统和方法被配置为管理与事务设备相关联的数据集。 例如，提供了一种用于促进由不同数据集所有者提供的交易设备上的不同数据集的管理的方法，其中不同的数据集可以包括不同的格式。 该方法包括以下步骤：通过读/写将第一数据集加到金融交易设备中，其中第一数据集由第一所有者拥有; 通过所述读/写设备将第二数据集合加到所述金融交易设备，其中所述第二数据集由第二所有者拥有; 以及根据所有者定义的格式将所述第一数据集和所述第二数据集存储在所述金融交易装置上。 第一和第二数据集分别与第一和第二所有者相关联，并且被配置为彼此独立地存储。 可以允许交易设备用户使用辅助标识符标记来选择用于交易完成的多个数据集中的至少一个。 在用户选择多个帐户进行交易完成的情况下，可以允许用户将交易的部分分配给所选择的交易账户。 交易请求可以根据用户的分配进行处理。