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    Conditional purchase offer buyer agency system
    1.
    发明授权
    Conditional purchase offer buyer agency system 失效
    有条件购买报价买家代理系统

    公开(公告)号：US06356878B1

    公开(公告)日：2002-03-12

    申请号：US08997170

    申请日：1997-12-22

    申请人： Jay S. Walker ,  Andrew S. Van Luchene ,  Daniel E. Tedesco ,  James A. Jorasch ,  Thomas M. Sparico

    发明人： Jay S. Walker ,  Andrew S. Van Luchene ,  Daniel E. Tedesco ,  James A. Jorasch ,  Thomas M. Sparico

    IPC分类号： G06F1760

    CPC分类号： G07F9/026 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/403 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q30/0635 ,  G06Q40/04 ,  G07G1/00

    摘要： A conditional purchase offer (CPO) buyer agency system is disclosed for processing variable conditional purchase offers (CPOs) containing at least one variable condition. If a posted CPO is not accepted by at least one seller for a predefined period of time, or has been rejected by all potential sellers, the terms of the posted CPO may be modified by the CPO buyer agency system, within the tolerances specified by the buyer in the variable CPO, to facilitate acceptance. A buyer can submit a variable CPO having two sets of conditions, namely, a first set and a second set of conditions, as well as the corresponding buyer-defined offer price for each condition set. In addition, the buyer preferably provides a set of rules to control the gradual posting of the condition sets between the first and second condition sets, as well as the appropriate adjustments to the corresponding offer price. A buyer can also submit a variable CPO having several predefined CPO sets, each with defined condition sets and corresponding offer prices, as well as a priority for their posting. If the highest priority CPO is not accepted, the next CPO in the prioritized list can be posted until a CPO is bound, all possibilities have been exhausted or the variable CPO has expired. A CPO rule application process monitors and modifies variable CPOs having a first set and a second set of conditions, and a CPO evaluation process monitors and modifies variables CPOs having predefined CPO condition sets.

    摘要翻译： 披露有条件收购要约（CPO）买方代理系统，用于处理包含至少一个可变条件的可变有条件收购要约（CPO）。 如果一个已发布的CPO在预定义的时间段内不被至少一个卖方所接受，或被所有潜在的卖家拒绝，则CPO买方代理系统可以修改公布的CPO的条款， 买家在变量CPO中，方便验收。 买方可以提交具有两套条件的变量CPO，即第一组和第二组条件，以及每个条件集的相应的买方定价报价。 此外，买方最好提供一套规则，以控制在第一和第二条件集之间逐步过帐条件集，以及对相应报价的适当调整。 买家还可以提交具有多个预定义CPO集合的变量CPO，每个CPO集合都具有定义的条件集和相应的报价价格，以及其发布的优先级。 如果不接受最高优先级的CPO，则优先级列表中的下一个CPO可以被发布，直到CPO被绑定，所有可能性已经耗尽或变量CPO已经过期。 CPO规则应用程序监视和修改具有第一组和第二组条件的可变CPO，并且CPO评估过程监视和修改具有预定义CPO条件集的变量CPO。

    Conditional purchase offer management system for event tickets
    2.
    发明授权
    Conditional purchase offer management system for event tickets 失效
    有条件的采购报价管理系统

    公开(公告)号：US06240396B1

    公开(公告)日：2001-05-29

    申请号：US08923530

    申请日：1997-09-04

    申请人： Jay S. Walker ,  Robert R. Lech ,  Andrew S. Van Luchene ,  Thomas M. Sparico ,  James A. Jorasch ,  Bruce Schneier

    发明人： Jay S. Walker ,  Robert R. Lech ,  Andrew S. Van Luchene ,  Thomas M. Sparico ,  James A. Jorasch ,  Bruce Schneier

    IPC分类号： G06F1760

    CPC分类号： G06Q20/00 ,  G06Q10/02 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/403 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q30/08 ,  G06Q40/04 ,  G07F9/026

    摘要： A system for managing conditional purchase offers is disclosed where an individual searching for a ticket to a particular event may provide a guaranteed purchase offer to a plurality of potential sellers. Various methods and systems for completing such a transaction are also disclosed. An exemplary method includes: making available a guaranteed purchase offer to a plurality of potential sellers; potential sellers examining offers corresponding to a ticket they possess; and a potential seller providing an acceptance to the guaranteed purchase offer. The disclosure describes a method of payment whereby both the buyer and seller must provide credit card pre-authorization to ensure payment and delivery of the ticket. Also, one embodiment discloses a delivery of the ticket that includes the participation of the venue hosting the event. In this embodiment, the traditional practice of exchanging tickets for cash is replaced with an electronic serial number system. According to this system, the venue may be notified to cancel the serial number originally assigned to the ticket held by the seller, and re-assign a new serial number directly to the buyer. The buyer may then exchange this number for a ticket at the venue box office.

    摘要翻译： 公开了一种用于管理有条件购买优惠的系统，其中个人搜索特定事件的票据可向多个潜在卖家提供保证购买报价。 还公开了用于完成这种交易的各种方法和系统。 一种示例性方法包括：向多个潜在卖家提供有保证的购买报价; 潜在卖家检查与他们拥有的票相对应的报价; 以及潜在的卖方接受保证购买报价。 本公开描述了一种付款方式，买方和卖方必须提供信用卡预授权以确保票据的支付和交付。 此外，一个实施例公开了包括参与举办活动的场地的票的递送。 在本实施例中，用电子序列号系统替换现金交换票的传统做法。 根据该系统，可以通知场地取消原始分配给卖方持有的票的序列号，并将新的序列号直接重新分配给买方。 然后，买方可以在场地票房交换这个号码。

    Method and system for controlling authorization of credit card transactions
    4.
    发明授权
    Method and system for controlling authorization of credit card transactions 有权
    控制信用卡交易授权的方法和系统

    公开(公告)号：US06327348B1

    公开(公告)日：2001-12-04

    申请号：US09417182

    申请日：1999-10-12

    申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    IPC分类号： H04M1100

    CPC分类号： G06Q20/425 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/385 ,  G06Q20/4037 ,  G07F7/08

    摘要： A method and apparatus for controlling credit card use. As described in one aspect of the disclosure, a method is disclosed for facilitating communication between a first person (e.g., an account holder) and a second person (e.g., a user) so that the first person may authorize a transaction between the second person and a third party (e.g., a merchant). The method comprises the steps of linking the first and second persons to a financial account that is used for the transaction, receiving data identifying the financial account and the third party from the third party, inquiring whether the first person desires to communicate with the second person based on the data identifying the financial account, and enabling communication between the first and second persons based on a response to the inquiry from the first person and the data identifying the third party. In this way, the first person can control the authorization or denial of a transaction executed by a user based on circumstances surrounding the transaction.

    摘要翻译： 一种用于控制信用卡使用的方法和装置。 如在本公开的一个方面中所描述的，公开了一种用于促进第一人（例如，账户持有者）和第二人（例如，用户）之间的通信的方法，使得第一人可以授权第二人之间的交易 和第三方（如商家）。 该方法包括以下步骤：将第一和第二人员连接到用于交易的金融账户，从第三方接收识别金融帐户和第三方的数据，询问第一人是否希望与第二人通信 基于识别财务帐户的数据，以及基于对来自第一人的查询的响应和识别第三方的数据，实现第一和第二人之间的通信。 以这种方式，第一人可以基于交易的环境来控制用户执行的交易的授权或拒绝。

    SYSTEM AND METHOD FOR FACILITATING ACCOUNT-BASED TRANSACTIONS
    5.
    发明申请
    SYSTEM AND METHOD FOR FACILITATING ACCOUNT-BASED TRANSACTIONS 失效
    促进基于帐户交易的系统和方法

    公开(公告)号：US20120265639A1

    公开(公告)日：2012-10-18

    申请号：US13531677

    申请日：2012-06-25

    申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    IPC分类号： G06Q30/06

    CPC分类号： G06Q20/401 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/385 ,  G06Q20/4037 ,  G06Q20/409 ,  G06Q20/425 ,  G06Q30/0284 ,  G06Q40/00 ,  G06Q40/12 ,  G07F7/08 ,  H04L29/06 ,  H04L67/14 ,  H04L69/329

    摘要： Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.

    摘要翻译： 提出了系统，方法和设备，以促进基于帐户的交易。 在一个实施例中，该方法包括将第一人员与帐户相关联，将第二人员与该帐户相关联，接收来自第三方的请求以授权第二人与第三方之间的交易，确定第二人与第三方之间的第一通信地址 第一方，并联系第一方。 该过程还包括确定第一人希望与第二人通信，确定第二人的第二通信地址，发起第一人与第二人之间的通信，以及接收来自第一人的授权的第一人的信号 交易或拒绝交易。

    METHOD AND APPARATUS FOR PROCESSING A CHARGE APPLIED TO A FINANCIAL ACCOUNT
    6.
    发明申请
    METHOD AND APPARATUS FOR PROCESSING A CHARGE APPLIED TO A FINANCIAL ACCOUNT 审中-公开
    用于处理适用于财务帐目的费用的方法和装置

    公开(公告)号：US20090228381A1

    公开(公告)日：2009-09-10

    申请号：US12468637

    申请日：2009-05-19

    申请人： Magdalena Mik ,  Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    发明人： Magdalena Mik ,  Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

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

    CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q30/04 ,  G06Q40/08 ,  G06Q50/22

    摘要： In one embodiment, a billing server receives charge data from a card authorization terminal. The charge data indicates a transaction amount, such as a purchase price, and a first financial account, such as a credit card account. The billing server determines a second financial account that corresponds to the first financial account. For example, the second financial account may be the financial account of an insurance company or other reimbursing party. The billing server also determines a reimbursement amount that corresponds to the first financial account. The second financial account is charged the reimbursement amount. Thus, a portion or all of the transaction amount is paid by a reimbursing party. The second financial account is only charged if a reimbursement rule is satisfied. For example, only purchases made at certain types of merchants may be reimbursed. In addition, the billing server may first request approval before charging the second financial account.

    摘要翻译： 在一个实施例中，记帐服务器从卡授权终端接收费用数据。 费用数据表示交易金额，例如购买价格，以及第一个金融账户，如信用卡账户。 计费服务器确定对应于第一金融账户的第二金融账户。 例如，第二财务帐户可以是保险公司或其他报销方的财务账户。 计费服务器还确定对应于第一金融账户的报销金额。 第二个财务帐户收取报销金额。 因此，一部分或全部交易金额由偿付方支付。 第二个财务帐户只有在偿还规定得到满足的情况下才会被收取。 例如，只有在某些类型的商家进行的购买可能会被报销。 此外，计费服务器可以在对第二金融账户收费之前首先请求批准。

    System and method for facilitating account-based transactions
    9.
    发明授权
    System and method for facilitating account-based transactions 失效
    用于促进基于帐户的交易的系统和方法

    公开(公告)号：US08666041B2

    公开(公告)日：2014-03-04

    申请号：US13531677

    申请日：2012-06-25

    申请人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    发明人： Jay S. Walker ,  Daniel E. Tedesco ,  Andrew S. Van Luchene ,  James A. Jorasch

    IPC分类号： H04M11/00

    CPC分类号： G06Q20/401 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/385 ,  G06Q20/4037 ,  G06Q20/409 ,  G06Q20/425 ,  G06Q30/0284 ,  G06Q40/00 ,  G06Q40/12 ,  G07F7/08 ,  H04L29/06 ,  H04L67/14 ,  H04L69/329

    摘要： Systems, methods and apparatus are presented for facilitating account-based transactions. In an embodiment, the method includes associating a first person with an account, associating a second person with the account, receiving a request from a third party to authorize a transaction between the second person and the third party, determining a first communication address of the first party, and contacting the first party. The process also includes determining that the first person desires to communicate with the second person, determining a second communication address of the second person, initiating a communication between the first person and the second person, and receiving a signal from the first person that authorizes the transaction or declines the transaction.

    摘要翻译： 提出了系统，方法和设备，以促进基于帐户的交易。 在一个实施例中，该方法包括将第一人员与帐户相关联，将第二人员与该帐户相关联，接收来自第三方的请求以授权第二人与第三方之间的交易，确定第二人与第三方之间的第一通信地址 第一方，并联系第一方。 该过程还包括确定第一人希望与第二人通信，确定第二人的第二通信地址，发起第一人与第二人之间的通信，以及接收来自第一人的授权的第一人的信号 交易或拒绝交易。