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    Systems and methods to temporarily transfer funds to a member
    1.
    发明授权
    Systems and methods to temporarily transfer funds to a member 有权
    将资金暂时转入会员的制度和方法

    公开(公告)号：US08376222B1

    公开(公告)日：2013-02-19

    申请号：US11929998

    申请日：2007-10-30

    申请人： Bradly Jay Billman ,  Reynaldo Medina, III ,  Benjamin Hunter Stotts

    发明人： Bradly Jay Billman ,  Reynaldo Medina, III ,  Benjamin Hunter Stotts

    IPC分类号： G06K5/00

    CPC分类号： G06Q20/34 ,  G06K19/06 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q30/06

    摘要： Systems, methods, and computer-readable media provide a time-limited monetary value to a member of an organization, using a member card or member icon, which may be issued by other than a bank or brokerage institution. In embodiments, the monetary value may be restricted to a single transaction and a maximum amount. In other embodiments, purchases of authorized goods and services may be controlled by corresponding product codes. A password or biometric may be used to authenticate the intended purchaser to the organization and/or merchant.

    摘要翻译： 系统，方法和计算机可读介质使用会员卡或会员图标向组织成员提供有时限的货币价值，会员卡或会员图标可能由银行或经纪机构以外的其他会员卡发行。 在实施例中，货币价值可以限于单个交易和最大量。 在其他实施例中，授权商品和服务的购买可以由相应的产品代码来控制。 可以使用密码或生物特征来向组织和/或商家认证预期购买者。

    Dynamic credit card security code via mobile device
    2.
    发明授权
    Dynamic credit card security code via mobile device 有权
    动态信用卡安全码通过移动设备

    公开(公告)号：US08365988B1

    公开(公告)日：2013-02-05

    申请号：US12101881

    申请日：2008-04-11

    申请人： Reynaldo Medina, III ,  Bradly Jay Billman

    发明人： Reynaldo Medina, III ,  Bradly Jay Billman

    IPC分类号： G06K5/00

    CPC分类号： G06Q20/3226 ,  G06Q20/28 ,  G06Q20/322 ,  G06Q20/401 ,  G06Q20/4018

    摘要： Systems, methods and computer readable media are disclosed for prioritizing tasks associated with a group of first users based on number of times the first users have monitored the status of a task. In addition to the general system, systems, methods and computer readable media for task prioritizing, the tasks may be prioritized based on the number of first users associated with a task, the importance of each first user associated with a task, and the way the task was identified.

    摘要翻译： 公开了系统，方法和计算机可读介质，用于基于第一用户监视任务的状态的次数来优先化与一组第一用户相关联的任务。 除了用于任务优先级的一般系统，系统，方法和计算机可读介质之外，可以基于与任务相关联的第一用户的数量，与任务相关联的每个第一用户的重要性以及该方式 确定了任务。

    Systems and methods for automobile accident claims initiation
    5.
    发明授权
    Systems and methods for automobile accident claims initiation 有权
    汽车事故索赔的制度和方法开始

    公开(公告)号：US08712806B1

    公开(公告)日：2014-04-29

    申请号：US13601390

    申请日：2012-08-31

    申请人： Reynaldo Medina, III ,  Charles Lee Oakes, III ,  Bradly Jay Billman ,  Michael Patrick Bueché, Jr.

    发明人： Reynaldo Medina, III ,  Charles Lee Oakes, III ,  Bradly Jay Billman ,  Michael Patrick Bueché, Jr.

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/08

    摘要： Automobile accident claims initiation systems and methods are described. An insured driver may initiate a claim by operating a mobile device. The system provides automated inquiries to the driver through the mobile device. The driver provides responses to the inquiries using the mobile device. The driver may provide images and audio data, as well as personal information and information on the parties and vehicles involved in the accident. The system may automatically arrange for services such as a rental car or a tow truck. The system may provide claim information, such as a claim number to the driver by transmitting information to the mobile device.

    摘要翻译： 描述汽车事故索赔启动系统和方法。 被保险的驾驶员可以通过操作移动设备来发起声明。 该系统通过移动设备向司机提供自动查询。 驱动程序使用移动设备提供对查询的响应。 驾驶员可以提供图像和音频数据，以及关于事故涉及的各方和车辆的个人信息和信息。 系统可以自动安排诸如租车或拖车等服务。 系统可以通过向移动设备发送信息来向驾驶员提供权利要求信息，例如索赔号码。

    Systems and methods to modify a negotiable instrument
    6.
    发明授权
    Systems and methods to modify a negotiable instrument 有权
    修改可转让票据的系统和方法

    公开(公告)号：US08001051B1

    公开(公告)日：2011-08-16

    申请号：US11927896

    申请日：2007-10-30

    申请人： Arthur Quentin Smith ,  John Chandler Hopkins, III ,  Reynaldo Medina, III ,  Bradly Jay Billman

    发明人： Arthur Quentin Smith ,  John Chandler Hopkins, III ,  Reynaldo Medina, III ,  Bradly Jay Billman

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/0425 ,  G06Q20/042 ,  G06Q20/108 ,  G06Q40/00 ,  G06Q40/02

    摘要： When the deposit of a negotiable instrument, such as a check, is done electronically by using a digital image of the negotiable instrument rather than the negotiable instrument itself, during the process, at least two negotiable instruments may exist: the physical negotiable instrument and the digital image of the negotiable instrument. To change the physical negotiable instrument to a non-negotiable instrument, a bank or other financial institution may send a transmission to modify the appearance of the negotiable instrument, thus effectively “voiding” the physical negotiable instrument. The negotiable instrument may have various inks or mechanisms that facilitate the modification of the appearance through the application of a stimulus, such as heat or light. The financial institution may cause the application of the stimulus to modify the appearance of the negotiable instrument.

    摘要翻译： 当通过使用可转让票据的数字图像而不是可转让票据本身进行可转让票据（例如支票）的存款时，在此过程中，可能存在至少两种可转让票据：可转让票据和 可转让票据的数字形象。 要将可转让票据变更为不可转让票据，银行或其他金融机构可以发送变更方式，修改可转让票据的出现，从而有效地“使用”可转让票据。 可转让票据可以具有通过应用诸如热或光的刺激来促进外观修改的各种油墨或机构。 金融机构可能会引起刺激措施的应用来改变可转让票据的出现。

    Systems and methods for a home area recommender
    8.
    发明授权
    Systems and methods for a home area recommender 有权
    家庭区推荐人的系统和方法

    公开(公告)号：US08145661B1

    公开(公告)日：2012-03-27

    申请号：US12059474

    申请日：2008-03-31

    申请人： Bradly Jay Billman ,  Charles Lee Oakes, III ,  Reynaldo Medina, III ,  Michael Patrick Beuche, Jr.

    发明人： Bradly Jay Billman ,  Charles Lee Oakes, III ,  Reynaldo Medina, III ,  Michael Patrick Beuche, Jr.

    IPC分类号： G06F7/00

    CPC分类号： G06Q50/16 ,  G06F17/30241 ,  G06F17/30867 ,  G06Q10/00 ,  G06Q50/01 ,  H04L67/306

    摘要： Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to an other person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.

    摘要翻译： 本文公开了一种具有用于向用户推荐位置的指令的方法，系统和计算机可读存储介质。 优选标准可以由用户例如或第三方选择，并且提供用户正在寻找的客观或主观信息。 实施例可以包括用位置编译客观信息并将客观信息与优选标准进行比较。 可以将用户的简档与另一个人的简档进行比较，其中另一个人的简档与该位置相关联。 如果客观信息与优选标准相关并且其他人的简档与用户的简档相关联，则可以向用户推荐位置。 与该位置相关联的主观信息可以与推荐位置一起提供给用户。 此外，如果主观信息与优选标准相关，则可以向用户推荐位置。

    Systems and methods for automobile accident claims initiation
    9.
    发明授权
    Systems and methods for automobile accident claims initiation 有权
    汽车事故索赔的制度和方法开始

    公开(公告)号：US08260639B1

    公开(公告)日：2012-09-04

    申请号：US13212741

    申请日：2011-08-18

    申请人： Reynaldo Medina, III ,  Charles Lee Oakes, III ,  Bradly Jay Billman ,  Michael Patrick Bueché, Jr.

    发明人： Reynaldo Medina, III ,  Charles Lee Oakes, III ,  Bradly Jay Billman ,  Michael Patrick Bueché, Jr.

    IPC分类号： G06F40/00

    CPC分类号： G06Q40/08

    摘要： Automobile accident claims initiation systems and methods are described. An insured driver may initiate a claim by operating a mobile device. The system provides automated inquiries to the driver through the mobile device. The driver provides responses to the inquiries using the mobile device. The driver may provide images and audio data, as well as personal information and information on the parties and vehicles involved in the accident. The system may automatically arrange for services such as a rental car or a tow truck. The system may provide claim information, such as a claim number to the driver by transmitting information to the mobile device.

    摘要翻译： 描述汽车事故索赔启动系统和方法。 被保险的驾驶员可以通过操作移动设备来发起声明。 该系统通过移动设备向司机提供自动查询。 驱动程序使用移动设备提供对查询的响应。 驾驶员可以提供图像和音频数据，以及关于事故涉及的各方和车辆的个人信息和信息。 系统可以自动安排诸如租车或拖车等服务。 系统可以通过向移动设备发送信息来向驾驶员提供权利要求信息，例如索赔号码。