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    Prepaid calling card accounts linked to credit card accounts, with methods for creating and managing the same
    3.
    发明授权
    Prepaid calling card accounts linked to credit card accounts, with methods for creating and managing the same 有权
    与信用卡帐户相关联的预付费电话卡帐户，具有创建和管理信用卡帐户的方法

    公开(公告)号：US08280793B1

    公开(公告)日：2012-10-02

    申请号：US10196326

    申请日：2002-07-16

    申请人： Rodney J. Kempkes ,  Mark J. Pettay ,  Robert E. Johnson ,  David C. Mussman

    发明人： Rodney J. Kempkes ,  Mark J. Pettay ,  Robert E. Johnson ,  David C. Mussman

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/28 ,  G06Q20/3572

    摘要： Methods, apparatus, and computer readable media for linking a prepaid calling card account to a credit card account. The linkage can occur at the time of a transaction involving the credit card account, or when the credit card account is acquired, activated, or renewed. The method can include at least the following. At least one transaction can be executed using the credit card account as payment for the transaction, or the credit card account can be acquired, activated or renewed. A prepaid calling card account is associated with the credit card account, and information related to the new prepaid calling card account is provided to a holder of the credit card account. Various aspects of the invention also provide anti-fraud and credit card recovery capability based on the above teaching.

    摘要翻译： 用于将预付费电话卡帐户链接到信用卡账户的方法，装置和计算机可读介质。 联系可以在涉及信用卡帐户的交易时发生，或者当信用卡账户被获取，激活或更新时发生。 该方法至少可以包括以下内容。 可以使用信用卡账户作为交易的支付，执行至少一个交易，或者可以获取，激活或更新信用卡账户。 预付费电话卡账户与信用卡账户相关联，并向信用卡账户的持有人提供与新的预付费电话卡帐户有关的信息。 本发明的各个方面还提供了基于上述教学的反欺诈和信用卡恢复能力。

    Method and apparatus for processing a cardholder's inquiry or dispute about a credit/charge card
    4.
    发明授权
    Method and apparatus for processing a cardholder's inquiry or dispute about a credit/charge card 有权
    用于处理持卡人对信用卡/费用卡的查询或争议的方法和装置

    公开(公告)号：US08364583B1

    公开(公告)日：2013-01-29

    申请号：US09638728

    申请日：2000-08-14

    申请人： David C. Mussman ,  Rodney J. Kempkes ,  Mark J. Pettay

    发明人： David C. Mussman ,  Rodney J. Kempkes ,  Mark J. Pettay

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q10/06 ,  G06Q20/305 ,  G06Q20/4016 ,  G06Q20/407 ,  G06Q30/01

    摘要： A method and system for processing a credit request from a credit/charge cardholder which automatically applies a rules-based decision process to determine whether to credit the cardholder's account, the amount of the credit, whether to do a chargeback to the merchant, and the amount of the chargeback. Individual issuing banks who issue credit/charge cards and individual merchants may specify custom rules which must be considered before a credit is issued and/or before a chargeback to the merchant is performed. The rules set forth the conditions under which the merchant will waive its right to prove the disputed transaction such that a chargeback is automatically issued to the merchant. For example, a merchant may specify that if the transaction is $20 or less, it will accept an automatic chargeback without the merchant's involvement and if the transaction is greater than $20, the merchant wants to receive notice of the dispute and the opportunity to prove or verify the authenticity of the transaction. In one aspect, the system may optionally include the blocking of calls based upon a list of potential callers from whom further transactions or requests for chargeback will be declined. The callers ANI or calling number identification is compared against the list, and the calls are not answered by the system.

    摘要翻译： 一种用于处理来自信用卡/收费卡持卡人的信用请求的方法和系统，其自动应用基于规则的决策过程来确定是否对持卡人的账户进行信用，信用额度，是否向商家进行拒付，以及 退款金额。 发行信用卡/收费卡和个人商户的个人发卡银行可以指定在发放信用证之前和/或在向商家进行退款之前必须考虑的自定义规则。 这些规定规定了商人将放弃其有权证明有争议的交易的条件，以便自动向商家发出退款。 例如，商家可以指定，如果交易是20美元或更少，它将在没有商家参与的情况下接受自动拒付，如果交易大于20美元，商家希望收到争议通知和证明或 验证交易的真实性。 在一个方面，系统可以可选地包括基于潜在呼叫者的列表来阻止呼叫，来自其的进一步交易或拒付请求将被拒绝。 呼叫者ANI或呼叫号码识别与列表进行比较，呼叫未被系统应答。

    Method, program storage device, and apparatus for offering a user a plurality of scenarios under which to conduct a primary transaction
    5.
    发明授权
    Method, program storage device, and apparatus for offering a user a plurality of scenarios under which to conduct a primary transaction 有权
    方法，程序存储装置和用于向用户提供进行主要交易的多个场景的装置

    公开(公告)号：US08086503B1

    公开(公告)日：2011-12-27

    申请号：US12942426

    申请日：2010-11-09

    申请人： David C. Mussman ,  Thomas B. Barker ,  Gary L. West ,  Ronald A. Katz

    发明人： David C. Mussman ,  Thomas B. Barker ,  Gary L. West ,  Ronald A. Katz

    IPC分类号： G06Q30/00 ,  G06F17/30

    CPC分类号： G06Q30/02 ,  G06Q30/0224 ,  G06Q30/0239 ,  G06Q30/0241 ,  G06Q30/0251 ,  G06Q30/0253 ,  G06Q30/0601 ,  G06Q30/0631 ,  G06Q30/0633

    摘要： A method of offering a user a plurality of scenarios under which to conduct at least one primary transaction involving at least one specific item, the specific item being one of goods and services, with each one of these scenarios entailing a corresponding cost to the user. The method can include at least the following. Communication is established via a communications device between the user and a system to facilitate the primary transaction. Primary transaction data is obtained relating to the primary transaction, with the primary transaction data including data representing an identity of the user and representing the at least one specific item. The user is offered a choice between at least two scenarios under which to conduct the primary transaction, determining costs of the transaction based on allowance of receiving offers of upsell transactions.

    摘要翻译： 一种向用户提供多个场景的方法，在多个场景下，进行涉及至少一个特定项目的至少一个主要交易，该特定项目是商品和服务之一，这些场景中的每一个都为用户带来相应的成本。 该方法至少可以包括以下内容。 通过用户和系统之间的通信设备建立通信，以便于主要交易。 获得与主要交易相关的主交易数据，其中主交易数据包括表示用户身份并表示至少一个特定项目的数据。 在用户进行主要交易的至少两种情景之间提供用户选择，根据接收加价交易的优惠来确定交易的成本。

    Method and system for message delivery security validation
    7.
    发明授权
    Method and system for message delivery security validation 有权
    消息传递安全验证的方法和系统

    公开(公告)号：US09178858B1

    公开(公告)日：2015-11-03

    申请号：US12535920

    申请日：2009-08-05

    申请人： David C. Mussman ,  Ronald Wayne Mathis

    发明人： David C. Mussman ,  Ronald Wayne Mathis ,  Bruce Andersen

    IPC分类号： H04L9/32 ,  H04L29/06

    CPC分类号： H04L63/123 ,  H04L63/0428 ,  H04L63/061 ,  H04L63/08 ,  H04L63/0876 ,  H04L63/10 ,  H04L63/105 ,  H04L63/205

    摘要： A method, a system, and computer readable medium comprising instructions for message delivery security validation are provided. At least one authentication setting from an end user is received at a data collection system. A validation key is generated based on the at least one authentication setting. A message and the validation key are sent to a device of a recipient. The device of the recipient are automatically authenticated using the validation key. The message is delivered to the device of the recipient upon authentication.

    摘要翻译： 提供了一种包括用于消息传递安全性验证的指令的方法，系统和计算机可读介质。 在数据收集系统处接收来自最终用户的至少一个认证设置。 基于至少一个认证设置生成验证密钥。 消息和验证密钥发送到收件人的设备。 使用验证密钥自动验证收件人的设备。 验证后，该消息将传递给收件人的设备。

    Methods and apparatus for intelligent selection of goods and services in mobile commerce
    9.
    发明授权
    Methods and apparatus for intelligent selection of goods and services in mobile commerce 有权
    移动商务智能选择商品和服务的方法和设备

    公开(公告)号：US08712857B1

    公开(公告)日：2014-04-29

    申请号：US10675934

    申请日：2003-09-30

    申请人： Rocco L. Adornato ,  David C. Mussman

    发明人： Rocco L. Adornato ,  David C. Mussman

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/0207

    摘要： Methods for providing an offer of an upsell item to users of a given self-service device, and systems and computer-readable media suitable for practicing the methods. The method can comprise enabling initiation of a given primary transaction between a given user and the given self-service device, with the given primary transaction involving a specific good and/or a specific service that is obtained using the given self-service device. The given user is identified, and the geographic location of the given user when initiating the given primary transaction is established. A second data element relating to the given user is obtained utilizing data representing the identity of the given user. The upsell item is determined utilizing, at least in part, the second data element and data representing the geographic position of the given user. The upsell item is then offered to the given user. Illustrative self-service devices can include devices that enable the user to obtain commodities such as gasoline, cash, snacks, drinks, paper items, or the like. Further aspects of the invention project the user's future position, arrival times, and anticipated needs based on primary transaction data and further data related to the user.

    摘要翻译： 用于向给定自助服务设备的用户提供加售项目的提供的方法，以及适于实施所述方法的系统和计算机可读介质。 该方法可以包括使给定用户与给定自助服务设备之间的给定主要交易的启动，其中给定的主要交易涉及使用给定的自助服务设备获得的特定商品和/或特定服务。 确定给定用户，并且建立给定用户在发起给定主要交易时的地理位置。 使用表示给定用户的身份的数据获得与给定用户有关的第二数据元素。 至少部分地利用第二数据元素和表示给定用户的地理位置的数据来确定加售物品。 然后将加售项目提供给给定的用户。 说明性的自助服务设备可以包括能够使用户获得诸如汽油，现金，零食，饮料，纸制品等商品的装置。 本发明的其他方面基于主交易数据和与用户相关的进一步数据来预测用户的未来位置，到达时间和预期需求。

    System, Method, and Computer Readable Medium for Management of an Electronic Calendar
    10.
    发明申请
    System, Method, and Computer Readable Medium for Management of an Electronic Calendar 审中-公开
    系统，方法和计算机可读介质，用于管理电子日历

    公开(公告)号：US20110320234A1

    公开(公告)日：2011-12-29

    申请号：US12822259

    申请日：2010-06-24

    申请人： David C. Mussman

    发明人： David C. Mussman

    IPC分类号： G06Q10/00 ,  G06F17/30

    CPC分类号： G06Q10/109 ,  G06Q10/1095

    摘要： A system, method, and computer readable medium for providing management of electronic calendar appointments are provided. A database stores records of scheduled appointments of one or more users. The scheduled appointments may be displayed in a calendar view that includes scheduled appointments of the one or more users. A user may designate scheduled appointments associated with the user as private. The calendar system may then hide the scheduled appointments designated as private such that the private appointments are not displayed for view by other users. In another embodiment, a user may select multiple days for printing of scheduled events. In still another embodiment, a user may specify an interval for searching for a period of consecutive days during which the user does not have any scheduled appointments.

    摘要翻译： 提供了一种用于提供电子日历约会管理的系统，方法和计算机可读介质。 数据库存储一个或多个用户的计划约会的记录。 计划约会可能会显示在包含一个或多个用户的计划约会的日历视图中。 用户可以将与用户相关联的计划约会指定为私有的。 然后，日历系统可以隐藏指定为私人的预约约会，使得私人约会不被其他用户显示以供观看。 在另一个实施例中，用户可以选择多天来打印预定事件。 在另一个实施例中，用户可以指定用于搜索用户没有任何预约约会的连续天数的间隔。