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公开(公告)号：US08577764B2
公开(公告)日：2013-11-05
申请号：US12494836
申请日：2009-06-30
申请人： Scott A. Weigman , Georgiana L. Gormley , Timothy J. Bendel , Melanie Lynn Alexander , Manoj Govindan , Todd J. Worrall , Deborah F. Wire
发明人： Scott A. Weigman , Georgiana L. Gormley , Timothy J. Bendel , Melanie Lynn Alexander , Manoj Govindan , Todd J. Worrall , Deborah F. Wire
IPC分类号： G06Q40/00
CPC分类号： G06Q90/00 , G06Q10/06375 , G06Q40/06 , G06Q40/08 , G06Q50/01
摘要： Goal insurance is provided as a purchasable option to users who wish to have a goal tracking system monitor and enforce their goals. The user may define the goal, a reward to be given upon successful completion of the goal and penalties to be applied if the goal is not met. To avoid penalties, the user may purchase goal insurance that may be used or apply under specified circumstances. Such circumstances may include death, illness, unemployment or the like. Goal information and progress may be monitored by the goal tracking system and may further be published to one or more sites. Other users may contribute to the user's reward or send encouraging remarks. If the user does not purchase goal insurance, the predefined penalties may be applied upon expiration of a goal time period if the user has not achieved their goal.
摘要翻译： 目标保险是为希望进行目标跟踪系统监控和执行目标的用户提供的可购买选项。 用户可以定义目标，成功完成目标后给予奖励，如果目标不符合要求，则应用惩罚。 为避免处罚，用户可以购买在特定情况下可能使用或适用的目标保险。 这种情况可能包括死亡，疾病，失业等。 目标信息和进度可以由目标跟踪系统监控，并可以进一步发布到一个或多个站点。 其他用户可能会对用户的奖励或发送鼓励言论作出贡献。 如果用户没有购买目标保险，则如果用户没有达到目标，则可以在目标时间段到期时应用预定义的惩罚。
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公开(公告)号：US20100332243A1
公开(公告)日：2010-12-30
申请号：US12494836
申请日：2009-06-30
申请人： Scott A. Weigman , Georgiana L. Gormley , Timothy J. Bendel , Melanie Lynn Alexander , Manoj Govindan , Todd J. Worrall , Deborah F. Wire
发明人： Scott A. Weigman , Georgiana L. Gormley , Timothy J. Bendel , Melanie Lynn Alexander , Manoj Govindan , Todd J. Worrall , Deborah F. Wire
CPC分类号： G06Q90/00 , G06Q10/06375 , G06Q40/06 , G06Q40/08 , G06Q50/01
摘要： Goal insurance is provided as a purchasable option to users who wish to have a goal tracking system monitor and enforce their goals. The user may define the goal, a reward to be given upon successful completion of the goal and penalties to be applied if the goal is not met. To avoid penalties, the user may purchase goal insurance that may be used or apply under specified circumstances. Such circumstances may include death, illness, unemployment or the like. Goal information and progress may be monitored by the goal tracking system and may further be published to one or more sites. Other users may contribute to the user's reward or send encouraging remarks. If the user does not purchase goal insurance, the predefined penalties may be applied upon expiration of a goal time period if the user has not achieved their goal.
摘要翻译： 目标保险是为希望进行目标跟踪系统监控和执行目标的用户提供的可购买选项。 用户可以定义目标，在目标成功完成时给予奖励，如果不符合目标，则应用惩罚。 为避免处罚，用户可以购买在特定情况下可能使用或适用的目标保险。 这种情况可能包括死亡，疾病，失业等。 目标信息和进度可以由目标跟踪系统监控，并可以进一步发布到一个或多个站点。 其他用户可能会对用户的奖励或发送鼓励言论作出贡献。 如果用户没有购买目标保险，则如果用户没有达到目标，则可以在目标时间段到期时应用预定义的惩罚。
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公开(公告)号：US20130018787A1
公开(公告)日：2013-01-17
申请号：US13215880
申请日：2011-08-23
IPC分类号： G06Q40/00
CPC分类号： G06Q20/1085 , G06Q20/40 , G06Q40/02
摘要： System, method, and computer program product are provided for a user to send and receive P2P payments using an ATM machine. Through the use of an ATM, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities from the ATM using those accounts. In this way, the user may ensure a secure payment to a third-party through the network associated with the financial institution and ATM. The payments may be directed to individuals the user may input into the system or to pre-established entities. This invention allows a user to receive and provide payments for any type of transaction utilizing the security, accuracy, and convenience provided to the user by an ATM.
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公开(公告)号：US20140081780A1
公开(公告)日：2014-03-20
申请号：US13619145
申请日：2012-09-14
摘要： Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered utilizing central control over network of brick and mortar stores. The transaction cost may be recovered during a selected time. The transaction cost may be recovered from a selected region within a geographic area during the selected time. Apparatus may include an application that allows a selection of a time and geographic region for recovery of the transaction cost.
摘要翻译： 提供了用于恢复与客户和商家之间的交易相关的交易成本的方法和装置。 交易成本可以通过对实体店铺网络的中央控制来恢复。 交易成本可以在选定的时间内恢复。 可以在所选择的时间内从地理区域内的选定区域恢复交易成本。 设备可以包括允许选择时间和地理区域以用于恢复交易成本的应用。
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公开(公告)号：US09087330B2
公开(公告)日：2015-07-21
申请号：US13619015
申请日：2012-09-14
CPC分类号： G06Q20/401 , G06Q20/204
摘要： Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a selected region within a geographic area. The selected region may be a customer location. The selected region may be a merchant location. The selected region may be any suitable region. The transaction cost may be recovered utilizing central control over network of merchant locations. The transaction cost may be recovered during a selected time. Apparatus may include an application that allows a selection of a time and/or geographic region for recovery of the transaction cost.
摘要翻译： 提供了用于恢复与客户和商家之间的交易相关的交易成本的方法和装置。 可以从地理区域内的选定区域恢复交易成本。 所选区域可以是客户位置。 所选择的区域可以是商家位置。 所选择的区域可以是任何合适的区域。 可以通过对商家地点的网络进行中央控制来恢复交易成本。 交易成本可以在选定的时间内恢复。 设备可以包括允许选择时间和/或地理区域以用于恢复交易成本的应用。
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公开(公告)号：US20140081779A1
公开(公告)日：2014-03-20
申请号：US13619015
申请日：2012-09-14
CPC分类号： G06Q20/401 , G06Q20/204
摘要： Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a selected region within a geographic area. The selected region may be a customer location. The selected region may be a merchant location. The selected region may be any suitable region. The transaction cost may be recovered utilizing central control over network of merchant locations. The transaction cost may be recovered during a selected time. Apparatus may include an application that allows a selection of a time and/or geographic region for recovery of the transaction cost.
摘要翻译： 提供了用于恢复与客户和商家之间的交易相关的交易成本的方法和装置。 可以从地理区域内的选定区域恢复交易成本。 所选区域可以是客户位置。 所选择的区域可以是商家位置。 所选择的区域可以是任何合适的区域。 可以通过对商家地点的网络进行中央控制来恢复交易成本。 交易成本可以在选定的时间内恢复。 设备可以包括允许选择时间和/或地理区域以用于恢复交易成本的应用。
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