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415 results about "Monetary value" patented technology
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System and method for promoting commerce, including sales agent assisted commerce, in a networked economy
Owner:BEDNAREK MICHAEL DAVID
Secure auction systems
InactiveUS6055518AEasy to rebuildFinanceUser identity/authority verificationFinancial transactionMonetary value
The apparatus and method of the present invention provide secure auction service for use in a network having servers and bidding terminals. The auction service makes transactions among servers and bidding terminals subject to a distributed protocol. The distributed protocol distributes submitted bids among the multiple servers, closes a bidding period, verifies validity of monetary value of each submitted bid by utilizing said distributed protocol and determines a winning bidder.
Owner:AMERICAN TELEPHONE & TELEGRAPH CO
System and method for issuing and using a loyalty point advance
InactiveUS20070129955A1Convenient transactionFinanceBilling/invoicingLoyalty programComputer science
A system and method for spending loyalty points over a computerized network to facilitate a loyalty point transaction is disclosed. The system enables a participant of a loyalty program to accept an advance of loyalty point when a loyalty account balance is insufficient to make a desired purchase. An amount of loyalty points available as an advance to a participant is determined based on a number of criteria related to the participant, financial account activity, and loyalty account activity. The participant is allotted a predetermined length of time to earn or purchase enough loyalty points to repay the balance of advanced loyalty points. If, at the conclusion of such predetermined length of time, sufficient points have not been earned to offset the loyalty point advance, the participant is charged the currency value of each outstanding loyalty point. The participant may be assessed interest charges and / or fees at the time of the loyalty point advance, during reimbursement, or at the end of a time period for reimbursement.
Owner:AMERICAN EXPRESS TRAVEL RELATED SERVICES CO INC +1
System and method for promoting commerce, including sales agent assisted commerce, in a networked economy
InactiveUS20050251440A1Not capableImprove performanceMarket predictionsDiscounts/incentivesE-commerceMonetary value
A personal communication and electronic commerce system for use by participating users and participating merchants in connection with incentive programs in the Network Economy. The system includes a cellular communication network that includes geographically spaced base stations that are linked to a fixed communication network. Users may have personal communication devices that can be used to allow a digital message generated on the personal communication devices by placing a call through one of the base stations and memory for storing a digital value corresponding to a monetary value. The personal communication device may also be used as a cellular position locator to determine one's geographic location and, if desired, to access information from a merchant information database containing information pertaining to a plurality of participating merchants located within the geographic territory covered by the cellular communication network. The merchant information may be stored on a database that is accessible by merchants so those merchants can add, delete or alter information contained in their respective listings. An incentive system is also provided for creating incentives for participating users to encourage. This computer implemented incentive program for encouraging certain participant actions includes a first reward program under which participants may earn points for certain actions and a second reward program through which the redemption rate associated with a particular participant is adjusted in response to certain participant action. The incentive program has a wide range of applications, including transportation, financial services and computer gaming.
Owner:BEDNAREK MICHAEL D
System and method for using loyalty rewards as currency
InactiveUS8046256B2Convenient transactionFinancePayment circuitsLoyalty programFinancial transaction
The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation.
Owner:LIBERTY PEAK VENTURES LLC
Non-Subjective Valuing the computer aided calculation, appraisal and valuation of anything and anybody
InactiveUS6038554AOvercome obstaclesAccurate comparisonProduct appraisalBuying/selling/leasing transactionsComputer-aidedComputer aid
Non-Subjective Valuing ©& is a computer-assisted valuing system for discovering both an entity's actual current societal monetary value and its contemporary monetary worth specifically to the inquiring individual person, group or corporation, providing a user with such target entity's retail and wholesale prices along with its true worth and specific value to the explorer, employing as yardstick the NORM, which is the hypothetical unit in any group that is accurately calculated to be both precisely average in every one of its collectively discoverable characteristics and its price, to which NORM yardstick the present invention compares any test unit in that group on a natural, quantified point basis to obtain such precise current monetary worth of any such test unit, employing a specially conceived, designed and explained organic application of inductive statistics, accurate sampling, central tendency, and statistical inference, for calculating; drawing scientifically valid conclusions about surveying a constantly and factually representative community (such as the United States, 1999, for example), combined with certain new discoveries and unique, novel processes, as set forth herein, enabling Non-Subjective Valuing ©& instantly and conclusively to empower a prospective trader objectively to compare the contemporary monetary values of any and all competing units in or out of any probed group, regardless of such competing units' respective current prices.
Owner:VIG TOMMY
System and method for using loyalty rewards as currency
InactiveUS20120035998A1Convenient transactionPayment circuitsMarketingLoyalty programFinancial transaction
The present invention involves spending loyalty points over a computerized network to facilitate a transaction. With this system, a loyalty program participant is able to use an existing transaction card to purchase an item over a computerized network, while at the same time offsetting the cost of that transaction by converting loyalty points to a currency value credit and having the credit applied to the participant's financial transaction account. Currency credit from converted loyalty points may also be applied to stored value cards, online digital wallet accounts and the like. Further, currency credit may also be applied to other accounts to effect a gift or donation.
Owner:LIBERTY PEAK VENTURES LLC
System for card to card transfer of monetary values
InactiveUS6394343B1Less incentiveIncrease valueComplete banking machinesFinanceSmart cardData transmission
A smart card stores monetary values and selectively transfers monetary values to and receives monetary values from a compatible smart card. The smart card includes a data storage device that stores data representing monetary values. Control circuitry controls the transfer of the monetary values into the data storage device and controls the transfer of the monetary values out of the data storage device. A data transfer interface couples directly to a like interface on the compatible card to enable data to be transferred between the smart card and the compatible card. A system for electronic transfer of monetary values includes first and second smart cards. Each of the first and second smart cards includes a data storage device that stores data representing monetary values.
Owner:BERG JON N +1
Method and system for managing monetary value on a mobile device
Aspects of the present invention feature a method of managing a monetary value stored in an electronic wallet of a mobile device. These management operations include receiving an indication that the mobile device from a mobile device account of a mobile device carrier cannot be located and is either lost or stolen. Subsequently, a determination is made to see if the mobile device has an associated electronic wallet capable of storing a monetary value. Generally, the use of mobile device and access to electronic wallet is blocked in response to determination that mobile device has an associated electronic wallet. In addition, the electronic wallet can be flagged such that the electronic wallet associated with mobile device will be drained of monetary value as well as being blocked.
Owner:ENT SERVICES DEV CORP LP
Communication device
InactiveUS8639214B1Provide mobilityMore convenienceComplete banking machinesAutomatic call-answering/message-recording/conversation-recordingComputer hardwarePayment
The communication device comprising a voice communicating implementer, a payment monetary value data transmitting implementer, a remaining monetary value data updating implementer, an automated supplementary monetary value data adding implementer, and a simultaneous implementation implementer.
Owner:CORYDORAS TECH
Method and apparatus for processing checks
ActiveUS20050108168A1Reduce physical activityImprove process integrityComplete banking machinesFinanceAlgorithmCheque
A check processing system and method comprising utilizes an image scanner that produces an electronic image of a check upon scanning of the check. The system and method receive the electronic image of the check from the image scanner, receive point-of-sale data generated at a point-of-sale, determine a monetary value of the check from the electronic image of the check, and reconcile the determined monetary value of the check with the point-of-sale data so that the check is correlated with a transaction that occurred at the point-of-sale.
Owner:TALARIS HLDG
Sensor incentive method
InactiveUS20050055276A1Improve featuresImprove performanceDiscounts/incentivesSpecial data processing applicationsEngineeringMonetary value
A sensor incentive method provides a sensor adapted to function with an installed base of conventional physiological instruments. An incentive is associated with the sensor in connection with a sensor purchase. The incentive is applied to a qualified physiological instrument purchase so as to motivate or otherwise enable the upgrade or replacement of the installed base with advanced physiological instruments. The accumulation of multiple incentives may also apply to the purchase. In one embodiment, a coupon is associated with the sensor purchase, the coupon having a monetary value applicable to the purchase of advanced physiological instruments. The coupon is redeemed for the monetary value during the qualified purchase. Multiple coupons may be accumulated and redeemed for the monetary value times the number of coupons.
Owner:MASIMO CORP
Methods for encouraging charitable social networking
A method of encouraging charitable donations by individuals who are members of a social network is disclosed. A user creates a member account by supplying user identity data from the user and creates a campaign, wherein the created campaign is associated with one or more charities and a financial goal. The user sends invitation to one or more members or non-members and the one or more members or non-members may accept or decline the user's invitation. The one or more members are given the option to donate any amount of money to a charity to post comments about the user, where the monetary value of the donation is associated with the comments posted such that a higher amount donated represents a higher trustworthiness of the comments. The one or more members or non-members may support the campaign by donating money to the one or more charities to help reach the financial goal. One or more user weight values are calculated based at least on a total volume of members or non-members who support the campaign by donating money to the one or more charities and / or a total monetary value of the money donated by the one or more members or non-members, where the one or more user weight values represent reliability of a user's reputation.
Owner:STAY AWAKE INC
System and method for promoting commerce, including sales agent assisted commerce, in a networked economy
A personal communication and electronic commerce system for use by participating users and participating merchants in connection with incentive programs in the Network Economy. The system includes a cellular communication network that includes geographically spaced base stations that are linked to a fixed communication network. Users may have personal communication devices that can be used to allow a digital message generated on the personal communication devices by placing a call through one of the base stations and memory for storing a digital value corresponding to a monetary value. The personal communication device may also be used as a cellular position locator to determine one's geographic location and, if desired, to access information from a merchant information database containing information pertaining to a plurality of participating merchants located within the geographic territory covered by the cellular communication network. The merchant information may be stored on a database that is accessible by merchants so those merchants can add, delete or alter information contained in their respective listings. An incentive system is also provided for creating incentives for participating users to encourage. This computer implemented incentive program for encouraging certain participant actions includes a first reward program under which participants may earn points for certain actions and a second reward program through which the redemption rate associated with a particular participant is adjusted in response to certain participant action. The incentive program has a wide range of applications, including transportation, financial services and computer gaming.
Owner:BEDNAREK MICHAEL D
Image-enabled item processing for point of presentment application
A financial transaction processing system for use at a point of presentment includes an input receptive of an image of a physical item at least partially embodying a financial transaction, wherein the image contains a visual record of an amount of monetary value. An image recognition module is adapted to extract the amount of monetary value recorded in the image and recognize the amount using character recognition. A validation module is adapted to determine whether the transaction is valid based on a validation characteristic of an item. A balancing module is adapted to determine whether the transaction is balanced based on the amount of monetary value. An output is adapted to transmit information indicating whether the transaction is at least one of balanced and valid.
Owner:ALOGENT CORP
Self-verifying gaming voucher having secondary machine readable indicia
ActiveUS7118478B2Improve security levelAccelerated programTransmission systemsPaper-money testing devicesComputer hardwareCombined use
A gaming voucher is printed with first and second machine readable indicia. The first machine readable indicia represents a unique gaming voucher number. The monetary value of the gaming voucher and additional information about the gaming voucher is stored in a database remote from the gaming machine in association with the unique gaming voucher number. The second machine readable indicia represents the asset number of the gaming machine that produced the gaming voucher, the value of the gaming voucher, and a portion of the unique gaming voucher number. The gaming voucher is self-validating during a counting process in a count room, and thus no access to the remote database is required to initially verify the authenticity of the gaming voucher. The information encoded in the first and second machine readable indicia may also be used in conjunction with the data in the remote database during a voucher redemption process to verify the authenticity of the gaming voucher.
Owner:CAESARS LICENSE CO LLC
Safeguards against cheating and malfunctioning of gaming devices that use forms of cashless wagering
ActiveUS20050043086A1Apparatus for meter-controlled dispensingVideo gamesEngineeringProtection system
This disclosure relates to a safeguard system on networked gaming devices. The safeguard system measures how much monetary value is output by a particular gaming device, in any form. If the gaming device has delivered an amount of value that is over a threshold amount, a warning is generated. The warning could be a visual or audio warning on a central controller, or could be an audio signal transmitted to floor personnel. Embodiments of the safeguard system include timers so that the performance of the gaming device can be independently measured over one or more time periods. The safeguard system is operable with gaming devices that accept and pay only physical currency, those that accept and pay in both physical currency and electronic methods, and those that only accept and pay by electronic methods. Some embodiments are able to remotely shut down the gaming device if the device is suspected of being cheated or malfunctioning.
Owner:IGT
Instant anonymous account creation
A device and method is provided to create an anonymous account to play a wager-based game of chance on an mobile gaming device comprises obtaining a cashless ticket voucher having a unique identifier, the cashless ticket voucher having a monetary value, inputting the unique identifier into the mobile gaming device to expend the monetary value of the cashless ticket voucher, validating the unique identifier, and generating a game of chance on the mobile gaming device if the unique identifier is validated.
Owner:IGT
Front counter and back counter workflow integration
A system and method for processing financial transactions includes an input receptive of cash and a plurality of images of physical items of the transaction, wherein the images contain a visual record of the transaction data such as an amount of monetary value. A front, counter transaction processor processes the cash and a first item image and generates front counter transaction data. A back counter transaction processor processes item images of the transaction and generates back counter transaction data. A match module matches back counter transaction data to front counter transaction data. An output is adapted to transmit front counter transaction data and back counter transaction data to at least one of form fields and a temporary transaction datastore.
Owner:ALOGENT CORP
Loyalty points system and method with supplemental authorizations
The invention facilitates pooling, gifting or transferring of geographic area loyalty points between accounts. The invention also facilitates a transfer of geographic area loyalty points from a consumer account associated with a sponsoring company to a consumer account associated with a host company. The invention may also facilitate gifting of loyalty points to charitable organizations on a recurring basis, wherein the gifting may transfer any portion of geographic based points to various charities. The system may also convert the geographic area loyalty points to a monetary value, thereby allowing the points to be donated to a charity such that the donation appears to be a monetary value donation to the charity.
Owner:LIBERTY PEAK VENTURES LLC +1
System and method for exchanging loyalty points for acquisitions
Systems and methods are provided for facilitating an acquisition from a merchant, whereby payment for the acquisition is made at least partially through automated redemption of loyalty points from a loyalty account. In particular, information is received at a loyalty point exchange system from the merchant. The information may include loyalty data indicating that the acquisition was paid for using a transaction card account that is to be reimbursed using loyalty points from the loyalty account. The loyalty account is debited by an amount equal to a currency value of the acquisition and the transaction card account is credited the amount charged for the acquisition. Loyalty points may, alternatively, be used to directly pay for purchases without the steps of charging and crediting a transaction card.
Owner:LIBERTY PEAK VENTURES LLC
Investment company that issues a class of conventional shares and a class of exchange-traded shares in the same fund
An investment company is administered by issuing one or more classes of shares that are bought from and redeemed with the company at a net asset value, issuing one or more classes of shares that are listed for trading on a securities exchange and that are bought and sold at negotiated market prices, and maintaining, in one or more computers, account data ofthe outstanding shares. A shareholder may acquire exchange-traded shares by requesting conversion of a designated number or dollar value of shares belonging to the one or more classes of shares that are bought from and redeemed with the company at a net asset value for a monetarily equivalent number of shares of the one or more classes of shares which are exchange-traded shares of the company. An authorized participant may purchase exchangetraded shares directly from the investment company in exchange for a basket of securities of generally equivalent monetary value. A direct purchase requires a purchase of a predetermined number of exchange-traded shares. An investor may also purchase or sell exchange-traded shares on the secondary market through a broker. The exchange-traded shares may be issued by an open-end mutual fund, a closed-end mutual fund, or a unit investment trust.
Owner:THE VANGUARD GROUP
Systems and methods for facilitating commercial transactions between parties residing at remote locations
InactiveUS20070174189A1Increase purchase intentionConvenient transactionFinanceBuying/selling/leasing transactionsProof-of-paymentThe Internet
The present invention provides a system and method for facilitating commercial transactions involving the exchange of monetary value for goods, services, or other value between remote individuals, as in the case of transactions between users of a distributed computer network such as the Internet. Remote individuals are provided with a convenient, cost-efficient, and secure means for engaging in commercial transactions with one another. The invention provides remote sellers with an irrevocable means of receiving funds from a remote purchaser; means for improving purchaser willingness to transact with an unknown party; transaction tracking; and rapid funds availability. The invention also provides remote purchasers with means for making a secure, confidential transfer of funds; means for immediate initiation of shipment by a seller; means for releasing funds to a seller only after approval of the goods, services, or other value; means for demonstrating proof of payment; and means for having some level of recourse against a remote seller.
Owner:LIBERTY PEAK VENTURES LLC
Method and system for managing monetary value on a mobile device
Aspects of the present invention feature a method of managing a monetary value stored in an electronic wallet of a mobile device. These management operations include receiving an indication that the mobile device from a mobile device account of a mobile device carrier cannot be located and is either lost or stolen. Subsequently, a determination is made to see if the mobile device has an associated electronic wallet capable of storing a monetary value. Generally, the use of mobile device and access to electronic wallet is blocked in response to determination that mobile device has an associated electronic wallet. In addition, the electronic wallet can be flagged such that the electronic wallet associated with mobile device will be drained of monetary value as well as being blocked.
Owner:ENT SERVICES DEV CORP LP
System and process for sales, validation, rewards and delivery of prepaid debit cards
Systems and Processes allow for sales, validation, rewards and dispense of prepaid debit cards and the like, which may have multiple personalities and may be offer and market under a vast plurality of names. Said prepaid debit card is prepaid with the monetary value loaded on the card on fixed amounts or variable desired amounts, and the payment mode use of cash and / or the amount charged to another bank card (credit, debit, bank card, ATM, checks, and the like). Deliver only after a validation signal authorizes such deliver at point of sales or cash registers location at retail stores, services providers, businesses or entities, through the U.S. Postal Service, overnight facilities or by Automated Teller Machines with dispensing debit card feature. The said prepaid debit card is not linked to bank accounts or any other bank equity instrument, retailers, banks as well as other institutions, associations or entities may become issuers after been licensed.
Owner:CUERVO VINCENT
Cash dispensing method and system for merchandise delivery facility
InactiveUS6386323B1Simple methodShorten the timeService system furnitureBuilding constructionsHuman–computer interactionMonetary value
A system for providing cash to users in a merchandise delivery environment such as a fast food drive-through environment. The system includes a customer request station (212, 262, 288, 300, 322, 378) at which the customer is enabled to input a request for merchandise as well as an input corresponding to a request to receive cash. The customer is further enabled to input to the customer request station information corresponding to a source of monetary value which the customer may charge against for ordered merchandise or for the amount of cash requested. The customer may receive the cash directly at a customer request station. Alternatively, a computer may operate to correlate an identifying input associated with the customer or the transaction, and the request to receive the amount of cash. The customer may then move to a cash delivery station (216, 338). In response to the customer providing the identifying input at the cash delivery station, the customer receives a portion or all of the requested cash. The customer may then move to a merchandise delivery station (222, 292, 304, 316, 324, 342) at which the customer may receive the ordered merchandise. The customer may also receive the balance of any amount due such as coin, at the merchandise delivery station or other change delivery location.
Owner:DIEBOLD NIXDORF
Mobile system and method for exchanging point value
A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account.
Owner:FIRST DATA
Method and apparatus for issuing coupons for a gaming machine
InactiveUS6648761B1Easy to issueAvoid distributingLottery apparatusApparatus for meter-controlled dispensingEngineeringMechanical engineering
A coupon issuing apparatus for a gaming machine is provided which comprises a hopper 2 for containing a plurality of blank coupon, a conveyer means 20 for discharging a blank coupon from the hopper 2 and transporting the blank coupon along a passageway 14, and a printer 19 provided in the vicinity of the passageway 14 for printing given gaming information on the moving blank coupon to easily dispense valuable coupons at player's request by printing monetary value on the blank coupon by the printer 19.
Owner:JAPAN CASH MASCH CO LTD
System for combining and bundling commercial products, items having monetary value, business transactions, and entertainment
InactiveUS20100114783A1Payment architectureBuying/selling/leasing transactionsSingle entityMonetary value
A method for acquiring and distributing entertainment items, information representative of monetary funds, and / or commercial products, some or all which maybe combined or bundled in a single package. Goods and services are first identified. Advertising is provided for at least one commercial product. The advertising includes a predetermined code associated with the commercial product. The commercial product is sold and, upon acceptance of the predetermined code, a second commercial product or an entertainment item or a medium containing information representative of monetary funds is provided as a single entity or transaction.
Owner:SPOLAR MARGARET M
Electronic payment method and system having several calculation units and electronic payment devices
A payment system for use with electronic payment devices. Electronic payment cards (e.g. "Smart Cards"), may be used with one or more payment stations (e.g. electronic cash registers). The payment stations are designed for receiving, during a payment transaction, a monetary value by crediting, in the payment station, a first value, and debiting, in the payment means, a second value corresponding to the first value. The first and second values may be expressed in different calculation units, such as currencies of different countries. The system furthermore offers a payment device for application in such a system, and a method for effecting a payment transaction with an electronic payment means.
Owner:KONINK KPN NV
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