USOO8297502B1
`
`(12) United States Patent
`(10) Patent No.:
`US 8,297,502 B1
`
`McGhie et a].
`(45) Date of Patent:
`*Oct. 30, 2012
`
`(54) USER INTERFACE FOR THE EXCHANGE OF
`-
`NON NEGOTIABLE CREDITS FOR ENTITY
`INDEPENDENT FUNDS
`
`(76)
`
`Inventors: Sean I. McGhie, Boca Raton, FL (US);
`Brian K. Buchheit, Davie, FL (US)
`
`2,2331%: 2
`a
`a
`4,695,053 A
`4,760,527 A
`4,764,666 A
`
`ihinOhaffl et al~
`51513:;
`my et a .
`9/1987 Vazquez
`7/1988 Sidley
`8/1988 Bergeron
`(Continued)
`
`FOREIGN PATENT DOCUMENTS
`
`(
`
`) Notice.
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 0 days.
`This patent is subject to a terminal dis-
`claimer.
`(21) Appl. No.: 13/532,342
`
`(22)
`
`Filed:
`
`Jun. 25, 2012
`
`Related US. Application Data
`(63) Continuation of application No. 11/420,255, filed on
`May 25, 2006, HOW Pat. NO. 7,703,673.
`
`(51)
`
`Int. Cl.
`(2006.01)
`G06K 5/00
`(52) US. Cl.
`......... 235/380' 235/375. 235/379. 235/487
`(58) Field of Classification Search
`235/380
`235/375 379 487 486705/1 4 39’
`’
`’
`’
`’
`’
`See application file for complete search history.
`References Cited
`
`(56)
`
`US. PATENT DOCUMENTS
`3,918,716 A
`11/1975 Nonaka et al.
`4,087,660 A
`5/1978 Sedley
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`a
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`
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`
`(Continued)
`OTHER PUBLICATIONS
`Notice ofAllowance; U.S.App1. No. 13/441,365; Mailing Date Jun,
`16’ 2012
`
`(Continued)
`
`Primary Examiner 7 Edwyn Labaze
`(74) Attorney, Agent, or Firm 7 Patents on Demand P.A.;
`Brian K' BHChhelt; SCOH M' Garrett
`(57)
`ABSTRACT
`
`In one embodiment, a graphical user interface includes a
`conversion option to convert at least a subset of non-nego-
`tiable credits earned from one into entity independent funds
`in accordance with a conversion ratio. The entity independent
`funds are accepted by a commerce partner as at least partial
`payment for goods or services provided by the commerce
`partner. In absence of converting the non-negotiable credits
`into entity independent funds, the commerce partner does not
`accept the non-negotiable credits as payment for goods or
`services. Responsive to a received selection of the conversion
`Ioption, the comjifluterprglsents Wlthlél the (graphical user inter-
`ace aquantityo ava1 a eentity in epen ent un s oruse as
`payment for the goods or serv1ces prov1ded by the commerce
`partner. The quantity of available entity independent funds
`.
`.
`.
`.
`.
`.
`results from converting the subset of non-negotiable credits
`into the quantity of available entity independent funds in
`accordance With the convers10n ratio.
`
`30 Claims, 3 Drawing Sheets
`
`19.0
`
`
`
`EcommerceServer I
`
`120
`
`Conversion Agency
`S
`
`
`
`
`I130“ - UserAccount
`T
`Data Store
`— 13,
`
`
`
`
`FinancialInstitution
`9 AccountData
`
`
`E Store
`142
`
`Conversion Agency
`Account
`144
`
`II
`
`-
`
`
`— _
`
`150
`
`CustomerData
`Store
`155
`
`
`
`ASKELADDEN 1501
`
`ASKELADDEN 1501
`
`

`

`US 8,297,502 B1
`
`Page 2
`
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`
`>>>>>>>>>D>>>>>>>>>>>>>>>>m>>m>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
`
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`

`

`US 8,297,502 B1
`
`Page 3
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`
`>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
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