Bertram V Burke from 2885 W Crooked Stick Ct, Lecanto, FL 34461, age 88, Phone: 2395401059

Funds Distribution System Connected With Point Of Sale Transaction
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US Patent:

6876971, Apr 5, 2005
Filed:

Jul 5, 2000
Appl. No.:

09/609777
Inventors:

Bertram V. Burke - Sea Bright NJ, US
Assignee:

Every Penny Counts, Inc. - Cape Coral FL
International Classification:

G06F017/60
US Classification:

705 1
Abstract:

An automated way for sales establishments to extend point of sale (POS) cash transactions to allow consumers to save change or transfer discretionary funds into saving or donating accounts managed by a central clearinghouse. The system includes a network composed of consumers/payors with identification cards, neutral merchants who enter data and funds into remote POS terminals, central clearinghouse that offers/process accounts, and service providers for participating consumer/account holders, i. e. nonprofit giving, travel, mutual funds, savings, ets. The network provides consumers with a seamless, convenient, and painless way to save/donate every time they spend at multiple POS counter locations.

Funds Distribution System Connected With Point Of Sale Transactions
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US Patent:

7171370, Jan 30, 2007
Filed:

Apr 1, 2005
Appl. No.:

11/098651
Inventors:

Bertram V. Burke - Sea Bright NJ, US
International Classification:

G06Q 99/00
US Classification:

705 1, 705 16, 705 17, 705 21, 705 24, 705 30, 235375, 235379, 235380
Abstract:

An automated way for sales establishments to extend point of sale (POS) cash transactions to allow consumers to save change or transfer discretionary funds into saving or donating accounts managed by a central clearinghouse. The system includes a network composed of consumer/payors with identification cards, neutral merchants who enter data and funds into remote POS terminals, central clearinghouse that offers/process accounts, and service providers for participating consumer/account holders, i. e. nonprofit giving, travel, mutual funds, savings, etc. The network provides consumers with a seamless, convenient, and painless way to save/donate every time they spend at multiple POS counter locations.

Final Sale Merchandise Card
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US Patent:

7264153, Sep 4, 2007
Filed:

Apr 14, 2004
Appl. No.:

10/823850
Inventors:

Bertram V. Burke - Monmouth Beach NJ, US
International Classification:

G06K 5/00
US Classification:

235380, 235385, 705 17, 705 22
Abstract:

A system for activating a merchandise card and account that permits a card user to initially purchase or reload cash value into a merchandise account using a card issued by an issuer such as a merchant, bank, or card association via a terminal, with or without a PIN, and have the cash value on the card immediately converted to a purchase of proxy merchandise offered by the card issuer, and at the time of account debiting allowing said cardholder to make a final selection of merchandise from the inventory of the issuing merchant. The system operates a network, on a real time or batch basis, that uses a communication system to connect point of sale terminals, remote terminals, and computers operated by card issuers, merchant headquarters, and account processors to issue cards, calculates taxes and merchant costs, converts cash to proxy merchandise, and allows cardholders at the time of debiting their account to substitute the proxy purchase for a final selection of merchandise.

Creation And Distribution Of Excess Funds, Deposits, And Payments
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US Patent:

7502758, Mar 10, 2009
Filed:

Sep 12, 2001
Appl. No.:

10/380247
Inventors:

Bertram V. Burke - Sea Bright NJ, US
Assignee:

Every Penny Counts, Inc. - Sarasota FL
International Classification:

G06Q 40/00
US Classification:

705 39, 705 35
Abstract:

Accumulating credits from financial movements to and from accounts held by a financial transactor and managed by an account manager involves initiating a roundup by periodically accessing entries in the account with an information processor to round up entries in the account, rounding up the entries in the account to obtain a total roundup amount, withdrawing the roundup amount from the account and debiting the account with the roundup amount. In one embodiment the information processor is external to and out of control of the account manager. At non-bank and bank locations send deposits and payments, in cash and/or checks, to financial institutions by using a remote input to truncate the paper checks and the cash used in the transaction.

Method And System To Create And Distribute Excess Funds From Consumer Spending Transactions
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US Patent:

7571849, Aug 11, 2009
Filed:

May 31, 2006
Appl. No.:

11/421113
Inventors:

Bertram V. Burke - Sea Bright NJ, US
International Classification:

G06F 9/00
US Classification:

235379, 235380, 705 39, 705 40
Abstract:

An improved system for consumer payors to save and donate whenever they use cash at a point of sale terminal, write a check, use an ATM machine, or use a credit or debit card. The POS system is a network composed of subscriber/payors, neutral merchant/collectors, a central clearinghouse, and provider accounts. The Rounder system is a network composed of subscriber/payors, payees, account managers, and provider services. The systems together provide subscriber/payors with a seamless way to save/donate every time they spend.

Method And System To Create And Distribute Excess Funds From Consumer Spending Transactions
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US Patent:

8025217, Sep 27, 2011
Filed:

Aug 8, 2009
Appl. No.:

12/462691
Inventors:

Bertram V. Burke - Sarasota FL, US
International Classification:

G06F 9/00
US Classification:

235379, 235380, 705 39
Abstract:

The present invention provides a system for accumulating credits from a customer account belonging to the customer and managed by an institution and placing the credits into a provider account. The system includes an information processor including a data store with data identifying the customer, the rounding determinant, the managed institution, and the account. The data store includes data authorizing the processor to access and read the customer account and further includes data to calculate rounders after receiving a plurality of payment transactions from the read customer account and to calculate an excess based on the rounders. The data store also includes data to withdraw the excess from the customer account and data to transfer the withdrawn excess to the provider account.

Creation And Distribution Of Deposits And Payments To Financial Institutions
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US Patent:

20030050889, Mar 13, 2003
Filed:

Sep 11, 2001
Appl. No.:

09/950566
Inventors:

Bertram Burke - Red Bank NJ, US
International Classification:

G06F017/60
US Classification:

705/040000
Abstract:

At non-bank and financial institution locations, account holders use remote inputs to send deposits and payments in cash and/or checks to their accounts in financial institutions. In one embodiment the remote input used at merchant point of sale locations truncates paper checks and cash at the remote terminal level.

Voucherless Rebate System
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US Patent:

20030083930, May 1, 2003
Filed:

May 18, 1999
Appl. No.:

09/314424
Inventors:

BERTRAM V. BURKE - SEA BRIGHT NJ, US
International Classification:

G06F017/60
US Classification:

705/014000
Abstract:

A purchasing system allows consumers to do their customary shopping and paying at the point of sale and simultaneously earn rebates for their favorite nonprofits. To qualify their purchases for a rebate, the shopper or nonprofit supporter provides the clerk with a transaction card that is scanned or swiped into the POS terminal (cash register). The central computer system keeps track of the amount of the purchase and the ID number. The system computes the amount of rebate and sends reports to all parties.