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31. 发明申请

US20120221475A1 MOBILE TRANSACTION DEVICE SECURITY SYSTEM 审中-公开
标题翻译：移动交易设备安全系统
公开(公告)号：US20120221475A1
公开(公告)日：2012-08-30
申请号：US13464387
申请日：2012-05-04
申请人： David M. Grigg , Patrick B. Kelly , Alicia C. Jones , Marc B. Keller
发明人： David M. Grigg , Patrick B. Kelly , Alicia C. Jones , Marc B. Keller
IPC分类号： G06Q20/40 , G06Q20/36 , G06Q20/32
CPC分类号： G06Q20/4014 , G06Q20/20 , G06Q20/325 , G06Q20/3278 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/40145
摘要： Embodiments of the invention include apparatuses, methods, and computer-program products that provide for a unique financial transaction security system. In one embodiment, the financial transaction security system receives a security protocol from a user. The security protocol includes instructions for allowing transactions without authentication and security features for the user if authentication is necessary. The system then determines that the user is conducting a transaction, evaluates the instructions, and determines whether the transaction can occur without authentication. If the user is required to authenticate his identity, the system requests input from the user, compares the input to the security feature, and determines if the user is authenticated. The user is able to customize both the instructions and the security features to provide greater control over financial transaction security.
摘要翻译：本发明的实施例包括提供独特的金融交易安全系统的装置，方法和计算机程序产品。在一个实施例中，金融交易安全系统从用户接收安全协议。安全协议包括如果需要认证，则允许用户允许没有认证和安全功能的事务的指令。系统然后确定用户正在进行交易，评估指令，并确定事务是否可以在没有验证的情况下发生。如果用户需要验证其身份，则系统请求用户的输入，将输入与安全特征进行比较，并确定用户是否被认证。用户能够自定义指令和安全功能，以更好地控制金融交易安全。

32. 发明申请

US20120197740A1 TRANSACTION AUTHORIZATION SYSTEM FOR A MOBILE COMMERCE DEVICE 有权
标题翻译：移动商业设备的交易授权系统
公开(公告)号：US20120197740A1
公开(公告)日：2012-08-02
申请号：US13017835
申请日：2011-01-31
申请人： DAVID M. GRIGG , Patrick B. Kelly , Alicia C. Jones , Marc B. Keller
发明人： DAVID M. GRIGG , Patrick B. Kelly , Alicia C. Jones , Marc B. Keller
IPC分类号： G06Q20/00 , G06Q40/00 , H04W4/00
CPC分类号： G06Q20/3278 , G06Q20/20 , H04M1/72522 , H04M1/7258
摘要： Embodiments of the invention include apparatuses and methods that allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a single action or supplying only a single input to the mobile device. For example, some embodiments of the invention allow a user to assign a default payment vehicle to a particular key or “pay now” icon of the mobile device so that activation of the particular key or icon, alone, causes the mobile device to wirelessly transmit information about the default payment vehicle. In some embodiments of the invention, a user using the single action option of the mobile device does not need to go through an authentication procedure before the mobile device transmits the default payment information. In some embodiments of the invention, if a user uses the single action option, the mobile device is configured to transmit the payment information without needing to first launch an electronic wallet software application installed on the device.
摘要翻译：本发明的实施例包括允许用户由用户仅执行单个动作或仅向移动设备提供单个输入的方式将支付信息从移动设备无线地传送到销售点终端的装置和方法。例如，本发明的一些实施例允许用户将默认支付车辆分配给移动设备的特定键或“现在付款”图标，使得单独激活特定键或图标使得移动设备无线地传输关于默认支付车辆的信息。在本发明的一些实施例中，在移动设备发送默认支付信息之前，使用移动设备的单个动作选项的用户不需要经历认证过程。在本发明的一些实施例中，如果用户使用单个动作选项，则移动设备被配置为传送支付信息而不需要首先启动安装在该设备上的电子钱包软件应用程序。

33. 发明申请

US20120196586A1 TRANSFERRING CONTENT TO A MOBILE DEVICE 有权
标题翻译：传输内容到移动设备
公开(公告)号：US20120196586A1
公开(公告)日：2012-08-02
申请号：US13018000
申请日：2011-01-31
申请人： David M. Grigg , Elizabeth S. Votaw , Alicia C. Jones , Patrick Brian Kelly , Marc B. Keller
发明人： David M. Grigg , Elizabeth S. Votaw , Alicia C. Jones , Patrick Brian Kelly , Marc B. Keller
IPC分类号： H04M3/00 , H04B5/00 , H04B7/24
CPC分类号： H04B5/0031 , H04M1/7253 , H04M2250/04
摘要： In general, apparatuses, methods and computer program products for transferring content to a mobile device are disclosed. Particularly, a system is disclosed that provides for pushing content from an external apparatus such as an automated teller machine (ATM), smart poster, contactless payment terminal, etc. to a mobile device or allowing the mobile device to pull such content from the external apparatus. The content may include one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or the like.
摘要翻译：通常，公开了用于将内容传送到移动设备的设备，方法和计算机程序产品。特别地，公开了一种系统，其提供将诸如自动柜员机（ATM），智能海报，非接触式支付终端等的外部设备的内容推送到移动设备，或允许移动设备从外部仪器。内容可以包括一个或多个优惠券，广告或优惠，图像，财务收据，帐户相关文档，重新发行的卡，新卡，预付卡等。

34. 发明授权

US08977251B2 Transferring content to a mobile device 有权
标题翻译：将内容传输到移动设备
公开(公告)号：US08977251B2
公开(公告)日：2015-03-10
申请号：US13018000
申请日：2011-01-31
申请人： David M. Grigg , Elizabeth S. Votaw , Alicia C. Jones , Patrick Brian Kelly , Marc B. Keller
发明人： David M. Grigg , Elizabeth S. Votaw , Alicia C. Jones , Patrick Brian Kelly , Marc B. Keller
IPC分类号： H04M3/00 , H04B5/00 , H04M1/725
CPC分类号： H04B5/0031 , H04M1/7253 , H04M2250/04
摘要： In general, apparatuses, methods and computer program products for transferring content to a mobile device are disclosed. Particularly, a system is disclosed that provides for pushing content from an external apparatus such as an automated teller machine (ATM), smart poster, contactless payment terminal, etc. to a mobile device or allowing the mobile device to pull such content from the external apparatus. The content may include one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or the like.
摘要翻译：通常，公开了用于将内容传送到移动设备的设备，方法和计算机程序产品。特别地，公开了一种系统，其提供将诸如自动柜员机（ATM），智能海报，非接触式支付终端等的外部设备的内容推送到移动设备，或允许移动设备从外部仪器。内容可以包括一个或多个优惠券，广告或优惠，图像，财务收据，帐户相关文档，重新发行的卡，新卡，预付卡等。

35. 发明申请

US20140048595A1 PRE-SET READABLE INDICIA FOR VENDOR USE 有权
标题翻译：用于供应商使用的预设可读指示
公开(公告)号：US20140048595A1
公开(公告)日：2014-02-20
申请号：US13586231
申请日：2012-08-15
申请人： David M. Grigg , Alicia C. Jones , Glenn Grossman , Matthew A. Calman
发明人： David M. Grigg , Alicia C. Jones , Glenn Grossman , Matthew A. Calman
IPC分类号： G06Q30/00
CPC分类号： G06Q30/00 , G06Q20/3274 , G06Q20/385 , G06Q20/401
摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention reads the pre-set readable indicia from a mobile device of the user, where the pre-set readable indicia comprises payment information, stores the read pre-set readable indicia or payment information extracted from the pre-set readable indicia, and, after connecting to a network, reconciles the transaction based on the payment information extracted from the pre-set readable indicia. In some embodiments, the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment information from the pre-set readable indicia.
摘要翻译：本发明的实施例涉及用于处理与用户相关联的预设可读标记的系统，方法和计算机程序产品。本发明从用户的移动设备读取预先设置的可读标记，其中预设可读标记包括支付信息，存储从预设可读标记中提取的读预读可读标记或支付信息，在连接到网络之后，基于从预设可读标记中提取的支付信息来协调交易。在一些实施例中，本发明从用户接收认证证书，并且使用来自预设可读标记的支付信息来认证用户来批准支付。

36. 发明申请

US20140025570A1 READABLE INDICIA FOR BILL PAYMENT 审中-公开
标题翻译：可以查收的付款单
公开(公告)号：US20140025570A1
公开(公告)日：2014-01-23
申请号：US13554036
申请日：2012-07-20
申请人： Alicia C. Jones , Matthew A. Calman , David M. Grigg
发明人： Alicia C. Jones , Matthew A. Calman , David M. Grigg
IPC分类号： G06Q20/14
CPC分类号： G06Q20/14
摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for bill payment. An exemplary system is configured to: receive information associated with readable indicia associated with a bill; and process the readable indicia to initiate one or more options to schedule payment for the bill, wherein the one or more options comprise a first option to pay the bill immediately, a second option to schedule payment of the bill at a predetermined time in the future, and a third option to establish an electronic link to the merchant in order to schedule periodic payment of the bill.
摘要翻译：本发明的实施例涉及用于处理用于账单支付的可读标记的系统，方法和计算机程序产品。示例性系统被配置为：接收与与票据相关联的可读标记相关联的信息; 并且处理可读标记以发起一个或多个选项来计划账单的支付，其中所述一个或多个选项包括立即支付账单的第一选项，在将来的预定时间计划支付账单的第二选项，以及第三种选择，以建立与商家的电子链接，以便安排定期支付账单。

37. 发明申请

US20140006149A1 NOTIFYING CUSTOMERS POST-TRANSACTION OF ALTERNATIVE PAYMENT TYPES ACCEPTED BY A MERCHANT 审中-公开
标题翻译：通知客户交易后由买方接受的替代付款类型
公开(公告)号：US20140006149A1
公开(公告)日：2014-01-02
申请号：US13536808
申请日：2012-06-28
申请人： David M. Grigg , Alicia C. Jones , Matthew A. Calman , Susan Smith Thomas
发明人： David M. Grigg , Alicia C. Jones , Matthew A. Calman , Susan Smith Thomas
IPC分类号： G06Q20/22 , G06Q30/02
CPC分类号： G06Q30/02 , G06Q20/12 , G06Q20/387
摘要： Systems, methods, and computer program products are provided provide for notifying customers, post-transaction, of additional payment types accepted by the merchant and, in some embodiments, an option to change the payment type to one of the additional payment types. As such, the present invention serves to make the customer aware of new and emerging payment types, such as specific mobile payment types, that the customer may otherwise be unaware of their acceptance by the merchant. In addition, the merchant may provide and notify the customer of benefits (e.g., discounts, rebates/cash-back or the like) for using one of the additional payment types for a future transaction, thereby, enticing the customer to use the new and emerging payment type.
摘要翻译：提供了系统，方法和计算机程序产品，用于通知客户，后交易，商家接受的额外付款类型，以及在一些实施例中，将支付类型改变为附加支付类型之一的选项。因此，本发明用于使客户了解客户可能不会意识到商家接受的新的和新兴的支付类型，例如特定的移动支付类型。此外，商家可以向用户提供并通知客户利益（例如，折扣，回扣/现金回赠等）以使用用于未来交易的附加支付类型之一，从而诱使客户使用新的和新兴支付类型。

38. 发明申请

US20130054367A1 MOBILE DOOR BUSTER OFFER TRANSMISSION BASED ON HISTORICAL TRANSACTION DATA 审中-公开
标题翻译：基于历史交易数据的移动门总线传输
公开(公告)号：US20130054367A1
公开(公告)日：2013-02-28
申请号：US13215012
申请日：2011-08-22
申请人： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw , Erik Stephen Ross
发明人： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw , Erik Stephen Ross
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0207
摘要： A method communicates one or more offers to a customer by determining a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users. The method then correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, collects a second set of data, wherein the second set of data comprises information related to historical transaction data corresponding to one or more of the plurality of users, determines to which of the plurality of users to make offers based at least in part on historical transaction data, and communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants.
摘要翻译：一种方法至少部分地基于第一组数据，通过确定多个用户中的每一个与一个或多个商家之间的距离来向客户传送一个或多个优惠，其中第一组数据包括与多个用户和多个位置，所述多个位置中的每一个对应于所述多个用户中的一个或多个。该方法然后将每个用户和一个或多个商家之间的距离与一个或多个提供相关联，其中，所述提议旨在诱使一个或多个用户前往与一个或多个商家对应的一个或多个位置，收集第二组数据，其中所述第二组数据包括与对应于所述多个用户中的一个或多个的历史交易数据相关的信息，至少部分地基于历史交易数据确定所述多个用户中的哪个用户提供报价并且至少部分地基于每个用户和一个或多个商家之间的相关距离将一个或多个优惠传达给所确定的用户。

39. 发明申请

US20120197794A1 SHARED MOBILE WALLET 审中-公开
标题翻译：共享移动电子钱包
公开(公告)号：US20120197794A1
公开(公告)日：2012-08-02
申请号：US13018235
申请日：2011-01-31
申请人： David M. Grigg , Alicia C. Jones , Marc B. Keller , Patrick Brian Kelly , Elizabeth S. Votaw
发明人： David M. Grigg , Alicia C. Jones , Marc B. Keller , Patrick Brian Kelly , Elizabeth S. Votaw
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/105 , G06Q20/108 , G06Q20/35785 , G06Q20/36 , G06Q20/3676 , G06Q20/40 , G06Q20/405
摘要： The present invention provides embodiments of a shared account system that allows a primary user to add one or more dependent users to one or more accounts of the primary user in order to control and monitor the transactions made by a dependent user using a shared payment system. The primary user can set preferences, including spending limits, specific time frames within which the dependent user can make a purchase, or restrictions on transactions made at a store or for a product. The shared payment system may be a shared mobile wallet, such as a smartphone or PDA, which allows a user to enter into transactions. The shared mobile wallet allows the dependent user to make a purchase at a store or over a network by transmitting through a connection between the shared payment system and the merchant systems used to make the transaction.
摘要翻译：本发明提供共享帐户系统的实施例，其允许主用户将一个或多个从属用户添加到主用户的一个或多个帐户，以便控制和监视由依赖用户使用共享支付系统进行的交易。主要用户可以设置首选项，包括支出限额，从属用户可以在其中进行购买的特定时间范围，或限制在商店或产品上进行的交易。共享支付系统可以是允许用户进入交易的共享移动钱包，例如智能手机或PDA。共享移动钱包允许从属用户通过在共享支付系统和用于进行交易的商家系统之间的连接进行发送，在商店或通过网络进行购买。

40. 发明授权

US08676706B2 Online check register using check imaging 有权
标题翻译：在线检查注册使用检查成像
公开(公告)号：US08676706B2
公开(公告)日：2014-03-18
申请号：US12847622
申请日：2010-07-30
申请人： Alicia C. Jones , Zhongmin Agarwal , Mark D. Zanzot
发明人： Alicia C. Jones , Zhongmin Agarwal , Mark D. Zanzot
IPC分类号： G06Q40/00
CPC分类号： G06Q20/042 , G06Q20/108 , G06Q40/02
摘要： Embodiments of the invention relate to systems, methods, and computer program products for maintaining an updated check register in connection with an online banking account of a payor that tracks pending check payments using check imaging technology. Some embodiments of the present invention provide a computer-implemented method including the following steps: receiving an image of at least a portion of a paper check, wherein the portion comprises an indication of an amount of money to be drawn on a financial account, processing the image to determine the amount, identifying the financial account, and recording the amount in connection with the financial account, wherein the recording step occurs prior to receiving any indication that the check has been presented for payment. In addition, the method may also include making the financial account with an indication of the pending payment available to be viewed by the payor.
摘要翻译：本发明的实施例涉及系统，方法和计算机程序产品，用于使用检查成像技术来跟踪使用跟踪待检查支付的付款人的在线银行帐户来维护更新的支票寄存器。本发明的一些实施例提供了一种计算机实现的方法，包括以下步骤：接收纸张支票的至少一部分的图像，其中所述部分包括要在金融账户上绘制的金额的指示，处理所述图像确定所述金额，识别所述金融账户，以及记录与所述金融账户相关的金额，其中所述记录步骤在接收到所述支票已被呈现用于支付的指示之前发生。此外，该方法还可以包括使财务帐户具有待付款的指示，以供付款人查看。

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