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    • 33. 发明申请
    • SYSTEM AND METHOD FOR PROCESSING CONSUMER TRANSACTIONS USING A CENTRAL SERVER AND A MOBILE PROCESSOR
    • 使用中央服务器和移动处理器处理消费者交易的系统和方法
    • US20110071924A1
    • 2011-03-24
    • US12562240
    • 2009-09-18
    • John G. DESMONDRobert A. AugelliThomas J. NiglioDouglas B. QuineThomas J. Foth
    • John G. DESMONDRobert A. AugelliThomas J. NiglioDouglas B. QuineThomas J. Foth
    • G06Q30/00G06F17/30
    • G06Q20/32G06Q20/322G06Q20/3274G06Q30/02G06Q30/0641
    • A system and method for obtaining an item includes retrieving consolidated data concerning an item from a provider infrastructure, the consolidated data including data elements from a source of the item and data elements concerning a mobile user of the provider infrastructure. Verifiable authorization is retrieved from the provider infrastructure for the mobile user of the provider infrastructure to obtain the item from the source of said item consistent with the consolidated data. The consolidated data may have various data elements specific to the source of the items such as price offers, rebates, incentives and discounts and location of the item and various data elements specific to the mobile user such as gift certificates, loyalty programs, buyers' group participation and location of the mobile user in relation to the specific source. The verifiable authorization from said provider infrastructure is displayed on a device for said mobile user of said provider infrastructure to obtain the item from the source of the item consistent with the consolidated data. If a purchase decision is made, the system and method for obtaining an item may also include retrieving payment verification from the provider infrastructure for the item from the source of the item. This payment verification is consistent with the consolidated data and by a preselected method of payment by the mobile user of the provider infrastructure. The provider infrastructure is updated with data related to the mobile user of the provider infrastructure and the source of the item.
    • 用于获得项目的系统和方法包括从提供商基础设施检索关于项目的综合数据,所述综合数据包括来自所述项目的源的数据元素和关于所述提供商基础设施的移动用户的数据元素。 从提供商基础设施中检索提供商基础设施的可验证授权,以从与合并数据一致的所述项目的来源获取项目。 合并数据可能具有特定于项目来源的各种数据元素,例如价格优惠,折扣,奖励和折扣以及项目的位置以及移动用户特有的各种数据元素,例如礼券,忠诚度计划,买方组 移动用户与具体来源的参与和位置。 来自所述提供商基础设施的可验证授权被显示在所述提供商基础设施的所述移动用户的设备上,以从与合并数据一致的项目的源获得该项目。 如果进行购买决定,则用于获得物品的系统和方法还可以包括从物品来源的物品的提供者基础设施中检索支付验证。 此付款验证与合并数据和提供商基础设施的移动用户的预选付款方法一致。 提供商基础设施更新与提供商基础设施的移动用户和项目的源相关的数据。
    • 35. 发明申请
    • DATABASE UPDATE METHOD
    • 数据库更新方法
    • US20090144513A1
    • 2009-06-04
    • US11949188
    • 2007-12-03
    • Jeffrey D. PierceThomas J. Foth
    • Jeffrey D. PierceThomas J. Foth
    • G06F12/00G06F17/30
    • G06F16/2379
    • According to some embodiments a system and a method are provided to storing a plurality of data, the data comprising a plurality of original data elements and corresponding modified data elements. The plurality of original data elements may be automatically compared against editable field data in one or more editable fields that are displayed on a display screen by an application program. A determination may be made if the editable field data will be replaced and the editable field data may be replaced with the corresponding modified data elements if a determination is made to replace the editable field data.
    • 根据一些实施例,提供了一种系统和方法来存储多个数据,所述数据包括多个原始数据元素和相应的修改数据元素。 多个原始数据元素可以自动地与应用程序在显示屏上显示的一个或多个可编辑字段中的可编辑字段数据进行比较。 如果确定可替换的可编辑字段数据,则可以确定可编辑字段数据将被替换,并且可编辑字段数据可以被对应的修改数据元素替换。
    • 37. 发明申请
    • Image based positive pay checking system
    • 基于图像的积极薪酬检查系统
    • US20070271183A1
    • 2007-11-22
    • US11641249
    • 2006-12-19
    • Thomas J. Foth
    • Thomas J. Foth
    • G06Q40/00
    • G06Q20/0425G06Q20/04G06Q20/042G06Q20/10G06Q20/102G06Q20/105G06Q20/108G06Q20/1085G06Q20/40G06Q20/403G06Q40/00G06Q40/025
    • A method of processing a check issued by a payor includes creating a check image at a payor location, obtaining positive pay data from the image at the payor location using OCR and transmitting the positive pay data to a payor bank of the payor. Alternatively, the positive pay data may be generated by the payor bank from the check image received from the payor. The positive pay data includes at least a name of a payee of the check and a payment dollar amount of the check, but may also include one or more of a date of the check, a serial number of the check, and an account number of the account on which the check is drawn. The positive pay data is stored by the payor bank and used to detect potential fraud when the check is later presented to the bank for payment.
    • 处理由支付者发行的支票的方法包括在付款人位置创建支票图像,使用OCR从付款人位置的图像获得正支付数据,并将正支付数据发送给付款人的付款人银行。 或者,正付费数据可以由付款人银行从从付款人接收的支票图像生成。 积极的工资数据至少包括支票的收款人的姓名和支票的支付金额,但也可以包括支票的日期,支票的序号和帐号的一个或多个 勾画支票的帐户。 积极的报酬数据由付款人银行存储,用于在支票稍后提交给银行付款时用于检测潜在的欺诈。
    • 40. 发明授权
    • Method and system for secure delivery and retrieval of documents utilizing a facsimile machine
    • 使用传真机安全传送和检索文件的方法和系统
    • US07072473B2
    • 2006-07-04
    • US09904395
    • 2001-07-12
    • Thomas J. Foth
    • Thomas J. Foth
    • H04N1/44H04L15/34H04K1/00
    • H04N1/4486H04N1/4406H04N1/4426
    • A system and method for providing secure, on-demand delivery and retrieval of documents, messages and the like utilizing an adaptor coupled to a facsimile machine. An adaptor is coupled between a facsimile machine and a telephone line. A mobile device communicates with the adaptor to allow a user to log onto a document delivery system, via the telephone line, and select a document, message or the like to be printed. The telephone number of the facsimile machine is provided to the data center by the adaptor or mobile device, and the data center then sends the selected documents to the facsimile machine through the adaptor. Alternatively, the data center can encrypt the documents before sending, and a key is used by the adaptor to decrypt the documents prior to sending to the facsimile machine.
    • 使用耦合到传真机的适配器来提供文件,消息等的安全,按需传送和检索的系统和方法。 适配器耦合在传真机和电话线之间。 移动设备与适配器通信,以允许用户经由电话线登录到文档传送系统,并且选择要打印的文档,消息等。 传真机的电话号码由适配器或移动设备提供给数据中心,然后数据中心通过适配器将所选文件发送到传真机。 或者,数据中心可以在发送之前加密文档,并且在发送到传真机之前,适配器使用密钥来解密文档。