专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

41. 发明申请

US20120193434A1 MOBILE WALLET WITH MANAGED ACTIVE AND PASSIVE PAYMENT TECHNOLOGY 有权
标题翻译：移动电子钱包与管理的主动和被动付款技术
公开(公告)号：US20120193434A1
公开(公告)日：2012-08-02
申请号：US13018275
申请日：2011-01-31
申请人： David M. Grigg , Marc B. Keller
发明人： David M. Grigg , Marc B. Keller
IPC分类号： G06K19/073
CPC分类号： G06Q20/227 , G06Q20/3278 , G06Q20/347 , G06Q20/352 , G06Q20/3572
摘要： Embodiments of the invention are directed to apparatus, methods, and computer program products for allowing a user to make a payment at a payment terminal via a mobile device regardless of whether a power source in a mobile device is present or active. An active module of a mobile device enables a user to make a contactless payment via a mobile device when a power source in a mobile device is present and active. A passive module of a mobile device enables a user to make a contactless payment via a mobile device when a power source in a mobile device is either not present or not active. The passive module is configured to receive power from an electromagnetic field generated by a payment terminal. The mobile device is configured to manage the active and passive payment technologies by automatically activating the passive payment technology when a power source in the mobile device is not present or active.
摘要翻译：本发明的实施例涉及用于允许用户经由移动设备在支付终端上进行支付的设备，方法和计算机程序产品，而不管移动设备中的电源是存在还是活动的。当移动设备中的电源存在且活跃时，移动设备的活动模块使得用户能够经由移动设备进行非接触式支付。当移动设备中的电源不存在或不活动时，移动设备的被动模块使得用户能够经由移动设备进行非接触式支付。被动模块被配置为从由支付终端产生的电磁场接收功率。移动设备被配置为当移动设备中的电源不存在或不活动时，通过自动激活被动支付技术来管理主动和被动支付技术。

42. 发明授权

US08972286B2 Transaction authorization system for a mobile commerce device 有权
标题翻译：移动商务设备的交易授权系统
公开(公告)号：US08972286B2
公开(公告)日：2015-03-03
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： G06Q30/00 , G06Q20/32 , G06Q20/20 , H04M1/725
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。

43. 发明授权

US08965790B2 Readable indicia for fuel purchase 有权
标题翻译：燃料购买的可读指示
公开(公告)号：US08965790B2
公开(公告)日：2015-02-24
申请号：US13562623
申请日：2012-07-31
申请人： David M. Grigg , Glenn Grossman , Matthew A. Calman , Laura Corinne Bondesen , Alicia C. Jones , Peter John Bertanzetti
发明人： David M. Grigg , Glenn Grossman , Matthew A. Calman , Laura Corinne Bondesen , Alicia C. Jones , Peter John Bertanzetti
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/20 , G06Q20/204 , G06Q20/3276 , G06Q30/02 , G07F13/025
摘要： Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station. An exemplary apparatus is configured to: initiate a fuel purchase application; determine identification information associated with a fuel pump that will be used for fueling the vehicle; and transmit a purchase authorization request to an external server based on the identification information.
摘要翻译：本发明的实施例涉及从燃料站购买车辆的燃料。示例性装置被配置为：启动燃料购买应用; 确定与将用于为车辆加油的燃料泵相关联的识别信息; 并根据识别信息向外部服务器发送购买授权请求。

44. 发明授权

US08925804B2 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标记
公开(公告)号：US08925804B2
公开(公告)日：2015-01-06
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： G06K5/00
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。

45. 发明授权

US08666895B2 Single action mobile transaction device 有权
标题翻译：单一动作移动交易设备
公开(公告)号：US08666895B2
公开(公告)日：2014-03-04
申请号：US13401117
申请日：2012-02-21
申请人： David M. Grigg , John Franklin Tuders , Peter John Bertanzetti , Tony England
发明人： David M. Grigg , John Franklin Tuders , Peter John Bertanzetti , Tony England
IPC分类号： G06Q20/40
CPC分类号： G06Q20/3221 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/36 , G06Q20/40 , G06Q20/40145
摘要： Embodiments of the invention allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a minimum number of inputs, such as a single input. Some embodiments of the invention provide an apparatus comprising an input device configured to receive input from a user, a communication device configured to transmit wireless signals to a transaction device, a memory comprising predetermined payment information stored therein and a processor communicably coupled to the input device, the communication device and the memory and configured to: receive transaction information from the transaction device related to a transaction; receive a first input from the user; determine if the first input matches a user defined action stored in memory, and use the communication device to wirelessly transmit the predetermined payment information and authorize payment if the first input matches the user defined action stored in memory.
摘要翻译：本发明的实施例允许用户仅仅执行最少数量的输入（例如单个输入）将支付信息从移动设备无线地传送到销售点终端。本发明的一些实施例提供一种装置，其包括被配置为从用户接收输入的输入设备，被配置为向交易设备发送无线信号的通信设备，包含存储在其中的预定支付信息的存储器和可通信地耦合到输入设备的处理器所述通信设备和所述存储器被配置为：从所述交易设备接收与交易相关的交易信息; 从用户接收第一个输入; 确定第一输入是否匹配存储在存储器中的用户定义的操作，并且如果第一输入与存储在存储器中的用户定义的动作相匹配，则使用通信设备无线地传送预定支付信息并授权支付。

46. 发明申请

US20140052461A1 READABLE INDICIA FOR INSURANCE PAYMENT 审中-公开
标题翻译：可查阅的保险支付指标
公开(公告)号：US20140052461A1
公开(公告)日：2014-02-20
申请号：US13589904
申请日：2012-08-20
申请人： Glenn Grossman , Laura Corinne Bondesen , Matthew A. Calman , David M. Grigg
发明人： Glenn Grossman , Laura Corinne Bondesen , Matthew A. Calman , David M. Grigg
IPC分类号： G06Q40/08 , G06Q50/22
CPC分类号： G06Q30/0601 , G06Q20/20
摘要： Embodiments of the invention include systems, methods, and computer-program products for providing a readable indicia for insurance payments. The system may provide a readable indicia on a statement from a treatment provider, such as a medical treatment provider, where the user's insurance may have covered a portion of the treatment price. The readable indicia may provide the user with itemized treatments received and payment methods for each. Furthermore, the system may provide the user with information associated with his/her insurance policy. The itemized treatments received may indicate the treatments that the user received from the medical provider during the visit, such as exams, tests, and the like. Payment methods for each include an amount, if any, that an insurance company may have contributed and/or the amount due from the user for the treatment.
摘要翻译：本发明的实施例包括用于提供用于保险支付的可读标记的系统，方法和计算机程序产品。系统可以提供来自治疗提供者（例如医疗提供者）的声明的可读标记，其中用户的保险可能已经覆盖了治疗价格的一部分。可读标记可以向用户提供收到的逐项处理和每种付款方式。此外，系统可以向用户提供与他/她的保险单相关联的信息。收到的逐项治疗可以指示用户在访问期间从医疗机构接收的治疗，例如检查，测试等。每种支付方式包括保险公司可能已经出资的金额（如果有的话）和/或用户应付的待处理金额。

47. 发明申请

US20140046844A1 Transaction Security Using Location Authentication 审中-公开
标题翻译：使用位置认证的事务安全
公开(公告)号：US20140046844A1
公开(公告)日：2014-02-13
申请号：US13568592
申请日：2012-08-07
申请人： David M. Grigg
发明人： David M. Grigg
IPC分类号： G06Q20/40
CPC分类号： G06Q20/20 , G06Q20/382 , G06Q20/4016
摘要： In certain embodiments, an method includes receiving an authorization request for a proposed transaction between a consumer and a retailer, the authorization request including transaction information associated with the proposed transaction. The method further includes accessing authentication information for the consumer and determining, based on the transaction information and the accessed authentication information, a risk score for the proposed transaction. The method further includes determining whether to grant the authorization request based on the determined risk score.
摘要翻译：在某些实施例中，一种方法包括接收对消费者和零售商之间的建议交易的授权请求，所述授权请求包括与所提议的交易相关联的交易信息。该方法还包括访问用户的认证信息，并且基于交易信息和所访问的认证信息来确定所提出的交易的风险分数。该方法还包括基于所确定的风险分数确定是否授予授权请求。

48. 发明申请

US20140006259A1 SYSTEM FOR ITEM LEVEL PAYMENT VEHICLE SUGGESTION 审中-公开
标题翻译：用于物品水平支付车辆建议的系统
公开(公告)号：US20140006259A1
公开(公告)日：2014-01-02
申请号：US13536466
申请日：2012-06-28
申请人： David M. Grigg , Matthew A. Calman , Susan Smith Thomas , Elizabeth S. Votaw , Alicia C. Jones , Peter John Bertanzetti
发明人： David M. Grigg , Matthew A. Calman , Susan Smith Thomas , Elizabeth S. Votaw , Alicia C. Jones , Peter John Bertanzetti
IPC分类号： G06Q20/22
CPC分类号： G06Q30/06 , G06Q10/10 , G06Q20/36 , G06Q30/0278
摘要： Embodiments of the present invention allow a user to use multiple different payment vehicles in a single transaction to purchase a variety of different items wherein the different payment vehicles are chosen because of favorable payment terms associated with a category assigned to the item by receiving information about a transaction, assigning the items in the transaction to at least one category, determining a payment vehicle to use in completing the transaction for each item and using the communication device to transmit to the transaction device the information related to the payment vehicles determined for use in completing the transaction for each item.
摘要翻译：本发明的实施例允许用户在单个事务中使用多个不同的支付车辆来购买各种不同的项目，其中由于通过接收关于所述项目的信息而与分配给该项目的类别相关联的有利的支付条款来选择不同的支付车辆交易，将交易中的项目分配给至少一个类别，确定用于完成每个项目的交易的支付车辆，并且使用通信设备向交易设备发送与确定用于完成的支付车辆相关的信息每个项目的交易。

49. 发明申请

US20140006224A1 SYSTEM FOR PRE-PROCESSING SALES RETURNS 有权
标题翻译：用于预处理销售退货的系统
公开(公告)号：US20140006224A1
公开(公告)日：2014-01-02
申请号：US13536864
申请日：2012-06-28
申请人： David M. Grigg , Susan Smith Thomas , Peter John Bertanzetti , Matthew A. Calman
发明人： David M. Grigg , Susan Smith Thomas , Peter John Bertanzetti , Matthew A. Calman
IPC分类号： G06Q10/00 , G06Q10/08
CPC分类号： G06Q10/0837 , G06Q20/12 , G06Q20/203 , G06Q20/204 , G06Q20/3223 , G06Q20/3274 , G06Q20/3276 , G06Q30/00 , G06Q30/016 , G06Q30/06 , G06Q30/0601
摘要： Systems, methods, and computer program products are provided for pre-processing a sales return. The system may initiate a sales return transaction prior to a customer being physically present at a merchant store. To this extent, the system is also capable of transmitting sales return information to a merchant such that the consumer's presence is not necessary in order to process a sales return transaction. Merchants and Consumers may use QR codes to both process payments for sales transactions and initiate sales return transactions.
摘要翻译：提供系统，方法和计算机程序产品用于预处理销售退货。系统可以在客户实际存在于商店之前发起销售回报交易。在这种程度上，该系统还能够向商家传送销售退货信息，以便为了处理销售退货交易而不需要消费者的存在。商家和消费者可以使用QR码来处理销售交易的付款并启动销售退货交易。

50. 发明申请

US20130173456A1 PRESENTATION OF MOBILE PAYMENT TRANSACTIONHISTORY ON A MOBILE COMMUNICATION DEVICE 审中-公开
标题翻译：移动通信设备上的移动支付交易历史的介绍
公开(公告)号：US20130173456A1
公开(公告)日：2013-07-04
申请号：US13342082
申请日：2012-01-01
申请人： David M. Grigg , John Franklin Tuders , Peter John Bertanzetti , Tony England
发明人： David M. Grigg , John Franklin Tuders , Peter John Bertanzetti , Tony England
IPC分类号： G06Q40/00
CPC分类号： G06Q20/3221 , G06Q40/00
摘要： Embodiments of the present invention relate to systems, apparatus, methods and computer program products for providing users/customers instantaneous access to mobile payment transaction history data. As such the mobile payment user can track mobile payment spending and budget accordingly. In addition, embodiments provide for the user to search transaction history to identify specific mobile payment transactions for the purpose of identifying when, where and the amount of a prior mobile payment transaction. Moreover, the user is provided the ability to verify that no unauthorized transactions occurred in the event that the user re-acquires possession of a mobile payment device that was previously lost, misappropriated or misplaced, or, if unauthorized transactions did occur, the ability to quickly identify the location and amount of such unauthorized transactions.
摘要翻译：本发明的实施例涉及用于向用户/客户提供对移动支付交易历史数据的即时访问的系统，装置，方法和计算机程序产品。因此，移动支付用户可以相应地跟踪移动支付支出和预算。此外，实施例提供用户搜索交易历史以识别特定的移动支付交易，以便识别先前的移动支付交易的何时，何地和数量。此外，用户被提供了在用户重新获取先前丢失，被盗用或放错位置的移动支付设备的拥有的情况下，或者如果未经授权的交易确实发生的情况下，用户可以验证没有未经授权的交易发生的能力快速识别这种未经授权的交易的位置和数量。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式