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51. 发明申请

US20130046692A1 FRAUD PROTECTION WITH USER LOCATION VERIFICATION 审中-公开
标题翻译：用户位置验证的FRAUD保护
公开(公告)号：US20130046692A1
公开(公告)日：2013-02-21
申请号：US13213696
申请日：2011-08-19
申请人： David M. Grigg , Matthew A. Calman , Marc Warshawsky , Raja Bose
发明人： David M. Grigg , Matthew A. Calman , Marc Warshawsky , Raja Bose
IPC分类号： G06Q40/00
CPC分类号： G06Q20/3224 , G06Q20/4016 , G06Q40/00
摘要： Embodiments of the invention provide fraud protection with user location verification. The methods, apparatus and computer program products provide for approving a transaction based at least partially on a determining that a mobile device associated with an account holder associated with a transaction is located within a predetermined distance from the location associated with the transaction. In some example implementations where the mobile device is located outside the predetermined distance from the location associated with the transaction, information associated with previously approved transactions is received and the transaction approved based at least partially on a determination that previously approved transaction have occurred at the same location.
摘要翻译：本发明的实施例通过用户位置验证提供欺诈保护。所述方法，装置和计算机程序产品至少部分地基于确定与与交易相关联的账户持有者相关联的移动设备位于距离与交易相关联的位置在预定距离内的情况下，批准交易。在移动设备位于与交易相关联的位置之外的预定距离之外的一些示例实施方式中，接收与之前批准的交易相关联的信息，并且至少部分地基于事先批准的交易已经发生在同一事件的确定位置。

52. 发明申请

US20130046645A1 SYSTEM AND METHOD FOR POINT OF TRANSACTION AUTHENTICATION 审中-公开
标题翻译：用于交易认证点的系统和方法
公开(公告)号：US20130046645A1
公开(公告)日：2013-02-21
申请号：US13211010
申请日：2011-08-16
申请人： David M. Grigg , Matthew A. Calman
发明人： David M. Grigg , Matthew A. Calman
IPC分类号： G06Q30/00
CPC分类号： G06Q30/06
摘要： Embodiments of the invention provide a method a authenticating a transaction at the point of transaction. In some embodiments of the invention, the user conducts the transaction through the use of a mobile computing device that is capable of communication with a point of transaction device. In some embodiments of the invention, the user authenticates the transaction through the use of the mobile computing device. In some embodiments, a method is provided that includes: (1) receiving information associated with a transaction involving a user; (2) prompting the user to authenticate the transaction; (3) receiving authentication data from the user; and (4) sending information associated with the authentication data.
摘要翻译：本发明的实施例提供了一种在交易点认证交易的方法。在本发明的一些实施例中，用户通过使用能够与交易设备的点进行通信的移动计算设备进行交易。在本发明的一些实施例中，用户通过使用移动计算设备来认证交易。在一些实施例中，提供了一种方法，其包括：（1）接收与涉及用户的事务相关联的信息; （2）提示用户认证交易; （3）从用户接收认证数据; 和（4）发送与认证数据相关联的信息。

53. 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。

54. 发明申请

US20120197773A1 SYSTEMS AND METHODS FOR PROVIDING POSITION-BASED BUDGETING INFORMATION 审中-公开
标题翻译：用于提供基于位置的预算信息的系统和方法
公开(公告)号：US20120197773A1
公开(公告)日：2012-08-02
申请号：US13018238
申请日：2011-01-31
申请人： David M. Grigg , Elizabeth S. Votaw
发明人： David M. Grigg , Elizabeth S. Votaw
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00
摘要： Various embodiments include a position-based budgeting system that uses the location of a consumer's mobile device relative to one or more merchants to determine relevant budget information to communicate to the consumer's mobile device. For example, when the consumer and his or her mobile device approach or enter a coffee shop, a budget account name and budget information (e.g., how much has been spent for the month and how much is left in the budget) associated with coffee shop purchases is displayed on the consumer's mobile device. The system may also be configured to display gift card balances associated with a particular merchant when the consumer approaches or enters the merchant's store.
摘要翻译：各种实施例包括基于位置的预算系统，其使用消费者的移动设备相对于一个或多个商家的位置来确定与消费者的移动设备通信的相关预算信息。例如，当消费者及其移动设备接近或进入咖啡店时，与咖啡店相关联的预算帐户名称和预算信息（例如，预算中花费了多少费用以及剩余的预算）购买将显示在消费者的移动设备上。该系统还可以被配置为当消费者接近或进入商家的商店时显示与特定商家相关联的礼品卡余额。

55. 发明申请

US20120197743A1 SINGLE ACTION MOBILE TRANSACTION DEVICE 有权
标题翻译：单行动手机交易装置
公开(公告)号：US20120197743A1
公开(公告)日：2012-08-02
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 , G06Q20/20
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。

56. 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。

57. 发明授权

US09177308B2 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：US09177308B2
公开(公告)日：2015-11-03
申请号：US13562614
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 , G06Q20/20 , G06Q30/02 , G06Q20/32 , G07F13/02
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: receive pre-configured information associated with an information-providing source associated with at least one of the fuel station or a fuel pump at the fuel station; determine identification information associated with the 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 and the pre-configured 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：接收与在燃料站处的燃料站或燃料泵中的至少一个相关联的信息提供源相关联的预配置信息; 确定与将用于为车辆加油的燃料泵相关联的识别信息; 并根据所述识别信息和所述预先配置的信息向外部服务器发送购买授权请求。

58. 发明授权

US09026453B2 Readable indicia for healthcare payment codes 有权
标题翻译：医疗费用代码的可读标记
公开(公告)号：US09026453B2
公开(公告)日：2015-05-05
申请号：US13589639
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： G06Q50/22
CPC分类号： G06Q50/22 , G06F19/00
摘要： Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for healthcare codes. As such, a readable indicia may be presented at a point-of-transaction (POT) for a user to select. The system may dynamically present the readable indicia based on the user, the merchant, and the products of the transaction. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with private viewing and selecting of alternative payment methods available to the user for that transaction. Alternative payment methods may include insurance or government programs. The system may receive authorization to apply one of the alternative payment methods to the transaction. As such, the invention provides private, yet expedited transaction capabilities using alternative payment methods at a merchant POT.
摘要翻译：本发明的实施例包括用于为保健代码提供可读标记的系统，方法和计算机程序产品。因此，可以在交易点（POT）处呈现可读标记，供用户选择。系统可以基于用户，商家和交易的产品动态地呈现可读标记。用户可以用他/她的用户设备选择可读标记。一旦选择，系统可以向用户提供私人查看和选择可用于该交易的用户的替代支付方式。其他支付方式可能包括保险或政府计划。该系统可以接收授权以将交替的替代支付方式之一应用。因此，本发明使用商家POT上的替代支付方法提供私人但又快速的交易能力。

59. 发明授权

US08700527B2 Merchant bill pay 有权
标题翻译：商户票据支付
公开(公告)号：US08700527B2
公开(公告)日：2014-04-15
申请号：US13342077
申请日：2012-01-01
申请人： Mark C. Dolphin , David M. Grigg , Michael W. Upton , Darrell F. Stanfield , Darrell Johnsrud
发明人： Mark C. Dolphin , David M. Grigg , Michael W. Upton , Darrell F. Stanfield , Darrell Johnsrud
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/3223 , G06Q20/385
摘要： Embodiments of the invention are directed to systems, methods and computer program products for transmitting, via an intermediary system, a payment request from a payment requestor to a customer. In some embodiments, a method includes: (a) receiving, at an intermediary computing device, the payment request from a source system, wherein the payment request includes a payment amount and an alias associated with a payment recipient, (b) in response to receiving the payment request, determining, via a computing device processor, whether the payment recipient is a registered payment recipient based on the alias, and (c) in response to determining the payment recipient is a registered payment recipient based on the alias, communicating, via the intermediary computing device, the payment request to the payment recipient based on the payment recipient being the registered payment recipient.
摘要翻译：本发明的实施例涉及用于经由中间系统从支付请求者向客户发送支付请求的系统，方法和计算机程序产品。在一些实施例中，一种方法包括：（a）在中间计算设备处从源系统接收支付请求，其中所述支付请求包括支付金额和与支付接收者相关联的别名，（b）响应于接收所述支付请求，经由计算设备处理器确定所述支付接收者是否是基于所述别名的注册支付接收者，以及（c）响应于确定所述支付接收者是基于所述别名的注册支付接收者，通过中间计算设备，基于作为注册支付接收者的支付接收者对支付接收者的支付请求。

60. 发明申请

US20140052460A1 READABLE INDICIA FOR MEDICAL OFFICE PAYMENT 有权
标题翻译：医疗办公室付款的可读指标
公开(公告)号：US20140052460A1
公开(公告)日：2014-02-20
申请号：US13589758
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： G06Q50/22 , G06Q40/08 , G06Q20/20
CPC分类号： G06Q20/20 , G06Q20/14 , G06Q20/145 , G06Q20/3274 , G06Q20/3276 , G06Q30/0601 , G06Q50/22
摘要： Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for medical office payments. As such, a readable indicia may be presented at a point-of-transaction (POT) at a medical treatment providers for a user to select. The system may dynamically present the readable indicia based on the user, the treatments provided, and the user's insurance coverage. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with expedited viewing of itemized treatments, insurance coverage for each treatment, and amount due for each treatment, co-pay amount, an amount to be paid by the insurance company, detectable information, and a total amount the user will owe the medical treatment provider. The system may receive authorization to accept the treatment and apply a payment means to the treatment.
摘要翻译：本发明的实施例包括用于为医疗办公室支付提供可读标记的系统，方法和计算机程序产品。因此，可以在医疗处理提供商处的交易点（POT）处呈现可读标记，供用户选择。该系统可以基于用户，所提供的治疗和用户的保险范围来动态呈现可读标记。用户可以用他/她的用户设备选择可读标记。选择后，系统可以向用户提供逐项查看逐项处理，每次处理的保险范围，每次处理的应付金额，共同付款金额，保险公司要支付的金额，可检索的信息和总计医疗费用由用户承担。该系统可以接受接受治疗的授权，并对治疗应用支付手段。

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