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71. 发明申请

US20130018785A1 MERCHANT BILL PAY 有权
标题翻译：商业帐单支付
公开(公告)号：US20130018785A1
公开(公告)日：2013-01-17
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： G06Q20/14
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。

72. 发明授权

US08195576B1 Mobile transaction device security system 有权
标题翻译：移动交易设备安全系统
公开(公告)号：US08195576B1
公开(公告)日：2012-06-05
申请号：US13017823
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
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, compares the transaction to 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，将交易与指令进行比较，并且确定事务是否可以在没有认证的情况下发生。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。

73. 发明授权

US09047595B2 Readable indicia for medical office payment 有权
标题翻译：医疗机构付款的可读标记
公开(公告)号：US09047595B2
公开(公告)日：2015-06-02
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 , G06Q20/20 , G06Q20/14 , G06Q20/32 , G06Q30/06
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，系统可以为用户提供逐项查看的逐项处理，每个处理的保险范围，每个处理的应付金额，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。

74. 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。

75. 发明授权

US08694456B2 Predicting future travel based on a user's historical financial institution transaction data and providing offers based on the predicted future travel 有权
标题翻译：根据用户的历史金融机构交易数据预测未来旅行，并根据预测的未来旅行提供优惠
公开(公告)号：US08694456B2
公开(公告)日：2014-04-08
申请号：US13213885
申请日：2011-08-19
申请人： David M. Grigg , Matthew A. Calman , Raja Bose , Erik Stephen Ross
发明人： David M. Grigg , Matthew A. Calman , Raja Bose , Erik Stephen Ross
IPC分类号： G06N5/02
CPC分类号： G06Q30/02
摘要： Methods, apparatus and computer-program products are described for providing travel-location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user.
摘要翻译：描述了用于向基于销售点（POS）交易数据确定为旅行的用户提供旅行地点商家优惠的方法，装置和计算机程序产品。本发明的实施例将POS交易的位置与用户的住所位置进行比较，并且如果交易从住所位置发生预定距离或更大的距离，则确定用户正在行驶。一旦行进确定，旅行地点商家报价被识别并传达给用户。

76. 发明申请

US20140052635A1 TIME-SENSITIVE READABLE INDICIA FOR FUNDRAISING 审中-公开
标题翻译：用于资金的敏感可读指标
公开(公告)号：US20140052635A1
公开(公告)日：2014-02-20
申请号：US13589308
申请日：2012-08-20
申请人： Glenn Grossman , Peter John Bertanzetti , Alicia C. Jones , Laura Corinne Bondesen , Matthew A. Calman , David M. Grigg
发明人： Glenn Grossman , Peter John Bertanzetti , Alicia C. Jones , Laura Corinne Bondesen , Matthew A. Calman , David M. Grigg
IPC分类号： G06Q20/40
CPC分类号： G06Q20/3276 , G06Q20/10 , G06Q30/06
摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for fundraising. An exemplary system is configured to receive information associated with readable indicia associated with a non-profit organization; and process the readable indicia to authorize a payment to the non-profit organization. The readable indicia is valid for a predetermined period. Additionally, the readable indicia enables tracking of various types of information associated with fundraising.
摘要翻译：本发明的实施例涉及用于处理用于筹款的可读标记的系统，方法和计算机程序产品。示例性系统被配置为接收与非营利组织相关联的可读标记相关联的信息; 并处理可读标记以授权向非营利组织付款。可读标记在预定时间段内有效。此外，可读标记使得能够跟踪与筹款有关的各种类型的信息。

77. 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。

78. 发明申请

US20140046854A1 READABLE INDICIA FOR ADVERTISEMENTS 审中-公开
标题翻译：广告可阅读指标
公开(公告)号：US20140046854A1
公开(公告)日：2014-02-13
申请号：US13572288
申请日：2012-08-10
申请人： Peter John Bertanzetti , David M. Grigg , Matthew A. Calman , Susan Smith Thomas
发明人： Peter John Bertanzetti , David M. Grigg , Matthew A. Calman , Susan Smith Thomas
IPC分类号： G06Q30/02 , G06Q20/00 , G06Q40/00 , G06Q20/40 , G06Q20/32
CPC分类号： G06Q30/0251 , G06Q20/12 , G06Q20/3274 , G06Q20/4014
摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing a readable indicia associated with an advertisement associated with a product. The invention decodes the readable indicia to determine product purchase information, wherein the product purchase information is associated with the product, receives authentication credentials associated with a payment account, and processes the authentication credentials to authorize a payment associated with the product purchase information. In some embodiments, the invention extracts a link from the readable indicia or a second readable indicia associated with the advertisement and initiates a user interface associated with the link. In some embodiments, the invention populates some or all the product purchase information into at least one of a user's notes, calendar or budget, and in some, the advertisement is placed proximate the product within a merchant's business.
摘要翻译：本发明的实施例涉及用于处理与与产品相关联的广告相关联的可读标记的系统，方法和计算机程序产品。本发明解码可读标记以确定产品购买信息，其中产品购买信息与产品相关联，接收与支付帐户相关联的认证证书，并且处理认证证书以授权与产品购买信息相关联的支付。在一些实施例中，本发明从可读标记或与广告相关联的第二可读标记中提取链接并发起与链接相关联的用户界面。在一些实施例中，本发明将一些或所有产品购买信息填充到用户的笔记，日历或预算中的至少一个中，并且在一些实施例中，广告被放置在商家业务内的产品附近。

79. 发明申请

US20140042218A1 GENERATING READABLE INDICIA CUSTOMIZED FOR PRODUCT INFORMATION 有权
标题翻译：自定义产品信息生成可读指数
公开(公告)号：US20140042218A1
公开(公告)日：2014-02-13
申请号：US13584325
申请日：2012-08-13
申请人： Glenn Grossman , David M. Grigg , Susan Smith Thomas , Matthew A. Calman
发明人： Glenn Grossman , David M. Grigg , Susan Smith Thomas , Matthew A. Calman
IPC分类号： G06F17/00 , G06K19/06 , G06K19/00
CPC分类号： G06Q30/02 , G06Q30/0601
摘要： Embodiments of the invention are directed to systems, methods and computer program products for collecting product information based on a navigation history of the user, the product information being associated with the product; generating a readable indicia based on the collected product information, wherein, in response to selection of the readable indicia, the readable indicia is configured to provide instructions for purchasing the product based on the collected product information; and presenting the readable indicia to the user for saving for subsequent consideration or distributing to one or more other users. In some embodiments, shipping information indicative of the user's desired destination address for the product is collected from user input and discount information is collected based on the navigation history of the user or user input. In such cases, the readable indicia may be generated based on all of the product information, the shipping information and the discount information.
摘要翻译：本发明的实施例涉及用于基于用户的导航历史收集产品信息的系统，方法和计算机程序产品，产品信息与产品相关联; 基于所收集的产品信息生成可读标记，其中响应于所述可读标记的选择，所述可读标记被配置为基于所收集的产品信息提供用于购买所述产品的指令; 以及将可读标记呈现给用户以供后续考虑或分发给一个或多个其他用户。在一些实施例中，从用户输入收集指示用户期望的目的地地址的运送信息，并且基于用户或用户输入的导航历史来收集折扣信息。在这种情况下，可以基于所有产品信息，运送信息和折扣信息来生成可读标记。

80. 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。

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