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1. 发明授权

US09031860B2 Systems and methods to aggregate demand 有权
标题翻译：统计需求的系统和方法
公开(公告)号：US09031860B2
公开(公告)日：2015-05-12
申请号：US12900440
申请日：2010-10-07
申请人： Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide , Edward W. Fordyce, III , Leigh Amaro
发明人： Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide , Edward W. Fordyce, III , Leigh Amaro
IPC分类号： G06Q30/00 , G06Q20/40 , G06Q20/10 , G06Q30/02
CPC分类号： G06Q30/02 , G06Q10/087 , G06Q20/10 , G06Q20/387 , G06Q20/40 , G06Q30/0207 , G06Q30/0215 , G06Q30/0222 , G06Q30/0231
摘要： In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.
摘要翻译：一方面，一种计算设备包括：数据仓库，用于存储将多个帐户标识符与具有预定购买要求的报价相关联的数据和用于获益的聚合购买要求; 以及配置为处理多个事务的事务处理程序。交易处理器还被配置为确定多个交易中的每一个是否满足预定义的购买要求，识别满足预定购买要求的一组交易，并且确定该组交易是否满足该利益的聚合购买要求。在一个示例中，事务处理程序被配置为当该组事务满足聚合购买要求时通过语句信用来提供收益。

2. 发明申请

US20140344153A1 MOBILE TOKENIZATION HUB 有权
标题翻译：移动协调小区
公开(公告)号：US20140344153A1
公开(公告)日：2014-11-20
申请号：US14279186
申请日：2014-05-15
申请人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
发明人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
IPC分类号： G06Q20/38 , G06Q20/32
CPC分类号： G06Q20/3821 , G06Q20/027 , G06Q20/3223 , G06Q20/385
摘要： Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.
摘要翻译：本发明的实施例涉及用于使用可以为各种上下文中的各种实体提供标记化的公共标记化能力（CTC）模块来实现移动标记集线器的系统和方法。例如，CTC模块可以提供和存储用于移动支付交易，过境交易，数字钱包应用，商业销售点（POS）应用，个性化服务等的令牌。

3. 发明申请

US20110087531A1 Systems and Methods to Aggregate Demand 有权
标题翻译：系统和方法来总结需求
公开(公告)号：US20110087531A1
公开(公告)日：2011-04-14
申请号：US12900440
申请日：2010-10-07
申请人： Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide , Edward W. Fordyce, III , Leigh Amaro
发明人： Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide , Edward W. Fordyce, III , Leigh Amaro
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q30/02 , G06Q10/087 , G06Q20/10 , G06Q20/387 , G06Q20/40 , G06Q30/0207 , G06Q30/0215 , G06Q30/0222 , G06Q30/0231
摘要： In one aspect, a computing apparatus includes: a data warehouse to store data associating a plurality of account identifiers with an offer having a predefined purchase requirement and an aggregated purchase requirement for a benefit; and a transaction handler configured to process a plurality of transactions. The transaction handler is further configured to determine whether each of the plurality of transactions satisfies a predefined purchase requirement, identify a set of transactions each satisfying the predefined purchase requirement, and determine whether the set of transactions satisfies an aggregated purchase requirement for the benefit. In one example, the transaction handler is configured to provide the benefit via statement credits when the set of transactions satisfies the aggregated purchase requirement.
摘要翻译：一方面，一种计算设备包括：数据仓库，用于存储将多个帐户标识符与具有预定购买要求的报价相关联的数据和用于获益的聚合购买要求; 以及配置为处理多个事务的事务处理程序。交易处理器还被配置为确定多个交易中的每一个是否满足预定义的购买要求，识别满足预定购买要求的一组交易，并且确定该组交易是否满足该利益的聚合购买要求。在一个示例中，事务处理程序被配置为当该组事务满足聚合购买要求时通过语句信用来提供收益。

4. 发明申请

US20080086374A1 NUTRITION MANAGEMENT AND MEAL PLANNING PROGRAM 审中-公开
标题翻译：营养管理与食物计划方案
公开(公告)号：US20080086374A1
公开(公告)日：2008-04-10
申请号：US11749672
申请日：2007-05-16
申请人： Stuart Aitken , Warren Lee , Kaushik Subramanian , Jonathan Quinn
发明人： Stuart Aitken , Warren Lee , Kaushik Subramanian , Jonathan Quinn
IPC分类号： G06Q30/00
CPC分类号： G06Q50/22 , G06F19/3475 , G06Q30/00 , G06Q30/02 , G06Q30/0226
摘要： In one embodiment, computerized systems and methods for nutritional planning are disclosed that may comprise providing a database coupled to a central terminal, storing in the database a plurality of records comprising nutritional information related to products available for purchase using a loyalty profile, and associating in the database the nutritional information with products purchased using the loyalty profile. These systems and methods may further comprise identifying deficiencies in a nutritional profile and displaying products which compensate for deficiencies.
摘要翻译：在一个实施例中，公开了用于营养计划的计算机化系统和方法，其可以包括提供耦合到中央终端的数据库，在数据库中存储多个记录，所述记录包括与使用忠诚度分布的可购买产品有关的营养信息，数据库的营养信息与使用忠诚度资料购买的产品。这些系统和方法可以进一步包括识别营养概况中的缺陷并显示补偿缺陷的产品。

5. 发明申请

US20080086373A1 NUTRITION MANAGEMENT AND MEAL PLANNING PROGRAM 审中-公开
标题翻译：营养管理与食物计划方案
公开(公告)号：US20080086373A1
公开(公告)日：2008-04-10
申请号：US11560930
申请日：2006-11-17
申请人： Stuart W. Aitken , Warren Lee , Kaushik Subramanian , Jonathan Quinn
发明人： Stuart W. Aitken , Warren Lee , Kaushik Subramanian , Jonathan Quinn
IPC分类号： G06Q30/00 , G06Q10/00 , G06F19/00
CPC分类号： G06Q30/02 , G06F19/3475 , G06Q30/0226 , G06Q50/22 , G06Q50/24
摘要： In one embodiment, the disclosed systems and methods include a computerized method for managing consumer data which includes providing a database coupled to a central terminal, storing in the database a plurality of records comprising nutritional information related to products available for purchase using a loyalty profile, associating in the database the nutritional information with products purchased using a loyalty profile, and displaying nutritional information associated with the loyalty profile.
摘要翻译：在一个实施例中，所公开的系统和方法包括用于管理消费者数据的计算机化方法，其包括提供耦合到中央终端的数据库，在数据库中存储多个记录，所述记录包括与使用忠诚度分布的可购买产品有关的营养信息，在数据库中将营养信息与使用忠诚度资料购买的产品相关联，并显示与忠诚度特征相关联的营养信息。

6. 发明授权

US09978062B2 Mobile tokenization hub 有权
公开(公告)号：US09978062B2
公开(公告)日：2018-05-22
申请号：US14279186
申请日：2014-05-15
申请人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
发明人： Thanigaivel Ashwin Raj , Christian Flurscheim , Kaushik Subramanian , Bradley Greene , Prasanna Laxminarayanan
IPC分类号： G06Q20/36 , G06Q20/38 , G06Q20/02 , G06Q20/32
CPC分类号： G06Q20/3821 , G06Q20/027 , G06Q20/3223 , G06Q20/385
摘要： Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.

7. 发明申请

US20170330185A1 SYSTEM AND METHOD FOR LOCAL DATA CONVERSION 审中-公开
公开(公告)号：US20170330185A1
公开(公告)日：2017-11-16
申请号：US15664597
申请日：2017-07-31
申请人： Justin Monk , Kaushik Subramanian , Thanigaivel Ashwin Raj
发明人： Justin Monk , Kaushik Subramanian , Thanigaivel Ashwin Raj
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/405 , G06Q20/3224 , G06Q20/385 , G06Q20/40
摘要： Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.

8. 发明申请

US20130297501A1 SYSTEM AND METHOD FOR LOCAL DATA CONVERSION 审中-公开
标题翻译：用于本地数据转换的系统和方法
公开(公告)号：US20130297501A1
公开(公告)日：2013-11-07
申请号：US13888181
申请日：2013-05-06
申请人： Justin Monk , Kaushik Subramanian , Thanigaivel Ashwin Raj
发明人： Justin Monk , Kaushik Subramanian , Thanigaivel Ashwin Raj
IPC分类号： G06Q20/40
CPC分类号： G06Q20/405 , G06Q20/3224 , G06Q20/385 , G06Q20/40
摘要： Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.
摘要翻译：本发明的实施例涉及用于使用受限信息的转换或过滤处理事务的方法，装置，计算机可读介质和系统。本发明的一个实施例涉及一种方法，包括在位于限制区域外的服务器计算机处接收包括无限制帐户别名的交易请求消息，其中所述无限制帐户别名先前从受限制的帐户标识符转换为所述无限制帐户位于限制区域的服务器计算机的别名。位于受限区域之外的服务器计算机可以确定与无限制帐户别名相关联的帐户并处理交易请求消息。类似的方法可以应用于结算文件，包括转换为受限帐户标识符的无限制帐户别名。其他实施例涉及从服务请求或其他事务过滤受限信息。

9. 发明申请

US20110087530A1 Systems and Methods to Provide Loyalty Programs 审中-公开
标题翻译：提供忠诚度计划的系统和方法
公开(公告)号：US20110087530A1
公开(公告)日：2011-04-14
申请号：US12896632
申请日：2010-10-01
申请人： Edward W. Fordyce, III , Leigh Amaro , Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide
发明人： Edward W. Fordyce, III , Leigh Amaro , Michelle Eng Winters , Alfred William Griggs , Laura DiGioacchino , Diane C. Salmon , Kevin Paul Siegel , Kaushik Subramanian , James Alan VonDerheide
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q20/40 , G06Q10/00 , G06Q30/00 , G06Q30/02 , G06Q30/0215 , G06Q30/0226
摘要： In one aspect, a computing apparatus includes: a transaction handler to process transactions; a portal to receive from users enrollment input identifying account identifiers of the users and respective loyalty programs; and a data warehouse to store data associating the account identifiers with the respective loyalty programs. In response to an authorization request received in the transaction handler for a payment transaction identifying a first account identifier, the computing apparatus is to use the data warehouse to determine whether the first account identifier is enrolled with a loyalty program; and if the first account identifier is enrolled with a first loyalty program, the computing apparatus is to use the transaction handler to request purchase details from the merchant via a response to the authorization request, and determine benefits to be awarded to the user of the first account identifier.
摘要翻译：一方面，一种计算装置包括：处理事务的事务处理程序; 门户，用于从用户接收输入识别用户的帐户标识符和相应的忠诚度计划; 以及用于存储将帐户标识符与相应的忠诚度程序相关联的数据的数据仓库。响应于在用于识别第一帐户标识符的支付交易的交易处理程序中接收到的授权请求，计算装置是使用数据仓库来确定第一帐户标识符是否与忠诚度程序一起登记; 并且如果第一帐户标识符被登记有第一忠诚度程序，则所述计算装置将使用所述交易处理器通过对所述授权请求的响应来从所述商家请求购买细节，并且确定要授予所述第一帐户标识符的所述用户的利益帐户标识符。

10. 发明申请

US20170290079A1 MIDRANGE CONTACTLESS TRANSACTIONS 审中-公开
公开(公告)号：US20170290079A1
公开(公告)日：2017-10-05
申请号：US15629169
申请日：2017-06-21
申请人： Thanigaivel Ashwin Raj , Sanjeev Sharma , Kaushik Subramanian
发明人： Thanigaivel Ashwin Raj , Sanjeev Sharma , Kaushik Subramanian
IPC分类号： H04W76/02 , H04L29/08
CPC分类号： H04W76/14 , H04L67/12 , H04W12/02 , H04W12/06 , H04W48/16 , H04W76/11 , H04W84/18 , H04W88/12
摘要： Techniques for conducting a transaction in a midrange wireless communication system are described. The techniques may include detecting a beacon transmission from a midrange wireless base station, determining that the beacon transmission includes a transaction service identifier, and invoking a transaction application associated with the transaction service identifier. The techniques may also include receiving transaction information for a transaction associated with a transaction identifier mapped to the device identifier; and sending a transaction cryptogram from the transaction application to the midrange wireless base station to conduct the transaction.

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