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1. 发明授权

US08407148B2 Systems and methods to provide messages in real-time with transaction processing 有权
标题翻译：用事务处理实时提供消息的系统和方法
公开(公告)号：US08407148B2
公开(公告)日：2013-03-26
申请号：US13277164
申请日：2011-10-19
申请人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Derek A. Vroom , Michael Steven Bankston
发明人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Derek A. Vroom , Michael Steven Bankston
IPC分类号： G06Q20/00
CPC分类号： G06Q30/0231 , G06Q20/32 , G06Q20/40 , G06Q20/401 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0251 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
摘要翻译：一方面，一种计算装置被配置为生成用于交易处理程序的触发记录，以识别满足在触发记录中指定的条件的授权请求，识别与所识别的授权请求相关联的用户的通信偏好，并且使用通信偏好将用户的实时消息与交易处理器并行地提供给各个授权请求的响应。

2. 发明申请

US20120109730A1 Systems and Methods to Provide Messages in Real-Time with Transaction Processing 有权
标题翻译：用事务处理实时提供消息的系统和方法
公开(公告)号：US20120109730A1
公开(公告)日：2012-05-03
申请号：US13277164
申请日：2011-10-19
申请人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Derek A. Vroom , Michael Steven Bankston
发明人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Derek A. Vroom , Michael Steven Bankston
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0231 , G06Q20/32 , G06Q20/40 , G06Q20/401 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0251 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
摘要翻译：一方面，一种计算装置被配置为生成用于交易处理程序的触发记录，以识别满足在触发记录中指定的条件的授权请求，识别与所识别的授权请求相关联的用户的通信偏好，并且使用通信偏好将用户的实时消息与交易处理器并行地提供给各个授权请求的响应。

3. 发明申请

US20110302011A1 Systems and Methods to Provide Messages in Real-Time with Transaction Processing 有权
标题翻译：用事务处理实时提供消息的系统和方法
公开(公告)号：US20110302011A1
公开(公告)日：2011-12-08
申请号：US13152186
申请日：2011-06-02
申请人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Derek A. Vroom , Michael Steven Bankston
发明人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Derek A. Vroom , Michael Steven Bankston
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q30/0231 , G06Q20/32 , G06Q20/40 , G06Q20/401 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0251 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.
摘要翻译：一方面，一种计算装置被配置为生成用于交易处理程序的触发记录，以识别满足在触发记录中指定的条件的授权请求，识别与所识别的授权请求相关联的用户的通信偏好，并且使用通信偏好将用户的实时消息与交易处理器并行地提供给各个授权请求的响应。

4. 发明申请

US20200294045A1 INTERACTION PROCESSING SYSTEM AND METHOD 审中-公开
公开(公告)号：US20200294045A1
公开(公告)日：2020-09-17
申请号：US16299572
申请日：2019-03-12
申请人： Kelvan Howard , Michelle Winters , Michael Steven Bankston
发明人： Kelvan Howard , Michelle Winters , Michael Steven Bankston
IPC分类号： G06Q20/40 , G06Q30/06 , G06Q20/22 , G06Q20/06
摘要： Methods and systems disclosed herein relate to managing an interaction between a sender and one or more receivers. The system may receive an assent request message specifying one or more receivers and/or resources. The system may transmit assent request notification(s) to the receiver(s), via temporary resource provider interfaces, messages, and/or social network interfaces. A subset of the receivers may commit to receiving a resource. The receivers may be validated via a trusted identity database. If a receiver has a valid interaction assertion in the database, then the system may generate an interaction credential for the receiver and a commitment object. The system may process data to facilitate the transfer of the resource. Upon the receiver receiving the resource, the interaction credential may be redeemed. The system may cease availability of the temporary resource provider interfaces after a predetermined time after the sender leaves an arbitrary location.

5. 发明申请

US20190149524A1 PROVIDING ASSERTIONS REGARDING ENTITIES 审中-公开
公开(公告)号：US20190149524A1
公开(公告)日：2019-05-16
申请号：US16193848
申请日：2018-11-16
申请人： Michael Steven Bankston , Erik Christopher Friend , Jerry Wald , Victor Zhiltsov
发明人： Michael Steven Bankston , Erik Christopher Friend , Jerry Wald , Victor Zhiltsov
IPC分类号： H04L29/06
摘要： Methods and systems disclosed herein relate to providing a receiving entity with a package of assertions. A package of assertions may include a group of yes or no statements (e.g., as an answer to a question). Alternatively, or additionally, a package of assertions may comprise a clustered assertion, which is a singular yes or no statement, that is itself based on a set of underlying assertions made using information from one or more sources. A particular type of package of assertions may be selected based on the relying entity requesting the assertions, based on an assertions model. The package of assertions may be cryptographically secured.

6. 发明授权

US08359274B2 Systems and methods to provide messages in real-time with transaction processing 有权
公开(公告)号：US08359274B2
公开(公告)日：2013-01-22
申请号：US13152186
申请日：2011-06-02
申请人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Derek A. Vroom , Michael Steven Bankston
发明人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Derek A. Vroom , Michael Steven Bankston
IPC分类号： G06Q20/00
CPC分类号： G06Q30/0231 , G06Q20/32 , G06Q20/40 , G06Q20/401 , G06Q30/02 , G06Q30/0215 , G06Q30/0222 , G06Q30/0251 , G06Q30/0269
摘要： In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

7. 发明申请

US20120066062A1 Systems and Methods to Present Triggers for Real-Time Offers 审中-公开
标题翻译：提供实时报价触发器的系统和方法
公开(公告)号：US20120066062A1
公开(公告)日：2012-03-15
申请号：US13205205
申请日：2011-08-08
申请人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Michael James Gebbie , Michael Steven Bankston
发明人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Michael James Gebbie , Michael Steven Bankston
IPC分类号： G06Q30/02 , G06F17/30
CPC分类号： G06Q30/02 , G06Q30/0253
摘要： In one aspect, a computing apparatus is configured to identify a set of users; identify a plurality of triggers, each of which corresponds to a set of one or more conditions which when satisfied by a transaction of a user from the set, as the transaction is being processed by the transaction handler, causes transmission of an advertisement to the user; provide a graphical representation of triggers; and provide data related to the triggers on the graphical representation, in response to user interaction with the graphical representation.
摘要翻译：一方面，一种计算装置被配置为识别一组用户; 识别多个触发器，每个触发器对应于一个一个或多个条件的集合，当一个用户从该组中的事务满足时，当该事务正由该事务处理程序处理时，导致向该用户发送广告 ; 提供触发器的图形表示; 并且响应于用户与图形表示的交互，提供与图形表示上的触发相关的数据。

8. 发明授权

US09972021B2 Systems and methods to rank and select triggers for real-time offers 有权
公开(公告)号：US09972021B2
公开(公告)日：2018-05-15
申请号：US13198493
申请日：2011-08-04
申请人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Michael James Gebbie , Michael Steven Bankston
发明人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Michael James Gebbie , Michael Steven Bankston
IPC分类号： G06Q30/00 , G06Q30/02
CPC分类号： G06Q30/02 , G06Q30/0215 , G06Q30/0251
摘要： In one aspect, a computing apparatus is configured to receive an input specifying a set of users, identify a set of triggers, each of which corresponds to a set of one or more conditions which when satisfied cause transmission of a message to the set of users, rank the triggers based at least in part on transaction data of the users that was recorded by a transaction handler, and generate a ranked list of the triggers based on the ranking.

9. 发明授权

US09679299B2 Systems and methods to provide real-time offers via a cooperative database 有权
公开(公告)号：US09679299B2
公开(公告)日：2017-06-13
申请号：US13225185
申请日：2011-09-02
申请人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Michael Steven Bankston
发明人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Michael Steven Bankston
IPC分类号： G06Q30/00 , G06Q30/02
CPC分类号： G06Q30/0201 , G06Q30/00 , G06Q30/0255
摘要： In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.

10. 发明申请

US20120066064A1 Systems and Methods to Provide Real-Time Offers via a Cooperative Database 有权
标题翻译：通过合作数据库提供实时提供的系统和方法
公开(公告)号：US20120066064A1
公开(公告)日：2012-03-15
申请号：US13225185
申请日：2011-09-02
申请人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Michael Steven Bankston
发明人： Jeanette Yoder , Leigh Amaro , Ryan Hagey , Michael Steven Bankston
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0201 , G06Q30/00 , G06Q30/0255
摘要： In one aspect, a computing apparatus is configured to: store transaction data recording transactions processed by a transaction handler; organize third party data according to community, where the third party data includes first data received from a first plurality of entities of a first community and second data received from a second plurality of entities of a second community; and responsive to a request from a merchant in the second community, present an offer of the merchant in the second community to users identified via the transaction data and the first data received from the first plurality of entities of the first community. In one embodiment, the first data provides permission from the merchant in the first community to allow the merchant in the second community to use intelligence information of the first community to identify users for targeting offers from the merchant in the second community.
摘要翻译：一方面，一种计算装置被配置为：存储由事务处理程序处理的事务数据记录事务; 根据社区组织第三方数据，其中第三方数据包括从第一社区的第一多个实体接收的第一数据和从第二社区的第二多个实体接收的第二数据; 并且响应于来自第二社区中的商家的请求，向第二社区中的商家提供通过交易数据识别的用户和从第一社区的第一多个实体接收的第一数据。在一个实施例中，第一数据提供来自第一社区中的商家的许可，以允许第二社区中的商家使用第一社区的智能信息来识别用于针对来自第二社区中的商家的报价的用户。

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