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1. 发明申请

US20140025468A1 READABLE INDICIA FOR A REBATE REQUEST 审中-公开
标题翻译：可以索取RENAS REQUEST的可读指数
公开(公告)号：US20140025468A1
公开(公告)日：2014-01-23
申请号：US13554047
申请日：2012-07-20
申请人： Glenn Grossman , David M. Grigg , Matthew A. Calman , Susan Smith Thomas , Peter John Bertanzetti
发明人： Glenn Grossman , David M. Grigg , Matthew A. Calman , Susan Smith Thomas , Peter John Bertanzetti
IPC分类号： G06Q30/02
CPC分类号： G06Q30/06 , G06Q30/0207
摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a rebate request. An exemplary system is configured to: receive information associated with readable indicia associated with a rebate request; and process the readable indicia to issue a rebate associated with a rebate request, wherein the rebate comprises issuance of a credit associated with a purchase previously made from the merchant.
摘要翻译：本发明的实施例涉及用于处理可返回标记用于回扣请求的系统，方法和计算机程序产品。示例性系统被配置为：接收与可返回请求相关联的可读标记相关联的信息; 并且处理可读标记以发布与回扣请求相关联的折扣，其中所述回扣包括发放与先前从商家进行的购买相关联的信用。

2. 发明申请

US20140006128A1 SYSTEMS AND METHODS FOR PRESENTING OFFERS DURING A SHOPPING EXPERIENCE 审中-公开
标题翻译：在购物经历期间提供优惠的系统和方法
公开(公告)号：US20140006128A1
公开(公告)日：2014-01-02
申请号：US13536806
申请日：2012-06-28
申请人： David M. Grigg , Alicia C. Jones , Matthew A. Calman , Susan Smith Thomas
发明人： David M. Grigg , Alicia C. Jones , Matthew A. Calman , Susan Smith Thomas
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0253 , G06Q30/0251 , G06Q30/0255
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for presenting one or more offers to a user during an online shopping experience including the steps of receiving an input that the user has initiated the online shopping experience, receiving one or more product identifiers, comparing the one or more product identifiers to at least one rule, determining the one or more offers for one or more products associated with the one or more product identifiers, presenting to the user, via a user interface, the offer for the product before the consumer enters the point of transaction area of the store, receiving an input from the user accepting the one or more offers; and transmitting acceptance of the one or more offers by the user to at least one of a financial institution of the user or the merchant.
摘要翻译：本发明的实施例涉及用于在在线购物体验期间向用户呈现一个或多个提供的系统，方法和计算机程序产品，包括以下步骤：接收用户已经启动在线购物体验的输入，接收一个或多个产品标识符，将一个或多个产品标识符与至少一个规则进行比较，确定与一个或多个产品标识符相关联的一个或多个产品的一个或多个提供，经由用户界面呈现给用户的报价在消费者进入商店的交易区域之前的产品，从接收一个或多个优惠的用户接收输入; 以及将用户的一个或多个提议的接受传送给用户或商家的金融机构中的至少一个。

3. 发明申请

US20130191789A1 CONTROLLING A TRANSACTION WITH COMMAND GESTURES 审中-公开
标题翻译：控制与命令的交易
公开(公告)号：US20130191789A1
公开(公告)日：2013-07-25
申请号：US13355919
申请日：2012-01-23
申请人： MATTHEW A. CALMAN , SUSAN SMITH THOMAS , ERIK STEPHEN ROSS , JOOYONG LEE , ZHENSHUO FANG , JAMES MULHOLLAND , BRENDAN KIU , NASTASHA TAN
发明人： MATTHEW A. CALMAN , SUSAN SMITH THOMAS , ERIK STEPHEN ROSS , JOOYONG LEE , ZHENSHUO FANG , JAMES MULHOLLAND , BRENDAN KIU , NASTASHA TAN
IPC分类号： G06F3/033
CPC分类号： G06F3/017
摘要： Embodiments of the invention include systems, methods, and computer-program products that provide for a unique system for controlling transactions based on command gestures. In one embodiment of the invention, a computer-implemented method determines that a user is conducting a transaction with a mobile device. The mobile device senses a gesture performed by the user with the mobile device and alters at least one aspect of the transaction based on the gesture. The gestures can control a wide variety of aspects of the transaction. For example, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction. In an embodiment, the user is able to customize the gestures to control the transaction according to the user's preferences.
摘要翻译：本发明的实施例包括系统，方法和计算机程序产品，其提供用于基于命令手势控制事务的唯一系统。在本发明的一个实施例中，计算机实现的方法确定用户正在与移动设备进行交易。移动设备用移动设备感测由用户执行的手势，并且基于该手势来改变交易的至少一个方面。手势可以控制交易的各个方面。例如，用户可以在交易期间标记待审查的项目，使交易静默，接收交易的小计，选择支付方法或完成交易。在一个实施例中，用户能够根据用户的喜好定制手势来控制交易。

4. 发明授权

US08469262B2 Cash folding apparatus and method 有权
标题翻译：现金折叠装置及方法
公开(公告)号：US08469262B2
公开(公告)日：2013-06-25
申请号：US12695867
申请日：2010-01-28
申请人： Felix A. Mon , William F. Borowski , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
发明人： Felix A. Mon , William F. Borowski , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G07F19/201 , G06Q20/1085 , G07D11/0021 , G07F19/20 , G07F19/203 , G09B21/003
摘要： Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense folded bills to the customer. The bills are folded based on denomination to allow the customer receiving the bills from the cash dispenser to be able to identify the denomination of each bill. In some embodiments, the cash dispenser is configured to automatically identify whether the customer prefers to receive folded bills and, in some embodiments, the cash dispenser is configured to fold and dispense bills according to customer preferences.
摘要翻译：本发明的实施例通过例如提供自动柜员机（ATM）或其他配置成向客户分配折叠票据的自动提款机来为视障者提供货币解决方案。纸币根据面额进行折叠，以便客户从自动提款机接收纸币以能够识别每个纸币的面额。在一些实施例中，自动提款机被配置为自动识别客户是否喜欢接收折叠纸币，并且在一些实施例中，自动提款机被配置为根据客户偏好来折叠和分发纸币。

5. 发明授权

US09026461B2 Enhanced mobile application for assisting users at a point of transaction 有权
标题翻译：增强的移动应用程序，用于在交易点协助用户
公开(公告)号：US09026461B2
公开(公告)日：2015-05-05
申请号：US13355900
申请日：2012-01-23
申请人： Matthew A. Calman , Erik Stephen Ross , Susan Smith Thomas , Jooyong Lee , Zhenshuo Fang , James Mulholland , Brendan Kiu , Nastasha Tan
发明人： Matthew A. Calman , Erik Stephen Ross , Susan Smith Thomas , Jooyong Lee , Zhenshuo Fang , James Mulholland , Brendan Kiu , Nastasha Tan
IPC分类号： G07F19/00 , G07F9/02 , G09B21/00
CPC分类号： G07F19/201 , G07F9/023 , G09B21/001
摘要： Embodiments of the invention include systems, methods, and computer-program products that provide for an enhanced mobile application for assisting users at a point-of-transaction (POT). In one embodiment of the invention the POT assistance application program may determines that a user is conducting a transaction with a merchant. The user may utilize a user device to assist in the transaction. First, the user device may be paired with a POT system, such as a cash register. Once the devices are paired a communication link is created that allows the user to audibly and/or visually monitor the transaction using the user device. Furthermore, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction using the POT assistance application program.
摘要翻译：本发明的实施例包括提供用于在交易点（POT）处协助用户的增强的移动应用的系统，方法和计算机程序产品。在本发明的一个实施例中，POT辅助应用程序可以确定用户正在与商家进行交易。用户可以利用用户设备来协助交易。首先，用户设备可以与诸如收银机的POT系统配对。一旦设备配对，创建通信链路，允许用户使用用户设备可听和/或可视地监视事务。此外，用户可以在交易期间标记待审查的项目，使交易静默，接收交易的小计，选择支付方法或使用POT辅助应用程序完成交易。

6. 发明授权

US09026460B2 Automatic activation of mobile payment mechanisms based on identified mobile payment types accepted by a merchant 有权
标题翻译：基于商家接受的识别的移动支付类型来自动激活移动支付机制
公开(公告)号：US09026460B2
公开(公告)日：2015-05-05
申请号：US13536783
申请日：2012-06-28
申请人： David M. Grigg , Alicia C. Jones , Matthew A. Calman , Susan Smith Thomas
发明人： David M. Grigg , Alicia C. Jones , Matthew A. Calman , Susan Smith Thomas
IPC分类号： G06Q20/00 , G06Q20/20 , G06Q20/32 , G06Q40/02
CPC分类号： G06Q20/20 , G06Q20/322 , G06Q20/3224 , G06Q20/3278 , G06Q40/02
摘要： Systems, methods, and computer program products are provided for automatic activation of mobile payment mechanisms (e.g., software applications, devices/hardware and the like) on a mobile communication device in response to automated determination of the mobile payment types accepted by a merchant at which the user/consumer is located. As such, the present invention serves to automatically make the user/consumer aware of an option for mobile payment. In addition, the mobile payment transaction is made more efficient, in that, the user/consumer does not have to manually configure and/or activate the software or hardware associated with the mobile payment type.
摘要翻译：系统，方法和计算机程序产品被提供用于在移动通信设备上自动激活移动支付机制（例如，软件应用，设备/硬件等）以响应商家接受的移动支付类型的自动确定用户/消费者所在的位置。因此，本发明用于自动使用户/消费者了解移动支付的选项。此外，移动支付交易更有效，因为用户/消费者不必手动配置和/或激活与移动支付类型相关联的软件或硬件。

7. 发明授权

US09015070B2 System for pre-processing sales returns 有权
标题翻译：销售回报预处理系统
公开(公告)号：US09015070B2
公开(公告)日：2015-04-21
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： G06Q10/08 , G06Q20/12 , G06Q20/32 , G06Q30/06 , G06Q30/00 , G06Q20/20
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。

8. 发明授权

US08738450B2 Audible transaction process and system 有权
标题翻译：声音交易流程和系统
公开(公告)号：US08738450B2
公开(公告)日：2014-05-27
申请号：US12695833
申请日：2010-01-28
申请人： Felix A. Mon , Robert J. MacKenzie , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Erik Stephen Ross
发明人： Felix A. Mon , Robert J. MacKenzie , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Erik Stephen Ross
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q30/00 , G06Q20/20 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer in an audible format. The system includes a consumer device and a payment terminal located proximate the point of sale. The consumer device, either a mobile device carried by the consumer or an immobile device also located proximate the point of sale, communicates with the payment terminal and receives transaction information such as product identity or amount information. The consumer device then produces sound waves audible to the consumer based on the communicated transaction information using one or more private and/or public listening devices. This audible transaction process can be performed automatically during a transaction or can be implemented based on consumer preference.
摘要翻译：提供系统，方法和计算机程序产品，以便在销售点的交易期间通过以可听的格式向消费者提供交易信息来帮助消费者。该系统包括位于销售点附近的消费者设备和支付终端。消费者设备，消费者携带的移动设备或者也位于销售点附近的固定设备与支付终端通信，并且接收诸如产品标识或数量信息之类的交易信息。然后，消费者设备基于使用一个或多个私人和/或公共收听设备的所传送的交易信息产生可听消费者的声音波。这种可听的交易过程可以在交易期间自动执行，或者可以基于消费者偏好来实现。

9. 发明申请

US20140046752A1 ASSESSING ADVERTISEMENT IMPACT USING ADVERTISEMENT READABLE INDICIA 审中-公开
标题翻译：使用广告可读指数评估广告影响
公开(公告)号：US20140046752A1
公开(公告)日：2014-02-13
申请号：US13572311
申请日：2012-08-10
申请人： Peter John Bertanzetti , David M. Grigg , Susan Smith Thomas , Matthew A. Calman
发明人： Peter John Bertanzetti , David M. Grigg , Susan Smith Thomas , Matthew A. Calman
IPC分类号： G06Q30/02 , G06Q90/00
CPC分类号： G06Q30/02
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 presents a readable indicia in association with an advertisement, where the readable indicia includes instructions for triggering a data collection tool. The invention collects data from the data collection tool and analyzes characteristics of the readable indicia and the advertisement in order to determine a customer advertisement impact. The readable indicia may include information indicating at least one of a current date, a time of inception of the advertisement, a placement location of the readable indicia within the advertisement, or a visual characteristic of the readable indicia.
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。本发明呈现与广告相关联的可读标记，其中可读标记包括用于触发数据收集工具的指令。本发明从数据收集工具收集数据，分析可读标记和广告的特征，以便确定客户广告的影响。可读标记可以包括指示当前日期，广告开始时间，广告中可读标记的放置位置或可读标记的视觉特征中的至少一个的信息。

10. 发明申请

US20140006165A1 SYSTEMS AND METHODS FOR PRESENTING OFFERS DURING AN IN-STORE SHOPPING EXPERIENCE 审中-公开
标题翻译：在店内购物体验中提供优惠的系统和方法
公开(公告)号：US20140006165A1
公开(公告)日：2014-01-02
申请号：US13536796
申请日：2012-06-28
申请人： David M. Grigg , Alicia C. Jones , Matthew A. Calman , Susan Smith Thomas
发明人： David M. Grigg , Alicia C. Jones , Matthew A. Calman , Susan Smith Thomas
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0281 , G06Q30/0207
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for presenting one or more offers to a user during a shopping experience including the steps of receiving an input that the user has entered a store, receiving product identifiers, comparing the product identifiers to the at least one rule, determine the one or more offers for one or more products associated with the product identifiers to the at least one rule, presenting to the user, via a user interface, the one or more offers for the one or more products before the user enters the point of transaction area of the store, receiving an input from the user accepting the one or more offers; and transmitting acceptance of the one or more offers by the user to at least one of a financial institution of the user or the merchant.
摘要翻译：本发明的实施例涉及用于在购物体验期间向用户呈现一个或多个提供的系统，方法和计算机程序产品，包括以下步骤：接收用户已经进入商店的输入，接收商品标识符，比较产品至少一个规则的标识符，确定与所述产品标识符相关联的一个或多个与所述至少一个规则相关联的产品的一个或多个提供，经由用户界面向所述用户呈现所述一个或多个规则的一个或多个提议在用户输入商店的交易区域之前的更多产品，从接收一个或多个优惠的用户接收输入; 以及将用户的一个或多个提议的接受传送给用户或商家的金融机构中的至少一个。

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