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1. 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。

2. 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。

3. 发明授权

US08688576B2 Bill control 有权
标题翻译：帐单控制
公开(公告)号：US08688576B2
公开(公告)日：2014-04-01
申请号：US13543694
申请日：2012-07-06
申请人： Carrie Anne Hanson , Scott R. Enscoe , Alexander C. Wittkowski , David M. Grigg , Daniel David , Katherine Dintenfass , Brett Newman , Leo Kopelow , Yameng Li , Nicole Chen , Nicholas Sharp
发明人： Carrie Anne Hanson , Scott R. Enscoe , Alexander C. Wittkowski , David M. Grigg , Daniel David , Katherine Dintenfass , Brett Newman , Leo Kopelow , Yameng Li , Nicole Chen , Nicholas Sharp
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/102 , G06Q40/00
摘要： Embodiments of the invention are directed to systems, methods and computer program products for implementing bill control. The invention enables a user of a financial institution account to maintain controls over bills via a single interaction point. In some embodiments, a method comprises determining whether a bill is due within a predetermined period; in response to determining the bill is due within the predetermined period: initiating, via a mobile network, presentation of a duration in which the bill is due; initiating, via the mobile network, presentation of an option to authorize payment of the bill via the mobile network; and in response to receiving selection of the option to pay the bill, authorizing payment of the bill via a financial institution account.
摘要翻译：本发明的实施例涉及用于实现票据控制的系统，方法和计算机程序产品。本发明使得金融机构帐户的用户能够通过单个交互点来保持对账单的控制。在一些实施例中，一种方法包括在预定时段内确定纸币是否到期; 响应于在所述预定时间段内确定所述帐单到期：经由移动网络发起所述账单到期的持续时间的呈现; 通过移动网络启动通过移动网络授权支付账单的选项的呈现; 并且响应于选择支付账单的选项，授权通过金融机构账户支付账单。

4. 发明申请

US20140067654A1 Apparatus and Method for the Electronic Transfer of Balances Between Accounts 审中-公开
标题翻译：帐户之间的余额电子转帐的设备和方法
公开(公告)号：US20140067654A1
公开(公告)日：2014-03-06
申请号：US13603019
申请日：2012-09-04
申请人： Carrie A. Hanson , Hitesh Bajaj , Laura C. Bondesen , Nicole Chen , Scott R. Enscoe , David M. Grigg , Leo Kopelow , Yameng Li , Brett Newman , Sarah Overcash , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
发明人： Carrie A. Hanson , Hitesh Bajaj , Laura C. Bondesen , Nicole Chen , Scott R. Enscoe , David M. Grigg , Leo Kopelow , Yameng Li , Brett Newman , Sarah Overcash , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
IPC分类号： G06Q20/10
CPC分类号： G06Q20/3223 , G06Q20/108
摘要： According to one embodiment, an apparatus may store a plurality of accounts. The apparatus may present, in a first region of a display, information associated with a first account in the plurality of accounts; in a second region of the display, information associated with a second account in the plurality of accounts; and in a third region of the display, a plurality of transfer amounts. The apparatus may detect a touch on the third region of the display indicating a selection of a transfer amount from the plurality of transfer amounts. The apparatus may communicate, in response to the detection of the touch, a message to initiate the transfer of the selected transfer amount from the first account to the second account.
摘要翻译：根据一个实施例，设备可以存储多个帐户。该装置可以在显示器的第一区域中显示与多个帐户中的第一帐户相关联的信息; 在所述显示器的第二区域中，与所述多个帐户中的第二帐户相关联的信息; 并且在显示器的第三区域中具有多个传送量。设备可以检测显示器的第三区域上的触摸，指示从多个传送量中选择传送量。该装置可以响应于触摸的检测而通信一个消息，以启动所选择的传送量从第一帐户转移到第二帐户。

5. 发明申请

US20140067506A1 Apparatus and Method for Offering Micro Rewards in an Electronic Transmission 审中-公开
标题翻译：在电子传输中提供微量奖励的装置和方法
公开(公告)号：US20140067506A1
公开(公告)日：2014-03-06
申请号：US13602789
申请日：2012-09-04
申请人： Carrie A. Hanson , Hitesh Bajaj , Laura C. Bondesen , Nicole Chen , Scott R. Enscoe , David M. Grigg , Leo Kopelow , Yameng Li , Brett Newman , Sarah Overcash , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
发明人： Carrie A. Hanson , Hitesh Bajaj , Laura C. Bondesen , Nicole Chen , Scott R. Enscoe , David M. Grigg , Leo Kopelow , Yameng Li , Brett Newman , Sarah Overcash , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02
摘要： According to one embodiment, an apparatus stores a user account and a points balance associated with the user account. The apparatus further determines a geographic location of a user associated with the user account. The apparatus then communicates, based at least in part upon the geographic location, an offer for a product. The produce may be associated with a points price and the points balance is at least equal to the points price. The apparatus then receives a signal indicating acceptance of the offer. The signal may be associated with the user account. The apparatus then communicates a second signal indicating that the user can receive the product.
摘要翻译：根据一个实施例，设备存储与用户帐户相关联的用户帐户和点数余额。该装置还确定与用户帐户相关联的用户的地理位置。该设备至少部分地基于地理位置来传送产品的报价。产品可能与点价格相关联，积分平衡至少等于点价格。然后，该装置接收到表示接受该提议的信号。信号可能与用户帐户相关联。然后，设备传送指示用户可以接收产品的第二信号。

6. 发明申请

US20140052459A1 READABLE INDICIA FOR HEALTHCARE PAYMENT CODES 有权
标题翻译：医疗保健费用可读指标
公开(公告)号：US20140052459A1
公开(公告)日：2014-02-20
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。

7. 发明申请

US20140048596A1 PRE-SET READABLE INDICIA FOR CUSTOMER USE 有权
标题翻译：用于客户使用的预设可读指示
公开(公告)号：US20140048596A1
公开(公告)日：2014-02-20
申请号：US13586237
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： G06K5/00
CPC分类号： G06Q20/3274 , G06Q20/20 , G06Q20/36
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 receives and stores one or more pre-set readable indicia including instructions for providing a payment during a transaction; and presents one or more of the pre-set readable indicia to a merchant during a transaction for payment. In some embodiments, the pre-set readable indicia comprises a one-use payment token for payment during a transaction not to exceed a predetermined payment limit, and in some embodiments, the pre-set readable indicia comprises payment account information and the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment account 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。本发明接收和存储一个或多个预设可读标记，包括用于在交易期间提供支付的指令; 并且在用于支付的交易期间向商家呈现一个或多个预设可读标记。在一些实施例中，预设可读标记包括用于在交易期间不超过预定支付限额的支付的一次性支付令牌，并且在一些实施例中，预设可读标记包括支付帐户信息，并且本发明接收认证来自用户的凭证，并使用来自预设可读标记的支付帐户信息来认证用户来批准付款。

8. 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。

9. 发明申请

US20140012742A1 ELECTRONIC PROCESSING OF PAPER INVOICES 审中-公开
标题翻译：纸张发票的电子处理
公开(公告)号：US20140012742A1
公开(公告)日：2014-01-09
申请号：US13543644
申请日：2012-07-06
申请人： Carrie Anne Hanson , Scott R. Enscoe , Alexander C. Wittkowski , David M. Grigg , Daniel David , Katherine Dintenfass , Ray R. Hernandez , Brett Newman , Leo Kopelow , Yameng Li , Nicole Chen , Nicholas Sharp
发明人： Carrie Anne Hanson , Scott R. Enscoe , Alexander C. Wittkowski , David M. Grigg , Daniel David , Katherine Dintenfass , Ray R. Hernandez , Brett Newman , Leo Kopelow , Yameng Li , Nicole Chen , Nicholas Sharp
IPC分类号： G06Q20/14
CPC分类号： G06Q20/14 , G06Q20/102 , G06Q20/322
摘要： Embodiments of the invention are directed to systems, methods, and computer program products for electronic processing of paper invoices. The invention allows provides a user with information about a paper invoice through the use of the user's mobile computing device. In some embodiments, a method comprises providing a computer processor executing computer readable code structured to cause the computer processor to (a) receive information associated with an image of the invoice, wherein the image is captured by a mobile computing device of the user; (b) identify the invoice based at least partially upon the information associated with the image of the invoice; (c) determine financial institution information associated with the invoice; and (d) present, via the mobile computing device of the user, an indication of the financial institution information.
摘要翻译：本发明的实施例涉及用于电子处理纸张发票的系统，方法和计算机程序产品。本发明允许用户通过使用用户的移动计算设备提供关于纸张发票的信息。在一些实施例中，一种方法包括提供一种执行计算机可读代码的计算机处理器，所述计算机可读代码被构造成使得所述计算机处理器（a）接收与所述发票的图像相关联的信息，其中所述图像由所述用户的移动计算设备捕获; （b）至少部分地基于与发票图像相关联的信息来识别发票; （c）确定与发票相关的金融机构信息; 和（d）经由用户的移动计算设备呈现金融机构信息的指示。

10. 发明申请

US20140006187A1 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：US20140006187A1
公开(公告)日：2014-01-02
申请号：US13562623
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： G06Q20/40 , G06Q20/20 , G06Q20/34
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: initiate a fuel purchase application; determine identification information associated with a 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.
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：启动燃料购买应用; 确定与将用于为车辆加油的燃料泵相关联的识别信息; 并根据识别信息向外部服务器发送购买授权请求。

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