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1. 发明授权

US08360329B2 Mobile wallet with managed active and passive payment technology 有权
标题翻译：手机钱包采用主动和被动支付技术
公开(公告)号：US08360329B2
公开(公告)日：2013-01-29
申请号：US13018275
申请日：2011-01-31
申请人： David M. Grigg , Marc B. Keller
发明人： David M. Grigg , Marc B. Keller
IPC分类号： G06K19/06
CPC分类号： G06Q20/227 , G06Q20/3278 , G06Q20/347 , G06Q20/352 , G06Q20/3572
摘要： Embodiments of the invention are directed to apparatus, methods, and computer program products for allowing a user to make a payment at a payment terminal via a mobile device regardless of whether a power source in a mobile device is present or active. An active module of a mobile device enables a user to make a contactless payment via a mobile device when a power source in a mobile device is present and active. A passive module of a mobile device enables a user to make a contactless payment via a mobile device when a power source in a mobile device is either not present or not active. The passive module is configured to receive power from an electromagnetic field generated by a payment terminal. The mobile device is configured to manage the active and passive payment technologies by automatically activating the passive payment technology when a power source in the mobile device is not present or active.
摘要翻译：本发明的实施例涉及用于允许用户经由移动设备在支付终端上进行支付的设备，方法和计算机程序产品，而不管移动设备中的电源是存在还是活动的。当移动设备中的电源存在且活跃时，移动设备的活动模块使得用户能够经由移动设备进行非接触式支付。当移动设备中的电源不存在或不活动时，移动设备的被动模块使得用户能够经由移动设备进行非接触式支付。被动模块被配置为从由支付终端产生的电磁场接收功率。移动设备被配置为当移动设备中的电源不存在或不活动时，通过自动激活被动支付技术来管理主动和被动支付技术。

2. 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。

3. 发明申请

US20130013490A1 MOBILE APPARATUS WITH BACK-UP PAYMENT SYSTEM 审中-公开
标题翻译：具备备用付款系统的移动设备
公开(公告)号：US20130013490A1
公开(公告)日：2013-01-10
申请号：US13179379
申请日：2011-07-08
申请人： Marc B. Keller , David M. Grigg
发明人： Marc B. Keller , David M. Grigg
IPC分类号： G06Q40/00
CPC分类号： G06Q20/3226 , G06Q20/347 , G06Q20/353
摘要： Embodiments of the invention are directed to apparatus, methods, and computer program products for allowing a user to make a payment at a payment terminal via a mobile device via a back-up payment module that is attached to the mobile device. In some embodiments, the back-up payment module allows a user to make a payment at a payment terminal by establishing physical contact between the back-up payment module and the payment terminal. In some embodiments, the back-up payment module allows a user to make a payment at a payment terminal when one or more other methods of making a payment via a mobile device are unavailable.
摘要翻译：本发明的实施例涉及用于允许用户经由移动设备通过附接到移动设备的备份支付模块在支付终端进行支付的设备，方法和计算机程序产品。在一些实施例中，备用支付模块允许用户通过建立后备支付模块和支付终端之间的物理联系来在支付终端进行支付。在一些实施例中，备用支付模块允许用户在通过移动设备进行支付的一个或多个其他方法不可用时在支付终端进行支付。

4. 发明申请

US20120203610A1 PAYMENT USING AN EMULATED ELECTRONIC COUPON IN A CONTACTLESS PAYMENT ENVIRONMENT 审中-公开
标题翻译：在联邦支付环境中使用模拟电子科技的付款
公开(公告)号：US20120203610A1
公开(公告)日：2012-08-09
申请号：US13023340
申请日：2011-02-08
申请人： David M. Grigg , Alicia C. Jones , Marc B. Keller , Patrick B. Kelly
发明人： David M. Grigg , Alicia C. Jones , Marc B. Keller , Patrick B. Kelly
IPC分类号： G06Q30/00
CPC分类号： G06Q30/06
摘要： Embodiments of the invention are directed to apparatus, methods, and computer program products for making a payment at a contactless payment terminal using an electronic coupon emulated as an electronic gift card. In one embodiment, a mobile device emulates electronic coupon data associated with an electronic coupon as electronic gift card data, and transmits this emulated coupon data to a contactless payment terminal that has the ability to read and processes electronic gift card data. Therefore, the invention may permit a user to make a payment using an electronic coupon at a contactless payment terminal that is not configured to read the native data format of the electronic coupon.
摘要翻译：本发明的实施例涉及使用模拟为电子礼品卡的电子优惠券在非接触支付终端进行支付的装置，方法和计算机程序产品。在一个实施例中，移动设备将与电子优惠券相关联的电子优惠券数据模拟为电子礼品卡数据，并将该模拟的优惠券数据发送到具有读取和处理电子礼品卡数据的能力的非接触支付终端。因此，本发明可以允许用户在未配置为读取电子优惠券的本地数据格式的非接触式支付终端处使用电子优惠券进行支付。

5. 发明申请

US20120197798A1 PENDING ATM AUTHENTICATIONS 审中-公开
标题翻译：待定ATM认证
公开(公告)号：US20120197798A1
公开(公告)日：2012-08-02
申请号：US13018295
申请日：2011-01-31
申请人： David M. Grigg , Elizabeth S. Votaw , Alicia C. Jones , Patrick Brian Kelly , Cindy Elizabeth Kerber , Marc B. Keller
发明人： David M. Grigg , Elizabeth S. Votaw , Alicia C. Jones , Patrick Brian Kelly , Cindy Elizabeth Kerber , Marc B. Keller
IPC分类号： G06Q40/00
CPC分类号： G06Q20/1085
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM authentications on a mobile device and for completing those pending ATM authentications at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM authentication on a mobile device, where the initiating the pending ATM authentication is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM authentication occurs before the user arrives at an ATM for completing the pending ATM authentication; (b) storing, on the mobile device, authentication information associated with the pending ATM authentication; (c) transferring the authentication information from the mobile device directly to the ATM, where the transferring the authentication information occurs after the user arrives at the ATM for completing the pending ATM authentication; (d) receiving, at the ATM, the authentication information associated with the pending ATM authentication; and (e) completing, at the ATM, the pending ATM authentication based at least partially on the authentication information.
摘要翻译：一般来说，本发明的实施例涉及用于在移动设备上启动未决ATM认证的方法和装置，并且用于在ATM处完成那些未决的ATM认证。例如，在一些实施例中，提供了一种方法，其包括：（a）在移动设备上启动未决的ATM认证，其中发起未决的ATM认证至少部分地基于输入一个或多个的移动设备的用户输入到移动设备中，并且其中在用户到达ATM之前发起未决ATM认证，以完成未完成的ATM认证; （b）在移动设备上存储与待决ATM认证相关联的认证信息; （c）将来自移动设备的认证信息直接传送到ATM，其中在用户到达ATM之后发生认证信息，以完成未决的ATM认证; （d）在ATM处接收与待决ATM认证相关联的认证信息; 以及（e）至少部分地基于认证信息在ATM处完成待决的ATM认证。

6. 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。

7. 发明申请

US20120197794A1 SHARED MOBILE WALLET 审中-公开
标题翻译：共享移动电子钱包
公开(公告)号：US20120197794A1
公开(公告)日：2012-08-02
申请号：US13018235
申请日：2011-01-31
申请人： David M. Grigg , Alicia C. Jones , Marc B. Keller , Patrick Brian Kelly , Elizabeth S. Votaw
发明人： David M. Grigg , Alicia C. Jones , Marc B. Keller , Patrick Brian Kelly , Elizabeth S. Votaw
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/105 , G06Q20/108 , G06Q20/35785 , G06Q20/36 , G06Q20/3676 , G06Q20/40 , G06Q20/405
摘要： The present invention provides embodiments of a shared account system that allows a primary user to add one or more dependent users to one or more accounts of the primary user in order to control and monitor the transactions made by a dependent user using a shared payment system. The primary user can set preferences, including spending limits, specific time frames within which the dependent user can make a purchase, or restrictions on transactions made at a store or for a product. The shared payment system may be a shared mobile wallet, such as a smartphone or PDA, which allows a user to enter into transactions. The shared mobile wallet allows the dependent user to make a purchase at a store or over a network by transmitting through a connection between the shared payment system and the merchant systems used to make the transaction.
摘要翻译：本发明提供共享帐户系统的实施例，其允许主用户将一个或多个从属用户添加到主用户的一个或多个帐户，以便控制和监视由依赖用户使用共享支付系统进行的交易。主要用户可以设置首选项，包括支出限额，从属用户可以在其中进行购买的特定时间范围，或限制在商店或产品上进行的交易。共享支付系统可以是允许用户进入交易的共享移动钱包，例如智能手机或PDA。共享移动钱包允许从属用户通过在共享支付系统和用于进行交易的商家系统之间的连接进行发送，在商店或通过网络进行购买。

8. 发明申请

US20120197691A1 MOBILE WALLET PAYMENT VEHICLE PREFERENCES 审中-公开
标题翻译：移动电子钱包付款车辆优先
公开(公告)号：US20120197691A1
公开(公告)日：2012-08-02
申请号：US13017997
申请日：2011-01-31
申请人： David M. Grigg , Marc B. Keller
发明人： David M. Grigg , Marc B. Keller
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00 , G06K19/073 , H04W4/00
CPC分类号： G06Q20/36 , G06Q20/20 , G06Q20/322 , G06Q20/3227 , G06Q20/3278 , G06Q20/3572 , G06Q20/363 , G06Q20/405 , G06Q30/0207 , G06Q40/06 , H04L67/306 , H04W4/80
摘要： In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet application is disclosed that utilizes, at least in part, user specific data to generate a payment vehicle recommendation for different transactions. The user specific data may include the active user profile, prior payment vehicle usage, user preferences for the type of transaction, user location, rewards programs associated with use of one or more payment vehicles, or the like, or combinations thereof.
摘要翻译：通常，公开了利用移动钱包进行非接触金融交易的装置，方法和计算机程序产品。特别地，公开了至少部分地利用用户特定数据来生成针对不同交易的支付车辆推荐的移动钱包应用。用户特定数据可以包括活动用户简档，先前支付车辆使用，用于交易类型的用户偏好，用户位置，与使用一个或多个支付车辆相关联的奖励程序等，或其组合。

9. 发明授权

US08972286B2 Transaction authorization system for a mobile commerce device 有权
标题翻译：移动商务设备的交易授权系统
公开(公告)号：US08972286B2
公开(公告)日：2015-03-03
申请号：US13017835
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： G06Q30/00 , G06Q20/32 , G06Q20/20 , H04M1/725
CPC分类号： G06Q20/3278 , G06Q20/20 , H04M1/72522 , H04M1/7258
摘要： Embodiments of the invention include apparatuses and methods that allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a single action or supplying only a single input to the mobile device. For example, some embodiments of the invention allow a user to assign a default payment vehicle to a particular key or “pay now” icon of the mobile device so that activation of the particular key or icon, alone, causes the mobile device to wirelessly transmit information about the default payment vehicle. In some embodiments of the invention, a user using the single action option of the mobile device does not need to go through an authentication procedure before the mobile device transmits the default payment information. In some embodiments of the invention, if a user uses the single action option, the mobile device is configured to transmit the payment information without needing to first launch an electronic wallet software application installed on the device.
摘要翻译：本发明的实施例包括允许用户由用户仅执行单个动作或仅向移动设备提供单个输入的方式将支付信息从移动设备无线地传送到销售点终端的装置和方法。例如，本发明的一些实施例允许用户将默认支付车辆分配给移动设备的特定键或“现在付款”图标，使得单独激活特定键或图标使得移动设备无线地传输关于默认支付车辆的信息。在本发明的一些实施例中，在移动设备发送默认支付信息之前，使用移动设备的单个动作选项的用户不需要经历认证过程。在本发明的一些实施例中，如果用户使用单个动作选项，则移动设备被配置为传送支付信息而不需要首先启动安装在该设备上的电子钱包软件应用程序。

10. 发明申请

US20120221475A1 MOBILE TRANSACTION DEVICE SECURITY SYSTEM 审中-公开
标题翻译：移动交易设备安全系统
公开(公告)号：US20120221475A1
公开(公告)日：2012-08-30
申请号：US13464387
申请日：2012-05-04
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： G06Q20/40 , G06Q20/36 , G06Q20/32
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, evaluates 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，评估指令，并确定事务是否可以在没有验证的情况下发生。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。

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