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1. 发明申请

US20140337138A1 PAYMENT CODES FOR ENHANCED CONSUMER EXPERIENCE 审中-公开
标题翻译：用于增强消费者体验的付款代码
公开(公告)号：US20140337138A1
公开(公告)日：2014-11-13
申请号：US13931691
申请日：2013-06-28
申请人： Jalpesh K. Chitalia , Ansar Ansari , Karun Viswanath , Attaullah M. Baig , Sireesh Potireddy , Catherine Wong , Gavin Philips , Darrell Esch , Malik Velani , Upendra S. Mardikar
发明人： Jalpesh K. Chitalia , Ansar Ansari , Karun Viswanath , Attaullah M. Baig , Sireesh Potireddy , Catherine Wong , Gavin Philips , Darrell Esch , Malik Velani , Upendra S. Mardikar
IPC分类号： G06Q20/32 , G06Q20/20 , G06Q30/02
CPC分类号： G06Q20/3274 , G06K19/06028 , G06K19/06037 , G06Q20/20 , G06Q20/202 , G06Q20/322 , G06Q20/3224 , G06Q20/385 , G06Q30/0267
摘要： Methods and systems for facilitating payments with a mobile device are described. The methods include detecting a location of a mobile device, receiving identifying information from a user through the mobile device when the mobile device is near at least one merchant without a request from the user, generating a payment code without a request from the user, transmitting the payment code to the mobile device, receiving the payment code and a payment request from a merchant, and processing the payment request.
摘要翻译：描述了用于促进用移动设备进行支付的方法和系统。所述方法包括检测移动设备的位置，当移动设备在没有来自用户的请求的情况下移动设备在至少一个商家附近时通过移动设备从用户接收识别信息，在没有来自用户的请求的情况下生成支付代码，发送向移动设备发送支付代码，从商家接收支付代码和支付请求，以及处理支付请求。

2. 发明申请

US20140025576A1 Mobile Check-In 审中-公开
标题翻译：移动办理登机手续
公开(公告)号：US20140025576A1
公开(公告)日：2014-01-23
申请号：US13554407
申请日：2012-07-20
申请人： Darrell Esch
发明人： Darrell Esch
IPC分类号： G06Q20/40
CPC分类号： G06Q20/20 , G06Q20/325 , G06Q20/4014
摘要： Methods and systems can facilitate more convenient shopping by users of a payment provider, such as Paypal, Inc. A user can purchase a product simply by swiping a card without being required to enter additional information, such as the user's personal identification number (PIN). Thus, the checkout process at the point-of-sale can be performed more easily and quickly. More particularly, a user can open an app on a mobile device and sign in to a payment provider system using the app. The app can show merchants near the user. The user can select one or more of the merchants. Selecting a merchant allows the user to check in with the merchant. Checking in with the merchant can result in pre-authorization of a purchase by the user with the merchant.
摘要翻译：方法和系统可以帮助诸如Paypal，Inc.之类的支付提供商的用户更便利的购物。用户可以通过刷卡来简单地购买产品，而不需要输入附加信息，例如用户的个人识别号码（PIN）。因此，可以更容易和快速地执行销售点处的结帐处理。更具体地，用户可以在移动设备上打开应用并使用该应用登录到支付提供商系统。该应用程序可以显示用户附近的商家。用户可以选择一个或多个商家。选择商家可以让用户与商家签到。与商家签到可能导致用户对商家进行购买的预授权。

3. 发明申请

US20140019337A1 CREDITOR OFFERS FOR TAKING A USER DEBT 审中-公开
标题翻译：信用证提供用户债务
公开(公告)号：US20140019337A1
公开(公告)日：2014-01-16
申请号：US13549159
申请日：2012-07-13
申请人： Darrell Esch , Michael We Chung Wu
发明人： Darrell Esch , Michael We Chung Wu
IPC分类号： G06Q20/22
CPC分类号： G06Q20/24 , G06Q30/00
摘要： Once a user has made a purchase (or during a checkout), a service provider may offer one or more creditors to the user to fund a payment on behalf of the user. The service provider may offer this service to one or more creditors in an auction or bid scenario, in which creditors may submit bids to “win” this service. The winning creditor(s) or payment provider(s) may be featured or displayed to the user when the user is deciding how to make a payment. In this way, a user is more likely to either sign up with a creditor and use the creditor to make a payment or use an already-existing account with the creditor to make a payment.
摘要翻译：一旦用户进行购买（或在结帐期间），服务提供商可以向用户提供代表用户的一笔或多笔债权人来支付款项。服务提供商可以在拍卖或出价方案中向一个或多个债权人提供此服务，债权人可以在其中提交投标以“赢得”此服务。当用户决定如何付款时，获胜的债权人或支付提供者可能会被显示或显示给用户。以这种方式，用户更有可能使用债权人注册，并使用债权人向债权人付款或使用已经存在的帐户进行付款。

4. 发明申请

US20130290186A1 PREAUTHORIZE BUYERS TO COMMIT TO A GROUP PURCHASE 审中-公开
标题翻译：将买家委托给集团购买
公开(公告)号：US20130290186A1
公开(公告)日：2013-10-31
申请号：US13852980
申请日：2013-03-28
申请人： Darrell Esch
发明人： Darrell Esch
IPC分类号： G06Q20/40
CPC分类号： G06Q30/0222 , G06Q20/12 , G06Q20/28 , G06Q20/40 , G06Q20/405 , G06Q30/04 , G06Q30/0605 , G06Q30/0613
摘要： A payment provider preauthorizes and commits consumers to a group purchase when the consumers provide an indication or intent to make a group purchase. Upon receiving the intent, the payment provider may ask the consumer whether they wish to irrevocably commit to the purchase at the advertised price. If so, the payment provider may process a payment request from the consumer to the merchant, but without actually moving funds to a merchant account. If the payment request can be approved, the payment provider may hold or freeze the appropriate amount in the user account or otherwise commit the funds to the merchant if the minimum number of purchasers is met for the group purchase. If the minimum number of purchasers is not met and/or the merchant cannot fulfill the group offer, the payment provider may take off the hold or release the funds back to the consumer's account. However, if the minimum number is met, the payment provider may release the funds to a merchant account even if the consumer decides, after the initial commitment, to not make the group purchase. Thus, others who committed to the group purchase will still be able to take advantage of the group deal.
摘要翻译：当消费者提供组合购买的指示或意图时，支付提供商预授权并且使消费者进行集体购买。在收到意图后，付款提供商可以向消费者询问他们是否希望以广告价格不可撤销地承诺购买。如果是这样，支付提供商可以处理从消费者到商家的支付请求，但是没有实际将资金转移到商家帐户。如果支付请求可以被批准，则如果满足集团购买的最小数量的购买者，则支付提供商可以持有或冻结用户帐户中的适当数额，或以其他方式将资金提交给商家。如果购买者的最低数量不满足和/或商户无法完成集体报价，则支付提供商可以取消保留或将资金发放回消费者账户。然而，如果满足最小数量，则即使消费者在初始承诺之后决定不进行集团购买，支付提供商也可以将资金发放到商家帐户。因此，致力于集团购买的其他人仍然可以利用集团交易。

5. 发明申请

US20130268391A1 SMART GIFT LIST 审中-公开
标题翻译：智慧礼物清单
公开(公告)号：US20130268391A1
公开(公告)日：2013-10-10
申请号：US13439225
申请日：2012-04-04
申请人： Darrell Esch , Michael We Chung Wu , Yun Flint
发明人： Darrell Esch , Michael We Chung Wu , Yun Flint
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02
摘要： A service provider communicates, to a user device, a reminder and suggestions to a user for possible gift purchases for a recipient, based on recipient purchase history, restrictions set by the user for the recipient, preferences set by the user for the recipient/gift, the occasion for the gift, and/or other factors. The user can select one or more recommended gifts from the user device and make the purchase through the user device.
摘要翻译：服务提供商基于接收者购买历史，用户为接收者设定的限制，向用户通知向用户提供可能的馈赠购物的提醒和建议，由用户为接收者/礼物设定的偏好，礼物的场合，和/或其他因素。用户可以从用户设备中选择一个或多个推荐的礼物，并通过用户设备进行购买。

6. 发明申请

US20120166311A1 DEFERRED PAYMENT AND SELECTIVE FUNDING AND PAYMENTS 审中-公开
标题翻译：递延付款和选择性资金和支付
公开(公告)号：US20120166311A1
公开(公告)日：2012-06-28
申请号：US13336929
申请日：2011-12-23
申请人： John Dwight , Gregory Lisiewski , Michael Wu , Thomas Whitford , Parijat Sinha , Darrell Esch , Carolyn Groobey , Brian Biglin , Sanjeev Kriplani , Sofya Pogreb , Gregg Zigler
发明人： John Dwight , Gregory Lisiewski , Michael Wu , Thomas Whitford , Parijat Sinha , Darrell Esch , Carolyn Groobey , Brian Biglin , Sanjeev Kriplani , Sofya Pogreb , Gregg Zigler
IPC分类号： G06Q30/06
CPC分类号： G06Q30/0613 , G06Q20/405 , G06Q30/0617
摘要： A user is able to change one or more payment options after payment has already been made to a merchant. A payment provider processes a payment request during a transaction with the merchant with default or selected payment options. After the transaction with the merchant is completed and the merchant has been paid, the user may change one or more of the payment options, such as funding source(s) and terms/conditions of payment (e.g., deferment period, installment period/amount, etc.). During the transaction, the user may make a purchase through the payment provider even if the user does not have an account with the payment provider by providing user information, such as name, address, phone number, email address, and date of birth, but not a social security number or funding source information.
摘要翻译：用户能够在已经向商家付款之后更改一个或多个付款选项。付款提供商在与具有默认或选择的支付选项的商家的交易期间处理支付请求。在完成与商户的交易并且商家已经被支付之后，用户可以改变一个或多个付款选项，例如资金来源和付款条款/条件（例如，延期期间，分期付款期限/金额等）。在交易期间，即使用户没有通过提供诸如姓名，地址，电话号码，电子邮件地址和出生日期等用户信息的用户没有与支付提供商的帐户，用户也可以通过支付提供者进行购买，但是不是社会保障号码或资金来源信息。

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