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1. 发明授权

US09754132B2 Multi-user device with information capture capabilities 有权
公开(公告)号：US09754132B2
公开(公告)日：2017-09-05
申请号：US12821655
申请日：2010-06-23
申请人： Evans Mehew , Scott Paintin , Dianna Lyons , Julene M. Robbins
发明人： Evans Mehew , Scott Paintin , Dianna Lyons , Julene M. Robbins
IPC分类号： G06Q40/00 , G06F21/79 , G06Q20/20 , G06Q20/40 , G06F21/32
CPC分类号： G06F21/79 , G06F21/32 , G06Q20/206 , G06Q20/40145
摘要： Methods and systems, related to a biometrically secured user input device for conducting a transaction are described. The user input device may comprise a biometric authentication device. At the biometrically secured user input device, a biometric sample may be received from a user. The biometrically secured user input device may transmit the biometric sample, provided by the user, to a host computer system. The host computer system may compare the biometric sample provided by the user to another biometric sample. Handwriting data from the user may then be received by the user input device. The handwriting data may be transmitted to a computer system by the user input device. Transaction data based on the handwriting data may be transmitted from the computer system to a host computer system. The financial transaction may be conducted using the transaction data transmitted to the host computer system from the computer system.

2. 发明授权

US09489669B2 Secure contactless payment systems and methods 有权
标题翻译：安全的非接触支付系统和方法
公开(公告)号：US09489669B2
公开(公告)日：2016-11-08
申请号：US12978704
申请日：2010-12-27
申请人： Rebecca Loevenguth , Evans Mehew , Dave Owen , Dianna Lyons , Scott Paintin
发明人： Rebecca Loevenguth , Evans Mehew , Dave Owen , Dianna Lyons , Scott Paintin
IPC分类号： G06Q20/00 , G06Q30/00 , G07G1/12 , G06Q20/32 , G06Q20/20
CPC分类号： G06Q20/206 , G06Q20/20 , G06Q20/204 , G06Q20/327 , G06Q20/3278 , G06Q20/4014 , H04L63/0876 , H04W12/06
摘要： According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.
摘要翻译：根据本发明，公开了一种向销售点装置提供付款的系统。该系统可以包括具有存储介质的移动设备，输入设备，无线传输设备和处理器。存储介质可以包括单独的认证信息和设备认证信息。输入设备可以被配置为接收输入。无线传输设备可以被配置为选择性地将设备认证信息发送到附近的销售点设备。处理器可以被配置为将输入与各个认证信息进行比较，并且如果输入与个体认证信息相关联，则激活无线传输设备来发送设备认证信息。

3. 发明授权

US08905298B2 Transactions with imaging analysis 有权
标题翻译：成像分析交易
公开(公告)号：US08905298B2
公开(公告)日：2014-12-09
申请号：US12494585
申请日：2009-06-30
申请人： Scott Paintin
发明人： Scott Paintin
IPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/04
CPC分类号： G06Q20/10 , G01N24/08 , G06Q20/38 , G06Q20/40
摘要： A money transfer system with imaging. The system includes a first money transfer terminal and an imaging device. The imaging device is configured to acquire a first set of imaging information of a user. The system also includes a host computer system, configured to receive at least a portion of the first set of financial transaction information and at least a portion of the first set of imaging information. The system also includes a previous transaction database, an external database, and a decision maker terminal. The system also includes a second money transfer terminal and a second imaging device. The second imaging device is configured to acquire a second set of imaging information of the second user.
摘要翻译：具有成像的汇款系统。该系统包括第一汇款终端和成像装置。成像装置被配置为获取用户的第一组成像信息。该系统还包括主计算机系统，其被配置为接收第一组金融交易信息的至少一部分和第一组成像信息的至少一部分。该系统还包括先前的交易数据库，外部数据库和决策者终端。该系统还包括第二货币兑换终端和第二成像装置。第二成像装置被配置为获取第二用户的第二组成像信息。

4. 发明授权

US08407121B2 Location-based money transfer 有权
标题翻译：基于位置的汇款
公开(公告)号：US08407121B2
公开(公告)日：2013-03-26
申请号：US12346577
申请日：2008-12-30
申请人： Scott Paintin
发明人： Scott Paintin
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q20/3224 , H04W4/021
摘要： The invention provides various systems and methods for performing money transfers using location information. The method includes staging, at computer system, a money transfer transaction from a sender to a receiver. The method further includes providing the receiver's mobile number to the computer system, and tracking the receiver's location using a location tracking computer system. Further, the method includes determining if the receiver is within a proximity threshold to an agent location. The agent location is configured to distribute funds from the money transfer. The method then, in response to the receiver being within the proximity threshold to the agent location, notifies the receiver of the agent location's address, and dispenses the funds from the agent location.
摘要翻译：本发明提供了使用位置信息执行汇款的各种系统和方法。该方法包括在计算机系统中分级从发送者到接收者的汇款交易。该方法还包括将接收机的移动号码提供给计算机系统，以及使用位置跟踪计算机系统跟踪接收机的位置。此外，该方法包括确定接收机是否在代理位置的接近阈值内。代理位置配置为从汇款中分配资金。然后，该方法响应于接收器处于代理位置的接近阈值内，向接收者通知代理位置的地址，并从代理位置分配资金。

5. 发明申请

US20110246328A1 ITEM-SPECIFIC MONEY TRANSFER METHODS AND SYSTEMS 有权
标题翻译：项目特定货币转移方法和系统
公开(公告)号：US20110246328A1
公开(公告)日：2011-10-06
申请号：US12750621
申请日：2010-03-30
申请人： Kimberly Dunwoody , Scott Paintin
发明人： Kimberly Dunwoody , Scott Paintin
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q30/00 , G06Q50/00
CPC分类号： G06Q20/405 , G06Q20/10 , G06Q20/105 , G06Q20/385 , G06Q20/40 , G06Q30/0629 , G06Q30/0631 , G06Q30/0641 , G06Q40/123
摘要： The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item.
摘要翻译：本发明提供了用于实现项目特定货币转帐的各种系统和方法。该方法包括接收项目的识别，确定商品的供应商和价格，以及从接收者接收货物转移请求以获得该商品价格的金额。汇款请求标识发件人。所述方法还包括向所述发送者发送所述汇款请求，从所述发送者接收所述货物的价格金额的汇款授权。该授权包括一个迹象表明，汇款资金仅限于该项目使用。

6. 发明申请

US20100042517A1 UNIVERSAL LOYALTY SYSTEMS AND METHODS 审中-公开
标题翻译：通用系统和方法
公开(公告)号：US20100042517A1
公开(公告)日：2010-02-18
申请号：US12190348
申请日：2008-08-12
申请人： Scott Paintin , Melanie Roberts , Gail Galuppo
发明人： Scott Paintin , Melanie Roberts , Gail Galuppo
IPC分类号： G06Q10/00 , G06Q30/00
CPC分类号： G06Q30/02 , G06Q20/387 , G06Q40/12
摘要： The invention provides various systems and methods for providing universal access to loyalty programs and/or financial accounts. The method includes initializing a universal loyalty program account and financial account device. The method further includes associating loyalty program accounts and/or financial accounts with the universal loyalty program and financial instrument device. The method then accesses at least one of the loyalty program accounts and/or the financial accounts at a customer facing device using the universal loyalty program account and financial account device.
摘要翻译：本发明提供了用于提供对忠诚度计划和/或财务账户的普遍访问的各种系统和方法。该方法包括初始化通用会员计划帐户和金融账户设备。该方法还包括将忠诚度计划账户和/或金融账户与通用会员计划和金融工具装置相关联。该方法然后使用通用会员计划帐户和金融账户设备访问面向顾客的设备的忠诚度计划账户和/或金融账户中的至少一个。

7. 发明授权

US10679196B2 Bill payment aggregation service 有权
公开(公告)号：US10679196B2
公开(公告)日：2020-06-09
申请号：US11863906
申请日：2007-09-28
申请人： Scott Paintin
发明人： Scott Paintin
IPC分类号： G06Q20/14 , G06Q20/02 , G06Q30/04 , G06Q20/10
摘要： Tools for providing bill aggregation and/or payment services. In an aspect, such tools aggregate all payments over a given period of time, allowing a user to make a single payment to ensure that all appropriate bills are paid in timely fashion. In another aspect, the tools determine, without requiring user input, an amount due on each bill, as well, in some cases, of a due date for each payment. Optionally, the tools can provide a consolidated statement to inform the user of payments to be made over a given period. Such statements can provide a varying level of detail, depending on the implementation and/or on user preferences. In some cases, a consolidated statement might provide line items and/or detailed support for each payment to be made. In other cases, the consolidated statement might simply provide a single consolidated payment amount.

8. 发明授权

US08788408B2 Item-specific money transfer methods and systems 有权
标题翻译：特定项目的汇款方式和制度
公开(公告)号：US08788408B2
公开(公告)日：2014-07-22
申请号：US12750621
申请日：2010-03-30
申请人： Kimberly Dunwoody , Scott Paintin
发明人： Kimberly Dunwoody , Scott Paintin
IPC分类号： G06Q40/00
CPC分类号： G06Q20/405 , G06Q20/10 , G06Q20/105 , G06Q20/385 , G06Q20/40 , G06Q30/0629 , G06Q30/0631 , G06Q30/0641 , G06Q40/123
摘要： The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item.
摘要翻译：本发明提供了用于实现项目特定货币转帐的各种系统和方法。该方法包括接收项目的识别，确定商品的供应商和价格，以及从接收者接收货物转移请求以获得该商品价格的金额。汇款请求标识发件人。所述方法还包括向所述发送者发送所述汇款请求，从所述发送者接收所述货物的价格金额的汇款授权。该授权包括一个迹象表明，汇款资金仅限于该项目使用。

9. 发明授权

US08504473B2 Money transfer system and messaging system 有权
标题翻译：汇款系统和信息系统
公开(公告)号：US08504473B2
公开(公告)日：2013-08-06
申请号：US11692708
申请日：2007-03-28
申请人： Scott Paintin , Lance Marr , Michelle Kloosterman , Rebecca Loevenguth , Diane Scott
发明人： Scott Paintin , Lance Marr , Michelle Kloosterman , Rebecca Loevenguth , Diane Scott
IPC分类号： G06Q10/00 , G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q20/20 , G06Q20/40
摘要： A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient.
摘要翻译：公开了一种用于将资金从发送者转移到具有记录消息的接收者的系统。在一个步骤中，该方法包括从发送者接收资金转帐请求。发件人可以在交易处理设备处进行资金转帐请求。在另一步骤中，从发送方接收到用于资金转移的付款，并且向主计算机系统发送支付确认。然后可以将资源转移给标识符。可以接收来自发送者的记录的消息，并且至少可以将记录的消息的副本发送到主机系统。记录的消息可以与资金转移相关联。可以从接收者接收包括标识符的请求以接收所记录的消息。在另一步骤中，记录的消息可以被发送到接收者。

10. 发明申请

US20110316665A1 PERSONAL WRITING DEVICE WITH USER RECOGNITION CAPABILITIES AND PERSONAL INFORMATION STORAGE 有权
标题翻译：具有用户识别能力和个人信息存储的个人写作设备
公开(公告)号：US20110316665A1
公开(公告)日：2011-12-29
申请号：US12821681
申请日：2010-06-23
申请人： Evans Mehew , Scott Paintin , Dianna Lyons , Julene M. Robbins
发明人： Evans Mehew , Scott Paintin , Dianna Lyons , Julene M. Robbins
IPC分类号： G06F7/04
CPC分类号： G06F21/79 , G06F21/32 , G06Q20/206 , G06Q20/40145
摘要： Systems and method for a handheld biometrically secured user input device are described. A biometric authentication device may be coupled with a handheld enclosure, the biometric authentication device capable of collecting user authentication information from a user to authenticate the user's identity. A computer-readable storage device may be coupled with the handheld enclosure for storing confidential financial information of the user, wherein access to the confidential financial information is granted only after the user's identity has been authenticated. A sensor may be coupled with the handheld enclosure, capable of capturing the user's handwriting. Also, a communication device may be configured to transmit information gathered with the sensor to a computer system.
摘要翻译：描述了用于手持生物测定的用户输入设备的系统和方法。生物体认证设备可以与手持式机箱耦合，生物体认证设备能够从用户收集用户认证信息以认证用户的身份。计算机可读存储设备可以与手持式机箱耦合，用于存储用户的机密财务信息，其中仅在用户的身份认证之后才允许访问机密财务信息。传感器可以与手持式机箱耦合，能够捕获用户的笔迹。此外，通信设备可以被配置为将传感器收集的信息传输到计算机系统。

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