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81. 发明申请

US20160350736A1 MERCHANT ALERT BASED SYSTEM AND METHOD INCLUDING CUSTOMER PRESENCE NOTIFICATION 审中-公开
标题翻译：基于商业警报的系统和包括客户存在通知的方法
公开(公告)号：US20160350736A1
公开(公告)日：2016-12-01
申请号：US15236294
申请日：2016-08-12
申请人： Mark Carlson , Patrick Stan , Ayman Hammad , Ben Rewis , Patrick L. Faith
发明人： Mark Carlson , Patrick Stan , Ayman Hammad , Ben Rewis , Patrick L. Faith
IPC分类号： G06Q20/20 , H04L29/08 , G06Q30/02
CPC分类号： G06Q20/206 , G06Q30/02 , G06Q30/0201 , G06Q30/0269 , G06Q50/182 , G06Q50/265 , H04L67/22
摘要： Embodiments of the present invention disclosed herein include systems and methods for sending merchant alert messages. The merchant can specify criteria indicating the types of customers for which he desires to receive alerts. Merchant alert messages can be sent based on characteristics of a customer, including the customer's proximity to the merchant. The merchant can use the alert message to provide better service to the customer or prevent the customer from engaging in transactions, depending on the contents of the merchant alert message.
摘要翻译：本文公开的本发明的实施例包括用于发送商家警报消息的系统和方法。商家可以指定指示他希望接收警报的客户类型的标准。可以根据客户的特征（包括客户与商家的邻近度）发送商家警报消息。商家可以根据商家警报消息的内容，使用警报消息为客户提供更好的服务或阻止客户从事交易。

82. 发明申请

US20160335618A1 Method and apparatus for providing e-commerce and m-commerce 审中-公开
标题翻译：提供电子商务和电子商务的方法和设备
公开(公告)号：US20160335618A1
公开(公告)日：2016-11-17
申请号：US11739044
申请日：2007-04-23
申请人： Liang Seng Koh , Hsin Pan , Futong Cho , Fuliang Cho
发明人： Liang Seng Koh , Hsin Pan , Futong Cho , Fuliang Cho
IPC分类号： G06Q20/20 , G06Q20/34 , G06Q20/38 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/206 , G06Q20/06 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/32 , G06Q20/3278 , G06Q20/34 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/38 , G06Q20/382 , G06Q20/3829 , G06Q20/4014
摘要： Techniques for portable devices functioning as an electronic purchaser (e.g., e-purse) and/or an electronic mobile seller (e.g., mobile point-of-sales (POS)) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct e-commerce and m-commerce transactions over an open network with a payment server and/or a POS transaction server without compromising security. In one embodiment, a portable device is loaded with an e-purse as an electronic mobile purchaser. In another embodiment, the portable device is installed with a mobile POS as an electronic mobile seller.
摘要翻译：公开了用作电子购买者（例如，电子钱包）和/或电子移动卖家（例如，移动销售点（POS））的便携式设备的技术。根据本发明的一个方面，提供了一种机制，使得便携式设备能够通过开放网络与支付服务器和/或POS交易服务器进行电子商务和移动商务交易，而不会影响安全性。在一个实施例中，便携式设备装载有作为电子移动购买者的电子钱包。在另一个实施例中，便携式设备安装有作为电子移动卖家的移动POS。

83. 发明申请

US20160321639A1 CUSTOMER MANAGEMENT SYSTEM, CUSTOMER MANAGEMENT APPARATUS AND CUSTOMER MANAGEMENT METHOD 审中-公开
标题翻译：客户管理系统，客户管理设备和客户管理方法
公开(公告)号：US20160321639A1
公开(公告)日：2016-11-03
申请号：US15131224
申请日：2016-04-18
申请人： TOSHIBA TEC KABUSHIKI KAISHA
发明人： Takeshi Haraguchi , Toshiyasu Terahara , Takahiro Shimura , Yuki Kawaguchi
IPC分类号： G06Q20/20 , G06K7/10 , G06Q30/00 , G06K7/14
CPC分类号： G06Q20/206 , G06K7/10722 , G06K7/1417 , G06Q20/202 , G06Q20/208 , G06Q20/40145 , G06Q30/0185 , G07G1/0036 , G07G1/0054 , G07G1/14
摘要： A customer management apparatus comprises a registration processing section configured to register customer management data containing commodity information indicating a commodity purchased by a customer and a customer image for specifying the customer; a selection processing section configured to acquire the customer image for specifying the customer to select, from all the customer management data registered by the registration processing section, customer management data containing a customer image matching with the acquired customer image; and a settlement processing section configured to carry out a settlement processing based on the commodity information contained in the customer management data selected by the selection processing section.
摘要翻译：客户管理装置包括登记处理部，其配置为登记包含表示由顾客购买的商品的商品信息的客户管理数据和用于指定顾客的顾客图像; 选择处理部，被配置为从所述注册处理部登记的所有客户管理数据中获取用于指定所述顾客的客户图像，所述客户管理数据包含与获取的客户图像匹配的客户图像; 以及结算处理部，被配置为基于由所述选择处理部选择的所述客户管理数据中包含的商品信息执行结算处理。

84. 发明申请

US20160308970A1 PUBLIC TRANSPORT FACILITIES INTERACTIVE INTERCONNECTED SYSTEM SUPPORTING INFORMATION ACCESSIBILITY 审中-公开
标题翻译：公共交通设施交互式互连系统支持信息可及性
公开(公告)号：US20160308970A1
公开(公告)日：2016-10-20
申请号：US15028356
申请日：2014-05-04
申请人： Yimwai YAU
发明人： Yimwai YAU
IPC分类号： H04L29/08 , H04W4/00
CPC分类号： H04L67/12 , G06Q20/102 , G06Q20/206 , G06Q20/3223 , H04W4/80 , H04W76/10 , H04W84/12
摘要： The present invention relates to an information associated technology supporting multi-media products, in particular to an interactive interconnected system supporting public transportation facility with information accessibility; the system includes a wireless fidelity (WIFI) communication terminal product, media-oriented products that support an interactive interconnected system in seamless connection with WIFI and a WIFI device, characterized in that, the interactive interconnected system consists of a multimedia information signal, an electronic reading device and an electronic transmitter-receiver; the multimedia information signal is a combination of multimedia information data and associated data; the associated data includes a URI (Uniform Resource Identifier) and associated data-oriented programming command; the associated data reception circuit is equipped with a short-distance signal transmission-reception circuit supported by a WIFI device; and the WIFI device is connected with a special data service center.
摘要翻译：本发明涉及支持多媒体产品的信息相关技术，特别是涉及支持具有信息可及性的公共交通设施的交互式互连系统; 该系统包括无线保真（WIFI）通信终端产品，支持与WIFI和WIFI设备无缝连接的交互式互联系统的媒体产品，其特征在于，互动互连系统由多媒体信息信号，电子读取装置和电子发射器 - 接收器; 多媒体信息信号是多媒体信息数据和相关数据的组合; 相关联的数据包括URI（统一资源标识符）和相关的面向数据的编程命令; 相关联的数据接收电路配备有由WIFI装置支持的短距离信号发送接收电路; WIFI设备与专用数据服务中心连接。

85. 发明授权

US09471921B1 Secure mobile payment authorization 有权
公开(公告)号：US09471921B1
公开(公告)日：2016-10-18
申请号：US13907772
申请日：2013-05-31
申请人： Christian G. Dalit , Colin J. Roper
发明人： Christian G. Dalit , Colin J. Roper
IPC分类号： G06Q10/00 , G06Q20/00 , G06F21/00 , G06Q20/40 , G06Q20/32 , G06Q20/22
CPC分类号： G06Q20/4016 , G06F21/32 , G06F21/35 , G06Q20/206 , G06Q20/22 , G06Q20/3221 , G06Q20/40145
摘要： A method to authorize a mobile payment for a transaction. The method includes receiving a facial image of a consumer who requests the mobile payment for the transaction using account information stored in a mobile device of the consumer, wherein the facial image is provided by a point-of-sale (POS) device while initiating the transaction on behalf of the consumer, receiving a verified facial image of an account holder, comparing the facial image of the consumer and the verified facial image of the account holder based on a pre-determined criterion to verify the consumer as the account holder, generating, in response to verifying the consumer as the account holder, an authorization of the mobile payment based on the account information, and sending the authorization to the POS device to complete the transaction.

86. 发明申请

US20160302041A1 DISTRIBUTED METHOD AND SYSTEM FOR CALIBRATING THE POSITION OF A MOBILE DEVICE 审中-公开
公开(公告)号：US20160302041A1
公开(公告)日：2016-10-13
申请号：US15095153
申请日：2016-04-10
申请人： Golba LLC
发明人： Mehran Moshfeghi
IPC分类号： H04W4/02 , H04B5/00 , G06K19/07 , G01S5/02 , G06Q20/40 , G06Q20/32 , H04W4/00 , G01S19/48
CPC分类号： H04W4/02 , G01S5/0009 , G01S5/021 , G01S5/0236 , G01S5/0257 , G01S19/48 , G06K19/0712 , G06Q20/202 , G06Q20/206 , G06Q20/3224 , G06Q20/409 , H04B5/0043 , H04W4/021 , H04W4/027 , H04W4/029 , H04W4/80 , H04W64/00 , Y02B70/30 , Y02D70/00
摘要： A method and system is described where a plurality of position reference devices use short-range wireless communication protocols to transmit positioning assistance data to nearby mobile devices, and the mobile devices use the assistance data to re-calibrate their positioning systems. In some embodiments, mobile device includes an accelerometer and the accelerometer measurements are used to calculate an updated velocity of the mobile device and an updated position of the mobile device based on the accelerometer measurements and previous velocity and position of the mobile device. The short-range communication methods include NFC, RFID, Bluetooth®, short-range 802.11, Wi-Fi Direct, and high frequency focused beams such as 60 GHz. The position reference devices are passive or active NFC tags, passive or active RFID tags, other devices that include such tags as their components, Bluetooth®-enabled devices, 60 GHz-enabled devices, and 802.11 access points that can lower their transmit power.

87. 发明申请

US20160283932A1 MOBILE BANKING PAYMENT INTERACTIVE INTERCONNECTED SYSTEM SUPPORTING INFORMATION ACCESSIBILITY 审中-公开
标题翻译：移动银行支付交互式互连系统支持信息可访问性
公开(公告)号：US20160283932A1
公开(公告)日：2016-09-29
申请号：US15028398
申请日：2014-05-04
申请人： Yimwai YAU
发明人： Yimwai YAU
IPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , H04W4/00
CPC分类号： H04L67/12 , G06Q20/102 , G06Q20/206 , G06Q20/3223 , H04W4/80 , H04W76/10 , H04W84/12
摘要： The present invention relates to information associated technologies of multi-media products, in particular to an interactive interconnected system supporting information accessibility payment service of mobile banking, wherein the system comprises a communication terminal product that support interactive interconnected system, media-oriented products that support interactive interconnected system and an electronic payment system, characterized in that, the interactive interconnected system consists of a multimedia information signal, an electronic reading device and an electronic transmitter-receiver; the multimedia information signal is a combination of multimedia information data and associated data; the associated data includes a URI (Uniform Resource Identifier) and associated data-oriented programming command; the associated data reception circuit is equipped with a short-distance signal transmission-reception circuit supported by a WIFI device; and the electronic payment system provides the electronic payment services of different banks, and supports electronic payment operation of both payers and payees.
摘要翻译：本发明涉及多媒体产品的信息相关技术，特别涉及一种支持移动银行信息可访问性支付服务的互动互连系统，其中该系统包括支持交互式互联系统的通信终端产品，支持媒体的产品交互式互联系统和电子支付系统，其特征在于，所述交互式互连系统由多媒体信息信号，电子阅读装置和电子发送器 - 接收器组成; 多媒体信息信号是多媒体信息数据和相关数据的组合; 相关联的数据包括URI（统一资源标识符）和相关的面向数据的编程命令; 相关联的数据接收电路配备有由WIFI装置支持的短距离信号发送接收电路; 电子支付系统提供不同银行的电子支付服务，支持付款人和收款人的电子支付操作。

88. 发明申请

US20160277450A1 SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR ADAPTING THE SECURITY MEASURES OF A COMMUNICATION NETWORK BASED ON FEEDBACK 有权
标题翻译：用于适应基于反馈的通信网络的安全措施的系统，方法和计算机程序产品
公开(公告)号：US20160277450A1
公开(公告)日：2016-09-22
申请号：US15166673
申请日：2016-05-27
申请人： American Express Travel Related Services Company, Inc.
发明人： Samuel A. Bailey, JR.
IPC分类号： H04L29/06 , G06Q20/40
CPC分类号： H04L63/205 , G06F21/552 , G06F21/57 , G06F21/577 , G06F21/602 , G06Q20/206 , G06Q20/3223 , G06Q20/382 , G06Q20/40 , H04L63/06 , H04L63/105 , H04L63/1425 , H04L63/1433 , H04L63/20 , H04W12/12
摘要： An adaptable network security system includes trust mediator agents that are coupled to each network component. Trust mediator agents continuously detect changes in the security characteristics of the network and communicate the detected security characteristics to a trust mediator. Based on the security characteristics received from the trust mediator agents, the trust mediator adjusts security safeguards to maintain an acceptable level of security. Trust mediator also uses predetermined rules in determining whether to adjust security safeguards. Despite inevitable changes in security characteristics, an acceptable level of security and efficient network operation are achieved without subjecting users of the network to over burdensome security safeguards.
摘要翻译：适应性强的网络安全系统包括耦合到每个网络组件的信任中介代理。信任中介代理持续检测网络安全特性的变化，并将检测到的安全特性传达给信任中介。基于从信托媒介代理收到的安全特性，信任调解员调整安全保障措施，以保持可接受的安全级别。信任调解员还使用预定的规则来确定是否调整安全保障措施。尽管安全特性发生了不可避免的变化，但是在不使网络用户承受过度安全保护的情况下，实现了可接受的安全性和高效的网络运行水平。

89. 发明申请

US20160253649A1 POINT-OF SALE SYSTEMS 有权
标题翻译：要点销售系统
公开(公告)号：US20160253649A1
公开(公告)日：2016-09-01
申请号：US15150080
申请日：2016-05-09
申请人： PayPal, Inc.
发明人： Satish Govindarajan , Michael Voege , Murthy Bobba , Khiem Pham , Gunabalan Babu , Uris Dacosta , Richard Tilghman
IPC分类号： G06Q20/20 , G06F1/16
CPC分类号： G06Q20/206 , G06F1/1632 , G06F1/1633 , G06Q20/204 , G06Q20/208 , G06Q90/00 , G07G1/0018 , G07G1/12 , G07G5/00
摘要： A point-of-sale (POS) system is provided. The POS system may include an adjustable housing configured to receive a computing device. The POS system housing may be adjustable so that a screen of the computing device can be viewed by a merchant and a customer. The computing device may be removable from the housing for use as a mobile POS system. The POS system may also include electronics for accepting various forms of payment and for connecting the computing device to a network.
摘要翻译：提供销售点（POS）系统。 POS系统可以包括被配置为接收计算设备的可调整壳体。 POS系统壳体可以是可调节的，使得计算设备的屏幕可以由商家和客户观看。计算设备可以从壳体移除以用作移动POS系统。 POS系统还可以包括用于接受各种形式的支付和用于将计算设备连接到网络的电子装置。

90. 发明申请

US20160241541A1 Point of Sale Pairing 有权
标题翻译：销售点配对
公开(公告)号：US20160241541A1
公开(公告)日：2016-08-18
申请号：US14620318
申请日：2015-02-12
申请人： AT&T MOBILITY II, LLC
发明人： Emily Soelberg , Glenn Blumstein , Ginger Chien , Murali Narayanan , Bradley Richard Ree , Venson Shaw
IPC分类号： H04L29/06 , H04W12/08 , H04W4/00 , H04W12/06 , G06Q20/20 , G06Q20/32
CPC分类号： G06Q20/206 , G06Q20/12 , G06Q20/202 , G06Q20/209 , G06Q20/322 , G06Q20/3255 , G06Q40/12 , H04L41/0806 , H04L61/1541 , H04L63/083 , H04L63/0876 , H04M2203/558 , H04W4/70 , H04W4/80 , H04W8/24 , H04W12/06 , H04W12/08
摘要： Wireless pairing is automatically performed based on purchase. By providing a unique identifier of a cellular customer, a wireless device may be automatically paired to a residential wireless network. A central database, for example, may store networking credentials associated with residential wireless networks. When the cellular customer purchases the wireless device, a server may query the central database for a cellular telephone number associated with the cellular customer. The server may thus retrieve the networking credentials that are associated with the cellular telephone number.
摘要翻译：基于购买自动执行无线配对。通过提供蜂窝客户的唯一标识符，无线设备可以自动地与住宅无线网络配对。例如，中央数据库可以存储与住宅无线网络相关联的联网凭证。当蜂窝客户购买无线设备时，服务器可以向中央数据库查询与蜂窝客户相关联的蜂窝电话号码。因此，服务器可以检索与蜂窝电话号码相关联的网络凭证。

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