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1. 发明申请

US20140188702A1 CHANGING EMAIL TEXT BASED ON PAYMENT STATUS 有权
标题翻译：基于付款状态更改电子邮件文本
公开(公告)号：US20140188702A1
公开(公告)日：2014-07-03
申请号：US13731106
申请日：2012-12-30
申请人： Travis Harrison Kroll Green , Phillip Neal Sharp , Brian Maximilian Salay
发明人： Travis Harrison Kroll Green , Phillip Neal Sharp , Brian Maximilian Salay
IPC分类号： G06Q20/22
CPC分类号： G06Q20/223 , G06Q10/107 , G06Q20/10 , G06Q20/102
摘要： An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.
摘要翻译：一种电子邮件支付系统和方法，用于向用户提供通过电子邮件消息发送和向其他收件人发送付款的能力。在电子邮件客户端中提供用户界面，允许用户使用电子邮件插入付款。付款细节通过电子邮件客户端中显示的一个或多个付款模式收集。付款对象被插入到电子邮件的正文中，并显示给发件人和收件人。在支付对象中捕获的支付细节被传送到支付处理器。支付处理器使用与相应的发送者和接收者电子邮件地址相关联的电子支付帐户来识别相关电子支付账户并在所述帐户之间转移支付。在发送方和收件人电子邮件客户端中的电子邮件的付款对象中跟踪并显示支付交易的状态。

2. 发明申请

US20130262294A1 TRACKING AND MANAGING GROUP EXPENDITURES 审中-公开
标题翻译：跟踪和管理集团支出
公开(公告)号：US20130262294A1
公开(公告)日：2013-10-03
申请号：US13436491
申请日：2012-03-30
申请人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
IPC分类号： G06Q20/08 , G06Q40/00
CPC分类号： G06Q20/023 , G06Q10/10 , G06Q30/06 , G06Q40/02
摘要： A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.
摘要翻译：建立了包含多个用户的组。对于包括多个支付交易的组，维护交易记录。多个支付交易中的每一个涉及该组的至少一个用户。此外，维持余额，其基于多个支付交易中的一个或多个，将该组的第一个用户所欠的金额指示给该组的第二个用户。当发生结算事件时，通过在第一用户和第二用户之间启动资金转移来解决余额。

3. 发明授权

US08504066B1 Reducing power consumption of mobile device through automated environment awareness 有权
标题翻译：通过自动化环境意识降低移动设备的功耗
公开(公告)号：US08504066B1
公开(公告)日：2013-08-06
申请号：US13466586
申请日：2012-05-08
申请人： Travis Harrison Kroll Green , Aaron Baeten Brown , Sheridan Kates , Amir Menachem Mané , Arnaud Sahuguet , Jeremy Brand Sussman
发明人： Travis Harrison Kroll Green , Aaron Baeten Brown , Sheridan Kates , Amir Menachem Mané , Arnaud Sahuguet , Jeremy Brand Sussman
IPC分类号： H04M1/68 , H04W4/00
CPC分类号： G06F1/3203 , G06F1/3209 , G06F1/3287 , H04L67/16 , H04M1/72572 , H04W4/50 , H04W8/005 , H04W8/183 , H04W52/0251 , Y02D10/171 , Y02D70/142 , Y02D70/144 , Y02D70/164 , Y02D70/166
摘要： A computer-implemented method is provided for reducing power consumption of a power source used by a mobile device. The mobile device monitors aspects of its environment to determine if some or all of the device's computing functionality can be handled seamlessly by another nearby device. For example, phone calls can be directed to a landline phone nearby the mobile device. A device usage policy defines how certain functions are to be handled by the mobile device, for example, at a given location or amongst two devices. The mobile device can then disable functionality that is being handled by nearby devices, thereby reducing power consumption by the mobile device.
摘要翻译：提供了一种计算机实现的方法，用于降低由移动设备使用的电源的功耗。移动设备监视其环境的各个方面，以确定该设备的一些或所有计算功能是否可由另一附近设备无缝地处理。例如，电话可以被定向到移动设备附近的固定电话。设备使用策略定义了移动设备如何处理某些功能，例如在给定位置或两个设备之间。移动设备然后可以禁用附近设备正在处理的功能，从而降低移动设备的功耗。

4. 发明授权

US08423459B1 Prioritizing potential transaction counter-parties with social network content 有权
标题翻译：利用社交网络内容确定潜在交易对方的优先级
公开(公告)号：US08423459B1
公开(公告)日：2013-04-16
申请号：US13436817
申请日：2012-03-30
申请人： Travis Harrison Kroll Green , Narelle Cozens , Avery Pennarun , Peter Schmitt , Michael DePasquale , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Avery Pennarun , Peter Schmitt , Michael DePasquale , Boris Mizhen
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0269 , G06Q20/223 , G06Q20/322 , G06Q30/0281 , G06Q30/06 , G06Q30/0639 , G06Q50/01
摘要： A user installs a Peer-to-Peer Payment Application (“PPA”) on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System (“PPS”). The PPS may search for other devices within a certain proximity to the user that may be active. The PPS may search the social network content of the user to determine if any of the proximate devices users are likely counter-parties. If more than one likely counter-party is identified, the PPS may rank the counter-parties according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include their status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The PPS may transmit the ranked list of likely counter-parties to the PPA for display to the user on the device.
摘要翻译：用户在其移动设备上安装了对等支付应用（PPA）。 PPA将用户设备的位置发送到位于对等支付系统（PPS）中的服务器。 PPS可以在可能处于活动状态的用户的某一接近度内搜索其他设备。 PPS可以搜索用户的社交网络内容以确定任何邻近设备用户是否可能是对方。如果识别出不止一个可能的对方，则PPS可以根据定义与用户的连接强度的预先设定的一组因素对对方进行排序。这些因素可能包括其在用户社交网络中的状态，联系频率，先前交易或进一步建立关系的其他因素。 PPS可以将可能的对方的排名列表发送到PPA以在设备上向用户显示。

5. 发明授权

US08392971B1 Techniques for authenticating access to a private account at a public computing device using a user's mobile computing device 有权
标题翻译：用于使用用户的移动计算设备在公共计算设备上认证访问私人帐户的技术
公开(公告)号：US08392971B1
公开(公告)日：2013-03-05
申请号：US13487911
申请日：2012-06-04
申请人： Sheridan Kates , Arnaud Sahuguet , Amir Menachem Mané , Jeremy Brand Sussman , Aaron Baeten Brown , Travis Harrison Kroll Green
发明人： Sheridan Kates , Arnaud Sahuguet , Amir Menachem Mané , Jeremy Brand Sussman , Aaron Baeten Brown , Travis Harrison Kroll Green
IPC分类号： H04L29/06 , G06F7/04
CPC分类号： H04L63/08 , G06F21/34 , G06F21/42 , H04L63/18 , H04W4/023
摘要： A computer-implemented method technique is presented. The technique can include selectively initiating, at a mobile computing device including one or more processors, communication between the mobile computing device and a public computing device. The technique can include transmitting, from the mobile computing device, authentication information to the public computing device. The authentication information can indicate access privileges to a private account associated with a user of the mobile computing device. The technique can include receiving, at the mobile computing device, an access inquiry from the public computing device. The access inquiry can indicate an inquiry as to whether the user wishes to login to the private account at the public computing device. The technique can also include transmitting, from the mobile computing device, an access response to the public computing device. The access response can cause the public computing device to provide the user with access to the private account.
摘要翻译：提出了一种计算机实现的方法技术。该技术可以包括在包括一个或多个处理器的移动计算设备处选择性地启动移动计算设备与公共计算设备之间的通信。该技术可以包括从移动计算设备向公共计算设备发送认证信息。认证信息可以指示与移动计算设备的用户相关联的私人帐户的访问权限。该技术可以包括在移动计算设备处接收来自公共计算设备的访问查询。访问查询可以指示用户是否希望在公共计算设备登录到私人帐户的询问。该技术还可以包括从移动计算设备向公共计算设备发送访问响应。访问响应可以使公共计算设备向用户提供对私有帐户的访问。

6. 发明授权

US10026119B2 Efficient transfer of funds between accounts 有权
公开(公告)号：US10026119B2
公开(公告)日：2018-07-17
申请号：US13608834
申请日：2012-09-10
申请人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
IPC分类号： G06Q40/00 , G06Q40/02
摘要： A transfer management system receives a request to transfer an amount of funds from a transferring account maintained by a transferring bank to a receiving account maintained by a receiving bank. The transfer management system determines whether the transferring bank maintains an intermediate transferring account, and whether the receiving bank maintains an intermediate receiving account. If the transferring bank maintains an intermediate transferring account and the receiving maintains an intermediate receiving account, the transfer management system transmits to a transferring bank system of the transferring bank an intra-bank transfer request. The intra-bank transfer request is to transfer the amount of funds from the transferring account to the intermediate transferring account. Additionally, the transfer management system transmits an intra-bank transfer request to a receiving bank system of the receiving bank to transfer the amount of funds from the intermediate receiving account maintained by the receiving bank to the receiving account.

7. 发明申请

US20160132859A1 INITIATING PEER-TO-PEER TRANSACTIONS WITH A MAGNETIC STRIP CARD 审中-公开
标题翻译：用磁条卡启动对等交易
公开(公告)号：US20160132859A1
公开(公告)日：2016-05-12
申请号：US13436819
申请日：2012-03-30
申请人： Travis Harrison Kroll Green , Avery Pennarun
发明人： Travis Harrison Kroll Green , Avery Pennarun
IPC分类号： G06Q20/40 , G06Q20/42 , G06Q20/32 , G06Q20/20 , G06Q20/34
CPC分类号： G06Q20/223 , G06Q20/204 , G06Q20/42
摘要： The present invention provides a computer-implemented method to conduct a peer-to-peer transaction. A peer-to-peer transaction system receives a request for transaction approval from a merchant network device. The request includes user account information captured from a magnetic strip card encoded with the user account information and transaction information. The peer-to-peer transaction system determines that the transaction information is valid; transmits a request for authorization of the transaction to a user network device; receives an indication that the user authorized the transaction; transmits an approval of the transaction to a merchant network device; and conducts the transaction.
摘要翻译：本发明提供了一种进行对等交易的计算机实现的方法。对等交易系统从商家网络设备接收交易批准请求。该请求包括从由用户帐户信息和交易信息编码的磁条卡捕获的用户帐户信息。对等交易系统确定交易信息有效; 向所述用户网络设备发送所述交易的授权请求; 收到用户授权交易的指示; 将交易的批准传送给商家网络设备; 并进行交易。

8. 发明授权

US10410184B2 Tracking and managing group expenditures 有权
公开(公告)号：US10410184B2
公开(公告)日：2019-09-10
申请号：US13436491
申请日：2012-03-30
申请人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
IPC分类号： G06Q10/00 , G06Q30/00 , G06Q40/00 , G06Q20/02 , G06Q10/10 , G06Q30/06 , G06Q40/02
摘要： A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.

9. 发明申请

US20140074709A1 EFFICIENT TRANSFER OF FUNDS BETWEEN ACCOUNTS 有权
标题翻译：资金之间的有效转移
公开(公告)号：US20140074709A1
公开(公告)日：2014-03-13
申请号：US13608834
申请日：2012-09-10
申请人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q40/00
摘要： A transfer management system receives a request to transfer an amount of funds from a transferring account maintained by a transferring bank to a receiving account maintained by a receiving bank. The transfer management system determines whether the transferring bank maintains an intermediate transferring account, and whether the receiving bank maintains an intermediate receiving account. If the transferring bank maintains an intermediate transferring account and the receiving maintains an intermediate receiving account, the transfer management system transmits to a transferring bank system of the transferring bank an intra-bank transfer request. The intra-bank transfer request is to transfer the amount of funds from the transferring account to the intermediate transferring account. Additionally, the transfer management system transmits an intra-bank transfer request to a receiving bank system of the receiving bank to transfer the amount of funds from the intermediate receiving account maintained by the receiving bank to the receiving account.
摘要翻译：转移管理系统接收从转账银行转账的汇款账户将金额转入接收银行维护的接收账户的请求。转账管理系统确定转账银行是否维持一个中间转账账户，以及接收银行是否维持一个中间帐号。如果转移银行维持中间转帐账户，并且接收方维护中间接收账户，则转账管理系统向转账银行的转账银行系统发送银行内转账请求。银行间转账请求是将资金从转账账户转入中转账户。另外，转账管理系统向接收银行的接收银行系统发送银行内转账请求，将来自接收银行维护的中间接收账户的资金金额转移给接收账户。

10. 发明申请

US20130332357A1 SETTING PEER-TO-PEER AUTHORIZATION LEVELS WITH SOCIAL NETWORK CONTENT 审中-公开
标题翻译：设置与对等网络授权级别与社会网络内容
公开(公告)号：US20130332357A1
公开(公告)日：2013-12-12
申请号：US13490423
申请日：2012-06-06
申请人： Travis Harrison Kroll Green , Narelle Cozens , Avery Pennarun , Peter Schmitt , Michael DePasquale , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Avery Pennarun , Peter Schmitt , Michael DePasquale , Boris Mizhen
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/223 , G06Q20/3223 , G06Q50/01
摘要： The invention provides a computer-implemented method for using the social networking content of a user to determine authentication levels required for a peer-to-peer transaction. A user inputs transaction counter-party and transaction details into a payment application. The information can be transmitted to a server located in a peer-to-peer payment system. The system may search the social network content of the user to determine the account information of the counter-party and to assess the security risk of the counter-party according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include the counter-party's status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The system may determine the level of transaction authentication required to process the transaction. The user may enter the authentication data to complete the transaction.
摘要翻译：本发明提供了一种用于使用用户的社交网络内容来确定对等交易所需的认证级别的计算机实现的方法。用户将交易对方和交易细节输入到支付应用程序中。该信息可以被发送到位于对等支付系统中的服务器。系统可以搜索用户的社交网络内容以确定对方的帐户信息，并根据定义与用户的连接强度的预先设定的因素集来评估对方的安全风险。这些因素可能包括对方在用户社交网络中的状态，联系频率，先前交易或进一步建立关系的其他因素。系统可以确定处理交易所需的交易认证的级别。用户可以输入认证数据来完成交易。

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