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1. 发明申请

US20120271712A1 IN-PERSON ONE-TAP PURCHASING APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：个人一手购买设备，方法和系统
公开(公告)号：US20120271712A1
公开(公告)日：2012-10-25
申请号：US13429670
申请日：2012-03-26
申请人： Edward Katzin , John Kheit , Ayman Hammad , Julian Hua , Jerry Wald
发明人： Edward Katzin , John Kheit , Ayman Hammad , Julian Hua , Jerry Wald
IPC分类号： G06Q30/06 , G06Q30/02
CPC分类号： G06Q30/06 , G06Q20/0453 , G06Q20/20 , G06Q20/209 , G06Q20/3221 , G06Q20/3274 , G06Q20/3276 , G06Q20/36 , G06Q20/387 , G06Q30/0251 , G07G1/0036 , G07G1/0081 , G07G3/003
摘要： Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user's smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat.
摘要翻译：公开了用于将产品代码快照转换为实时，提供驱动的电子购买交易通知以减少欺诈的方法，系统和设备。在一个实施例中，智能手机从产品包中扫描产品标识符，服务器访问产品数据库以获得与产品标识符相关联的产品购买提议，用户从他或她的钱包授权信用卡收费，然后产品购买提供或其他信用卡优惠（用于积分或其他）提供给用户移动设备。在用户在商店的通道中购买物品之后，用户的智能手机显示可由出口扫描的条形码电子收据，以便消费者可以随着产品走出去。在一些实施例中，客户服务代表请求视频聊天，并且基于视频聊天的接受降低交易风险分数。

2. 发明申请

US20130218721A1 TRANSACTION VISUAL CAPTURING APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：交易视觉捕获设备，方法和系统
公开(公告)号：US20130218721A1
公开(公告)日：2013-08-22
申请号：US13735802
申请日：2013-01-07
申请人： Ernest Borhan , Ayman Hammad , Thomas Purves , Julian Hua , Jerry Wald
发明人： Ernest Borhan , Ayman Hammad , Thomas Purves , Julian Hua , Jerry Wald
IPC分类号： G06Q30/06
摘要： The TRANSACTION VISUAL CAPTURING APPARATUSES, METHODS AND SYSTEMS (“TVC”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, and mixed gesture capturing via TVC components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the TVC obtains user check-in information from a user mobile device upon user entry into a store. The TVC extracts a user identifier based on the user check-in information, and accesses a database for a user profile. The TVC determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device. Using these, the TVC generates and provides a recommendation to the user mobile device. The TVC adds a product for purchase by the user to a cart based on the provided recommendation. Upon obtaining an indication that the user desires to purchase the product added to the cart, the TVC initiates a purchase transaction for the product added to the cart, and provides an electronic receipt to the user mobile device.
摘要翻译：交易视觉捕获设备，方法和系统（“TVC”）将移动设备位置坐标信息传输，实时现实视觉捕获和通过TVC组件的混合姿态捕获转换成实时行为敏感的产品购买相关信息，购物购买交易通知和电子收据。在一个实现中，TVC在用户进入商店时从用户移动设备获得用户签入信息。 TVC基于用户登录信息提取用户标识符，并访问用户简档的数据库。 TVC从所访问的用户简档确定用户先前的行为模式，并且从用户移动设备获得用户实时的店内行为数据。使用这些，TVC生成并向用户移动设备提供推荐。 TVC根据提供的建议，将用户购买的产品添加到购物车中。在获得用户希望购买添加到购物车中的产品的指示时，TVC发起添加到购物车中的商品的购买交易，并向用户移动装置提供电子收据。

3. 发明申请

US20190102707A1 APPLICATION PROGRAMMING INTERFACE FOR A LEARNING CONCIERGE SYSTEM AND METHOD 审中-公开
公开(公告)号：US20190102707A1
公开(公告)日：2019-04-04
申请号：US15723767
申请日：2017-10-03
申请人： Jerry Wald
发明人： Jerry Wald
IPC分类号： G06Q10/02 , G06Q10/10 , G06Q30/06 , G06F17/30
摘要： The described system and method reviews past receipts from purchases and past purchase patterns and, in response to a request, returns a recommendation about future scheduling or future purchases.

4. 发明申请

US20190149524A1 PROVIDING ASSERTIONS REGARDING ENTITIES 审中-公开
公开(公告)号：US20190149524A1
公开(公告)日：2019-05-16
申请号：US16193848
申请日：2018-11-16
申请人： Michael Steven Bankston , Erik Christopher Friend , Jerry Wald , Victor Zhiltsov
发明人： Michael Steven Bankston , Erik Christopher Friend , Jerry Wald , Victor Zhiltsov
IPC分类号： H04L29/06
摘要： Methods and systems disclosed herein relate to providing a receiving entity with a package of assertions. A package of assertions may include a group of yes or no statements (e.g., as an answer to a question). Alternatively, or additionally, a package of assertions may comprise a clustered assertion, which is a singular yes or no statement, that is itself based on a set of underlying assertions made using information from one or more sources. A particular type of package of assertions may be selected based on the relying entity requesting the assertions, based on an assertions model. The package of assertions may be cryptographically secured.

5. 发明申请

US20170337554A1 AUTHENTICATION WITH SMARTWATCH 审中-公开
公开(公告)号：US20170337554A1
公开(公告)日：2017-11-23
申请号：US15159627
申请日：2016-05-19
申请人： Gaurav Srikant Mokhasi , Jerry Wald
发明人： Gaurav Srikant Mokhasi , Jerry Wald
IPC分类号： G06Q20/40 , G06F21/62 , G06F3/0485 , G06F3/0481 , G06F3/0484 , G06F3/0482 , G06Q20/32 , G06F3/0488
CPC分类号： G06Q20/4014 , G04G21/00 , G06F1/163 , G06F3/0362 , G06F3/04817 , G06F3/0482 , G06F3/04842 , G06F3/04847 , G06F3/0485 , G06F3/0487 , G06F3/04883 , G06F21/31 , G06F21/45 , G06F21/6218 , G06Q20/3278 , G06Q20/4012 , H04W12/06
摘要： Embodiments of the disclosure are directed to performing a transaction between a smartwatch and an access device. Transaction details are transmitted by an antenna of a smartwatch to a contactless transaction module. An interface is rendered to a display of the smartwatch. An input of the interface is adjusted in response to a rotation of a crown of the smartwatch. The input is transmitted, by the antenna of the smartwatch, to a contactless transaction module in response to a confirmation of the input by a user of the smartwatch.

6. 发明申请

US20200265435A1 IDENTITY-BASED TRANSACTION PROCESSING 审中-公开
公开(公告)号：US20200265435A1
公开(公告)日：2020-08-20
申请号：US16277587
申请日：2019-02-15
申请人： Michael Bankston , Erik Friend , Jerry Wald
发明人： Michael Bankston , Erik Friend , Jerry Wald
IPC分类号： G06Q20/40 , H04L9/32 , H04L9/00
摘要： Methods and systems disclosed herein related to analyzing the risk of an identity-based transaction and offering the identity-based transaction to a risk exchange. An identity-based transaction may be a transaction that is initiated with a digital identity, and an assertions model manager may provide assertions about the digital identity for completing the identity-based transaction. The assertions model manager may use the assertions and information about the identity-based transaction to analyze transaction risk. A risk score for the identity-based transaction can be calculated, and then the identity-based transaction may be offered on a risk exchange.

7. 发明申请

US20120232980A1 DONATION KIOSK 审中-公开
标题翻译：捐款KIOSK
公开(公告)号：US20120232980A1
公开(公告)日：2012-09-13
申请号：US13414313
申请日：2012-03-07
申请人： Jerry Wald , Zack Fuerstenberg
发明人： Jerry Wald , Zack Fuerstenberg
IPC分类号： G06Q20/22 , H04W4/16 , G06Q20/20 , G06Q30/02
CPC分类号： G06Q30/0233 , G06Q20/18 , G06Q20/32
摘要： Methods, devices, and systems for charitable giving are disclosed. A consumer can set up a target amount of charitable giving that he or she wishes to pledge during a year, and amounts given toward that goal in various transactions can be summed and compared against the target. A consumer can change his or her target or contribution amounts based on projections toward a year-end date. Customer loyalty points, such as reward points, airline miles, hotel stays, etc. can be converted to cash equivalents and given to charity toward the personal goal if they are about to expire and could be used to meet a targeted charitable amount. Web portals and wireless kiosks located in public areas can accept payments, update users on their gift levels, and generally remind people to contribute to charity.
摘要翻译：披露了慈善捐赠的方法，设备和系统。消费者可以设定一年内愿意承诺的慈善捐赠的目标金额，并可以将各种交易中的这一目标的金额与目标进行总结和比较。消费者可以根据年终预测来改变其目标或贡献金额。客户忠诚度积分，如奖励积分，航空里程，酒店住宿等可以转换为现金等价物，并将慈善捐赠给个人目标，如果他们即将到期，并可用于达到目标慈善金额。位于公共区域的网络门户和无线信息亭可以接受付款，更新用户的礼品级别，并通常提醒人们为慈善事业做出贡献。

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