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1. 发明授权

US08744914B2 Mobile device consumer interface process and system 有权
标题翻译：移动设备消费者接口流程和系统
公开(公告)号：US08744914B2
公开(公告)日：2014-06-03
申请号：US12695838
申请日：2010-01-28
申请人： Felix A. Mon , Robert J. Mackenzie , Susan Smith Thomas , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Kazi M. Ariff , Erik Stephen Ross
发明人： Felix A. Mon , Robert J. Mackenzie , Susan Smith Thomas , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Kazi M. Ariff , Erik Stephen Ross
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q20/20 , G06Q20/32
CPC分类号： G06Q20/3272 , G06Q20/20 , G06Q20/32 , G06Q20/3276
摘要： Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer via consumer-readable communications. In one embodiment, a payment terminal proximate the point of sale communicates a transaction information signal to the mobile device. The mobile device communicates the transaction information to the consumer in a consumer-readable format such as audible sound waves. In some embodiments, the consumer-readable communications include requests for consumer input. The consumer input is received by an input device proximate the mobile device and communicated to the payment terminal. In some embodiments consumer input is received by the payment terminal as well as the mobile device, and in some embodiments, the consumer chooses whether to use the mobile device as an interface or only to use the payment terminal.
摘要翻译：提供了系统，方法和计算机程序产品，用于通过消费者可读通信向消费者提供交易信息，以在销售点与供应商交易期间帮助消费者。在一个实施例中，靠近销售点的支付终端将交易信息信号传送到移动设备。移动设备以诸如可听见的声波的消费者可读格式将交易信息传达给消费者。在一些实施例中，消费者可读通信包括对消费者输入的请求。消费者输入由靠近移动设备的输入设备接收并传送到支付终端。在一些实施例中，消费者输入由支付终端以及移动设备接收，并且在一些实施例中，消费者选择是使用移动设备作为接口还是仅使用支付终端。

2. 发明申请

US20110184820A1 MOBILE DEVICE CONSUMER INTERFACE PROCESS AND SYSTEM 有权
标题翻译：移动设备消费者接口过程和系统
公开(公告)号：US20110184820A1
公开(公告)日：2011-07-28
申请号：US12695838
申请日：2010-01-28
申请人： Felix A. Mon , Robert J. MacKenzie , Susan Smith Thomas , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Kazi M. Ariff , Erik Stephen Ross
发明人： Felix A. Mon , Robert J. MacKenzie , Susan Smith Thomas , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Kazi M. Ariff , Erik Stephen Ross
IPC分类号： G06Q20/00
CPC分类号： G06Q20/3272 , G06Q20/20 , G06Q20/32 , G06Q20/3276
摘要： Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer via consumer-readable communications. In one embodiment, a payment terminal proximate the point of sale communicates a transaction information signal to the mobile device. The mobile device communicates the transaction information to the consumer in a consumer-readable format such as audible sound waves. In some embodiments, the consumer-readable communications include requests for consumer input. The consumer input is received by an input device proximate the mobile device and communicated to the payment terminal. In some embodiments consumer input is received by the payment terminal as well as the mobile device, and in some embodiments, the consumer chooses whether to use the mobile device as an interface or only to use the payment terminal.
摘要翻译：提供了系统，方法和计算机程序产品，用于通过消费者可读通信向消费者提供交易信息，以在销售点与供应商交易期间帮助消费者。在一个实施例中，靠近销售点的支付终端将交易信息信号传送到移动设备。移动设备以诸如可听见的声波的消费者可读格式将交易信息传达给消费者。在一些实施例中，消费者可读通信包括对消费者输入的请求。消费者输入由靠近移动设备的输入设备接收并传送到支付终端。在一些实施例中，消费者输入由支付终端以及移动设备接收，并且在一些实施例中，消费者选择是使用移动设备作为接口还是仅使用支付终端。

3. 发明授权

US08738450B2 Audible transaction process and system 有权
标题翻译：声音交易流程和系统
公开(公告)号：US08738450B2
公开(公告)日：2014-05-27
申请号：US12695833
申请日：2010-01-28
申请人： Felix A. Mon , Robert J. MacKenzie , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Erik Stephen Ross
发明人： Felix A. Mon , Robert J. MacKenzie , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Erik Stephen Ross
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q30/00 , G06Q20/20 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer in an audible format. The system includes a consumer device and a payment terminal located proximate the point of sale. The consumer device, either a mobile device carried by the consumer or an immobile device also located proximate the point of sale, communicates with the payment terminal and receives transaction information such as product identity or amount information. The consumer device then produces sound waves audible to the consumer based on the communicated transaction information using one or more private and/or public listening devices. This audible transaction process can be performed automatically during a transaction or can be implemented based on consumer preference.
摘要翻译：提供系统，方法和计算机程序产品，以便在销售点的交易期间通过以可听的格式向消费者提供交易信息来帮助消费者。该系统包括位于销售点附近的消费者设备和支付终端。消费者设备，消费者携带的移动设备或者也位于销售点附近的固定设备与支付终端通信，并且接收诸如产品标识或数量信息之类的交易信息。然后，消费者设备基于使用一个或多个私人和/或公共收听设备的所传送的交易信息产生可听消费者的声音波。这种可听的交易过程可以在交易期间自动执行，或者可以基于消费者偏好来实现。

4. 发明申请

US20110184819A1 AUDIBLE TRANSACTION PROCESS AND SYSTEM 有权
标题翻译：可信交易过程和系统
公开(公告)号：US20110184819A1
公开(公告)日：2011-07-28
申请号：US12695833
申请日：2010-01-28
申请人： Felix A. Mon , Robert J. MacKenzie , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Erik Stephen Ross
发明人： Felix A. Mon , Robert J. MacKenzie , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong , Erik Stephen Ross
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q30/00 , G06Q20/20 , G06Q40/00
摘要： Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer in an audible format. The system includes a consumer device and a payment terminal located proximate the point of sale. The consumer device, either a mobile device carried by the consumer or an immobile device also located proximate the point of sale, communicates with the payment terminal and receives transaction information such as product identity or amount information. The consumer device then produces sound waves audible to the consumer based on the communicated transaction information using one or more private and/or public listening devices. This audible transaction process can be performed automatically during a transaction or can be implemented based on consumer preference.
摘要翻译：提供系统，方法和计算机程序产品，以便在销售点的交易期间通过以可听的格式向消费者提供交易信息来帮助消费者。该系统包括位于销售点附近的消费者设备和支付终端。消费者设备，消费者携带的移动设备或者也位于销售点附近的固定设备与支付终端通信，并且接收诸如产品标识或数量信息之类的交易信息。然后，消费者设备基于使用一个或多个私人和/或公共收听设备的所传送的交易信息产生可听消费者的声音波。这种可听的交易过程可以在交易期间自动执行，或者可以基于消费者偏好来实现。

5. 发明授权

US08469262B2 Cash folding apparatus and method 有权
标题翻译：现金折叠装置及方法
公开(公告)号：US08469262B2
公开(公告)日：2013-06-25
申请号：US12695867
申请日：2010-01-28
申请人： Felix A. Mon , William F. Borowski , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
发明人： Felix A. Mon , William F. Borowski , Susan Smith Thomas , Carl Frederick, II , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
IPC分类号： G06Q40/00 , G07D11/00 , G07F19/00
CPC分类号： G07F19/201 , G06Q20/1085 , G07D11/0021 , G07F19/20 , G07F19/203 , G09B21/003
摘要： Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense folded bills to the customer. The bills are folded based on denomination to allow the customer receiving the bills from the cash dispenser to be able to identify the denomination of each bill. In some embodiments, the cash dispenser is configured to automatically identify whether the customer prefers to receive folded bills and, in some embodiments, the cash dispenser is configured to fold and dispense bills according to customer preferences.
摘要翻译：本发明的实施例通过例如提供自动柜员机（ATM）或其他配置成向客户分配折叠票据的自动提款机来为视障者提供货币解决方案。纸币根据面额进行折叠，以便客户从自动提款机接收纸币以能够识别每个纸币的面额。在一些实施例中，自动提款机被配置为自动识别客户是否喜欢接收折叠纸币，并且在一些实施例中，自动提款机被配置为根据客户偏好来折叠和分发纸币。

6. 发明申请

US20110184864A1 CASH FOLDING APPARATUS AND METHOD 有权
标题翻译：现金折叠装置和方法
公开(公告)号：US20110184864A1
公开(公告)日：2011-07-28
申请号：US12695867
申请日：2010-01-28
申请人： Felix A. Mon , William F. Borowski , Susan Smith Thomas , Carl (II) Frederick , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
发明人： Felix A. Mon , William F. Borowski , Susan Smith Thomas , Carl (II) Frederick , Jason Michael Ackiss , Maile George , Robert Fleetwood Armstrong
IPC分类号： G06Q40/00 , B65D83/08
CPC分类号： G07F19/201 , G06Q20/1085 , G07D11/0021 , G07F19/20 , G07F19/203 , G09B21/003
摘要： Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense folded bills to the customer. The bills are folded based on denomination to allow the customer receiving the bills from the cash dispenser to be able to identify the denomination of each bill. In some embodiments, the cash dispenser is configured to automatically identify whether the customer prefers to receive folded bills and, in some embodiments, the cash dispenser is configured to fold and dispense bills according to customer preferences.
摘要翻译：本发明的实施例通过例如提供自动柜员机（ATM）或其他配置成向客户分配折叠票据的自动提款机来为视障者提供货币解决方案。纸币根据面额进行折叠，以便客户从自动提款机接收纸币以能够识别每个纸币的面额。在一些实施例中，自动提款机被配置为自动识别客户是否喜欢接收折叠纸币，并且在一些实施例中，自动提款机被配置为根据客户偏好来折叠和分发纸币。

7. 发明申请

US20120265678A1 SOCIAL NETWORK PAYMENT SETTLEMENT SYSTEM 有权
标题翻译：社会网络支付结算系统
公开(公告)号：US20120265678A1
公开(公告)日：2012-10-18
申请号：US13087909
申请日：2011-04-15
申请人： Erik Stephen Ross , Carrie Anne Hanson , Susan Smith Thomas
发明人： Erik Stephen Ross , Carrie Anne Hanson , Susan Smith Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q50/01
摘要： A method for effecting transfer of a payment amount to a merchant during a transaction between a customer and the merchant includes determining, using a processing device, a funds shortfall, accessing a funds sharing network comprising a plurality of users, identifying one or more of the users of the funds sharing network, requesting funds from the identified one or more users, and applying funds received from the one or more users to the funds shortfall. In some embodiments, identifying one or more of the users includes determining whether one or more of the users are indebted to the customer, determining levels of connection between two or more of the users and the customer, and developing a hierarchy of users based on the indebted users and the levels of connection.
摘要翻译：一种用于在客户和商家之间的交易期间将支付金额转移给商家的方法包括：使用处理装置确定资金短缺，访问包括多个用户的资金共享网络，识别一个或多个资金共享网络的用户，从所识别的一个或多个用户请求资金，以及从一个或多个用户收到的资金用于资金短缺。在一些实施例中，识别用户中的一个或多个包括确定一个或多个用户是否负责客户，确定两个或多个用户和客户之间的连接水平，以及基于负债用户和连接级别。

8. 发明申请

US20130046648A1 SHOPPING LIST SYSTEM AND PROCESS 审中-公开
标题翻译：购物清单系统和流程
公开(公告)号：US20130046648A1
公开(公告)日：2013-02-21
申请号：US13212094
申请日：2011-08-17
申请人： Matthew A. Calman , Susan Smith Thomas , Carrie Anne Hanson , Alicia C. Jones , Erik Stephen Ross
发明人： Matthew A. Calman , Susan Smith Thomas , Carrie Anne Hanson , Alicia C. Jones , Erik Stephen Ross
IPC分类号： G06Q30/00
CPC分类号： G06Q30/08
摘要： Embodiments of the invention allow a user to create a virtual shopping list that is used to identify offers for products in which the user is interested. The shopping list may be one single list or may be broken down into categories, in order to group like products together or group products together that can be purchased at one or more locations near each other. The shopping list may be transmitted to one or more businesses, such that the businesses may submit bid requests, in a reverse bid auction, for the one or more products on the shopping list. The best bids of the one or more businesses may be returned to the user. The bids may be identified as the best bids based on the lowest prices for the product, the best quality products, the proper quantities of the products, the locations at which the products are located, etc.
摘要翻译：本发明的实施例允许用户创建用于识别用户感兴趣的产品的提供的虚拟购物清单。购物清单可以是单个列表，或者可以分为类别，以将类似产品组合在一起，或将产品集合在一起，可以在彼此附近的一个或多个位置购买。购物清单可以被传送到一个或多个企业，使得商家可以在反向竞价拍卖中为购物清单上的一个或多个产品提交投标请求。一个或多个企业的最佳出价可能会退回给用户。可以根据产品的最低价格，最优质的产品，产品的适当数量，产品的位置等将出价确定为最佳出价。

9. 发明申请

US20110166994A1 DETERMINING A PAYMENT STRATEGY 有权
标题翻译：确定付款策略
公开(公告)号：US20110166994A1
公开(公告)日：2011-07-07
申请号：US12651580
申请日：2010-01-04
申请人： Erik Stephen Ross , Hans Dirk Schumacher , David Neil Joffe , Susan Smith Thomas
发明人： Erik Stephen Ross , Hans Dirk Schumacher , David Neil Joffe , Susan Smith Thomas
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/102 , G06Q20/40 , G06Q20/405 , G06Q40/00
摘要： Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or executing a payment strategy. For example, in some embodiments, a method is provided for determining a payment strategy for using at least some funds from a first account to make two or more payments on a second account during a single pay period. In such embodiments, the method includes: (1) determining that the second account includes a payment due date and a minimum payment due; (2) determining a number of payments to make on the second account; (3) determining a payment amount for each payment, such that the total payment amount for all of the payments is sufficient to at least offset the minimum payment due; and (4) determining a triggering event for each payment, such that each of the payments is made on or before the payment due date.
摘要翻译：本发明的实施例涉及用于确定，推荐和/或执行支付策略的方法和装置。例如，在一些实施例中，提供了一种用于确定用于使用来自第一帐户的至少一些资金以在单个支付周期期间在第二帐户上进行两次或多次支付的支付策略的方法。在这样的实施例中，该方法包括：（1）确定第二帐户包括支付到期日和到期的最低付款; （2）确定在第二个帐户上付款的数量; （3）确定每个付款的支付金额，使得所有付款的总支付金额足以至少抵消到期的最低付款额; 和（4）确定每次付款的触发事件，使得每个付款是在支付到期日之前或之前进行的。

10. 发明授权

US09026461B2 Enhanced mobile application for assisting users at a point of transaction 有权
标题翻译：增强的移动应用程序，用于在交易点协助用户
公开(公告)号：US09026461B2
公开(公告)日：2015-05-05
申请号：US13355900
申请日：2012-01-23
申请人： Matthew A. Calman , Erik Stephen Ross , Susan Smith Thomas , Jooyong Lee , Zhenshuo Fang , James Mulholland , Brendan Kiu , Nastasha Tan
发明人： Matthew A. Calman , Erik Stephen Ross , Susan Smith Thomas , Jooyong Lee , Zhenshuo Fang , James Mulholland , Brendan Kiu , Nastasha Tan
IPC分类号： G07F19/00 , G07F9/02 , G09B21/00
CPC分类号： G07F19/201 , G07F9/023 , G09B21/001
摘要： Embodiments of the invention include systems, methods, and computer-program products that provide for an enhanced mobile application for assisting users at a point-of-transaction (POT). In one embodiment of the invention the POT assistance application program may determines that a user is conducting a transaction with a merchant. The user may utilize a user device to assist in the transaction. First, the user device may be paired with a POT system, such as a cash register. Once the devices are paired a communication link is created that allows the user to audibly and/or visually monitor the transaction using the user device. Furthermore, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction using the POT assistance application program.
摘要翻译：本发明的实施例包括提供用于在交易点（POT）处协助用户的增强的移动应用的系统，方法和计算机程序产品。在本发明的一个实施例中，POT辅助应用程序可以确定用户正在与商家进行交易。用户可以利用用户设备来协助交易。首先，用户设备可以与诸如收银机的POT系统配对。一旦设备配对，创建通信链路，允许用户使用用户设备可听和/或可视地监视事务。此外，用户可以在交易期间标记待审查的项目，使交易静默，接收交易的小计，选择支付方法或使用POT辅助应用程序完成交易。

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