公开(公告)号：US09047639B1

公开(公告)日：2015-06-02

申请号：US12879866

申请日：2010-09-10

申请人： John Harden Quintiliani ,  Brian Thomas Borders ,  Lomney Ann Bryan ,  Paul Ronald DeKoster ,  Doris Maria Garrett ,  Katherine Elizabeth Sutton ,  Tamara S. Kingston ,  John Franklin Tuders ,  Erik Stephen Ross

发明人： John Harden Quintiliani ,  Brian Thomas Borders ,  Lomney Ann Bryan ,  Paul Ronald DeKoster ,  Doris Maria Garrett ,  Katherine Elizabeth Sutton ,  Tamara S. Kingston ,  John Franklin Tuders ,  Erik Stephen Ross

IPC分类号： G06Q20/00 ,  G06Q40/00 ,  G06Q40/02

CPC分类号： G06Q40/02 ,  G06Q40/025

摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service participation acknowledgment mechanism at a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and a user of the transaction machine, and where the transaction information identifies an account; (b) determining, based at least partially on the transaction information, that the account will meet a pre-defined condition as a result of the transaction; (c) presenting, via a user interface associated with the transaction machine, information associated with a service to address the condition; (d) prompting, via the user interface, the user to consent to the service; (e) receiving, via the user interface, the user's consent to the service; and (f) presenting, via the user interface, a confirmation message to the user, where the confirmation message includes information that confirms the user's consent to the service.

摘要翻译： 一般来说，本发明的实施例涉及用于在交易机器处提供服务参与确认机制的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与事务相关联的交易信息，其中交易涉及交易机器和交易机器的用户，以及交易信息识别帐户的地方; （b）至少部分地基于交易信息来确定该账户将由于该交易而满足预定义的条件; （c）经由与所述交易机器相关联的用户界面呈现与服务相关联的信息以解决所述条件; （d）通过用户界面提示用户同意服务; （e）通过用户界面接收用户对该服务的同意; 以及（f）经由用户界面向用户呈现确认消息，其中确认消息包括确认用户同意服务的信息。

公开(公告)号：US20120066077A1

公开(公告)日：2012-03-15

申请号：US13033492

申请日：2011-02-23

申请人： Tamara S. Kingston ,  John Franklin Tuders ,  Ross Matthew Feldman ,  Marc Lance Warshawsky ,  Erik Stephen Ross ,  Elbert Lee Whitler ,  Mark D. Zanzot ,  Ketil Bjugan ,  Scott Mastbrook ,  William Sydney Ivey ,  Mark Allan Nelson ,  Brenda Lisbeth Smyth ,  Doris Maria Garrett ,  Jonathan H. Tucker ,  Catherine Stokes Pullen ,  Paul Ronald DeKoster

发明人： Tamara S. Kingston ,  John Franklin Tuders ,  Ross Matthew Feldman ,  Marc Lance Warshawsky ,  Erik Stephen Ross ,  Elbert Lee Whitler ,  Mark D. Zanzot ,  Ketil Bjugan ,  Scott Mastbrook ,  William Sydney Ivey ,  Mark Allan Nelson ,  Brenda Lisbeth Smyth ,  Doris Maria Garrett ,  Jonathan H. Tucker ,  Catherine Stokes Pullen ,  Paul Ronald DeKoster

IPC分类号： G06Q40/00 ,  G06Q20/00

CPC分类号： G06Q20/407 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q20/425 ,  G06Q40/02

摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting the holder to consent to the overage via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

摘要翻译： 一般来说，本发明的实施例涉及通过移动设备提供超额服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中交易涉及账户，交易机器和账户持有人; （b）至少部分地基于交易信息来确定该账户将因交易而导致超额收益; （c）提示持有人同意通过移动设备进行超量服务，持有人与移动设备相关联; （d）收到持有人的同意超额; （e）至少部分地授权交易获得持有人的同意。

公开(公告)号：US20120066127A1

公开(公告)日：2012-03-15

申请号：US13033510

申请日：2011-02-23

申请人： Tamara S. Kingston ,  John Franklin Tuders ,  Ross Matthew Feldman ,  Marc Lance Warshawsky ,  Erik Stephen Ross ,  Elbert Lee Whitler ,  Mark D. Zanzot ,  Ketil Bjugan ,  Scott Mastbrook ,  William Sydney Ivey ,  Mark Allan Nelson ,  Brenda Lisbeth Smyth ,  Doris Maria Garrett ,  Jonathan H. Tucker ,  Catherine Stokes Pullen ,  Paul Ronald DeKoster

发明人： Tamara S. Kingston ,  John Franklin Tuders ,  Ross Matthew Feldman ,  Marc Lance Warshawsky ,  Erik Stephen Ross ,  Elbert Lee Whitler ,  Mark D. Zanzot ,  Ketil Bjugan ,  Scott Mastbrook ,  William Sydney Ivey ,  Mark Allan Nelson ,  Brenda Lisbeth Smyth ,  Doris Maria Garrett ,  Jonathan H. Tucker ,  Catherine Stokes Pullen ,  Paul Ronald DeKoster

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q20/227 ,  G06Q20/3676 ,  G06Q20/42

摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service subject to one or more predetermined conditions. For example, in some embodiments, a method is provided that includes: (a) receiving, from a holder of an account, consent to a future overage, where the future overage is a result of a future overage transaction involving the account, and where the consent is valid only if a predetermined condition is met; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction was initiated after the receiving the consent; (c) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (d) determining that the predetermined condition is met and/or that the holder's consent is valid for the transaction; and (e) authorizing the transaction based at least partially on receiving the consent, determining that the holder's consent is valid for the transaction, and/or determining that the predetermined condition is met.

摘要翻译： 一般来说，本发明的实施例涉及用于提供超过服务的方法和装置，其受到一个或多个预定条件的限制。 例如，在一些实施例中，提供了一种方法，其包括：（a）从帐户的持有者接收未来超额的同意，未来的超额是由于涉及账户的未来超额交易的结果，以及 只有满足预定条件，同意才有效; （b）接收与交易相关的交易信息，交易涉及账户，以及在收到同意后开始的交易; （c）至少部分地基于交易信息来确定该账户将因交易而导致过高现象; （d）确定满足预定条件和/或持有人的同意对交易有效; 和（e）至少部分地授权交易基于收到同意，确定持有者的同意对于交易是有效的和/或确定满足预定条件。

公开(公告)号：US20120066126A1

公开(公告)日：2012-03-15

申请号：US13033501

申请日：2011-02-23

申请人： Tamara S. Kingston ,  John Franklin Tuders ,  Ross Matthew Feldman ,  Marc Lance Warshawsky ,  Erik Stephen Ross ,  Elbert Lee Whitler ,  Mark D. Zanzot ,  Ketil Bjugan ,  Scott Mastbrook ,  William Sydney Ivey ,  Mark Allan Nelson ,  Brenda Lisbeth Smyth ,  Doris Maria Garrett ,  Jonathan H. Tucker ,  Catherine Stokes Pullen ,  Paul Ronald DeKoster

发明人： Tamara S. Kingston ,  John Franklin Tuders ,  Ross Matthew Feldman ,  Marc Lance Warshawsky ,  Erik Stephen Ross ,  Elbert Lee Whitler ,  Mark D. Zanzot ,  Ketil Bjugan ,  Scott Mastbrook ,  William Sydney Ivey ,  Mark Allan Nelson ,  Brenda Lisbeth Smyth ,  Doris Maria Garrett ,  Jonathan H. Tucker ,  Catherine Stokes Pullen ,  Paul Ronald DeKoster

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q20/227 ,  G06Q20/3676 ,  G06Q20/401 ,  G06Q20/42

摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the overage; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

摘要翻译： 一般来说，本发明的实施例涉及通过交易机提供超额服务的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）接收与交易相关联的交易信息，其中交易涉及账户，交易机器和账户持有人; （b）至少部分地基于交易信息来确定该账户将因交易而导致超额收益; （c）通过交易机器提示持有人同意超额; （d）收到持有人的同意超额; （e）至少部分地授权交易获得持有人的同意。