公开(公告)号：US20140006186A1

公开(公告)日：2014-01-02

申请号：US13562614

申请日：2012-07-31

申请人： David M. Grigg ,  Glenn Grossman ,  Matthew A. Calman ,  Laura Corinne Bondesen ,  Alicia C. Jones ,  Peter John Bertanzetti

发明人： David M. Grigg ,  Glenn Grossman ,  Matthew A. Calman ,  Laura Corinne Bondesen ,  Alicia C. Jones ,  Peter John Bertanzetti

IPC分类号： G06Q20/40 ,  G06Q20/34 ,  G06Q20/20

CPC分类号： G06Q20/20 ,  G06Q20/204 ,  G06Q20/3276 ,  G06Q30/02 ,  G07F13/025

摘要： Embodiments of the invention are directed to purchasing fuel for a vehicle from a fuel station. An exemplary apparatus is configured to: receive pre-configured information associated with an information-providing source associated with at least one of the fuel station or a fuel pump at the fuel station; determine identification information associated with the fuel pump that will be used for fueling the vehicle; and transmit a purchase authorization request to an external server based on the identification information and the pre-configured information.

摘要翻译： 本发明的实施例涉及从燃料站购买车辆的燃料。 示例性装置被配置为：接收与在燃料站处的燃料站或燃料泵中的至少一个相关联的信息提供源相关联的预配置信息; 确定与将用于为车辆加油的燃料泵相关联的识别信息; 并根据所述识别信息和所述预先配置的信息向外部服务器发送购买授权请求。

公开(公告)号：US20140006183A1

公开(公告)日：2014-01-02

申请号：US13536783

申请日：2012-06-28

申请人： David M. Grigg ,  Alicia C. Jones ,  Matthew A. Calman ,  Susan Smith Thomas

发明人： David M. Grigg ,  Alicia C. Jones ,  Matthew A. Calman ,  Susan Smith Thomas

IPC分类号： G06Q20/32 ,  G06Q20/20 ,  G06Q40/02

CPC分类号： G06Q20/20 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/3278 ,  G06Q40/02

摘要： Systems, methods, and computer program products are provided for automatic activation of mobile payment mechanisms (e.g., software applications, devices/hardware and the like) on a mobile communication device in response to automated determination of the mobile payment types accepted by a merchant at which the user/consumer is located. As such, the present invention serves to automatically make the user/consumer aware of an option for mobile payment. In addition, the mobile payment transaction is made more efficient, in that, the user/consumer does not have to manually configure and/or activate the software or hardware associated with the mobile payment type.

摘要翻译： 系统，方法和计算机程序产品被提供用于在移动通信设备上自动激活移动支付机制（例如，软件应用，设备/硬件等）以响应商家接受的移动支付类型的自动确定 用户/消费者所在的位置。 因此，本发明用于自动使用户/消费者了解移动支付的选项。 此外，移动支付交易更有效，因为用户/消费者不必手动配置和/或激活与移动支付类型相关联的软件或硬件。

公开(公告)号：US20140006136A1

公开(公告)日：2014-01-02

申请号：US13536730

申请日：2012-06-28

申请人： David M. Grigg ,  Matthew A. Calman ,  Peter John Bertanzetti ,  Alicia C. Jones ,  Susan Smith Thomas

发明人： David M. Grigg ,  Matthew A. Calman ,  Peter John Bertanzetti ,  Alicia C. Jones ,  Susan Smith Thomas

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0238

摘要： Embodiments of the invention include systems, methods, and computer-program products for providing an expedited presentment, registration, processing, and using offers and/or loyalty accounts at a point-of-transaction. The system may determine when a user is initiating a transaction at a point-of-transaction associated with a merchant. After the user has initiated the transaction, he/she may be presented with a detectable indicia at the point-of-transaction. An image of the indicia may be captured or scanned by the user via his/her user device. The captured indicia may provide the user with available offers and/or loyalty account or a communication link to receive available offers and/or loyalty accounts. Upon user selection, the available offers and/or loyalty accounts may be applied to the user's current transaction.

摘要翻译： 本发明的实施例包括用于在交易点提供加速呈现，注册，处理和使用报价和/或忠诚度账户的系统，方法和计算机程序产品。 系统可以确定用户何时在与商家相关联的交易点发起交易。 在用户启动交易之后，他/她可以在交易点被呈现一个可检测的标记。 标记的图像可以由用户经由他/她的用户设备来捕获或扫描。 捕获的标记可以向用户提供可用的报价和/或忠诚度帐户或通信链接以接收可用的报价和/或忠诚度帐户。 在用户选择时，可用的报价和/或忠诚度帐户可以应用于用户的当前交易。

公开(公告)号：US08490864B2

公开(公告)日：2013-07-23

申请号：US12819620

申请日：2010-06-21

申请人： Elizabeth S. Votaw ,  Matthew A. Calman ,  Hendrick Helton Ellis

发明人： Elizabeth S. Votaw ,  Matthew A. Calman ,  Hendrick Helton Ellis

IPC分类号： G06F7/08

CPC分类号： G06Q20/18 ,  G06F21/31 ,  G06Q20/1085 ,  G06Q30/016 ,  G07F19/201 ,  G07F19/209 ,  G07G3/006

摘要： Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) prompting, via a user interface associated with the self-service machine, the user to submit a request, where the request is to receive, at a mobile device accessible to the user, a communication regarding the problem; (c) receive the request via the user interface; and/or (d) send the communication regarding the problem to the mobile device accessible to the user.

摘要翻译： 本发明的实施例涉及用于响应与自助服务机相关联的问题的方法和装置。 例如，一些实施例提供了一种方法，其包括：（a）确定在涉及自助服务机器和自助服务机器的用户的交易期间发生与自助服务机器相关联的问题; （b）通过与所述自助服务机相关联的用户界面提示用户在所述用户可访问的移动设备上提交请求，所述请求将在所述请求中接收关于所述问题的通信; （c）通过用户界面接收请求; 和/或（d）将关于该问题的通信发送给用户可访问的移动设备。

公开(公告)号：US08444051B2

公开(公告)日：2013-05-21

申请号：US12819668

申请日：2010-06-21

申请人： Elizabeth S. Votaw ,  Matthew A. Calman ,  Hendrick Helton Ellis

发明人： Elizabeth S. Votaw ,  Matthew A. Calman ,  Hendrick Helton Ellis

IPC分类号： G06F17/00 ,  G06F7/08 ,  G06Q40/00 ,  G07D11/00

CPC分类号： G06Q20/18 ,  G07F9/026 ,  G07F11/002

摘要： Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) presenting, to the user via a user interface associated with the self-service machine, a code based at least partially on the determining that the problem occurred; (c) receiving the code from the user; and/or (d) initiating a claim for the user based at least partially on the receiving the code from the user, where the claim relates to the problem.

摘要翻译： 本发明的实施例涉及用于响应与自助服务机相关联的问题的方法和装置。 例如，一些实施例提供了一种方法，其包括：（a）确定在涉及自助服务机器和自助服务机器的用户的交易期间发生与自助服务机器相关联的问题; （b）至少部分地基于确定所述问题发生而向所述用户通过与所述自助服务机器相关联的用户界面呈现代码; （c）从用户接收代码; 和/或（d）至少部分地基于从用户接收代码而向用户发起索赔，其中权利要求涉及该问题。

公开(公告)号：US20120265679A1

公开(公告)日：2012-10-18

申请号：US13088180

申请日：2011-04-15

申请人： Matthew A. Calman ,  Carrie Anne Hanson

发明人： Matthew A. Calman ,  Carrie Anne Hanson

IPC分类号： G06Q40/00 ,  G06F15/16

CPC分类号： G07F19/203 ,  G06Q20/18 ,  G06Q20/3223 ,  G06Q20/3278 ,  G07F19/202 ,  G07F19/206

摘要： Embodiments of the invention provide for seamless transferring of a user interaction session initiated at an ATM to a customer's mobile communication device. By transferring the user interaction session to the customer's mobile communication device, the customer limits their time interacting with the ATM and, thus, frees up the ATM for any other waiting customers. Additionally, the embodiments provide for a highly secure means of transferring the user interaction session from the ATM to the customer's mobile communication device. For example, Near Field Communication (NFC) or the like may be implemented as the communication mechanism, such that the customer is not required to re-authenticate when the interaction session is presented on the mobile communication device.

摘要翻译： 本发明的实施例提供了在ATM发起的用户交互会话到客户的移动通信设备的无缝传送。 通过将用户交互会话转移到客户的移动通信设备，客户限制他们与ATM交互的时间，从而为任何其他等待的客户释放ATM。 此外，实施例提供了将用户交互会话从ATM传送到客户的移动通信设备的高度安全的手段。 例如，可以将近场通信（NFC）等实现为通信机制，使得在移动通信设备上呈现交互会话时不需要客户重新认证。

公开(公告)号：US20090164390A1

公开(公告)日：2009-06-25

申请号：US11962992

申请日：2007-12-21

申请人： Matthew A. Calman ,  David T. Frew ,  Robert Leonard Kee ,  Johnny David Phillips ,  Truxton B. Pratt ,  Kim D. Smith ,  Michael A. Tate

发明人： Matthew A. Calman ,  David T. Frew ,  Robert Leonard Kee ,  Johnny David Phillips ,  Truxton B. Pratt ,  Kim D. Smith ,  Michael A. Tate

IPC分类号： G06F17/00

CPC分类号： B07C3/00 ,  G06Q30/0283

摘要： The present invention provides systems, methods, and computer program products for altering delivery of a piece by altering either the delivery address, mode of processing, and/or the mode of delivery. The invention provide an indicia associated with the piece of mail including instructions that are at least one of a different delivery address, mode of processing, or a mode of delivery than that originally designated for the piece of mail. During mail sorting and processing, the indicia associated with the piece of mail are analyzed. Either the delivery address, mode of processing, and/or mode of delivery currently associated with the piece of mail are altered to conform with the delivery address, mode of processing, and/or mode of delivery indicated by the indicia. In some embodiments, the indicia is altered by on a business parameter, such as a monetary value associated with the contents of the piece of mail.

摘要翻译： 本发明提供了通过改变传送地址，处理方式和/或传送方式来改变片段传送的系统，方法和计算机程序产品。 本发明提供与该邮件相关联的标记，其包括与原始指定用于该邮件的不同的递送地址，处理模式或者传送方式中的至少一个的指令。 在邮件排序和处理期间，分析与该邮件相关联的标记。 改变当前与该邮件相关联的传送地址，处理模式和/或传送模式以符合由标记指示的传送地址，处理模式和/或传送模式。 在一些实施例中，标记根据业务参数（例如与邮件内容相关联的货币价值）而改变。

公开(公告)号：US09026460B2

公开(公告)日：2015-05-05

申请号：US13536783

申请日：2012-06-28

申请人： David M. Grigg ,  Alicia C. Jones ,  Matthew A. Calman ,  Susan Smith Thomas

发明人： David M. Grigg ,  Alicia C. Jones ,  Matthew A. Calman ,  Susan Smith Thomas

IPC分类号： G06Q20/00 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q40/02

CPC分类号： G06Q20/20 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/3278 ,  G06Q40/02

摘要： Systems, methods, and computer program products are provided for automatic activation of mobile payment mechanisms (e.g., software applications, devices/hardware and the like) on a mobile communication device in response to automated determination of the mobile payment types accepted by a merchant at which the user/consumer is located. As such, the present invention serves to automatically make the user/consumer aware of an option for mobile payment. In addition, the mobile payment transaction is made more efficient, in that, the user/consumer does not have to manually configure and/or activate the software or hardware associated with the mobile payment type.

摘要翻译： 系统，方法和计算机程序产品被提供用于在移动通信设备上自动激活移动支付机制（例如，软件应用，设备/硬件等）以响应商家接受的移动支付类型的自动确定 用户/消费者所在的位置。 因此，本发明用于自动使用户/消费者了解移动支付的选项。 此外，移动支付交易更有效，因为用户/消费者不必手动配置和/或激活与移动支付类型相关联的软件或硬件。

公开(公告)号：US09015070B2

公开(公告)日：2015-04-21

申请号：US13536864

申请日：2012-06-28

申请人： David M. Grigg ,  Susan Smith Thomas ,  Peter John Bertanzetti ,  Matthew A. Calman

发明人： David M. Grigg ,  Susan Smith Thomas ,  Peter John Bertanzetti ,  Matthew A. Calman

IPC分类号： G06Q10/08 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q30/06 ,  G06Q30/00 ,  G06Q20/20

CPC分类号： G06Q10/0837 ,  G06Q20/12 ,  G06Q20/203 ,  G06Q20/204 ,  G06Q20/3223 ,  G06Q20/3274 ,  G06Q20/3276 ,  G06Q30/00 ,  G06Q30/016 ,  G06Q30/06 ,  G06Q30/0601

摘要： Systems, methods, and computer program products are provided for pre-processing a sales return. The system may initiate a sales return transaction prior to a customer being physically present at a merchant store. To this extent, the system is also capable of transmitting sales return information to a merchant such that the consumer's presence is not necessary in order to process a sales return transaction. Merchants and Consumers may use QR codes to both process payments for sales transactions and initiate sales return transactions.

摘要翻译： 提供系统，方法和计算机程序产品用于预处理销售退货。 系统可以在客户实际存在于商店之前发起销售回报交易。 在这种程度上，该系统还能够向商家传送销售退货信息，以便为了处理销售退货交易而不需要消费者的存在。 商家和消费者可以使用QR码来处理销售交易的付款并启动销售退货交易。

公开(公告)号：US09007448B2

公开(公告)日：2015-04-14

申请号：US13366058

申请日：2012-02-03

申请人： Matthew A. Calman

发明人： Matthew A. Calman

IPC分类号： H04N7/18 ,  H04N9/47 ,  G06F17/28 ,  H04N7/14

CPC分类号： H04N7/141

摘要： A video-assisted customer experience is disclosed. Generally, the experience includes a communications link between a user and a business representative facilitated by an external apparatus such as an ATM, mobile device, user's workstation, teleconferencing system, etc. The communications link may be a one or two-way video link such that the user may view video of the business representative or a representation of the business representative. The experience utilizes speech-recognition technology to incorporate subtitles in the video stream.

摘要翻译： 透露视频辅助客户体验。 通常，该经验包括用户和由诸如ATM，移动设备，用户工作站，电话会议系统等的外部设备促进的业务代表之间的通信链路。通信链路可以是一个或两个双向视频链路，例如 用户可以查看业务代表的视频或业务代表的表示。 该经验利用语音识别技术在视频流中加入字幕。