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    ONLINE WARRANTY HISTORY STORAGE ACCESS
    12.
    发明申请
    ONLINE WARRANTY HISTORY STORAGE ACCESS 审中-公开
    在线保修历史存储访问

    公开(公告)号：US20110131135A1

    公开(公告)日：2011-06-02

    申请号：US12861115

    申请日：2010-08-23

    申请人： Mark Carlson ,  Pat Stan ,  Patrick L. Faith ,  Ayman A. Hammad ,  Ben Rewis

    发明人： Mark Carlson ,  Pat Stan ,  Patrick L. Faith ,  Ayman A. Hammad ,  Ben Rewis

    IPC分类号： G06Q10/00 ,  G06Q40/00

    CPC分类号： G06Q10/00 ,  G06Q20/40 ,  G06Q30/012 ,  G06Q30/06

    摘要： A message confirming a transaction for the purchase of an item can include identifiers for the item and for a consumer as well as information pertaining to the transaction. The item identifier is used to locate an express warranty for the item. The consumer identifier (e.g.; a number of an account issued to the consumer) is used to locate the consumer's file in which the express warranty is stored along with at least a portion of the information pertaining to the transaction. Other data received in respective messages can be also be stored in the consumer's file. Thereafter, the consumer identifier can be use to retrieve all express warranties stored in the file for past respective purchased items. Information about each express warranty can be compared to the stored portion of the information pertaining to the transaction so as to retrieve only those express warranties that are valid (e.g.; unexpired).

    摘要翻译： 确认购买项目的交易的消息可以包括项目和消费者的标识符以及与交易有关的信息。 项目标识符用于查找项目的明示保修。 消费者标识符（例如，向消费者发放的帐户的数量）用于定位消费者在其中存储明示保证的文件以及与交易相关的信息的至少一部分。 在各消息中收到的其他数据也可以存储在消费者的文件中。 此后，可以使用消费者标识符来检索存储在文件中的所有对于过去各自购买的商品的所有明示保证。 关于每个明示保修的信息可以与存储的关于交易的信息的部分进行比较，以便仅检索那些有效（例如未到期）的明示保证。

    SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY
    13.
    发明申请
    SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY 审中-公开
    使用交易历史进行无害化反应验证

    公开(公告)号：US20110035317A1

    公开(公告)日：2011-02-10

    申请号：US12787788

    申请日：2010-05-26

    申请人： Mark Carlson ,  Patrick L. Faith ,  Ayman Hammad ,  Shalini Mayor

    发明人： Mark Carlson ,  Patrick L. Faith ,  Ayman Hammad ,  Shalini Mayor

    IPC分类号： H04L9/32 ,  G06Q40/00

    摘要： Systems and methods for providing authentication verification for a correspondence and other messages are disclosed. A link, such as a uniform resource locator (URL) link, is placed in a correspondence and sent to a user. When the user follows the link, a list of personal transaction data from the user's credit card or other financial account is presented. Because the personal transaction data is substantially private to user and his or her financial institution and card servicing company and not known to the public, the recipient can be assured that the message truly came from the financial institution or the card servicing company and not from a phisher.

    摘要翻译： 公开了用于提供通信和其他消息的认证验证的系统和方法。 诸如统一资源定位符（URL）链接的链接被放置在通信中并发送给用户。 当用户跟随​​链接时，呈现来自用户的信用卡或其他财务帐户的个人交易数据的列表。 由于个人交易数据对于用户及其金融机构和卡服务公司而言基本上是私人的，并且不被公众所知，所以接收者可以确定该消息真正来自金融机构或卡服务公司，而不是来自 钓鱼者

    Systems and methods for sorting alert and offer messages on a mobile device
    14.
    发明授权
    Systems and methods for sorting alert and offer messages on a mobile device 有权
    在移动设备上排序警报和提供消息的系统和方法

    公开(公告)号：US09071463B2

    公开(公告)日：2015-06-30

    申请号：US13760905

    申请日：2013-02-06

    申请人： Mark Carlson ,  Dan Bebenita ,  Surendra Keshan ,  Patrick Stan

    发明人： Mark Carlson ,  Dan Bebenita ,  Surendra Keshan ,  Patrick Stan

    IPC分类号： H04M1/725 ,  H04L12/58 ,  H04L12/18

    CPC分类号： H04M1/72552 ,  G06Q20/3227 ,  H04L12/1895 ,  H04L51/14 ,  H04L51/38 ,  H04M15/844 ,  H04W4/12

    摘要： A method and system are presented for sorting alert and offer messages on a mobile device. One embodiment of the invention is directed to a method including receiving alert messages at a mobile device where each alert message contains transaction data associated with a transaction conducted with a merchant. Upon receiving the alert messages, the mobile device receives alert message sorting criteria from a user associated with the mobile device, sorts the alert messages according to the received offer sorting criteria, and displays the sorted alert messages.

    摘要翻译： 提出了一种用于在移动设备上排序警报和提供消息的方法和系统。 本发明的一个实施例涉及一种方法，包括在移动设备处接收警报消息，其中每个警报消息包含与与商家进行的交易相关联的交易数据。 在接收到警报消息之后，移动设备从与移动设备相关联的用户接收警报消息排序标准，根据接收到的报价排序标准对警报消息进行排序，并显示排序的警报消息。

    Systems and Methods for Multi-Channel Offer Redemption
    16.
    发明申请
    Systems and Methods for Multi-Channel Offer Redemption 审中-公开
    多渠道优惠兑换的系统和方法

    公开(公告)号：US20110125565A1

    公开(公告)日：2011-05-26

    申请号：US12849801

    申请日：2010-08-03

    申请人： John Hamilton MacIlwaine ,  Patrick Stan ,  Kirsten E. Garen ,  Mark Carlson ,  George William Coombes, IV ,  Surendra Keshan ,  Russell P. Zink

    发明人： John Hamilton MacIlwaine ,  Patrick Stan ,  Kirsten E. Garen ,  Mark Carlson ,  George William Coombes, IV ,  Surendra Keshan ,  Russell P. Zink

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/02 ,  G06Q30/0207 ,  G06Q30/0215 ,  G06Q30/0269 ,  G06Q30/0273

    摘要： In one aspect, a system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of the user, and a portal to receive a user selection of a first portion of an advertisement and, in response, to present a user interface. The advertisement provides an offer and includes a second portion which when selected directs the user to a website of an advertiser. The data warehouse is to store data associating the offer with the account data of the user in response to a request made in the user interface. The system is to monitor transactions processed at the transaction handler to identify a purchase paid via the account and eligible for the redemption of the offer. The transaction handler is to provide statement credits to the user, if the payment transaction is identified.

    摘要翻译： 一方面，系统包括事务处理程序，用于存储在事务处理程序处理的事务数据记录事务和存储识别用户帐户的帐户数据的数据仓库，以及用于接收用户选择第一部分 一个广告，作为回应，呈现一个用户界面。 广告提供报价，并且包括第二部分，当选择时将用户引导到广告主的网站。 数据仓库是根据在用户界面中提出的请求，存储将报价与用户帐户数据相关联的数据。 该系统将监控交易处理程序处理的交易，以确定通过该账户支付的购买费用，并有资格获得该优惠。 如果支付交易被识别，交易处理程序将向用户提供报表信用。

    Merchant Configured Advertised Incentives Funded Through Statement Credits
    20.
    发明申请
    Merchant Configured Advertised Incentives Funded Through Statement Credits 有权
    商户配置的广告奖励通过声明积分资助

    公开(公告)号：US20110231235A1

    公开(公告)日：2011-09-22

    申请号：US13053113

    申请日：2011-03-21

    申请人： John Hamilton MacIlwaine ,  Patrick Stan ,  Surendra Keshan ,  Mark Carlson

    发明人： John Hamilton MacIlwaine ,  Patrick Stan ,  Surendra Keshan ,  Mark Carlson

    IPC分类号： G06Q30/00

    CPC分类号： G06Q20/387 ,  G06Q30/02 ,  G06Q30/0215

    摘要： An advertised incentive system receives advertised incentive configuration information provided by a merchant. The advertised incentive configuration information defines the content of advertised incentive banners. The advertised incentive banners are provided as needed to merchants to display on the merchant's website. Advertised incentive registration information is received from an account holder after the account holder interacts with the advertised incentive banner. Transaction information is received that contains a qualified purchase made by the account holder. The advertised incentive registration and the qualified purchase are matched. A statement credit is issued against the account holder's account and a debit is issued against the merchant's account in the amount of the statement credit.

    摘要翻译： 广告激励系统接收由商家提供的广告激励配置信息。 广告激励配置信息定义了广告激励横幅的内容。 广告的激励横幅是根据需要提供给商家在商家的网站上展示的。 帐户持有人与广告激励横幅互动后，从帐户持有人收到广告激励注册信息。 收到包含由账户持有人进行的合格购买的交易信息。 广告激励注册和合格购买相匹配。 对帐户持有人的帐户发出一张报表信用额，并以商誉账户的金额发出借方。