公开(公告)号：US09361616B2

公开(公告)日：2016-06-07

申请号：US14979613

申请日：2015-12-28

申请人： Dylan T X Zhou ,  Tiger T G Zhou ,  Andrew H B Zhou

发明人： Dylan T X Zhou ,  Tiger T G Zhou ,  Andrew H B Zhou

IPC分类号： G06Q20/38 ,  G06Q20/32 ,  G06Q20/34

CPC分类号： G06Q20/382 ,  G06Q20/12 ,  G06Q20/322 ,  G06Q20/3274 ,  G06Q20/3278 ,  G06Q20/356 ,  G06Q20/388 ,  G06Q20/40145

摘要： Provided are computer implemented methods and systems for messaging, calling, and one-touch and one-scan payments and buying via mobile and wearable devices. An exemplary system comprises a processor and a database in communication with the processor. The processor is configured to provide a haptic control associated with the system. The haptic control is shown on a display of a mobile and wearable device overlapping other visual elements. The haptic control provides mode selection elements associated with a payment, messaging, and calling modes. The processor receives a selection of the payment mode via the mode selection elements from a user. Upon the selection, context is extracted from the display. Based on the context, a payment transaction type which the user intends to perform is determined. The payment transaction type includes a payment receiving transaction and a payment sending transaction. Based on the determining, a transaction request is sent to a financial institution using the extraction.

摘要翻译： 提供的是计算机实现的方法和系统，用于通过移动和可穿戴设备的消息，呼叫和一键式和一次扫描付款和购买。 示例性系统包括与处理器通信的处理器和数据库。 处理器被配置为提供与系统相关联的触觉控制。 触觉控制显示在与其他视觉元素重叠的移动和可穿戴设备的显示器上。 触觉控制提供与支付，消息传递和呼叫模式相关联的模式选择元素。 处理器经由来自用户的模式选择元素接收支付模式的选择。 在选择时，从显示中提取上下文。 基于上下文，确定用户打算执行的支付交易类型。 支付交易类型包括支付接收交易和支付发送交易。 根据确定，使用提取将交易请求发送给金融机构。

公开(公告)号：US09009166B2

公开(公告)日：2015-04-14

申请号：US13475952

申请日：2012-05-19

申请人： Dylan T X Zhou ,  Tiger T G Zhou ,  Andrew H B Zhou

发明人： Dylan T X Zhou ,  Tiger T G Zhou ,  Andrew H B Zhou

IPC分类号： G06F17/30

CPC分类号： G06F17/30864

摘要： A method for calculating a social credit score based on online activity of a user is provided. Online activity may be monitored and processed to calculate an indicant of user activity and its influence on other users to obtain a social credit score of the user. Social credit scores may be used to stimulate users to be more active in their online socializing, share their content, and provide information. Social credit scores may be a source of information for advertisers, employers, bankers, and others. Information on social credit scores may be analyzed to determine users with high scores to distinguish top score users and mark them with special prizes, titles, or symbols. Additionally, a list of top scorers may be published via a social networking engine or otherwise as an additional factor of stimulation for other users.

摘要翻译： 提供了一种基于用户的在线活动来计算社会信用评分的方法。 可以监视和处理在线活动以计算用户活动的指示及其对其他用户的影响以获得用户的社会信用评分。 社会信用评分可用于刺激用户在线上社交活动，分享内容和提供信息。 社会信用评分可能是广告商，雇主，银行家和其他人的信息来源。 可以分析关于社会信用评分的信息以确定具有高分数的用户以区分最高分数用户并用特殊奖品，标题或符号标记它们。 另外，可以通过社交网络引擎或另外作为对其他用户的刺激的附加因素来发布顶级得分者的列表。

公开(公告)号：US08985442B1

公开(公告)日：2015-03-24

申请号：US14555628

申请日：2014-11-27

申请人： Tiger T G Zhou ,  Dylan T X Zhou ,  Andrew H B Zhou

发明人： Tiger T G Zhou ,  Dylan T X Zhou ,  Andrew H B Zhou

IPC分类号： G06K15/00 ,  G06K5/00 ,  G06F17/00 ,  G06F7/00 ,  G06Q20/00 ,  G06Q30/00 ,  G06Q40/00 ,  G06Q20/16 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/38 ,  H04W88/06

CPC分类号： G06Q20/3274 ,  G06F3/016 ,  G06F2203/014 ,  G06Q20/30 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/3829 ,  G06Q30/02 ,  G06Q30/0209 ,  G06Q30/0273 ,  H04W88/06

摘要： Provided are computer implemented methods and systems for messaging, calling, and one-touch payments via mobile and wearable devices. An exemplary system comprises a processor and a database in communication with the processor. The processor is configured to provide an integrated interface for selection of an activity mode. The activity mode includes a messaging mode, a calling mode, and a one-touch payment mode. The processor is further configured to receive the selection of the activity mode via the integrated interface from a user. If the messaging mode is selected, a message from the user is received and sent to a recipient via a data network. If the calling mode is selected, a data network call is initiated on a call request of the user. If the one-touch payment mode is selected, a payment request is transmitted to a financial organization.

摘要翻译： 提供的是用于通过移动和可穿戴设备的消息，呼叫和一键付款的计算机实现的方法和系统。 示例性系统包括与处理器通信的处理器和数据库。 处理器被配置为提供用于选择活动模式的集成接口。 活动模式包括消息传递模式，呼叫模式和单触付支付模式。 处理器还被配置为经由来自用户的集成接口来接收活动模式的选择。 如果选择了消息传送模式，则接收到来自用户的消息并经由数据网络发送给接收者。 如果选择了呼叫模式，则在用户的呼叫请求上发起数据网络呼叫。 如果选择一键付款模式，则向金融机构发送支付请求。

公开(公告)号：US20150066613A1

公开(公告)日：2015-03-05

申请号：US14537867

申请日：2014-11-10

申请人： Tiger T G Zhou ,  Andrew H B Zhou ,  Dylan T X Zhou

发明人： Tiger T G Zhou ,  Andrew H B Zhou ,  Dylan T X Zhou

IPC分类号： G06Q20/36 ,  G06Q20/06 ,  G06Q30/02

CPC分类号： G06Q20/065 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0209 ,  G06Q30/0273 ,  G06Q30/0641 ,  G07F17/323 ,  G07F17/3255

摘要： Provided are computer implemented methods for combining online and offline gaming, advertising, and commerce and providing free games, free products, and free services. The method may commence with receiving a buying request associated with a product from a user. The method may continue with providing an incentive to the user to play a game and receiving an indication that the user intends to play the game. In response to the indication, a payment amount associated with the game may be transferred from a user account. The payment amount associated with the game may constitute a predetermined portion of a payment amount associated with the product. The method may include receiving results of the game played by the user. Based on the results of the game, the user may be selectively provided with a discount for the product. The discount may be equal to the payment amount associated with the game.

摘要翻译： 提供了用于组合在线和离线游戏，广告和商业以及提供免费游戏，免费产品和免费服务的计算机实现的方法。 该方法可以从用户接收与产品相关联的购买请求开始。 该方法可以继续向用户提供玩游戏并接收用户打算玩游戏的指示。 响应于该指示，可以从用户帐户转移与游戏相关联的支付金额。 与游戏相关联的支付金额可以构成与产品相关联的支付金额的预定部分。 该方法可以包括接收用户播放的游戏的结果。 基于游戏的结果，用户可以选择性地为产品提供折扣。 折扣可能等于与游戏相关的支付金额。

公开(公告)号：US20140349692A1

公开(公告)日：2014-11-27

申请号：US14458791

申请日：2014-08-13

申请人： Andrew H B Zhou ,  Tiger T G Zhou ,  Dylan T X Zhou

发明人： Andrew H B Zhou ,  Tiger T G Zhou ,  Dylan T X Zhou

IPC分类号： H04M1/725 ,  H04L12/14 ,  G06Q20/16 ,  G06F3/0488 ,  G06Q20/40 ,  G06F3/0484 ,  G06F3/0482 ,  G06Q20/38 ,  G06Q20/32

CPC分类号： G06F3/0488 ,  G06Q20/085 ,  G06Q20/123 ,  G06Q20/16 ,  G06Q20/322 ,  G06Q20/3274 ,  G06Q20/3823 ,  G06Q20/3829 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q2220/00 ,  H04L12/146 ,  H04M1/2755 ,  H04M1/72519 ,  H04M1/72555 ,  H04M17/02 ,  H04M17/301 ,  H04M17/304 ,  H04W12/06

摘要： Provided are computer implemented methods and systems for multimedia capture and payment transactions. According to the method, a first user input may be received. Based on the first user input, sensors may be initiated to capture multimedia. The method may further comprise receiving a second user input. Data associated with the first user input and the second user input may be analyzed. Based on the analysis, a multimedia capture mode or a payment transaction mode may be selectively selected. If the multimedia capture mode is selected, the captured multimedia may be recorded to a database. A type of the multimedia being recorded may be determined based on time between the first user input and the second user input. If the payment transaction mode is selected, transaction data may be received. Based on the transaction data, user payment data, and recipient payment data, a payment transaction may be performed.

摘要翻译： 提供用于多媒体捕获和支付交易的计算机实现的方法和系统。 根据该方法，可以接收第一用户输入。 基于第一用户输入，可以启动传感器来捕获多媒体。 该方法还可以包括接收第二用户输入。 可以分析与第一用户输入和第二用户输入相关联的数据。 基于该分析，可以选择性地选择多媒体捕获模式或支付交易模式。 如果选择了多媒体捕获模式，则捕获的多媒体可以被记录到数据库中。 正在记录的多媒体的类型可以基于第一用户输入和第二用户输入之间的时间来确定。 如果选择支付交易模式，则可以接收交易数据。 基于交易数据，用户支付数据和收款人支付数据，可以执行支付交易。

公开(公告)号：US20140239065A1

公开(公告)日：2014-08-28

申请号：US14272939

申请日：2014-05-08

申请人： Tiger T G Zhou ,  Dylan T X Zhou ,  Andrew H B Zhou

发明人： Tiger T G Zhou ,  Dylan T X Zhou ,  Andrew H B Zhou

IPC分类号： G06Q20/34

CPC分类号： G06Q20/34 ,  G06F1/163 ,  G06F1/1677 ,  G06Q20/3274 ,  G06Q20/36 ,  G06Q20/40145 ,  H04B1/385 ,  H04B2001/3866

摘要： Provided is a wearable personal digital device and methods for enlarging display space using the wearable personal digital device. The wearable personal digital device may comprise a processor, a memory unit, an expandable display, a camera, a projector, a communication circuit, a swipe card reader, one or more biometric sensors, one or more accelerometers, a housing, and a band. The expandable display is be communicatively coupled to the processor and configured to expand to enlarge display space using a flip up portion, detachable portion, or bending the expandable display. The band may include one or more rechargeable batteries configured to power the wearable personal digital device. Biometric sensors and accelerometers provide data for monitoring health and activity of the user. The swipe card reader is configured to read payment card data.

摘要翻译： 提供了一种可穿戴式个人数字设备和使用可穿戴式个人数字设备来扩大显示空间的方法。 可戴式个人数字设备可以包括处理器，存储器单元，可扩展显示器，照相机，投影仪，通信电路，刷卡读卡器，一个或多个生物测定传感器，一个或多个加速度计，壳体和带 。 可扩展显示器可通信地耦合到处理器并且被配置为利用翻转部分，可拆卸部分或弯曲可展开显示器来扩大显示空间。 带可以包括一个或多个被配置为为可穿戴个人数字设备供电的可再充电电池。 生物识别传感器和加速度计提供用于监测用户健康状况和活动的数据。 刷卡读卡器被配置为读取支付卡数据。

公开(公告)号：US20140058804A1

公开(公告)日：2014-02-27

申请号：US14070504

申请日：2013-11-02

申请人： Tiger T G Zhou ,  Dylan T X Zhou ,  Andrew H B Zhou

发明人： Tiger T G Zhou ,  Dylan T X Zhou ,  Andrew H B Zhou

IPC分类号： G06Q10/10 ,  G06Q30/06

CPC分类号： G06Q30/0605 ,  G06Q10/101 ,  G06Q20/28 ,  G06Q30/02 ,  G06Q30/0209 ,  G06Q30/0273 ,  G06Q30/0279

摘要： Provided are computer implemented methods and systems for selling products and services using crowdsourcing. An exemplary method comprises receiving information associated with a crowdsourcing item. The crowdsourcing item is associated with an owner of the crowdsourcing item. The information includes a target amount for crowdsourcing. One or more contributions associated with the crowdsourcing item are received from one or more users. The total amount of the contributions is periodically calculated. When determined that the total amount has reached the target amount, the total amount is transferred to the owner. Additionally, the crowdsourcing item may be produced by the owner using the contributions and delivered to the users who made contributions either by one item to each of the users or by a share of the crowdsourcing item proportional to the contribution made.

摘要翻译： 提供使用众包销售产品和服务的计算机实现方法和系统。 示例性方法包括接收与众包​​项目相关联的信息。 众包项目与众包项目的所有者相关联。 信息包括众包的目标金额。 从一个或多个用户接收与众包​​项目相关联的一个或多个贡献。 定期计算捐款总额。 当确定总金额达到目标金额时，总金额将转移给所有者。 此外，众包项目可以由所有者使用这些贡献来产生，并且被递送给由一个项目向每个用户作出贡献的用户，或者与所作出的贡献成比例的众包项目的份额。

公开(公告)号：US20130146659A1

公开(公告)日：2013-06-13

申请号：US13760214

申请日：2013-02-06

申请人： Dylan T X Zhou ,  Tiger T G Zhou ,  Andrew H B Zhou

发明人： Dylan T X Zhou ,  Tiger T G Zhou ,  Andrew H B Zhou

IPC分类号： G06Q20/34

CPC分类号： G06Q20/355 ,  G04G21/04 ,  G06F1/163 ,  G06K7/10891 ,  G06Q20/204 ,  G06Q20/3274 ,  G06Q20/3276 ,  G06Q20/363 ,  G06Q20/40145

摘要： Provided is a device and methods for facilitating mobile device payments using a wearable personal digital device. The device may comprise a processor, a memory unit, a timepiece module, a communication circuit, a display, a camera, control elements, a connection port, and a band adapted to secure the device on a human body or clothes. The processor may be configured to retrieve information encoded in a barcode, generate barcodes, display retrieved information and barcodes on the display. Additionally, the device may comprise a swipe card reader to make payments using the wearable personal digital device by swiping a payment card through the device. In addition to that, the device may comprise one or more sensors and one or more accelerometers to measure biometric parameters of the user, display measured parameters on the display, and store the parameters to the memory of the device.

摘要翻译： 提供了一种使用可穿戴个人数字设备促进移动设备支付的设备和方法。 该设备可以包括处理器，存储器单元，钟表模块，通信电路，显示器，照相机，控制元件，连接端口以及适于将设备固定在人体或衣服上的带。 处理器可以被配置为检索在条形码中编码的信息，生成条形码，在显示器上显示检索到的信息和条形码。 此外，该设备可以包括刷卡读卡器，以通过通过设备刷卡支付卡来使用可穿戴式个人数字设备进行支付。 除此之外，设备可以包括一个或多个传感器和一个或多个加速度计，用于测量用户的生物特征参数，在显示器上显示测量参数，并将参数存储到设备的存储器中。

公开(公告)号：US20130018715A1

公开(公告)日：2013-01-17

申请号：US13623944

申请日：2012-09-21

申请人： Tiger T G Zhou ,  Dylan T X Zhou ,  Andrew H B Zhou

发明人： Tiger T G Zhou ,  Dylan T X Zhou ,  Andrew H B Zhou

IPC分类号： G06Q30/06 ,  G06Q30/02

摘要： Provided are computer implemented methods and systems for facilitating mobile device payments using product scanning and wireless communication functionality of mobile devices. Using a mobile device, a customer may read product codes and receive product information, which may include a product price, a manufacture date, a manufacturing country, a quantity of products. When reading the product codes, the customer may be also provided with promotional offers and advertising material from a merchant, a mobile payment service provider, or a third party. Upon reading the product codes, the reading may be stored in a list on the mobile device. The user may further send a request to calculate a total price of the products read by the mobile device. The total price may be encoded in a code scannable by a merchant scanning device.

摘要翻译： 提供了使用移动设备的产品扫描和无线通信功能来促进移动设备支付的计算机实现的方法和系统。 使用移动设备，客户可以读取产品代码并接收产品信息，其可以包括产品价格，制造日期，制造国家，产品数量。 当阅读产品代码时，还可以向客户提供来自商家，移动支付服务提供商或第三方的促销优惠和广告材料。 在阅读产品代码时，读取可以存储在移动设备上的列表中。 用户还可以发送用于计算由移动设备读取的产品的总价格的请求。 总价格可以由可由商家扫描装置扫描的代码中编码。

公开(公告)号：US09652758B2

公开(公告)日：2017-05-16

申请号：US15345349

申请日：2016-11-07

申请人： Dylan T X Zhou ,  Tiger T G Zhou ,  Andrew H B Zhou

发明人： Dylan T X Zhou ,  Tiger T G Zhou ,  Andrew H B Zhou

IPC分类号： G06Q20/00 ,  G06Q20/16 ,  G06Q20/32 ,  G06K15/00 ,  H04M1/725

CPC分类号： G06Q20/32 ,  G06K15/00 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/16 ,  G06Q20/223 ,  G06Q20/325 ,  G06Q20/3274 ,  G06Q20/3276 ,  H04M1/2755 ,  H04M1/725 ,  H04M15/00 ,  H04M15/57 ,  H04M15/8083 ,  H04W4/24

摘要： Provided are methods and systems for providing compensation for using a mobile payment service. The method may commence with receiving payment information associated with a user. The method may include generating a unique code encoding the payment information and providing the generated unique code to the user. The method may continue with receiving a deposit amount associated with a purchase related to the user. The purchase may be made via the mobile payment service. The method may further include receiving a notification about a further purchase of the user via the mobile payment service. The notification may include at least the unique code and a product barcode. The product barcode may be associated with the further purchase. The method may further include providing a compensation from the deposit amount to the user. The compensation may be associated with a payment amount associated with the further purchase.