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41.发明申请NOTIFYING MOBILE DEVICE USERS OF A SUGGESTED PAYMENT TYPE PRIOR TO CONDUCTING A TRANSACTION AT A MERCHANT 审中-公开在商户进行交易之前通知移动设备的用户使用建议付款公开(公告)号：US20140006272A1
公开(公告)日：2014-01-02
申请号：US13536795
申请日：2012-06-28
IPC分类号： G06Q40/00
CPC分类号： G06Q20/20 , G06Q20/227 , G06Q20/32 , G06Q20/405 , G06Q30/06
摘要： Devices, methods and computer program are defined that provide for notifying (e.g., alerting) users of mobile devices as to suggested payment types accepted by the merchant at which the user is located. The suggested payment type may be one that is favorable or beneficial to the user in terms of discounts/rebates, transaction fee reduction, rewards points transaction processing security and/or extended warranty coverage for items transacted and/or the like. As a result the user makes informed decisions on which payment type to use for an impending transaction at the merchant.
摘要翻译： 定义了设备，方法和计算机程序，用于向移动设备的用户通知（例如，提醒）关于用户所在的商家所接受的建议的支付类型。 建议的支付类型可以是在折扣/回扣，交易费减免，奖励积分交易处理安全性和/或处理的物品的延长保修范围等方面对用户有利或有益的支付类型。 因此，用户对商家即将进行的交易使用哪种支付类型做出明智的决定。
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42.发明申请AUTOMATIC ACTIVATION OF MOBILE PAYMENT MECHANISMS BASED ON IDENTIFIED MOBILE PAYMENT TYPES ACCEPTED BY A MERCHANT 有权基于商标接受的移动支付类型的移动支付机制的自动激活公开(公告)号：US20140006183A1
公开(公告)日：2014-01-02
申请号：US13536783
申请日：2012-06-28
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。
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43.发明申请MOBILE DOOR BUSTER OFFER TRANSMISSION WITH MOBILE USER OFFER ACCEPTANCE OR REDEMPTION 审中-公开手机用户提供的移动门总线传输接受或赎回公开(公告)号：US20130054369A1
公开(公告)日：2013-02-28
申请号：US13215020
申请日：2011-08-22
申请人： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw , Erik Stephen Ross
发明人： David M. Grigg , Raja Bose , Matthew A. Calman , Alicia C. Jones , Carrie Anne Hanson , Elizabeth S. Votaw , Erik Stephen Ross
IPC分类号： G06Q30/00
摘要： A method for communicating one or more offers to one or more users determines a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users, correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, determines to which of the plurality of users to make offers, communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants, and receives, communicated from a mobile device of a user, acceptance or redemption of one or more of the offers.
摘要翻译： 至少部分地基于第一组数据来将一个或多个提议传送给一个或多个用户的方法确定多个用户中的每一个与一个或多个商家之间的距离，其中第一组数据包括相关信息 对多个用户和多个位置，对应于多个用户中的一个或多个的多个位置中的每个位置将每个用户和一个或多个商家之间的距离与一个或多个提供相关联，其中， 旨在诱使一个或多个用户旅行到与一个或多个商家相对应的一个或多个位置，确定多个用户中的哪一个进行提供，至少部分地向所确定的用户传达一个或多个优惠 在每个用户和一个或多个商家之间的相关距离上，并从用户的移动设备接收，接收或兑换一个或多个优惠。
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公开(公告)号：US20130046589A1
公开(公告)日：2013-02-21
申请号：US13213792
申请日：2011-08-19
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02
摘要： Embodiments of the invention are directed to methods, systems, apparatus and computer program products are described herein for communicating offers to customers based in part on the distance from the customer to the merchant's location after receiving an indication of a point of transaction event by receiving an indication of a point-of-transaction event, collecting positioning information related to the customer, determining the distance between the customer and the merchant, correlating the distance between the customer and the merchant to offers to entice the customer to travel to the merchant's location and communicating the offers to the customer.
摘要翻译： 本发明的实施例涉及这里描述的方法，系统，装置和计算机程序产品，用于在接收到交易事件点的指示之后，部分地基于从客户到商家的位置的距离来向客户传送提供 指示交易点事件，收集与客户相关的定位信息，确定客户与商家之间的距离，将客户与商家之间的距离相关联以提醒顾客旅行到商家的位置，以及 向客户传达优惠。
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公开(公告)号：US20130005253A1
公开(公告)日：2013-01-03
申请号：US13610511
申请日：2012-09-11
申请人： David M. Grigg , Elizabeth S. Votaw , Alicia C. Jones , Patrick Brian Kelly , Cindy Elizabeth Kerber , Marc B. Keller
发明人： David M. Grigg , Elizabeth S. Votaw , Alicia C. Jones , Patrick Brian Kelly , Cindy Elizabeth Kerber , Marc B. Keller
CPC分类号： G06Q20/1085 , G06Q20/3223 , G07F19/20
摘要： Embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM. In some embodiments, a method is provided that includes: (a) initiating, by a user, a pending ATM transaction on a mobile device, where the initiating the pending ATM transaction occurs before the user arrives at an ATM for completing the pending ATM transaction; (b) storing, on the mobile device, transaction information associated with the pending ATM transaction; (c) transferring the transaction information from the mobile device directly to the ATM, where the transferring the transaction information occurs after the user arrives at the ATM for completing the pending ATM transaction; (d) receiving, at the ATM, the transaction information associated with the pending ATM transaction; and (e) completing, at the ATM, the pending ATM transaction based on the transaction information.
摘要翻译： 本发明的实施例涉及用于在移动设备上启动未决ATM交易并且用于在ATM处完成那些未决ATM交易的方法和装置。 在一些实施例中，提供了一种方法，其包括：（a）由用户发起移动设备上的待决ATM交易，其中在用户到达ATM之前发起挂起的ATM交易，以完成未完成的ATM交易 ; （b）在所述移动设备上存储与所述未决ATM交易相关联的交易信息; （c）将交易信息从移动设备直接转移到ATM，其中在用户到达ATM之后发生交易信息以完成未完成的ATM交易; （d）在ATM处接收与未决ATM交易相关的交易信息; 和（e）在ATM处完成基于交易信息的未决ATM交易。
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公开(公告)号：US20120197797A1
公开(公告)日：2012-08-02
申请号：US13018288
申请日：2011-01-31
申请人： David M. Grigg , Elizabeth S. Votaw , Alicia C. Jones , Patrick Brian Kelly , Cindy Elizabeth Kerber , Marc B. Keller
发明人： David M. Grigg , Elizabeth S. Votaw , Alicia C. Jones , Patrick Brian Kelly , Cindy Elizabeth Kerber , Marc B. Keller
IPC分类号： G06Q40/00
CPC分类号： G06Q20/1085 , G06Q20/3223 , G07F19/20
摘要： In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM transaction on a mobile device, where the initiating the pending ATM transaction is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM transaction occurs before the user arrives at an ATM for completing the pending ATM transaction; (b) storing, on the mobile device, transaction information associated with the pending ATM transaction; (c) transferring the transaction information from the mobile device directly to the ATM, where the transferring the transaction information occurs after the user arrives at the ATM for completing the pending ATM transaction; (d) receiving, at the ATM, the transaction information associated with the pending ATM transaction; and (e) completing, at the ATM, the pending ATM transaction based at least partially on the transaction information.
摘要翻译： 一般来说，本发明的实施例涉及用于在移动设备上启动未决ATM交易并用于在ATM处完成那些未决ATM交易的方法和装置。 例如，在一些实施例中，提供了一种方法，其包括：（a）在移动设备上启动挂起的ATM事务，其中发起挂起的ATM事务至少部分地基于输入一个或多个的移动设备的用户 输入到移动设备中，并且在用户到达ATM之前发起挂起的ATM交易，以完成未完成的ATM交易; （b）在所述移动设备上存储与所述未决ATM交易相关联的交易信息; （c）将交易信息从移动设备直接转移到ATM，其中在用户到达ATM之后发生交易信息以完成未完成的ATM交易; （d）在ATM处接收与未决ATM交易相关的交易信息; 和（e）至少部分地基于交易信息在ATM处完成未决的ATM交易。
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47.发明申请MOBILE WALLET EXPERIENCE FOR RESOLVING CONFLICTS BETWEEN DIFFERENT FINANCIAL INSTITUTIONS AND PAYMENT VEHICLES 审中-公开解决不同财务机构和付款车辆之间冲突的移动电子钱包经验公开(公告)号：US20120197787A1
公开(公告)日：2012-08-02
申请号：US13017980
申请日：2011-01-31
申请人： David M. Grigg , Marc B. Keller
发明人： David M. Grigg , Marc B. Keller
IPC分类号： G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/3278 , G06Q20/363
摘要： In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet experience is disclosed. The experience aids to resolve conflicts between numerous payment vehicles and, particularly, financial institution-specific programs or sub-experiences on a mobile device. The mobile wallet experience permits a user to freely navigate various payment vehicles and, importantly, navigate efficiently through a plurality of financial institution sub-experiences.
摘要翻译： 通常，公开了利用移动钱包进行非接触金融交易的装置，方法和计算机程序产品。 具体地，公开了一种移动钱包体验。 这种经验有助于解决许多付款工具之间的冲突，特别是移动设备上的金融机构特定程序或子体验。 移动钱包体验允许用户自由地浏览各种支付车辆，并且重要地，通过多个金融机构子体验有效地导航。
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公开(公告)号：US20120193434A1
公开(公告)日：2012-08-02
申请号：US13018275
申请日：2011-01-31
申请人： David M. Grigg , Marc B. Keller
发明人： David M. Grigg , Marc B. Keller
IPC分类号： G06K19/073
CPC分类号： G06Q20/227 , G06Q20/3278 , G06Q20/347 , G06Q20/352 , G06Q20/3572
摘要： Embodiments of the invention are directed to apparatus, methods, and computer program products for allowing a user to make a payment at a payment terminal via a mobile device regardless of whether a power source in a mobile device is present or active. An active module of a mobile device enables a user to make a contactless payment via a mobile device when a power source in a mobile device is present and active. A passive module of a mobile device enables a user to make a contactless payment via a mobile device when a power source in a mobile device is either not present or not active. The passive module is configured to receive power from an electromagnetic field generated by a payment terminal. The mobile device is configured to manage the active and passive payment technologies by automatically activating the passive payment technology when a power source in the mobile device is not present or active.
摘要翻译： 本发明的实施例涉及用于允许用户经由移动设备在支付终端上进行支付的设备，方法和计算机程序产品，而不管移动设备中的电源是存在还是活动的。 当移动设备中的电源存在且活跃时，移动设备的活动模块使得用户能够经由移动设备进行非接触式支付。 当移动设备中的电源不存在或不活动时，移动设备的被动模块使得用户能够经由移动设备进行非接触式支付。 被动模块被配置为从由支付终端产生的电磁场接收功率。 移动设备被配置为当移动设备中的电源不存在或不活动时，通过自动激活被动支付技术来管理主动和被动支付技术。
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公开(公告)号：US08972286B2
公开(公告)日：2015-03-03
申请号：US13017835
申请日：2011-01-31
CPC分类号： G06Q20/3278 , G06Q20/20 , H04M1/72522 , H04M1/7258
摘要： Embodiments of the invention include apparatuses and methods that allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a single action or supplying only a single input to the mobile device. For example, some embodiments of the invention allow a user to assign a default payment vehicle to a particular key or “pay now” icon of the mobile device so that activation of the particular key or icon, alone, causes the mobile device to wirelessly transmit information about the default payment vehicle. In some embodiments of the invention, a user using the single action option of the mobile device does not need to go through an authentication procedure before the mobile device transmits the default payment information. In some embodiments of the invention, if a user uses the single action option, the mobile device is configured to transmit the payment information without needing to first launch an electronic wallet software application installed on the device.
摘要翻译： 本发明的实施例包括允许用户由用户仅执行单个动作或仅向移动设备提供单个输入的方式将支付信息从移动设备无线地传送到销售点终端的装置和方法。 例如，本发明的一些实施例允许用户将默认支付车辆分配给移动设备的特定键或“现在付款”图标，使得单独激活特定键或图标使得移动设备无线地传输 关于默认支付车辆的信息。 在本发明的一些实施例中，在移动设备发送默认支付信息之前，使用移动设备的单个动作选项的用户不需要经历认证过程。 在本发明的一些实施例中，如果用户使用单个动作选项，则移动设备被配置为传送支付信息而不需要首先启动安装在该设备上的电子钱包软件应用程序。
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公开(公告)号：US08925804B2
公开(公告)日：2015-01-06
申请号：US13586231
申请日：2012-08-15
IPC分类号： G06K5/00
CPC分类号： G06Q30/00 , G06Q20/3274 , G06Q20/385 , G06Q20/401
摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention reads the pre-set readable indicia from a mobile device of the user, where the pre-set readable indicia comprises payment information, stores the read pre-set readable indicia or payment information extracted from the pre-set readable indicia, and, after connecting to a network, reconciles the transaction based on the payment information extracted from the pre-set readable indicia. In some embodiments, the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment information from the pre-set readable indicia.
摘要翻译： 本发明的实施例涉及用于处理与用户相关联的预设可读标记的系统，方法和计算机程序产品。 本发明从用户的移动设备读取预先设置的可读标记，其中预设可读标记包括支付信息，存储从预设可读标记中提取的读预读可读标记或支付信息， 在连接到网络之后，基于从预设可读标记中提取的支付信息来协调交易。 在一些实施例中，本发明从用户接收认证证书，并且使用来自预设可读标记的支付信息来认证用户来批准支付。
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