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    DETERMINING MERCHANTS IN A TRAVEL LOCATION THAT ARE THE SAME OR SIMILAR TO MERCHANTS USED BY A USER AND PROVIDING MERCHANT INFORMATION TO THE USER
    51.
    发明申请
    DETERMINING MERCHANTS IN A TRAVEL LOCATION THAT ARE THE SAME OR SIMILAR TO MERCHANTS USED BY A USER AND PROVIDING MERCHANT INFORMATION TO THE USER 审中-公开
    在与用户使用的商业活动相似或类似的旅行地点确定商户，并向用户提供商业信息

    公开(公告)号：US20130046633A1

    公开(公告)日：2013-02-21

    申请号：US13213803

    申请日：2011-08-19

    申请人： David M. Grigg ,  Matthew A. Calman ,  Raja Bose ,  Erik Stephen Ross

    发明人： David M. Grigg ,  Matthew A. Calman ,  Raja Bose ,  Erik Stephen Ross

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/02

    摘要： Methods, apparatus and computer-program products are described for determining that a user is at or will be at a travel location based on financial institution transaction data and identifying merchants at the travel location that are the same or similar to merchants previously used by the user. Once the same or similar merchants have been identified, information, such as merchant offers, associated with the same or similar merchants is communicated to the user via a chosen communication mechanism.

    摘要翻译： 描述方法，装置和计算机程序产品，用于基于金融机构交易数据确定用户处于或将要处于旅行位置，并且识别与旅行位置相同或相似于之前由用户使用的商家的商家 。 一旦相同或类似的商家被识别，与相同或类似商家相关联的信息，例如商家报价，通过所选择的通信机制传送给用户。

    POINT OF SALE TRIGGERING OF OFFERS ALONG A PROJECTED TRAVEL ROUTE
    52.
    发明申请
    POINT OF SALE TRIGGERING OF OFFERS ALONG A PROJECTED TRAVEL ROUTE 审中-公开
    在投影旅行路线上的销售点的销售点

    公开(公告)号：US20130046632A1

    公开(公告)日：2013-02-21

    申请号：US13213785

    申请日：2011-08-19

    申请人： David M. Grigg ,  Matthew A. Calman ,  Raja Bose ,  Erik Stephen Ross

    发明人： David M. Grigg ,  Matthew A. Calman ,  Raja Bose ,  Erik Stephen Ross

    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 along a projected travel route after receiving an indication of a point of transaction event by collecting positioning information related to the customer, analyzing the positioning information to project the customer's likely route of travel, identifying one or more offers in which the customer may be interested, based in part on the customer's projected likely route of travel 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，用于通过收集与客户相关的定位信息，在接收到交易事件点的指示之后，沿着预计的行进路线向客户传达提交，分析 定位信息以预测客户可能的旅行路线，确定客户可能感兴趣的一个或多个优惠，部分基于客户预期的可能的旅行路线并将该优惠传达给客户。

    OPTIMIZING OFFERS BASED ON USER TRANSACTION HISTORY
    53.
    发明申请
    OPTIMIZING OFFERS BASED ON USER TRANSACTION HISTORY 审中-公开
    根据用户交易历史进行优化

    公开(公告)号：US20130046626A1

    公开(公告)日：2013-02-21

    申请号：US13213935

    申请日：2011-08-19

    申请人： David M. Grigg ,  Matthew A. Calman ,  Erik Stephen Ross ,  Raja Bose

    发明人： David M. Grigg ,  Matthew A. Calman ,  Erik Stephen Ross ,  Raja Bose

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/0207

    摘要： Embodiments of the invention are directed to a system, method, or computer program product for providing offers to purchase products or services to a user, the offers being tailored to the user. Embodiments of the invention allow a user to receive offers to purchase products based on the user's transaction history, offer acceptance history, demographic, or offers for products that the user wishes. In this way, the user receives offers for products that he/she may be interested in instead of having to find offers he/she is interested in by searching all the offers available to him/her. A financial institution may receive information regarding the user's transaction history, offer acceptance history, demographic, or watch list. This information may provide parameters for a filter to which offers may be provided to the user, such that the offers that are provided to the user may be of interest to him/her. Thus, the system may optimize the offers provided to the user to ensure that the offers the user receives are ones that he/she may have an interest in using to purchase a product or service.

    摘要翻译： 本发明的实施例涉及一种用于向用户提供购买产品或服务的提供的系统，方法或计算机程序产品，该提供被定制到用户。 本发明的实施例允许用户基于用户的交易历史，提供接受历史，人口统计或用户希望的产品的报价来接收购买产品的报价。 以这种方式，用户可以收到他/她可能感兴趣的产品的报价，而不必通过搜索他/她可用的所有优惠来找到他/她感兴趣的优惠。 金融机构可能会收到有关用户交易记录，报价接受历史记录，人口统计信息或观察列表的信息。 该信息可以为可以向用户提供优惠的过滤器提供参数，使得提供给用户的报价可能是他/她感兴趣的。 因此，系统可以优化提供给用户的优惠，以确保用户收到的提供是他/她可能对使用购买产品或服务有兴趣的。

    OPTIMIZING ROUTING BASED ON OFFERS
    54.
    发明申请
    OPTIMIZING ROUTING BASED ON OFFERS 审中-公开
    优化路由基于优惠

    公开(公告)号：US20130046624A1

    公开(公告)日：2013-02-21

    申请号：US13212098

    申请日：2011-08-17

    申请人： Matthew A. Calman ,  Erik Stephen Ross

    发明人： Matthew A. Calman ,  Erik Stephen Ross

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/0259 ,  G06Q10/047 ,  G06Q30/0261 ,  G06Q30/06

    摘要： Embodiments of the invention comprise optimizing travel routes for purchasing the products in which a user is interested. In some embodiments the system may provide the user with an optimized route based on the best offers available from various businesses. The best offers may be based on products with the lowest prices, highest quantities, highest user ratings, most convenient locations, etc. The offers may also be based on the user's current location, past location, future location, etc. Optimization of the route may also take into account user transaction history, user profile data, the time a user spends in a location, discounts, etc. In some embodiments of the invention the optimized route may be split between two or more people, over one or more trips, that may occur over one or more days, in order to maximize the best available offers with minimal expenditures of time, money, etc.

    摘要翻译： 本发明的实施例包括优化用于购买用户感兴趣的产品的行进路线。 在一些实施例中，系统可以基于来自各种业务的最佳提供来向用户提供优化的路线。 最好的优惠可能是以最低价格，最高数量，最高用户评分，最方便的地点等为基础的产品。该优惠还可以基于用户当前位置，过去位置，未来位置等。优化路线 还可以考虑用户交易历史，用户简档数据，用户在某个位置中花费的时间，折扣等。在本发明的一些实施例中，优化的路线可以在两个或更多个人之间，一个或多个旅行， 这可能发生在一天或多天之内，以便以最少的时间，金钱等方式最大限度地提供最优惠的优惠。

    REAL-TIME IMAGE ANALYSIS FOR MEDICAL SAVINGS PLANS
    56.
    发明申请
    REAL-TIME IMAGE ANALYSIS FOR MEDICAL SAVINGS PLANS 有权
    医疗储蓄计划实时图像分析

    公开(公告)号：US20120232937A1

    公开(公告)日：2012-09-13

    申请号：US13342048

    申请日：2012-01-01

    申请人： Matthew A. Calman ,  Erik Stephen Ross ,  Alfred Hamilton

    发明人： Matthew A. Calman ,  Erik Stephen Ross ,  Alfred Hamilton

    IPC分类号： G06Q40/08

    CPC分类号： G06Q30/06

    摘要： In general terms, embodiments of the present invention relate to methods, apparatuses, and computer program products for providing health or flexible spending account information in association with products identified in an augmented reality environment. In some embodiments, a method is provided that includes: (a) receiving information associated with an image, where the image was captured by a mobile device; (b) determining, based at least partially on the information associated with the image, that the image shows a product that qualifies for purchase under a medical savings plan; and (c) presenting, via the mobile device, information that indicates that the product qualifies for purchase under the medical savings plan.

    摘要翻译： 一般来说，本发明的实施例涉及用于在增强现实环境中识别的产品相关联地提供健康或灵活的支出帐户信息的方法，装置和计算机程序产品。 在一些实施例中，提供了一种方法，其包括：（a）接收与图像相关联的信息，其中图像被移动设备捕获; （b）至少部分地确定与图像相关联的信息，该图像显示符合医疗储蓄计划下的购买资格的产品; 和（c）通过移动设备呈现指示该产品符合医疗储蓄计划下的购买资格的信息。

    REAL-TIME VIDEO IMAGE ANALYSIS FOR PROVIDING VIRTUAL LANDSCAPING
    57.
    发明申请
    REAL-TIME VIDEO IMAGE ANALYSIS FOR PROVIDING VIRTUAL LANDSCAPING 有权
    实时视频图像分析用于提供虚拟景观

    公开(公告)号：US20120231425A1

    公开(公告)日：2012-09-13

    申请号：US13342065

    申请日：2012-01-01

    申请人： Matthew A. Calman ,  Erik Stephen Ross

    发明人： Matthew A. Calman ,  Erik Stephen Ross

    IPC分类号： G09B25/08

    CPC分类号： G06Q30/0261 ,  G06K9/00671

    摘要： System, method, and computer program product are provided for using real-time video analysis, such as AR or the like to assist the user of mobile devices with landscape design. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to assist the user with selecting the proper landscape elements for the area the user wishes to landscape. The proper landscape elements may be based off of several factors regarding the landscape area. These factors include natural characteristics of the area, such as soil type, weather, sun/shade, natural terrain of the area, etc. This invention provides recommended landscape elements for an area, such that the recommended landscape elements have a high rate of success in the area.

    摘要翻译： 提供系统，方法和计算机程序产品，用于使用AR等实时视频分析，以帮助移动设备的用户进行景观设计。 通过使用实时视觉对象识别对象，标识，艺术品，产品，位置以及可在实时视频流中识别的其他特征，可以与与之相关联的数据匹配，以帮助用户选择适当的 用户希望景观的区域的景观元素。 适当的景观元素可能是由景观区域的几个因素决定的。 这些因素包括该地区的自然特征，如土壤类型，天气，太阳/阴凉处，该地区的自然地形等。本发明为一个地区提供了推荐的景观元素，使得推荐的景观要素具有很高的成功率 在该地区的。

    Directional wayfinding
    58.
    发明授权
    Directional wayfinding 有权
    定向寻路

    公开(公告)号：US09582826B2

    公开(公告)日：2017-02-28

    申请号：US13355932

    申请日：2012-01-23

    申请人： Matthew A. Calman ,  Susan Smith Thomas ,  Erik Stephen Ross ,  Jooyong Lee ,  Zhenshuo Fang ,  James Mulholland ,  Brendan Kiu ,  Nastasha Tan

    发明人： Matthew A. Calman ,  Susan Smith Thomas ,  Erik Stephen Ross ,  Jooyong Lee ,  Zhenshuo Fang ,  James Mulholland ,  Brendan Kiu ,  Nastasha Tan

    IPC分类号： G06Q30/00 ,  G06Q30/06

    CPC分类号： G06Q30/0639

    摘要： Embodiments of the invention include systems, methods, and computer-program products that provide for a unique directional wayfinding system. In one embodiment of the invention, products are received from the user, such as a shopping list or wish list. The system determines the location of the user, determines the location of the product in the business, determines a route from the user to the product, and provides instructions to the user along the route. In an embodiment, the system identifies and/or confirms the product when the user reaches the product. In at least one embodiment, the systems, methods, and computer-program products provide functionality for the visually-impaired to assist in everyday shopping for products in businesses.

    摘要翻译： 本发明的实施例包括提供独特的定向寻路系统的系统，方法和计算机程序产品。 在本发明的一个实施例中，从用户接收产品，例如购物清单或愿望清单。 系统确定用户的位置，确定产品在业务中的位置，确定从用户到产品的路由，并沿着路由向用户提供指令。 在一个实施例中，当用户到达产品时，系统识别和/或确认产品。 在至少一个实施例中，系统，方法和计算机程序产品为视觉障碍者提供功能以帮助日常购物商业产品。

    Predicting future travel based on a user's historical financial institution transaction data and providing offers based on the predicted future travel
    60.
    发明授权
    Predicting future travel based on a user's historical financial institution transaction data and providing offers based on the predicted future travel 有权
    根据用户的历史金融机构交易数据预测未来旅行，并根据预测的未来旅行提供优惠

    公开(公告)号：US08694456B2

    公开(公告)日：2014-04-08

    申请号：US13213885

    申请日：2011-08-19

    申请人： David M. Grigg ,  Matthew A. Calman ,  Raja Bose ,  Erik Stephen Ross

    发明人： David M. Grigg ,  Matthew A. Calman ,  Raja Bose ,  Erik Stephen Ross

    IPC分类号： G06N5/02

    CPC分类号： G06Q30/02

    摘要： Methods, apparatus and computer-program products are described for providing travel-location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user.

    摘要翻译： 描述了用于向基于销售点（POS）交易数据确定为旅行的用户提供旅行地点商家优惠的方法，装置和计算机程序产品。 本发明的实施例将POS交易的位置与用户的住所位置进行比较，并且如果交易从住所位置发生预定距离或更大的距离，则确定用户正在行驶。 一旦行进确定，旅行地点商家报价被识别并传达给用户。