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71.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
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。
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公开(公告)号：US20130046632A1
公开(公告)日：2013-02-21
申请号：US13213785
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 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。
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公开(公告)号：US20130046626A1
公开(公告)日：2013-02-21
申请号：US13213935
申请日：2011-08-19
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。
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公开(公告)号：US08360329B2
公开(公告)日：2013-01-29
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： G06K19/06
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：US20130018785A1
公开(公告)日：2013-01-17
申请号：US13342077
申请日：2012-01-01
IPC分类号： G06Q20/14
CPC分类号： G06Q20/10 , G06Q20/3223 , G06Q20/385
摘要： Embodiments of the invention are directed to systems, methods and computer program products for transmitting, via an intermediary system, a payment request from a payment requestor to a customer. In some embodiments, a method includes: (a) receiving, at an intermediary computing device, the payment request from a source system, wherein the payment request includes a payment amount and an alias associated with a payment recipient, (b) in response to receiving the payment request, determining, via a computing device processor, whether the payment recipient is a registered payment recipient based on the alias, and (c) in response to determining the payment recipient is a registered payment recipient based on the alias, communicating, via the intermediary computing device, the payment request to the payment recipient based on the payment recipient being the registered payment recipient.
摘要翻译： 本发明的实施例涉及用于经由中间系统从支付请求者向客户发送支付请求的系统，方法和计算机程序产品。 在一些实施例中，一种方法包括：（a）在中间计算设备处从源系统接收支付请求，其中所述支付请求包括支付金额和与支付接收者相关联的别名，（b）响应于 接收所述支付请求，经由计算设备处理器确定所述支付接收者是否是基于所述别名的注册支付接收者，以及（c）响应于确定所述支付接收者是基于所述别名的注册支付接收者， 通过中间计算设备，基于作为注册支付接收者的支付接收者对支付接收者的支付请求。
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公开(公告)号：US08195576B1
公开(公告)日：2012-06-05
申请号：US13017823
申请日：2011-01-31
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4014 , G06Q20/20 , G06Q20/325 , G06Q20/3278 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/40145
摘要： Embodiments of the invention include apparatuses, methods, and computer-program products that provide for a unique financial transaction security system. In one embodiment, the financial transaction security system receives a security protocol from a user. The security protocol includes instructions for allowing transactions without authentication and security features for the user if authentication is necessary. The system then determines that the user is conducting a transaction, compares the transaction to the instructions, and determines whether the transaction can occur without authentication. If the user is required to authenticate his identity, the system requests input from the user, compares the input to the security feature, and determines if the user is authenticated. The user is able to customize both the instructions and the security features to provide greater control over financial transaction security.
摘要翻译： 本发明的实施例包括提供独特的金融交易安全系统的装置，方法和计算机程序产品。 在一个实施例中，金融交易安全系统从用户接收安全协议。 安全协议包括如果需要认证，则允许用户允许没有认证和安全功能的事务的指令。 系统然后确定用户正在进行交易，将交易与指令进行比较，并且确定事务是否可以在没有认证的情况下发生。 如果用户需要验证其身份，则系统请求用户的输入，将输入与安全特征进行比较，并确定用户是否被认证。 用户能够自定义指令和安全功能，以更好地控制金融交易安全。
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公开(公告)号：US09047595B2
公开(公告)日：2015-06-02
申请号：US13589758
申请日：2012-08-20
CPC分类号： G06Q20/20 , G06Q20/14 , G06Q20/145 , G06Q20/3274 , G06Q20/3276 , G06Q30/0601 , G06Q50/22
摘要： Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for medical office payments. As such, a readable indicia may be presented at a point-of-transaction (POT) at a medical treatment providers for a user to select. The system may dynamically present the readable indicia based on the user, the treatments provided, and the user's insurance coverage. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with expedited viewing of itemized treatments, insurance coverage for each treatment, and amount due for each treatment, co-pay amount, an amount to be paid by the insurance company, detectable information, and a total amount the user will owe the medical treatment provider. The system may receive authorization to accept the treatment and apply a payment means to the treatment.
摘要翻译： 本发明的实施例包括用于为医疗办公室支付提供可读标记的系统，方法和计算机程序产品。 因此，可以在医疗处理提供商处的交易点（POT）处呈现可读标记，供用户选择。 该系统可以基于用户，所提供的治疗和用户的保险范围来动态呈现可读标记。 用户可以用他/她的用户设备选择可读标记。 选择后，系统可以为用户提供逐项查看的逐项处理，每个处理的保险范围，每个处理的应付金额，共同付款金额，保险公司要支付的金额，可检索的信息和总计 医疗费用由用户承担。 该系统可以接受接受治疗的授权，并对治疗应用支付手段。
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公开(公告)号：US08977251B2
公开(公告)日：2015-03-10
申请号：US13018000
申请日：2011-01-31
CPC分类号： H04B5/0031 , H04M1/7253 , H04M2250/04
摘要： In general, apparatuses, methods and computer program products for transferring content to a mobile device are disclosed. Particularly, a system is disclosed that provides for pushing content from an external apparatus such as an automated teller machine (ATM), smart poster, contactless payment terminal, etc. to a mobile device or allowing the mobile device to pull such content from the external apparatus. The content may include one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or the like.
摘要翻译： 通常，公开了用于将内容传送到移动设备的设备，方法和计算机程序产品。 特别地，公开了一种系统，其提供将诸如自动柜员机（ATM），智能海报，非接触式支付终端等的外部设备的内容推送到移动设备，或允许移动设备从外部 仪器。 内容可以包括一个或多个优惠券，广告或优惠，图像，财务收据，帐户相关文档，重新发行的卡，新卡，预付卡等。
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79.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
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。
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80.发明申请APPARATUS AND METHOD FOR LEVERAGING GEOGRAPHIC LOCATION IN SENDING ELECTRONIC TRANSMISSIONS 审中-公开用于在发送电子传输中利用地理位置的装置和方法公开(公告)号：US20140067512A1
公开(公告)日：2014-03-06
申请号：US13602828
申请日：2012-09-04
申请人： Carrie A. Hanson , Hitesh Bajaj , Laura C. Bondesen , Nicole Chen , Scott R. Enscoe , David M. Grigg , Leo Kopelow , Yameng Li , Brett Newman , Sarah Overcash , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
发明人： Carrie A. Hanson , Hitesh Bajaj , Laura C. Bondesen , Nicole Chen , Scott R. Enscoe , David M. Grigg , Leo Kopelow , Yameng Li , Brett Newman , Sarah Overcash , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02
摘要： According to one embodiment, an apparatus may store a user account and a points balance associated with the user account. The apparatus may determine a geographic location of a user associated with the user account and communicate, based at least in part upon the geographic location, an offer for a product. The offer may be associated with an expiration time. The product may be associated with a points price. The points balance may be at least equal to the points price. The apparatus may receive a signal indicating an acceptance of the offer. The signal may be associated with a timestamp and with the user account. The timestamp may indicate a time that is at least as early as the expiration time. The apparatus may communicate a second signal indicating that the user can receive the product.
摘要翻译： 根据一个实施例，设备可以存储与用户帐户相关联的用户帐户和点平衡。 该设备可以确定与用户帐户相关联的用户的地理位置，并至少部分地基于地理位置来传达产品的报价。 优惠可能会与到期时间相关联。 该产品可能与点价格相关联。 积分平衡可能至少等于点价格。 该装置可以接收到表示接受该要约的信号。 信号可能与时间戳和用户帐户相关联。 时间戳可以指示至少早于到期时间的时间。 设备可以传达指示用户可以接收产品的第二信号。
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