公开(公告)号：US20130046604A1

公开(公告)日：2013-02-21

申请号：US13211764

申请日：2011-08-17

申请人： Alicia C. Jones ,  Carrie Anne Hanson ,  Peter John Bertanzetti

发明人： Alicia C. Jones ,  Carrie Anne Hanson ,  Peter John Bertanzetti

IPC分类号： G06Q30/00 ,  G06F17/30

CPC分类号： G06Q30/0229

摘要： Systems and methods for providing a virtual loyalty card program are provided. The systems and methods enable a user to manage loyalty cards and receive offers. The methods provide receiving, at a computing device, loyalty card data associated with at least one loyalty card; storing the loyalty card data in a storage device; determining, via a computing device processor, a status associated with the at least one loyalty card based on the loyalty card data; and communicating, via computing device, a notification to a user based on the determined status

摘要翻译： 提供了用于提供虚拟会员卡程序的系统和方法。 系统和方法使用户能够管理会员卡并接收优惠。 所述方法提供在计算设备处接收与至少一个会员卡相关联的会员卡数据; 将所述会员卡数据存储在存储装置中; 基于所述会员卡数据，经由计算设备处理器确定与所述至少一个会员卡相关联的状态; 以及基于所确定的状态，经由计算设备将通知通知给用户

公开(公告)号：US20140006275A1

公开(公告)日：2014-01-02

申请号：US13536821

申请日：2012-06-28

申请人： Carrie Anne Hanson ,  Susan Smith Thomas ,  David A. Grigg ,  Peter John Bertanzetti ,  Matthew A. Calman

发明人： Carrie Anne Hanson ,  Susan Smith Thomas ,  David A. Grigg ,  Peter John Bertanzetti ,  Matthew A. Calman

IPC分类号： G06Q40/00 ,  G06Q20/36

CPC分类号： G06Q20/36 ,  G06Q20/3223 ,  G06Q20/405 ,  G06Q40/02

摘要： In general terms, embodiments of the present invention relate to apparatuses, methods, and computer program products for electronic identification and notification of banking record discrepancies associated with the use of mobile wallet functionality. For example, in some embodiments, an apparatus is provided that comprises a communication device, and a processing device communicable coupled to the communication device, wherein the processing device is configured to (a) receive mobile wallet information from a mobile computing device of the user, wherein the mobile computing device features mobile wallet functionality; (b) compare the mobile wallet information to bank records of the user; (c) determine, based at least partially on the mobile wallet information, whether there is a discrepancy associated with the user's account; and (e) present an indication of whether there is a discrepancy associated with the user's account.

摘要翻译： 一般来说，本发明的实施例涉及用于电子识别和通知与使用移动钱包功能相关联的银行记录差异的装置，方法和计算机程序产品。 例如，在一些实施例中，提供了一种包括通信设备和可通信地耦合到通信设备的处理设备的设备，其中所述处理设备被配置为（a）从所述用户的移动计算设备接收移动钱包信息 ，其中所述移动计算设备具有移动钱包功能; （b）将移动钱包信息与用户的银行记录进行比较; （c）至少部分地基于移动钱包信息来确定是否存在与用户帐户相关联的差异; 和（e）呈现与该用户的帐户相关联的差异的指示。

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

CPC分类号： G06Q30/02 ,  G06Q30/06

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。

公开(公告)号：US20130046648A1

公开(公告)日：2013-02-21

申请号：US13212094

申请日：2011-08-17

申请人： Matthew A. Calman ,  Susan Smith Thomas ,  Carrie Anne Hanson ,  Alicia C. Jones ,  Erik Stephen Ross

发明人： Matthew A. Calman ,  Susan Smith Thomas ,  Carrie Anne Hanson ,  Alicia C. Jones ,  Erik Stephen Ross

IPC分类号： G06Q30/00

CPC分类号： G06Q30/08

摘要： Embodiments of the invention allow a user to create a virtual shopping list that is used to identify offers for products in which the user is interested. The shopping list may be one single list or may be broken down into categories, in order to group like products together or group products together that can be purchased at one or more locations near each other. The shopping list may be transmitted to one or more businesses, such that the businesses may submit bid requests, in a reverse bid auction, for the one or more products on the shopping list. The best bids of the one or more businesses may be returned to the user. The bids may be identified as the best bids based on the lowest prices for the product, the best quality products, the proper quantities of the products, the locations at which the products are located, etc.

摘要翻译： 本发明的实施例允许用户创建用于识别用户感兴趣的产品的提供的虚拟购物清单。 购物清单可以是单个列表，或者可以分为类别，以将类似产品组合在一起，或将产品集合在一起，可以在彼此附近的一个或多个位置购买。 购物清单可以被传送到一个或多个企业，使得商家可以在反向竞价拍卖中为购物清单上的一个或多个产品提交投标请求。 一个或多个企业的最佳出价可能会退回给用户。 可以根据产品的最低价格，最优质的产品，产品的适当数量，产品的位置等将出价确定为最佳出价。

公开(公告)号：US20130054367A1

公开(公告)日：2013-02-28

申请号：US13215012

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

CPC分类号： G06Q30/0207

摘要： A method communicates one or more offers to a customer by determining 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. The method then 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, collects a second set of data, wherein the second set of data comprises information related to historical transaction data corresponding to one or more of the plurality of users, determines to which of the plurality of users to make offers based at least in part on historical transaction data, and 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.

摘要翻译： 一种方法至少部分地基于第一组数据，通过确定多个用户中的每一个与一个或多个商家之间的距离来向客户传送一个或多个优惠，其中第一组数据包括与 多个用户和多个位置，所述多个位置中的每一个对应于所述多个用户中的一个或多个。 该方法然后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，所述提议旨在诱使一个或多个用户前往与一个或多个商家对应的一个或多个位置，收集 第二组数据，其中所述第二组数据包括与对应于所述多个用户中的一个或多个的历史交易数据相关的信息，至少部分地基于历史交易数据确定所述多个用户中的哪个用户提供报价 并且至少部分地基于每个用户和一个或多个商家之间的相关距离将一个或多个优惠传达给所确定的用户。

公开(公告)号：US20130054368A1

公开(公告)日：2013-02-28

申请号：US13215016

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

CPC分类号： G06Q30/06 ,  G06Q30/02

摘要： A method for communicating one or more offers to users determines a distance between each of the users and one or more merchants, based at least in part on a first set of data including information related to users and locations, each corresponding to one or more of the users, correlates the distance between each of the users and the 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 merchants, determines to which of the users to make offers, communicates the offers to the determined users based on the correlated distance between each of the users and the merchants, monitors acceptance rate of the offers, and communicates one or more modified offers to one or more users based on the monitored acceptance rate of the offers.

摘要翻译： 用于向用户传达一个或多个提议的方法至少部分地基于包括与用户和位置相关的信息的第一组数据来确定每个用户与一个或多个商家之间的距离，每一个对应于一个或多个 用户将每个用户和商户之间的距离与一个或多个提供相关联，其中，所述提议旨在诱使一个或多个用户前往与商家相对应的一个或多个位置，确定哪个用户为 根据所述用户和所述商户之间的相关距离，向所确定的用户传送所述优惠，监视所述优惠的接受率，并且基于所监视的接受率将一个或多个修改的优惠传送给一个或多个用户 优惠。

公开(公告)号：US20130046609A1

公开(公告)日：2013-02-21

申请号：US13213922

申请日：2011-08-19

申请人： David M. Grigg ,  Raja Bose ,  Matthew A. Calman ,  Alicia C. Jones ,  Carrie Anne Hanson ,  Elizabeth S. Votaw

发明人： David M. Grigg ,  Raja Bose ,  Matthew A. Calman ,  Alicia C. Jones ,  Carrie Anne Hanson ,  Elizabeth S. Votaw

IPC分类号： G06Q30/00

CPC分类号： G06Q30/08

摘要： Systems and methods for providing user-driven reverse auctions are provided. The systems and methods enable a user to request bids for products or services, receive bids in response to the offers, and manage the bids. The methods provide receiving, at a computing device, a request from a user for an offer for products or services, the request including search criteria; identifying, via the computing device, at least one merchant of said products or services based on the search criteria; sending the request to the at least one merchant and receiving one or more bids from the at least one merchant; and presenting, via a computing device, the one or more bids to the user.

公开(公告)号：US08688576B2

公开(公告)日：2014-04-01

申请号：US13543694

申请日：2012-07-06

申请人： Carrie Anne Hanson ,  Scott R. Enscoe ,  Alexander C. Wittkowski ,  David M. Grigg ,  Daniel David ,  Katherine Dintenfass ,  Brett Newman ,  Leo Kopelow ,  Yameng Li ,  Nicole Chen ,  Nicholas Sharp

发明人： Carrie Anne Hanson ,  Scott R. Enscoe ,  Alexander C. Wittkowski ,  David M. Grigg ,  Daniel David ,  Katherine Dintenfass ,  Brett Newman ,  Leo Kopelow ,  Yameng Li ,  Nicole Chen ,  Nicholas Sharp

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q20/102 ,  G06Q40/00

摘要： Embodiments of the invention are directed to systems, methods and computer program products for implementing bill control. The invention enables a user of a financial institution account to maintain controls over bills via a single interaction point. In some embodiments, a method comprises determining whether a bill is due within a predetermined period; in response to determining the bill is due within the predetermined period: initiating, via a mobile network, presentation of a duration in which the bill is due; initiating, via the mobile network, presentation of an option to authorize payment of the bill via the mobile network; and in response to receiving selection of the option to pay the bill, authorizing payment of the bill via a financial institution account.

摘要翻译： 本发明的实施例涉及用于实现票据控制的系统，方法和计算机程序产品。 本发明使得金融机构帐户的用户能够通过单个交互点来保持对账单的控制。 在一些实施例中，一种方法包括在预定时段内确定纸币是否到期; 响应于在所述预定时间段内确定所述帐单到期：经由移动网络发起所述账单到期的持续时间的呈现; 通过移动网络启动通过移动网络授权支付账单的选项的呈现; 并且响应于选择支付账单的选项，授权通过金融机构账户支付账单。

公开(公告)号：US20140012742A1

公开(公告)日：2014-01-09

申请号：US13543644

申请日：2012-07-06

申请人： Carrie Anne Hanson ,  Scott R. Enscoe ,  Alexander C. Wittkowski ,  David M. Grigg ,  Daniel David ,  Katherine Dintenfass ,  Ray R. Hernandez ,  Brett Newman ,  Leo Kopelow ,  Yameng Li ,  Nicole Chen ,  Nicholas Sharp

发明人： Carrie Anne Hanson ,  Scott R. Enscoe ,  Alexander C. Wittkowski ,  David M. Grigg ,  Daniel David ,  Katherine Dintenfass ,  Ray R. Hernandez ,  Brett Newman ,  Leo Kopelow ,  Yameng Li ,  Nicole Chen ,  Nicholas Sharp

IPC分类号： G06Q20/14

CPC分类号： G06Q20/14 ,  G06Q20/102 ,  G06Q20/322

摘要： Embodiments of the invention are directed to systems, methods, and computer program products for electronic processing of paper invoices. The invention allows provides a user with information about a paper invoice through the use of the user's mobile computing device. In some embodiments, a method comprises providing a computer processor executing computer readable code structured to cause the computer processor to (a) receive information associated with an image of the invoice, wherein the image is captured by a mobile computing device of the user; (b) identify the invoice based at least partially upon the information associated with the image of the invoice; (c) determine financial institution information associated with the invoice; and (d) present, via the mobile computing device of the user, an indication of the financial institution information.

摘要翻译： 本发明的实施例涉及用于电子处理纸张发票的系统，方法和计算机程序产品。 本发明允许用户通过使用用户的移动计算设备提供关于纸张发票的信息。 在一些实施例中，一种方法包括提供一种执行计算机可读代码的计算机处理器，所述计算机可读代码被构造成使得所述计算机处理器（a）接收与所述发票的图像相关联的信息，其中所述图像由所述用户的移动计算设备捕获; （b）至少部分地基于与发票图像相关联的信息来识别发票; （c）确定与发票相关的金融机构信息; 和（d）经由用户的移动计算设备呈现金融机构信息的指示。

公开(公告)号：US20140012745A1

公开(公告)日：2014-01-09

申请号：US13543696

申请日：2012-07-06

申请人： Carrie Anne Hanson ,  Scott R. Enscoe ,  Alexander C. Wittkowski ,  Laura Corrine Bondensen ,  Leland E. Modesitt, III ,  David M. Grigg ,  Daniel David ,  Katherine Dintenfass ,  Ray R. Hernandez ,  Brett Newman ,  Leo Kopelow ,  Yameng Li ,  Nicole Chen ,  Nicholas Sharp

发明人： Carrie Anne Hanson ,  Scott R. Enscoe ,  Alexander C. Wittkowski ,  Laura Corrine Bondensen ,  Leland E. Modesitt, III ,  David M. Grigg ,  Daniel David ,  Katherine Dintenfass ,  Ray R. Hernandez ,  Brett Newman ,  Leo Kopelow ,  Yameng Li ,  Nicole Chen ,  Nicholas Sharp

IPC分类号： G06Q20/08

CPC分类号： G06Q20/102

摘要： Embodiments of the invention are directed to systems, methods and computer program products enabling a user of an account to pictorially view available funds over a predetermined period in the future and thereby enable informed bill payment scheduling. In some embodiments, a method comprises determining, for a predetermined period in the future, at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a graphical indicator indicating the at least one bill payment; and initiating, via the mobile network, presentation of an account balance graph associated with the account based at least partially on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future.

摘要翻译： 本发明的实施例涉及使帐户的用户在将来的预定时间段内图形地查看可用资金的系统，方法和计算机程序产品，从而使得能够通知账单支付调度。 在一些实施例中，一种方法包括在将来的预定时间段内确定使用与该帐户相关联的资金进行的至少一个账单支付; 通过移动网络发起指示所述至少一个账单支付的图形指示符; 以及至少部分地基于所述至少一个账单支付，经由所述移动网络发起与所述账户相关联的账户余额图表，其中所述账户余额图表示在将来的预定期间内的账户余额。