公开(公告)号：US09189811B1

公开(公告)日：2015-11-17

申请号：US12683548

申请日：2010-01-07

申请人： Amit Bhosle ,  Ashish Agrawal

发明人： Amit Bhosle ,  Ashish Agrawal

IPC分类号： G06Q30/00 ,  G06F17/30 ,  G06Q30/06

CPC分类号： G06Q30/0631 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0603 ,  G06Q30/0641

摘要： A shared “universal” virtual shopping cart (“the cart”) may be provided by a host to enable information sharing between multiple disparate electronic marketplaces provided by various merchants. The host may obtain user information via the cart to improve interactions with a user. The host may recommend an item to the user that is offered at a lower price and related to an item retained in the user's cart. The host may also recommend items based on a user's purchase history, such as complementary items (e.g., up-sell items) and items other users may recommend. In some aspects, the host may compile best selling lists based on data from multiple electronic marketplaces. The host may also perform user specific operations such as indicate an item in a cart is a duplicate of a previous purchase and monitor a price and/or available quantities of an item in the cart.

摘要翻译： 可以由主机提供共享的“通用”虚拟购物车（“购物车”），以实现由各种商家提供的多个不同的电子市场之间的信息共享。 主机可以通过购物车获得用户信息，以改善与用户的交互。 主持人可以向用户推荐以较低价格提供并与用户购物车中保留的物品相关的用户的物品。 主持人还可以基于用户的购买历史来推荐商品，例如补充商品（例如，上销商品）和其他用户可能推荐的商品。 在某些方面，主机可以根据来自多个电子市场的数据编制最佳销售列表。 主机还可以执行用户特定的操作，例如指示购物车中的商品与先前购买的重复，并监视购物车中的商品的价格和/或可用数量。

公开(公告)号：US20130232067A1

公开(公告)日：2013-09-05

申请号：US13411113

申请日：2012-03-02

申请人： Amit Bhosle ,  Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal

发明人： Amit Bhosle ,  Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal

IPC分类号： G06Q40/00

CPC分类号： G06Q30/04 ,  G06Q20/085 ,  G06Q20/227 ,  G06Q20/405 ,  G06Q40/02

摘要： Disclosed are various embodiments for facilitating the creation of allocation rules for distributing charges to one or more accounts associated with a payment instrument. The charge distribution application accesses allocation rules that are used to determine a charge distribution allocation for linked accounts associated with a master account identified in a charge request. The charge distribution application specifies a percentage of the amount indicated in the charge request to charge to one or more of the linked accounts. The charge distribution application charges up to the total amount specified in the charge request to one or more of the accounts depending on the applicable charge distribution allocation.

摘要翻译： 公开了用于促进创建用于向与支付工具相关联的一个或多个帐户分发费用的分配规则的各种实施例。 费用分配应用程序访问用于确定与在收费请求中识别的主账户相关联的链接帐户的费用分配分配的分配规则。 收费分配应用程序指定收费请求中指示的金额的百分比，以向一个或多个链接的帐户收取费用。 收费分配应用程序根据适用的费用分配分配收费到一个或多个帐户的收费请求中指定的总金额。

公开(公告)号：US08505106B1

公开(公告)日：2013-08-06

申请号：US12827526

申请日：2010-06-30

申请人： Amit Bhosle ,  Scott G. Carmack ,  Dhanvi Harsha Kapila ,  Shilpi Gupta ,  Mehul Jain ,  Sachin P. Joglekar ,  Ashish Agrawal

发明人： Amit Bhosle ,  Scott G. Carmack ,  Dhanvi Harsha Kapila ,  Shilpi Gupta ,  Mehul Jain ,  Sachin P. Joglekar ,  Ashish Agrawal

IPC分类号： G06F17/30 ,  G06F15/16 ,  H04L9/32

CPC分类号： H04L63/08 ,  H04L9/3213 ,  H04L63/0807 ,  H04L63/1441

摘要： Systems and methods for authenticating a request submitted from a client device through a third party content provider to an electronic entity are described. In one embodiment, a method includes providing a trusted script to the third party content provider, passing a trust token to the third party content provider and to the client device, and, in response to a request submitted from the client device through the third party content provider, validating the trust token associated with the request with the token passed to the client device, and processing the request. The trusted script is configured to create a trusted window on the third party Web page displayed on the client computing device, receive a trust token from the electronic entity through the trusted window, and associate the trust token with requests submitted from the client computing device through the third party content provider to the electronic entity.

公开(公告)号：US08423420B1

公开(公告)日：2013-04-16

申请号：US12683519

申请日：2010-01-07

申请人： Amit Bhosle ,  Ashish Agrawal

发明人： Amit Bhosle ,  Ashish Agrawal

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0633 ,  G06Q30/0607

摘要： A shared “universal” virtual shopping cart (“the cart”) may be provided by a host to enable information sharing between multiple disparate electronic marketplaces provided by various merchants. The host may obtain user information via the cart to improve interactions with a user. The host may recommend an item to the user that is offered at a lower price and related to an item retained in the user's cart. The host may also recommend items based on a user's purchase history, such as complementary items (e.g., up-sell items) and items other users may recommend. In some aspects, the host may compile best selling lists based on data from multiple electronic marketplaces. The host may also perform user specific operations such as indicate an item in a cart is a duplicate of a previous purchase and monitor a price and/or available quantities of an item in the cart.

摘要翻译： 主机可以提供共享的通用虚拟购物车（推车），以使得由各种商家提供的多个不同的电子市场之间的信息共享。 主机可以通过购物车获得用户信息，以改善与用户的交互。 主持人可以向用户推荐以较低价格提供并与用户购物车中保留的物品相关的用户的物品。 主持人还可以基于用户的购买历史来推荐商品，例如补充商品（例如，上销商品）和其他用户可能推荐的商品。 在某些方面，主机可以根据来自多个电子市场的数据编制最佳销售列表。 主机还可以执行用户特定的操作，例如指示购物车中的商品是先前购买的副本，并监视购物车中的商品的价格和/或可用数量。

公开(公告)号：US08364559B1

公开(公告)日：2013-01-29

申请号：US12683501

申请日：2010-01-07

申请人： Amit Bhosle ,  Ashish Agrawal

发明人： Amit Bhosle ,  Ashish Agrawal

IPC分类号： G06Q30/00

CPC分类号： G06Q30/00

摘要： A shared “universal” virtual shopping cart (“the cart”) may be provided by a host to enable information sharing between multiple disparate electronic marketplaces provided by various merchants. The host may obtain user information via the cart to improve interactions with a user. The host may recommend an item to the user that is offered at a lower price and related to an item retained in the user's cart. The host may also recommend items based on a user's purchase history, such as complementary items (e.g., up-sell items) and items other users may recommend. In some aspects, the host may compile best selling lists based on data from multiple electronic marketplaces. The host may also perform user specific operations such as indicate an item in a cart is a duplicate of a previous purchase and monitor a price and/or available quantities of an item in the cart.

摘要翻译： 主机可以提供共享的通用虚拟购物车（推车），以使得由各种商家提供的多个不同的电子市场之间的信息共享。 主机可以通过购物车获得用户信息，以改善与用户的交互。 主持人可以向用户推荐以较低价格提供并与用户购物车中保留的物品相关的用户的物品。 主持人还可以基于用户的购买历史来推荐商品，例如补充商品（例如，上销商品）和其他用户可能推荐的商品。 在某些方面，主机可以根据来自多个电子市场的数据编制最佳销售列表。 主机还可以执行用户特定的操作，例如指示购物车中的商品与先前购买的重复，并监视购物车中的商品的价格和/或可用数量。

公开(公告)号：US08740067B1

公开(公告)日：2014-06-03

申请号：US13407904

申请日：2012-02-29

申请人： Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal ,  Amit Bhosle

发明人： Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal ,  Amit Bhosle

IPC分类号： G06K5/00

CPC分类号： G06Q20/42 ,  G06Q20/35785 ,  G06Q20/4014

摘要： Disclosed are various embodiments for implementing secondary verification of user accounts through the use of near field communication devices. A first account code and first verification code are stored in a memory accessible to a computing device, wherein the first account code is associated with a payment instrument. A second account code is received in a charge request from a transaction client. A second verification code is further obtained from a client device. A determination is made as to whether to approve charging of an account based at least on whether the second verification code received in the computing device matches the first verification code.

摘要翻译： 公开了通过使用近场通信设备来实现用户帐户的二次验证的各种实施例。 第一帐户代码和第一验证码存储在计算设备可访问的存储器中，其中第一帐户代码与支付工具相关联。 来自交易客户端的收费请求中收到第二个帐号。 从客户端设备进一步获得第二验证码。 至少基于在计算设备中接收的第二验证码是否匹配第一验证码，确定是否批准帐户的计费。

公开(公告)号：US20130228616A1

公开(公告)日：2013-09-05

申请号：US13411150

申请日：2012-03-02

申请人： Amit Bhosle ,  Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal

发明人： Amit Bhosle ,  Ammar Chinoy ,  Michael Donikian ,  Ashish Agrawal

IPC分类号： G06K19/073 ,  G06K19/06 ,  G06F17/00

CPC分类号： G06Q20/227 ,  G06Q20/341 ,  G06Q20/354 ,  G07F7/1008

摘要： Disclosed are various embodiments for the creation of a payment card that is programmable by a user in order to access one or more accounts from multiple financial institutions and/or other institutions. The payment card includes an account selection application that facilitates selection of one of the transaction accounts associated with the payment card. A processor circuit then determines a code that corresponds with the respective one of the transaction accounts and facilitates the embodiment of the corresponding code to a dynamic magnetic strip located on the payment card.

摘要翻译： 公开了用于创建可由用户编程以便从多个金融机构和/或其他机构访问一个或多个账户的支付卡的各种实施例。 支付卡包括便于选择与支付卡相关联的一个交易账户的账户选择应用程序。 处理器电路然后确定与交易账户中的相应一个相对应的代码，并且将对应代码的实施方式便于位于支付卡上的动态磁条。

公开(公告)号：US20130226788A1

公开(公告)日：2013-08-29

申请号：US13407912

申请日：2012-02-29

申请人： Michael Donikian ,  Amit Bhosle ,  Ammar Chinoy ,  Ashish Agrawal ,  Jeffrey D. Hatfield ,  Gurbinder S. Gill ,  Kurt Kufeld

发明人： Michael Donikian ,  Amit Bhosle ,  Ammar Chinoy ,  Ashish Agrawal ,  Jeffrey D. Hatfield ,  Gurbinder S. Gill ,  Kurt Kufeld

IPC分类号： G06Q40/00

CPC分类号： G06Q30/0255 ,  G06Q20/3572 ,  G06Q20/405 ,  G06Q30/0601

摘要： Disclosed are various embodiments for charging one or more accounts based on user-created business rules for transactions that occur on a master account. The transaction management application identifies the master account associated with the charge request. Once the master account has been identified, the transaction management application determines which of the other accounts to charge or debit for the charge request.

摘要翻译： 公开了用于根据主账户上发生的交易的用户创建的业务规则为一个或多个账户计费的各种实施例。 交易管理应用程序标识与收费请求相关联的主账户。 一旦主帐户被识别，交易管理应用程序确定哪个其他帐户要为收费请求收费或借记。

公开(公告)号：US08266014B1

公开(公告)日：2012-09-11

申请号：US12683539

申请日：2010-01-07

申请人： Amit Bhosle ,  Ashish Agrawal

发明人： Amit Bhosle ,  Ashish Agrawal

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0278

摘要： A shared “universal” virtual shopping cart (“the cart”) may be provided by a host to enable information sharing between multiple disparate electronic marketplaces provided by various merchants. The host may obtain user information via the cart to improve interactions with a user. The host may recommend an item to the user that is offered at a lower price and related to an item retained in the user's cart. The host may also recommend items based on a user's purchase history, such as complementary items (e.g., up-sell items) and items other users may recommend. In some aspects, the host may compile best selling lists based on data from multiple electronic marketplaces. The host may also perform user specific operations such as indicate an item in a cart is a duplicate of a previous purchase and monitor a price and/or available quantities of an item in the cart.

摘要翻译： 可以由主机提供共享的“通用”虚拟购物车（“购物车”），以实现由各种商家提供的多个不同的电子市场之间的信息共享。 主机可以通过购物车获得用户信息，以改善与用户的交互。 主持人可以向用户推荐以较低价格提供并与用户购物车中保留的物品相关的用户的物品。 主持人还可以基于用户的购买历史来推荐商品，例如补充商品（例如，上销商品）和其他用户可能推荐的商品。 在某些方面，主机可以根据来自多个电子市场的数据编制最佳销售列表。 主机还可以执行用户特定的操作，例如指示购物车中的商品是先前购买的副本，并监视购物车中的商品的价格和/或可用数量。

公开(公告)号：US20060190310A1

公开(公告)日：2006-08-24

申请号：US11156672

申请日：2005-06-20

申请人： Rahul Gudla ,  Amit Bhosle ,  Vijay Chandrasekaran

发明人： Rahul Gudla ,  Amit Bhosle ,  Vijay Chandrasekaran

IPC分类号： G06F9/44

CPC分类号： G06Q10/04 ,  G06Q10/06 ,  G06Q10/063

摘要： Methods and systems are provided for analyzing the business rules, business metrics, and decision parameters for a firm or organization, processing a subset of such data to form output, and offering access to selective views of such output including evaluation and comparative data regarding execution of such business rules, information on corresponding business metrics or sets of business metrics, information on corresponding decision parameters or sets of decision parameters or scenarios, and other useful analytic information which can help a firm or organization evaluate and modify business policies based on said rules, metrics, and parameters. In addition to said rules, metrics and/or parameters, the data for the business rule analysis can include conventional historical data or hypothetical data based on simulations which the current system and method provide based on prescribed random and non-random algorithms. The simulated or hypothetical data enables users to conduct rule analysis based on historical data, simulated data, or hybrid models. In this manner, the methods and systems described in this invention provide for both an evaluation of a firm's current policies as well as an evaluation of policy modifications not actually executed but for which hypothetical data can be provided and analyzed.

摘要翻译： 提供了方法和系统，用于分析企业或组织的业务规则，业务指标和决策参数，处理这些数据的子集以形成输出，并提供对这些输出的选择性视图的访问，包括关于执行的评估和比较数据 这样的业务规则，关于相应业务度量或业务度量集合的信息，关于相应决策参数的信息或决策参数或场景集合的其他有用的分析信息可以帮助企业或组织基于所述规则来评估和修改业务策略， 指标和参数。 除了所述规则，度量和/或参数之外，业务规则分析的数据可以包括基于当前系统和方法基于规定的随机和非随机算法提供的模拟的常规历史数据或假设数据。 模拟或假设数据使用户能够根据历史数据，模拟数据或混合模型进行规则分析。 以这种方式，本发明描述的方法和系统既提供了企业当前政策的评估，也提供了实际执行的策略修改的评估，但是可以提供和分析假设数据。