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公开(公告)号：US09519928B2
公开(公告)日：2016-12-13
申请号：US13953223
申请日：2013-07-29
发明人： Matthew A. Calman , Katherine Dintenfass , Jason P. Blackhurst , Carrie A. Hanson , Laura C. Bondesen
CPC分类号： G06Q30/0631 , G06Q30/0215 , G06Q30/0224 , G06Q30/0623 , G06Q30/0629
摘要： Embodiments of the invention are directed to systems, methods and computer program products for providing product evaluation. An exemplary apparatus is configured to identify purchase transaction data associated with identified electronic communications between a merchant and a customer, the purchase transaction data includes product level data from a transaction, receive the identified purchase transaction data, the purchase transaction data is received in an unstructured format, convert the purchase transaction data from the unstructured format to a structured format, associate the structured purchase transaction data with the customer's online banking application, aggregate purchase transaction data related to one or more products purchased by the customer, determine one or more products are purchased on a recurring basis, and provide the customer with one or more options based at least partially on determining the one or more products are purchased on a recurring basis.
摘要翻译： 本发明的实施例涉及用于提供产品评估的系统，方法和计算机程序产品。 示例性装置被配置为识别与商家和客户之间的所识别的电子通信相关联的购买交易数据，所述购买交易数据包括来自交易的产品级数据，接收所识别的购买交易数据，所述购买交易数据在非结构化 将购买交易数据从非结构化格式转换为结构化格式，将结构化采购交易数据与客户的在线银行应用相关联，与客户购买的一个或多个产品相关的总体购买交易数据，确定一个或多个产品是 至少部分地基于确定一个或多个产品是经常性购买的，为客户提供一个或多个选项。
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公开(公告)号：US20150066687A1
公开(公告)日：2015-03-05
申请号：US14535834
申请日：2014-11-07
发明人： Jason P. Blackhurst , Matthew A. Calman , Katherine Dintenfass , Carrie A. Hanson , Laura C. Bondesen
IPC分类号： G06Q30/06
CPC分类号： G06Q30/0631 , G06Q40/00
摘要： Embodiments related to tracking consumer consumption for purchased items are provided. In some embodiments, a system is provided that receives e-receipt data, including stack keeping unit (SKU) level data, from a customer and compares the e-receipt data with transaction data. The system identifies transactions associated with one or more customer goals based on the SKU level data and calculates a first quantity of consumption for each of the identified transactions.
摘要翻译： 提供了与追踪消费者购买物品相关的实施例。 在一些实施例中，提供从客户接收包括堆栈保持单元（SKU）级数据的电子收据数据并将电子收据数据与交易数据进行比较的系统。 该系统基于SKU级别数据识别与一个或多个客户目标相关联的交易，并计算每个所识别的交易的第一消费量。
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公开(公告)号：US20150046304A1
公开(公告)日：2015-02-12
申请号：US13963507
申请日：2013-08-09
发明人： Laura C. Bondesen , Jason P. Blackhurst , Matthew A. Calman , Katherine Dintenfass , Carrie Anne Hanson
IPC分类号： G06Q40/00
摘要： Embodiments of the invention are directed to apparatus, methods, and computer program products for analyzing transaction item-identifying data, such as e-receipts, for the purpose of identifying which transactions or items in a transaction qualify as charitable contributions and in some embodiments verifying or confirming that the transaction or items in the transaction are charitable contributions for the purpose of tax deductions. Additionally, the invention may determine the items and/or portion of the overall or item purchase amount that qualifies as a charitable contribution for tax deductions purposes. In addition, the invention provides for automatically communicating verified charitable contribution information to a third party or database that will insure that the charitable contribution receives consideration when the customer's income tax filings are prepared.
摘要翻译： 本发明的实施例涉及用于分析交易项目识别数据（诸如电子收据）的装置，方法和计算机程序产品，用于识别交易中的哪些交易或项目被认定为慈善捐赠，并且在一些实施例中验证 或确认交易中的交易或项目是为了扣税目的的慈善捐款。 此外，本发明可以确定合格为减税目的的慈善捐赠的整体或物品购买量的项目和/或部分。 此外，本发明还提供了将已验证的慈善捐款信息自动传达给第三方或数据库，以确保当客户的所得税申报准备时慈善捐款得到考虑。
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4.发明申请MISAPPROPRIATION PROTECTION BASED ON SHIPPING ADDRESS OR STORE INFO FROM E-RECEIPT 审中-公开基于电子收货的运输地址或存储信息的不正确的保护公开(公告)号：US20150039502A1
公开(公告)日：2015-02-05
申请号：US13958786
申请日：2013-08-05
发明人： Jason P. Blackhurst , Matthew A. Calman , Laura C. Bondesen , Katherine Dintenfass , Carrie A. Hanson
CPC分类号： G06Q20/12 , G06Q10/0838
摘要： Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to provide misappropriation protection based on address and/or merchant store information associated with the e-receipt or other e-communication. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine address information or merchant store information from the electronic communication; and determine whether or not the address information or merchant store information triggers a notification or an alert to the customer based at least partially on one or more rules relating to a misappropriation of customer account information.
摘要翻译： 本发明的实施例涉及一种系统，方法或计算机程序产品，用于在商家和客户之间利用电子收据数据和其他电子通信数据，关于交易来提供基于与...相关联的地址和/或商店存储信息的盗用保护 电子收据或其他电子通信。 在一个实施例中，系统被配置为：识别和检索商家和与交易相关联的客户之间的电子通信; 从电子通信确定地址信息或商店商店信息; 并且至少部分地基于关于盗用客户帐户信息的一个或多个规则来确定地址信息或商店存储信息是否触发对客户的通知或警报。
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公开(公告)号：US08868048B2
公开(公告)日：2014-10-21
申请号：US13652611
申请日：2012-10-16
发明人： Carrie A. Hanson , Laura C. Bondesen , Nicole Chen , Katherine Dintenfass , Scott R. Enscoe , Leo Kopelow , Yameng Li , Brett Newman , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
IPC分类号： H04M3/42
CPC分类号： G06Q40/02
摘要： In some embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first transaction of a plurality of transactions and present, in a second region of the display, a first option, the first option indicating that, when selected, the user has marked the first transaction for further review. The processor is further operable to present, in a third region of the display, a second option and present, in a fourth region of the display, a notification indicating a second transaction of the plurality of transactions. Additionally, the processor is operable to detect a touch on the display indicating the selection of the second transaction and present, in the first region of the display, information associated with the second.
摘要翻译： 在一些实施例中，装置包括存储器和处理器。 处理器可操作以在显示器的第一区域中呈现与多个事务的第一事务相关联的信息，并且在显示器的第二区域中呈现第一选项，第一选项指示当被选择时， 用户已经标记了第一笔交易以供进一步审查。 处理器还可操作以在显示器的第三区域中呈现第二选项，并且在显示器的第四区域中呈现指示多个交易的第二交易的通知。 另外，处理器可操作以检测显示器上的触摸，指示第二事务的选择，并且在显示器的第一区域中显示与第二事务相关联的信息。
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公开(公告)号：US20140108246A1
公开(公告)日：2014-04-17
申请号：US13652689
申请日：2012-10-16
发明人： Carrie A. Hanson , Laura C. Bondesen , Nicole Chen , Katherine Dintenfass , Scott R. Enscoe , Leo Kopelow , Yameng Li , Brett Newman , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
CPC分类号： G06F21/31 , G06F3/0485 , G06F3/0488 , G06Q20/3221
摘要： In certain embodiments an apparatus includes a memory operable a processor. The processor is operable to detect a first and second authentication of a user and detect a first plurality of events. The processor is operable to present information associated with a first event in response to the second authentication of the user and present the information associated with a second plurality of events. The processor can detect a touch indicating a request to present a second event and scroll a first region of the display. The processor is further operable to determine that each one of the first plurality of events has been presented and scroll the first region of the display in conjunction with a second region of the display at least in response to determining that each one of the first plurality of events has been presented.
摘要翻译： 在某些实施例中，装置包括可操作处理器的存储器。 处理器可操作以检测用户的第一和第二认证并检测第一多个事件。 处理器可操作以响应于用户的第二认证呈现与第一事件相关联的信息，并呈现与第二多个事件相关联的信息。 处理器可以检测指示呈现第二事件的请求的触摸并滚动显示器的第一区域。 处理器还可操作以确定已经呈现第一多个事件中的每一个事件，并且至少响应于确定第一多个事件中的每个事件，确定显示器的第一区域与显示器的第二区域一起滚动 事件已经呈现。
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公开(公告)号：US20160098703A1
公开(公告)日：2016-04-07
申请号：US14951658
申请日：2015-11-25
发明人： William Blake Belchee , Aditya Bhasin , Laura C. Bondesen , Matthew A. Calman , David Godsman , Cherie Rexroth
CPC分类号： G06Q20/3276 , G06K9/18 , G06K9/4604 , G06Q20/023 , G06Q20/0425 , G06Q20/102 , G06Q20/32
摘要： Aspects of the disclosure describe systems and methods for analyzing images captured by a mobile communications device. A server may transmit a request for a digital image to the mobile communications device. The mobile communications device may use a camera to capture a digital image in response to receipt of the request. The quality of one or more portions of the digital image may be verified. The mobile communications device may transmit the digital image to the server for further image processing and image analysis. The server may process and analyze the digital image to segment and identify particular regions of interest such as regions having printed or handwritten text. The server may extract the text from the digital image and use the extracted text to execute an automated electronic transaction.
摘要翻译： 本公开的方面描述了用于分析由移动通信设备捕获的图像的系统和方法。 服务器可以向移动通信设备发送数字图像的请求。 移动通信设备可以使用相机来响应于接收到请求来捕获数字图像。 可以验证数字图像的一个或多个部分的质量。 移动通信设备可以将数字图像发送到服务器用于进一步的图像处理和图像分析。 服务器可以处理和分析数字图像以分段和识别感兴趣的特定区域，例如具有打印或手写文本的区域。 服务器可以从数字图像中提取文本，并使用提取的文本执行自动化电子交易。
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公开(公告)号：US09082150B2
公开(公告)日：2015-07-14
申请号：US13652565
申请日：2012-10-16
发明人： Carrie A. Hanson , Laura C. Bondesen , Nicole Chen , Katherine Dintenfass , Scott R. Enscoe , Leo Kopelow , Yameng Li , Brett Newman , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
CPC分类号： G06Q40/02
摘要： In certain embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first service based at least in part upon the user. The processor is further operable to present information associated with a second, third and fourth service. Additionally, the processor may receive an update to the information associated with the first service and present, in the first region of the display, the update to the information associated with the first service. Finally, the processor is operable to detect a first touch on the first region of the display indicating a selection of the first service and present details associated with the first service in response to detecting the first touch.
摘要翻译： 在某些实施例中，装置包括存储器和处理器。 处理器可操作以至少部分地基于用户在显示器的第一区域中呈现与第一服务相关联的信息。 处理器还可操作以呈现与第二，第三和第四服务相关联的信息。 另外，处理器可以接收对与第一服务相关联的信息的更新，并且在显示器的第一区域中呈现对与第一服务相关联的信息的更新。 最后，处理器可操作以响应于检测到第一触摸而检测显示器的第一区域上的第一触摸，指示第一服务的选择以及与第一服务相关联的呈现细节。
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公开(公告)号：US20150032581A1
公开(公告)日：2015-01-29
申请号：US13952049
申请日：2013-07-26
发明人： Jason P. Blackhurst , Matthew A. Calman , Katherine Dintenfass , Carrie A. Hanson , Laura C. Bondesen
IPC分类号： G06Q40/00
CPC分类号： G06Q40/12
摘要： Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to provide misappropriation protection based on address and/or merchant store information associated with the e-receipt or other e-communication. In one embodiment, a system is configured to: determine a purchase price paid for the product and costs associated with the product based on purchase transaction data; and determine an estimated total cost of ownership of the product based on the purchase price of the product and the costs associated with the product.
摘要翻译： 本发明的实施例涉及一种系统，方法或计算机程序产品，用于在商家和客户之间利用电子收据数据和其他电子通信数据，关于交易来提供基于与...相关联的地址和/或商店存储信息的盗用保护 电子收据或其他电子通信。 在一个实施例中，系统被配置为：基于购买交易数据确定为产品支付的购买价格和与产品相关联的成本; 并根据产品的购买价格和与产品相关的成本确定产品的总体拥有成本。
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公开(公告)号：US20150032574A1
公开(公告)日：2015-01-29
申请号：US13953218
申请日：2013-07-29
发明人： Matthew A. Calman , Katherine Dintenfass , Jason P. Blackhurst , Carrie A. Hanson , Laura C. Bondesen
IPC分类号： G06Q30/06
CPC分类号： G06Q30/0629
摘要： Embodiments of the invention are directed to systems, methods and computer program products for providing price evaluation based on electronic receipt data. An exemplary apparatus is configured to: identify purchase transaction data associated with identified electronic communications between a merchant and a customer, wherein the purchase transaction data includes product level data from a transaction; receive the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format; convert the purchase transaction data from the unstructured format to a structured format; associate the structured purchase transaction data with the customer's online banking application; aggregate purchase transaction data related to a first product purchased by a plurality of customers; determine a best price available for the first product based at least partially on an analyses of the purchase transaction data; and communicate the best price available for the first product to one or more parties.
摘要翻译： 本发明的实施例涉及用于基于电子收据数据提供价格评估的系统，方法和计算机程序产品。 示例性装置被配置为：识别与商家和客户之间的所识别的电子通信相关联的购买交易数据，其中所述购买交易数据包括来自交易的产品级数据; 接收所识别的购买交易数据，其中以非结构化格式接收所述购买交易数据; 将购买交易数据从非结构化格式转换为结构化格式; 将结构化采购交易数据与客户的网上银行应用相关联; 与多个客户购买的第一产品相关的总购买交易数据; 至少部分地基于购买交易数据的分析确定第一产品的最佳价格; 并向第一方或多方传达第一种产品的最佳价格。
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