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    PRE-SET READABLE INDICIA FOR CUSTOMER USE
    1.
    发明申请
    PRE-SET READABLE INDICIA FOR CUSTOMER USE 有权
    用于客户使用的预设可读指示

    公开(公告)号：US20140048596A1

    公开(公告)日：2014-02-20

    申请号：US13586237

    申请日：2012-08-15

    申请人： David M. Grigg ,  Alicia C. Jones ,  Glenn Grossman ,  Matthew A. Calman

    发明人： David M. Grigg ,  Alicia C. Jones ,  Glenn Grossman ,  Matthew A. Calman

    IPC分类号： G06K5/00

    CPC分类号： G06Q20/3274 ,  G06Q20/20 ,  G06Q20/36

    摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention receives and stores one or more pre-set readable indicia including instructions for providing a payment during a transaction; and presents one or more of the pre-set readable indicia to a merchant during a transaction for payment. In some embodiments, the pre-set readable indicia comprises a one-use payment token for payment during a transaction not to exceed a predetermined payment limit, and in some embodiments, the pre-set readable indicia comprises payment account information and the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment account information from the pre-set readable indicia.

    摘要翻译： 本发明的实施例涉及用于处理与用户相关联的预设可读标记的系统，方法和计算机程序产品。 本发明接收和存储一个或多个预设可读标记，包括用于在交易期间提供支付的指令; 并且在用于支付的交易期间向商家呈现一个或多个预设可读标记。 在一些实施例中，预设可读标记包括用于在交易期间不超过预定支付限额的支付的一次性支付令牌，并且在一些实施例中，预设可读标记包括支付帐户信息，并且本发明接收认证 来自用户的凭证，并使用来自预设可读标记的支付帐户信息来认证用户来批准付款。

    Pre-set readable indicia for vendor use
    4.
    发明授权
    Pre-set readable indicia for vendor use 有权
    用于供应商使用的预设可读标记

    公开(公告)号：US08925804B2

    公开(公告)日：2015-01-06

    申请号：US13586231

    申请日：2012-08-15

    申请人： David M. Grigg ,  Alicia C. Jones ,  Glenn Grossman ,  Matthew A. Calman

    发明人： David M. Grigg ,  Alicia C. Jones ,  Glenn Grossman ,  Matthew A. Calman

    IPC分类号： G06K5/00

    CPC分类号： G06Q30/00 ,  G06Q20/3274 ,  G06Q20/385 ,  G06Q20/401

    摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention reads the pre-set readable indicia from a mobile device of the user, where the pre-set readable indicia comprises payment information, stores the read pre-set readable indicia or payment information extracted from the pre-set readable indicia, and, after connecting to a network, reconciles the transaction based on the payment information extracted from the pre-set readable indicia. In some embodiments, the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment information from the pre-set readable indicia.

    摘要翻译： 本发明的实施例涉及用于处理与用户相关联的预设可读标记的系统，方法和计算机程序产品。 本发明从用户的移动设备读取预先设置的可读标记，其中预设可读标记包括支付信息，存储从预设可读标记中提取的读预读可读标记或支付信息， 在连接到网络之后，基于从预设可读标记中提取的支付信息来协调交易。 在一些实施例中，本发明从用户接收认证证书，并且使用来自预设可读标记的支付信息来认证用户来批准支付。

    Pre-set readable indicia to facilitate payment during a transaction with a merchant when there is limited network connectivity
    5.
    发明授权
    Pre-set readable indicia to facilitate payment during a transaction with a merchant when there is limited network connectivity 有权
    预先设置的可读标记，以便在有限的网络连接性时便于与商家的交易期间的支付

    公开(公告)号：US08925805B2

    公开(公告)日：2015-01-06

    申请号：US13586237

    申请日：2012-08-15

    申请人： David M. Grigg ,  Alicia C. Jones ,  Glenn Grossman ,  Matthew A. Calman

    发明人： David M. Grigg ,  Alicia C. Jones ,  Glenn Grossman ,  Matthew A. Calman

    IPC分类号： G06K5/00 ,  G06Q20/32 ,  G06Q20/36

    CPC分类号： G06Q20/3274 ,  G06Q20/20 ,  G06Q20/36

    摘要： Embodiments are directed to processing a pre-set readable indicia associated with a user. Embodiments receive and store one or more pre-set readable indicia including instructions for providing a payment during a transaction; and presents one or more of the pre-set readable indicia to a merchant during a transaction for payment. In some embodiments, the pre-set readable indicia comprises a one-use payment token for payment during a transaction not to exceed a predetermined payment limit, and in some embodiments, the pre-set readable indicia comprises payment account information and the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment account information from the pre-set readable indicia.

    摘要翻译： 实施例涉及处理与用户相关联的预设可读标记。 实施例接收和存储一个或多个预置可读标记，包括用于在交易期间提供支付的指令; 并且在用于支付的交易期间向商家呈现一个或多个预设可读标记。 在一些实施例中，预设可读标记包括用于在交易期间不超过预定支付限额的支付的一次性支付令牌，并且在一些实施例中，预设可读标记包括支付帐户信息，并且本发明接收认证 来自用户的凭证，并使用来自预设可读标记的支付帐户信息来认证用户来批准付款。

    PRE-SET READABLE INDICIA FOR VENDOR USE
    10.
    发明申请
    PRE-SET READABLE INDICIA FOR VENDOR USE 有权
    用于供应商使用的预设可读指示

    公开(公告)号：US20140048595A1

    公开(公告)日：2014-02-20

    申请号：US13586231

    申请日：2012-08-15

    申请人： David M. Grigg ,  Alicia C. Jones ,  Glenn Grossman ,  Matthew A. Calman

    发明人： David M. Grigg ,  Alicia C. Jones ,  Glenn Grossman ,  Matthew A. Calman

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/00 ,  G06Q20/3274 ,  G06Q20/385 ,  G06Q20/401

    摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention reads the pre-set readable indicia from a mobile device of the user, where the pre-set readable indicia comprises payment information, stores the read pre-set readable indicia or payment information extracted from the pre-set readable indicia, and, after connecting to a network, reconciles the transaction based on the payment information extracted from the pre-set readable indicia. In some embodiments, the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment information from the pre-set readable indicia.

    摘要翻译： 本发明的实施例涉及用于处理与用户相关联的预设可读标记的系统，方法和计算机程序产品。 本发明从用户的移动设备读取预先设置的可读标记，其中预设可读标记包括支付信息，存储从预设可读标记中提取的读预读可读标记或支付信息， 在连接到网络之后，基于从预设可读标记中提取的支付信息来协调交易。 在一些实施例中，本发明从用户接收认证证书，并且使用来自预设可读标记的支付信息来认证用户来批准支付。