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    EXPEDITED REGISTRATION AND PROCESSING OF OFFERS AT A POINT OF TRANSACTION
    1.
    发明申请
    EXPEDITED REGISTRATION AND PROCESSING OF OFFERS AT A POINT OF TRANSACTION 审中-公开
    在交易点进行退税登记和处理

    公开(公告)号：US20140006136A1

    公开(公告)日：2014-01-02

    申请号：US13536730

    申请日：2012-06-28

    申请人： David M. Grigg ,  Matthew A. Calman ,  Peter John Bertanzetti ,  Alicia C. Jones ,  Susan Smith Thomas

    发明人： David M. Grigg ,  Matthew A. Calman ,  Peter John Bertanzetti ,  Alicia C. Jones ,  Susan Smith Thomas

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/0238

    摘要： Embodiments of the invention include systems, methods, and computer-program products for providing an expedited presentment, registration, processing, and using offers and/or loyalty accounts at a point-of-transaction. The system may determine when a user is initiating a transaction at a point-of-transaction associated with a merchant. After the user has initiated the transaction, he/she may be presented with a detectable indicia at the point-of-transaction. An image of the indicia may be captured or scanned by the user via his/her user device. The captured indicia may provide the user with available offers and/or loyalty account or a communication link to receive available offers and/or loyalty accounts. Upon user selection, the available offers and/or loyalty accounts may be applied to the user's current transaction.

    摘要翻译： 本发明的实施例包括用于在交易点提供加速呈现，注册，处理和使用报价和/或忠诚度账户的系统，方法和计算机程序产品。 系统可以确定用户何时在与商家相关联的交易点发起交易。 在用户启动交易之后，他/她可以在交易点被呈现一个可检测的标记。 标记的图像可以由用户经由他/她的用户设备来捕获或扫描。 捕获的标记可以向用户提供可用的报价和/或忠诚度帐户或通信链接以接收可用的报价和/或忠诚度帐户。 在用户选择时，可用的报价和/或忠诚度帐户可以应用于用户的当前交易。

    SYSTEM FOR ITEM LEVEL PAYMENT VEHICLE SUGGESTION
    2.
    发明申请
    SYSTEM FOR ITEM LEVEL PAYMENT VEHICLE SUGGESTION 审中-公开
    用于物品水平支付车辆建议的系统

    公开(公告)号：US20140006259A1

    公开(公告)日：2014-01-02

    申请号：US13536466

    申请日：2012-06-28

    申请人： David M. Grigg ,  Matthew A. Calman ,  Susan Smith Thomas ,  Elizabeth S. Votaw ,  Alicia C. Jones ,  Peter John Bertanzetti

    发明人： David M. Grigg ,  Matthew A. Calman ,  Susan Smith Thomas ,  Elizabeth S. Votaw ,  Alicia C. Jones ,  Peter John Bertanzetti

    IPC分类号： G06Q20/22

    CPC分类号： G06Q30/06 ,  G06Q10/10 ,  G06Q20/36 ,  G06Q30/0278

    摘要： Embodiments of the present invention allow a user to use multiple different payment vehicles in a single transaction to purchase a variety of different items wherein the different payment vehicles are chosen because of favorable payment terms associated with a category assigned to the item by receiving information about a transaction, assigning the items in the transaction to at least one category, determining a payment vehicle to use in completing the transaction for each item and using the communication device to transmit to the transaction device the information related to the payment vehicles determined for use in completing the transaction for each item.

    摘要翻译： 本发明的实施例允许用户在单个事务中使用多个不同的支付车辆来购买各种不同的项目，其中由于通过接收关于所述项目的信息而与分配给该项目的类别相关联的有利的支付条款来选择不同的支付车辆 交易，将交易中的项目分配给至少一个类别，确定用于完成每个项目的交易的支付车辆，并且使用通信设备向交易设备发送与确定用于完成的支付车辆相关的信息 每个项目的交易。

    SYSTEMS AND METHODS FOR PRESENTING OFFERS DURING A SHOPPING EXPERIENCE
    10.
    发明申请
    SYSTEMS AND METHODS FOR PRESENTING OFFERS DURING A SHOPPING EXPERIENCE 审中-公开
    在购物经历期间提供优惠的系统和方法

    公开(公告)号：US20140006128A1

    公开(公告)日：2014-01-02

    申请号：US13536806

    申请日：2012-06-28

    申请人： David M. Grigg ,  Alicia C. Jones ,  Matthew A. Calman ,  Susan Smith Thomas

    发明人： David M. Grigg ,  Alicia C. Jones ,  Matthew A. Calman ,  Susan Smith Thomas

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/0253 ,  G06Q30/0251 ,  G06Q30/0255

    摘要： Embodiments of the invention are directed to systems, methods, and computer program products for presenting one or more offers to a user during an online shopping experience including the steps of receiving an input that the user has initiated the online shopping experience, receiving one or more product identifiers, comparing the one or more product identifiers to at least one rule, determining the one or more offers for one or more products associated with the one or more product identifiers, presenting to the user, via a user interface, the offer for the product before the consumer enters the point of transaction area of the store, receiving an input from the user accepting the one or more offers; and transmitting acceptance of the one or more offers by the user to at least one of a financial institution of the user or the merchant.

    摘要翻译： 本发明的实施例涉及用于在在线购物体验期间向用户呈现一个或多个提供的系统，方法和计算机程序产品，包括以下步骤：接收用户已经启动在线购物体验的输入，接收一个或多个 产品标识符，将一个或多个产品标识符与至少一个规则进行比较，确定与一个或多个产品标识符相关联的一个或多个产品的一个或多个提供，经由用户界面呈现给用户的报价 在消费者进入商店的交易区域之前的产品，从接收一个或多个优惠的用户接收输入; 以及将用户的一个或多个提议的接受传送给用户或商家的金融机构中的至少一个。