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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。

    READABLE INDICIA FOR A PAYMENT CLAIM
    10.
    发明申请
    READABLE INDICIA FOR A PAYMENT CLAIM 审中-公开
    可付费索赔申请书

    公开(公告)号：US20140025574A1

    公开(公告)日：2014-01-23

    申请号：US13554108

    申请日：2012-07-20

    申请人： David M. Grigg ,  Glenn Grossman ,  Matthew A. Calman ,  Susan Smith Thomas ,  Peter John Bertanzetti

    发明人： David M. Grigg ,  Glenn Grossman ,  Matthew A. Calman ,  Susan Smith Thomas ,  Peter John Bertanzetti

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/40

    摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a payment claim. An exemplary system is configured to: receive information associated with readable indicia associated with a payment claim; receive authentication credentials associated with the payment claim; and process the readable indicia and the authentication credentials to authorize a payment associated with the payment claim.

    摘要翻译： 本发明的实施例涉及用于处理支付权利要求的可读标记的系统，方法和计算机程序产品。 示例性系统被配置为：接收与支付权利要求相关联的可读标记相关联的信息; 接收与付款声明相关联的认证凭证; 并处理可读标记和认证凭证以授权与付款声明相关联的支付。