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    READABLE INDICIA FOR A PAYMENT CLAIM
    1.
    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。

    EXPEDITED REGISTRATION AND PROCESSING OF OFFERS AT A POINT OF TRANSACTION
    2.
    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。

    ASSESSING ADVERTISEMENT IMPACT USING ADVERTISEMENT READABLE INDICIA
    4.
    发明申请
    ASSESSING ADVERTISEMENT IMPACT USING ADVERTISEMENT READABLE INDICIA 审中-公开
    使用广告可读指数评估广告影响

    公开(公告)号：US20140046752A1

    公开(公告)日：2014-02-13

    申请号：US13572311

    申请日：2012-08-10

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

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

    IPC分类号： G06Q30/02 ,  G06Q90/00

    CPC分类号： G06Q30/02

    摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing a readable indicia associated with an advertisement associated with a product. The invention presents a readable indicia in association with an advertisement, where the readable indicia includes instructions for triggering a data collection tool. The invention collects data from the data collection tool and analyzes characteristics of the readable indicia and the advertisement in order to determine a customer advertisement impact. The readable indicia may include information indicating at least one of a current date, a time of inception of the advertisement, a placement location of the readable indicia within the advertisement, or a visual characteristic of the readable indicia.

    摘要翻译： 本发明的实施例涉及用于处理与与产品相关联的广告相关联的可读标记的系统，方法和计算机程序产品。 本发明呈现与广告相关联的可读标记，其中可读标记包括用于触发数据收集工具的指令。 本发明从数据收集工具收集数据，分析可读标记和广告的特征，以便确定客户广告的影响。 可读标记可以包括指示当前日期，广告开始时间，广告中可读标记的放置位置或可读标记的视觉特征中的至少一个的信息。

    SYSTEM FOR ITEM LEVEL PAYMENT VEHICLE SUGGESTION
    5.
    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 REBATE REQUEST
    7.
    发明申请
    READABLE INDICIA FOR A REBATE REQUEST 审中-公开
    可以索取RENAS REQUEST的可读指数

    公开(公告)号：US20140025468A1

    公开(公告)日：2014-01-23

    申请号：US13554047

    申请日：2012-07-20

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

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

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/06 ,  G06Q30/0207

    摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a rebate request. An exemplary system is configured to: receive information associated with readable indicia associated with a rebate request; and process the readable indicia to issue a rebate associated with a rebate request, wherein the rebate comprises issuance of a credit associated with a purchase previously made from the merchant.

    摘要翻译： 本发明的实施例涉及用于处理可返回标记用于回扣请求的系统，方法和计算机程序产品。 示例性系统被配置为：接收与可返回请求相关联的可读标记相关联的信息; 并且处理可读标记以发布与回扣请求相关联的折扣，其中所述回扣包括发放与先前从商家进行的购买相关联的信用。

    READABLE INDICIA FOR ADVERTISEMENTS
    8.
    发明申请
    READABLE INDICIA FOR ADVERTISEMENTS 审中-公开
    广告可阅读指标

    公开(公告)号：US20140046854A1

    公开(公告)日：2014-02-13

    申请号：US13572288

    申请日：2012-08-10

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

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

    IPC分类号： G06Q30/02 ,  G06Q20/00 ,  G06Q40/00 ,  G06Q20/40 ,  G06Q20/32

    CPC分类号： G06Q30/0251 ,  G06Q20/12 ,  G06Q20/3274 ,  G06Q20/4014

    摘要： Embodiments of the invention are directed to systems, methods and computer program products for processing a readable indicia associated with an advertisement associated with a product. The invention decodes the readable indicia to determine product purchase information, wherein the product purchase information is associated with the product, receives authentication credentials associated with a payment account, and processes the authentication credentials to authorize a payment associated with the product purchase information. In some embodiments, the invention extracts a link from the readable indicia or a second readable indicia associated with the advertisement and initiates a user interface associated with the link. In some embodiments, the invention populates some or all the product purchase information into at least one of a user's notes, calendar or budget, and in some, the advertisement is placed proximate the product within a merchant's business.

    摘要翻译： 本发明的实施例涉及用于处理与与产品相关联的广告相关联的可读标记的系统，方法和计算机程序产品。 本发明解码可读标记以确定产品购买信息，其中产品购买信息与产品相关联，接收与支付帐户相关联的认证证书，并且处理认证证书以授权与产品购买信息相关联的支付。 在一些实施例中，本发明从可读标记或与广告相关联的第二可读标记中提取链接并发起与链接相关联的用户界面。 在一些实施例中，本发明将一些或所有产品购买信息填充到用户的笔记，日历或预算中的至少一个中，并且在一些实施例中，广告被放置在商家业务内的产品附近。

    MOBILE SYSTEM FOR PRE-PROCESSING SALES RETURNS
    9.
    发明申请
    MOBILE SYSTEM FOR PRE-PROCESSING SALES RETURNS 审中-公开
    用于预处理销售退货的移动系统

    公开(公告)号：US20140006199A1

    公开(公告)日：2014-01-02

    申请号：US13536860

    申请日：2012-06-28

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

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

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/06

    摘要： Systems, methods, and computer program products are provided for pre-processing a sales return. The system may initiate a sales return transaction prior to a customer being physically present at a merchant store. To this extent, the system is also capable of transmitting sales return information to a merchant such that the consumer's presence is not necessary in order to process a sales return transaction. Merchants and Consumers may use QR codes to both process payments for sales transactions and initiate sales return transactions.

    摘要翻译： 提供系统，方法和计算机程序产品用于预处理销售退货。 系统可以在客户实际存在于商店之前发起销售回报交易。 在这种程度上，该系统还能够向商家传送销售退货信息，以便为了处理销售退货交易而不需要消费者的存在。 商家和消费者可以使用QR码来处理销售交易的付款并启动销售退货交易。