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    IN-PERSON ONE-TAP PURCHASING APPARATUSES, METHODS AND SYSTEMS
    1.
    发明申请
    IN-PERSON ONE-TAP PURCHASING APPARATUSES, METHODS AND SYSTEMS 审中-公开
    个人一手购买设备，方法和系统

    公开(公告)号：US20120271712A1

    公开(公告)日：2012-10-25

    申请号：US13429670

    申请日：2012-03-26

    申请人： Edward Katzin ,  John Kheit ,  Ayman Hammad ,  Julian Hua ,  Jerry Wald

    发明人： Edward Katzin ,  John Kheit ,  Ayman Hammad ,  Julian Hua ,  Jerry Wald

    IPC分类号： G06Q30/06 ,  G06Q30/02

    CPC分类号： G06Q30/06 ,  G06Q20/0453 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q20/3221 ,  G06Q20/3274 ,  G06Q20/3276 ,  G06Q20/36 ,  G06Q20/387 ,  G06Q30/0251 ,  G07G1/0036 ,  G07G1/0081 ,  G07G3/003

    摘要： Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user's smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat.

    摘要翻译： 公开了用于将产品代码快照转换为实时，提供驱动的电子购买交易通知以减少欺诈的方法，系统和设备。 在一个实施例中，智能手机从产品包中扫描产品标识符，服务器访问产品数据库以获得与产品标识符相关联的产品购买提议，用户从他或她的钱包授权信用卡收费，然后产品购买 提供或其他信用卡优惠（用于积分或其他）提供给用户移动设备。 在用户在商店的通道中购买物品之后，用户的智能手机显示可由出口扫描的条形码电子收据，以便消费者可以随着产品走出去。 在一些实施例中，客户服务代表请求视频聊天，并且基于视频聊天的接受降低交易风险分数。

    Social Media Payment Platform Apparatuses, Methods and Systems
    2.
    发明申请
    Social Media Payment Platform Apparatuses, Methods and Systems 审中-公开
    社交媒体支付平台设备，方法和系统

    公开(公告)号：US20120158589A1

    公开(公告)日：2012-06-21

    申请号：US13327740

    申请日：2011-12-15

    申请人： Edward Katzin ,  Julian Hua

    发明人： Edward Katzin ,  Julian Hua

    IPC分类号： G06Q20/40 ,  G06Q20/36 ,  G06Q20/08

    CPC分类号： G06Q20/12 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q50/01

    摘要： The SOCIAL MEDIA PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“SocialPay”) transform message posts to social networks via SocialPay components into payment transaction receipts social merchant-consumer bridging offers. In one implementation, the SocialPay obtains a user social pay initiation trigger, and obtains user social data from a social networking site. The SocialPay identifies a social pay command within the user social data. In one implementation, the SocialPay, in identifying the social pay command within the user social data, parses the user social data, and extracts a social pay command string within the user social data. The SocialPay determines a payor identifier, a payee identifier, and a payment amount using the social pay command string. Based on the identified social pay command, the SocialPay initiates a funds payment transaction.

    摘要翻译： 社交媒体付款平台设备，方法和系统（“SocialPay”）将社交网络的消息帖子通过SocialPay组件转换为支付交易收据社交商家 - 消费者桥接优惠。 在一个实现中，SocialPay获得用户社交支付启动触发器，并从社交网站获取用户社交数据。 SocialPay在用户社交数据中识别社会付费指令。 在一个实现中，SocialPay在用户社交数据中识别社会付费命令，解析用户社交数据，并在用户社交数据中提取社会付费命令字符串。 SocialPay使用社会付费命令字符串来确定付款人标识符，收款人标识符和支付金额。 根据确定的社会收入指示，SocialPay发起资金支付交易。

    Universal Value Exchange Apparatuses, Methods and Systems
    4.
    发明申请
    Universal Value Exchange Apparatuses, Methods and Systems 审中-公开
    通用价值交换设备，方法和系统

    公开(公告)号：US20120233073A1

    公开(公告)日：2012-09-13

    申请号：US13348634

    申请日：2012-01-11

    申请人： Diane Salmon ,  Susan French ,  Victoria Graham ,  Amil Bhargava ,  Shipra Jha ,  Mark Carlson ,  Edward Katzin ,  Julian Hua

    发明人： Diane Salmon ,  Susan French ,  Victoria Graham ,  Amil Bhargava ,  Shipra Jha ,  Mark Carlson ,  Edward Katzin ,  Julian Hua

    IPC分类号： G06Q40/00 ,  G06Q30/06

    CPC分类号： G06Q40/00 ,  G06Q20/381

    摘要： The UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS (“UVE”) transform cross-ecosystem currency exchange instructions via UVE components into cross-ecosystem currency exchanges. In one embodiment, the UVE may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVE may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVE may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVE may also issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange has been completed and provide a notification of completion of the cross-ecosystem currency exchange.

    摘要翻译： 通用价值交换设备，方法和系统（“UVE”）通过UVE组件将跨生态系统货币兑换指令转换为跨生态系统货币交换。 在一个实施例中，UVE可以获得跨生态系统货币兑换指令，并且基于解析跨生态系统货币兑换指令来确定一个或多个源和目的地。 UVE可以确定与来源和目的地相关联的货币类型，并确定货币类型相对于标准货币的汇率。 在一个实施中，UVE可以获得与源和目的地相关联的货币兑换限制和条件，并且产生用于从源到目的地的货币转移的货币兑换流动路径。 UVE还可以向来源和目的地发出货币转移请求，确定跨生态系统货币兑换已经完成，并提供完成跨生态系统货币兑换的通知。

    Gateway abstraction layer
    6.
    发明授权
    Gateway abstraction layer 有权
    网关抽象层

    公开(公告)号：US08543508B2

    公开(公告)日：2013-09-24

    申请号：US13180391

    申请日：2011-07-11

    申请人： Edward Katzin ,  Mark Carlson

    发明人： Edward Katzin ,  Mark Carlson

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/00 ,  G06Q20/027 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/40

    摘要： Systems, gateway computers, and methods for using a gateway abstraction layer and application platform interfaces for conducting service transactions are disclosed. A gateway abstraction layer computers can receive service requests in multiple message formats or communication protocols, transform those service requests into other message formats to process the service using one or more networks or third-party service providers. The results of the service request can then be translated back to the message format in which the original service request was received. The gateway abstraction layer can be maintained using update messages received from service providers.

    摘要翻译： 公开了系统，网关计算机以及用于进行服务交易的网关抽象层和应用平台接口的方法。 网关抽象层计算机可以以多种消息格式或通信协议接收服务请求，将这些服务请求转换为其他消息格式，以使用一个或多个网络或第三方服务提供商来处理服务。 然后可以将服务请求的结果转换回接收原始服务请求的消息格式。 可以使用从服务提供商接收的更新消息来维护网关抽象层。

    HEALTH INFORMATION SERVICES USING PHONE
    7.
    发明申请
    HEALTH INFORMATION SERVICES USING PHONE 审中-公开
    使用电话的健康信息服务

    公开(公告)号：US20080319794A1

    公开(公告)日：2008-12-25

    申请号：US11765581

    申请日：2007-06-20

    申请人： Mark Carlson ,  Edward Katzin

    发明人： Mark Carlson ,  Edward Katzin

    IPC分类号： G06Q50/00 ,  H04M1/66

    CPC分类号： G06Q20/3255 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q50/22 ,  G06Q50/24 ,  G16H10/60 ,  G16H10/65

    摘要： A method for storage and access to patient information over a payment processing network is disclosed. One embodiment of the invention includes receiving an authentication response message indicating that a requester is authorized to receive medical information, collecting medical information from various medical institutions via a payment processing network, storing the collected medical information at a central location, and providing specific medical information to the requester from the stored collected medical information.

    摘要翻译： 公开了一种通过支付处理网络存储和访问患者信息的方法。 本发明的一个实施例包括接收指示请求者被授权接收医疗信息的认证响应消息，经由支付处理网络从各医疗机构收集医疗信息，将收集到的医疗信息存储在中心位置，并提供特定医疗信息 从存储的收集的医疗信息到请求者。

    SYSTEM AND METHOD FOR CUSTOM SERVICE MARKETS
    9.
    发明申请
    SYSTEM AND METHOD FOR CUSTOM SERVICE MARKETS 审中-公开
    自定义服务市场的系统和方法

    公开(公告)号：US20150170259A1

    公开(公告)日：2015-06-18

    申请号：US14622278

    申请日：2015-02-13

    申请人： Edward Katzin ,  Mark Carlson

    发明人： Edward Katzin ,  Mark Carlson

    IPC分类号： G06Q30/06 ,  G06Q20/14

    CPC分类号： G06Q30/0641 ,  G06Q20/0855 ,  G06Q20/145 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q30/0613 ,  G06Q40/02

    摘要： Methods and systems for providing custom services are disclosed. A developer interface provides standards, such as an application platform interface, for developers to use to make and test applications and services. A user interface can access downloadable or hosted services or applications to multiple users, such as, merchants, banks and networks. The system can then provide custom individual or packages of services to users based on the services requested by the user and charge the user for them on a subscription or per-use basis.

    摘要翻译： 公开了提供定制服务的方法和系统。 开发人员界面提供开发人员用于制作和测试应用程序和服务的标准，例如应用程序平台接口。 用户界面可以向多个用户（如商家，银行和网络）访问可下载或托​​管的服务或应用程序。 然后，该系统可以基于用户请求的服务向用户提供定制的个人或一组服务，并以订阅或每次使用为该用户收取费用。

    MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS
    10.
    发明申请
    MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开

    公开(公告)号：US20190080307A1

    公开(公告)日：2019-03-14

    申请号：US16189792

    申请日：2018-11-13

    申请人： Edward Katzin ,  Phillip L. Kumnick ,  Theodore David Harris ,  Patrick Faith ,  Jennifer A. Schulz

    发明人： Edward Katzin ,  Phillip L. Kumnick ,  Theodore David Harris ,  Patrick Faith ,  Jennifer A. Schulz

    IPC分类号： G06Q20/20 ,  G06Q20/40 ,  G06Q20/02 ,  G06Q20/12

    摘要： The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.