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公开(公告)号:US20140337175A1
公开(公告)日:2014-11-13
申请号:US13520481
申请日:2012-02-22
申请人: Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人: Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
CPC分类号: G06Q20/36 , G06Q20/204 , G06Q20/322 , G06Q20/367 , G06Q30/00 , G06Q30/06 , G06Q30/0623 , G07F7/0886
摘要: The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
摘要翻译: 通用电子支付设备,方法和系统(“UEP”)将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。 在一个实现中,UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求,获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。 此外,UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。
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公开(公告)号:US10223691B2
公开(公告)日:2019-03-05
申请号:US13520481
申请日:2012-02-22
申请人: Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人: Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
摘要: The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
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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
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。
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公开(公告)号:US20180293585A1
公开(公告)日:2018-10-11
申请号:US16008960
申请日:2018-06-14
申请人: Diane Salmon , Chandra Srivastava
发明人: Diane Salmon , Chandra Srivastava
摘要: A method for providing first data and second data for an interaction is disclosed. The first data is beneficial to a first party and necessary for the interaction, while the second data is beneficial to a second party and is not necessary for the interaction. The first data and second data are provided by a first party device in a single data element. A second party device receives the single data element, separates the first data and second data, and processes the first data and second data separately.
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公开(公告)号:US09721238B2
公开(公告)日:2017-08-01
申请号:US12704445
申请日:2010-02-11
申请人: Diane Salmon , Meara Day Dey , Leigh Amaro
发明人: Diane Salmon , Meara Day Dey , Leigh Amaro
IPC分类号: G06Q20/00 , G06K5/00 , G06Q20/06 , G06Q20/10 , G06Q20/20 , G06Q20/22 , G06Q20/38 , G06Q20/40 , G06Q30/02 , G06Q40/02
CPC分类号: G06Q20/206 , G06Q20/06 , G06Q20/10 , G06Q20/20 , G06Q20/227 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0227 , G06Q40/02
摘要: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.
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公开(公告)号:US20150287037A1
公开(公告)日:2015-10-08
申请号:US14680874
申请日:2015-04-07
申请人: Diane Salmon , Chandra Srivastava
发明人: Diane Salmon , Chandra Srivastava
IPC分类号: G06Q20/40
CPC分类号: G06Q20/4016 , G06Q20/12 , G06Q20/322 , G06Q20/3224 , G06Q20/3227 , G06Q20/3274 , G06Q20/36
摘要: A method for providing first data and second data for an interaction is disclosed. The first data is beneficial to a first party and necessary for the interaction, while the second data is beneficial to a second party and is not necessary for the interaction. The first data and second data are provided by a first party device in a single data element. A second party device receives the single data element, separates the first data and second data, and processes the first data and second data separately.
摘要翻译: 公开了一种用于提供用于交互的第一数据和第二数据的方法。 第一个数据有益于第一方并且是交互所必需的,而第二数据有益于第二方,并且不是交互所必需的。 第一数据和第二数据由单个数据元素中的第一方设备提供。 第二方设备接收单个数据元素,分离第一数据和第二数据,并分别处理第一数据和第二数据。
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公开(公告)号:US20130218657A1
公开(公告)日:2013-08-22
申请号:US13842969
申请日:2013-03-15
申请人: Diane Salmon , Nancy Kim
发明人: Diane Salmon , Nancy Kim
IPC分类号: G06Q30/02
CPC分类号: G06Q30/0228 , G06Q10/00 , G06Q20/381 , G06Q30/02 , G06Q30/0215 , G06Q30/0216 , G06Q40/00
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。
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公开(公告)号:US20100211469A1
公开(公告)日:2010-08-19
申请号:US12704445
申请日:2010-02-11
申请人: Diane Salmon , Meara Day Dey , Leigh Amaro
发明人: Diane Salmon , Meara Day Dey , Leigh Amaro
CPC分类号: G06Q20/206 , G06Q20/06 , G06Q20/10 , G06Q20/20 , G06Q20/227 , G06Q20/387 , G06Q20/40 , G06Q30/02 , G06Q30/0227 , G06Q40/02
摘要: Multiple different non-financial loyalty currencies held by different issuers are used by a consumer as financial tender for a transaction with a merchant. Each issuer pays to a primary issuer the financial currency value of the non-financial loyalty currencies being held in return for a corresponding reduction of the balance of non-financial loyalty currency. For each reduced balance, the primary issuer adds an equivalent primary loyalty currency to a primary loyalty account for the consumer. The primary issuer pays the merchant for the transaction in financial currency and makes an equivalent reduction in the balance of the primary loyalty currency. The financial value of each loyalty currency may be dependent upon its use in a transaction with a competitor of a merchant supplying loyalty currency to the consumer.
摘要翻译: 不同发行人持有的多种不同的非金融忠诚货币被消费者用作与商家进行交易的金融投标。 每个发行人向主要发行人支付非金融忠诚货币的金融货币价值作为回报,以相应减少非金融忠诚货币的余额。 对于每个减少的余额,主要发行人向消费者的主要忠诚账户添加相等的主要忠诚货币。 主要发行人以金融货币支付商家的交易,并使主要忠诚货币的余额相当地减少。 每个忠诚货币的财务价值可能取决于其在与向消费者提供忠诚货币的商人的竞争对手的交易中的使用。
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