-
公开(公告)号：US20130103583A1
公开(公告)日：2013-04-25
申请号：US13280533
申请日：2011-10-25
IPC分类号： G06Q20/40
CPC分类号： G06Q20/36
摘要： According to one embodiment, an apparatus may include a memory and a processor. The memory may be operable to store a cash account associated with a cash value and a user. The processor may be operable to receive a request from the user to pay an amount from the cash account. The processor may determine, in response to the request, whether the amount exceeds the cash value associated with the cash account. The processor may then decrease the cash value associated with the cash account by the amount if the amount does not exceed the cash value of the cash account. The processor may then send a notification that includes the decreased cash value associated with the cash account. The apparatus may be associated with an enterprise and the enterprise may exclusively process the request.
摘要翻译： 根据一个实施例，装置可以包括存储器和处理器。 存储器可以可操作地存储与现金价值和用户相关联的现金账户。 处理器可操作以接收来自用户的请求以从现金账户支付金额。 处理器可以响应于该请求确定该金额是否超过与该现金账户相关联的现金值。 然后，如果金额不超过现金账户的现金值，则处理器可以将与现金账户相关联的现金值减少该金额。 然后，处理器可以发送包括与现金账户相关联的减少的现金值的通知。 该设备可以与企业相关联，并且企业可以专门处理该请求。
-
公开(公告)号：US20130080275A1
公开(公告)日：2013-03-28
申请号：US13200455
申请日：2011-09-23
IPC分类号： G06Q20/20
CPC分类号： G06Q20/20 , G06Q20/227 , G06Q20/3223 , G06Q20/385
摘要： According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises a transaction module and a point of sale interface. The transaction module is operable to identify a first account and obtain an obfuscated account number, the obfuscated account number being a temporary-use number associated with a permanent account number of the first account. The point of sale interface is operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising the obfuscated account number.
摘要翻译： 根据一些实施例，用于在客户和商家之间执行交易的交易设备包括交易模块和销售点界面。 交易模块可操作以识别第一帐户并获得混淆的帐号，所述混淆帐号是与第一帐户的永久帐号相关联的临时使用号码。 销售点界面可操作地将交易请求发送到与商家相关联的销售点接收方，该交易请求包括混淆帐号。
-
公开(公告)号：US09111269B2
公开(公告)日：2015-08-18
申请号：US13200433
申请日：2011-09-23
CPC分类号： G06Q20/20 , G06Q20/3278
摘要： According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises an account selection engine and a communication link. The account selection engine operable to receive information identifying at least one characteristic of a proposed transaction, identify a plurality of accounts associated with the customer, and select a first account from among the plurality of accounts based on the at least one characteristic. The communication link is operable to transmit identification of the first account to a point of sale interface of a transaction device, the point of sale interface operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising an account number associated with the first account.
摘要翻译： 根据一些实施例，用于在客户和商家之间执行交易的交易设备包括帐户选择引擎和通信链路。 帐户选择引擎可操作以接收标识所提议的交易的至少一个特征的信息，识别与该客户相关联的多个账户，并且基于该至少一个特征从多个帐户中选择第一帐户。 通信链路可操作以将第一帐户的标识传送到交易设备的销售点界面，该销售点接口可操作以将交易请求发送到与商家相关联的销售点接收点，该交易请求包括一个 与第一个帐户关联的帐号。
-
公开(公告)号：US20130080272A1
公开(公告)日：2013-03-28
申请号：US13200482
申请日：2011-09-23
CPC分类号： G06Q20/20 , G06Q20/227 , G06Q20/3223 , G06Q20/385 , G06Q30/06
摘要： According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises a transaction module and a point of sale interface. The transaction module is operable to receive, from the customer, a selection of a first account from among a plurality of accounts, wherein the selection of the first account is received from the customer when the customer is located at a facility associated with the merchant. The transaction module also obtains an account number associated with the first account, each account of the plurality of accounts being associated with an account number. The point of sale interface is operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising the account number associated with the first account.
摘要翻译： 根据一些实施例，用于在客户和商家之间执行交易的交易设备包括交易模块和销售点界面。 交易模块可操作以从客户接收多个帐户中的第一帐户的选择，其中当客户位于与商家相关联的设施时，从客户接收到第一帐户的选择。 交易模块还获得与第一帐户相关联的帐号，多个帐户的每个帐户与帐号相关联。 销售点界面可操作地将交易请求传送到与商家相关联的销售点接收者，该交易请求包括与第一帐户相关联的帐号。
-
公开(公告)号：US20130080270A1
公开(公告)日：2013-03-28
申请号：US13200433
申请日：2011-09-23
IPC分类号： G06Q20/20
CPC分类号： G06Q20/20 , G06Q20/3278
摘要： According to some embodiments, a transaction device for performing a transaction between a customer and a merchant comprises an account selection engine and a communication link. The account selection engine operable to receive information identifying at least one characteristic of a proposed transaction, identify a plurality of accounts associated with the customer, and select a first account from among the plurality of accounts based on the at least one characteristic. The communication link is operable to transmit identification of the first account to a point of sale interface of a transaction device, the point of sale interface operable to transmit a transaction request to a point of sale receiver associated with the merchant, the transaction request comprising an account number associated with the first account.
-
公开(公告)号：US09105020B2
公开(公告)日：2015-08-11
申请号：US13200439
申请日：2011-09-23
CPC分类号： G06Q20/20 , G06Q20/3278
摘要： According to some embodiments, a transaction processing system for evaluating transactions between a customer and a merchant comprises a transaction tracker, an account selection engine, and a performance module. The transaction tracker is operable to identify a transaction executed by a customer using a transaction device, the transaction device being operable to execute a transaction with a point of sale receiver associated with the merchant by providing an account number for a first account of the plurality of accounts. The account selection engine is operable to receive information identifying at least one characteristic of the transaction and select a recommended account based on the at least one characteristic. The performance module is operable to compare the first account with the recommended account to determine whether the customer would have received a financial benefit by executing the transaction using the recommended account instead of the first account.
摘要翻译： 根据一些实施例，用于评估客户和商家之间的交易的交易处理系统包括交易跟踪器，账户选择引擎和表现模块。 交易跟踪器可操作以识别客户使用交易设备执行的交易，所述交易设备可操作以通过为所述多个客户的第一帐户提供帐号来执行与所述商家相关联的销售点接收者的交易 帐户。 账户选择引擎可操作以接收识别交易的至少一个特征的信息，并且基于该至少一个特征选择推荐账户。 绩效模块可操作以将第一帐户与推荐帐户进行比较，以确定客户是否将通过使用推荐帐户而不是第一个帐户执行交易来获得经济利益。
-
公开(公告)号：US20130080271A1
公开(公告)日：2013-03-28
申请号：US13200439
申请日：2011-09-23
IPC分类号： G06Q20/20
CPC分类号： G06Q20/20 , G06Q20/3278
摘要： According to some embodiments, a transaction processing system for evaluating transactions between a customer and a merchant comprises a transaction tracker, an account selection engine, and a performance module. The transaction tracker is operable to identify a transaction executed by a customer using a transaction device, the transaction device being operable to execute a transaction with a point of sale receiver associated with the merchant by providing an account number for a first account of the plurality of accounts. The account selection engine is operable to receive information identifying at least one characteristic of the transaction and select a recommended account based on the at least one characteristic. The performance module is operable to compare the first account with the recommended account to determine whether the customer would have received a financial benefit by executing the transaction using the recommended account instead of the first account.
-
公开(公告)号：US07421153B1
公开(公告)日：2008-09-02
申请号：US10827203
申请日：2004-04-19
申请人： James G. Ronca , David T. Frew
发明人： James G. Ronca , David T. Frew
CPC分类号： G07F19/206 , G06Q20/04 , G06Q20/227 , G06Q40/02
摘要： A system and method for processing financial information is provided. A client request may be received through an application program interface (API). A first set of data based on the client request may be retrieved through the API from a first information repository comprising information on debit transactions and credit transactions. The first set of results may be transmitted to the client application for display. A second client request based on the first set of results may be received through the API from the client application, and a second set of data may be retrieved through the API from a second information repository comprising information on credit transactions and component deposit items. The second set of results may be transmitted back to the client application for display. A third client request based on the second set of results may be received, and corresponding financial image information may be retrieved from an image information repository and transmitted back to the client application for display.
摘要翻译： 提供了一种处理财务信息的系统和方法。 客户端请求可以通过应用程序接口（API）接收。 基于客户端请求的第一组数据可以通过API从包含有关借记交易和信用交易的信息的第一信息存储库检索。 第一组结果可以传送给客户端应用程序进行显示。 基于第一组结果的第二客户端请求可以通过来自客户端应用的API接收，并且可以通过API从第二信息库中检索第二组数据，该第二信息库包括关于信用交易和分量存款项的信息。 第二组结果可能会传回客户端应用程序进行显示。 可以接收基于第二组结果的第三客户端请求，并且可以从图像信息库检索相应的财务图像信息，并将其发送回客户端应用程序进行显示。
-
公开(公告)号：US20120030107A1
公开(公告)日：2012-02-02
申请号：US12847652
申请日：2010-07-30
申请人： Lisa Gibson , James G. Ronca , Kerry Cantley
发明人： Lisa Gibson , James G. Ronca , Kerry Cantley
IPC分类号： G06Q40/00
CPC分类号： G06Q20/42 , G06Q20/10 , G06Q20/1085 , G06Q20/389 , G07G3/00
摘要： Systems and methods for generating transaction records with imaging are described. Data representative of a transaction of a user may be received and a transaction record for the transaction may be generated. A user request to withdraw an amount of monetary funds from an account associated with the transaction may be received. At least one captured image of the user during the transaction may be associated with the transaction record. Monetary funds from the account in the amount requested by the user may be outputted, and the transaction record may be stored in a database. Upon determining the amount of monetary funds requested for withdrawal exceeds a first threshold, at least one image of the user may be captured, and a copy of the at least one captured image of the user or a link to the at least one captured image may be stored in the transaction record.
摘要翻译： 描述了使用成像生成交易记录的系统和方法。 可以接收表示用户的交易的数据，并且可以生成用于交易的交易记录。 可以接收用户从与该交易相关联的账户中提取金额的资金的请求。 交易期间用户的至少一个拍摄图像可以与交易记录相关联。 可以输出由用户要求的金额的帐户中的货币资金，并且交易记录可以存储在数据库中。 在确定所提取的货币资金量超过第一阈值时，可以捕获用户的至少一个图像，并且该用户的至少一个拍摄图像的副本或者至少一个拍摄图像的链接的副本可以 存储在交易记录中。
-
公开(公告)号：US08639062B2
公开(公告)日：2014-01-28
申请号：US11869123
申请日：2007-10-09
申请人： Matthew A. Calman , Lisa Gibson , Lowell R. Huff , James G. Ronca
发明人： Matthew A. Calman , Lisa Gibson , Lowell R. Huff , James G. Ronca
IPC分类号： G06K9/00 , G06K9/46 , G06K9/54 , G06K9/60 , G06K9/66 , G06F21/00 , G06F17/30 , G06F12/00 , G06F13/00 , G06F13/28 , H04L9/32
CPC分类号： G06K9/18 , G06F17/30247 , G06K9/033 , G06T1/0028 , G06T2201/0201 , H04N1/32128 , H04N1/32144 , H04N2201/3235 , H04N2201/3236 , H04N2201/327 , H04N2201/3281
摘要： Image integrity in an archive can be verified using document characteristics. Embodiments of the invention provide a way to verify the integrity of a stored document image by determining document characteristics, which can also be embedded in the image file. Before allowing access to the image file by an application, the characteristics data from an image analysis can be compared to either or both of, characteristics information otherwise stored, or embedded characteristics data. The embedded data can optionally be encrypted. In example embodiments the data can include a result of an optical character recognition of contents of the document, a length of data describing the image, a percentage of a specified color of pixels in the image, or a checksum. Example embedding techniques can include those making use of a tagged image file format (TIFF) header, a steganographic watermark, or an image artifact.
摘要翻译： 存档中的图像完整性可以使用文档特征进行验证。 本发明的实施例提供了一种通过确定文档特性来验证所存储的文档图像的完整性的方式，文档特征也可以被嵌入在图像文件中。 在允许应用程序访问图像文件之前，来自图像分析的特征数据可以与另外存储的特征信息或嵌入的特征数据中的一个或两者进行比较。 嵌入式数据可以可选地加密。 在示例实施例中，数据可以包括文档内容的光学字符识别的结果，描述图像的数据的长度，图像中指定的像素颜色的百分比或校验和。 示例嵌入技术可以包括使用标记图像文件格式（TIFF）头，隐写水印或图像伪影的那些。
-
-
-
-
-
-
-
-
-
搜索结果
17 条记录 (耗时 0.026 秒)
