公开(公告)号：US20130073462A1

公开(公告)日：2013-03-21

申请号：US13235992

申请日：2011-09-19

申请人： Mark D. Zanzot ,  Christopher R. Griggs ,  David T. Frew ,  Tony England ,  Lisa Gibson

发明人： Mark D. Zanzot ,  Christopher R. Griggs ,  David T. Frew ,  Tony England ,  Lisa Gibson

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q20/3223 ,  G06Q20/385 ,  G06Q20/405 ,  G06Q40/02

摘要： In an exemplary embodiment, a method includes receiving, from a mobile device, a payment transaction between a customer and a merchant. A customer account identifier and a merchant account identifier of the payment transaction may be determined. The method further includes communicating the customer account identifier to an enterprise to determine whether the customer account identifier corresponds to a customer account associated with the enterprise. If the customer account identifier and the merchant account identifier each correspond to a respective account associated with the enterprise, an indication that the enterprise initiates the processing of the payment transaction is received, and a notification that the payment transaction was processed is sent. If the customer account identifier and the merchant account identifier do not each correspond to a respective account associated with the enterprise, a notification that the payment transaction was not processed is sent.

摘要翻译： 在示例性实施例中，一种方法包括从移动设备接收客户和商家之间的支付交易。 可以确定支付交易的客户帐户标识符和商家帐户标识符。 该方法还包括将客户帐户标识符传达给企业以确定客户帐户标识符是否对应于与企业相关联的客户帐户。 如果客户帐户标识符和商家帐户标识符各自对应于与企业相关联的相应帐户，则接收到企业发起支付交易处理的指示，并且发送支付交易被处理的通知。 如果客户帐户标识符和商家帐户标识符不都对应于与企业相关联的相应帐户，则发送没有处理支付交易的通知。

公开(公告)号：US20130073461A1

公开(公告)日：2013-03-21

申请号：US13235823

申请日：2011-09-19

申请人： Mark D. Zanzot ,  Christopher R. Griggs ,  David T. Frew ,  Tony England ,  Lisa Gibson

发明人： Mark D. Zanzot ,  Christopher R. Griggs ,  David T. Frew ,  Tony England ,  Lisa Gibson

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/401

摘要： In an exemplary embodiment, a method includes receiving a payment transaction comprising a customer account identifier and a merchant account identifier. A processor may determine whether the customer account identifier and merchant account identifier correspond to respective accounts associated with the enterprise. If the account identifiers each correspond to a respective account associated with the enterprise, the processing of the payment transaction is initiated at the enterprise and a notification that the enterprise initiates the processing of the payment transaction is sent. If the account identifiers do not each correspond to a respective account associated with the enterprise, a notification that the payment transaction was not processed may be sent.

摘要翻译： 在示例性实施例中，一种方法包括接收包括客户帐户标识符和商家帐户标识符的支付交易。 处理器可以确定客户帐户标识符和商家帐户标识符是否对应于与企业相关联的相应帐户。 如果帐号标识符对应于与企业相关联的相应帐户，则在企业发起支付交易的处理，并发送企业启动支付交易处理的通知。 如果帐户标识符不都对应于与企业相关联的相应帐户，则可以发送不处理支付交易的通知。

公开(公告)号：US20130067551A1

公开(公告)日：2013-03-14

申请号：US13231208

申请日：2011-09-13

申请人： David T. Frew ,  Mark D. Zanzot ,  Tony England ,  Lisa Gibson

发明人： David T. Frew ,  Mark D. Zanzot ,  Tony England ,  Lisa Gibson

IPC分类号： H04L9/32 ,  G06F15/16 ,  G06F21/00

CPC分类号： H04W12/06 ,  G06F21/31 ,  G06F21/32 ,  G06F21/35 ,  G06Q20/20 ,  G06Q20/3674 ,  G06Q20/40 ,  H04L9/32 ,  H04L9/321 ,  H04L9/3215 ,  H04L9/3231 ,  H04L2209/56

摘要： In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and a second user credential, the second user credential, wherein the second user credential comprises user input data captured by a sensor. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.

摘要翻译： 在示例性实施例中，系统包括可操作以存储与用户帐户相关联的用户帐户标识符和与移动设备相关联的移动设备标识符的存储器。 存储器还可操作以存储第一用户凭证和第二用户凭证，第二用户凭证，其中第二用户证书包括由传感器捕获的用户输入数据。 该系统包括可操作以接收用于认证请求用户的请求的网络接口。 该系统还包括处理器，其可操作以确定包括在请求中的信息以促进请求用户的认证，以及包括在请求中的信息是否与与用户帐户相关联的信息匹配。 如果请求与用户帐户相关联并且包括在请求中的信息与与用户帐户相关联的信息匹配，则处理器还可操作以对请求用户进行认证。

公开(公告)号：US08433288B2

公开(公告)日：2013-04-30

申请号：US13231119

申请日：2011-09-13

申请人： David T. Frew ,  Mark D. Zanzot ,  Tony England ,  Lisa Gibson

发明人： David T. Frew ,  Mark D. Zanzot ,  Tony England ,  Lisa Gibson

IPC分类号： H04M1/66

CPC分类号： H04W12/06 ,  H04L63/0876 ,  H04L63/0892

摘要： In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and store a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and store a second user credential, the second user credential, wherein the second user credential comprises a peripheral device identifier. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.

摘要翻译： 在示例性实施例中，系统包括可操作以存储与用户帐户相关联的用户帐户标识并存储与移动设备相关联的移动设备标识符的存储器。 存储器还可操作以存储第一用户凭证并存储第二用户证书，第二用户证书，其中第二用户证书包括外围设备标识符。 该系统包括可操作以接收用于认证请求用户的请求的网络接口。 该系统还包括处理器，其可操作以确定包括在请求中的信息以促进请求用户的认证，以及包括在请求中的信息是否与与用户帐户相关联的信息匹配。 如果请求与用户帐户相关联并且包括在请求中的信息与与用户帐户相关联的信息匹配，则处理器还可操作以对请求用户进行认证。

公开(公告)号：US20130065556A1

公开(公告)日：2013-03-14

申请号：US13231119

申请日：2011-09-13

申请人： David T. Frew ,  Mark D. Zanzot ,  Tony England ,  Lisa Gibson

发明人： David T. Frew ,  Mark D. Zanzot ,  Tony England ,  Lisa Gibson

IPC分类号： H04W12/06

CPC分类号： H04W12/06 ,  H04L63/0876 ,  H04L63/0892

摘要： In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and store a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and store a second user credential, the second user credential, wherein the second user credential comprises a peripheral device identifier. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.

摘要翻译： 在示例性实施例中，系统包括可操作以存储与用户帐户相关联的用户帐户标识并存储与移动设备相关联的移动设备标识符的存储器。 存储器还可操作以存储第一用户凭证并存储第二用户证书，第二用户证书，其中第二用户证书包括外围设备标识符。 该系统包括可操作以接收用于认证请求用户的请求的网络接口。 该系统还包括处理器，其可操作以确定包括在请求中的信息以促进请求用户的认证，以及包括在请求中的信息是否与与用户帐户相关联的信息匹配。 如果请求与用户帐户相关联并且包括在请求中的信息与与用户帐户相关联的信息匹配，则处理器还可操作以对请求用户进行认证。

公开(公告)号：US09204298B2

公开(公告)日：2015-12-01

申请号：US13231208

申请日：2011-09-13

申请人： David T. Frew ,  Mark D. Zanzot ,  Tony England ,  Lisa Gibson

发明人： David T. Frew ,  Mark D. Zanzot ,  Tony England ,  Lisa Gibson

IPC分类号： H04W12/06 ,  H04L9/32 ,  G06Q20/40 ,  G06Q20/20 ,  G06Q20/36 ,  G06F21/31 ,  G06F21/32 ,  G06F21/35

CPC分类号： H04W12/06 ,  G06F21/31 ,  G06F21/32 ,  G06F21/35 ,  G06Q20/20 ,  G06Q20/3674 ,  G06Q20/40 ,  H04L9/32 ,  H04L9/321 ,  H04L9/3215 ,  H04L9/3231 ,  H04L2209/56

摘要： In an exemplary embodiment, a system includes a memory operable to store a user account identifier associated with a user account and a mobile device identifier associated with a mobile device. The memory is also operable to store a first user credential and a second user credential, the second user credential, wherein the second user credential comprises user input data captured by a sensor. The system includes a network interface operable to receive a request to authenticate a requesting user. The system also includes a processor operable to determine information included in the request to facilitate authentication of the requesting user and whether the information included in the request matches the information associated with the user account. The processor is further operable to authenticate the requesting user if the request is associated with the user account and information included in the request matches the information associated with the user account.

摘要翻译： 在示例性实施例中，系统包括可操作以存储与用户帐户相关联的用户帐户标识符和与移动设备相关联的移动设备标识符的存储器。 存储器还可操作以存储第一用户凭证和第二用户凭证，第二用户凭证，其中第二用户证书包括由传感器捕获的用户输入数据。 该系统包括可操作以接收用于认证请求用户的请求的网络接口。 该系统还包括处理器，其可操作以确定包括在请求中的信息以促进请求用户的认证，以及包括在请求中的信息是否与与用户帐户相关联的信息匹配。 如果请求与用户帐户相关联并且包括在请求中的信息与与用户帐户相关联的信息匹配，则处理器还可操作以对请求用户进行认证。

公开(公告)号：US20130103583A1

公开(公告)日：2013-04-25

申请号：US13280533

申请日：2011-10-25

申请人： James G. Ronca ,  David T. Frew ,  Tony England ,  Lisa Gibson ,  Christopher R. Griggs

发明人： James G. Ronca ,  David T. Frew ,  Tony England ,  Lisa Gibson ,  Christopher R. Griggs

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：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

IPC分类号： G06K9/54 ,  G06K9/00 ,  G06K9/60

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：US08352383B2

公开(公告)日：2013-01-08

申请号：US11962992

申请日：2007-12-21

申请人： Matthew A. Calman ,  David T. Frew ,  Robert Leonard Kee ,  Johnny David Phillips ,  Truxton B Pratt ,  Kim D. Smith ,  Michael A. Tate

发明人： Matthew A. Calman ,  David T. Frew ,  Robert Leonard Kee ,  Johnny David Phillips ,  Truxton B Pratt ,  Kim D. Smith ,  Michael A. Tate

IPC分类号： G06Q30/00

CPC分类号： B07C3/00 ,  G06Q30/0283

摘要： The present invention provides systems, methods, and computer program products for altering delivery of a piece by altering either the delivery address, mode of processing, and/or the mode of delivery. The invention provide an indicia associated with the piece of mail including instructions that are at least one of a different delivery address, mode of processing, or a mode of delivery than that originally designated for the piece of mail. During mail sorting and processing, the indicia associated with the piece of mail are analyzed. Either the delivery address, mode of processing, and/or mode of delivery currently associated with the piece of mail are altered to conform with the delivery address, mode of processing, and/or mode of delivery indicated by the indicia. In some embodiments, the indicia is altered by on a business parameter, such as a monetary value associated with the contents of the piece of mail.

摘要翻译： 本发明提供了通过改变传送地址，处理方式和/或传送方式来改变片段传送的系统，方法和计算机程序产品。 本发明提供与该邮件相关联的标记，其包括与原始指定用于该邮件的不同的递送地址，处理模式或者传送方式中的至少一个的指令。 在邮件排序和处理期间，分析与该邮件相关联的标记。 改变当前与该邮件相关联的传送地址，处理模式和/或传送模式以符合由标记指示的传送地址，处理模式和/或传送模式。 在一些实施例中，标记根据业务参数（例如与邮件内容相关联的货币价值）而改变。

公开(公告)号：US20090319424A1

公开(公告)日：2009-12-24

申请号：US12264978

申请日：2008-11-05

申请人： Matthew A. Calman ,  Doug Dejong ,  Todd Inskeep ,  Garrett C. Briggs ,  Marie LaQuerre ,  Kevin Benton ,  Mark Zanzot ,  Robert L. Kee ,  David T. Frew

发明人： Matthew A. Calman ,  Doug Dejong ,  Todd Inskeep ,  Garrett C. Briggs ,  Marie LaQuerre ,  Kevin Benton ,  Mark Zanzot ,  Robert L. Kee ,  David T. Frew

IPC分类号： G06Q40/00

CPC分类号： G06Q20/04 ,  G06Q20/042 ,  G06Q20/108 ,  G06Q40/00 ,  G06Q40/02 ,  G07F19/20 ,  G07F19/202

摘要： Apparatus and methods for electronically depositing a check in a bank account. In some embodiments, the apparatus and methods may involve a check identification module configured to analyze content of an electronically imaged postal mail item; and a customer control module configured to receive from a customer an instruction to deposit the check in the bank account.

摘要翻译： 用于在银行账户中电子存入支票的装置和方法。 在一些实施例中，装置和方法可以包括配对以分析电子成像的邮政邮件的内容的检查识别模块; 以及客户控制模块，被配置为从客户接收将支票存入银行账户的指示。