公开(公告)号：US20130054369A1

公开(公告)日：2013-02-28

申请号：US13215020

申请日：2011-08-22

申请人： David M. Grigg ,  Raja Bose ,  Matthew A. Calman ,  Alicia C. Jones ,  Carrie Anne Hanson ,  Elizabeth S. Votaw ,  Erik Stephen Ross

发明人： David M. Grigg ,  Raja Bose ,  Matthew A. Calman ,  Alicia C. Jones ,  Carrie Anne Hanson ,  Elizabeth S. Votaw ,  Erik Stephen Ross

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/06

摘要： A method for communicating one or more offers to one or more users determines a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users, correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, determines to which of the plurality of users to make offers, communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants, and receives, communicated from a mobile device of a user, acceptance or redemption of one or more of the offers.

摘要翻译： 至少部分地基于第一组数据来将一个或多个提议传送给一个或多个用户的方法确定多个用户中的每一个与一个或多个商家之间的距离，其中第一组数据包括相关信息 对多个用户和多个位置，对应于多个用户中的一个或多个的多个位置中的每个位置将每个用户和一个或多个商家之间的距离与一个或多个提供相关联，其中， 旨在诱使一个或多个用户旅行到与一个或多个商家相对应的一个或多个位置，确定多个用户中的哪一个进行提供，至少部分地向所确定的用户传达一个或多个优惠 在每个用户和一个或多个商家之间的相关距离上，并从用户的移动设备接收，接收或兑换一个或多个优惠。

公开(公告)号：US20130046648A1

公开(公告)日：2013-02-21

申请号：US13212094

申请日：2011-08-17

申请人： Matthew A. Calman ,  Susan Smith Thomas ,  Carrie Anne Hanson ,  Alicia C. Jones ,  Erik Stephen Ross

发明人： Matthew A. Calman ,  Susan Smith Thomas ,  Carrie Anne Hanson ,  Alicia C. Jones ,  Erik Stephen Ross

IPC分类号： G06Q30/00

CPC分类号： G06Q30/08

摘要： Embodiments of the invention allow a user to create a virtual shopping list that is used to identify offers for products in which the user is interested. The shopping list may be one single list or may be broken down into categories, in order to group like products together or group products together that can be purchased at one or more locations near each other. The shopping list may be transmitted to one or more businesses, such that the businesses may submit bid requests, in a reverse bid auction, for the one or more products on the shopping list. The best bids of the one or more businesses may be returned to the user. The bids may be identified as the best bids based on the lowest prices for the product, the best quality products, the proper quantities of the products, the locations at which the products are located, etc.

摘要翻译： 本发明的实施例允许用户创建用于识别用户感兴趣的产品的提供的虚拟购物清单。 购物清单可以是单个列表，或者可以分为类别，以将类似产品组合在一起，或将产品集合在一起，可以在彼此附近的一个或多个位置购买。 购物清单可以被传送到一个或多个企业，使得商家可以在反向竞价拍卖中为购物清单上的一个或多个产品提交投标请求。 一个或多个企业的最佳出价可能会退回给用户。 可以根据产品的最低价格，最优质的产品，产品的适当数量，产品的位置等将出价确定为最佳出价。

公开(公告)号：US20120265679A1

公开(公告)日：2012-10-18

申请号：US13088180

申请日：2011-04-15

申请人： Matthew A. Calman ,  Carrie Anne Hanson

发明人： Matthew A. Calman ,  Carrie Anne Hanson

IPC分类号： G06Q40/00 ,  G06F15/16

CPC分类号： G07F19/203 ,  G06Q20/18 ,  G06Q20/3223 ,  G06Q20/3278 ,  G07F19/202 ,  G07F19/206

摘要： Embodiments of the invention provide for seamless transferring of a user interaction session initiated at an ATM to a customer's mobile communication device. By transferring the user interaction session to the customer's mobile communication device, the customer limits their time interacting with the ATM and, thus, frees up the ATM for any other waiting customers. Additionally, the embodiments provide for a highly secure means of transferring the user interaction session from the ATM to the customer's mobile communication device. For example, Near Field Communication (NFC) or the like may be implemented as the communication mechanism, such that the customer is not required to re-authenticate when the interaction session is presented on the mobile communication device.

摘要翻译： 本发明的实施例提供了在ATM发起的用户交互会话到客户的移动通信设备的无缝传送。 通过将用户交互会话转移到客户的移动通信设备，客户限制他们与ATM交互的时间，从而为任何其他等待的客户释放ATM。 此外，实施例提供了将用户交互会话从ATM传送到客户的移动通信设备的高度安全的手段。 例如，可以将近场通信（NFC）等实现为通信机制，使得在移动通信设备上呈现交互会话时不需要客户重新认证。

公开(公告)号：US20130054368A1

公开(公告)日：2013-02-28

申请号：US13215016

申请日：2011-08-22

申请人： David M. Grigg ,  Raja Bose ,  Matthew A. Calman ,  Alicia C. Jones ,  Carrie Anne Hanson ,  Elizabeth S. Votaw ,  Erik Stephen Ross

发明人： David M. Grigg ,  Raja Bose ,  Matthew A. Calman ,  Alicia C. Jones ,  Carrie Anne Hanson ,  Elizabeth S. Votaw ,  Erik Stephen Ross

IPC分类号： G06Q30/00

CPC分类号： G06Q30/06 ,  G06Q30/02

摘要： A method for communicating one or more offers to users determines a distance between each of the users and one or more merchants, based at least in part on a first set of data including information related to users and locations, each corresponding to one or more of the users, correlates the distance between each of the users and the merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the merchants, determines to which of the users to make offers, communicates the offers to the determined users based on the correlated distance between each of the users and the merchants, monitors acceptance rate of the offers, and communicates one or more modified offers to one or more users based on the monitored acceptance rate of the offers.

摘要翻译： 用于向用户传达一个或多个提议的方法至少部分地基于包括与用户和位置相关的信息的第一组数据来确定每个用户与一个或多个商家之间的距离，每一个对应于一个或多个 用户将每个用户和商户之间的距离与一个或多个提供相关联，其中，所述提议旨在诱使一个或多个用户前往与商家相对应的一个或多个位置，确定哪个用户为 根据所述用户和所述商户之间的相关距离，向所确定的用户传送所述优惠，监视所述优惠的接受率，并且基于所监视的接受率将一个或多个修改的优惠传送给一个或多个用户 优惠。

公开(公告)号：US20130046609A1

公开(公告)日：2013-02-21

申请号：US13213922

申请日：2011-08-19

申请人： David M. Grigg ,  Raja Bose ,  Matthew A. Calman ,  Alicia C. Jones ,  Carrie Anne Hanson ,  Elizabeth S. Votaw

发明人： David M. Grigg ,  Raja Bose ,  Matthew A. Calman ,  Alicia C. Jones ,  Carrie Anne Hanson ,  Elizabeth S. Votaw

IPC分类号： G06Q30/00

CPC分类号： G06Q30/08

摘要： Systems and methods for providing user-driven reverse auctions are provided. The systems and methods enable a user to request bids for products or services, receive bids in response to the offers, and manage the bids. The methods provide receiving, at a computing device, a request from a user for an offer for products or services, the request including search criteria; identifying, via the computing device, at least one merchant of said products or services based on the search criteria; sending the request to the at least one merchant and receiving one or more bids from the at least one merchant; and presenting, via a computing device, the one or more bids to the user.

公开(公告)号：US20120265809A1

公开(公告)日：2012-10-18

申请号：US13088181

申请日：2011-04-15

申请人： Carrie Anne Hanson ,  Matthew A. Calman

发明人： Carrie Anne Hanson ,  Matthew A. Calman

IPC分类号： G06F15/16

CPC分类号： H04L67/141 ,  G06Q20/3221 ,  G07F19/20 ,  H04L63/0492 ,  H04L67/306 ,  H04N7/147 ,  H04W4/14 ,  H04W4/80

摘要： Embodiments of the invention provide for wirelessly communicating information from an ATM to a customer's mobile communication device during or proximate in time with the customer's ATM interaction session. More specifically, the information is accessible to the customer through communication of a Uniform Resource Locator (URL) that is wirelessly communicated from the ATM to the customer's mobile communication device. In specific embodiments, the URL may be associated with customer-specific information that is determined, on-the fly during the ATM interaction session, based on customer inputs during the session and/or customer profile data, including transaction history data. In other specific embodiments, the URL may be associated with financial institution contact information, such that the customer may obtain answers to questions related to the ATM interaction session or any other financial institution-related matter using their mobile communication device.

摘要翻译： 本发明的实施例提供了在客户的ATM交互会话期间或接近时间期间从ATM到客户的移动通信设备的信息的无线传送。 更具体地说，通过从ATM到客户的移动通信设备的无线通信的统一资源定位器（URL）的通信，可以让客户访问该信息。 在具体实施例中，URL可以与客户特定信息相关联，该客户特定信息是在ATM交互会话期间，基于会话期间的客户输入和/或客户简档数据（包括交易历史数据）确定的。 在其他具体实施例中，URL可以与金融机构联系信息相关联，使得客户可以使用其移动通信设备获得与ATM交互会话或任何其他与金融机构相关的事项相关的问题的答案。

公开(公告)号：US20150100468A1

公开(公告)日：2015-04-09

申请号：US14049348

申请日：2013-10-09

申请人： JASON P. BLACKHURST ,  Laura C. Bondesen ,  Matthew A. Calman ,  Carrie Anne Hanson ,  Katherine P. Dintenfass

发明人： JASON P. BLACKHURST ,  Laura C. Bondesen ,  Matthew A. Calman ,  Carrie Anne Hanson ,  Katherine P. Dintenfass

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02

摘要： Embodiments of the invention relate to systems, methods, and computer program products for generating an e-receipt for an online banking transaction. The system, method, and computer program product are configured to receive an unstructured e-receipt from a financial institution, the unstructured e-receipt including parameters of an online banking transaction; identify unstructured data associated with the parameters; convert the unstructured data into structured data; and generate a structured e-receipt for the online banking transaction using at least the structured data. In some embodiments, the system associates the e-receipt with a transaction at the financial institution and provides the e-receipt to the customer. The e-receipt allows customers to have a record of an online banking transaction that may not typically have a paper trail. The e-receipt may be used for various purposes and may include structured data fields for ease of analysis.

摘要翻译： 本发明的实施例涉及用于生成用于网上银行交易的电子收据的系统，方法和计算机程序产品。 系统，方法和计算机程序产品被配置为从金融机构接收非结构化的电子收据，包括网络银行交易的参数的非结构化电子收据; 识别与参数相关联的非结构化数据; 将非结构化数据转换为结构化数据; 并使用至少结构化数据生成用于网上银行交易的结构化电子收据。 在一些实施例中，系统将电子收据与金融机构的交易相关联，并将电子收据提供给客户。 电子收据允许客户拥有通常不具有纸张痕迹的网上银行交易记录。 电子收据可以用于各种目的，并且可以包括易于分析的结构化数据字段。

公开(公告)号：US20140006275A1

公开(公告)日：2014-01-02

申请号：US13536821

申请日：2012-06-28

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

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

IPC分类号： G06Q40/00 ,  G06Q20/36

CPC分类号： G06Q20/36 ,  G06Q20/3223 ,  G06Q20/405 ,  G06Q40/02

摘要： In general terms, embodiments of the present invention relate to apparatuses, methods, and computer program products for electronic identification and notification of banking record discrepancies associated with the use of mobile wallet functionality. For example, in some embodiments, an apparatus is provided that comprises a communication device, and a processing device communicable coupled to the communication device, wherein the processing device is configured to (a) receive mobile wallet information from a mobile computing device of the user, wherein the mobile computing device features mobile wallet functionality; (b) compare the mobile wallet information to bank records of the user; (c) determine, based at least partially on the mobile wallet information, whether there is a discrepancy associated with the user's account; and (e) present an indication of whether there is a discrepancy associated with the user's account.

摘要翻译： 一般来说，本发明的实施例涉及用于电子识别和通知与使用移动钱包功能相关联的银行记录差异的装置，方法和计算机程序产品。 例如，在一些实施例中，提供了一种包括通信设备和可通信地耦合到通信设备的处理设备的设备，其中所述处理设备被配置为（a）从所述用户的移动计算设备接收移动钱包信息 ，其中所述移动计算设备具有移动钱包功能; （b）将移动钱包信息与用户的银行记录进行比较; （c）至少部分地基于移动钱包信息来确定是否存在与用户帐户相关联的差异; 和（e）呈现与该用户的帐户相关联的差异的指示。

公开(公告)号：US20130054367A1

公开(公告)日：2013-02-28

申请号：US13215012

申请日：2011-08-22

申请人： David M. Grigg ,  Raja Bose ,  Matthew A. Calman ,  Alicia C. Jones ,  Carrie Anne Hanson ,  Elizabeth S. Votaw ,  Erik Stephen Ross

发明人： David M. Grigg ,  Raja Bose ,  Matthew A. Calman ,  Alicia C. Jones ,  Carrie Anne Hanson ,  Elizabeth S. Votaw ,  Erik Stephen Ross

IPC分类号： G06Q30/00

CPC分类号： G06Q30/0207

摘要： A method communicates one or more offers to a customer by determining a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users. The method then correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, collects a second set of data, wherein the second set of data comprises information related to historical transaction data corresponding to one or more of the plurality of users, determines to which of the plurality of users to make offers based at least in part on historical transaction data, and communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants.

摘要翻译： 一种方法至少部分地基于第一组数据，通过确定多个用户中的每一个与一个或多个商家之间的距离来向客户传送一个或多个优惠，其中第一组数据包括与 多个用户和多个位置，所述多个位置中的每一个对应于所述多个用户中的一个或多个。 该方法然后将每个用户和一个或多个商家之间的距离与一个或多个提供相关联，其中，所述提议旨在诱使一个或多个用户前往与一个或多个商家对应的一个或多个位置，收集 第二组数据，其中所述第二组数据包括与对应于所述多个用户中的一个或多个的历史交易数据相关的信息，至少部分地基于历史交易数据确定所述多个用户中的哪个用户提供报价 并且至少部分地基于每个用户和一个或多个商家之间的相关距离将一个或多个优惠传达给所确定的用户。

公开(公告)号：US09317860B2

公开(公告)日：2016-04-19

申请号：US13342059

申请日：2012-01-01

申请人： Matthew A. Calman ,  Erik Stephen Ross ,  Alfred Hamilton

发明人： Matthew A. Calman ,  Erik Stephen Ross ,  Alfred Hamilton

IPC分类号： G06Q30/06 ,  G06Q30/02

CPC分类号： G06Q30/0605 ,  G06Q30/02 ,  G06Q30/0613 ,  G06Q30/0623 ,  G06Q30/0635 ,  G06Q30/0641 ,  G06Q50/01 ,  G06T19/006 ,  G09G5/003 ,  G09G2370/022 ,  H04L65/403 ,  H04L65/60

摘要： Embodiments of the invention provide for using video analysis, such as augmented reality or the like to assist a group of users to utilize mobile devices for creating a collective network environment of users that identifies objects in which one or more users in a group of users may be interested, and notifies the one or more users of information associated with the object. A collective network comprises a group of users that each have a mobile device that contains or is otherwise operatively coupled to a data capture device. For example, the mobile device may be a mobile phone that is capable of taking video with a camera device. A user in the collective network may capture video on his mobile device, and an application can identify the object in the video and provide interested users in the collective network with information about the object.

摘要翻译： 本发明的实施例提供了使用诸如增强现实等的视频分析来帮助一组用户利用移动设备来创建用户的集体网络环境，所述用户识别一组用户中的一个或多个用户可能的对象 感兴趣，并通知一个或多个用户与该对象相关联的信息。 集体网络包括一组用户，每个用户具有包含或以其他方式操作地耦合到数据捕获设备的移动设备。 例如，移动设备可以是能够使用相机设备拍摄视频的移动电话。 集体网络中的用户可以在其移动设备上捕获视频，并且应用可以识别视频中的对象，并向集体网络中的感兴趣的用户提供关于对象的信息。