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    System and method for capturing token data with a portable computing device
    1.
    发明授权
    System and method for capturing token data with a portable computing device 有权
    用便携式计算设备捕获令牌数据的系统和方法

    公开(公告)号：US09349063B2

    公开(公告)日：2016-05-24

    申请号：US13048422

    申请日：2011-03-15

    申请人： Steven M. Smith ,  Robert L. Dessert

    发明人： Steven M. Smith ,  Robert L. Dessert

    IPC分类号： G06K9/00 ,  G06K9/20 ,  G06K9/22 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q20/10

    CPC分类号： G06K9/2063 ,  G06K9/228 ,  G06K2209/01 ,  G06Q20/108 ,  G06Q20/12 ,  G06Q20/322 ,  G06Q20/3274 ,  G06Q20/3276 ,  G06Q20/34 ,  G06Q20/363

    摘要： A system and method for collecting and managing information taken from tokens, like credit cards and gift cards, includes a portable computing device (PCD). The PCD may support a token recognizer that may comprise hardware and/or software that may reside in memory of the PCD. The token recognizer may work in combination with a camera. The token recognizer may comprise a broad recognizer module and an optical character recognition (“OCR”) module. The camera of the PCD may capture images of one or more physical tokens. These captured images of the physical tokens may be processed by the token recognizer so that digital images as well as data provided by the physical tokens may be maintained in memory of the PCD for later presentation to the user. These later presentations on the PCD may be used for account management and for conducting transactions, such as making payment at a point-of-sale (POS) terminal.

    摘要翻译： 用于收集和管理从令牌（例如信用卡和礼品卡）取得的信息的系统和方法包括便携式计算设备（PCD）。 PCD可以支持令牌识别器，其可以包括可以驻留在PCD的存储器中的硬件和/或软件。 令牌识别器可以与相机组合使用。 令牌识别器可以包括广泛识别器模块和光学字符识别（“OCR”）模块。 PCD的相机可以捕获一个或多个物理令牌的图像。 物理令牌的这些拍摄图像可以由令牌识别器处理，使得数字图像以及由物理令牌提供的数据可被维持在PCD的存储器中，以供稍后呈现给用户。 PCD上的这些后续演示可用于帐户管理和进行交易，例如在销售点（POS）终端进行支付。

    SYSTEM AND METHOD FOR CAPTURING TOKEN DATA WITH A PORTABLE COMPUTING DEVICE
    5.
    发明申请
    SYSTEM AND METHOD FOR CAPTURING TOKEN DATA WITH A PORTABLE COMPUTING DEVICE 有权
    使用便携式计算设备捕获数据的系统和方法

    公开(公告)号：US20120099780A1

    公开(公告)日：2012-04-26

    申请号：US13048422

    申请日：2011-03-15

    申请人： Steven M. SMITH ,  Robert L. Dessert

    发明人： Steven M. SMITH ,  Robert L. Dessert

    IPC分类号： G06K9/00

    CPC分类号： G06K9/2063 ,  G06K9/228 ,  G06K2209/01 ,  G06Q20/108 ,  G06Q20/12 ,  G06Q20/322 ,  G06Q20/3274 ,  G06Q20/3276 ,  G06Q20/34 ,  G06Q20/363

    摘要： A system and method for collecting and managing information taken from tokens, like credit cards and gift cards, includes a portable computing device (PCD). The PCD may support a token recognizer that may comprise hardware and/or software that may reside in memory of the PCD. The token recognizer may work in combination with a camera. The token recognizer may comprise a broad recognizer module and an optical character recognition (“OCR”) module. The camera of the PCD may capture images of one or more physical tokens. These captured images of the physical tokens may be processed by the token recognizer so that digital images as well as data provided by the physical tokens may be maintained in memory of the PCD for later presentation to the user. These later presentations on the PCD may be used for account management and for conducting transactions, such as making payment at a point-of-sale (POS) terminal.

    摘要翻译： 用于收集和管理从令牌（例如信用卡和礼品卡）取得的信息的系统和方法包括便携式计算设备（PCD）。 PCD可以支持令牌识别器，其可以包括可以驻留在PCD的存储器中的硬件和/或软件。 令牌识别器可以与相机组合使用。 令牌识别器可以包括广泛识别器模块和光学字符识别（“OCR”）模块。 PCD的相机可以捕获一个或多个物理令牌的图像。 物理令牌的这些拍摄图像可以由令牌识别器处理，使得数字图像以及由物理令牌提供的数据可被维持在PCD的存储器中，以供稍后呈现给用户。 PCD上的这些后续演示可用于帐户管理和进行交易，例如在销售点（POS）终端进行支付。

    System and method for providing a personalized shopping experience and personalized pricing of products and services with a portable computing device
    7.
    发明授权
    System and method for providing a personalized shopping experience and personalized pricing of products and services with a portable computing device 有权
    使用便携式计算设备提供个性化购物体验和产品和服务的个性定价的系统和方法

    公开(公告)号：US09027827B2

    公开(公告)日：2015-05-12

    申请号：US13365424

    申请日：2012-02-03

    申请人： Robert L. Dessert ,  Robert Canterbury ,  Scott Monahan

    发明人： Robert L. Dessert ,  Robert Canterbury ,  Scott Monahan

    IPC分类号： G06F17/00 ,  G06Q30/06 ,  G06Q30/02 ,  G06Q20/32 ,  G06Q20/20 ,  G06Q30/00

    CPC分类号： G06Q30/0601 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q30/01 ,  G06Q30/0207

    摘要： A system and method for providing a personalized shopping experience with a portable computing device (“PCD”) are described. The system and method may include checking-in PCD consumers upon entering an establishment of a merchant. The checking-in of the PCD consumer may include verifying credentials for gaining access to a central mobile payment controller and receiving a merchant identifier corresponding to a merchant from a computer communications network. Next, a scan of a machine-readable code associated with at least one of a good and a service may be received. Information associated with the machine-readable code may be retrieved from a database. Subsequently, a personalized price for the at least one good or service may be determined by applying one or more rules. The personalized price may be transmitted over a computer communications network to the portable computing device for display to the PCD consumer.

    摘要翻译： 描述了一种用于向便携式计算设备（“PCD”）提供个性化购物体验的系统和方法。 该系统和方法可以包括在进入商家的建立时检入PCD消费者。 PCD消费者的登记可以包括验证凭证以获得对中央移动支付控制器的访问，以及从计算机通信网络接收对应于商家的商家标识符。 接下来，可以接收与商品和服务中的至少一个相关联的机器可读代码的扫描。 可以从数据库检索与机器可读代码相关联的信息。 随后，可以通过应用一个或多个规则来确定至少一个商品或服务的个性化价格。 个性化价格可以通过计算机通信网络传输到便携式计算设备，以便显示给PCD消费者。

    SYSTEM AND METHOD FOR CREATING AND MANAGING A SHARED STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT DEVICE
    8.
    发明申请
    SYSTEM AND METHOD FOR CREATING AND MANAGING A SHARED STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT DEVICE 审中-公开
    用于创建和管理与客户设备相关的共享存储值帐户的系统和方法

    公开(公告)号：US20110218907A1

    公开(公告)日：2011-09-08

    申请号：US12841914

    申请日：2010-07-22

    申请人： Robert L. Dessert ,  Frank T. Young

    发明人： Robert L. Dessert ,  Frank T. Young

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/02 ,  G06Q20/10 ,  G06Q30/06

    摘要： A method for creating and managing a shared stored value account associated with a client device is disclosed. The method may include assigning a first unique identifier to an owner of a stored value account and assigning a primary account number to the stored value account. The method may further include receiving input to create a shared stored value account based on the stored value account as well as receiving input corresponding to an intended recipient of the shared stored value account. The method may also include creating a second unique identifier that is associated with the intended recipient of the shared stored value account and that is associated with the primary account number assigned to the stored value account. The method may also include displaying options for restrictions as well as creating a second primary account number that is associated with the second unique identifier for tracking the restrictions.

    摘要翻译： 公开了一种用于创建和管理与客户端设备相关联的共享存储值帐户的方法。 该方法可以包括将第一唯一标识符分配给存储值帐户的所有者并且将主帐号分配给存储值帐户。 该方法还可以包括接收输入以基于所存储的价值账户创建共享的存储值账户，以及接收对应于共享存储值账户的预期收件人的输入。 该方法还可以包括创建与共享存储值帐户的预期接收者相关联并且与分配给存储值帐户的主帐户号码相关联的第二唯一标识符。 该方法还可以包括显示用于限制的选项以及创建与用于跟踪限制的第二唯一标识符相关联的第二主帐号。

    System and Method For Providing A Personalized Shopping Experience and Personalized Pricing of Products and Services With A Portable Computing Device
    9.
    发明申请
    System and Method For Providing A Personalized Shopping Experience and Personalized Pricing of Products and Services With A Portable Computing Device 有权
    使用便携式计算设备提供个性化购物体验和产品和服务的个性化定价的系统和方法

    公开(公告)号：US20130181045A1

    公开(公告)日：2013-07-18

    申请号：US13365424

    申请日：2012-02-03

    申请人： Robert L. Dessert ,  Robert Canterbury ,  Scott Monahan

    发明人： Robert L. Dessert ,  Robert Canterbury ,  Scott Monahan

    IPC分类号： G06Q30/06

    CPC分类号： G06Q30/0601 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q30/01 ,  G06Q30/0207

    摘要： A system and method for providing a personalized shopping experience with a portable computing device (“PCD”) are described. The system and method may include checking-in PCD consumers upon entering an establishment of a merchant. The checking-in of the PCD consumer may include verifying credentials for gaining access to a central mobile payment controller and receiving a merchant identifier corresponding to a merchant from a computer communications network. Next, a scan of a machine-readable code associated with at least one of a good and a service may be received. Information associated with the machine-readable code may be retrieved from a database. Subsequently, a personalized price for the at least one good or service may be determined by applying one or more rules. The personalized price may be transmitted over a computer communications network to the portable computing device for display to the PCD consumer.

    摘要翻译： 描述了一种用于向便携式计算设备（“PCD”）提供个性化购物体验的系统和方法。 该系统和方法可以包括在进入商家的建立时检入PCD消费者。 PCD消费者的登记可以包括验证凭证以获得对中央移动支付控制器的访问，并从计算机通信网络接收对应于商家的商家标识符。 接下来，可以接收与商品和服务中的至少一个相关联的机器可读代码的扫描。 可以从数据库检索与机器可读代码相关联的信息。 随后，可以通过应用一个或多个规则来确定至少一个商品或服务的个性化价格。 个性化价格可以通过计算机通信网络传输到便携式计算设备，以便显示给PCD消费者。

    SYSTEM AND METHOD FOR CREATING AND MANAGING A STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT UNIQUE IDENTIFIER
    10.
    发明申请
    SYSTEM AND METHOD FOR CREATING AND MANAGING A STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT UNIQUE IDENTIFIER 审中-公开
    用于创建和管理与客户端标识符相关的存储值帐户的系统和方法

    公开(公告)号：US20110166992A1

    公开(公告)日：2011-07-07

    申请号：US12851724

    申请日：2010-08-06

    申请人： Robert L. Dessert ,  Frank T. Young ,  Ben D. Ackerman ,  Gwenael B. Delaine ,  Lindsey K. Dorman ,  Eric R. Kraar

    发明人： Robert L. Dessert ,  Frank T. Young ,  Ben D. Ackerman ,  Gwenael B. Delaine ,  Lindsey K. Dorman ,  Eric R. Kraar

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/32 ,  G06Q20/0655 ,  G06Q20/10 ,  G06Q20/227 ,  G06Q20/28 ,  G06Q20/322 ,  G06Q20/351 ,  G06Q20/3572

    摘要： A method for creating and managing a stored value account associated with a client device is disclosed and may include receiving one of a merchant identifier and an unbranded place holder to associate with the stored value account, receiving an amount of value to assign to the stored value account, and creating a virtual token for the stored value account that is associated with the client device. The method may further include creating a unique identifier associated with a client device, if a stored value account is associated with a merchant identifier, then creating an account number, and if a stored value account is associated with a merchant identifier, then creating an association between the account number and the unique identifier and between the account identifier and the merchant identifier in a database.

    摘要翻译： 公开了一种用于创建和管理与客户端设备相关联的存储值帐户的方法，并且可以包括接收商户标识符和未标记占位符之一以与存储的价值帐户相关联，接收一定量的值以分配给存储的值 帐户，并为与客户端设备相关联的存储值帐户创建虚拟令牌。 该方法还可以包括创建与客户端设备相关联的唯一标识符，如果存储的值帐户与商家标识符相关联，则创建帐号，并且如果存储的价值帐户与商家标识符相关联，则创建关联 帐号与唯一标识符之间以及帐号与数据库中的商家标识之间。