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公开(公告)号:US20120066077A1
公开(公告)日:2012-03-15
申请号:US13033492
申请日:2011-02-23
申请人: Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
发明人: Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
CPC分类号: G06Q20/407 , G06Q20/20 , G06Q20/40 , G06Q20/425 , G06Q40/02
摘要: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting the holder to consent to the overage via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
摘要翻译: 一般来说,本发明的实施例涉及通过移动设备提供超额服务的方法和装置。 例如,在一些实施例中,提供了一种方法,其包括:(a)接收与交易相关联的交易信息,其中交易涉及账户,交易机器和账户持有人; (b)至少部分地基于交易信息来确定该账户将因交易而导致超额收益; (c)提示持有人同意通过移动设备进行超量服务,持有人与移动设备相关联; (d)收到持有人的同意超额; (e)至少部分地授权交易获得持有人的同意。
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公开(公告)号:US20120066127A1
公开(公告)日:2012-03-15
申请号:US13033510
申请日:2011-02-23
申请人: Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
发明人: Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
IPC分类号: G06Q40/00
CPC分类号: G06Q20/40 , G06Q20/227 , G06Q20/3676 , G06Q20/42
摘要: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service subject to one or more predetermined conditions. For example, in some embodiments, a method is provided that includes: (a) receiving, from a holder of an account, consent to a future overage, where the future overage is a result of a future overage transaction involving the account, and where the consent is valid only if a predetermined condition is met; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction was initiated after the receiving the consent; (c) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (d) determining that the predetermined condition is met and/or that the holder's consent is valid for the transaction; and (e) authorizing the transaction based at least partially on receiving the consent, determining that the holder's consent is valid for the transaction, and/or determining that the predetermined condition is met.
摘要翻译: 一般来说,本发明的实施例涉及用于提供超过服务的方法和装置,其受到一个或多个预定条件的限制。 例如,在一些实施例中,提供了一种方法,其包括:(a)从帐户的持有者接收未来超额的同意,未来的超额是由于涉及账户的未来超额交易的结果,以及 只有满足预定条件,同意才有效; (b)接收与交易相关的交易信息,交易涉及账户,以及在收到同意后开始的交易; (c)至少部分地基于交易信息来确定该账户将因交易而导致过高现象; (d)确定满足预定条件和/或持有人的同意对交易有效; 和(e)至少部分地授权交易基于收到同意,确定持有者的同意对于交易是有效的和/或确定满足预定条件。
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公开(公告)号:US20120066126A1
公开(公告)日:2012-03-15
申请号:US13033501
申请日:2011-02-23
申请人: Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
发明人: Tamara S. Kingston , John Franklin Tuders , Ross Matthew Feldman , Marc Lance Warshawsky , Erik Stephen Ross , Elbert Lee Whitler , Mark D. Zanzot , Ketil Bjugan , Scott Mastbrook , William Sydney Ivey , Mark Allan Nelson , Brenda Lisbeth Smyth , Doris Maria Garrett , Jonathan H. Tucker , Catherine Stokes Pullen , Paul Ronald DeKoster
IPC分类号: G06Q40/00
CPC分类号: G06Q20/40 , G06Q20/227 , G06Q20/3676 , G06Q20/401 , G06Q20/42
摘要: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the overage; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.
摘要翻译: 一般来说,本发明的实施例涉及通过交易机提供超额服务的方法和装置。 例如,在一些实施例中,提供了一种方法,其包括:(a)接收与交易相关联的交易信息,其中交易涉及账户,交易机器和账户持有人; (b)至少部分地基于交易信息来确定该账户将因交易而导致超额收益; (c)通过交易机器提示持有人同意超额; (d)收到持有人的同意超额; (e)至少部分地授权交易获得持有人的同意。
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