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公开(公告)号：US08145565B1
公开(公告)日：2012-03-27
申请号：US12252097
申请日：2008-10-15
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/025
摘要： Account shadowing is provided such that when a charge is made on a first credit card (e.g., a high interest rate credit card) of a user, a transfer of funds is made from a second credit card (e.g., a low interest rate credit card) of the user to pay the charge made to the first credit card. This may transfer the balance from a user's high interest rate credit card to a user's low interest rate credit card. In this manner, the user may receive the reward incentives of a high interest rate credit card while using a low interest rate credit card to satisfy balances due.
摘要翻译： 提供账户遮蔽，使得当在用户的第一信用卡（例如，高利率信用卡）上收取费用时，从第二信用卡（例如，低利率信用卡 ）用户支付第一张信用卡的费用。 这可能会将余额从用户的高利率信用卡转移到用户的低利率信用卡。 以这种方式，用户可以使用低利率信用卡来满足高利率信用卡的奖励激励以满足到期的余额。
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公开(公告)号：US08719838B1
公开(公告)日：2014-05-06
申请号：US12127913
申请日：2008-05-28
CPC分类号： H04L63/08 , G06F17/218 , G06F17/30684 , G06F21/31 , H04L63/1408
摘要： Interaction with a web site may be driven by a script. The script may be generated through automated analysis of a web site. A web site may be analyzed by evaluating labels associated with data entry fields, links, and/or other elements of the pages that make up the web site. Moreover, a web site may be analyzed by co-browsing the web site along with a human, and observing the actions that a human takes to operate the web site. The scripts that are generated may be used to perform a transaction at a web site on behalf of a principal, to gather information from a web site, or to perform any other type of action.
摘要翻译： 与网站的交互可能由脚本驱动。 脚本可以通过网站的自动分析生成。 可以通过评估与构成网站的页面的数据输入字段，链接和/或其他元素相关联的标签来分析网站。 此外，可以通过与人类共同浏览网站来分析网站，并观察人类操作网站所采取的行动。 生成的脚本可以用于代表主体在网站上执行交易，从网站收集信息或执行任何其他类型的操作。
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公开(公告)号：US08538872B1
公开(公告)日：2013-09-17
申请号：US13431603
申请日：2012-03-27
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/025
摘要： Account shadowing is provided such that when a charge is made on a first credit card (e.g., a high interest rate credit card) of a user, a transfer of funds is made from a second credit card (e.g., a low interest rate credit card) of the user to pay the charge made to the first credit card. This may transfer the balance from a user's high interest rate credit card to a user's low interest rate credit card. In this manner, the user may receive the reward incentives of a high interest rate credit card while using a low interest rate credit card to satisfy balances due.
摘要翻译： 提供帐户遮蔽，使得当在用户的第一信用卡（例如，高利率信用卡）上收取费用时，从第二信用卡（例如，低利率信用卡 ）用户支付第一张信用卡的费用。 这可能会将余额从用户的高利率信用卡转移到用户的低利率信用卡。 以这种方式，用户可以使用低利率信用卡来满足高利率信用卡的奖励激励以满足到期的余额。
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4.发明授权Systems and methods for price searching and intelligent shopping lists on a mobile device 有权移动设备上的价格搜索和智能购物清单的系统和方法公开(公告)号：US09129332B1
公开(公告)日：2015-09-08
申请号：US12042787
申请日：2008-03-05
CPC分类号： G06Q30/0639
摘要： Price searching and intelligent shopping lists on a mobile device is provided. A system for providing a shopping list comprises at least one subsystem that receives input data containing product identification information, at least one subsystem that determines location information of a product identified by the product identification information, and at least one subsystem that determines a proposed route from a particular location to a location of the product identified by the location information.
摘要翻译： 提供移动设备上的价格搜索和智能购物清单。 用于提供购物清单的系统包括至少一个子系统，其接收包含产品识别信息的输入数据，至少一个子系统，确定由产品标识信息识别的产品的位置信息;以及至少一个子系统， 通过位置信息标识的产品的位置的特定位置。
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公开(公告)号：US08977571B1
公开(公告)日：2015-03-10
申请号：US12545127
申请日：2009-08-21
申请人： Michael Patrick Bueche, Jr. , Bharat Prasad , Minya Liang , Reynaldo Medina , Charles Lee Oakes, III
发明人： Michael Patrick Bueche, Jr. , Bharat Prasad , Minya Liang , Reynaldo Medina , Charles Lee Oakes, III
IPC分类号： G06Q40/00
CPC分类号： G06Q20/042 , G06K9/186 , G06Q20/108 , G06Q20/3223 , G06Q40/02 , H04N7/183
摘要： An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.
摘要翻译： 在拍摄检查的图像之前，监视在相机视野中的支票的图像。 相机与移动设备相关联。 当视野中的支票的图像通过监视标准时，照相机可以拍摄图像并从移动设备提供给金融机构。 一旦确定检查图像通过监视标准，就可以自动执行图像捕获。 支票可能会根据图像存入用户的银行帐户。 可以使用将图像发送到金融机构的任何技术。 可以向相机的用户提供关于视野中的支票的图像的反馈。
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公开(公告)号：US08924729B1
公开(公告)日：2014-12-30
申请号：US11745996
申请日：2007-05-08
CPC分类号： H04L9/3247 , G06F21/32 , G06F21/645 , H04L9/3231 , H04L2209/56
摘要： A vendor system may allow a user to electronically sign documents. The vendor system may receive a package of biometric information from the user. In one embodiment, the vendor system may compare the received package of biometric information with a registered package of biometric information associated with the user. If the received package of biometric information matches the registered package of biometric information, the vendor system may sign a document with an electronic signature.
摘要翻译： 供应商系统可以允许用户以电子方式签署文件。 供应商系统可以从用户接收一组生物特征信息。 在一个实施例中，供应商系统可以将所接收的生物特征信息包与与用户相关联的生物特征信息的注册包进行比较。 如果接收到的生物特征信息包与生物特征信息的注册包匹配，供应商系统可以签署具有电子签名的文档。
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公开(公告)号：US09710615B1
公开(公告)日：2017-07-18
申请号：US11863060
申请日：2007-09-27
CPC分类号： G06F21/10
摘要： Mechanisms are disclosed herein for storing various records. Numerous keys and parties can access online repositories. These repositories contain a plurality of lockboxes, structured hierarchically and otherwise, providing public and private areas with varying levels of access. Some content of such lockboxes can be sharable. These lockboxes can be used not only to store diverse content, ranging from birth certificates to deeds and social security numbers, but they can also be accessed in a variety of ways. For example, keys to lockboxes can be made available by such events as the issuing of death certificates or birth certificates. Alternatively, keys can be issued according to various rules and heuristics stipulated by lockbox users. In either case, the plurality of lockboxes residing in repositories can be configured to provide centralized storage facilities that are secure and readily accessible from various computing devices.
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公开(公告)号：US09497795B1
公开(公告)日：2016-11-15
申请号：US12060416
申请日：2008-04-01
申请人： Bradly Jay Billman , Charles Lee Oakes, III , Reynaldo Medina, III , Michael Patrick Bueche, Jr.
发明人： Bradly Jay Billman , Charles Lee Oakes, III , Reynaldo Medina, III , Michael Patrick Bueche, Jr.
CPC分类号： G06Q50/16 , G06F17/30864 , G06Q30/0261 , G06Q50/20 , H04L67/02 , H04L67/18 , H04L67/306 , H04L69/26 , H04W4/02 , H04W48/02 , H04W88/02
摘要： Disclosed herein are a method, system, and computer-readable storage medium comprising instructions for notifying a user of available realty in proximity to the user's approximate current location. In an embodiment, a triggering location region is defined based on the user's approximate current location. The triggering location region includes a second location that is associated with another person's profile that correlates with the user's profile. An alert is automatically provided to the user if available realty is within the defined triggering location region. In another embodiment, if available realty within the triggering location region meets the user's preferred criteria, information about the available realty may be automatically provided to the user.
摘要翻译： 本文公开了一种方法，系统和计算机可读存储介质，其包括用于通知用户邻近用户近似当前位置的可用物品的指令。 在一个实施例中，基于用户的近似当前位置来定义触发位置区域。 触发位置区域包括与另一人的简档相关联的第二位置，其与用户的简档相关联。 如果可用的不动产在定义的触发位置区域内，则自动向用户提供警报。 在另一个实施例中，如果触发位置区域内的可用物体符合用户的优选标准，则可以自动向用户提供关于可用物品的信息。
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9.发明授权Systems and methods for price searching via a mobile device reading display screen graphics 有权通过移动设备查看显示屏幕图形的价格搜索的系统和方法公开(公告)号：US09264428B1
公开(公告)日：2016-02-16
申请号：US13246655
申请日：2011-09-27
CPC分类号： G06Q30/0629 , G06Q20/12 , G06Q20/3276 , G06Q30/0623 , G06Q30/0641 , G06Q40/12 , H04L63/0861 , H04L63/0869
摘要： Price searching via a mobile device reading display screen graphics is provided. A system for obtaining pricing information comprises at least one subsystem that electronically reads a price of a product using a mobile device scanning a display screen, at least one subsystem that searches for other available products and price data to compare to the electronically read price and product data, at least one subsystem that compares the price data of the other products to the electronically read price data, and at least one subsystem that presents purchase options based upon results of the comparison of the price and product data.
摘要翻译： 提供通过移动设备查看显示屏图形的价格搜索。 用于获得定价信息的系统包括至少一个子系统，其使用扫描显示屏幕的移动设备电子地读取产品的价格，至少一个子系统，其搜索其他可用产品和价格数据以与电子阅读价格和产品进行比较 数据，至少一个将其他产品的价格数据与电子阅读价格数据进行比较的子系统，以及至少一个基于价格和产品数据的比较结果呈现购买选项的子系统。
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公开(公告)号：US09053469B1
公开(公告)日：2015-06-09
申请号：US12500742
申请日：2009-07-10
IPC分类号： G06Q20/08
CPC分类号： G06Q20/08 , G06Q20/085 , G06Q40/08 , G07F13/025
摘要： Methods and systems for providing usage based insurance for one or more vehicles for an insured individual or party. In an example, fuel transaction data is received for a party, the fuel transaction data includes a fuel cost; insurance policy data is received for an insurance policy; a premium is determined for the insurance policy using a computing device and the premium is added to the fuel cost. In an example, a geographic location for a vehicle is determined and a premium is determined using at the least the geographic location. In an example, a number of miles driven in a time period is determined and a premium is determined using at the least the number of miles driven. In an example, a premium is determined for an insurance policy using at least a portion of the fuel transaction data. In an example, at least one vehicle related parameter is predicted from the fuel transaction data and a premium is determined using the vehicle related parameter.
摘要翻译： 为被保险人或一方提供一种或多种车辆使用保险的方法和系统。 在一个示例中，为一方接收燃料交易数据，燃料交易数据包括燃料成本; 收到保险单的保险单数据; 使用计算设备确定保险费的溢价，并将溢价加到燃料成本上。 在一个示例中，确定车辆的地理位置，并且使用至少该地理位置来确定溢价。 在一个示例中，确定在一段时间内驱动的数英里，并且至少使用驱动的里程数来确定溢价。 在一个例子中，使用燃料交易数据的至少一部分来确定保险单的溢价。 在一个示例中，根据燃料交易数据预测至少一个车辆相关参数，并且使用车辆相关参数确定溢价。
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