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公开(公告)号：US20170083890A1
公开(公告)日：2017-03-23
申请号：US15368538
申请日：2016-12-02
申请人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
发明人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
CPC分类号： G06Q20/204 , G06K19/06028 , G06Q20/0453 , G06Q20/20 , G06Q20/28 , G06Q20/322
摘要： The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
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公开(公告)号：US20150019326A1
公开(公告)日：2015-01-15
申请号：US14330116
申请日：2014-07-14
申请人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
发明人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
IPC分类号： G06Q30/02
摘要： In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. The system may further determine analysis results responsive to the received market analysis request based on at least the determined one or more online behavior characteristics and the accessed financial transactions of the customers. The system may further generate a report indicating at least the determined analysis results.
摘要翻译： 在一个实施例中，系统被配置为接收关于具有与金融服务提供商和商家相关联的伙伴卡帐户的客户的市场分析请求。 系统可以确定客户的一个或多个在线行为特征并且从金融服务提供商访问与客户的金融交易相关联的数据。 该系统可以至少基于所确定的一个或多个在线行为特征和所访问的客户的金融交易来进一步确定响应于所接收的市场分析请求的分析结果。 系统还可以生成指示至少所确定的分析结果的报告。
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公开(公告)号：US10096042B2
公开(公告)日：2018-10-09
申请号：US14288046
申请日：2014-05-27
IPC分类号： G06Q30/02
摘要： The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
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4.发明授权Systems and methods for providing manufacturer-based financial service accounts 有权提供基于制造商的金融服务账户的系统和方法公开(公告)号：US09542672B2
公开(公告)日：2017-01-10
申请号：US14936622
申请日：2015-11-09
申请人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
发明人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
CPC分类号： G06Q20/204 , G06K19/06028 , G06Q20/0453 , G06Q20/20 , G06Q20/28 , G06Q20/322
摘要： The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
摘要翻译： 所公开的实施例包括用于提供实时基于制造商的融资的移动客户端设备。 在一个实施例中，移动设备被配置为接收与在商家位置提供出售的制造商产品相关联的商品代码。 移动设备还可以向金融服务提供商系统提供产品代码，金融服务提供商系统被配置为创建与产品制造商相关联的基于制造商的金融服务账户。 此外，移动设备可以向金融服务提供商系统提供与所接收的帐户应用相关联的信息，其中金融服务提供商系统可以基于接收到的信息和产品代码来创建基于制造商的金融服务账户。 移动设备还可以接收使用基于制造商的金融服务帐户购买产品的购买代码，将其提供在商家POS位置处，并且接收产品购买确认。
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公开(公告)号：US20160063455A1
公开(公告)日：2016-03-03
申请号：US14936622
申请日：2015-11-09
申请人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
发明人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
CPC分类号： G06Q20/204 , G06K19/06028 , G06Q20/0453 , G06Q20/20 , G06Q20/28 , G06Q20/322
摘要： The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
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6.发明申请SYSTEMS AND METHODS FOR PROVIDING MANUFACTURER-BASED FINANCIAL SERVICE ACCOUNTS 有权用于提供基于制造商的财务服务账户的系统和方法公开(公告)号：US20150019355A1
公开(公告)日：2015-01-15
申请号：US14330506
申请日：2014-07-14
申请人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
发明人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
CPC分类号： G06Q20/204 , G06K19/06028 , G06Q20/0453 , G06Q20/20 , G06Q20/28 , G06Q20/322
摘要： The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
摘要翻译： 所公开的实施例包括用于提供实时基于制造商的融资的移动客户端设备。 在一个实施例中，移动设备被配置为接收与在商家位置提供出售的制造商产品相关联的商品代码。 移动设备还可以向金融服务提供商系统提供产品代码，金融服务提供商系统被配置为创建与产品制造商相关联的基于制造商的金融服务账户。 此外，移动设备可以向金融服务提供商系统提供与所接收的帐户应用相关联的信息，其中金融服务提供商系统可以基于接收到的信息和产品代码来创建基于制造商的金融服务账户。 移动设备还可以接收使用基于制造商的金融服务帐户购买产品的购买代码，将其提供在商家POS位置处，并且接收产品购买确认。
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公开(公告)号：US20140358660A1
公开(公告)日：2014-12-04
申请号：US14288046
申请日：2014-05-27
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0255 , G06Q30/0224
摘要： The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
摘要翻译： 所公开的实施例包括用于为链接的交易提供优惠的方法，系统和制品。 接收对应于使用金融服务帐户实际购买的第一产品的交易数据和识别第一购买商品的商品标识数据。 交易数据和产品标识数据相关联。 购买第一个产品的消费者至少基于交易数据确定。 确定根据产品识别数据向消费者出售的后续购买，并生成后续购买报价以购买后续产品。 向消费者提供后续购买报价，使消费者能够在电子商务购买交易中购买后续产品。
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8.发明申请METHOD AND APPARATUS FOR DISTRIBUTED COMMUNICATION USING SHORT RANGE AND WIDE RANGE COMMUNICATION LINKS 审中-公开使用短距离和宽范围通信链路分布式通信的方法和装置公开(公告)号：US20120057456A1
公开(公告)日：2012-03-08
申请号：US13264903
申请日：2010-04-16
申请人： Boris Bogatin , Drew Jacobs
发明人： Boris Bogatin , Drew Jacobs
摘要： A method and apparatus for a wireless device comprising means for receiving first packets of an IP flow utilizing a wireless link to a cellular base station or a Wi-Fi access point during a first time interval; means for receiving second packets of an IP flow utilizing a wireless link to another wireless device during the first time interval; and means for recovering the IP flow utilizing the first and second packets are disclosed.
摘要翻译： 一种用于无线设备的方法和装置，包括用于在第一时间间隔期间利用到蜂窝基站或Wi-Fi接入点的无线链路接收IP流的第一分组的装置; 用于在第一时间间隔期间利用到另一无线设备的无线链路接收IP流的第二分组的装置; 并且公开了利用第一和第二分组来恢复IP流的装置。
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9.发明授权Systems and methods for providing manufacturer-based financial service accounts 有权提供基于制造商的金融服务账户的系统和方法公开(公告)号：US09235835B2
公开(公告)日：2016-01-12
申请号：US14330506
申请日：2014-07-14
申请人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
发明人： Tobias D. Russell , Drew Jacobs , Luke A. Hammock
CPC分类号： G06Q20/204 , G06K19/06028 , G06Q20/0453 , G06Q20/20 , G06Q20/28 , G06Q20/322
摘要： The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.
摘要翻译： 所公开的实施例包括用于提供实时基于制造商的融资的移动客户端设备。 在一个实施例中，移动设备被配置为接收与在商家位置提供出售的制造商产品相关联的商品代码。 移动设备还可以向金融服务提供商系统提供产品代码，金融服务提供商系统被配置为创建与产品制造商相关联的基于制造商的金融服务账户。 此外，移动设备可以向金融服务提供商系统提供与所接收的帐户应用相关联的信息，其中金融服务提供商系统可以基于接收到的信息和产品代码来创建基于制造商的金融服务账户。 移动设备还可以接收使用基于制造商的金融服务帐户购买产品的购买代码，将其提供在商家POS位置处，并且接收产品购买确认。
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10.发明申请公开(公告)号：US20140358656A1
公开(公告)日：2014-12-04
申请号：US14288069
申请日：2014-05-27
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0215
摘要： The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for merchant accounts. The disclosed embodiments include, for example, a system for providing offers for accounts associated with a merchant. The system may be configured to receive a product identifier from a consumer, the product identifier identifying a product available from a merchant. The system may also determine whether the consumer has a current financial service account associated with the merchant. Further, the system may determine one or more incentives to offer the consumer, the one or more incentives being based at least in part on the product identifier. The system may also generate an invitation to apply for a new financial service account associated with the merchant when the consumer does not have a current financial service account associated with the merchant, communicate the invitation to apply to the consumer, and award the one or more incentives to the consumer based on a response to the invitation to apply.
摘要翻译： 所公开的实施例包括用于提供商家帐户的方法，系统和制品。 所公开的实施例包括例如用于提供与商家相关联的帐户的提供的系统。 系统可以被配置为从消费者接收产品标识符，产品标识符标识从商家可获得的产品。 系统还可以确定消费者是否具有与商家相关联的当前金融服务账户。 此外，系统可以确定提供消费者的一个或多个激励，一个或多个激励至少部分地基于产品标识符。 当消费者没有与商家相关联的当前金融服务帐户时，系统还可以生成申请与商家相关联的新的金融服务账户的邀请，传达邀请以应用于消费者，并且授予一个或多个 基于对邀请函的回应，对消费者的激励。
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