公开(公告)号：US20100222038A1

公开(公告)日：2010-09-02

申请号：US12396256

申请日：2009-03-02

Applicant: Bruce Dragt

Inventor： Bruce Dragt

IPC: H04M3/42 ,  H04M1/00 ,  H04W4/00

CPC classification number: H04M15/745 ,  G06Q30/02 ,  H04M15/00 ,  H04M15/58 ,  H04M15/68 ,  H04M2215/0108 ,  H04M2215/0188 ,  H04M2215/0196 ,  H04W4/24

Abstract: Systems, methods, and devices for communicating supplemental information associated with a product or service to mobile devices. One device may be a mobile device that includes a memory, a microphone, and a processor in communication with the memory and the microphone, where the processor is configured to execute computer executable instructions to receive a tone via the microphone, where the tone comprises supplemental information. The processor is further configured to execute computer executable instructions to extract the supplemental information from the tone, and store the supplemental information in the memory of the mobile device. The device may further include the ability to initiate a purchase, using the mobile device, of a product or service associated with one or more tones received by the mobile device.

Abstract translation: 用于将与产品或服务相关联的补充信息传送到移动设备的系统，方法和设备。 一个设备可以是包括与存储器和麦克风通信的存储器，麦克风和处理器的移动设备，其中处理器被配置为执行计算机可执行指令以经由麦克风接收音调，其中音调包括补充 信息。 处理器还被配置为执行计算机可执行指令以从音调提取补充信息，并将补充信息存储在移动设备的存储器中。 该设备还可以包括使用移动设备发起与由移动设备接收的一个或多个音调相关联的产品或服务的购买的能力。

公开(公告)号：US07699221B2

公开(公告)日：2010-04-20

申请号：US12392651

申请日：2009-02-25

Applicant: Bruce Dragt ,  Daniel Ahles

Inventor： Bruce Dragt ,  Daniel Ahles

IPC: G06K15/00

CPC classification number: G06Q20/40 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/401 ,  G06Q40/025

Abstract: Systems and methods for performing a simplified risk assessment are provided. A historical transaction value for past transactions associated with related promissory payments is maintained. A request is received from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment. The historical transaction value associated with the related promissory payments is accessed and determination, based on the historical transaction value, of whether to authorize the financial transaction based on a risk score or whether to authorize the financial transaction based on data stored in a negative database is made.

Abstract translation: 提供了执行简化风险评估的系统和方法。 维持与相关承付款有关的以往交易的历史交易价值。 收到来自商家的请求，以确定与提供的承付款相关联的金融交易的授权。 访问与相关承付款相关的历史交易价值，根据历史交易价值确定是否根据风险分数授权金融交易，还是根据存储在负数据库中的数据授权金融交易， 制作。

公开(公告)号：US07513418B2

公开(公告)日：2009-04-07

申请号：US11313601

申请日：2005-12-20

Applicant: Bruce Dragt ,  Daniel Ahles

Inventor： Bruce Dragt ,  Daniel Ahles

IPC: G06Q40/00

CPC classification number: G06Q20/40 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/401 ,  G06Q40/025

Abstract: Systems and methods are provided for a simplified risk assessment for a promissory transaction when sufficient historical transaction information exists for the check writer. In an embodiment, a computerized method for determining authorization of a financial transaction comprises maintaining a historical transaction value for past transactions associated with related promissory payments, receiving a request from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment, the proffered promissory payment having at least one transaction identifier, accessing the historical transaction value associated with the related promissory payments, and determining based on the historical transaction value whether to authorize the financial transaction based a risk score or whether to authorize the financial transaction based on data stored in a negative database.

Abstract translation: 提供了系统和方法，用于简单的风险评估，对于支票作家有足够的历史交易信息时，承诺交易。 在一个实施例中，用于确定金融交易授权的计算机化方法包括维持与相关期货支付相关联的过去交易的历史交易值，接收来自商家的请求以确定与提供的承付款相关联的金融交易的授权， 具有至少一个交易标识符的提供的承付款，访问与相关承付款相关联的历史交易价值，以及根据历史交易价值确定是否基于风险评分授权金融交易，还是基于数据授权金融交易 存储在负数据库中。

公开(公告)号：US07978901B1

公开(公告)日：2011-07-12

申请号：US11957900

申请日：2007-12-17

Applicant: Tamila Barron ,  Bruce Dragt ,  Daniel Ahles

Inventor： Tamila Barron ,  Bruce Dragt ,  Daniel Ahles

IPC: G06K9/00 ,  G06Q20/00

CPC classification number: G06Q20/042 ,  G06K9/186 ,  G06Q20/04 ,  G06Q20/401 ,  G06Q20/403

Abstract: According to one embodiment of the invention, a system can be provided to detect fraudulent activity occurring during check processing. Such fraudulent activity can be detected for example by monitoring the electronic check imaging process and performing checks on the data to determine anomalous occurrences that are indicative of fraudulent transactions.

Abstract translation: 根据本发明的一个实施例，可以提供一种系统来检测在检查处理期间发生的欺诈活动。 可以例如通过监视电子检查成像处理并对数据进行检查以确定指示欺诈性交易的异常事件来检测这种欺诈活动。

公开(公告)号：US20100223120A1

公开(公告)日：2010-09-02

申请号：US12396241

申请日：2009-03-02

Applicant: Bruce Dragt

Inventor： Bruce Dragt

IPC: G06Q30/00 ,  H04B1/38

CPC classification number: G06Q30/02 ,  G06Q30/0226 ,  G06Q30/0269

Abstract: Systems, methods, and devices for administering consumer reward programs by providing reward identifier and/or reward content to mobile devices, such as cell phones, via information carrying tones to be used in additional rewards processing. One method may include receiving, by a microphone of a mobile device, a tone, where the tone includes a reward information such as a reward identifier or reward content. The method further includes extracting, by a mobile device processor, the reward identifier or reward content from the tone, and storing, by the mobile device processor, the reward identifier or reward content in a memory of the mobile device. In example embodiments of the invention, the information carrying tone may be transmitted such that the tone is substantially inaudible to the vast majority of humans.

Abstract translation: 通过向附加奖励处理中使用的音调信息提供奖励标识符和/或向移动设备（如手机）提供奖励内容和/或奖励内容来管理消费者奖励计划的系统，方法和设备。 一种方法可以包括通过移动设备的麦克风接收音调，其中音调包括奖励信息，例如奖励标识符或奖励内容。 该方法还包括由移动设备处理器从音调提取奖励标识符或奖励内容，并且由移动设备处理器将奖励标识符或奖励内容存储在移动设备的存储器中。 在本发明的示例性实施例中，信息传送音调可以被传送，使得音调基本上对绝大多数人来说是不可听见的。

公开(公告)号：US20100222088A1

公开(公告)日：2010-09-02

申请号：US12396268

申请日：2009-03-02

Applicant: Bruce Dragt

Inventor： Bruce Dragt

IPC: H04W4/20

CPC classification number: H04M1/72522 ,  H04M1/2155 ,  H04M1/7253

Abstract: Systems, methods, and apparatus for facilitating the receipt of information by a mobile device are provided by certain embodiments of the invention. A tone may be received by a mobile device from a tone transmission device The tone may include at least one location identifier for information associated with the tone. The at least one location identifier may be extracted from the tone by the mobile device, and a request for additional information associated with the tone may be generated utilizing the at least one location identifier. The generated request may be communicated from the mobile device to an information source, and at least a portion of the information associated with the tone may be received from the information source in response to the request.

Abstract translation: 通过本发明的某些实施例提供了便于移动设备接收信息的系统，方法和装置。 音调可以由移动设备从音调传输设备接收。音调可以包括与音调相关联的信息的至少一个位置标识符。 可以由移动设备从音调中提取至少一个位置标识符，并且可以利用至少一个位置标识符来产生与该音调相关联的附加信息的请求。 生成的请求可以从移动设备传送到信息源，并且可以响应于该请求从信息源接收与该音调相关联的信息的至少一部分。

公开(公告)号：US20100222072A1

公开(公告)日：2010-09-02

申请号：US12396271

申请日：2009-03-02

Applicant: Bruce Dragt

Inventor： Bruce Dragt

IPC: H04W4/02

CPC classification number: H04W4/12 ,  H04L67/18

Abstract: Systems, methods, and apparatus for communicating information associated with tones to a mobile device are provided by certain embodiments of the invention. A request for information associated with a tone that was received by a mobile device may be received at an information source from the mobile device. The request may include at least one location identifier extracted from the tone by the mobile device. The at least one location identifier may be utilized to obtain the requested information, and the requested information associated with the tone may be communicated from the information source to the mobile device.

Abstract translation: 通过本发明的某些实施例提供用于将与音调相关联的信息传送到移动设备的系统，方法和装置。 可以在来自移动设备的信息源处接收与由移动设备接收的音调相关联的信息的请求。 请求可以包括由移动设备从音调中提取的至少一个位置标识符。 可以利用至少一个位置标识符来获得所请求的信息，并且可以从信息源向移动设备传送与该音调相关联的所请求的信息。

公开(公告)号：US20100222037A1

公开(公告)日：2010-09-02

申请号：US12396242

申请日：2009-03-02

Applicant: Bruce Dragt

Inventor： Bruce Dragt

IPC: H04M3/42

CPC classification number: G06Q30/02

Abstract: Systems, methods, and apparatus providing program information to a mobile device are provided by certain embodiments of the invention. According to one embodiment, program information for a program may be associated with an information carrying tone that is transmitted to a mobile device associated with an operator by a tone transmission device. An indication received responsive to the mobile device receiving the information carrying tone can be stored, and at least one entry associating the program and the operator can be stored responsive to receiving the indication. Also according to various aspects, following receipt of the indication, program information can be communicated to the operator, such as terms and conditions or enrollment information, and it may be determined whether the operator desires to enroll in the respective program or accepts terms and conditions.

Abstract translation: 通过本发明的某些实施例提供向移动设备提供节目信息的系统，方法和装置。 根据一个实施例，用于节目的节目信息可以与通过音调发送设备发送到与运营商相关联的移动设备的信息承载音调相关联。 可以存储响应于接收信息携带音的移动设备接收的指示，并且可以响应于接收到指示而存储与程序和操作者相关联的至少一个条目。 此外，根据各方面，在接收到指示之后，节目信息可以传达给运营商，例如条款和条件或注册信息，并且可以确定运营商是否希望注册相应的节目或接受条款和条件 。

公开(公告)号：US08577345B2

公开(公告)日：2013-11-05

申请号：US12396258

申请日：2009-03-02

Applicant: Bruce Dragt

Inventor： Bruce Dragt

IPC: H04M3/42

CPC classification number: G06Q30/02

Abstract: Systems, methods, and apparatus providing promotion information to a mobile device are provided by certain embodiments of the invention. According to one embodiment, promotion information for a program may be associated with an information carrying tone that is transmitted to a mobile device associated with an operator by a tone transmission device. An indication received responsive to the mobile device receiving the information carrying tone can be stored, and at least one entry associating the promotion and the operator can be stored responsive to receiving the indication. Also according to various aspects, following receipt of the indication, it may be determined whether the promotion is validated and/or can be activated for the operator, and promotional information can be communicated to the operator, such as a activation confirmation or a redeemable promotion.

Abstract translation: 通过本发明的某些实施例提供了向移动设备提供促销信息的系统，方法和装置。 根据一个实施例，节目的促销信息可以与由音调传输设备发送到与运营商相关联的移动设备的信息承载音调相关联。 可以存储响应于接收信息携带音的移动设备接收的指示，并且可以响应于接收到指示而存储与促销和操作者相关联的至少一个条目。 此外，根据各方面，在接收到指示之后，可以确定促销是否被验证和/或可以为运营商激活，并且促销信息可以被传达给运营商，诸如激活确认或可兑换促销 。

公开(公告)号：US20100222041A1

公开(公告)日：2010-09-02

申请号：US12396258

申请日：2009-03-02

Applicant: Bruce Dragt

Inventor： Bruce Dragt

IPC: H04M3/42

CPC classification number: G06Q30/02

Abstract: Systems, methods, and apparatus providing promotion information to a mobile device are provided by certain embodiments of the invention. According to one embodiment, promotion information for a program may be associated with an information carrying tone that is transmitted to a mobile device associated with an operator by a tone transmission device. An indication received responsive to the mobile device receiving the information carrying tone can be stored, and at least one entry associating the promotion and the operator can be stored responsive to receiving the indication. Also according to various aspects, following receipt of the indication, it may be determined whether the promotion is validated and/or can be activated for the operator, and promotional information can be communicated to the operator, such as a activation confirmation or a redeemable promotion.

Abstract translation: 通过本发明的某些实施例提供了向移动设备提供促销信息的系统，方法和装置。 根据一个实施例，节目的促销信息可以与由音调传输设备发送到与运营商相关联的移动设备的信息承载音调相关联。 可以存储响应于接收信息携带音的移动设备接收的指示，并且可以响应于接收到指示而存储与促销和操作者相关联的至少一个条目。 此外，根据各方面，在接收到指示之后，可以确定促销是否被验证和/或可以为运营商激活，并且促销信息可以被传达给运营商，诸如激活确认或可兑换促销 。