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    • 4. 发明授权
    • Providing information from use of readable indicia with mobile device
    • 使用可读标记提供信息与移动设备
    • US08939355B2
    • 2015-01-27
    • US13732378
    • 2013-01-01
    • Bank of America Corporation
    • Glenn Grossman
    • G06F17/00G06Q30/06
    • G06Q30/06
    • Embodiments of the invention are directed to systems, methods and computer program products for providing information from use of readable indicia. Embodiments may include receiving usage information corresponding to a plurality of readable indicia read at one or more points of transaction during one or more transactions; storing some or all the usage information; and providing access to the stored usage information. Embodiments may receive one or more e-receipts from the one or more points of transaction; store the one or more e-receipts in the memory; and associate each e-receipt with usage information corresponding to the same transaction. Some embodiments receive a request from an online banking application or a mobile banking application of a user for usage information; and initiate presentation of some or all the usage information in response to the request.
    • 本发明的实施例涉及用于从使用可读标记提供信息的系统,方法和计算机程序产品。 实施例可以包括在一个或多个事务期间在一个或多个交易点处接收对应于读取的多个可读标记的使用信息; 存储一些或全部使用信息; 并提供对存储的使用信息的访问。 实施例可以从一个或多个交易点接收一个或多个电子收据; 将一个或多个电子收据存储在存储器中; 并将每个电子收据与对应于相同交易的使用信息相关联。 一些实施例从用户的在线银行应用程序或移动银行应用程序接收使用信息的请求; 并响应于请求开始呈现一些或所有使用信息。
    • 6. 发明授权
    • Pre-set readable indicia for vendor use
    • 用于供应商使用的预设可读标记
    • US08925804B2
    • 2015-01-06
    • US13586231
    • 2012-08-15
    • David M. GriggAlicia C. JonesGlenn GrossmanMatthew A. Calman
    • David M. GriggAlicia C. JonesGlenn GrossmanMatthew A. Calman
    • G06K5/00
    • G06Q30/00G06Q20/3274G06Q20/385G06Q20/401
    • Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention reads the pre-set readable indicia from a mobile device of the user, where the pre-set readable indicia comprises payment information, stores the read pre-set readable indicia or payment information extracted from the pre-set readable indicia, and, after connecting to a network, reconciles the transaction based on the payment information extracted from the pre-set readable indicia. In some embodiments, the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment information from the pre-set readable indicia.
    • 本发明的实施例涉及用于处理与用户相关联的预设可读标记的系统,方法和计算机程序产品。 本发明从用户的移动设备读取预先设置的可读标记,其中预设可读标记包括支付信息,存储从预设可读标记中提取的读预读可读标记或支付信息, 在连接到网络之后,基于从预设可读标记中提取的支付信息来协调交易。 在一些实施例中,本发明从用户接收认证证书,并且使用来自预设可读标记的支付信息来认证用户来批准支付。