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1. 发明授权

US09760895B2 Systems and methods for delivering tailored content based upon a consumer profile 有权
公开(公告)号：US09760895B2
公开(公告)日：2017-09-12
申请号：US13488285
申请日：2012-06-04
申请人： Robert E. Morgan , Hitesh K. Seth
发明人： Robert E. Morgan , Hitesh K. Seth
IPC分类号： G06Q30/00 , G06Q30/02
CPC分类号： G06Q30/02
摘要： The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.

2. 发明授权

US09514468B2 Systems and methods for delivering tailored content based upon a consumer profile 有权
公开(公告)号：US09514468B2
公开(公告)日：2016-12-06
申请号：US13489274
申请日：2012-06-05
申请人： Robert E. Morgan , Hitesh K. Seth
发明人： Robert E. Morgan , Hitesh K. Seth
IPC分类号： G06Q30/00 , G06Q30/02
CPC分类号： G06Q30/02
摘要： The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.

3. 发明申请

US20130326009A1 Systems and Methods for Delivering Tailored Content Based Upon a Consumer Profile 有权
公开(公告)号：US20130326009A1
公开(公告)日：2013-12-05
申请号：US13489320
申请日：2012-06-05
申请人： Robert E. Morgan , Hitesh K. Seth
发明人： Robert E. Morgan , Hitesh K. Seth
IPC分类号： G06F15/16
CPC分类号： G06Q30/02
摘要： The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.

4. 发明申请

US20120203646A1 SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTIONS 审中-公开
公开(公告)号：US20120203646A1
公开(公告)日：2012-08-09
申请号：US13024779
申请日：2011-02-10
申请人： Robert E. Morgan , Hitesh Seth
发明人： Robert E. Morgan , Hitesh Seth
IPC分类号： G06Q20/00
CPC分类号： G06Q20/12 , G06Q20/027 , G06Q20/0453 , G06Q20/322 , G06Q20/3223 , G06Q20/3276 , G06Q20/401 , G06Q20/4012 , G06Q20/4014 , G06Q30/0207 , G06Q30/0226 , G06Q30/0241 , G06Q30/0633 , G06Q50/01 , G06Q2220/00 , H04L61/1582 , H04L2463/082 , H04W12/06
摘要： A system for secure transactions receives an authorization request from a mobile device, the mobile device having received the authorization request by scanning a QR code and/or other encoded data. The system processes the authorization request using one or more transaction accounts that are paired to the mobile device, and transmits a response indicating approval or denial of the authorization request.

5. 发明授权

US08195565B2 Systems and methods for point of interaction based policy routing of transactions 有权
标题翻译：基于交互点交互的策略路由的系统和方法
公开(公告)号：US08195565B2
公开(公告)日：2012-06-05
申请号：US12479738
申请日：2009-06-05
申请人： Fred Bishop , Robert E. Morgan , Hitesh Seth
发明人： Fred Bishop , Robert E. Morgan , Hitesh Seth
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/40 , G06Q20/403 , G06Q20/405 , G06Q30/02 , G06Q30/0238 , G06Q40/00 , G06Q40/04
摘要： Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.
摘要翻译：公开了使用支付系统目录促进商业交易。支付目录和/或无线销售点（POS）设备可以被配置为使用预定规则，多个数据项和/或条件来定位支付系统，并且将支付授权请求从远程位置发送到至少一个支付系统，直接或通过支付系统目录和/或SSL网关。

6. 发明授权

US08190514B2 Systems and methods for transaction processing based upon an overdraft scenario 有权
标题翻译：基于透支情景的交易处理系统和方法
公开(公告)号：US08190514B2
公开(公告)日：2012-05-29
申请号：US12479650
申请日：2009-06-05
申请人： Fred Bishop , Robert E. Morgan , Hitesh Seth
发明人： Fred Bishop , Robert E. Morgan , Hitesh Seth
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/20 , G06Q20/202 , G06Q20/403 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.
摘要翻译：公开了使用支付系统目录促进商业交易。支付目录和/或无线销售点（POS）设备可以被配置为使用预定规则，多个数据项和/或条件来定位支付系统，并且将支付授权请求从远程位置发送到至少一个支付系统，直接或通过支付系统目录和/或SSL网关。

7. 发明申请

US20110180598A1 SYSTEMS, METHODS, AND COMPUTER PRODUCTS FOR PROCESSING PAYMENTS USING A PROXY CARD 有权
标题翻译：使用代理卡处理付款的系统，方法和计算机产品
公开(公告)号：US20110180598A1
公开(公告)日：2011-07-28
申请号：US12692144
申请日：2010-01-22
申请人： Robert E. Morgan , Hitesh Seth
发明人： Robert E. Morgan , Hitesh Seth
IPC分类号： G06K5/00 , G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/409 , G06Q20/02 , G06Q20/04 , G06Q20/102 , G06Q20/20 , G06Q20/32 , G06Q20/3255 , G06Q20/351 , G06Q20/3572 , G06Q20/385 , G06Q20/405 , G06Q20/425 , G07F7/10
摘要： Systems, methods and computer program products for processing payments for a proxy card are provided. Embodiments of the system include a processor, and a memory in communication with the processor. The memory may be configured to store processing instructions for directing the processor to receive a request for authorization of a payment. In various embodiments, the request is triggered at a merchant server, by the use of a proxy card of the customer. The processor attempts to identify at least one desired payment mode for making the payment, from among payment mode(s) associated with the proxy card. The processor first selects the payment modes based at least in part on one or more selection criteria, such as predefined customer goals, and then the processor performs an authorization check to identify the desired payment modes. Subsequently, the processor authorizes the payment if at least one desired payment mode is identified.
摘要翻译：提供了用于处理代理卡付款的系统，方法和计算机程序产品。该系统的实施例包括处理器和与处理器通信的存储器。存储器可以被配置为存储用于指示处理器接收对支付授权的请求的处理指令。在各种实施例中，通过使用客户的代理卡在商家服务器处触发该请求。处理器尝试从与代理卡相关联的支付模式中识别用于进行支付的至少一个所需支付模式。处理器首先至少部分地基于一个或多个选择标准（例如预定义的客户目标）选择支付模式，然后处理器执行授权检查以识别期望的支付模式。随后，如果识别出至少一个所需的支付模式，则处理器授权支付。

8. 发明申请

US20090299841A1 SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS USING MULTIPLE BUDGETS 有权
标题翻译：使用多个预算来处理交易的系统和方法
公开(公告)号：US20090299841A1
公开(公告)日：2009-12-03
申请号：US12479687
申请日：2009-06-05
申请人： Fred Bishop , Robert E. Morgan , Hitesh Seth
发明人： Fred Bishop , Robert E. Morgan , Hitesh Seth
IPC分类号： G06Q20/00 , G06Q30/00 , G06F17/30
CPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/20 , G06Q20/202 , G06Q20/403 , G06Q20/405 , G06Q30/0219 , G06Q30/0235 , G06Q30/0238 , G06Q30/0601 , G06Q40/00
摘要： Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.
摘要翻译：公开了使用支付系统目录促进商业交易。支付目录和/或无线销售点（POS）设备可以被配置为使用预定规则，多个数据项和/或条件来定位支付系统，并且将支付授权请求从远程位置发送到至少一个支付系统，直接或通过支付系统目录和/或SSL网关。

9. 发明申请

US20090287565A1 SYSTEMS AND METHODS FOR POINT OF INTERACTION BASED POLICY ROUTING OF TRANSACTIONS 有权
标题翻译：基于交互的交易策略路线的系统和方法
公开(公告)号：US20090287565A1
公开(公告)日：2009-11-19
申请号：US12479738
申请日：2009-06-05
申请人： Fred Bishop , Robert E. Morgan , Hitesh Seth
发明人： Fred Bishop , Robert E. Morgan , Hitesh Seth
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00 , G06F17/30
CPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/40 , G06Q20/403 , G06Q20/405 , G06Q30/02 , G06Q30/0238 , G06Q40/00 , G06Q40/04
摘要： Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.
摘要翻译：公开了使用支付系统目录促进商业交易。支付目录和/或无线销售点（POS）设备可以被配置为使用预定规则，多个数据项和/或条件来定位支付系统，并且将支付授权请求从远程位置发送到至少一个支付系统，直接或通过支付系统目录和/或SSL网关。

10. 发明申请

US20090287564A1 SYSTEMS AND METHODS FOR MAXIMIZING A REWARDS ACCUMULATION STRATEGY DURING TRANSACTION PROCESSING 有权
标题翻译：在交易处理过程中最大化收益累积策略的系统和方法
公开(公告)号：US20090287564A1
公开(公告)日：2009-11-19
申请号：US12479719
申请日：2009-06-05
申请人： Fred Bishop , Robert E. Morgan , Hitesh Seth
发明人： Fred Bishop , Robert E. Morgan , Hitesh Seth
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/40 , G06Q20/403 , G06Q20/405 , G06Q30/02 , G06Q30/0238 , G06Q40/00 , G06Q40/025
摘要： Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.
摘要翻译：公开了使用支付系统目录促进商业交易。支付目录和/或无线销售点（POS）设备可以被配置为使用预定规则，多个数据项和/或条件来定位支付系统，并且将支付授权请求从远程位置发送到至少一个支付系统，直接或通过支付系统目录和/或SSL网关。

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