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91. 发明申请

US20110184845A1 METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM 审中-公开
标题翻译：实现和管理计算机系统中分布式安全的企业标识管理的方法和系统
公开(公告)号：US20110184845A1
公开(公告)日：2011-07-28
申请号：US13080481
申请日：2011-04-05
申请人： Fred Bishop
发明人： Fred Bishop
IPC分类号： G06Q40/00
CPC分类号： G06F21/34 , G06Q40/00 , Y10S707/99931
摘要： A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts.
摘要翻译：用于促进用户身份管理的方法和系统包括所有权组件，注册组件和维护组件。当用户首先希望使用本发明访问系统时，注册组件通过询问各种问题来验证用户对基础帐户的所有权。此后，当用户期望服务他的帐户时，可以重新查询用户以确定他是否正尝试访问正确的信息。认证和访问组件提供访问本发明的系统的功能。审计组件可以配置为定期监控各种帐户，以确保用户和帐户之间的连续连接。

92. 发明授权

US07979349B2 Systems and methods for adjusting crediting limits to facilitate transactions 有权
标题翻译：调整贷方限额以促进交易的系统和方法
公开(公告)号：US07979349B2
公开(公告)日：2011-07-12
申请号：US12242827
申请日：2008-09-30
申请人： Fred Bishop , Bansi L. Sharma , Tracey R. Thomas
发明人： Fred Bishop , Bansi L. Sharma , Tracey R. Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/102 , G06Q40/025 , G06Q40/12
摘要： A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
摘要翻译：披露了促进账户交易的金融账户发行人。本发明向卖方提供从购买者接收资金的不可撤销的方法，并提高买方愿意与未知方交易的意愿。本发明还包括利息支付的选择，不同的发行人的使用，不同的财务账户，预算转移，支出划分，成本分摊，调整信贷限额，贷款，赠送，促进交易的中介，交易跟踪，快速资金可用性，资金的机密转移，卖方立即开始装运，只有经过货物，服务或其他价值的批准，向卖方发放资金，证明付款证明和对远程卖方的追索权。

93. 发明授权

US07925585B2 Systems and methods for facilitating transactions with different account issuers 有权
标题翻译：促进与不同账户发行者交易的系统和方法
公开(公告)号：US07925585B2
公开(公告)日：2011-04-12
申请号：US12242797
申请日：2008-09-30
申请人： Fred Bishop , Bansi L. Sharma , Tracey R. Thomas
发明人： Fred Bishop , Bansi L. Sharma , Tracey R. Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q40/025
摘要： A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
摘要翻译：披露了促进账户交易的金融账户发行人。本发明向卖方提供从购买者接收资金的不可撤销的方法，并提高买方愿意与未知方交易的意愿。本发明还包括利息支付的选择，不同的发行人的使用，不同的财务账户，预算转移，支出划分，成本分摊，调整信贷限额，贷款，赠送，促进交易的中介，交易跟踪，快速资金可用性，资金的机密转移，卖方立即开始装运，只有经过货物，服务或其他价值的批准，向卖方发放资金，证明付款证明和对远程卖方的追索权。

94. 发明授权

US07735725B1 Processing an RF transaction using a routing number 有权
标题翻译：使用路由号码处理RF事务
公开(公告)号：US07735725B1
公开(公告)日：2010-06-15
申请号：US11160548
申请日：2005-06-28
申请人： Fred Bishop , Peter D Saunders
发明人： Fred Bishop , Peter D Saunders
IPC分类号： H04B1/00
CPC分类号： G07C9/00111 , G06Q20/20 , G06Q20/32 , G06Q20/327 , G06Q20/3278 , G06Q20/341 , G06Q20/352 , G07C9/00119 , H04L9/3226 , H04L63/08 , H04L2209/56 , H04L2209/805
摘要： A system and method for securing a Radio Frequency (RF) transaction using a RF identification device transaction device is provided. The invention uses the routing number and customer identifying information associated with a transaction account to secure a RF transaction. Specifically, the customer identifying information is included in an encrypted payload that is provided to a merchant point-of-sale device in a unused field of the RF data transmission. The routing number is provided in the ordinary field location of the data transmission typically reserved for the transaction account number. Additionally, the encrypted payload is provided in the unused field of the data transmission. The routing number is used to locate the corresponding encryption key for validating the RF transaction device, the transaction account and/or customer identifying information without the need for the reader to encrypt the customer identifying information before providing a transaction request to an account issuer.
摘要翻译：提供了一种使用RF识别设备交易设备来确保射频（RF）交易的系统和方法。本发明使用与交易账户相关联的路由号码和客户识别信息来确保RF交易。具体地，客户识别信息被包括在提供给RF数据传输的未使用领域中的商户销售点设备的加密有效载荷中。在通常为交易帐号保留的数据传输的普通字段位置提供了路由号码。此外，加密的有效载荷被提供在数据传输的未使用的字段中。路由号码用于定位用于验证RF交易设备，交易账户和/或客户识别信息的相应加密密钥，而不需要读者在向帐户发行者提供交易请求之前加密客户识别信息。

95. 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。

96. 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。

97. 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。

98. 发明申请

US20090048885A1 Systems and Methods for Facilitating Cost-Splitting Transactions 审中-公开
标题翻译：促成成本分摊交易的系统和方法
公开(公告)号：US20090048885A1
公开(公告)日：2009-02-19
申请号：US12242822
申请日：2008-09-30
申请人： Fred Bishop , Bansi L. Sharma , Tracey R. Thomas
发明人： Fred Bishop , Bansi L. Sharma , Tracey R. Thomas
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q10/00
CPC分类号： G06Q40/00 , G06Q10/0635 , G06Q20/102 , G06Q40/025 , G06Q40/12
摘要： A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
摘要翻译：披露了促进账户交易的金融账户发行人。本发明向卖方提供从购买者接收资金的不可撤销的方法，并提高买方愿意与未知方交易的意愿。本发明还包括利息支付的选择，不同的发行人的使用，不同的财务账户，预算转移，支出划分，成本分摊，调整信贷限额，贷款，赠送，促进交易的中介，交易跟踪，快速资金可用性，资金的机密转移，卖方立即开始装运，只有经过货物，服务或其他价值的批准，向卖方发放资金，证明付款证明和对远程卖方的追索权。

99. 发明申请

US20080275821A1 SYSTEMS AND METHODS FOR RISK TRIGGERING VALUES 有权
标题翻译：风险触发值的系统和方法
公开(公告)号：US20080275821A1
公开(公告)日：2008-11-06
申请号：US12164043
申请日：2008-06-28
申请人： Fred Bishop , Eric James Eldridge , William S. Schwartz
发明人： Fred Bishop , Eric James Eldridge , William S. Schwartz
IPC分类号： G06Q20/00 , H04L9/32
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q20/20 , G06Q20/202 , G06Q20/382 , G06Q20/40 , G06Q20/405 , G06Q30/06
摘要： The invention includes systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) stored within a distributed (e.g., local and/or regional) processing site. An RTV is a condensed version of a set of complex risk data and strategies usually found in central processing sites. The distributed site, after receiving a request for payment authorization, a risk value is calculated for the request. The distributed processing site compares the risk value to the RTV to determine whether to authorize payment. If the risk value is less than or equal to the RTV, the payment is authorized while a risk value greater than the RTV will not be authorized. After one or more authorizations, the distributed processing site forwards the information from the transaction(s) to the central site, wherein the central site calculates a new RTV for the account and distributes the new RTV to the distributed processing site.
摘要翻译：本发明包括利用存储在分布式（例如，本地和/或区域）处理站点内的至少一个风险触发值（RTV）促进销售点交易的风险评估的系统和方法。 RTV是通常在中央处理站点中发现的一组复杂风险数据和策略的精简版本。分发站点在收到付款授权请求后，会根据请求计算风险值。分布式处理站点将风险值与RTV进行比较，以确定是否授权付款。如果风险值小于或等于RTV，则授权付款，而不会授予大于RTV的风险值。在一个或多个授权之后，分布式处理站点将交易中的信息转发到中心站点，其中中心站点为该帐户计算新的RTV，并将新的RTV分发到分布式处理站点。

100. 发明授权

US07313538B2 Transaction tax settlement in personal communication devices 有权
标题翻译：个人通讯设备交易税收清算
公开(公告)号：US07313538B2
公开(公告)日：2007-12-25
申请号：US10076337
申请日：2002-02-15
申请人： Robert Wilmes , Fred Bishop
发明人： Robert Wilmes , Fred Bishop
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/207 , G06Q30/0284 , G06Q40/123
摘要： A transactional tax settlement system for use with a personal communication device is provided. The system has particular usefulness in determining a taxing authority and calculating a tax rate imposed by the taxing authority in a communication network environment. The system may be used to determine a tax authority and corresponding tax rate for a buyer/seller transaction over a network, e.g., the Internet. The system may also be used to determine a tax authority and corresponding tax rate in a mobile telecommunications network, e.g., a cellular phone. The system includes a tax information system for determining the taxing authorities and corresponding tax rates by evaluating factors pertaining to the transaction such as, location, tax status, and transaction description. In addition, the tax information system may validate a payment modality, collect taxes, and account for the transaction.
摘要翻译：提供了一种用于个人通信设备的交易税收清算系统。该制度在确定税务机关和计算税务机关在通信网络环境中征收的税率方面特别有用。该系统可用于通过网络（例如因特网）来确定买方/卖方交易的税务机关和相应的税率。该系统还可以用于在移动电信网络（例如，蜂窝电话）中确定税务机关和相应的税率。该系统包括通过评估与交易相关的因素，如位置，税务状况和交易描述来确定税务机关和相应的税率的税务信息系统。此外，税务信息系统可以验证支付方式，收取税款并交易交易。

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