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    • 91. 发明申请
    • METHOD AND SYSTEM FOR SEAMLESS CONSUMMATION OF AN ELECTRONIC TRANSACTION BASED ON LOCATION RELATED DATA
    • 基于位置相关数据的电子交易无缝消费的方法和系统
    • US20110212735A1
    • 2011-09-01
    • US12748104
    • 2010-03-26
    • Mark BuerCharles AbrahamDavid GarrettJeyhan KaraoguzDavid LundgrenDavid Murray
    • Mark BuerCharles AbrahamDavid GarrettJeyhan KaraoguzDavid LundgrenDavid Murray
    • H04W64/00
    • H04W4/029
    • A mobile device may determine its location, receive transaction related information, and initiate, based on its determined location and/or the transaction related information, a transaction at the current location. The transaction related information may be received from a location server. The mobile device and/or its users may also be authenticated, using the location server. The initiated transaction may be completed automatically, without user input. The device user may also be prompted for authorization and/or information for completing the transaction. The transaction related information may specify if and/or when transactions are to be completed automatically. The mobile device may track user actions via the mobile device, and may generate based on that tracking, user action data pertaining transactions initiated and/or conducted by the user. The generated user action data may be communicated to the location server, and may be used to update the profile data maintained by the location server.
    • 移动设备可以基于其确定的位置和/或交易相关信息来确定其位置,接收交易相关信息,以及在当前位置发起交易。 交易相关信息可以从位置服务器接收。 移动设备和/或其用户也可以使用位置服务器进行认证。 启动的事务可以自动完成,无需用户输入。 还可以提示设备用户用于完成交易的授权和/或信息。 交易相关信息可以指定是否和/或何时自动完成交易。 移动设备可以经由移动设备跟踪用户动作,并且可以基于该跟踪生成关于由用户发起和/或执行的交易的用户动作数据。 生成的用户动作数据可以被传送到位置服务器,并且可以用于更新由位置服务器维护的简档数据。
    • 92. 发明申请
    • METHOD AND SYSTEM FOR UPDATING OBSOLETE RECORDS FOR REFERENCE POSITIONS IN A REFERENCE POSITION DATABASE
    • 用于更新用于参考位置数据库中的参考位置的记录记录的方法和系统
    • US20110202576A1
    • 2011-08-18
    • US12753678
    • 2010-04-02
    • Nambirajan SeshadriDavid Murray
    • Nambirajan SeshadriDavid Murray
    • G06F15/16G08B1/08G06F17/30
    • G06F17/30578
    • A mobile device communicates position samples of one or more reference position with respect to one or more other communication device such as access points to a location server communicatively coupled to a reference database. The location server determines whether to utilize the one or more reference position in the reference position database based on the communicated samples. The mobile device scans the position samples, which indicate position information of the one or more other communication device and/or whether the position information is reliable for use. The scanned position samples are accumulated and transmitted to the location server. The location server updates records for the one or more reference positions with respect to the one or more other communication device in the reference position database based on the accumulated position samples received. The updated records are utilized to determine a fast position fix for the position device.
    • 移动设备将一个或多个其他通信设备的一个或多个参考位置的位置样本传送到诸如通信地耦合到参考数据库的位置服务器的接入点。 位置服务器基于所传送的样本来确定是否利用参考位置数据库中的一个或多个参考位置。 移动设备扫描指示一个或多个其他通信设备的位置信息的位置样本和/或位置信息是否可靠使用。 扫描的位置样本被累积并发送到位置服务器。 位置服务器基于收到的累积位置样本,更新关于参考位置数据库中的一个或多个其他通信设备的一个或多个参考位置的记录。 利用更新的记录来确定位置装置的快速定位。
    • 96. 发明申请
    • PROVIDING GNSS ASSISTANCE DATA VIA A WIRELESS LAN ACCESS POINT
    • 通过无线局域网接入点提供GNSS辅助数据
    • US20110200024A1
    • 2011-08-18
    • US12748159
    • 2010-03-26
    • Jeyhan KaraoguzCharles AbrahamMark BuerDavid GarrettDavid Albert LundgrenDavid Murray
    • Jeyhan KaraoguzCharles AbrahamMark BuerDavid GarrettDavid Albert LundgrenDavid Murray
    • H04W8/00
    • H04W48/10G01S19/05H04W4/029
    • A wireless mobile device, either a WLAN enabled mobile device or a Bluetooth enable device, which is within range of a WLAN access point, is operable to receive GNSS assistance data broadcasted from the WLAN access point. The GNSS assistance data are acquired by the WLAN access point from a reference database coupled to a location server. The broadcast GNSS assistance data comprise ephemeris data, LTO data, location information related to the WLAN access point and/or time information. The WLAN access point receives the acquired GNSS assistance data from the location server over a broadband IP network. The WLAN access point selects available resources for broadcasting the received GNSS assistance data to wireless mobile devices in range. The wireless mobile device receives the broadcast GNSS assistance data to calculate its own location. The calculated location of the wireless mobile device is used to update or refine the reference database.
    • 位于WLAN接入点范围内的无线移动设备(WLAN支持的移动设备或蓝牙使能设备)可操作以接收从WLAN接入点广播的GNSS辅助数据。 GNSS辅助数据由WLAN接入点从耦合到位置服务器的参考数据库获取。 广播GNSS辅助数据包括星历数据,LTO数据,与WLAN接入点相关的位置信息和/或时间信息。 WLAN接入点通过宽带IP网络从位置服务器接收所获取的GNSS辅助数据。 WLAN接入点选择可用的资源,用于将接收的GNSS辅助数据广播到范围内的无线移动设备。 无线移动设备接收广播GNSS辅助数据以计算其自己的位置。 无线移动设备的计算位置用于更新或优化参考数据库。
    • 99. 发明授权
    • Two factor authentications for financial transactions
    • 金融交易的两个因素验证
    • US07600676B1
    • 2009-10-13
    • US11644947
    • 2006-12-26
    • Steven Roy RadosRenato DelatorreDavid MurrayJess GermanskySteven WerdenHasan Dossal
    • Steven Roy RadosRenato DelatorreDavid MurrayJess GermanskySteven WerdenHasan Dossal
    • G06K5/00G06Q40/00
    • G06Q30/06G06Q20/40G06Q20/401G06Q40/02
    • The present invention relates to a method for authenticating financial transactions by using an additional factor which is not present on a physical card, and which is not used in sequential transactions. In one example, a purchaser provides card information to a merchant; the merchant transmits the card information and transaction information to an issuer; the issuer authenticates the card information, and transmits verification indicia to a target address associated with the card information. The purchaser target address may be the telephone number of a mobile telephone of the purchaser or a third party (e.g. parent). The purchaser or third party provides the verification indicia to a merchant; and the merchant transmits the verification indicia back to the issuer. The issuer authenticates that the received verification indicia relative to that sent to the target address, and thus the purchaser is the genuine or authentic person authorized to use card information; and the issuer approves the transaction.
    • 本发明涉及一种用于通过使用不存在于物理卡上并且不在顺序交易中使用的附加因素来认证金融交易的方法。 在一个示例中,购买者向商家提供卡片信息; 商户将卡信息和交易信息发送给发行人; 发卡人认证卡信息,并将验证标记发送到与卡信息相关联的目标地址。 购买者目标地址可以是购买者或第三方(例如,父母)的移动电话的电话号码。 买方或第三方向商人提供验证标记; 并且商家将验证标记发送回发行者。 发行人认证接收到的相对于发送到目标地址的验证标记,因此购买者是被授权使用卡信息的真实或真实的人; 发行人批准交易。
    • 100. 发明申请
    • WEIGHTED AIDING FOR POSITIONING SYSTEMS
    • 用于定位系统的加权援助
    • US20090189810A1
    • 2009-07-30
    • US12354127
    • 2009-01-15
    • David Murray
    • David Murray
    • G01S5/00
    • G01S19/48G01S19/22G01S19/23
    • Location information provided by multiple positioning systems is combined to provide an estimated user location. In performing the combination, location information provided by the positioning system that is currently deemed more reliable is provided greater weight than the location information provided from the other positioning system(s). Alternatively, one of multiple positioning systems is selected to calculate an estimated user location. The selected system is the one that is currently deemed more reliable based on some indicia of reliability. Using either approach, an accurate estimate of a user's location can be provided both in rural areas or other sparsely-populated areas as well as in urban areas or other areas prone to high multipath effects.
    • 由多个定位系统提供的位置信息被组合以提供估计的用户位置。 在执行组合时,提供由当前被认为更可靠的定位系统提供的位置信息比从其他定位系统提供的位置信息更大的权重。 或者,选择多个定位系统之一来计算估计的用户位置。 所选择的系统是基于一些可靠性标记被认为更可靠的系统。 使用任一方法,可以在农村地区或其他人口稀少的地区以及城市地区或易于产生高多径效应的其他地区提供对用户位置的准确估计。