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121. 发明申请

US20110184987A1 METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM 审中-公开
公开(公告)号：US20110184987A1
公开(公告)日：2011-07-28
申请号：US13080514
申请日：2011-04-05
申请人： Fred Bishop
发明人： Fred Bishop
IPC分类号： G06F17/30
CPC分类号： G06Q10/00 , G06F21/31 , G06Q20/10 , G06Q40/02
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.

122. 发明授权

US07908214B2 Systems and methods for adjusting loan amounts to facilitate transactions 有权
标题翻译：用于调整贷款额的方法用于交易
公开(公告)号：US07908214B2
公开(公告)日：2011-03-15
申请号：US12242830
申请日：2008-09-30
申请人： Fred Bishop , Bansi Sharma , Tracey R. Thomas
发明人： Fred Bishop , Bansi Sharma , Tracey R. Thomas
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/108 , 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。

123. 发明申请

US20090265249A1 SYSTEMS AND METHODS FOR SPLIT TENDER TRANSACTION PROCESSING 审中-公开
标题翻译：分散投标交易处理的系统和方法
公开(公告)号：US20090265249A1
公开(公告)日：2009-10-22
申请号：US12479672
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
CPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/202 , G06Q20/403
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。

124. 发明申请

US20090089581A1 System and Method for Securing Data Through a PDA Portal 有权
标题翻译：通过PDA门户保护数据的系统和方法
公开(公告)号：US20090089581A1
公开(公告)日：2009-04-02
申请号：US12332248
申请日：2008-12-10
申请人： Fred Bishop , Trey Neemann , Theodore S. Voltmer , Fauziah B. Ariff
发明人： Fred Bishop , Trey Neemann , Theodore S. Voltmer , Fauziah B. Ariff
IPC分类号： H04L9/32
CPC分类号： G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/387 , G06Q30/02 , G06Q30/0226 , G06Q30/06 , G06Q40/02
摘要： Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.
摘要翻译：消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。为了接收信息，PDA联系门户并建立连接，对网络进行身份验证，并允许用户通过网络完成安全交易或传输。

125. 发明授权

US07505941B2 Methods and apparatus for conducting electronic transactions using biometrics 有权
标题翻译：使用生物特征进行电子交易的方法和装置
公开(公告)号：US07505941B2
公开(公告)日：2009-03-17
申请号：US10908434
申请日：2005-05-11
申请人： Fred Bishop , David S Bonalle , Glen Salow
发明人： Fred Bishop , David S Bonalle , Glen Salow
IPC分类号： G06Q99/00
CPC分类号： G07F7/0866 , G06Q20/027 , G06Q20/341 , G06Q20/363 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/401 , G06Q20/4097 , G07F7/1008
摘要： A system and method for facilitating electronic transactions using a biometric are disclosed. The system for facilitating electronic transactions using a biometric comprises a smartcard-reader transaction system. The method comprises determining if a transaction violates an established rule, such as a preset spending limit. The method also comprises notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.
摘要翻译：公开了一种用于促进使用生物特征的电子交易的系统和方法。用于促进使用生物特征的电子交易的系统包括智能卡读取器交易系统。该方法包括确定交易是否违反已建立的规则，例如预设支出限额。该方法还包括通知用户提供生物特征样本以验证所述用户的身份，并且在传感器处检测提供的生物特征以获得提供的生物特征样本。该方法另外包括验证所提供的生物特征样本并授权交易在验证所提供的生物特征样本时继续。

126. 发明申请

US20090048951A1 Systems and Methods for Facilitating Budgeting Transactions 有权
标题翻译：促进预算交易的系统和方法
公开(公告)号：US20090048951A1
公开(公告)日：2009-02-19
申请号：US12242812
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 , G06Q10/00 , G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/40 , 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。

127. 发明申请

US20090048886A1 Systems and Methods for Facilitating Gifting Transactions 审中-公开
标题翻译：促进交货交易的制度和方法
公开(公告)号：US20090048886A1
公开(公告)日：2009-02-19
申请号：US12242836
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 , G06Q20/00 , G06Q50/00
CPC分类号： G06Q40/00 , G06Q20/10 , 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。

128. 发明申请

US20090043705A1 SYSTEMS AND METHODS FOR FACILITATING TRANSACTIONS 有权
标题翻译：促进交易的制度和方法
公开(公告)号：US20090043705A1
公开(公告)日：2009-02-12
申请号：US12242759
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 , G06Q20/108 , G06Q30/0609 , 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。

129. 发明授权

US07222101B2 System and method for securing data through a PDA portal 有权
标题翻译：通过PDA门户保护数据的系统和方法
公开(公告)号：US07222101B2
公开(公告)日：2007-05-22
申请号：US10084744
申请日：2002-02-26
申请人： Fred Bishop , Trey Neemann , Theodore S. Voltmer , Fauziah B. Ariff
发明人： Fred Bishop , Trey Neemann , Theodore S. Voltmer , Fauziah B. Ariff
IPC分类号： G06Q99/00 , H04K1/00 , H04L9/00
CPC分类号： G06F21/606 , B01J23/6562 , B01J23/8913 , B01J37/0205 , B01J37/0226 , G06F21/6245 , G06Q30/02 , G06Q30/0226 , H04L63/0464 , H04L63/0485 , H04L63/083
摘要： Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network, and allows the user to complete secured transactions or transmissions over the network.
摘要翻译：消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。为了接收信息，PDA联系门户并建立连接，对网络进行认证，并允许用户通过网络完成安全交易或传输。

130. 发明授权

US07167470B2 Method and apparatus for locating a communication device using local area network switch information 有权
标题翻译：使用局域网交换机信息定位通信设备的方法和装置
公开(公告)号：US07167470B2
公开(公告)日：2007-01-23
申请号：US10099509
申请日：2002-03-15
申请人： William B. Bailey , Edward W. Swanson , Fred Bishop
发明人： William B. Bailey , Edward W. Swanson , Fred Bishop
IPC分类号： H04L12/66
CPC分类号： H04M7/006 , H04L29/06027 , H04L29/1216 , H04L41/0213 , H04L61/157 , H04L65/1069 , H04L65/4007 , H04M3/42229 , H04M3/42348 , H04M2242/04 , H04M2242/30 , H04W4/00 , H04W8/26 , H04W60/00 , H04W64/00 , H04W80/00
摘要： The present invention includes a system and method for using Local Area Network (LAN) switch information of an internet protocol phone to determine the location of the internet protocol phone. The internet protocol phone communicates with a server and receives a dynamic internet protocol address. The internet protocol phone further communicates with a second server to receive LAN switch information for the internet protocol phone. The internet protocol phone transmits the dynamic internet protocol address and LAN switch information to a phone management module. The phone management module queries a LAN switch in order to gather further LAN switch information for the internet protocol phone. The phone management module transmits the dynamic internet protocol address and LAN switch information to a third party in order to more accurately determine the location of a user using the internet protocol phone.
摘要翻译：本发明包括一种使用因特网协议电话的局域网（LAN）交换机信息来确定因特网协议电话的位置的系统和方法。互联网协议电话与服务器通信并接收动态互联网协议地址。互联网协议电话还与第二服务器进行通信以接收因特网协议电话的LAN交换机信息。互联网协议电话将动态互联网协议地址和LAN交换机信息发送到电话管理模块。电话管理模块查询LAN交换机，以收集互联网协议电话的进一步的LAN交换机信息。电话管理模块将动态互联网协议地址和LAN交换机信息发送给第三方，以便更准确地确定使用因特网协议电话的用户的位置。

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