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    • 34. 再颁专利
    • Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service
    • USRE44513E1
    • 2013-10-01
    • US12614264
    • 2009-11-06
    • Ryan J. NobregaVinod V. Valloppillil
    • Ryan J. NobregaVinod V. Valloppillil
    • G06Q40/00
    • G06Q20/02G06Q20/04G06Q20/0453G06Q20/10G06Q20/102G06Q20/24G06Q20/32G06Q20/322G06Q20/3224G06Q20/327G06Q20/40
    • A wireless telecommunications carrier operates a commerce platform in a trusted domain, which may store sensitive information associated with a consumer. During a credit card based transaction, a merchant's POS terminal sends transaction information to an acquirer. The acquirer recognizes the transaction type and responds by routing the transaction information to the commerce platform. The commerce platform validates the transaction by verifying the identity of the user. When the transaction is validated, the commerce platform notifies the acquirer, which initiates a clearing process. When the transaction clears, the acquirer notifies the commerce platform and signals the merchant's POS terminal to output a paper receipt. The commerce platform stores a digital receipt of the transaction and signals the wireless device to output a confirmation message to the consumer. The consumer's credit card number and other sensitive information may be restricted to the trusted domain, which excludes the merchant. A computer system at a commerce platform receives first data packets containing transaction information that includes consumer telephone numbers from a plurality of merchants. The computer system then transmits, over a packet-based wireless network and to a carrier provider gateway, second data packets destined for wireless devices indicated by the consumer telephone numbers, the second data packets containing information for prompting consumers to confirm transaction details corresponding to the received transaction information. The computer system then receives, over the packet-based wireless network, third data packets origination from the wireless devices, the third data packets containing a confirmation of the transaction details responsive to the prompting. In response to the confirmation, the computer system accesses consumer profile data to obtain consumer account information and then transmits the obtained consumer account information and the confirmed transaction details to a clearing network, using packet-based data, to complete the financial transactions.
    • 38. 发明授权
    • Content discovery using gateway browsing data
    • 使用网关浏览数据的内容发现
    • US08285722B2
    • 2012-10-09
    • US12512962
    • 2009-07-30
    • Edward MooreMartin HighamRobert FineanSean MacNeill
    • Edward MooreMartin HighamRobert FineanSean MacNeill
    • G06F7/00G06F17/30
    • G06F17/30867
    • An internet browsing gateway is utilized to locate mobile web content and improve search capabilities for wireless devices. Mobile browsing data is logged as web pages are requested from and returned to wireless devices associated with the same wireless network. An index server continually updates search indexes in real time as users request searches and search results are returned. As a result, the mobile content that is discovered becomes more relevant for users of the same wireless network or mobile carrier. In other words, the search results are more localized in accordance with the location of the wireless network that services the mobile users within a specific geographic region. When a web search is requested from a wireless device, the index server queries the search indexes. The search results are ranked using a search algorithm that incorporates the browsing data to improve the accuracy and relevance of searches.
    • 利用互联网浏览网关来定位移动网页内容,提高无线设备的搜索能力。 移动浏览数据被记录为网页被请求并返回到与相同无线网络相关联的无线设备。 索引服务器在用户请求搜索并返回搜索结果时,不断更新搜索索引。 结果,发现的移动内容对于同一无线网络或移动运营商的用户变得更加相关。 换句话说,搜索结果根据在特定地理区域内为移动用户提供服务的无线网络的位置进行更多的本地化。 当从无线设备请求网页搜索时,索引服务器查询搜索索引。 搜索结果使用包含浏览数据的搜索算法进行排名,以提高搜索的准确性和相关性。