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41. 发明授权

US07716127B2 Systems and methods for facilitating commercial transactions between parties residing at remote locations 有权
公开(公告)号：US07716127B2
公开(公告)日：2010-05-11
申请号：US11695174
申请日：2007-04-02
申请人： Lucas Gebb , Joshua B McKay , Michael R Barrett , Lee A Wojciechowski , David Armes , Fred Bishop , Madhukar Madhineni , Vilayanur Parameswaran Krishnan
发明人： Lucas Gebb , Joshua B McKay , Michael R Barrett , Lee A Wojciechowski , David Armes , Fred Bishop , Madhukar Madhineni , Vilayanur Parameswaran Krishnan
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/403 , G06Q30/0601 , G06Q30/0633 , G06Q40/00 , G06Q40/025
摘要： The present invention provides a system and method for facilitating commercial transactions involving the exchange of monetary value for goods, services, or other value between remote individuals, as in the case of transactions between users of a distributed computer network such as the Internet. Remote individuals are provided with a convenient, cost-efficient, and secure means for engaging in commercial transactions with one another. The invention provides remote sellers with an irrevocable means of receiving funds from a remote purchaser; means for improving purchaser willingness to transact with an unknown party; transaction tracking; and rapid funds availability. The invention also provides remote purchasers with means for making a secure, confidential transfer of funds; means for immediate initiation of shipment by a seller; means for releasing funds to a seller only after approval of the goods, services, or other value; means for demonstrating proof of payment; and means for having some level of recourse against a remote seller.

42. 发明授权

US07627531B2 System for facilitating a transaction 有权
标题翻译：促进交易的系统
公开(公告)号：US07627531B2
公开(公告)日：2009-12-01
申请号：US09800461
申请日：2001-03-07
申请人： Lydia Breck , Jessica Zoob , Glen Salow , Fred Bishop , William Schwarz , Elliot Glazer , David Johnstone , Katie Cunningham , Anant Nambiar , Jan Nunney Belt , Martin Wittwer , David Armes , Christina Chow
发明人： Lydia Breck , Jessica Zoob , Glen Salow , Fred Bishop , William Schwarz , Elliot Glazer , David Johnstone , Katie Cunningham , Anant Nambiar , Jan Nunney Belt , Martin Wittwer , David Armes , Christina Chow
IPC分类号： G06F17/00
CPC分类号： G06Q20/383 , G06Q10/04 , G06Q20/00 , G06Q20/04 , G06Q20/0855 , G06Q20/10 , G06Q20/105 , G06Q20/108 , G06Q20/14 , G06Q20/206 , G06Q20/327 , G06Q20/346 , G06Q20/367 , G06Q20/3672 , G06Q20/385 , G06Q20/40 , G06Q30/04 , G06Q40/00 , G07C9/00111 , G07C9/00119 , G07F7/1008
摘要： The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.
摘要翻译：本发明提供一种用于使用与持卡人的主要账户相关联的次要交易号码促进交易的系统和方法。持卡人通常将与其相关联的有限使用条件的次要交易号码提供给商家以促进更安全和更自信的交易。

43. 发明授权

US07431207B1 System and method for two-step payment transaction authorizations 有权
标题翻译：用于两步付款交易授权的系统和方法
公开(公告)号：US07431207B1
公开(公告)日：2008-10-07
申请号：US11031111
申请日：2005-01-05
申请人： Trey Neemann , Fred Bishop , Michael Barrett , David Armes
发明人： Trey Neemann , Fred Bishop , Michael Barrett , David Armes
IPC分类号： G06K5/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/385 , G06Q30/0603
摘要： To process a commercial transaction, a merchant receives a card payment request from a customer. The merchant redirects the customer to the card issuer. The authorization computer of the card issuer communicates with the customer and authenticates the identity of the customer as the true cardholder of the card presented for payment. In a first embodiment, the merchant submits an authorization request in response to a card payment request to the authorization computer. The merchant receives an authorization confirmation from the authorization computer upon authentication of the identity of the cardholder. In a second embodiment, the customer receives an authorization confirmation from the authorization computer upon the authentication of the identity of the cardholder. The customer then submits the authorization confirmation to the merchant. The merchant, in turn, confirms the authorization confirmation with the authorization computer.
摘要翻译：为了处理商业交易，商家从客户接收卡付款请求。商家将客户重定向到发卡机构。发卡机构的授权计算机与客户进行通信，并将客户的身份认证为提供付款卡的真实持卡人。在第一实施例中，商家向授权计算机提交响应于卡支付请求的授权请求。验证持卡人的身份后，商家将从授权计算机收到授权确认。在第二实施例中，客户在认证持卡人的身份时从授权计算机接收授权确认。客户然后向商家提交授权确认。反过来，商家确认授权计算机的授权确认。

44. 发明授权

US07426492B1 Systems and methods for facilitating commercial transactions between parties residing at remote locations 有权
标题翻译：促进居住在偏远地区的各方商业交易的系统和方法
公开(公告)号：US07426492B1
公开(公告)日：2008-09-16
申请号：US09704379
申请日：2000-11-02
申请人： Fred Bishop , Michael R. Barrett , David Armes , Lee A. Wojciechowski , Madhukar Madhineni , Vilayanur Parameswaran Krishnan , Joshua B. McKay , Lucas Gebb
发明人： Fred Bishop , Michael R. Barrett , David Armes , Lee A. Wojciechowski , Madhukar Madhineni , Vilayanur Parameswaran Krishnan , Joshua B. McKay , Lucas Gebb
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/403 , G06Q30/0601 , G06Q30/0633 , G06Q40/00 , G06Q40/025
摘要： The present invention provides a system and method for facilitating commercial transactions involving the exchange of monetary value for goods, services, or other value between remote individuals, as in the case of transactions between users of a distributed computer network such as the Internet. Remote individuals are provided with a convenient, cost-efficient, and secure means for engaging in commercial transactions with one another. The invention provides remote sellers with an irrevocable means of receiving funds from a remote purchaser; means for improving purchaser willingness to transact with an unknown party; transaction tracking; and rapid funds availability. The invention also provides remote purchasers with means for making a secure, confidential transfer of funds; means for immediate initiation of shipment by a seller; means for releasing funds to a seller only after approval of the goods, services, or other value; means for demonstrating proof of payment; and means for having some level of recourse against a remote seller.
摘要翻译：本发明提供了一种用于促进商业交易的系统和方法，其涉及在远程个人之间的商品，服务或其他价值的货币价值交换，如在诸如因特网的分布式计算机网络的用户之间的交易的情况。为远程个人提供方便，成本效益和安全的手段进行商业交易。本发明为远程卖方提供从远程购买者接收资金的不可撤销的方式; 提高购买者与未知方交易意愿的手段; 交易追踪; 资金可用性快。本发明还为远程购买者提供了进行安全，机密的资金转移的手段; 卖方立即开始装运的手段; 仅在批准货物，服务或其他价值后向卖方发放资金的手段; 用于证明付款证明的手段; 以及为远程卖方提供一定程度的追索的手段。

45. 发明申请

US20060218391A1 SYSTEM AND METHOD FOR AUTHENTICATING A WEB PAGE 有权
标题翻译：用于认证网页的系统和方法
公开(公告)号：US20060218391A1
公开(公告)日：2006-09-28
申请号：US11423340
申请日：2006-06-09
申请人： Elliott Glazer , Dirk White , David Armes , Fred Bishop , Michael Barrett
发明人： Elliott Glazer , Dirk White , David Armes , Fred Bishop , Michael Barrett
IPC分类号： H04L9/00
CPC分类号： H04L63/08 , G06F21/33 , G06F21/36 , G06F2221/2151 , H04L63/1441 , H04L63/1483 , H04L2463/121
摘要： The present invention provides for an icon with an additional level of functionality that allows a user to validate that current information (e.g., a web page) originates from the true owner of the icon and is not merely a copy. The method includes a user requesting a web page from a web site using a web browser. The web server receives the request, retrieves the web page and forwards it to an authentication server. The authentication server inserts an authenticity key into the web page, then the page (including the authenticity key) is returned to the user. If the page includes an authenticity key, the authenticity is verified at the user's computer because the user computer includes logic (e.g., software) to verify the authenticity. During the user configuration process, the user defines an authenticity stamp which determines the format of an authenticated page.
摘要翻译：本发明提供具有附加级别的功能的图标，其允许用户验证当前信息（例如，网页）源自图标的真实所有者，并且不仅仅是副本。该方法包括使用网络浏览器从网站请求网页的用户。 Web服务器接收请求，检索网页并将其转发给认证服务器。认证服务器将真实性密钥插入到网页中，然后将页面（包括真实性密钥）返回给用户。如果该页面包含真实性密钥，则在用户计算机上验证真实性，因为用户计算机包括验证真实性的逻辑（例如，软件）。在用户配置过程中，用户定义确定认证页面的格式的真实性标记。

46. 发明授权

US08788417B2 System and method for selection of payment systems from a payment system directory to process a transaction 有权
公开(公告)号：US08788417B2
公开(公告)日：2014-07-22
申请号：US13327241
申请日：2011-12-15
申请人： David Armes , Fred Bishop , Jeffrey Alan Edelen , Bill Schwarz
发明人： David Armes , Fred Bishop , Jeffrey Alan Edelen , Bill Schwarz
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/40 , G06Q30/0613 , G06Q40/12
摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.

47. 发明授权

US08719161B2 System and method for selection of payment systems from a payment system directory to process a transaction 有权
标题翻译：用于从支付系统目录中选择支付系统以处理交易的系统和方法
公开(公告)号：US08719161B2
公开(公告)日：2014-05-06
申请号：US13327282
申请日：2011-12-15
申请人： David Armes , Fred Bishop , Jeffrey Alan Edelen , Bill Schwarz
发明人： David Armes , Fred Bishop , Jeffrey Alan Edelen , Bill Schwarz
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/40 , G06Q30/0613 , G06Q40/12
摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.
摘要翻译：动态地启用和促进企业或其他实体查找和处理付款系统以处理付款的目的。客户与物品（例如商品或服务）的供应商交互，选择要购买的商品，并向供应商提供付款标准。供应商查询支付系统目录以查找交易的候选支付系统。供应商然后直接与一个或多个支付系统进行交互，以部分或全部处理交易的付款。或者，供应商与网关服务交互，网关服务查询支付系统目录以定位候选支付系统，然后与一个或多个支付系统进行交互以处理交易的支付。

48. 发明授权

US08577801B2 System and method for selection of payment systems from a payment system directory to process a transaction 有权
标题翻译：用于从支付系统目录中选择支付系统以处理交易的系统和方法
公开(公告)号：US08577801B2
公开(公告)日：2013-11-05
申请号：US13327173
申请日：2011-12-15
申请人： David Armes , Fred Bishop , Jeffrey Alan Edelen , Bill Schwarz
发明人： David Armes , Fred Bishop , Jeffrey Alan Edelen , Bill Schwarz
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/40 , G06Q30/0613 , G06Q40/12
摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.
摘要翻译：动态地启用和促进企业或其他实体查找和处理付款系统以处理付款的目的。客户与物品（例如商品或服务）的供应商交互，选择要购买的商品，并向供应商提供付款标准。供应商查询支付系统目录以查找交易的候选支付系统。供应商然后直接与一个或多个支付系统进行交互，以部分或全部处理交易的付款。或者，供应商与网关服务交互，网关服务查询支付系统目录以定位候选支付系统，然后与一个或多个支付系统进行交互以处理交易的支付。

49. 发明申请

US20120084209A1 SYSTEM AND METHOD FOR SELECTION OF PAYMENT SYSTEMS FROM A PAYMENT SYSTEM DIRECTORY TO PROCESS A TRANSACTION 有权
标题翻译：从付款系统目录中选择付款系统的系统和方法进行交易
公开(公告)号：US20120084209A1
公开(公告)日：2012-04-05
申请号：US13327282
申请日：2011-12-15
申请人： David Armes , Fred Bishop , Jeffrey Alan Edelen , Bill Schwarz
发明人： David Armes , Fred Bishop , Jeffrey Alan Edelen , Bill Schwarz
IPC分类号： G06Q20/40 , G06Q40/02
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/40 , G06Q30/0613 , G06Q40/12
摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.
摘要翻译：动态地启用和促进企业或其他实体查找和处理付款系统以处理付款的目的。客户与物品（例如商品或服务）的供应商交互，选择要购买的商品，并向供应商提供付款标准。供应商查询支付系统目录以查找交易的候选支付系统。供应商然后直接与一个或多个支付系统进行交互，以部分或全部处理交易的付款。或者，供应商与网关服务交互，网关服务查询支付系统目录以定位候选支付系统，然后与一个或多个支付系统进行交互以处理交易的支付。

50. 发明授权

US08090655B2 System and method for selection of payment systems from a payment system directory to process a transaction 有权
公开(公告)号：US08090655B2
公开(公告)日：2012-01-03
申请号：US13020579
申请日：2011-02-03
申请人： David Armes , Fred Bishop , Jeffrey Alan Edelen , Bill Schwarz
发明人： David Armes , Fred Bishop , Jeffrey Alan Edelen , Bill Schwarz
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/40 , G06Q30/0613 , G06Q40/12
摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.

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