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81. 发明授权

US07945516B2 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：US07945516B2
公开(公告)日：2011-05-17
申请号：US11695911
申请日：2007-04-03
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： G06F21/00
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。

82. 发明申请

US20090289106A1 SYSTEMS AND METHODS FOR TRANSACTION PROCESSING USING A SMARTCARD 有权
标题翻译：使用智能卡进行交易处理的系统和方法
公开(公告)号：US20090289106A1
公开(公告)日：2009-11-26
申请号：US12505164
申请日：2009-07-17
申请人： Fred Bishop , Robert E. Morgan , Hitesh Seth
发明人： Fred Bishop , Robert E. Morgan , Hitesh Seth
IPC分类号： G07F19/00
CPC分类号： G06Q20/04 , G06Q20/02 , G06Q20/12 , G06Q20/20 , 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. A smartcard may function as a payment directory and/or a payment system.
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。智能卡可以用作支付目录和/或支付系统。

83. 发明申请

US20090265241A1 SYSTEMS AND METHODS FOR DETERMINING A REWARDS ACCOUNT TO FUND A TRANSACTION 审中-公开
标题翻译：确定用于交易的奖励账户的系统和方法
公开(公告)号：US20090265241A1
公开(公告)日：2009-10-22
申请号：US12479702
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 , G06Q20/403 , G06Q30/0238
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。

84. 发明申请

US20090048968A1 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人交易的系统和方法
公开(公告)号：US20090048968A1
公开(公告)日：2009-02-19
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。

85. 发明申请

US20090048966A1 Systems and Methods for Adjusting Loan Amounts to Facilitate Transactions 有权
标题翻译：调整贷款额促进交易的制度和方法
公开(公告)号：US20090048966A1
公开(公告)日：2009-02-19
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，快速的资金可用性，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。

86. 发明申请

US20090048963A1 SYSTEMS AND METHODS FOR FACILITATING TRANSACTIONS WITH INTEREST 有权
标题翻译：促进交易活动的制度和方法
公开(公告)号：US20090048963A1
公开(公告)日：2009-02-19
申请号：US12242766
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
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/0601 , G06Q40/025 , G06Q40/04
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，快速的资金可用性，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。

87. 发明申请

US20090048952A1 Systems and Methods for Adjusting Crediting Limits to Facilitate Transactions 有权
标题翻译：调整贷方限额促进交易的制度和方法
公开(公告)号：US20090048952A1
公开(公告)日：2009-02-19
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： G06Q20/00 , G06Q10/00 , 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。

88. 发明申请

US20090048887A1 Systems and Methods for Facilitating Transactions Involving an Intermediary 审中-公开
标题翻译：促进涉及中介的交易的系统和方法
公开(公告)号：US20090048887A1
公开(公告)日：2009-02-19
申请号：US12242842
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 , G06Q40/12
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。

89. 发明授权

US07475808B1 Systems and methods for locating a payment system utilizing a wireless point of sale device 有权
标题翻译：利用无线销售点设备定位支付系统的系统和方法
公开(公告)号：US07475808B1
公开(公告)日：2009-01-13
申请号：US11164444
申请日：2005-11-22
申请人： Fred Bishop
发明人： Fred Bishop
IPC分类号： G07D11/00
CPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/3223 , G06Q20/385 , G06Q20/40 , G06Q20/403 , G06Q30/06
摘要： Systems and methods to facilitate commercial transactions conducted at geographically remote locations is disclosed. A wireless point of sale (POS) device may be configured 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. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer.
摘要翻译：公开了促进在地理上偏远的地点进行商业交易的系统和方法。无线销售点（POS）设备可以被配置为定位支付系统并且直接地或经由支付系统目录和/或SSL网关从远程位置向至少一个支付系统发送支付授权请求。本发明还包括将第三方帐户信息插入到支付请求的加密部分中，因此支付请求以正常请求的形式出现给开证行，但第三方帐户信息可被第三方用于对客户收费。

90. 发明申请

US20080083024A1 Single use user IDS 有权
标题翻译：单用户IDS
公开(公告)号：US20080083024A1
公开(公告)日：2008-04-03
申请号：US10804429
申请日：2004-03-18
申请人： Elliott Glazer , Fred Bishop , Jeff S. Fehlhaber
发明人： Elliott Glazer , Fred Bishop , Jeff S. Fehlhaber
IPC分类号： G06F17/30
CPC分类号： G06F21/6245 , G06F21/335 , G06Q20/367
摘要： An access verifier may act as an intermediary to allow users to receive single use user IDs while protecting their anonymity. The access verifier has some relationship with the user that allows the access verifier to know details regarding the user that might be helpful in determining whether the user is a potentially desirable customer. The user may request a user ID from the access verifier. The user may then pass the user ID to the access provider when the user wishes to gain access. Upon receiving the user ID, the access provider may request verification that the ID is valid from the access verifier. The access verifier may respond that the ID is valid (if appropriate), and also may include user information. The access provider is thereby provided with some level of assurance that the user is a potential customer without knowing confidential information.
摘要翻译：访问验证者可以充当中介，以允许用户在保护其匿名的同时接收单用户用户ID。访问验证者与用户有一些关系，允许访问验证者知道有关用户的细节，这可能有助于确定用户是否是潜在的可能的客户。用户可以从访问验证器请求用户ID。然后，当用户希望获得访问权限时，用户可以将用户ID传递给接入提供商。在接收到用户ID时，接入提供商可以从接入验证者请求验证该ID是有效的。访问验证者可以响应该ID是有效的（如果适用），并且还可以包括用户信息。因此，接入提供商被提供一定程度的保证，即用户是不知道机密信息的潜在客户。

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