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81. 发明授权

US06484153B1 System and method for managing third-party input to a conditional purchase offer (CPO) 失效
标题翻译：用于管理有条件购买报价（CPO）的第三方输入的系统和方法
公开(公告)号：US06484153B1
公开(公告)日：2002-11-19
申请号：US08923524
申请日：1997-09-04
申请人： Jay S. Walker , Sanjay K. Jindal , Bruce Schneier , Toby Weir-Jones
发明人： Jay S. Walker , Sanjay K. Jindal , Bruce Schneier , Toby Weir-Jones
IPC分类号： G06F1760
CPC分类号： G06Q20/00 , G06Q10/02 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/24 , G06Q20/403 , G06Q30/018 , G06Q30/02 , G06Q30/06 , G06Q30/08 , G06Q40/025 , G06Q50/188 , G07F9/026
摘要： A central controller receives an offer signal including at least one condition signal. The offer signal defines an offer having at least one condition from a customer. The central controller also receives a payment identifier signal for specifying an account from which funds may be paid. An informational signal relevant to the offer is received from a third party. The central controller transmits the offer signal and the informational signal to at least one seller. In response, an acceptance signal is received from at least one of the sellers. The central controller selects one acceptance signal, if more than one is received, and the corresponding lender is identified. The borrower is thereby bound to the identified lender under the terms and conditions of the offer. Use of the payment identifier signal is initiated if it is determined that the borrower has failed to abide by terms of the offer.
摘要翻译：中央控制器接收包括至少一个条件信号的报价信号。报价信号定义了具有来自客户的至少一个条件的报价。中央控制器还接收用于指定可以支付资金的帐户的支付标识符信号。从第三方收到与报价相关的信息信号。中央控制器向至少一个卖方发送报价信号和信息信号。作为响应，从至少一个卖方接收到接收信号。中央控制器选择一个接收信号，如果接收到多个接收信号，并且识别相应的贷方。因此，借款人根据要约的条款和条件限制了所识别的贷方。如果确定借款人未能遵守要约的条款，则启动支付标识符信号的使用。

82. 发明授权

US06402614B1 Off-line remote system for lotteries and games of skill 失效
公开(公告)号：US06402614B1
公开(公告)日：2002-06-11
申请号：US09063590
申请日：1998-04-21
申请人： Bruce Schneier , Jay S. Walker , James Jorasch
发明人： Bruce Schneier , Jay S. Walker , James Jorasch
IPC分类号： A63F924
CPC分类号： G07F17/32 , A63F3/081 , A63F2003/086 , G06Q30/0212 , G06Q30/0225 , G06Q30/0226 , G06Q30/0251 , G07F17/3218 , G07F17/3251 , G07F17/329
摘要： An off-line remote lottery system which enables players to purchase instant-type lottery game outcomes from a randomized prize data stream in a central computer, and view the outcomes on remotely disposed gaming computers which do not require an on-line connection during play.

83. 发明授权

US06345090B1 Conditional purchase offer management system for telephone calls 失效
标题翻译：有条件的收费电话管理系统
公开(公告)号：US06345090B1
公开(公告)日：2002-02-05
申请号：US08923317
申请日：1997-09-04
申请人： Jay S. Walker , Thomas M. Sparico , Bruce Schneier
发明人： Jay S. Walker , Thomas M. Sparico , Bruce Schneier
IPC分类号： H04M1500
CPC分类号： G06Q20/00 , G06Q10/02 , G06Q20/02 , G06Q20/04 , G06Q20/12 , G06Q20/208 , G06Q20/24 , G06Q20/403 , G06Q30/02 , G06Q30/06 , G06Q30/08 , G06Q40/04 , G07F9/026
摘要： A conditional purchase offer (CPO) management system is disclosed for receiving and processing CPOs for telephone calls from calling parties. The CPO management system processes the CPO to determine whether one or more long distance carriers is willing to accept a given CPO and complete a telephone call in accordance with restrictions defined by the calling party. If accepted, the CPO management system binds the calling party on behalf of the accepting interexchange carrier, to form a legally binding contract. A calling party can submit a CPO for an individual telephone call, a package of calls to one or more called parties, or for a contract to provide telephone service for a predefined period of time. The conditions defined by the calling party may include the telephone number to be called, the maximum price, one or more preferred carriers, if any, as well as any time limitations, such as a particular time-of-day or minimum call duration. Preferably, the calling party initially contacts the CPO management system, for example, by means of telephone or Internet connection, to provide the CPO management system with the terms of the CPO. The CPO management system preferably provides an optional agency feature that permits the CPO management system to accent or reject a given CPO on behalf of certain agency-based interexchange carriers who save delegated such authority to the CPO management system. The calling party is notified of the response of the interexchange carriers and, if accepted, the calling party is bound to complete and pay for a call having the appropriate restrictions which meet the conditions defined by the calling party.
摘要翻译：公开了有条件购买报价（CPO）管理系统，用于接收和处理来自主叫方的电话呼叫的CPO。 CPO管理系统处理CPO以确定一个或多个长途运营商是否愿意接受给定的CPO并且根据主叫方定义的限制来完成电话呼叫。如果被接受，CPO管理系统将代表接受的交换运营商绑定主叫方，形成具有法律约束力的合同。主叫方可以提交个人电话呼叫的CPO，一个或多个被叫方的呼叫包，或者为预定义的时间段提供电话服务的合同。由主叫方定义的条件可以包括要被呼叫的电话号码，最大价格，一个或多个优选载波，如果有的话，以及任何时间限制，例如特定时间或最短呼叫持续时间。优选地，主叫方最初例如通过电话或因特网连接与CPO管理系统联系，以向CPO管理系统提供CPO的条款。 CPO管理体系最好提供一个可选的代理机构特征，允许CPO管理系统代表某些基于代理机构的跨国运营商重视或拒绝给定的CPO，将承包人的权限保留给CPO管理系统。主叫方被通知了交换运营商的响应，如果被接受，主叫方必须完成并支付具有符合主叫方定义的条件的适当限制的呼叫。

84. 发明授权

US6134534A Conditional purchase offer management system for cruises 失效
标题翻译：有条件的采购报价管理系统
公开(公告)号：US6134534A
公开(公告)日：2000-10-17
申请号：US923618
申请日：1997-09-04
申请人： Jay S. Walker , Thomas M. Sparico , T. Scott Case , Bruce Schneier
发明人： Jay S. Walker , Thomas M. Sparico , T. Scott Case , Bruce Schneier
IPC分类号： G06Q20/00 , G07F9/02 , G06F15/20
CPC分类号： G06Q20/00 , G06Q10/02 , G06Q20/02 , G06Q20/04 , G06Q20/12 , G06Q20/24 , G06Q20/403 , G06Q30/02 , G06Q30/06 , G06Q30/08 , G06Q40/04 , G07F9/026
摘要： A conditional purchase offer (CPO) management system is disclosed for receiving CPOs from one or more customers, such as cruise and airline passengers, and for evaluating the received CPOs against a number of CPO rules defined by a plurality of sellers, such as cruise operators and airlines, to determine whether any seller is willing to accept a given CPO. A CPO is a binding offer containing one or more conditions submitted by a customer for purchase of an item, such as airline travel, at a customer-defined price. A CPO rule is a set of restrictions defined by a given seller, such as a cruise operator or an airline, to define a combination of restrictions for which the seller is willing to accept a predefined price. The CPO rules may be securely stored by one or more servers. The CPO management system permits a seller to correct for forecasting errors, if necessary, or other competitive forces which have produced excess capacity, by providing inventory for sale to CPO customers. If a CPO is accepted by more than one seller, the CPO management system executes a post-sell multi-bind process to permit each accepting seller to directly market to the customer and post-sell their product. Thus, the customer selects for himself which seller acceptance to utilize, based on materials furnished by each seller. The CPO management system may optionally also provide a CPO which specifies preferred sellers to the excluded sellers who may make counteroffers to the customer, in an attempt to obtain the business, before one of the specified sellers accepts the CPO.
摘要翻译：披露有条件购买报价（CPO）管理系统，用于从一个或多个客户（例如邮轮和航空公司乘客）接收CPO，以及根据多个卖方定义的多个CPO规则来评估所接收的CPO，例如邮轮营运商和航空公司，以确定任何卖方是否愿意接受给定的CPO。 CPO是一个绑定报价，其中包含一个或多个客户提交的条件，用于以客户定义的价格购买项目，如航空公司旅行。 CPO规则是由给定的卖方（例如邮轮运营商或航空公司）定义的一组限制，用于定义卖方愿意接受预定价格的限制组合。 CPO规则可以被一个或多个服务器安全地存储。 CPO管理系统允许卖方通过向CPO客户提供销售库存来修正产生过剩产能的必要的预测错误或其他竞争力。如果CPO被多个卖家接受，CPO管理系统执行售后多重绑定过程，以允许每个接受卖方直接向客户销售并出售其产品。因此，客户根据每个卖家提供的材料为自己选择卖方接受使用。 CPO管理系统可以选择性地提供CPO，其在指定的卖方接受CPO之前，向可以向客户提供反倾销的排除的卖方指定优先卖方以试图获得该业务。

85. 发明授权

US5871398A Off-line remote system for lotteries and games of skill 失效
公开(公告)号：US5871398A
公开(公告)日：1999-02-16
申请号：US624998
申请日：1996-03-29
申请人： Bruce Schneier , Jay S. Walker , James Jorasch
发明人： Bruce Schneier , Jay S. Walker , James Jorasch
IPC分类号： G07C15/00 , A63F3/08 , G06Q10/00 , G06Q50/00 , G07F17/32 , A63F9/00
CPC分类号： G07F17/3218 , G07F17/3251 , G07F17/329 , A63F2003/086
摘要： An off-line remote lottery system which enables players to purchase instant-type lottery game outcomes from a randomized prize data stream in a central computer, and view the outcomes on remotely disposed gaming computers which do not require an on-line connection during play.

86. 发明授权

US07159237B2 Method and system for dynamic network intrusion monitoring, detection and response 有权
标题翻译：动态网络入侵监测，检测和响应的方法和系统
公开(公告)号：US07159237B2
公开(公告)日：2007-01-02
申请号：US09766343
申请日：2001-01-19
申请人： Bruce Schneier , Andrew H. Gross , Jonathan D. Callas
发明人： Bruce Schneier , Andrew H. Gross , Jonathan D. Callas
IPC分类号： G06F7/04 , G06F11/00 , H09K1/00 , G06F15/16 , G06F15/173
CPC分类号： G06F21/552 , H04L63/1416 , H04L63/20
摘要： A probe attached to a customer's network collects status data and other audit information from monitored components of the network, looking for footprints or evidence of unauthorized intrusions or attacks. The probe filters and analyzes the collected data to identify potentially security-related events happening on the network. Identified events are transmitted to a human analyst for problem resolution. The analyst has access to a variety of databases (including security intelligence databases containing information about known vulnerabilities of particular network products and characteristics of various hacker tools, and problem resolution databases containing information relevant to possible approaches or solutions) to aid in problem resolution. The analyst may follow a predetermined escalation procedure in the event he or she is unable to resolve the problem without assistance from others. Various customer personnel can be alerted in a variety of ways depending on the nature of the problem and the status of its resolution. Feedback from problem resolution efforts can be used to update the knowledge base available to analysts for future attacks and to update the filtering and analysis capabilities of the probe and other systems.
摘要翻译：连接到客户网络的探头从网络的受监视组件收集状态数据和其他审核信息，寻找未经授权的入侵或攻击的脚印或证据。探测器过滤和分析收集的数据，以识别网络上发生的潜在安全相关事件。识别的事件被传送给人类分析人员以解决问题。分析人员可以访问各种数据库（包括安全情报数据库，其中包含有关特定网络产品的已知漏洞和各种黑客工具的特征的信息，以及包含与可能的方法或解决方案相关的信息的问题解决数据库），以帮助解决问题。如果分析人员无法在没有他人协助的情况下解决问题，分析师可能会遵循预定的升级程序。可以根据问题的性质和其解决状况，以各种方式提醒各种客户人员。解决问题的反馈可用于更新分析人员可用于未来攻击的知识库，并更新探测器和其他系统的过滤和分析功能。

87. 发明申请

US20060287091A1 METHOD AND APPARATUS FOR FACILITATING GAME PLAY AND GENERATING AN AUTHENTICATABLE AUDIT-TRAIL 审中-公开
标题翻译：促进游戏和产生可认可的审核轨迹的方法和装置
公开(公告)号：US20060287091A1
公开(公告)日：2006-12-21
申请号：US11423862
申请日：2006-06-13
申请人： Jay Walker , Bruce Schneier
发明人： Jay Walker , Bruce Schneier
IPC分类号： G06F19/00
CPC分类号： G07F17/32 , G07F17/3223 , G07F17/3241 , G07F17/3244 , G07F17/3262 , G07F17/329
摘要： A remote gaming system whereby a player can gamble against a wagering establishment or state-run lottery from a remote location on a personal computer or portable computer device where it is unnecessary to establish an on-line connection with a host computer associated with the wagering establishment, the gaming computer having associated gaming software for providing at least one wagering opportunity and enabling the player to obtain gambling credit and cash-out any resulting winnings, the host computer enabling the player to purchase and redeem gambling credit at the remote location in one embodiment of the invention using cryptographic protocols such as through a series of authenticatable message exchanges between the player and the wagering establishment, the gaming computer and the host computer directly on-line, or the gaming computer having a detachable tamper-resistant or tamper-evident credit module associated therewith or for use with a personal computer being provided to the player with preinstalled or preloaded gambling credit, the gaming system also enabling participation in future events of which the outcome is uncertain such as, for example, a lottery whereby the player makes selections on a gaming computer at a remote location.
摘要翻译：远程游戏系统，其中玩家可以从个人计算机或便携式计算机设备上的远程位置赌注投注设立或者国营彩票，其中不需要与与投注机构相关联的主计算机建立在线连接游戏计算机具有相关联的游戏软件，用于提供至少一个投注机会，并使得玩家获得赌博信用和兑现任何所得到的奖金，主计算机使玩家能够在一个实施例中在远程位置购买和兑换赌博信用使用加密协议，例如通过玩家和投注机构之间的一系列可认证的消息交换，游戏计算机和主机直接在线，或具有可拆卸的防篡改或防篡改信用的游戏计算机与之相关联的模块或用于与个人计算机一起使用的模块玩家具有预先安装或预加载的赌博信用，游戏系统还能够参与未来事件的结果不确定，例如玩家在远程位置的游戏计算机上进行选择的彩票。

88. 发明申请

US20060218098A1 METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER 审中-公开
公开(公告)号：US20060218098A1
公开(公告)日：2006-09-28
申请号：US11422993
申请日：2006-06-08
申请人： Jay Walker , Bruce Schneier , Sanjay Jindal , Daniel Tedesco
发明人： Jay Walker , Bruce Schneier , Sanjay Jindal , Daniel Tedesco
IPC分类号： G06Q99/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/206 , G06Q20/385 , G06Q20/40 , G06Q20/4012 , G06Q40/02 , G06Q40/025 , G07F7/1016
摘要： A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction. The central processor extracts and decrypts data elements from the transmitted identifier using the private cryptographic key, compares those data elements with data elements stored in a memory, and verifies the single-use financial account identifier in accordance with the comparison.

89. 发明申请

US20060122931A1 Method and device for generating a single-use financial account number 有权
公开(公告)号：US20060122931A1
公开(公告)日：2006-06-08
申请号：US11338152
申请日：2006-01-24
申请人： Jay Walker , Bruce Schneier , Sanjay Jindal , Daniel Tedesco
发明人： Jay Walker , Bruce Schneier , Sanjay Jindal , Daniel Tedesco
IPC分类号： G06Q40/00
CPC分类号： G06Q20/385 , G06Q20/04 , G06Q20/10 , G06Q20/24 , G06Q20/382 , G06Q20/3823 , G06Q20/383 , G06Q20/40 , G06Q20/401 , G06Q20/4014
摘要： A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction. The central processor extracts and decrypts data elements from the transmitted identifier using the private cryptographic key, compares those data elements with data elements stored in a memory, and verifies the single-use financial account identifier in accordance with the comparison.

90. 发明申请

US20060068913A1 Methods and apparatus for facilitating game play and generating an authenticatable audit-trail 审中-公开
标题翻译：用于促进游戏玩法并产生可认证的审计跟踪的方法和装置
公开(公告)号：US20060068913A1
公开(公告)日：2006-03-30
申请号：US11200923
申请日：2005-08-10
申请人： Jay Walker , Bruce Schneier
发明人： Jay Walker , Bruce Schneier
IPC分类号： A63F13/00
CPC分类号： G07F17/32 , G07F17/3223 , G07F17/3241 , G07F17/3244 , G07F17/3262 , G07F17/329
摘要： A remote gaming system whereby a player can gamble against a wagering establishment or state-run lottery from a remote location on a personal computer or portable computer device where it is unnecessary to establish an on-line connection with a host computer associated with the wagering establishment, the gaming computer having associated gaming software for providing at least one wagering opportunity and enabling the player to obtain gambling credit and cash-out any resulting winnings, the host computer enabling the player to purchase and redeem gambling credit at the remote location in one embodiment of the invention using cryptographic protocols such as through a series of authenticatable message exchanges between the player and the wagering establishment, the gaming computer and the host computer directly on-line, or the gaming computer having a detachable tamper-resistant or tamper-evident credit module associated therewith or for use with a personal computer being provided to the player with preinstalled or preloaded gambling credit, the gaming system also enabling participation in future events of which the outcome is uncertain such as, for example, a lottery whereby the player makes selections on a gaming computer at a remote location.
摘要翻译：远程游戏系统，其中玩家可以从个人计算机或便携式计算机设备上的远程位置赌注投注设立或者国营彩票，其中不需要与与投注机构相关联的主计算机建立在线连接游戏计算机具有相关联的游戏软件，用于提供至少一个投注机会，并使得玩家获得赌博信用和兑现任何所得到的奖金，主计算机使玩家能够在一个实施例中在远程位置购买和兑换赌博信用使用加密协议，例如通过玩家和投注机构之间的一系列可认证的消息交换，游戏计算机和主机直接在线，或具有可拆卸的防篡改或防篡改信用的游戏计算机与之相关联的模块或用于与个人计算机一起使用的模块玩家具有预先安装或预加载的赌博信用，游戏系统还能够参与未来事件的结果不确定，例如玩家在远程位置的游戏计算机上进行选择的彩票。

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