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1. 发明申请

WO2012091774A1 SYSTEMS AND METHODS FOR MANAGING PERMISSIONS FOR INFORMATION OWNERSHIP IN THE CLOUD 审中-公开
标题翻译：管理云中信息所有权的系统和方法
公开(公告)号：WO2012091774A1
公开(公告)日：2012-07-05
申请号：PCT/US2011/053704
申请日：2011-09-28
申请人： PAYMENT PATHWAYS, INC.
发明人： O'BRIEN, Richard, J. , GALLANT, Andrew, M.
IPC分类号： G06Q30/00
CPC分类号： G06Q20/02 , G06F19/328 , G06Q20/227 , G06Q20/24 , G06Q20/385 , G06Q40/02 , G16H10/60
摘要： The present invention relates to a central (root) directory and the synchronization of unique identifiers associated with a payment addresses and permission preferences at different institutions. In a preferred embodiment, each unique identifier associates an account owner's permissions preference for the release of personal identifying information without the need for transaction-by-transaction explicit permissions or blanket implicit permissions. An asset transfer deposit account (for information and/or monetary assets) may be set up as a deposit only account. In this way, the present invention can be effective in eliminating many privacy concerns of account owners and security requirements of an information asset repository.
摘要翻译：本发明涉及中央（根）目录和与不同机构的支付地址和许可偏好相关联的唯一标识符的同步。在优选实施例中，每个唯一标识符将帐户所有者的权限偏好与个人识别信息的发布相关联，而不需要逐交易显式许可或覆盖隐式许可。资产转账存款账户（信息和/或货币资产）可以设置为仅存款账户。以这种方式，本发明可以有效地消除帐户所有者的许多隐私问题和信息资产库的安全性要求。

2. 发明申请

WO2014152576A3 SYSTEMS AND METHODS FOR EXTENDING IDENTITY ATTRIBUTES AND AUTHENTICATION FACTORS IN AN EPAYMENT ADDRESS REGISTRY 审中-公开
标题翻译：用于扩展接受地址注册中的身份属性和认证因素的系统和方法
公开(公告)号：WO2014152576A3
公开(公告)日：2014-12-04
申请号：PCT/US2014027492
申请日：2014-03-14
申请人： PAYMENT PATHWAYS INC
发明人： O'BRIEN RICHARD J , GALLANT ANDREW
IPC分类号： G06F7/04
CPC分类号： G06Q20/12 , G06Q20/40
摘要： The present invention relates to a network of registries that are: synchronized in whole or in part to a root registry; and are compilations of registrant data from accredited Identity Providers that accept liability for registering verified and accurate identity attributes. Registries associate a unique identifier with: a financial account owner's Personally Identifying Information; one or more linked publicly discoverable ePayment addresses to an account at a Financial Institution; and a financial account owner's profile of preferences related to the capture, handling, transfer and storage of monetary and informational assets. Preferences extensions include: operating instructions and rule sets; and authentication factors that may make use of time sensitive data at one or more institutions.
摘要翻译：本发明涉及一种登记网络，其全部或部分同步于根登记处; 并且是来自经认可的身份提供商的注册人数据汇编，其接受注册经过验证和准确身份属性的责任。注册管理机构将唯一标识符与：财务账户所有者的个人识别信息; 一个或多个链接公开发现的ePayment地址到金融机构的账户; 以及与金融和信息资产的获取，处理，转移和存储有关的金融账户所有者的偏好情况。首选项扩展包括：操作说明和规则集; 以及可能在一个或多个机构使用时间敏感数据的认证因素。

3. 发明申请

WO2007056274A3 METHODS AND SYSTEMS FOR IDENTITY AUTHENTICATION 审中-公开
标题翻译：身份认证的方法和系统
公开(公告)号：WO2007056274A3
公开(公告)日：2009-05-14
申请号：PCT/US2006043173
申请日：2006-11-03
申请人： PAYMENT PATHWAYS INC , O'BRIEN RICHARD J , GALLANT ANDREW M , CONDON JOHN J , FIRFER JORDAN S , BUETTNER LAWRENCE F
发明人： O'BRIEN RICHARD J , GALLANT ANDREW M , CONDON JOHN J , FIRFER JORDAN S , BUETTNER LAWRENCE F
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4014 , G06Q20/40
摘要： The Greenlist tool provides payors desiring to pay a merchant a means to locate, validate and effect the transfer of assets to another party by routing transaction requests to a third party that functions as the transaction enabler. This task is performed without divulging confidential information about transactors while assigning liability for certain risk consequences to the lowest cost risk bearers: banks. Greenlist verifies identities before making financial transactions or before obtaining access to restricted information. The Greenlist can be completely trusted by risk-bearers. Liability for risk can be transferred to the registrars of the information contained within the registry. This liability transfer substantially reduces the payor's cost of bearing risks. Banks or third parties responsible for certifying that someone or some entity claiming to be an authorized party is not an impostor can now offer new levels of service at a substantially lower cost for a variety of transactions.
摘要翻译： “绿名单”工具为付款人提供付款方式，希望通过将交易请求转交给充当交易启动器的第三方，向商家支付定位，验证和影响资产转移的手段。这项任务是在不泄露关于交易者的机密信息的情况下执行的，同时将某些风险后果的责任分配给最低成本风险承担者：银行。在进行金融交易之前或获得限制性信息之前，绿名单会核实身份。绿色名单可以被风险承担者完全信任。风险责任可以转移到注册管理机构所含信息的注册服务商。该负债转移大大降低了承担风险的承担人的成本。负责证明某人或某些声称是授权方的实体不是冒名顶替者的银行或第三方现在可以为各种交易以大大降低的成本提供新的服务水平。

4. 发明申请

WO2004078710A3 AN ENHANCED SYSTEM FOR ELECTRONIC FUNDS TRANSFER AND ELIMINATION OF THE PAYEE'S NEED FOR ENCRYPTION AND PRIVACY 审中-公开
标题翻译：电子基金的加强系统转移和消除了PAYEE需要加密和隐私
公开(公告)号：WO2004078710A3
公开(公告)日：2005-10-06
申请号：PCT/US2004005712
申请日：2004-02-27
申请人： PAYMENT PATHWAYS INC , MODIGLIANI FRANCO , O'BRIEN RICHARD JAMES , VITAGLIANO FRANCIS M
发明人： MODIGLIANI FRANCO , O'BRIEN RICHARD JAMES , VITAGLIANO FRANCIS M
IPC分类号： C07D20060101 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q40/00 , G06F17/60
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/108 , G06Q40/00
摘要： The present invention relates to a central (root) directory and/or network of directories to linked credit accounts. Each linked credit account accepts, or is responsive to incoming payments or credits (40), without the need for access numbers, account numbers, routing numbers, or the like (30). The payment/deposit account may be set up as a deposit only account (e.g., it cannot pay out or be debited in the traditional sense). In this way, it can be effective in eliminating many of the security requirements of a traditional financial account.
摘要翻译：本发明涉及到链接信用账户的中央（根）目录和/或目录网络。每个链接的信用账户接受或响应于收到的付款或信用（40），而不需要访问号码，帐号，路由号码等（30）。付款/存款账户可以设置为仅存款帐户（例如，它不能在传统意义上支付或借记）。这样可以有效地消除传统金融账户的许多安全要求。

5. 发明申请

WO2007056274A2 METHODS AND SYSTEMS FOR IDENTITY AUTHENTICATION 审中-公开
标题翻译：身份认证的方法和系统
公开(公告)号：WO2007056274A2
公开(公告)日：2007-05-18
申请号：PCT/US2006/043173
申请日：2006-11-03
申请人： PAYMENT PATHWAYS, INC. , O'BRIEN, Richard, J. , GALLANT, Andrew, M. , CONDON, John, J. , FIRFER, Jordan, S. , BUETTNER, Lawrence, F.
发明人： O'BRIEN, Richard, J. , GALLANT, Andrew, M. , CONDON, John, J. , FIRFER, Jordan, S. , BUETTNER, Lawrence, F.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4014 , G06Q20/40
摘要： The Greenlist tool provides payors desiring to pay a merchant a means to locate, validate and effect the transfer of assets to another party by routing transaction requests to a third party that functions as the transaction enabler. This task is performed without divulging confidential information about transactors while assigning liability for certain risk consequences to the lowest cost risk bearers: banks. Greenlist verifies identities before making financial transactions or before obtaining access to restricted information. The Greenlist can be completely trusted by risk-bearers. Liability for risk can be transferred to the registrars of the information contained within the registry. This liability transfer substantially reduces the payor's cost of bearing risks. Banks or third parties responsible for certifying that someone or some entity claiming to be an authorized party is not an impostor can now offer new levels of service at a substantially lower cost for a variety of transactions.
摘要翻译： “绿名单”工具为付款人提供付款方式，希望通过将交易请求转交给充当交易启动器的第三方，向商家支付定位，验证和影响资产转移的手段。这项任务是在不泄露关于交易者的机密信息的情况下执行的，同时将某些风险后果的责任分配给最低成本风险承担者：银行。在进行金融交易之前或获得限制性信息之前，绿名单会核实身份。绿色名单可以被风险承担者完全信任。风险责任可以转移到注册管理机构所含信息的注册服务商。该负债转移大大降低了承担风险的承担人的成本。负责证明某人或某些声称是授权方的实体不是冒名顶替者的银行或第三方现在可以为各种交易以大大降低的成本提供新的服务水平。

6. 发明申请

WO2004078710A2 AN ENHANCED SYSTEM FOR ELECTRONIC FUNDS TRANSFER AND ELIMINATION OF THE PAYEE’S NEED FOR ENCRYPTION AND PRIVACY 审中-公开
标题翻译：电子基金的加强系统转移和消除了PAYEE需要加密和隐私
公开(公告)号：WO2004078710A2
公开(公告)日：2004-09-16
申请号：PCT/US2004/005712
申请日：2004-02-27
申请人： PAYMENT PATHWAYS, INC. , MODIGLIANI, Franco , O'BRIEN, Richard, James , VITAGLIANO, Francis, M.
发明人： MODIGLIANI, Franco , O'BRIEN, Richard, James , VITAGLIANO, Francis, M.
IPC分类号： C07D
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/108 , G06Q40/00
摘要： The present invention relates to a central (root) directory and/or network of directories to linked credit accounts. Each linked credit account accepts, or is responsive to incoming payments or credits, without the need for access numbers, account numbers, routing numbers, or the like. The payment/deposit account may be set up as a deposit only account (e.g., it cannot pay out or be debited in the traditional sense). In this way, it can be effective in eliminating many of the security requirements of a traditional financial account.
摘要翻译：本发明涉及到链接信用账户的中央（根）目录和/或目录网络。每个链接的信用账户接受或响应于收到的付款或信用，而不需要访问号码，帐号，路由号码等。付款/存款账户可以设置为仅存款帐户（例如，它不能在传统意义上支付或借记）。这样可以有效地消除传统金融账户的许多安全要求。

7. 发明申请

WO2014152576A2 SYSTEMS AND METHODS FOR EXTENDING IDENTITY ATTRIBUTES AND AUTHENTICATION FACTORS IN AN EPAYMENT ADDRESS REGISTRY 审中-公开
标题翻译：扩展地籍登记的身份属性和认证因素的系统和方法
公开(公告)号：WO2014152576A2
公开(公告)日：2014-09-25
申请号：PCT/US2014/027492
申请日：2014-03-14
申请人： PAYMENT PATHWAYS, INC.
发明人： O'BRIEN, Richard, J. , GALLANT, Andrew
IPC分类号： G06Q20/40
CPC分类号： G06Q20/12 , G06Q20/40
摘要： The present invention relates to a network of registries that are: synchronized in whole or in part to a root registry; and are compilations of registrant data from accredited Identity Providers that accept liability for registering verified and accurate identity attributes. Registries associate a unique identifier with: a financial account owner's Personally Identifying Information; one or more linked publicly discoverable ePayment addresses to an account at a Financial Institution; and a financial account owner's profile of preferences related to the capture, handling, transfer and storage of monetary and informational assets. Preferences extensions include: operating instructions and rule sets; and authentication factors that may make use of time sensitive data at one or more institutions.
摘要翻译：本发明涉及一种注册管理网络，其全部或部分同步到根注册表; 并且是来自认证的身份提供商的注册人数据的汇编，其接受验证和准确身份属性的注册责任。注册管理机构将唯一标识符与：财务帐户所有者的个人识别信息相关联; 一个或多个链接公开发现的ePayment地址到金融机构的帐户; 以及财务账户所有者与货币和信息资产的捕获，处理，转移和存储相关的偏好。首选项扩展包括：操作说明和规则集; 以及可能在一个或多个机构使用时间敏感数据的认证因素。

8. 发明公开

EP1604314A2 AN ENHANCED SYSTEM FOR ELECTRONIC FUNDS TRANSFER AND ELIMINATION OF THE PAYEE’S NEED FOR ENCRYPTION AND PRIVACY 审中-公开
标题翻译：提高了系统的电子货币转移，而不需要进行加密和数据保护为受益人
公开(公告)号：EP1604314A2
公开(公告)日：2005-12-14
申请号：EP04715628.6
申请日：2004-02-27
申请人： Payment Pathways, Inc.
发明人： MODIGLIANI, Franco , O'BRIEN, Richard, James , VITAGLIANO, Francis, M.
IPC分类号： G06F17/60
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/108 , G06Q40/00
摘要： The present invention relates to a central (root) directory and/or network of directories to linked credit accounts. Each linked credit account accepts, or is responsive to incoming payments or credits (40), without the need for access numbers, account numbers, routing numbers, or the like (30). The payment/deposit account may be set up as a deposit only account (e.g., it cannot pay out or be debited in the traditional sense). In this way, it can be effective in eliminating many of the security requirements of a traditional financial account.

9. 发明授权

US07831490B2 Enhanced system for electronic funds transfer and elimination of the payee's need for encryption and privacy 有权
标题翻译：加强电子资金转移系统，消除收款人对加密和隐私的需要
公开(公告)号：US07831490B2
公开(公告)日：2010-11-09
申请号：US10786023
申请日：2004-02-26
申请人： Franco Modigliani , Serena Modigliani, legal representative , Richard James O'Brien , Francis M. Vitagliano
发明人： Franco Modigliani , Richard James O'Brien , Francis M. Vitagliano
IPC分类号： G06Q40/10
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/108 , G06Q40/00
摘要： The present invention relates to a central (root) directory and/or network of directories to linked credit accounts. Each linked credit account accepts, or is responsive to incoming payments or credits, without the need for access numbers, account numbers, routing numbers, or the like. The payment/deposit account may be set up as a deposit only account (e.g., it cannot pay out or be debited in the traditional sense). In this way, it can be effective in eliminating many of the security requirements of a traditional financial account.
摘要翻译：本发明涉及到链接信用账户的中央（根）目录和/或目录网络。每个链接的信用账户接受或响应于收到的付款或信用，而不需要访问号码，帐号，路由号码等。付款/存款账户可以设置为仅存款帐户（例如，它不能在传统意义上支付或借记）。这样可以有效地消除传统金融账户的许多安全要求。

10. 发明申请

US20070106612A1 Methods and systems for identity authentication 有权
标题翻译：用于身份认证的方法和系统
公开(公告)号：US20070106612A1
公开(公告)日：2007-05-10
申请号：US11592510
申请日：2006-11-03
申请人： Richard O'Brien , Andrew Gallant , John Condon , Jordan Firfer , Lawrence Buettner
发明人： Richard O'Brien , Andrew Gallant , John Condon , Jordan Firfer , Lawrence Buettner
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/10 , G06Q20/40
摘要： The Greenlist tool provides payors desiring to pay a merchant a means to locate, validate and effect the transfer of assets to another party by routing transaction requests to a third party that functions as the transaction enabler. This task is performed without divulging confidential information about transactors while assigning liability for certain risk consequences to the lowest cost risk bearers: banks. Greenlist verifies identities before making financial transactions or before obtaining access to restricted information. The Greenlist can be completely trusted by risk-bearers. Liability for risk can be transferred to the registrars of the information contained within the registry. This liability transfer substantially reduces the payor's cost of bearing risks. Banks or third parties responsible for certifying that someone or some entity claiming to be an authorized party is not an impostor can now offer new levels of service at a substantially lower cost for a variety of transactions.
摘要翻译： “绿名单”工具为付款人提供付款方式，希望通过将交易请求转交给充当交易启动器的第三方，向商家支付定位，验证和影响资产转移的手段。这项任务是在不泄露关于交易者的机密信息的情况下执行的，同时将某些风险后果的责任分配给最低成本风险承担者：银行。在进行金融交易之前或获得限制性信息之前，绿名单会核实身份。绿色名单可以被风险承担者完全信任。风险责任可以转移到注册管理机构所含信息的注册服务商。该负债转移大大降低了承担风险的承担人的成本。负责证明某人或某些声称是授权方的实体不是冒名顶替者的银行或第三方现在可以为各种交易以大大降低的成本提供新的服务水平。

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