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1. 发明申请

US20170278096A1 ADAPTABLE AUTHENTICATION PROCESSING 审中-公开
公开(公告)号：US20170278096A1
公开(公告)日：2017-09-28
申请号：US15466815
申请日：2017-03-22
申请人： Jalpesh Chitalia , Thomas Purves , Ansar Ansari , Vishwanath Shastry , Otto Williams , Kevin Carvalho , Madhuri Chandoor , Amit Gupta , Manoj Kannembath
发明人： Jalpesh Chitalia , Thomas Purves , Ansar Ansari , Vishwanath Shastry , Otto Williams , Kevin Carvalho , Madhuri Chandoor , Amit Gupta , Manoj Kannembath
IPC分类号： G06Q20/36 , G06Q20/20
CPC分类号： G06Q20/36 , G06Q20/20 , G06Q20/3674 , G06Q20/40145
摘要： Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.

2. 发明申请

US20160036790A1 SYSTEM AND METHOD FOR IDENTITY VERIFICATION ACROSS MOBILE APPLICATIONS 审中-公开
标题翻译：用于移动应用的身份验证的系统和方法
公开(公告)号：US20160036790A1
公开(公告)日：2016-02-04
申请号：US14813997
申请日：2015-07-30
申请人： Vishwanath Shastry , Shalini Mayor
发明人： Vishwanath Shastry , Shalini Mayor
IPC分类号： H04L29/06
CPC分类号： H04L63/0435 , G06Q20/102 , G06Q20/32 , G06Q20/322 , G06Q20/36 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/4014 , H04L63/068 , H04L63/0815 , H04L63/0876 , H04W12/0027 , H04W12/04 , H04W12/06
摘要： Embodiments are directed to methods, apparatuses, computer readable media and systems for authenticating a user on a user device across multiple mobile applications. The identity of the user is validated by encoding and subsequently validating cryptographically encrypted data in a shared data store accessible by the mobile applications tied to the same entity. Specifically, the application leverages the authentication process of a trusted mobile application (e.g. a banking mobile application) to authenticate the same user on a untrusted mobile application (e.g. a merchant mobile application).
摘要翻译：实施例涉及用于跨多个移动应用在用户设备上认证用户的方法，设备，计算机可读介质和系统。用户的身份通过编码并随后验证由绑定到同一实体的移动应用可访问的共享数据存储中的密码加密数据来验证。具体来说，该应用利用可信任的移动应用（例如，银行移动应用）的认证过程来在不可信任的移动应用（例如，商家移动应用）上认证相同的用户。

3. 发明授权

US08719154B2 Reputation integration into remittance delivery 有权
标题翻译：声誉融入汇款交付
公开(公告)号：US08719154B2
公开(公告)日：2014-05-06
申请号：US11642030
申请日：2006-12-19
申请人： Vishwanath Shastry , Kristen Ondeck , David Jesse
发明人： Vishwanath Shastry , Kristen Ondeck , David Jesse
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q30/0283
摘要： One embodiment provides a method of delivering a remittance from a first party to a third party via an intermediary party, in which an intermediary fee is chargeable by the intermediary party. The method includes: receiving, at a payment system, a request to conduct a remittance transaction including a transfer of a first value from a first party to an account of an intermediary party, and by the intermediary party to transfer at least a portion of the first value to a third party; accessing reputation data associated with the intermediary party; and determining an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party, the determining of the intermediary fee being based on the reputation data. The reputation data can be information about the intermediary party, as well as the first party and/or the third party.
摘要翻译：一个实施例提供了一种通过中介方从第一方向第三方递送汇款的方法，其中中介费用由中介方收费。该方法包括：在支付系统处接收进行汇款交易的请求，包括将第一价值从第一方转移到中介方的账户，并由中介方转移至少一部分对第三方的第一个价值; 访问与中介方有关的信誉数据; 以及确定由中介方向第三方转让至少部分第一价值的中介费用，中介费用的确定是基于信誉数据。声誉数据可以是关于中间方以及第一方和/或第三方的信息。

4. 发明申请

US20130179335A1 ALIAS MANAGEMENT AND VALUE TRANSFER CLAIM PROCESSING 审中-公开
标题翻译： ALIAS管理和价值转移索赔处理
公开(公告)号：US20130179335A1
公开(公告)日：2013-07-11
申请号：US13681220
申请日：2012-11-19
申请人： Thanigaivel Ashwin Raj , Jacob Saul Fuentes , John Tullis , Vishwanath Shastry
发明人： Thanigaivel Ashwin Raj , Jacob Saul Fuentes , John Tullis , Vishwanath Shastry
IPC分类号： G06Q20/10
摘要： An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.
摘要翻译：公开了一种别名管理和价值转让理赔处理系统。发送实体发起使用未与系统未注册的别名标识接收方实体的值传输。价值转让是授权的，但直到接收方实体向系统注册并声明价值转移为止。注册的别名可用于后续值转移。

5. 发明授权

US08504450B2 Mobile remittances/payments 有权
标题翻译：移动汇款/付款
公开(公告)号：US08504450B2
公开(公告)日：2013-08-06
申请号：US11848745
申请日：2007-08-31
申请人： Vishwanath Shastry
发明人： Vishwanath Shastry
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/227 , G06Q20/32 , G06Q20/3223 , G06Q30/06 , G06Q40/02
摘要： A method and a system for mobile remittance and/or payment are provided. Example embodiments may include receiving a request, at a financial entity and from a first party, to remit an amount from an account, associated with the first party to a mobile account associated with a phone number of a second party; notifying the second party of the amount to be remitted and an identity of the first party; receiving a personal identification component from the second party; accessing the mobile account based on the personal identification component; and depositing the amount into the mobile account. A request may be received from the second party to transfer a portion of the amount to a third party.
摘要翻译：提供了用于移动汇款和/或支付的方法和系统。示例性实施例可以包括在金融实体和第一方接收从与第一方相关联的帐户的金额到与第二方的电话号码相关联的移动账户的请求; 通知第二方要汇出的金额和第一方的身份; 从第二方接收个人识别组件; 基于个人识别组件访问移动帐户; 并将金额存入移动账户。可以从第二方接收请求以将一部分金额转移给第三方。

6. 发明申请

US20130159081A1 BIDIRECTIONAL BANDWIDTH REDUCING NOTIFICATIONS AND TARGETED INCENTIVE PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：双向减少通知和目标激励平台设备，方法和系统
公开(公告)号：US20130159081A1
公开(公告)日：2013-06-20
申请号：US13543825
申请日：2012-07-07
申请人： Vishwanath Shastry , Marc Blum , Thomas Purves , Ayman Hammad
发明人： Vishwanath Shastry , Marc Blum , Thomas Purves , Ayman Hammad
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0274 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/363
摘要： The BIDIRECTIONAL BANDWIDTH REDUCING NOTIFICATIONS AND TARGETED INCENTIVE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“Ad-Track”) transform consumer activity data via Ad-Track components into ad revenue sharing payment transactions. In one implementation, a method of improving network data transmission efficiency and reducing network bandwidth usage is disclosed, comprising: instantiating a remote tracking component on a user device; receiving a consumer trigger event with regard to a product via the remote tracking component; determining a related merchant based on the trigger event, the merchant providing the product; and providing an advertisement component advertising the merchant via the remote tracking component to the consumer.
摘要翻译：双向减免通知和目标激励平台设备，方法和系统（“Ad-Track”）通过Ad-Track组件将消费者活动数据转换为广告收入共享支付交易。在一个实现中，公开了一种提高网络数据传输效率和减少网络带宽使用的方法，包括：在用户设备上实例化远程跟踪组件; 通过远程跟踪组件接收关于产品的消费者触发事件; 基于所述触发事件确定相关商家，所述商家提供所述产品; 以及通过所述远程跟踪组件向所述消费者提供向所述商户广告的广告组件。

7. 发明授权

US08336088B2 Alias management and value transfer claim processing 有权
标题翻译：别名管理和价值转移索赔处理
公开(公告)号：US08336088B2
公开(公告)日：2012-12-18
申请号：US13034449
申请日：2011-02-24
申请人： Thanigaivel Ashwin Raj , Jacob Saul Fuentes , John Tullis , Vishwanath Shastry
发明人： Thanigaivel Ashwin Raj , Jacob Saul Fuentes , John Tullis , Vishwanath Shastry
IPC分类号： G06F7/04
CPC分类号： G06Q20/10 , G06Q40/00
摘要： An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.
摘要翻译：公开了一种别名管理和价值转让理赔处理系统。发送实体发起使用未与系统未注册的别名标识接收方实体的值传输。价值转让是授权的，但直到接收方实体向系统注册并声明价值转移为止。注册的别名可用于后续值转移。

8. 发明申请

US20110282780A1 METHOD AND SYSTEM FOR DETERMINING FEES AND FOREIGN EXCHANGE RATES FOR A VALUE TRANSFER TRANSACTION 审中-公开
标题翻译：用于确定价值转移交易费用和外汇交易率的方法和系统
公开(公告)号：US20110282780A1
公开(公告)日：2011-11-17
申请号：US13089231
申请日：2011-04-18
申请人： Susan French , Mark Carlson , Alesia Panagiotides , Justin Chace , Kate Kennedy , Ashwin Raj , John Tullis , Vishwanath Shastry
发明人： Susan French , Mark Carlson , Alesia Panagiotides , Justin Chace , Kate Kennedy , Ashwin Raj , John Tullis , Vishwanath Shastry
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/381 , G06Q40/00
摘要： A method for a value transfer operation includes determining a sender currency using the account information of the sender and a receiver currency using the BIN associated with the sender account. The method further includes determining a currency exchange rate, transaction fee, and currency markup fee based on the sender and receiver currencies and various attributes of the sender account and the receiver account.
摘要翻译：价值转移操作的方法包括使用与发送者帐户相关联的BIN，使用发送者的帐户信息和接收货币来确定发送方货币。该方法还包括基于发送者和接收者货币以及发送者帐户和接收者帐户的各种属性来确定货币兑换率，交易费用和货币标记费用。

9. 发明申请

US20090164374A1 System and Methods for One Time Check Numbers 审中-公开
标题翻译：系统和方法一次性检查数字
公开(公告)号：US20090164374A1
公开(公告)日：2009-06-25
申请号：US11963606
申请日：2007-12-21
申请人： Vishwanath Shastry
发明人： Vishwanath Shastry
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/04 , G06Q20/042 , G06Q20/385 , G06Q20/40 , G06Q20/405 , G06Q30/06
摘要： Various embodiments are directed to third-party payment services including the ability to arrange and pay for goods or services with a printed paper check using facilities hosted by the third-party payment service. In one embodiment, a third-party payment services system may be arranged to provide access to a third-party payment account linked to a source of funds for the third-party payment account. The third-party payment services system may receive a request to transfer funds from the third-party payment account to a recipient using a printed check and may receive a use limitation for the check. A unique number to be printed on the check may be derived and associated with the third-party payment account. A payment request for the check may be verified using the unique number when use limitations for the check have been observed. Other embodiments are described and claimed.
摘要翻译：各种实施例涉及第三方支付服务，包括使用由第三方支付服务所托管的设施的打印纸支票来安排和支付商品或服务的能力。在一个实施例中，可以安排第三方支付服务系统来提供对与第三方支付帐户的资金来源链接的第三方支付帐户的访问。第三方支付服务系统可以接收使用打印支票将资金从第三方支付账户转移到接收方的请求，并且可以接收支票的使用限制。可以导出在支票上打印的唯一号码，并与第三方支付帐户相关联。当检查的使用限制被观察到时，可以使用唯一的号码来验证支票的支付请求。描述和要求保护其他实施例。

10. 发明申请

US20080082415A1 LISTING GENERATION AND ADVERTISING MANAGEMENT UTILIZING CATALOG INFORMATION 审中-公开
标题翻译：使用目录信息的上市生成和广告管理
公开(公告)号：US20080082415A1
公开(公告)日：2008-04-03
申请号：US11614892
申请日：2006-12-21
申请人： Vishwanath Shastry
发明人： Vishwanath Shastry
IPC分类号： G06Q30/00
CPC分类号： G06Q30/02 , G06Q30/0241 , G06Q30/0244 , G06Q30/0256 , G06Q30/0275 , G06Q30/0277
摘要： This document describes, among other things, systems and methods for generating advertising campaigns or listings utilizing catalog information. A method comprises receiving, by an online publication system, a product catalog; accessing, by the online publication system, a merchant profile; using the product catalog and the merchant profile to develop an advertising campaign; and implementing the advertising campaign.
摘要翻译：本文档描述了使用目录信息生成广告活动或列表的系统和方法。一种方法包括通过在线出版系统接收产品目录; 通过在线出版系统访问商家简档; 使用产品目录和商家资料开发广告活动; 并实施广告活动。

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