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1. 发明申请

US20110087597A1 FUNDING ON-LINE ACCOUNTS 审中-公开
标题翻译：资金在线账户
公开(公告)号：US20110087597A1
公开(公告)日：2011-04-14
申请号：US12969349
申请日：2010-12-15
申请人： Gak Wee Low , Tejas Arvindbhai Kotecha , Salil Mody
发明人： Gak Wee Low , Tejas Arvindbhai Kotecha , Salil Mody
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/105 , G06Q20/108 , G06Q20/206 , G06Q20/367 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： A system generates an identifier when a consumer deposits cash, where a new unique identifier is generated with each transaction. The consumer receives the identifier and the identifier (along with the amount of cash deposit) is communicated to a payment provider for storage. The consumer may then access and fund an on-line account with the financial services provider by first accessing the account and entering the unique character identifier, which the system processes. If the identifier is valid, e.g., an actual stored identifier within the system associated with a cash amount, then the system transfers that amount to the consumer's account. At this point, the consumer may use the account to make an on-line transaction or purchase with the newly funded amount.
摘要翻译：当消费者存放现金时，系统生成标识符，其中每个交易都生成新的唯一标识符。消费者接收标识符，并将标识符（以及现金存款金额）传送给支付提供商进行存储。消费者然后可以通过首先访问帐户并输入系统处理的唯一字符标识符来访问和向金融服务提供商提供在线帐户。如果标识符有效，例如系统中与现金金额相关联的实际存储的标识符，则系统将该金额转移给消费者的账户。在这一点上，消费者可以使用该账户进行在线交易或购买新资金。

2. 发明申请

US20100076890A1 GUI-BASED WALLET PROGRAM FOR ONLINE TRANSACTIONS 有权
标题翻译：基于GUI的电子钱包程序，用于在线交易
公开(公告)号：US20100076890A1
公开(公告)日：2010-03-25
申请号：US12237060
申请日：2008-09-24
申请人： Gak Wee Low , Salil Mody
发明人： Gak Wee Low , Salil Mody
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0226 , G06F3/0482 , G06F3/04842 , G06Q20/10 , G06Q20/227 , G06Q20/3224 , G06Q20/36 , G06Q20/363 , G06Q20/382 , G06Q20/40 , G06Q30/00 , G06Q30/02 , G06Q30/0222
摘要： Provided is a method and a GUI-based software application that acts as a wallet with network interconnectivity for enabling a user to securely and seamlessly conduct transactions with his or her online financial transaction program by means of a computer or a wireless handheld device without having to depend on an Internet browser.
摘要翻译：提供了一种方法和基于GUI的软件应用程序，其作为具有网络互连性的钱包，以使用户能够通过计算机或无线手持设备安全地和无缝地与他或她的在线金融交易程序进行交易，而不必取决于互联网浏览器。

3. 发明授权

US09639852B2 GUI-based wallet program for online transactions 有权
公开(公告)号：US09639852B2
公开(公告)日：2017-05-02
申请号：US12237060
申请日：2008-09-24
申请人： Gak Wee Low , Salil Mody
发明人： Gak Wee Low , Salil Mody
IPC分类号： G06Q30/02 , G06Q20/10 , G06Q20/40 , G06Q30/00 , G06F3/0482 , G06Q20/36 , G06Q20/38 , G06Q20/32 , G06F3/0484 , G06Q20/22
CPC分类号： G06Q30/0226 , G06F3/0482 , G06F3/04842 , G06Q20/10 , G06Q20/227 , G06Q20/3224 , G06Q20/36 , G06Q20/363 , G06Q20/382 , G06Q20/40 , G06Q30/00 , G06Q30/02 , G06Q30/0222
摘要： Provided is a method and a GUI-based software application that acts as a wallet with network interconnectivity for enabling a user to securely and seamlessly conduct transactions with his or her online financial transaction program by means of a computer or a wireless handheld device without having to depend on an Internet browser.

4. 发明申请

US20120240150A1 Payment Authentication and Authorization Non-Web Devices 有权
标题翻译：付款认证和授权非Web设备
公开(公告)号：US20120240150A1
公开(公告)日：2012-09-20
申请号：US13420685
申请日：2012-03-15
申请人： Gak Wee Low , Mark Wenger , Prashant Jamkhedkar
发明人： Gak Wee Low , Mark Wenger , Prashant Jamkhedkar
IPC分类号： G06Q30/06 , H04N21/458
CPC分类号： H04N21/47815 , G06Q20/02 , G06Q20/12 , G06Q20/40 , G06Q30/06 , H04N21/2396 , H04N21/25 , H04N21/25816 , H04N21/25875 , H04N21/42206
摘要： The present disclosure involves a method of conducting a transaction. In one aspect, the method includes: displaying a media program on a media display device; indicating, while the media program is being displayed, an item associated with the media program is available for purchase; receiving authentication information of a prospective purchaser of the item; and completing a purchase of the item in response to the authentication information. In another aspect, the method includes: receiving, from a media display device, a user authentication request that contains user login credentials; granting the user authentication request in response to the user login credentials; and sending an authentication permission to the media display device; wherein the receiving and the sending are each performed such that the user login credentials and the authentication permission are sent through one or more intermediate hops without being inspected by any of the intermediate hops.
摘要翻译：本公开涉及进行交易的方法。一方面，该方法包括：在媒体显示装置上显示媒体节目; 指示当媒体节目正在显示时，与媒体节目相关联的项目可供购买; 接收该项目的潜在购买者的认证信息; 以及响应于所述认证信息来完成所述项目的购买。另一方面，该方法包括：从媒体显示设备接收包含用户登录凭证的用户认证请求; 响应于用户登录凭证授予用户认证请求; 并向媒体显示设备发送认证许可; 其中接收和发送各自被执行，使得用户登录凭证和认证许可通过一个或多个中间跳发送，而不被任何中间跳检查。

5. 发明申请

US20100280944A1 PAPERLESS CHECKING TRANSACTIONS 审中-公开
标题翻译：无纸检查交易
公开(公告)号：US20100280944A1
公开(公告)日：2010-11-04
申请号：US12433800
申请日：2009-04-30
申请人： Gak Wee Low , Lu Hua , Tejas Arvindbhai Kotecha , Nitin Kulshrestha
发明人： Gak Wee Low , Lu Hua , Tejas Arvindbhai Kotecha , Nitin Kulshrestha
IPC分类号： G06Q40/00
CPC分类号： G06Q20/14 , G06Q20/102 , G06Q40/02
摘要： According to one embodiment, a user logs into a bank account and access a bill payment service through the bank. The user enters a recipient's email address and an amount to be transferred from the user's account to the recipient. The bill payment service transfers the amount to a payment provider, who then transfers the amount to the recipient if the recipient has an account with the payment provider. As a result, recipients who are not part of a bill payment service can quickly receive payments, and users can make quickly and easily payments to recipients who are not part of a bill payment service by simply entering an email address and payment amount.
摘要翻译：根据一个实施例，用户登录银行账户并通过银行访问账单支付服务。用户输入收件人的电子邮件地址以及从用户帐户转移给收件人的金额。帐单支付服务将金额转移给支付提供商，然后，如果收款人具有与支付提供商的帐户，则付款提供商然后将该金额转移给收件人。因此，不是帐单支付服务的收件人可以快速收到付款，用户可以通过简单地输入电子邮件地址和付款金额快速轻松地向不是帐单支付服务一部分的收件人付款。

6. 发明授权

US09009746B2 Secure transaction through a television 有权
标题翻译：通过电视安全交易
公开(公告)号：US09009746B2
公开(公告)日：2015-04-14
申请号：US13420654
申请日：2012-03-15
申请人： Gak Wee Low , Mark Wenger , Prashant Jamkhedkar
发明人： Gak Wee Low , Mark Wenger , Prashant Jamkhedkar
IPC分类号： H04N7/16 , H04N7/167 , G06Q20/02 , H04N21/258 , H04N21/25 , G06Q20/40 , G06Q20/12 , G06Q30/06
CPC分类号： H04N21/47815 , G06Q20/02 , G06Q20/12 , G06Q20/40 , G06Q30/06 , H04N21/2396 , H04N21/25 , H04N21/25816 , H04N21/25875 , H04N21/42206
摘要： The present disclosure involves a method of conducting a transaction. In one aspect, the method includes: displaying a media program on a media display device; indicating, while the media program is being displayed, an item associated with the media program is available for purchase; receiving authentication information of a prospective purchaser of the item; and completing a purchase of the item in response to the authentication information. In another aspect, the method includes: receiving, from a media display device, a user authentication request that contains user login credentials; granting the user authentication request in response to the user login credentials; and sending an authentication permission to the media display device; wherein the receiving and the sending are each performed such that the user login credentials and the authentication permission are sent through one or more intermediate hops without being inspected by any of the intermediate hops.
摘要翻译：本公开涉及进行交易的方法。一方面，该方法包括：在媒体显示装置上显示媒体节目; 指示当媒体节目正在显示时，与媒体节目相关联的项目可供购买; 接收该项目的潜在购买者的认证信息; 以及响应于所述认证信息来完成所述项目的购买。另一方面，该方法包括：从媒体显示设备接收包含用户登录凭证的用户认证请求; 响应于用户登录凭证授予用户认证请求; 并向媒体显示设备发送认证许可; 其中接收和发送各自被执行，使得用户登录凭证和认证许可通过一个或多个中间跳发送，而不被任何中间跳检查。

7. 发明申请

US20120240138A1 Secure Transaction Through a Television 有权
标题翻译：通过电视安全交易
公开(公告)号：US20120240138A1
公开(公告)日：2012-09-20
申请号：US13420654
申请日：2012-03-15
申请人： Gak Wee Low , Mark Wenger , Prashant Jamkhedkar
发明人： Gak Wee Low , Mark Wenger , Prashant Jamkhedkar
IPC分类号： H04N21/2543 , H04N21/80 , H04N21/2347 , H04N21/25
CPC分类号： H04N21/47815 , G06Q20/02 , G06Q20/12 , G06Q20/40 , G06Q30/06 , H04N21/2396 , H04N21/25 , H04N21/25816 , H04N21/25875 , H04N21/42206
摘要： The present disclosure involves a method of conducting a transaction. In one aspect, the method includes: displaying a media program on a media display device; indicating, while the media program is being displayed, an item associated with the media program is available for purchase; receiving authentication information of a prospective purchaser of the item; and completing a purchase of the item in response to the authentication information. In another aspect, the method includes: receiving, from a media display device, a user authentication request that contains user login credentials; granting the user authentication request in response to the user login credentials; and sending an authentication permission to the media display device; wherein the receiving and the sending are each performed such that the user login credentials and the authentication permission are sent through one or more intermediate hops without being inspected by any of the intermediate hops.
摘要翻译：本公开涉及进行交易的方法。一方面，该方法包括：在媒体显示装置上显示媒体节目; 指示当媒体节目正在显示时，与媒体节目相关联的项目可供购买; 接收该项目的潜在购买者的认证信息; 以及响应于所述认证信息来完成所述项目的购买。另一方面，该方法包括：从媒体显示设备接收包含用户登录凭证的用户认证请求; 响应于用户登录凭证授予用户认证请求; 并向媒体显示设备发送认证许可; 其中接收和发送各自被执行，使得用户登录凭证和认证许可通过一个或多个中间跳发送，而不被任何中间跳检查。

8. 发明申请

US20120239529A1 Single Digital Wallet Across Multiple Payment Platforms 有权
标题翻译：单个数字电子钱包跨多个付款平台
公开(公告)号：US20120239529A1
公开(公告)日：2012-09-20
申请号：US13420663
申请日：2012-03-15
申请人： Gak Wee Low , Mark Wenger , Prashant Jamkhedkar
发明人： Gak Wee Low , Mark Wenger , Prashant Jamkhedkar
IPC分类号： G06Q20/02 , G06Q20/40
CPC分类号： H04N21/47815 , G06Q20/02 , G06Q20/12 , G06Q20/40 , G06Q30/06 , H04N21/2396 , H04N21/25 , H04N21/25816 , H04N21/25875 , H04N21/42206
摘要： The present disclosure involves a method of conducting a transaction. In one aspect, the method includes: displaying a media program on a media display device; indicating, while the media program is being displayed, an item associated with the media program is available for purchase; receiving authentication information of a prospective purchaser of the item; and completing a purchase of the item in response to the authentication information. In another aspect, the method includes: receiving, from a media display device, a user authentication request that contains user login credentials; granting the user authentication request in response to the user login credentials; and sending an authentication permission to the media display device; wherein the receiving and the sending are each performed such that the user login credentials and the authentication permission are sent through one or more intermediate hops without being inspected by any of the intermediate hops.
摘要翻译：本公开涉及进行交易的方法。一方面，该方法包括：在媒体显示装置上显示媒体节目; 指示当媒体节目正在显示时，与媒体节目相关联的项目可供购买; 接收该项目的潜在购买者的认证信息; 以及响应于所述认证信息来完成所述项目的购买。另一方面，该方法包括：从媒体显示设备接收包含用户登录凭证的用户认证请求; 响应于用户登录凭证授予用户认证请求; 并向媒体显示设备发送认证许可; 其中接收和发送各自被执行，使得用户登录凭证和认证许可通过一个或多个中间跳发送，而不被任何中间跳检查。

9. 发明授权

US08997139B2 Payment authentication and authorization non-web devices 有权
标题翻译：付款认证和非授权非Web设备
公开(公告)号：US08997139B2
公开(公告)日：2015-03-31
申请号：US13420685
申请日：2012-03-15
申请人： Gak Wee Low , Mark Wenger , Prashant Jamkhedkar
发明人： Gak Wee Low , Mark Wenger , Prashant Jamkhedkar
IPC分类号： H04N7/10 , G06Q30/00 , G06Q20/02 , G06Q20/40 , G06Q20/12 , G06Q30/06
CPC分类号： H04N21/47815 , G06Q20/02 , G06Q20/12 , G06Q20/40 , G06Q30/06 , H04N21/2396 , H04N21/25 , H04N21/25816 , H04N21/25875 , H04N21/42206
摘要： The present disclosure involves a method of conducting a transaction. In one aspect, the method includes: displaying a media program on a media display device; indicating, while the media program is being displayed, an item associated with the media program is available for purchase; receiving authentication information of a prospective purchaser of the item; and completing a purchase of the item in response to the authentication information. In another aspect, the method includes: receiving, from a media display device, a user authentication request that contains user login credentials; granting the user authentication request in response to the user login credentials; and sending an authentication permission to the media display device; wherein the receiving and the sending are each performed such that the user login credentials and the authentication permission are sent through one or more intermediate hops without being inspected by any of the intermediate hops.
摘要翻译：本公开涉及进行交易的方法。一方面，该方法包括：在媒体显示装置上显示媒体节目; 指示当媒体节目正在显示时，与媒体节目相关联的项目可供购买; 接收该项目的潜在购买者的认证信息; 以及响应于所述认证信息来完成所述项目的购买。另一方面，该方法包括：从媒体显示设备接收包含用户登录凭证的用户认证请求; 响应于用户登录凭证授予用户认证请求; 并向媒体显示设备发送认证许可; 其中接收和发送各自被执行，使得用户登录凭证和认证许可通过一个或多个中间跳发送，而不被任何中间跳检查。

10. 发明申请

US20140032413A1 ELECTRONIC PAYMENTS TO NON-INTERNET CONNECTED DEVICES SYSTEMS AND METHODS 审中-公开
标题翻译：非互联网连接设备的电子支付系统和方法
公开(公告)号：US20140032413A1
公开(公告)日：2014-01-30
申请号：US13951322
申请日：2013-07-25
申请人： Gak Wee Low , Michele Lee , Mark Wenger , Xin Sun
发明人： Gak Wee Low , Michele Lee , Mark Wenger , Xin Sun
IPC分类号： G06Q20/32
CPC分类号： G06Q20/327 , G06Q20/18 , G07F9/026
摘要： There is provided systems and method for an electronic payment to a non-Internet connected device. The methods include transmitting information corresponding to at least one item for sale at a non-Internet connected machine, receiving a purchase request from a user device for the at least one item from the non-Internet connected machine, and communicating, using a hardware processor of a payment provider server, an approval of the purchase request to the user device, wherein the user device is configured to transmit a purchase authorization to the non-Internet connected machine using a wireless connection.
摘要翻译：提供了用于向非因特网连接设备的电子支付的系统和方法。所述方法包括在非因特网连接的机器上发送与至少一个待销售项目相关的信息，从非互联网连接的机器接收来自用户设备的至少一个项目的购买请求，并使用硬件处理器支付提供商服务器的批准，向用户设备的购买请求的批准，其中用户设备被配置为使用无线连接向非因特网连接的机器发送购买授权。

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