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1. 发明授权

US06325284B1 Device and method for promoting the selection and use of a credit card 有权
标题翻译：促进信用卡选择和使用的设备和方法
公开(公告)号：US06325284B1
公开(公告)日：2001-12-04
申请号：US09223164
申请日：1998-12-30
申请人： Jay S. Walker , Bruce Schneier , Magdalena Mik
发明人： Jay S. Walker , Bruce Schneier , Magdalena Mik
IPC分类号： G06K500
CPC分类号： G06Q30/02 , G07F7/086
摘要： A device and method is disclosed for promoting the selection and use of a credit card. Add a feature to a credit card which is intended to attract a consumer's attention and motivate him to consider selecting the credit card. The device includes a sensor which is adapted and configured to sense a predefined physical change. The sensor is in communication with a driver circuit, which is in turn in communication with a transducer. When the sensor detects a predefined physical change, the driver circuit produces at least one driver signal for a predetermined amount of time. The transducer is adapted and configured to emit at least one perceptible output signal in response to receiving the at least one driver signal.
摘要翻译：公开了用于促进信用卡的选择和使用的装置和方法。在信用卡中添加一个功能，旨在吸引消费者的注意力，并激励他考虑选择信用卡。该装置包括传感器，该传感器适于和配置为感测预定义的物理变化。传感器与驱动电路通信，驱动电路又与换能器通信。当传感器检测到预定义的物理变化时，驱动器电路产生至少一个驱动器信号达预定的时间量。换能器被适配和配置为响应于接收至少一个驱动器信号发射至少一个可感知的输出信号。

2. 发明授权

US08712920B2 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 失效
标题翻译：用于加密辅助商业网络系统的方法和装置，旨在促进买方驱动的有条件购买报价
公开(公告)号：US08712920B2
公开(公告)日：2014-04-29
申请号：US13358587
申请日：2012-01-26
申请人： Jay S. Walker , Bruce Schneier , James Jorasch
发明人： Jay S. Walker , Bruce Schneier , James Jorasch
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q50/14 , G06Q10/02 , G06Q10/025 , G06Q10/063 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/085 , G06Q20/12 , G06Q20/201 , G06Q20/24 , G06Q20/403 , G06Q30/02 , G06Q30/0207 , G06Q30/0273 , G06Q30/06 , G06Q30/0601 , G06Q30/0611 , G06Q30/0633 , G06Q30/0637 , G06Q30/0641 , G06Q30/08 , G06Q40/04 , G06Q40/08 , G06Q50/188 , G07F9/026 , Y10S707/944 , Y10S707/99933 , Y10S707/99942 , Y10S707/99943 , Y10S707/99945
摘要： The present invention is a method and apparatus for effectuating bilateral buyer-driven commerce. The present invention allows prospective buyers of goods and services to communicate a binding purchase offer globally to potential sellers, for sellers conveniently to search for relevant buyer purchase offers, and for sellers potentially to bind a buyer to a contract based on the buyer's purchase offer. In a preferred embodiment, the apparatus of the present invention includes a controller which receives binding purchase offers from prospective buyers. The controller makes purchase offers available globally to potential sellers. Potential sellers then have the option to accept a purchase offer and thus bind the corresponding buyer to a contract. The method and apparatus of the present invention have applications on the Internet as well as conventional communications systems such as voice telephony.
摘要翻译：本发明是用于实现双边买方驱动的商业的方法和装置。本发明允许商品和服务的潜在买家向潜在的卖家，卖方方便地搜索相关买家购买报价以及可能根据买方购买报价将买方约束到合约的卖方，向全球范围传达约束性购买报价。在优选实施例中，本发明的装置包括一个控制器，该控制器从潜在买家接收绑定购买报价。控制人在全球范围内为潜在卖家提供购买报价。潜在的卖家随后可以选择接受购买要约，从而将相应的买方绑定到合同中。本发明的方法和装置在互联网上以及诸如语音电话的传统通信系统中都有应用。

3. 发明授权

US08700481B2 Conditional purchase offer management system 失效
标题翻译：有条件的采购报价管理系统
公开(公告)号：US08700481B2
公开(公告)日：2014-04-15
申请号：US13298366
申请日：2011-11-17
申请人： Jay S. Walker , Bruce Schneier , James A. Jorasch , T. Scott Case
发明人： Jay S. Walker , Bruce Schneier , James A. Jorasch , T. Scott Case
IPC分类号： G06Q30/00
CPC分类号： G06Q50/14 , G06Q10/02 , G06Q10/025 , G06Q10/063 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/085 , G06Q20/12 , G06Q20/201 , G06Q20/24 , G06Q20/403 , G06Q30/02 , G06Q30/0207 , G06Q30/0273 , G06Q30/06 , G06Q30/0601 , G06Q30/0611 , G06Q30/0633 , G06Q30/0637 , G06Q30/0641 , G06Q30/08 , G06Q40/04 , G06Q40/08 , G06Q50/188 , G07F9/026 , Y10S707/944 , Y10S707/99933 , Y10S707/99942 , Y10S707/99943 , Y10S707/99945
摘要： A conditional purchase offer (CPO) management system is disclosed for receiving CPOs from one or more customers, such as airline passengers, and for evaluating the received CPOs against a number of CPO rules defined by a plurality of sellers, such as airlines, to determine whether any seller is willing to accept a given CPO. A CPO rule is a set of restrictions defined by a given seller, such as 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.
摘要翻译：公开了有条件购买报价（CPO）管理系统，用于从一个或多个客户（例如航空公司乘客）接收CPO，并根据多个卖方（如航空公司）定义的多个CPO规则来评估所接收的CPO，以确定任何卖家是否愿意接受给定的CPO。 CPO规则是由给定的卖方（如航空公司）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。

4. 发明授权

US08632005B2 Method and apparatus for promoting the selection and use of a transaction card 失效
标题翻译：促进选择和使用交易卡的方法和装置
公开(公告)号：US08632005B2
公开(公告)日：2014-01-21
申请号：US13196350
申请日：2011-08-02
申请人： Jay S. Walker , Bruce Schneier , Magdalena M. Fincham , James A. Jorasch , Michael D. Downs , Robert C. Tedesco
发明人： Jay S. Walker , Bruce Schneier , Magdalena M. Fincham , James A. Jorasch , Michael D. Downs , Robert C. Tedesco
IPC分类号： G06K5/00
CPC分类号： G06K19/0728 , G06K7/10079 , G06K19/0704 , G06K19/0716 , G06K19/07345 , G06K19/077 , G06K19/07703 , G06Q30/02 , G07F7/08 , G07F7/086
摘要： Some embodiments of the present invention provide for detecting a physical change (e.g., via a sensor of a transaction card), and, in response to detecting the physical change, producing an output signal promoting use of a financial account.
摘要翻译：本发明的一些实施例提供用于检测物理变化（例如，经由交易卡的传感器），并且响应于检测到物理变化，产生促进财务账户使用的输出信号。

5. 发明授权

US08086653B1 Conditional purchase offer management system 有权
公开(公告)号：US08086653B1
公开(公告)日：2011-12-27
申请号：US09507509
申请日：2000-02-18
申请人： Jay S. Walker , Bruce Schneier , James A. Jorasch , T. Scott Case
发明人： Jay S. Walker , Bruce Schneier , James A. Jorasch , T. Scott Case
IPC分类号： G06F12/00 , G06F15/16 , G06F17/30 , G06Q30/00 , G06Q40/00
CPC分类号： G06Q50/14 , G06Q10/02 , G06Q10/025 , G06Q10/063 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/085 , G06Q20/12 , G06Q20/201 , G06Q20/24 , G06Q20/403 , G06Q30/02 , G06Q30/0207 , G06Q30/0273 , G06Q30/06 , G06Q30/0601 , G06Q30/0611 , G06Q30/0633 , G06Q30/0637 , G06Q30/0641 , G06Q30/08 , G06Q40/04 , G06Q40/08 , G06Q50/188 , G07F9/026 , Y10S707/944 , Y10S707/99933 , Y10S707/99942 , Y10S707/99943 , Y10S707/99945
摘要： A conditional purchase offer (CPO) management system is disclosed for receiving CPOs from one or more customers, such as airline passengers, and for evaluating the received CPOs against a number of CPO rules defined by a plurality of sellers, such as 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 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.

6. 发明授权

US08086167B2 Method and apparatus for educational testing 有权
标题翻译：教育测试方法和装置
公开(公告)号：US08086167B2
公开(公告)日：2011-12-27
申请号：US12359838
申请日：2009-01-26
申请人： Jay S. Walker , Bruce Schneier , James A. Jorasch
发明人： Jay S. Walker , Bruce Schneier , James A. Jorasch
IPC分类号： G06F17/30
CPC分类号： G09B7/02 , Y10S707/99945
摘要： Methods and apparatuses are disclosed for computer-based evaluation of a test-taker's performance with respect to a reward threshold. A performance assessment of the test taker can be standardized or customized, as well as relative or absolute. The system allows a parentally-controlled reward system such that children who reach specified objectives can claim an award that parents are confident was fairly and honestly earned without the parent being required to proctor the testing.
摘要翻译：公开了用于基于计算机评估测试者相对于奖励阈值的表现的方法和装置。测试员的绩效评估可以被标准化或定制，以及相对或绝对。该系统允许家长控制的奖励制度，使得达到特定目标的儿童可以要求获得父母有信心的奖励，而父母无需监督检测。

7. 再颁专利

USRE42893E1 Method and apparatus for verifying secure document timestamping 失效
标题翻译：用于验证安全文档时间戳的方法和装置
公开(公告)号：USRE42893E1
公开(公告)日：2011-11-01
申请号：US11541520
申请日：2006-09-29
申请人： Jay S. Walker , Bruce Schneier , James A. Jorasch , Dean P. Alderucci
发明人： Jay S. Walker , Bruce Schneier , James A. Jorasch , Dean P. Alderucci
IPC分类号： H04L9/00 , H04N1/44 , G06F21/00
CPC分类号： H04L9/3297 , G07D7/0047 , H04L9/3242 , H04L9/3271 , H04L2209/38 , H04L2209/805
摘要： According to one embodiment of the invention, a method is provided for receiving a timestamp from a caller via a telephone connection; receiving a device identifier from the caller, in which the device identifier identifies a device; determining a cryptographic key based on the device identifier; determining an indication of a time based on the timestamp and the cryptographic key; providing the indication of the time to the caller; determining an account; and charging a fee to the account.
摘要翻译：根据本发明的一个实施例，提供一种用于经由电话连接从呼叫者接收时间戳的方法; 从呼叫者接收设备标识符，其中设备标识符标识设备; 基于所述设备标识符确定密码密钥; 基于所述时间戳和所述密码确定时间的指示; 向呼叫者提供时间的指示; 确定帐户; 并向帐户收取费用。

8. 发明授权

US07991698B2 Method and apparatus for executing cryptographically-enabled letters of credit 有权
标题翻译：用于执行加密功能的信用证的方法和装置
公开(公告)号：US07991698B2
公开(公告)日：2011-08-02
申请号：US11103906
申请日：2005-04-12
申请人： Jay S. Walker , Bruce Schneier
发明人： Jay S. Walker , Bruce Schneier
IPC分类号： G06F17/60
CPC分类号： G06Q20/401 , G06Q20/00 , G06Q20/02 , G06Q20/0855 , G06Q20/10 , G06Q20/382 , G06Q20/3821 , G06Q20/38215
摘要： A method and apparatus for executing electronic transactions using cryptographically-enabled accounts stores cryptographically-enabled account information and instructions, receives a cryptographically-encoded permission certificate, and processes the received permission certificate to execute the transactions.
摘要翻译：一种用于执行使用加密功能的帐户的电子交易的方法和装置存储具有加密功能的帐户信息和指令，接收加密编码的许可证书，并处理所接收的许可证书以执行交易。

9. 发明申请

US20100306105A1 METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER 审中-公开
公开(公告)号：US20100306105A1
公开(公告)日：2010-12-02
申请号：US12857056
申请日：2010-08-16
申请人： JAY S. WALKER , Bruce Schneier , Sanjay K. Jindal , Daniel E. Tedesco
发明人： JAY S. WALKER , Bruce Schneier , Sanjay K. Jindal , Daniel E. Tedesco
IPC分类号： G06Q40/00
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.

10. 发明申请

US20100293101A1 METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER 审中-公开
标题翻译：用于生成单一使用财务帐号的方法和装置
公开(公告)号：US20100293101A1
公开(公告)日：2010-11-18
申请号：US12845189
申请日：2010-07-28
申请人： Jay S. Walker , Bruce Schneier , Sanjay K. Jindal , Daniel E. Tedesco
发明人： Jay S. Walker , Bruce Schneier , Sanjay K. Jindal , Daniel E. Tedesco
IPC分类号： G06Q40/00 , G06Q20/00
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.
摘要翻译：描述了一种用于促进金融账户交易的装置，其包括包括密码处理器的处理单元。该设备还包括连接到处理单元的输入单元，显示单元和存储设备。该存储装置包含专用加密密钥，第一数据元素和第二数据元素。处理单元使用专用密钥和第二数据元素对第一数据元素进行加密，修改第二数据元素，组合加密的第一数据元素和第二数据元素以生成一次性金融账户标识符，并显示单个 - 使用财务帐户标识符。然后，该标识符被传送到中央处理器以授权交易。中央处理器使用专用密钥从所发送的标识符中提取和解密数据元素，将这些数据元素与存储在存储器中的数据元素进行比较，并根据比较验证一次性金融帐户标识符。

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