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1. 发明申请

US20090319425A1 Mobile Person-to-Person Payment System 审中-公开
标题翻译：移动人对人支付系统
公开(公告)号：US20090319425A1
公开(公告)日：2009-12-24
申请号：US12470482
申请日：2009-05-21
申请人： John Tumminaro , Carol Realini , Pete Hosokawa , David Schwartz , Sam Shawki , Nirav Shah
发明人： John Tumminaro , Carol Realini , Pete Hosokawa , David Schwartz , Sam Shawki , Nirav Shah
IPC分类号： G06Q20/00 , G06Q40/00 , H04W4/12
CPC分类号： G06Q20/32 , G06Q20/108 , G06Q20/3223 , G06Q20/3229 , G06Q20/3255 , G06Q20/405 , G06Q20/425 , G06Q40/00 , G06Q40/02 , G07C9/00039
摘要： A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions can be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions can be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.
摘要翻译：移动支付平台和服务提供了一种快速，简单的方法来进行移动设备用户的付款。该平台还与非移动通道和电子邮件，即时通讯和Web等设备相连接。在实施中，从帐户持有人的移动设备（例如移动电话或个人数字助理）访问资金以进行或接收付款。金融交易可以以个人对个人（P2P）或个人对商家（P2M）的方式进行，其中每一方由诸如电话号码或条形码的唯一指标来标识。可以通过任何数量的方式来请求交易，包括SMS消息，Web，电子邮件，即时消息，移动客户端应用程序，即时消息插件应用程序或“小部件”。驻留在移动设备上的移动客户端应用程序以快速，安全的方式简化了访问和执行金融交易。

2. 发明申请

US20070255653A1 Mobile Person-to-Person Payment System 审中-公开
标题翻译：移动人对人支付系统
公开(公告)号：US20070255653A1
公开(公告)日：2007-11-01
申请号：US11694891
申请日：2007-03-30
申请人： John Tumminaro , Carol Realini , Pete Hosokawa , David Schwartz , Sam Shawki , Nirav Shah
发明人： John Tumminaro , Carol Realini , Pete Hosokawa , David Schwartz , Sam Shawki , Nirav Shah
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/223 , G06Q20/32 , G06Q20/322 , G06Q20/3221 , G06Q20/3223 , G06Q20/3227 , G06Q20/3229 , G06Q20/325 , G06Q20/3255 , G06Q20/327 , G06Q20/3274 , G06Q20/3278 , G06Q20/385 , G06Q20/425 , G06Q30/0226 , G06Q30/06 , H04M3/16 , H04W4/00 , H04W12/06
摘要： A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions can be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions can be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.
摘要翻译：移动支付平台和服务提供了一种快速，简单的方法来进行移动设备用户的付款。该平台还与非移动通道和电子邮件，即时通讯和Web等设备相连接。在实施中，从帐户持有人的移动设备（例如移动电话或个人数字助理）访问资金以进行或接收付款。金融交易可以以个人对个人（P2P）或个人对商家（P2M）的方式进行，其中每一方由诸如电话号码或条形码的唯一指标来标识。可以通过任何数量的方式来请求交易，包括SMS消息，Web，电子邮件，即时消息，移动客户端应用程序，即时消息插件应用程序或“小部件”。驻留在移动设备上的移动客户端应用程序以快速，安全的方式简化了访问和执行金融交易。

3. 发明申请

US20070255652A1 Mobile Person-to-Person Payment System 审中-公开
标题翻译：移动人对人支付系统
公开(公告)号：US20070255652A1
公开(公告)日：2007-11-01
申请号：US11694747
申请日：2007-03-30
申请人： John Tumminaro , Carol Realini , Pete Hosokawa , David Schwartz , Hesham Shawki , Nirav Shah
发明人： John Tumminaro , Carol Realini , Pete Hosokawa , David Schwartz , Hesham Shawki , Nirav Shah
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/223 , G06Q20/32 , G06Q20/322 , G06Q20/3221 , G06Q20/3223 , G06Q20/3227 , G06Q20/3229 , G06Q20/325 , G06Q20/3255 , G06Q20/327 , G06Q20/3274 , G06Q20/3278 , G06Q20/385 , G06Q20/425 , G06Q30/0226 , G06Q30/06 , H04M3/16 , H04W4/00 , H04W12/06
摘要： A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions may be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions may be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.
摘要翻译：移动支付平台和服务提供了一种快速，简单的方法来进行移动设备用户的付款。该平台还与非移动通道和电子邮件，即时通讯和Web等设备相连接。在实施中，从帐户持有人的移动设备（例如移动电话或个人数字助理）访问资金以进行或接收付款。金融交易可以以个人对个人（P2P）或个人对商家（P2M）为基础进行，其中每一方通过诸如电话号码或条形码的唯一指标来标识。可以通过任何数量的方式来请求交易，包括SMS消息，Web，电子邮件，即时消息，移动客户端应用程序，即时消息插件应用程序或“小部件”。驻留在移动设备上的移动客户端应用程序以快速，安全的方式简化了访问和执行金融交易。

4. 发明申请

US20070255620A1 Transacting Mobile Person-to-Person Payments 审中-公开
标题翻译：交易手机人对付款
公开(公告)号：US20070255620A1
公开(公告)日：2007-11-01
申请号：US11694881
申请日：2007-03-30
申请人： John Tumminaro , Pete Hosokawa , David Schwartz , Hesham Shawki
发明人： John Tumminaro , Pete Hosokawa , David Schwartz , Hesham Shawki
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/223 , G06Q20/32 , G06Q20/322 , G06Q20/3221 , G06Q20/3223 , G06Q20/3227 , G06Q20/3229 , G06Q20/325 , G06Q20/3255 , G06Q20/327 , G06Q20/3274 , G06Q20/3278 , G06Q20/385 , G06Q20/425 , G06Q30/0226 , G06Q30/06 , H04M3/16 , H04W4/00 , H04W12/06
摘要： In a mobile payment system, registered users or members may send payment to other member or unregistered users or nonmembers. In a specific implementation, a person-to-person payment system allows existing members of a payment system to send funds to nonmembers with the intent that the nonmember becomes a member. This ability of a payment system may be referred to as “viral” because it promotes new member registrations in an exponential spreading fashion.
摘要翻译：在移动支付系统中，注册用户或成员可以向其他成员或未注册的用户或非会员发送付款。在具体实施中，个人对人支付系统允许支付系统的现有成员向非会员发送资金，意图是非会员成为会员。支付系统的这种能力可能被称为“病毒”，因为它以指数扩散方式促进新成员注册。

5. 发明申请

US20090287601A1 Network-Based Viral Payment System 审中-公开
标题翻译：基于网络的病毒支付系统
公开(公告)号：US20090287601A1
公开(公告)日：2009-11-19
申请号：US12405203
申请日：2009-03-16
申请人： John Tumminaro , John Michael Tumminaro , Christopher A. Paddock , David Schwartz , Irvin Henderson
发明人： John Tumminaro , John Michael Tumminaro , Christopher A. Paddock , David Schwartz , Irvin Henderson
IPC分类号： G06Q20/00 , G06F15/16
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q30/00
摘要： A system and method for transferring funds among registered and unregistered users of a value exchange system comprises a server system for receiving value exchange instructions from a sender, where the value exchange instructions include a recipient who may not be registered with the system. The value exchange instructions initiate a computer-generated sequence for authenticating the identity of the recipient, permitting the recipient to designate a payment method, and transferring funds to properly authenticated recipients.
摘要翻译：用于在价值交换系统的注册和未注册用户之间转移资金的系统和方法包括用于从发送者接收价值交换指令的服务器系统，其中价值交换指令包括可能未向系统注册的接收者。价值交换指令启动计算机生成的序列以验证接收者的身份，允许接收方指定支付方法，并将资金转移给正确认证的接收者。

6. 发明申请

US20080032741A1 Programmable Functionalities for Mobile Consumer Communications Devices with Identification-Modules 审中-公开
标题翻译：具有识别模块的移动消费者通信设备的可编程功能
公开(公告)号：US20080032741A1
公开(公告)日：2008-02-07
申请号：US11694906
申请日：2007-03-30
申请人： John Tumminaro
发明人： John Tumminaro
IPC分类号： H04M1/00
CPC分类号： H04M1/72525 , H04M1/72575 , H04W88/02 , H04W92/08
摘要： Many mobile consumer communications devices, such as cellular telephones, PDAs, laptop computers and the like, require an identification module to engage a wireless communications network. An arrangement with an identification module adaptor connected to a housing holding an identification module and a programmable processing unit adds functionality to the mobile consumer communications device. The programmable processing unit which is electrically interposed between the adaptor and said Identification Module is adapted to pass all data communications between the mobile consumer communications device (through the adaptor) and the Identification Module unimpeded for conventional wireless communications in one case, and to intercept the data communications with program applications running on the programmable processing.
摘要翻译：诸如蜂窝电话，PDA，膝上型计算机等的许多移动消费者通信设备需要识别模块来参与无线通信网络。连接到容纳识别模块和可编程处理单元的壳体的识别模块适配器的装置向移动消费者通信设备添加功能。电连接在适配器和所述识别模块之间的可编程处理单元适于在一种情况下通过移动消费者通信设备（通过适配器）和识别模块之间用于传统无线通信而不受阻碍的所有数据通信，并且拦截与可编程处理中运行的程序应用程序进行数据通信。

7. 发明申请

US20100063935A1 Multi-Factor Authorization System and Method 审中-公开
标题翻译：多因素授权系统和方法
公开(公告)号：US20100063935A1
公开(公告)日：2010-03-11
申请号：US12555772
申请日：2009-09-08
申请人： Ajit Thomas , Rodney Robinson , John Michael Tumminaro , John Tumminaro
发明人： Ajit Thomas , Rodney Robinson , John Michael Tumminaro , John Tumminaro
IPC分类号： G06Q10/00
CPC分类号： G06Q20/4014 , G06Q20/40 , G06Q50/265
摘要： Method and system for authenticating the identity of a party to a transaction being executing over wired or wireless networks, using a personal device. A transaction system is adapted to receive messages over a network from a connected device, where the messages are intended to initiate a transaction. The system comprises authentication rules and an associated engine for identifying the type of transaction and, for each type of transaction, whether MFA is required. If so, the necessary MFA attributes are requested, thus permitting completion of the transaction in a comparatively secure manner and also permitting management of the accounts associated with the party.
摘要翻译：用于使用个人设备认证通过有线或无线网络执行的交易的一方的身份的方法和系统。交易系统适于通过网络从连接的设备接收消息，其中消息旨在发起交易。该系统包括认证规则和用于识别交易类型的关联引擎，并且对于每种类型的交易，是否需要MFA。如果是这样，请求必要的MFA属性，从而允许以相对安全的方式完成交易，并且还允许管理与该方相关联的帐户。

8. 发明申请

US20070233615A1 Member-Supported Mobile Payment System 有权
标题翻译：会员支持的移动支付系统
公开(公告)号：US20070233615A1
公开(公告)日：2007-10-04
申请号：US11694894
申请日：2007-03-30
申请人： John Tumminaro
发明人： John Tumminaro
IPC分类号： H04L9/00
CPC分类号： H04M3/16 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/401 , G06Q30/06 , H04L63/08 , H04L63/166
摘要： A member-supported payment system is available to consumers and merchants without sign-up fees, subscription fees, or transaction fees to either consumers or merchants. In a specific implementation, the member payment system is a mobile payment system where consumers may conduct transactions using a mobile device such as a mobile telephone, smartphone, personal digital assistant, or similar portable wireless handheld device. Merchants will make a refundable one-time contribution. These contributions are stored in a pooled trust account by the system and the float dividends or interest on these contributions will fund the system.
摘要翻译：向消费者和商家提供会员支持的支付系统，无需向消费者或商家注册费用，订阅费用或交易费用。在具体实现中，成员支付系统是移动支付系统，其中消费者可以使用诸如移动电话，智能电话，个人数字助理或类似的便携式无线手持设备的移动设备进行交易。商家将作出一笔可退还的一次性捐款。这些捐款由系统存储在一个合并的信托账户中，这些捐款的浮动股利或利息将为该系统提供资金。

9. 发明授权

US08532021B2 Data communications over voice channel with mobile consumer communications devices 有权
标题翻译：通过语音信道与移动消费者通信设备进行数据通信
公开(公告)号：US08532021B2
公开(公告)日：2013-09-10
申请号：US11694903
申请日：2007-03-30
申请人： John Tumminaro
发明人： John Tumminaro
IPC分类号： H04W4/00
CPC分类号： H04M11/066 , H04M3/493 , H04M7/1295 , H04M2203/353
摘要： Mobile consumer communications devices can communicate their program application data over the voice channel of a wireless communications network. Structured by a protocol suitable for the voice channel, the data are encoded into tones which are transmitted over the voice channel. A server receives the tones over the voice channel, which are decoded into program application data structured by the protocol, and passed to an enterprise application. The server can respond accordingly over the voice channel.
摘要翻译：移动消费者通信设备可以通过无线通信网络的语音信道来传送其节目应用数据。通过适用于语音信道的协议进行结构化，将数据编码成通过语音信道发送的音调。服务器通过语音信道接收音调，将其解码为由协议构成的程序应用程序数据，并传递给企业应用程序。服务器可以通过语音通道相应地进行响应。

10. 发明授权

US08249965B2 Member-supported mobile payment system 有权
标题翻译：会员支持的移动支付系统
公开(公告)号：US08249965B2
公开(公告)日：2012-08-21
申请号：US11694894
申请日：2007-03-30
申请人： John Tumminaro
发明人： John Tumminaro
IPC分类号： G06Q40/00
CPC分类号： H04M3/16 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/401 , G06Q30/06 , H04L63/08 , H04L63/166
摘要： A member-supported payment system is available to consumers and merchants without sign-up fees, subscription fees, or transaction fees to either consumers or merchants. In a specific implementation, the member payment system is a mobile payment system where consumers may conduct transactions using a mobile device such as a mobile telephone, smartphone, personal digital assistant, or similar portable wireless handheld device. Merchants will make a refundable one-time contribution. These contributions are stored in a pooled trust account by the system and the float dividends or interest on these contributions will fund the system.
摘要翻译：向消费者和商家提供会员支持的支付系统，无需向消费者或商家注册费用，订阅费用或交易费用。在具体实现中，成员支付系统是移动支付系统，其中消费者可以使用诸如移动电话，智能电话，个人数字助理或类似的便携式无线手持设备的移动设备进行交易。商家将作出一笔可退还的一次性捐款。这些捐款由系统存储在一个合并的信托账户中，这些捐款的浮动股利或利息将为该系统提供资金。

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