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1. 发明授权

US09898723B2 System and method for voice authentication 有权
公开(公告)号：US09898723B2
公开(公告)日：2018-02-20
申请号：US14132576
申请日：2013-12-18
申请人： Robert Rutherford , Julian Hua
发明人： Robert Rutherford , Julian Hua
IPC分类号： G10L17/00 , G06Q20/20 , G06Q20/32 , G06Q20/40 , G06F21/32
CPC分类号： G06F3/167 , G06F21/32 , G06Q20/20 , G06Q20/32 , G06Q20/3272 , G06Q20/40145 , G10L15/22 , G10L17/00 , G10L17/005 , G10L2015/225
摘要： Embodiments of the invention provide for secure voice authentication through a communication device or access device. Certain embodiments allow for providing a word string to a communication device or authentication device. The communication or authentication device plays a supplemental signal that is unique to a transaction. The communication device or authentication device concurrently records an audio segment originating from the user and the supplemental signal. The audio segment is an attempt by the user to vocally reproduce the word string. The communication device or authentication device sends the concurrently recorded audio segment and supplemental signal, to a computer, where the computer authenticates the user.

2. 发明申请

US20130218721A1 TRANSACTION VISUAL CAPTURING APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：交易视觉捕获设备，方法和系统
公开(公告)号：US20130218721A1
公开(公告)日：2013-08-22
申请号：US13735802
申请日：2013-01-07
申请人： Ernest Borhan , Ayman Hammad , Thomas Purves , Julian Hua , Jerry Wald
发明人： Ernest Borhan , Ayman Hammad , Thomas Purves , Julian Hua , Jerry Wald
IPC分类号： G06Q30/06
摘要： The TRANSACTION VISUAL CAPTURING APPARATUSES, METHODS AND SYSTEMS (“TVC”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, and mixed gesture capturing via TVC components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the TVC obtains user check-in information from a user mobile device upon user entry into a store. The TVC extracts a user identifier based on the user check-in information, and accesses a database for a user profile. The TVC determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device. Using these, the TVC generates and provides a recommendation to the user mobile device. The TVC adds a product for purchase by the user to a cart based on the provided recommendation. Upon obtaining an indication that the user desires to purchase the product added to the cart, the TVC initiates a purchase transaction for the product added to the cart, and provides an electronic receipt to the user mobile device.
摘要翻译：交易视觉捕获设备，方法和系统（“TVC”）将移动设备位置坐标信息传输，实时现实视觉捕获和通过TVC组件的混合姿态捕获转换成实时行为敏感的产品购买相关信息，购物购买交易通知和电子收据。在一个实现中，TVC在用户进入商店时从用户移动设备获得用户签入信息。 TVC基于用户登录信息提取用户标识符，并访问用户简档的数据库。 TVC从所访问的用户简档确定用户先前的行为模式，并且从用户移动设备获得用户实时的店内行为数据。使用这些，TVC生成并向用户移动设备提供推荐。 TVC根据提供的建议，将用户购买的产品添加到购物车中。在获得用户希望购买添加到购物车中的产品的指示时，TVC发起添加到购物车中的商品的购买交易，并向用户移动装置提供电子收据。

3. 发明申请

US20120271712A1 IN-PERSON ONE-TAP PURCHASING APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：个人一手购买设备，方法和系统
公开(公告)号：US20120271712A1
公开(公告)日：2012-10-25
申请号：US13429670
申请日：2012-03-26
申请人： Edward Katzin , John Kheit , Ayman Hammad , Julian Hua , Jerry Wald
发明人： Edward Katzin , John Kheit , Ayman Hammad , Julian Hua , Jerry Wald
IPC分类号： G06Q30/06 , G06Q30/02
CPC分类号： G06Q30/06 , G06Q20/0453 , G06Q20/20 , G06Q20/209 , G06Q20/3221 , G06Q20/3274 , G06Q20/3276 , G06Q20/36 , G06Q20/387 , G06Q30/0251 , G07G1/0036 , G07G1/0081 , G07G3/003
摘要： Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user's smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat.
摘要翻译：公开了用于将产品代码快照转换为实时，提供驱动的电子购买交易通知以减少欺诈的方法，系统和设备。在一个实施例中，智能手机从产品包中扫描产品标识符，服务器访问产品数据库以获得与产品标识符相关联的产品购买提议，用户从他或她的钱包授权信用卡收费，然后产品购买提供或其他信用卡优惠（用于积分或其他）提供给用户移动设备。在用户在商店的通道中购买物品之后，用户的智能手机显示可由出口扫描的条形码电子收据，以便消费者可以随着产品走出去。在一些实施例中，客户服务代表请求视频聊天，并且基于视频聊天的接受降低交易风险分数。

4. 发明申请

US20140337175A1 Universal Electronic Payment Apparatuses, Methods and Systems 审中-公开
标题翻译：通用电子支付设备，方法和系统
公开(公告)号：US20140337175A1
公开(公告)日：2014-11-13
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q20/36 , G06Q20/32 , G06Q30/06
CPC分类号： G06Q20/36 , G06Q20/204 , G06Q20/322 , G06Q20/367 , G06Q30/00 , G06Q30/06 , G06Q30/0623 , G07F7/0886
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
摘要翻译：通用电子支付设备，方法和系统（“UEP”）将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。在一个实现中，UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求，获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。此外，UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。

5. 发明授权

US08577803B2 Virtual wallet card selection apparatuses, methods and systems 有权
标题翻译：虚拟钱包卡选择装置，方法和系统
公开(公告)号：US08577803B2
公开(公告)日：2013-11-05
申请号：US13487148
申请日：2012-06-01
申请人： Saurav Chatterjee , Ayman Hammad , Edward N. Katzin , Julian Hua
发明人： Saurav Chatterjee , Ayman Hammad , Edward N. Katzin , Julian Hua
IPC分类号： G06Q40/00
CPC分类号： G06Q20/367 , G06Q20/12 , G06Q20/322 , G06Q20/325 , G06Q20/351 , G06Q20/36 , G06Q20/385
摘要： The VIRTUAL WALLET CARD SELECTION APPARATUSES, METHODS AND SYSTEMS (“VWCS”) transform virtual wallet card selections by users utilizing mobile devices via VWCS components into virtual wallet card-based transaction purchase notifications. In one implementation, the VWCS obtains a user authentication request for a purchase transaction, and extracts a universal card account number from it. Upon querying a database, the VWCS determines that the user has access to a virtual wallet and obtains virtual wallet card selection options for the user from the database. The VWCS provides the virtual wallet card selection options to a user mobile device, and obtains a user selection of an account included among the options. The VWCS initiates a purchase transaction using the user selection. Also, upon completion of authorization of the purchase transaction, the VWCS provides a purchase receipt to the user mobile device.
摘要翻译：虚拟电子钱包卡选择设备，方法和系统（“VWCS”）将使用VWCS组件的移动设备的用户的虚拟钱包卡选择转换为基于虚拟钱包卡的交易采购通知。在一个实现中，VWCS获得用于购买交易的用户认证请求，并从其中提取通用卡帐号。在查询数据库时，VWCS确定用户可以访问虚拟钱包，并从数据库获取用户的虚拟钱包卡选择选项。 VWCS向用户移动设备提供虚拟钱包卡选择选项，并且获得包括在选项中的帐户的用户选择。 VWCS使用用户选择启动购买交易。此外，在完成购买交易的授权之后，VWCS向用户移动设备提供购买单。

6. 发明申请

US20120158589A1 Social Media Payment Platform Apparatuses, Methods and Systems 审中-公开
标题翻译：社交媒体支付平台设备，方法和系统
公开(公告)号：US20120158589A1
公开(公告)日：2012-06-21
申请号：US13327740
申请日：2011-12-15
申请人： Edward Katzin , Julian Hua
发明人： Edward Katzin , Julian Hua
IPC分类号： G06Q20/40 , G06Q20/36 , G06Q20/08
CPC分类号： G06Q20/12 , G06Q20/22 , G06Q20/32 , G06Q20/40 , G06Q50/01
摘要： The SOCIAL MEDIA PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“SocialPay”) transform message posts to social networks via SocialPay components into payment transaction receipts social merchant-consumer bridging offers. In one implementation, the SocialPay obtains a user social pay initiation trigger, and obtains user social data from a social networking site. The SocialPay identifies a social pay command within the user social data. In one implementation, the SocialPay, in identifying the social pay command within the user social data, parses the user social data, and extracts a social pay command string within the user social data. The SocialPay determines a payor identifier, a payee identifier, and a payment amount using the social pay command string. Based on the identified social pay command, the SocialPay initiates a funds payment transaction.
摘要翻译：社交媒体付款平台设备，方法和系统（“SocialPay”）将社交网络的消息帖子通过SocialPay组件转换为支付交易收据社交商家 - 消费者桥接优惠。在一个实现中，SocialPay获得用户社交支付启动触发器，并从社交网站获取用户社交数据。 SocialPay在用户社交数据中识别社会付费指令。在一个实现中，SocialPay在用户社交数据中识别社会付费命令，解析用户社交数据，并在用户社交数据中提取社会付费命令字符串。 SocialPay使用社会付费命令字符串来确定付款人标识符，收款人标识符和支付金额。根据确定的社会收入指示，SocialPay发起资金支付交易。

7. 发明授权

US10223691B2 Universal electronic payment apparatuses, methods and systems 有权
公开(公告)号：US10223691B2
公开(公告)日：2019-03-05
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q30/00 , G06Q20/36 , G06Q20/20 , G06Q30/06 , G07F7/08 , G06Q20/32
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

8. 发明申请

US20120233073A1 Universal Value Exchange Apparatuses, Methods and Systems 审中-公开
标题翻译：通用价值交换设备，方法和系统
公开(公告)号：US20120233073A1
公开(公告)日：2012-09-13
申请号：US13348634
申请日：2012-01-11
申请人： Diane Salmon , Susan French , Victoria Graham , Amil Bhargava , Shipra Jha , Mark Carlson , Edward Katzin , Julian Hua
发明人： Diane Salmon , Susan French , Victoria Graham , Amil Bhargava , Shipra Jha , Mark Carlson , Edward Katzin , Julian Hua
IPC分类号： G06Q40/00 , G06Q30/06
CPC分类号： G06Q40/00 , G06Q20/381
摘要： The UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS (“UVE”) transform cross-ecosystem currency exchange instructions via UVE components into cross-ecosystem currency exchanges. In one embodiment, the UVE may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVE may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVE may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVE may also issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange has been completed and provide a notification of completion of the cross-ecosystem currency exchange.
摘要翻译：通用价值交换设备，方法和系统（“UVE”）通过UVE组件将跨生态系统货币兑换指令转换为跨生态系统货币交换。在一个实施例中，UVE可以获得跨生态系统货币兑换指令，并且基于解析跨生态系统货币兑换指令来确定一个或多个源和目的地。 UVE可以确定与来源和目的地相关联的货币类型，并确定货币类型相对于标准货币的汇率。在一个实施中，UVE可以获得与源和目的地相关联的货币兑换限制和条件，并且产生用于从源到目的地的货币转移的货币兑换流动路径。 UVE还可以向来源和目的地发出货币转移请求，确定跨生态系统货币兑换已经完成，并提供完成跨生态系统货币兑换的通知。

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