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91. 发明申请

US20110289005A1 METHOD AND APPARATUS FOR EXECUTING CRYPTOGRAPHICALLY-ENABLED LETTERS OF CREDIT 有权
标题翻译：用于执行信用卡信用信函的方法和装置
公开(公告)号：US20110289005A1
公开(公告)日：2011-11-24
申请号：US13196546
申请日：2011-08-02
申请人： Jay S. Walker , Bruce Schneier
发明人： Jay S. Walker , Bruce Schneier
IPC分类号： G06Q30/00
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。

92. 发明授权

US07844550B2 Method and device for generating a single-use financial account number 有权
公开(公告)号：US07844550B2
公开(公告)日：2010-11-30
申请号：US11338152
申请日：2006-01-24
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： G06Q99/00
CPC分类号： G06Q20/385 , G06Q20/04 , G06Q20/10 , G06Q20/24 , G06Q20/382 , G06Q20/3823 , G06Q20/383 , G06Q20/40 , G06Q20/401 , G06Q20/4014
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.

93. 发明授权

US06739505B2 Device and method 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设备和方法
公开(公告)号：US06739505B2
公开(公告)日：2004-05-25
申请号：US10146302
申请日：2001-10-26
申请人： Jay S. Walker , Bruce Schneier , Magdalena M. Fincham
发明人： Jay S. Walker , Bruce Schneier , Magdalena M. Fincham
IPC分类号： G06K500
CPC分类号： G06Q30/02 , G07F7/086
摘要： One embodiment of the present invention provides for sensing a physical change at a transaction card, such as a credit card, and providing content, such as information or entertainment information, in response to sensing the physical change.
摘要翻译：本发明的一个实施例提供了用于感测交易卡（例如信用卡）上的物理变化，以及响应感测物理变化来提供诸如信息或娱乐信息的内容。

94. 发明授权

US06607439B2 Off-line remote system for lotteries and games of skill 失效
公开(公告)号：US06607439B2
公开(公告)日：2003-08-19
申请号：US10145964
申请日：2002-05-14
申请人： Bruce Schneier , Jay S. Walker , James Jorasch
发明人： Bruce Schneier , Jay S. Walker , James Jorasch
IPC分类号： A63F924
CPC分类号： G07F17/32 , A63F3/081 , A63F2003/086 , G06Q30/0212 , G06Q30/0225 , G06Q30/0226 , G06Q30/0251 , G07F17/3218 , G07F17/3251 , G07F17/329
摘要： An off-line remote lottery system which enables players to purchase instant-type lottery game outcomes from a randomized prize data stream in a central computer, and view the outcomes on remotely disposed gaming computers which do not require an on-line connection during play.

95. 发明授权

US10169791B2 System for utilizing redemption information 有权
公开(公告)号：US10169791B2
公开(公告)日：2019-01-01
申请号：US13620719
申请日：2012-09-15
申请人： Jay S. Walker , Jose A. Suarez , T. Scott Case , Michiko Kobayashi , Andrew P. Golden
发明人： Jay S. Walker , Jose A. Suarez , T. Scott Case , Michiko Kobayashi , Andrew P. Golden
IPC分类号： G06Q30/00 , G06Q30/06 , G06Q30/02
摘要： A system to determine offers and/or to determine the acceptability of offers based on received information relating to product redemption at a third party. According to one embodiment, the system includes arrangement for a customer to redeem a product from a third party, reception of information relating to a redemption of the product by the customer, reception of an offer to purchase a product for an offer price, determination to accept the offer based on the received information relating to the redemption, determination of an assigned third party at which the offer product may be redeemed based on the received information, and transmission of an acceptance of the offer and an indication of the assigned third party.

96. 发明申请

US20130226735A1 SYSTEM FOR UTILIZING REDEMPTION INFORMATION 审中-公开
标题翻译：利用赎回信息的制度
公开(公告)号：US20130226735A1
公开(公告)日：2013-08-29
申请号：US13620719
申请日：2012-09-15
申请人： Jay S. Walker , Jose A. Suarez , T. Scott Case , Michiko Kobayashi , Andrew P. Golden
发明人： Jay S. Walker , Jose A. Suarez , T. Scott Case , Michiko Kobayashi , Andrew P. Golden
IPC分类号： G06Q30/06
CPC分类号： G06Q30/0613 , G06Q30/02 , G06Q30/0261 , G06Q30/0266 , G06Q30/0268 , G06Q30/0601
摘要： A system to determine offers and/or to determine the acceptability of offers based on received information relating to product redemption at a third party. According to one embodiment, the system includes arrangement for a customer to redeem a product from a third party, reception of information relating to a redemption of the product by the customer, reception of an offer to purchase a product for an offer price, determination to accept the offer based on the received information relating to the redemption, determination of an assigned third party at which the offer product may be redeemed based on the received information, and transmission of an acceptance of the offer and an indication of the assigned third party.
摘要翻译：根据所收到的与第三方产品兑换有关的信息，确定报价和/或确定报价的可接受性的系统。根据一个实施例，该系统包括用于客户从第三方兑换产品的装置，接收由客户兑换产品的信息，接收以报价价购买产品的要约，确定为基于接收到的有关赎回信息，根据接收到的信息确定提供产品可能被赎回的分配的第三方以及发送接受该要约以及所分配的第三方的指示，接受该提议。

97. 发明申请

US20130211961A1 SYSTEM FOR UTILIZING REDEMPTION INFORMATION 审中-公开
公开(公告)号：US20130211961A1
公开(公告)日：2013-08-15
申请号：US13620726
申请日：2012-09-15
申请人： Jay S. Walker , Jose A. Suarez , T. Scott Case , Michiko Kobayashi , Andrew P. Golden
发明人： Jay S. Walker , Jose A. Suarez , T. Scott Case , Michiko Kobayashi , Andrew P. Golden
IPC分类号： G06Q30/06
CPC分类号： G06Q30/0613 , G06Q30/02 , G06Q30/0235 , G06Q30/06 , G06Q30/0601
摘要： A system to determine offers and/or to determine the acceptability of offers based on received information relating to product redemption at a third party. According to one embodiment, the system includes arrangement for a customer to redeem a product from a third party, reception of information relating to a redemption of the product by the customer, reception of an offer to purchase a product for an offer price, determination to accept the offer based on the received information relating to the redemption, determination of an assigned third party at which the offer product may be redeemed based on the received information, and transmission of an acceptance of the offer and an indication of the assigned third party.

98. 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。

99. 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。

100. 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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