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11. 发明申请

US20170169235A1 COPYRIGHT DETECTION AND PROTECTION SYSTEM AND METHOD 审中-公开
公开(公告)号：US20170169235A1
公开(公告)日：2017-06-15
申请号：US15436419
申请日：2017-02-17
申请人： Audible Magic Corporation
发明人： Richard A. Schmelzer
IPC分类号： G06F21/62 , H04L29/06
CPC分类号： G06F21/6209 , G06F16/433 , G06F16/434 , G06F16/683 , G06F21/10 , G06F21/60 , G06F2221/0737 , G06F2221/074 , G06Q20/3674 , G06Q20/383 , G06Q30/0255 , G06Q30/0601 , G06Q40/00 , G06Q50/18 , G06Q50/184 , H04L63/04 , H04L63/104 , H04L63/12 , H04L63/1408 , H04L2463/101 , H04L2463/102 , H04L2463/103
摘要： A method for detecting against unauthorized transmission of digital works comprises the steps of maintaining a registry of information permitting identification of digital copyrighted works, monitoring a network for transmission of at least one packet-based digital signal, extracting at least one feature from the at least one digital signal, comparing the extracted at least one feature with registry information and applying business rules based on the comparison result.

12. 发明授权

US09652769B1 Methods, apparatus and systems for securely storing and/or accessing payment information or other sensitive information based on tokens 有权
公开(公告)号：US09652769B1
公开(公告)日：2017-05-16
申请号：US13671178
申请日：2012-11-07
申请人： Carbonite, Inc.
发明人： Eric J. Golin
IPC分类号： G06Q20/00 , G06Q20/38
CPC分类号： G06Q20/385 , G06Q20/382 , G06Q20/38215 , G06Q20/3829 , G06Q20/383
摘要： A token is generated and processed as a substitute for sensitive information, e.g., payment information associated with a customer making a purchase of a product/service from a vendor. The customer's payment information is encrypted and stored in a first memory record of a secure computer system. A token is generated that includes memory-related information identifying the first memory record, and the token is transmitted to the vendor for storage in a customer record. To facilitate payment for the purchase, the vendor transmits the token to another party (e.g., a billing service or payment processor), and the encrypted payment information is read from the first memory record of the secure computer system based on the memory-related information in the token. The encrypted payment information is then decrypted to recover the payment information which is then used to effect payment.

13. 发明授权

US09646304B2 System for providing cardless payment 有权
公开(公告)号：US09646304B2
公开(公告)日：2017-05-09
申请号：US11487416
申请日：2006-07-17
申请人： William Frederick Mann, III , Jeffrey L. Hirka
发明人： William Frederick Mann, III , Jeffrey L. Hirka
IPC分类号： G06Q20/34 , G06Q20/38 , G06Q20/04 , G06Q20/20 , G06Q20/36 , G06Q20/40 , G06Q40/00 , G07F7/10
CPC分类号： G06Q20/385 , G06Q20/04 , G06Q20/20 , G06Q20/347 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/382 , G06Q20/383 , G06Q20/40 , G06Q20/4012 , G06Q20/4014 , G06Q40/00 , G07F7/10 , G07F7/1075
摘要： The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.

14. 发明授权

US09633351B2 Encryption switch processing 有权
公开(公告)号：US09633351B2
公开(公告)日：2017-04-25
申请号：US12939675
申请日：2010-11-04
申请人： Judson Reed , Patrick Faith , Ben Rewis
发明人： Judson Reed , Patrick Faith , Ben Rewis
IPC分类号： G06Q20/00 , G06Q20/38 , G06Q20/20 , G06Q20/40 , H04L9/32
CPC分类号： G06Q20/3829 , G06Q20/20 , G06Q20/383 , G06Q20/40 , G06Q20/401 , H04L9/3226 , H04L9/3234 , H04L2209/56
摘要： Techniques for eliminating the need for merchants and acquirers to conduct Payment Card Industry (“PCI”) security audit procedures are provided. Merchants and acquirers can eliminate the operating expenses associated with conducting audits to ensure compliance with PCI Data Security Standards (“DSS”), while at the same time ensuring that cardholders' data remains secure, thus protecting the cardholders from fraudulent transactions. System security is further enhanced through the use of per transaction audits, with the scope of the audit being directly between the Point of Sale (POS) terminal and the payment processing network. PCI DSS compliance can thus be assured on a per transaction basis, as opposed to only ensuring compliance generally for a merchant or acquirer on a periodic basis. Per transaction PCI DSS compliance is assured, while at the same time eliminating the need for merchants or acquirers to conduct compliance audits.

15. 发明授权

US09600687B2 Cognitive digital security assistant utilizing security statements to control personal data access 有权
公开(公告)号：US09600687B2
公开(公告)日：2017-03-21
申请号：US14503603
申请日：2014-10-01
申请人： International Business Machines Corporation
发明人： Corville O. Allen , Andrew R. Freed
IPC分类号： G06F21/00 , G06F21/62 , G06Q30/02 , G06Q20/38 , G06F21/34
CPC分类号： G06F21/6245 , G06F21/34 , G06F21/6263 , G06F2221/2117 , G06F2221/2141 , G06Q20/383 , G06Q30/0207 , H04L63/102
摘要： An approach is provided in which a cognitive digital security assistant intercepts a personal data request from a client that is requesting personal data from a user. The cognitive digital security assistant analyzes the personal data request against the user's security statements to determine whether to provide the user's personal data to the client. During the analysis, the cognitive digital security assistant determines whether the personal data request includes benefits that meet the user's benefit thresholds included in the user's security statements. When the benefits meet the user's benefit thresholds, the cognitive digital security assistant provides the requested personal data to the client in exchange for the benefit from the client.

16. 发明授权

US09514459B1 Identity broker tools and techniques for use with forward proxy computers 有权
标题翻译：用于转发代理计算机的身份代理工具和技术
公开(公告)号：US09514459B1
公开(公告)日：2016-12-06
申请号：US09809501
申请日：2001-03-15
申请人： Kshitij A. Doshi , Hashem Mohammad Ebrahimi , Carolyn B. McClain
发明人： Kshitij A. Doshi , Hashem Mohammad Ebrahimi , Carolyn B. McClain
IPC分类号： G06Q20/38
CPC分类号： G06Q20/383 , G06F21/335 , H04L63/00
摘要： A forward proxy can perform identity substitutions and related services. The user provides the forward proxy with identity information, and the forward proxy presents itself to remote Internet sites on behalf of the user in the guize of the specified identity. From the remote site's point of view, the forward proxy is the machine being used by the user; the identity of the actual user machine can be hidden. Cookies are thus stored and updated at the forward proxy instead of being stored and updated at the user computer as they would be if a conventional forward proxy had been used. This helps preserve user privacy. The use of group identities, which are shared by multiple users, are also facilitated.
摘要翻译：转发代理可以执行身份替换和相关服务。用户向转发代理提供身份信息，并且转发代理以指定身份的形式代表用户呈现给远程互联网站点。从远程站点的角度来看，转发代理是用户使用的机器; 可以隐藏实际用户机器的身份。因此，Cookie将在前向代理中进行存储和更新，而不是在用户计算机上进行存储和更新，因为如果使用了传统的转发代理，那么它们将被使用。这有助于保护用户隐私。使用由多个用户共享的组身份也是便利的。

17. 发明授权

US09317850B2 Method and system for processing PIN debit transactions 有权
标题翻译： PIN借方交易处理方法及系统
公开(公告)号：US09317850B2
公开(公告)日：2016-04-19
申请号：US13080119
申请日：2011-04-05
申请人： Michael A. Keresman, III , Paul Turgeon
发明人： Michael A. Keresman, III , Paul Turgeon
IPC分类号： G06Q20/00 , G06Q20/38 , G06Q20/08 , G06Q20/12 , G06Q30/06 , G06Q20/02 , G06Q20/24 , G06Q20/26
CPC分类号： G06Q20/4012 , G06Q20/02 , G06Q20/0855 , G06Q20/12 , G06Q20/24 , G06Q20/26 , G06Q20/34 , G06Q20/383 , G06Q20/385 , G06Q30/0613
摘要： A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.
摘要翻译：一种用于处理商家和消费者之间借方交易的系统。该系统包括被编程为接收消费者的支付信息的一个或多个处理器，从消费者收集借记卡的认证数据，将对借方交易唯一的别名帐号发送给商家，接收包括别名帐户的信用授权消息使用认证数据将信用授权消息转换为借记授权消息，并将付款授权消息发送给支付处理器。

18. 发明授权

US09299073B1 Secure card 有权
公开(公告)号：US09299073B1
公开(公告)日：2016-03-29
申请号：US14285884
申请日：2014-05-23
申请人： United Services Automobile Association (USAA)
发明人： John Chandler Hopkins, III
IPC分类号： G06K5/00 , G06Q20/38 , G06Q20/34
CPC分类号： G06Q20/383 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/227 , G06Q20/354 , G06Q30/0238 , G06Q40/02 , G07D7/0047
摘要： Systems and methods for monetary cards are described. The cards are free from personally identifiable data, e.g., no name or embossment. In an example, the card includes a first number that activates the card and a second number written to the card at activation away from the card manufacturer. This helps prevent theft at the manufacturer. This second account is a bearer account where anyone who knows the account number can withdraw the funds from the account. The account may be funded with either the account number or the authentication number.

19. 发明申请

US20160071098A1 SYSTEMS AND METHODS FOR PERFORMING SECURE TRANSACTIONS THROUGH AN INTERMEDIARY 审中-公开
标题翻译：通过中间人执行安全交易的系统和方法
公开(公告)号：US20160071098A1
公开(公告)日：2016-03-10
申请号：US14843470
申请日：2015-09-02
申请人： Brian Culwell
发明人： Brian Culwell
IPC分类号： G06Q20/38 , G06Q20/34 , G06Q20/02
CPC分类号： G06Q20/383 , G06Q20/02 , G06Q20/027 , G06Q20/342
摘要： Embodiments described herein are directed towards systems and methods for anonymously paying for goods and/or services. Embodiments may enable a user to complete an online transaction for goods and/or services using a gift card, wherein the gift card may not have any information associated with the user.
摘要翻译：本文描述的实施例涉及用于匿名支付商品和/或服务的系统和方法。实施例可以使得用户能够使用礼品卡完成用于商品和/或服务的在线交易，其中礼品卡可以不具有与用户相关联的任何信息。

20. 发明申请

US20150356523A1 DECENTRALIZED IDENTITY VERIFICATION SYSTEMS AND METHODS 审中-公开
公开(公告)号：US20150356523A1
公开(公告)日：2015-12-10
申请号：US14298906
申请日：2014-06-07
申请人： ChainID LLC
发明人： William Evan Madden
IPC分类号： G06Q20/06 , G06Q20/38 , H04L9/32
CPC分类号： G06Q20/065 , G06Q20/38215 , G06Q20/383 , G06Q2220/00 , H04L9/3236 , H04L9/3247 , H04L2209/56
摘要： The present invention involves systems and methods that allow participants in cryptocurrency networks to exchange cryptocurrency for traditional currency legally and safely without requiring the use of a traditional exchange or online brokerage as a fiduciary. The invention accomplishes this through the use of a decentralized identity verification protocol that allows a service provider to verify the identity of a participant and then publish an identity signature on the participant's cryptocurrency address or addresses. The invention enables full compliance with Country specific customer identification program and anti-money laundering requirements, and maintains the ability to independently satisfy requests for information or data retention requirements if requested by legally authorized parties, but does not require that the participant store the private keys or access controls to their cryptocurrency on an exchange or brokerage service.The invention serves to verify a participant's identity in full compliance with US Bank Secrecy and Patriot Act provisions or similar regulations where identification may be achieved through non-documentary or documentary identity verification procedures. After passing the applicable verification procedure, the service provider stamps the participant's cryptocurrency address with a transaction containing an identity signature. This identity signature within the transaction consists of a public indicator of the participant's Country and subdivision, a compliance level code, an ID type indicator, and an identity hash. The identity hash is created from the digests of cryptographic hash functions where the participant's personal information is used as an input. The service provider signs the transaction with their authorized private key that corresponds to their publicly accessible public key. This serves as a publicly verifiable confirmation that the identity associated with the address in question was validated by the service provider authorized to act on behalf of the regulatory authority.The participant may then purchase and sell cryptographic currency from and to a third party exchange or brokerage service legally and safely when using their verified cryptocurrency address. This is because the third party is able to confirm compliance by openly referencing and verifying the identity verification transaction present on the address. Subsequent transactions where the third party sells or purchases cryptocurrency for the verified participant are similarly stamped with a transaction conforming to the identity verification protocol. This allows the third party interacting with the verified participant's address to observe any regulations limiting the amount or frequency of transactions over a variable period of time. It follows that this address could be used with any third party or participant in the cryptocurrency network that observes the decentralized identity verification protocol, all without requiring the third party or participant to collect and verify personal information redundantly. The ability to verify an identity remotely also eliminates the need for the third party to act as a fiduciary holding the private keys or access controls to the verified address. Lawful requests for information by authorized authorities are served to the service provider as digitally signed transactions that may then be linked to the participant's identity and transactions, allowing the protocol to observe subpoenas or similar lawful requests for information. The encrypted personal information may be held in escrow by the service provider indexed to the verified cryptocurrency address for such purposes. An alternate embodiment would store the encrypted personal information in a decentralized network of other participants, with the information accessible for retrieval using the public key of the verified cryptocurrency address and decryption using the corresponding private key, decentralizing the process entirely except for the identity verification step.

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