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41. 发明申请

US20060106734A1 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 有权
公开(公告)号：US20060106734A1
公开(公告)日：2006-05-18
申请号：US11321138
申请日：2005-12-28
申请人： Ned Hoffman , Philip Lapsley
发明人： Ned Hoffman , Philip Lapsley
IPC分类号： G06Q99/00
CPC分类号： G06F21/33 , C07K14/53 , G06F21/32 , G06F21/83 , G06F2211/008 , G06F2221/2117 , G06Q20/00 , G06Q20/02 , G06Q20/10 , G06Q20/18 , G06Q20/342 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q20/4014 , G06Q30/0225 , G07C9/00158 , G07F7/025 , H04L63/0428 , H04L63/0823 , H04L63/0861 , H04L67/306 , H04L69/329
摘要： Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module clearinghouse. The steps for processing of the electronic transmissions comprise of a user registration step, wherein a user registers with an electronic identicator at least one registration biometric sample taken directly from the person of the user. A formation of a rule module customized to the user in a rule module clearinghouse, wherein at least one pattern data of a user is associated with at least one execution command of the user. A user identification step, wherein the electronic identicator compares a bid biometric sample taken directly from the person of the user with at least one previously registered biometric sample for producing either a successful or failed identification of the user. In a command execution step, upon successful identification of the user, at least one previously designated rule module of the user is invoked to execute at least one electronic transmission. The above-mentioned steps are conducted in a manner wherein a biometrically authorized electronic transmission is conducted without the user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.

42. 发明申请

US20060083408A1 Biometric tokenless electronic rewards system and method 审中-公开
标题翻译：生物识别无电子奖励系统及方法
公开(公告)号：US20060083408A1
公开(公告)日：2006-04-20
申请号：US11245662
申请日：2005-10-07
申请人： Ned Hoffman , David Pare , Jonathan Lee , Philip Lapsley
发明人： Ned Hoffman , David Pare , Jonathan Lee , Philip Lapsley
IPC分类号： G06K9/00 , G07G1/14
CPC分类号： G06Q30/02 , G06F21/31 , G06F21/32 , G06Q20/02 , G06Q20/18 , G06Q20/387 , G06Q20/40 , G06Q20/4014 , G06Q30/0222 , G06Q30/0225 , G06Q30/0226 , G06Q30/0234 , G06Q30/0236 , G07C9/00142 , G07C9/00158
摘要： Disclosed is a system and method for processing tokenless electronic consumer rewards between a reward provider and a recipient using an electronic identicator comparator and at least one recipient biometric data. The process uses apparatus for creating an electronic registry of a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon the occurrence of predetermined criteria; recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data; recipient identification, wherein the identicator comparator compares a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient; and recipient rewards issuance, wherein the rewards provider issues rewards to the recipient. This method and system can process an electronic consumer rewards transaction without the recipient using any unique identification tokens.
摘要翻译：公开了一种用于使用电子识别器比较器和至少一个接收者生物测定数据来处理奖励提供者和接收者之间的无令牌电子消费者奖励的系统和方法。该过程使用用于创建奖励提供者的产品或服务的电子注册表的装置，每个产品或服务具有预定的奖励值，根据预定标准的发生，奖励被支付给接收者; 收件人注册，其中所述接收者向所述电子标识符比较器注册至少一个注册生物特征样本和接收者特定数据; 其中所述识别者比较器将接收者投标生物特征样本与先前注册的生物特征样本进行比较，以产生接收者的成功或失败的标识; 和收款人奖励发行，其中奖励提供者向收件人发放奖励。该方法和系统可以处理电子消费者回报交易，而不使用任何唯一的识别令牌。

43. 发明申请

US20060029261A1 Tokenless electronic transaction system 有权
公开(公告)号：US20060029261A1
公开(公告)日：2006-02-09
申请号：US11245624
申请日：2005-10-07
申请人： Ned Hoffman , David Pare , Jonathan Lee
发明人： Ned Hoffman , David Pare , Jonathan Lee
IPC分类号： G06K9/00 , G06Q99/00
CPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/401 , G06Q20/4014 , G07C9/00158 , G07C9/00166 , H04L9/3226 , H04L9/3231 , H04L63/0861 , H04L2209/56
摘要： The invention as described provides a method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. The method comprises the steps of registering a buyer, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account. The method also includes a seller registration step, wherein the seller registers with the computer system at least one seller financial account. In a proposal step, the seller offers a proposed commercial transaction to the buyer usually comprising price information. If the buyer accepts the seller's proposal, in an acceptance step, the buyer signals his/her acceptance by adding to the proposed commercial transaction the buyer's personal authentication information comprising a PIN and at least one bid biometric sample which is obtained from the buyer's person. In a transmission step, the bid biometric sample and PIN are forwarded to the computer system. The computer system compares the bid biometric sample with registration biometric samples for producing either a successful or failed identification of the buyer in a buyer identification step. Upon determination of sufficient resources, a financial account of the buyer is debited and a financial account of the seller is credited, in a payment step. Therefore, a commercial transaction is conducted without the buyer having to use any portable man-made memory devices such as smartcards or swipe cards.

44. 发明授权

US06985608B2 Tokenless electronic transaction system 失效
公开(公告)号：US06985608B2
公开(公告)日：2006-01-10
申请号：US10619990
申请日：2003-07-14
申请人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee
发明人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee
IPC分类号： G06K9/00
CPC分类号： G07C9/00142 , G01F19/005 , G06F21/32 , G06F21/554 , G06F21/83 , G06F21/86 , G06F2211/008 , G06F2221/2117 , G06K9/00087 , G06K9/6255 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/18 , G06Q20/26 , G06Q20/341 , G06Q20/401 , G06Q20/4014 , G06Q20/40145 , G06Q20/4097 , G06Q30/02 , G06Q30/06 , G06Q40/04 , G07C9/00134 , G07C9/00158 , G07F7/1008 , G07F19/201 , G07F19/207 , H04L63/04 , H04L63/0428 , H04L63/0442 , H04L63/083 , H04L63/0861 , H04L63/12 , H04L2463/102
摘要： The invention as described provides a method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. The method comprises the steps of registering a buyer, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account. The method also includes a seller registration step, wherein the seller registers with the computer system at least one seller financial account. In a proposal step, the seller offers a proposed commercial transaction to the buyer usually comprising price information. If the buyer accepts the seller's proposal, in an acceptance step, the buyer signals his/her acceptance by adding to the proposed commercial transaction the buyer's personal authentication information comprising a PIN and at least one bid biometric sample which is obtained from the buyer's person. In a transmission step, the bid biometric sample and PIN are forwarded to the computer system. The computer system compares the bid biometric sample with registration biometric samples for producing either a successful or failed identification of the buyer in a buyer identification step. Upon determination of sufficient resources, a financial account of the buyer is debited and a financial account of the seller is credited, in a payment step. Therefore, a commercial transaction is conducted without the buyer having to use any portable man-made memory devices such as smartcards or swipe cards.

45. 发明授权

US06980670B1 Biometric tokenless electronic rewards system and method 有权
标题翻译：生物识别无电子奖励系统及方法
公开(公告)号：US06980670B1
公开(公告)日：2005-12-27
申请号：US09794810
申请日：2001-02-26
申请人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee , Philip Dean Lapsley
发明人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee , Philip Dean Lapsley
IPC分类号： G06F21/00 , G06K9/00 , G06Q20/00 , G06Q30/00 , G07C9/00 , G06F17/60
CPC分类号： G06Q30/02 , G06F21/31 , G06F21/32 , G06Q20/02 , G06Q20/18 , G06Q20/387 , G06Q20/40 , G06Q20/4014 , G06Q30/0222 , G06Q30/0225 , G06Q30/0226 , G06Q30/0234 , G06Q30/0236 , G07C9/00142 , G07C9/00158
摘要： Disclosed is a system and method for processing tokenless electronic consumer rewards between a reward provider and a recipient using an electronic identicator comparator and at least one recipient biometric data. The process uses apparatus for creating an electronic registry of a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon the occurrence of predetermined criteria; recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data; recipient identification, wherein the identicator comparator compares a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient; and recipient rewards issuance, wherein the rewards provider issues rewards to the recipient. This method and system can process an electronic consumer rewards transaction without the recipient using any unique identification tokens.
摘要翻译：公开了一种用于使用电子识别器比较器和至少一个接收者生物测定数据来处理奖励提供者和接收者之间的无令牌电子消费者奖励的系统和方法。该过程使用用于创建奖励提供者的产品或服务的电子注册表的装置，每个产品或服务具有预定的奖励值，根据预定标准的发生，奖励被支付给接收者; 收件人注册，其中所述接收者向所述电子标识符比较器注册至少一个注册生物特征样本和接收者特定数据; 其中所述识别者比较器将接收者投标生物特征样本与先前注册的生物特征样本进行比较，以产生接收者的成功或失败的标识; 和收款人奖励发行，其中奖励提供者向收件人发放奖励。该方法和系统可以处理电子消费者回报交易，而不使用任何唯一的识别令牌。

46. 发明授权

US06269348B1 Tokenless biometric electronic debit and credit transactions 有权
标题翻译：无记名的生物识别电子借记和信用交易
公开(公告)号：US06269348B1
公开(公告)日：2001-07-31
申请号：US09239570
申请日：1999-01-29
申请人： David Ferrin Pare, Jr. , Ned Hoffman , Jonathan Alexander Lee
发明人： David Ferrin Pare, Jr. , Ned Hoffman , Jonathan Alexander Lee
IPC分类号： G06F1760
CPC分类号： H04L63/04 , G01F19/005 , G06F21/32 , G06F21/554 , G06F21/83 , G06F21/86 , G06F2211/008 , G06F2221/2117 , G06K9/00087 , G06K9/6255 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/0855 , G06Q20/10 , G06Q20/108 , G06Q20/12 , G06Q20/18 , G06Q20/206 , G06Q20/341 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/4012 , G06Q20/4014 , G06Q20/40145 , G06Q20/4097 , G06Q30/02 , G06Q40/00 , G07C9/00134 , G07C9/00158 , G07F7/1008 , G07F11/002 , G07F19/201 , G07F19/207 , H04L63/0428 , H04L63/0442 , H04L63/083 , H04L63/0861 , H04L63/123 , H04L2463/102
摘要： The invention satisfies these needs by providing a method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic third party identicator and at least one payor bid biometric sample. The method comprises a payor registration step, wherein the payor registers with an electronic third party identicator at least one registration biometric sample, and at least one payor credit/debit account. The payee registers a payee identification data with the electronic third party identicator. An electronic financial transaction is formed between the payor and the payee, comprising payee bid identification data, a transaction amount, and at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person, in a transaction formation step. The payee bid identification data, the transaction amount, and payor bid biometric sample are electronically forwarded to the third party electronic identicator. A comparator engine compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor. The comparator engine also compares the payee's bid identification data with a payee's registered identification data for producing either a successful or failed identification of the payee. Once the device successfully identifies the payor and payee, a biometric-based authorization of an electronic payment is issued without the payor presenting any personalized man-made tokens such as magnetic swipe cards or smartcards to transfer funds from the payor's financial credit/debit account to the payee's financial account.
摘要翻译：本发明通过提供一种使用电子第三方识别器和至少一个付费者出价生物特征样本在付款人和收款人之间进行无偿授权的方法和装置来满足这些需求。该方法包括付款人注册步骤，其中付款人向电子第三方识别器注册至少一个注册生物特征样本，以及至少一个支付者信用/借记帐户。收款人向电子第三方识别者注册收款人识别数据。在交易形成步骤中，在付款人和收款人之间形成电子金融交易，包括收款人投标识别数据，交易金额和至少一个付款人投标生物特征样本，其中投标生物特征样本是从付款人获得的。收款人出价识别数据，交易金额和付款人出价生物特征样本以电子方式转发给第三方电子识别器。比较引擎将投标生物特征样本与至少一个注册的生物特征样本进行比较，以产生付款人的成功或失败的标识。比较引擎还将收款人的出价识别数据与收款人的注册识别数据进行比较，以生成收款人的成功或失败的标识。一旦设备成功识别付款人和收款人，就会发行电子支付的基于生物特征的授权，而付款人不会出示任何个性化的人造令牌，例如磁性刷卡或智能卡，以将资金从付款人的金融信用/借记帐户转移到收款人的财务账户。

47. 发明授权

US5870723A Tokenless biometric transaction authorization method and system 失效
标题翻译：无标记生物识别交易授权方法和系统
公开(公告)号：US5870723A
公开(公告)日：1999-02-09
申请号：US705399
申请日：1996-08-29
申请人： David Ferrin Pare, Jr. , Ned Hoffman , Jonathan Alexander Lee
发明人： David Ferrin Pare, Jr. , Ned Hoffman , Jonathan Alexander Lee
IPC分类号： G06F1/00 , G06F21/00 , G06K9/00 , G06K9/62 , G06Q20/00 , G06Q30/00 , G07C9/00 , G07F7/10 , H04L29/06 , G06F17/60
CPC分类号： H04L63/02 , G06F21/32 , G06F21/554 , G06F21/83 , G06F21/86 , G06K9/00087 , G06K9/6255 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/18 , G06Q20/341 , G06Q20/4014 , G06Q20/40145 , G06Q20/4097 , G06Q30/02 , G07C9/00158 , G07F11/002 , G07F19/201 , G07F19/207 , G07F7/10 , G07F7/1008 , H04L63/04 , H04L63/0861 , G06F2211/008 , G06F2221/2117 , G07C2209/14 , H04L2463/102 , H04L63/0428
摘要： A method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. A transaction is proposed by a seller, and the buyer signals his acceptance by entering his personal authentication information comprising a PIN and at least one biometric sample, forming a commercial transaction message. The commercial transaction message is forwarded to the computer system, where the computer system compares the personal authentication information in the commercial transaction message with previously registered buyer biometric samples. If the computer system successfully identifies the buyer, a financial account of the buyer is debited and a financial account of the seller is credited, and the results of the transaction are presented to both buyer and seller. As a result of the invention, a buyer can conduct commercial transactions without having to use any tokens such as portable man-made memory devices such as smartcards or swipe cards. The invention allows buyers to quickly select one of a group of different financial accounts from which to transfer funds. The invention further indicates to the user that the authentic computer system was accessed by the use of a private code that is returned to the buyer after the identification is complete. The invention additionally permits an authorized buyer to alert authorities in the event of an emergency, such as when a transaction is coerced.
摘要翻译：一种用于使用计算机系统对买方和卖方之间的商业交易进行无标记授权的方法和系统。交易由卖方提出，并且买方通过输入包括PIN和至少一个生物特征样本的个人认证信息来形成商业交易消息来指示他接受。商业交易消息被转发到计算机系统，其中计算机系统将商业交易消息中的个人认证信息与先前登记的买方生物特征样本进行比较。如果计算机系统成功识别买方，则将借记一笔买方的财务账户，并将该卖方的财务账户记入贷方，并将交易结果提交给买方和卖方。作为本发明的结果，买方可以进行商业交易，而不必使用诸如智能卡或刷卡之类的便携式人造存储装置的令牌。本发明允许买家快速选择一组不同的财务账户，从中转入资金。本发明还向用户指出，通过使用在识别完成之后返回给买方的专用代码来访问真实的计算机系统。本发明还允许授权买方在发生紧急情况时提醒当局，例如当交易被强制时。

48. 发明授权

US5820526A Exercise apparatus 失效
标题翻译：运动器材
公开(公告)号：US5820526A
公开(公告)日：1998-10-13
申请号：US408894
申请日：1995-03-22
申请人： Ned Hoffman
发明人： Ned Hoffman
IPC分类号： A63B21/065 , A63B31/04 , A63B21/06
CPC分类号： A63B21/065 , A63B31/04
摘要： An exercise glove for strapping weights (108) to a user's hand. The exercise glove may be used in water for swimming or on land for jogging or other exercise. A weight is inserted into a pocket (106) on a support (103) for placement on the backhand portion of the user's hand. The weight is removable from the pocket to permit variability of the amount of weight carried in proportion to desired muscle stress. The exercise glove may include a plurality of pockets for insertion of a plurality of weights. For use in swimming or other water sports the glove includes webbing (170) extending between form fitting finger sleeves (118), which cooperates with the weights (106) to provide improved training. The glove may also be formed with quick-removal loops (402) in place of or in addition to the webbing (170).
摘要翻译：用于将用于捆扎重物（108）的运动手套用于使用者的手。运动手套可以用于水中游泳或在陆地上用于慢跑或其他运动。将重物插入到支撑件（103）上的口袋（106）中以放置在使用者的手的反手部分上。重量可以从口袋中取出，以允许与所需的肌肉应力成比例地携带的重量的变化。锻炼手套可以包括用于插入多个重物的多个口袋。为了用于游泳或其他水上运动，手套包括在配合手指套（118）之间延伸的织带（170），其与配重（106）配合以提供改进的训练。手套还可以形成有快速移除环（402），代替织带（170）或除织带（170）之外。

49. 发明授权

US11288666B1 System and method for real-time processing of on-line financial transactions using a universal financial token and a remotely located rule-module clearinghouse 有权
公开(公告)号：US11288666B1
公开(公告)日：2022-03-29
申请号：US11305448
申请日：2005-12-15
申请人： Ned Hoffman
发明人： Ned Hoffman
IPC分类号： G06Q20/40 , G06F21/34 , G06Q20/30
摘要： A method and a system for conducting financial transactions that include a user selecting from a plurality of proprietary financial accounts to authorize processing of a real-time, on-line electronic financial transaction using only one universal financial token and a remotely located rule-module clearinghouse. The universal financial token is a portable wireless proximity token for universal financial account access having dedicated short range contactless communications capabilities and is encoded with a user's unique user code. The rule-module clearinghouse contains at least one rule-module registered to a user which includes at least one pattern data of a user associated with at least one execution command of the user.

50. 发明申请

US20210278059A1 DIGITAL LAMPSHADE DISPLAY AND METHODS THEREOF 有权
公开(公告)号：US20210278059A1
公开(公告)日：2021-09-09
申请号：US16005603
申请日：2018-06-11
申请人： Peter Garrett , Paul Regen , Mark Boys , Ned Hoffman
发明人： Peter Garrett , Paul Regen , Mark Boys , Ned Hoffman
IPC分类号： F21V1/16 , G06F3/14 , G09G3/00 , H04W76/10 , G08C17/02 , F21V1/04 , F21V23/04
摘要： The present invention creates the world's first Digital Lampshade Display utilizing new lighting and display technologies such as Organic Light Emitting Diodes (OLED), Active-Matrix Organic Light-Emitting Diodes (AMOLED), Organic Light Emitting
Transistors (OLET), and E-Ink, among others. The invention herein can emit light from both the exterior and interior surface(s) of its lampshade, and will provide the user with a display upon which digital images and non-static motion imagery may be viewed. The invention will further allow the user to download images and motion imagery onto its display lampshade, to change a room's decorative and aesthetic feel. The invention will further enable the user to use the Wireless Remote Control to control the lampshade's functions such as adjusting brightness and/or contrast, selecting images to display, etc. Thus the invention herein will give the user the ability to customize on-command the color, design, pattern, and illumination characteristics of their lampshade(s).

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