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1. 发明申请

US20080178260A1 Method and system to verify the identity of a user 有权
标题翻译：验证用户身份的方法和系统
公开(公告)号：US20080178260A1
公开(公告)日：2008-07-24
申请号：US11655647
申请日：2007-01-18
申请人： Michael A. Schwarz , Gregory M. Calcagno , Mark E. Snycerski , Joseph M. Lynam , Jennifer R. Truitt , Brad S. Singer , Donald R. Teague
发明人： Michael A. Schwarz , Gregory M. Calcagno , Mark E. Snycerski , Joseph M. Lynam , Jennifer R. Truitt , Brad S. Singer , Donald R. Teague
IPC分类号： H04L9/32
CPC分类号： G06Q20/4014 , G06Q20/14 , G06Q20/40 , G07C9/00134 , H04L63/08 , H04L63/126
摘要： A method and system to verify the identity of a user are described. The system may include a communications module to receive a billing telephone number and a private data segment associated with a user; an address detector to obtain a street address associated with the user; a private data processor to obtain one or more identification records, utilizing the obtained street address and the private data segment; and a matching module to compare the one or more identification records with the private data segment associated with the user to generate a match result.
摘要翻译：描述用于验证用户身份的方法和系统。系统可以包括用于接收与用户相关联的计费电话号码和专用数据段的通信模块; 地址检测器，用于获得与用户相关联的街道地址; 私人数据处理器，用于获得一个或多个识别记录，利用获得的街道地址和专用数据段; 以及匹配模块，用于将一个或多个识别记录与与用户相关联的私有数据段进行比较以产生匹配结果。

2. 发明申请

US20110187494A1 METHOD AND APPARATUS TO VALIDATE A SUBSCRIBER LINE 有权
公开(公告)号：US20110187494A1
公开(公告)日：2011-08-04
申请号：US12916891
申请日：2010-11-01
申请人： Joe M. Lynam , Ken R. Dawson , M. Brendan Philbin , Jennifer R. Truitt
发明人： Joe M. Lynam , Ken R. Dawson , M. Brendan Philbin , Jennifer R. Truitt
IPC分类号： G06F7/04
CPC分类号： G06Q20/4014 , G06Q20/305 , G06Q20/3224 , G06Q20/325 , G06Q20/40 , H04M3/38 , H04M3/42068 , H04M15/00 , H04M15/41 , H04M15/51 , H04M15/68 , H04M15/70 , H04M15/73 , H04M15/88 , H04M2215/0116 , H04M2215/0164 , H04M2215/0196 , H04M2215/54 , H04M2215/70 , H04M2215/7072
摘要： A method is described of providing validation data associated with a subscriber line of a telecommunication network using a validation system. The method includes obtaining line data of the subscriber line wherein the line data is suitable for interrogating a line identification database (LIDB). The method interrogates the LIDB with the line data to obtain reference subscriber data associated with the line data, and processes the reference subscriber data to obtain validation data associated with the subscriber line. The method includes identifying a local exchange carrier (LEC) associated with the subscriber line to determine if a billing arrangement exists between the validation system and the LEC. The invention extends to a subscriber line validation system to validate a subscriber line of a communication network.

3. 发明申请

US20140089198A1 Method and System to Verify the Identity of a User 审中-公开
标题翻译：验证用户身份的方法和系统
公开(公告)号：US20140089198A1
公开(公告)日：2014-03-27
申请号：US14088303
申请日：2013-11-22
申请人： Michael A. Schwarz , Gregory M. Calcagno , Mark E. Snycerski , Joseph M. Lynam , Jennifer R. Truitt , Brad S. Singer , Donald R. Teague
发明人： Michael A. Schwarz , Gregory M. Calcagno , Mark E. Snycerski , Joseph M. Lynam , Jennifer R. Truitt , Brad S. Singer , Donald R. Teague
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4014 , G06Q20/14 , G06Q20/40 , G07C9/00134 , H04L63/08 , H04L63/126
摘要： A method and system to verify the identity of a user are described. The system may include a communications module to receive a billing telephone number and a private data segment associated with a user; an address detector to obtain a street address associated with the user; a private data processor to obtain one or more identification records, utilizing the obtained street address and the private data segment; and a matching module to compare the one or more identification records with the private data segment associated with the user to generate a match result.
摘要翻译：描述用于验证用户身份的方法和系统。系统可以包括用于接收与用户相关联的计费电话号码和专用数据段的通信模块; 地址检测器，用于获得与用户相关联的街道地址; 私人数据处理器，用于获得一个或多个识别记录，利用获得的街道地址和专用数据段; 以及匹配模块，用于将一个或多个识别记录与与用户相关联的私有数据段进行比较以产生匹配结果。

4. 发明授权

US08379815B2 Method and apparatus to validate a subscriber line 有权
标题翻译：验证用户线路的方法和装置
公开(公告)号：US08379815B2
公开(公告)日：2013-02-19
申请号：US12916891
申请日：2010-11-01
申请人： Joseph M. Lynam , Ken R. Dawson , M. Brendan Philbin , Jennifer R. Truitt
发明人： Joseph M. Lynam , Ken R. Dawson , M. Brendan Philbin , Jennifer R. Truitt
IPC分类号： H04M15/00
CPC分类号： G06Q20/4014 , G06Q20/305 , G06Q20/3224 , G06Q20/325 , G06Q20/40 , H04M3/38 , H04M3/42068 , H04M15/00 , H04M15/41 , H04M15/51 , H04M15/68 , H04M15/70 , H04M15/73 , H04M15/88 , H04M2215/0116 , H04M2215/0164 , H04M2215/0196 , H04M2215/54 , H04M2215/70 , H04M2215/7072
摘要： The computer-implemented method includes receiving a first request via the Internet for a first transaction between a user and a vendor for goods or services. A billing telephone number of the user is then obtained, and the first transaction automatically charged to a subscriber account associated with the billing telephone number. Sometime later, a second request is received via the Internet for a second transaction between the user and a vendor for goods or services. If the second transaction cannot be billed to the subscriber account, an alternative payment method is automatically used.
摘要翻译：计算机实现的方法包括经由因特网接收用于商品或服务的用户和供应商之间的第一交易的第一请求。然后获得用户的记账电话号码，并且第一交易自动收费到与记帐电话号码相关联的用户帐户。稍后，通过因特网接收第二个请求，用于用户和商品或服务的供应商之间的第二次交易。如果第二笔交易无法向订户账户支付，则会自动使用其他付款方式。

5. 发明授权

US08239325B2 Method and system to verify the identity of a user 有权
标题翻译：验证用户身份的方法和系统
公开(公告)号：US08239325B2
公开(公告)日：2012-08-07
申请号：US11655647
申请日：2007-01-18
申请人： Michael A. Schwarz , Gregory M. Calcagno , Mark E. Snycerski , Joseph M Lynam , Jennifer R. Truitt , Brad S. Singer , Donald R. Teague, Jr.
发明人： Michael A. Schwarz , Gregory M. Calcagno , Mark E. Snycerski , Joseph M Lynam , Jennifer R. Truitt , Brad S. Singer , Donald R. Teague, Jr.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4014 , G06Q20/14 , G06Q20/40 , G07C9/00134 , H04L63/08 , H04L63/126
摘要： A method and system to verify the identity of a user are described. The system may include a communications module to receive a billing telephone number and a private data segment associated with a user; an address detector to obtain a street address associated with the user; a private data processor to obtain one or more identification records, utilizing the obtained street address and the private data segment; and a matching module to compare the one or more identification records with the private data segment associated with the user to generate a match result.
摘要翻译：描述用于验证用户身份的方法和系统。系统可以包括用于接收与用户相关联的计费电话号码和专用数据段的通信模块; 地址检测器，用于获得与用户相关联的街道地址; 私人数据处理器，用于获得一个或多个识别记录，利用获得的街道地址和专用数据段; 以及匹配模块，用于将一个或多个识别记录与与用户相关联的私有数据段进行比较以产生匹配结果。

6. 发明申请

US20110182413A1 METHOD AND APPARATUS TO VALIDATE A SUBSCRIBER LINE 有权
标题翻译：确认订户行的方法和装置
公开(公告)号：US20110182413A1
公开(公告)日：2011-07-28
申请号：US13078371
申请日：2011-04-01
申请人： Joe M. Lynam , Ken R. Dawson , M. Brendan Philbin , Jennifer R. Truitt
发明人： Joe M. Lynam , Ken R. Dawson , M. Brendan Philbin , Jennifer R. Truitt
IPC分类号： H04M11/00
CPC分类号： G06Q20/4014 , G06Q20/305 , G06Q20/3224 , G06Q20/325 , G06Q20/40 , H04M3/38 , H04M3/42068 , H04M15/00 , H04M15/41 , H04M15/51 , H04M15/68 , H04M15/70 , H04M15/73 , H04M15/88 , H04M2215/0116 , H04M2215/0164 , H04M2215/0196 , H04M2215/54 , H04M2215/70 , H04M2215/7072
摘要： A method is described of providing validation data associated with a subscriber line of a telecommunication network using a validation system. The method includes obtaining line data of the subscriber line wherein the line data is suitable for interrogating a line identification database (LIDB). The method interrogates the LIDB with the line data to obtain reference subscriber data associated with the line data, and processes the reference subscriber data to obtain validation data associated with the subscriber line. The method includes identifying a local exchange carrier (LEC) associated with the subscriber line to determine if a billing arrangement exists between the validation system and the LEC. The invention extends to a subscriber line validation system to validate a subscriber line of a communication network.
摘要翻译：描述了使用验证系统提供与电信网络的用户线相关联的验证数据的方法。该方法包括获得用户线的线路数据，其中线路数据适合于询问线路识别数据库（LIDB）。该方法使用线路数据询问LIDB以获得与线路数据相关联的参考用户数据，并处理参考用户数据以获得与用户线路相关联的验证数据。该方法包括识别与用户线路相关联的本地交换运营商（LEC），以确定验证系统和LEC之间是否存在计费方案。本发明延伸到用户线路验证系统以验证通信网络的用户线路。

7. 发明授权

US07527194B2 Method and system for processing a transaction 有权
标题翻译：处理交易的方法和系统
公开(公告)号：US07527194B2
公开(公告)日：2009-05-05
申请号：US11098666
申请日：2005-04-04
申请人： Jennifer R. Truitt , M. Brendan Philbin , Joseph M. Lynam , Ken R. Dawson
发明人： Jennifer R. Truitt , M. Brendan Philbin , Joseph M. Lynam , Ken R. Dawson
IPC分类号： G06Q40/00 , G06K5/00
CPC分类号： G06Q30/06 , G06Q20/16 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q30/0601 , G06Q40/02 , G06Q40/025
摘要： A method of, and system for, processing payment for a transaction is provided. The method includes providing a user with an option to select payment for the transaction from an account associated with a communication line via which an electronic terminal is connected to a communication network. The communication line is typically a subscriber line and, accordingly, the account is a telephone account associated with the subscriber line. When a user transacts with a vendor for goods and/or services, the user may request to process payment using the telephone account instead of using a credit or debit card. The method includes investigating data using the telephone number associated with the subscriber line and, selectively approving the transaction dependent upon an outcome of the investigation. The invention extends to a transaction processor interface and to and a transaction validation module. The invention also extends to computer program products including the invention.
摘要翻译：提供了处理交易支付的方法和系统。该方法包括向用户提供从与电子终端连接到通信网络的通信线路相关联的帐户选择交易支付的选项。通信线路通常是用户线路，因此该帐户是与用户线路相关联的电话帐户。当用户与供应商交换商品和/或服务时，用户可以使用电话帐户请求处理支付，而不是使用信用卡或借记卡。该方法包括使用与用户线相关联的电话号码调查数据，并且根据调查结果有选择地批准交易。本发明扩展到交易处理器接口和交易验证模块。本发明还涉及包括本发明的计算机程序产品。

8. 发明申请

US20080175360A1 Method and system to verify the identity of a user 审中-公开
标题翻译：验证用户身份的方法和系统
公开(公告)号：US20080175360A1
公开(公告)日：2008-07-24
申请号：US11953783
申请日：2007-12-10
申请人： Michael A. Schwarz , Gregory M. Calcagno , Mark E. Snycerski , Joseph M. Lynam , Jennifer R. Truitt , Brad S. Singer , Donald R. Teague
发明人： Michael A. Schwarz , Gregory M. Calcagno , Mark E. Snycerski , Joseph M. Lynam , Jennifer R. Truitt , Brad S. Singer , Donald R. Teague
IPC分类号： H04M11/00
CPC分类号： G06Q20/4014 , G06Q20/14 , G06Q20/40 , G07C9/00134 , H04L63/08 , H04L63/126
摘要： A method and system to verify the identity of a user are described. The system may include a communications module to receive a telephone number and a plurality of digits; an address detector to obtain a geographical address associated with a user, based on the telephone number; and a business rules engine to determine whether the plurality of digits correspond to at least a portion of the social security number of the user, utilizing the obtained geographical address and the received plurality of digits.
摘要翻译：描述用于验证用户身份的方法和系统。系统可以包括用于接收电话号码和多个数字的通信模块; 地址检测器，用于基于所述电话号码获得与用户相关联的地理地址; 以及业务规则引擎，用于利用所获得的地理位置和接收的多个数字来确定所述多个数字是否对应于所述用户的社会保障号码的至少一部分。

9. 发明授权

US08681956B2 Method and apparatus to validate a subscriber line 有权
标题翻译：验证用户线路的方法和装置
公开(公告)号：US08681956B2
公开(公告)日：2014-03-25
申请号：US13078371
申请日：2011-04-01
申请人： Joseph M. Lynam , Ken R. Dawson , M. Brendan Philbin , Jennifer R. Truitt
发明人： Joseph M. Lynam , Ken R. Dawson , M. Brendan Philbin , Jennifer R. Truitt
IPC分类号： H04M15/00
CPC分类号： G06Q20/4014 , G06Q20/305 , G06Q20/3224 , G06Q20/325 , G06Q20/40 , H04M3/38 , H04M3/42068 , H04M15/00 , H04M15/41 , H04M15/51 , H04M15/68 , H04M15/70 , H04M15/73 , H04M15/88 , H04M2215/0116 , H04M2215/0164 , H04M2215/0196 , H04M2215/54 , H04M2215/70 , H04M2215/7072
摘要： Automatic number identification (ANI) data or billing telephone number (BTN) data associated with a subscriber account of a telecommunications network is obtained. Thereafter, first reference subscriber data associated with a subscriber is obtained. The first reference subscriber data is different from the ANI data or the BTN data. A first database location is accessed using the ANI data or the BTN data to determine second reference subscriber data. A second database location is accessed using the ANI data or BTN data to determine that the subscriber account associated with the ANI data or BTN data is billable. The first reference subscriber data and the second reference subscriber data are compared, and the identity of the subscriber verified if the first reference subscriber data corresponds to the second reference subscriber data.
摘要翻译：获得与电信网络的订户帐户相关联的自动号码识别（ANI）数据或记帐电话号码（BTN）数据。此后，获得与订户相关联的第一参考用户数据。第一参考用户数据与ANI数据或BTN数据不同。使用ANI数据或BTN数据访问第一数据库位置以确定第二参考用户数据。使用ANI数据或BTN数据访问第二数据库位置，以确定与ANI数据或BTN数据相关联的用户帐户是可计费的。比较第一参考用户数据和第二参考用户数据，并且如果第一参考用户数据对应于第二参考用户数据，则用户的身份被验证。

10. 发明申请

US20120278240A1 Method and System to Verify the Identity of a User 审中-公开
标题翻译：验证用户身份的方法和系统
公开(公告)号：US20120278240A1
公开(公告)日：2012-11-01
申请号：US13549270
申请日：2012-07-13
申请人： Michael A. Schwarz , Gregory M. Calcagno , Mark E. Snycerski , Joseph M. Lynam , Jennifer R. Truitt , Brad S. Singer , Donald R. Teagne, JR.
发明人： Michael A. Schwarz , Gregory M. Calcagno , Mark E. Snycerski , Joseph M. Lynam , Jennifer R. Truitt , Brad S. Singer , Donald R. Teagne, JR.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4014 , G06Q20/14 , G06Q20/40 , G07C9/00134 , H04L63/08 , H04L63/126
摘要： A method and system to verify the identity of a user are described. The system may include a communications module to receive a billing telephone number and a private data segment associated with a user; an address detector to obtain a street address associated with the user; a private data processor to obtain one or more identification records, utilizing the obtained street address and the private data segment; and a matching module to compare the one or more identification records with the private data segment associated with the user to generate a match result.
摘要翻译：描述用于验证用户身份的方法和系统。系统可以包括用于接收与用户相关联的计费电话号码和专用数据段的通信模块; 地址检测器，用于获得与用户相关联的街道地址; 私人数据处理器，用于获得一个或多个识别记录，利用获得的街道地址和专用数据段; 以及匹配模块，用于将一个或多个识别记录与与用户相关联的私有数据段进行比较以产生匹配结果。

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