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1. 发明申请

US20070174448A1 Method and system for notifying customers of transaction opportunities 有权
标题翻译：通知客户交易机会的方法和系统
公开(公告)号：US20070174448A1
公开(公告)日：2007-07-26
申请号：US11395162
申请日：2006-04-03
申请人： Arun Ahuja , Ramadurai Vaidyanathan , Anand Tata , Grigor Markarian , Joe Pan , Peter Tompkins
发明人： Arun Ahuja , Ramadurai Vaidyanathan , Anand Tata , Grigor Markarian , Joe Pan , Peter Tompkins
IPC分类号： G06F15/173
CPC分类号： G06Q20/00 , G06Q10/10 , G06Q20/10 , G06Q20/382 , G06Q20/4016 , G06Q20/403 , G06Q40/02 , G06Q40/04
摘要： A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts. Alternatively, or in addition thereto, the notification system may be used to forward transaction code(s) to customers for verification of a request for high risk transaction(s) with respect to a customer's financial account. The transaction code is generated in response to a high risk transaction request and sent to through an identified customer notification means, e.g., e-mail, short message service (“SMS”), facsimile, mobile phone, telephone, etc. The customer must enter the transaction code within a predetermined amount of time in order to verify the high-risk transaction request.
摘要翻译：独立的通知系统，包括一个通知服务器，该通知服务器产生用于在一个或多个他们的财务帐户上提醒客户潜在的欺诈活动的电子消息。或者或除此之外，通知系统可以用于将交易代码转发给客户以验证关于客户的金融账户的高风险交易的请求。交易代码是响应于高风险交易请求产生的，并通过识别的客户通知手段（例如电子邮件，短信服务（SMS）），传真机，移动电话，电话等发送。客户必须在预定时间内输入交易代码，以验证高风险交易请求。

2. 发明申请

US20110307366A1 METHOD AND SYSTEM FOR NOTIFYING CUSTOMERS OF TRANSACTION OPPORTUNITIES 审中-公开
标题翻译：用于通知交易机会客户的方法和系统
公开(公告)号：US20110307366A1
公开(公告)日：2011-12-15
申请号：US13159038
申请日：2011-06-13
申请人： Arun Ahuja , Ramadurai Vaidyanathan , Anand Tata , Grigor Markarian , Joe Pan , Peter Tompkins
发明人： Arun Ahuja , Ramadurai Vaidyanathan , Anand Tata , Grigor Markarian , Joe Pan , Peter Tompkins
IPC分类号： G06Q40/00
CPC分类号： G06Q20/00 , G06Q10/10 , G06Q20/10 , G06Q20/382 , G06Q20/4016 , G06Q20/403 , G06Q40/02 , G06Q40/04
摘要： A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial accounts. Alternatively, or in addition thereto, the notification system may be used to forward transaction code(s) to customers for verification of a request for high risk transaction(s) with respect to a customer's financial account. The transaction code is generated in response to a high risk transaction request and sent to through an identified customer notification means, e.g., e-mail, short message service (“SMS”), facsimile, mobile phone, telephone, etc. The customer must enter the transaction code within a predetermined amount of time in order to verify the high-risk transaction request.
摘要翻译：独立的通知系统，包括一个通知服务器，该通知服务器产生用于在一个或多个他们的财务帐户上提醒客户潜在的欺诈活动的电子消息。或者或除此之外，通知系统可以用于将交易代码转发给客户以验证关于客户的金融账户的高风险交易的请求。交易代码是响应于高风险交易请求产生的，并通过识别的客户通知手段（例如电子邮件，短信服务（SMS）），传真机，移动电话，电话等发送。客户必须在预定时间内输入交易代码，以验证高风险交易请求。

3. 发明申请

US20110112963A1 METHOD AND SYSTEM FOR AUTOMATICALLY HARMONIZING ACCESS TO A SOFTWARE APPLICATION PROGRAM VIA DIFFERENT ACCESS DEVICES 有权
标题翻译：用于通过不同访问设备自动协调访问软件应用程序的方法和系统
公开(公告)号：US20110112963A1
公开(公告)日：2011-05-12
申请号：US13004294
申请日：2011-01-11
申请人： Michael L. GRANDCOLAS , Wendell W. ANTHONY , Patrick LAW , Leslie MOSS , Teresa A. PETACH , Peter TOMPKINS
发明人： Michael L. GRANDCOLAS , Wendell W. ANTHONY , Patrick LAW , Leslie MOSS , Teresa A. PETACH , Peter TOMPKINS
IPC分类号： G06Q40/00
CPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/3672 , G06Q20/3674 , G06Q20/38 , G06Q20/3821 , G06Q20/401 , G06Q40/00 , G07F7/00 , G07F17/16 , G07F19/20 , G07F19/206 , G07F19/211 , H04L67/28 , H04L67/2823 , H04L67/2828 , H04L67/30 , H04L67/36 , Y10S707/99945 , Y10S707/99948 , Y10S715/962 , Y10S715/969
摘要： A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.
摘要翻译：方法和系统通过不同的访问设备自动协调对给定软件应用程序的访问。通过使用该方法和系统，金融机构可以向使用诸如网络浏览器，屏幕电话和个人计算机之类的不同访问设备的客户提供对给定应用（例如自动账单支付服务）的访问。一个单一的应用程序是所有需要由金融机构编写和维护的。此外，该方法和系统使金融机构能够“利用”现有计划，因为现在该机构可以自动将其现有存储的程序服务“投影”到新的访问设备 - 这些程序创建时可能尚未存在。通过经由用户的访问设备从用户接收信息，包括识别正在使用的设备的类型的信息和用户希望访问的应用程序，本发明解决了这些问题。然后访问应用程序，并且识别要显示给用户的信息。该信息将自动转换为与设备兼容的格式，包括其显示，并发送到设备进行显示。用户又响应于显示的信息输入信息，并且该输入信息被自动转换成与应用程序兼容的格式并被发送到应用程序。应用程序产生的响应自动转换为与设备兼容，并发送到设备。

4. 发明申请

US20070053518A1 Method and system for conducting financial and non-financial transactions using a wireless device 有权
标题翻译：使用无线设备进行财务和非金融交易的方法和系统
公开(公告)号：US20070053518A1
公开(公告)日：2007-03-08
申请号：US11447261
申请日：2006-06-06
申请人： Peter Tompkins , Jennifer Vos , Arun Ahuja
发明人： Peter Tompkins , Jennifer Vos , Arun Ahuja
IPC分类号： H04L9/00
CPC分类号： H04W12/06 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/3552 , G06Q40/02 , G07F7/1008 , H04L63/08 , H04M1/72525 , H04W4/60 , H04W60/00
摘要： The present invention relates to a method for conducting transactions, such as standard banking transactions, using a wireless device, such as a cellular telephone, personal digital assistant, and other web-enabled wireless devices utilizing software downloaded to the wireless device. The software provides a user with interface screens on the display of the wireless device for facilitating information requests to a service provider having access to at least one account of the user.
摘要翻译：本发明涉及使用无线设备（诸如蜂窝电话，个人数字助理，以及使用下载到无线设备的软件的其他支持web的无线设备）进行诸如标准银行交易的交易的方法。该软件向用户提供无线设备的显示器上的接口屏幕，以便于向可访问用户的至少一个帐户的服务提供商提供信息请求。

5. 发明申请

US20050135345A1 Systems and methods for distributing information to a diverse plurality of devices 审中-公开
公开(公告)号：US20050135345A1
公开(公告)日：2005-06-23
申请号：US11043088
申请日：2005-01-27
申请人： Alan Young , Peter Tompkins , Michael Grandcolas
发明人： Alan Young , Peter Tompkins , Michael Grandcolas
IPC分类号： G06Q20/00 , G06Q30/00 , G07F7/08 , G07F7/10 , H04L29/06 , H04L29/08 , H04M3/493 , H04M7/12 , H04L12/66
CPC分类号： H04L63/0281 , G06Q20/04 , G06Q20/12 , G06Q20/16 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/363 , G06Q30/06 , G07F7/0866 , G07F7/0886 , G07F7/1008 , H04L29/06 , H04L67/16 , H04L67/26 , H04L67/28 , H04L67/2823 , H04L67/2842 , H04L67/42 , H04L69/08 , H04L69/329 , H04M3/493 , H04M7/0012 , H04M7/12
摘要： The present invention allows a customer to use any of a number of a plurality of devices to access data and make transactions using an institution's computers and databases from many different locations throughout the world. As an example, a banking customer may use either a telephone, a palm computer or a television to determine his checking account balance while vacationing in a foreign country. The present invention operates by connecting the customer to the desired computer and database using universal protocol so that location becomes irrelevant. Another feature of the present invention is the efficient use of different networks with varying transmission speeds.

6. 发明授权

US09607292B1 Method and system for controlling certificate based open payment transactions 有权
公开(公告)号：US09607292B1
公开(公告)日：2017-03-28
申请号：US13348748
申请日：2012-01-12
申请人： Joseph C. Kawan , Ronald King-Hang Chu , Charles Golvin , Peter Tompkins
发明人： Joseph C. Kawan , Ronald King-Hang Chu , Charles Golvin , Peter Tompkins
IPC分类号： G06Q40/00 , G06Q20/10
CPC分类号： G06Q20/145 , G06F21/105 , G06F21/121 , G06F2221/0753 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/38215 , G06Q20/3829 , G06Q20/405 , G06Q40/00 , G06Q2220/18
摘要： Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.

7. 发明授权

US07233925B1 Method and system for automatically harmonizing access to a software application program via different access devices 有权
标题翻译：用于通过不同的访问设备自动协调对软件应用程序的访问的方法和系统
公开(公告)号：US07233925B1
公开(公告)日：2007-06-19
申请号：US09240588
申请日：1999-02-01
申请人： Michael L. Grandcolas , Wendell W. Anthony , Patrick Law , Leslie Moss , Teresa A. Petach , Peter Tompkins
发明人： Michael L. Grandcolas , Wendell W. Anthony , Patrick Law , Leslie Moss , Teresa A. Petach , Peter Tompkins
IPC分类号： G06F17/60
CPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/3672 , G06Q20/3674 , G06Q20/38 , G06Q20/3821 , G06Q20/401 , G06Q40/00 , G07F7/00 , G07F17/16 , G07F19/20 , G07F19/206 , G07F19/211 , H04L67/28 , H04L67/2823 , H04L67/2828 , H04L67/30 , H04L67/36 , Y10S707/99945 , Y10S707/99948 , Y10S715/962 , Y10S715/969
摘要： A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.
摘要翻译：方法和系统通过不同的访问设备自动协调对给定软件应用程序的访问。通过使用该方法和系统，金融机构可以向使用诸如网络浏览器，屏幕电话和个人计算机之类的不同访问设备的客户提供对给定应用（例如自动账单支付服务）的访问。一个单一的应用程序是所有需要由金融机构编写和维护的。此外，该方法和系统使金融机构能够“利用”现有计划，因为现在该机构可以自动将其现有存储的程序服务“投影”到新的访问设备 - 这些程序创建时可能尚未存在。通过经由用户的访问设备从用户接收信息，包括识别正在使用的设备的类型的信息和用户希望访问的应用程序，本发明解决了这些问题。然后访问应用程序，并且识别要显示给用户的信息。该信息将自动转换为与设备兼容的格式，包括其显示，并发送到设备进行显示。用户又响应于显示的信息输入信息，并且该输入信息被自动转换成与应用程序兼容的格式并被发送到应用程序。应用程序产生的响应自动转换为与设备兼容，并发送到设备。

8. 发明授权

US06850991B1 Systems and methods for distributing information to a diverse plurality of devices 有权
标题翻译：用于向不同的多个设备分发信息的系统和方法
公开(公告)号：US06850991B1
公开(公告)日：2005-02-01
申请号：US09468945
申请日：1999-12-22
申请人： Alan Young , Peter Tompkins , Michael Grandcolas
发明人： Alan Young , Peter Tompkins , Michael Grandcolas
IPC分类号： G06Q20/00 , G06Q30/00 , G07F7/08 , G07F7/10 , H04L29/06 , H04L29/08 , H04M3/493 , H04M7/12 , G06F15/16
CPC分类号： H04L63/0281 , G06Q20/04 , G06Q20/12 , G06Q20/16 , G06Q20/32 , G06Q20/327 , G06Q20/341 , G06Q20/363 , G06Q30/06 , G07F7/0866 , G07F7/0886 , G07F7/1008 , H04L29/06 , H04L67/16 , H04L67/26 , H04L67/28 , H04L67/2823 , H04L67/2842 , H04L67/42 , H04L69/08 , H04L69/329 , H04M3/493 , H04M7/0012 , H04M7/12
摘要： The present invention allows a customer to use any of a number of a plurality of devices to access data and make transactions using an institution's computers and databases from many different locations throughout the world. As an example, a banking customer may use either a telephone, a palm computer or a television to determine his checking account balance while vacationing in a foreign country. The present invention operates by connecting the customer to the desired computer and database using universal protocol so that location becomes irrelevant. Another feature of the present invention is the efficient use of different networks with varying transmission speeds.
摘要翻译：本发明允许客户使用多个设备中的任何一个来访问数据，并使用来自世界各地许多不同位置的机构的计算机和数据库进行交易。例如，银行客户可以使用电话，掌上电脑或电视来在外国度假期间确定他的支票账户余额。本发明通过使用通用协议将客户连接到期望的计算机和数据库来操作，使得位置变得不相关。本发明的另一个特征是具有不同传输速度的不同网络的有效使用。

9. 发明授权

US06332131B1 Method and system for automatically harmonizing access to a software application program via different access devices 有权
标题翻译：用于通过不同的访问设备自动协调对软件应用程序的访问的方法和系统
公开(公告)号：US06332131B1
公开(公告)日：2001-12-18
申请号：US09136362
申请日：1998-08-19
申请人： Michael L. Grandcolas , Wendell W. Anthony , Patrick Law , Leslie Moss , Teresa A. Petach , Peter Tompkins
发明人： Michael L. Grandcolas , Wendell W. Anthony , Patrick Law , Leslie Moss , Teresa A. Petach , Peter Tompkins
IPC分类号： G06F1760
CPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/3672 , G06Q20/3674 , G06Q20/38 , G06Q20/3821 , G06Q20/401 , G06Q40/00 , G07F7/00 , G07F17/16 , G07F19/20 , G07F19/206 , G07F19/211 , H04L67/28 , H04L67/2823 , H04L67/2828 , H04L67/30 , H04L67/36 , Y10S707/99945 , Y10S707/99948 , Y10S715/962 , Y10S715/969
摘要： A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.
摘要翻译：方法和系统通过不同的访问设备自动协调对给定软件应用程序的访问。通过使用该方法和系统，金融机构可以向使用诸如网络浏览器，屏幕电话和个人计算机之类的不同访问设备的客户提供对给定应用（例如自动账单支付服务）的访问。一个单一的应用程序是所有需要由金融机构编写和维护的。此外，该方法和系统使金融机构能够“利用”现有计划，因为现在该机构可以自动将其现有存储的程序服务“投影”到新的访问设备 - 这些程序创建时可能尚未存在。通过经由用户的访问设备从用户接收信息，包括识别正在使用的设备的类型的信息和用户希望访问的应用程序，本发明解决了这些问题。然后访问应用程序，并且识别要显示给用户的信息。该信息将自动转换为与设备兼容的格式，包括其显示，并发送到设备进行显示。用户又响应于显示的信息输入信息，并且该输入信息被自动转换成与应用程序兼容的格式并被发送到应用程序。应用程序产生的响应自动转换为与设备兼容，并发送到设备。

10. 发明授权

US6073119A Method and system for banking institution interactive center 失效
标题翻译：银行机构互动中心方法与制度
公开(公告)号：US6073119A
公开(公告)日：2000-06-06
申请号：US984331
申请日：1997-12-03
申请人： Sylvia Bornemisza-Wahr , Kevin Sy Lam , Frank McCallick , Roy Sinai , Peter Paradiso , Howard A. Schechtman , Kenneth J. Randall , Peter Tompkins , Teresa A. Petach
发明人： Sylvia Bornemisza-Wahr , Kevin Sy Lam , Frank McCallick , Roy Sinai , Peter Paradiso , Howard A. Schechtman , Kenneth J. Randall , Peter Tompkins , Teresa A. Petach
IPC分类号： G06Q20/10 , G06Q20/18 , G07F7/00 , G07F19/00 , G09B7/00 , H04N7/14
CPC分类号： G06Q20/18 , G06Q20/108 , G07F17/0014 , G07F19/20 , G09B7/00
摘要： This invention generally relates to a banking facility layout and a method and system for networked customer and other user interaction with a variety of functions. These functions include access to networks, such as the internet, email capability, options to view information on banking capabilities, access to home banking, and other electronically-related user functions. The invention incorporates a purpose-designed environment that can be integrated into a branch or other banking institution facility. The invention also includes a video wall feature that allows interaction by networked users; users may take control of portions of the wall and add selected information to these portions.
摘要翻译：本发明一般涉及银行设施布局，以及用于联网的客户和其他用户与各种功能的交互的方法和系统。这些功能包括访问网络，如互联网，电子邮件功能，查看银行业务信息的选项，访问家庭银行业务以及其他与电子相关的用户功能。本发明结合了专门设计的环境，可以集成到分支机构或其他银行机构设施中。本发明还包括允许网络用户进行交互的视频墙特征; 用户可以控制墙的部分并将选择的信息添加到这些部分。

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