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1. 发明授权

US08306916B2 Method and system for digital document management on a mobile device 有权
标题翻译：在移动设备上进行数字文档管理的方法和系统
公开(公告)号：US08306916B2
公开(公告)日：2012-11-06
申请号：US12955326
申请日：2010-11-29
申请人： Amy Sobocinski Romagnoli , Mike Starck , Thomas P. Akana , Loren Barton , Patrick Mesa , Leslie Moore
发明人： Amy Sobocinski Romagnoli , Mike Starck , Thomas P. Akana , Loren Barton , Patrick Mesa , Leslie Moore
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/3226 , G06Q20/3227 , G06Q20/3229 , G06Q20/3278 , G06Q20/354 , G06Q20/3552 , G06Q20/40
摘要： A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment transaction. In an embodiment, a user request for a payment account product is transmitted by the portable device to the middleware server. In response, the middleware server initiates a provisioning process for the requested payment account product, including storing status data indicative of an initiated state of the provisioning process. The middleware server then transmits a digital document to the portable device, including information that must be viewed by the user, and updates the status data indicative of a transmitted state of the digital document. In response to receiving an indication that the digital document has been viewed, the middleware server updates the stored status data indicative of a digital document viewed state. The middleware then provisions an electronic wallet data for the requested payment account product to the portable device.
摘要翻译：描述了一种方法和系统，用于跟踪通过中间件服务器向移动支付系统中的便携式设备供应的过程，用于授权支付交易的电子钱包数据。在一个实施例中，用户对支付帐户产品的请求由便携式设备发送到中间件服务器。作为响应，中间件服务器发起所请求的支付帐户产品的供应过程，包括存储指示供应过程的发起状态的状态数据。然后，中间件服务器将数字文档发送到便携式设备，包括必须由用户观看的信息，并更新指示数字文档的发送状态的状态数据。响应于接收到数字文档被查看的指示，中间件服务器更新指示数字文档查看状态的存储的状态数据。然后中间件为便携式设备提供所请求的支付帐户产品的电子钱包数据。

2. 发明申请

US20120136786A1 METHOD AND SYSTEM FOR DIGITAL DOCUMENT MANAGEMENT ON A MOBILE DEVICE 有权
标题翻译：移动设备上数字文档管理的方法和系统
公开(公告)号：US20120136786A1
公开(公告)日：2012-05-31
申请号：US12955326
申请日：2010-11-29
申请人： Amy Sobocinski Romagnoli , Mike Starck , Thomas P. Akana , Loren Barton , Patrick Mesa , Leslie Moore
发明人： Amy Sobocinski Romagnoli , Mike Starck , Thomas P. Akana , Loren Barton , Patrick Mesa , Leslie Moore
IPC分类号： G06Q20/00
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/3226 , G06Q20/3227 , G06Q20/3229 , G06Q20/3278 , G06Q20/354 , G06Q20/3552 , G06Q20/40
摘要： A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment transaction. In an embodiment, a user request for a payment account product is transmitted by the portable device to the middleware server. In response, the middleware server initiates a provisioning process for the requested payment account product, including storing status data indicative of an initiated state of the provisioning process. The middleware server then transmits a digital document to the portable device, including information that must be viewed by the user, and updates the status data indicative of a transmitted state of the digital document. In response to receiving an indication that the digital document has been viewed, the middleware server updates the stored status data indicative of a digital document viewed state. The middleware then provisions an electronic wallet data for the requested payment account product to the portable device.
摘要翻译：描述了一种方法和系统，用于跟踪通过中间件服务器向移动支付系统中的便携式设备供应的过程，用于授权支付交易的电子钱包数据。在一个实施例中，用户对支付帐户产品的请求由便携式设备发送到中间件服务器。作为响应，中间件服务器发起所请求的支付帐户产品的供应过程，包括存储指示供应过程的发起状态的状态数据。然后，中间件服务器将数字文档发送到便携式设备，包括必须由用户观看的信息，并更新指示数字文档的发送状态的状态数据。响应于接收到数字文档被查看的指示，中间件服务器更新指示数字文档查看状态的存储的状态数据。然后中间件为便携式设备提供所请求的支付帐户产品的电子钱包数据。

3. 发明授权

US09607293B2 Method and system for account management and electronic wallet access on a mobile device 有权
公开(公告)号：US09607293B2
公开(公告)日：2017-03-28
申请号：US12955373
申请日：2010-11-29
申请人： Glenn Curtiss McMillen , David A. Crake , Thomas P. Akana , Loren Barton , Christine Ann Schuetz , Garry Lloyd , Eric Crozier
发明人： Glenn Curtiss McMillen , David A. Crake , Thomas P. Akana , Loren Barton , Christine Ann Schuetz , Garry Lloyd , Eric Crozier
IPC分类号： G06Q20/00 , H04M3/42 , G06Q20/10 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/36
CPC分类号： G06Q20/105 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/3578 , G06Q20/3674
摘要： A method and system are described that facilitate efficient and secured management of a mobile payment account by an electronic wallet on a user portable electronic device, the electronic wallet for conducting payment transactions with a merchant point of sale terminal over a contactless communications link. In an aspect, the electronic wallet provides for the real-time addition of one or more users authorized to use the mobile payment account associated with the electronic wallet from their own respective portable devices, in a secure and efficient manner.

4. 发明申请

US20120136732A1 METHOD AND SYSTEM FOR ACCOUNT MANAGEMENT AND ELECTRONIC WALLET ACCESS ON A MOBILE DEVICE 有权
标题翻译：用于帐户管理和电子钱包访问移动设备的方法和系统
公开(公告)号：US20120136732A1
公开(公告)日：2012-05-31
申请号：US12955373
申请日：2010-11-29
申请人： Glenn Curtiss McMillen , David A. Crake , Thomas P. Akana , Loren Barton , Christine Ann Schuetz , Garry Lloyd , Eric Crozier
发明人： Glenn Curtiss McMillen , David A. Crake , Thomas P. Akana , Loren Barton , Christine Ann Schuetz , Garry Lloyd , Eric Crozier
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/105 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/3578 , G06Q20/3674
摘要： A method and system are described that facilitate efficient and secured management of a mobile payment account by an electronic wallet on a user portable electronic device, the electronic wallet for conducting payment transactions with a merchant point of sale terminal over a contactless communications link. In an aspect, the electronic wallet provides for the real-time addition of one or more users authorized to use the mobile payment account associated with the electronic wallet from their own respective portable devices, in a secure and efficient manner.
摘要翻译：描述了一种方法和系统，其便利于用户便携式电子设备上的电子钱包有效和安全地管理移动支付帐户，电子钱包用于通过非接触式通信链路与商户销售点终端进行支付交易。在一方面，电子钱包提供了一种以安全和有效的方式从被授权使用与其电子钱包相关的移动支付账户的一个或多个用户从其各自的便携式设备实时添加。

5. 发明授权

US10929832B2 Method and system for electronic wallet access 有权
公开(公告)号：US10929832B2
公开(公告)日：2021-02-23
申请号：US13225898
申请日：2011-09-06
申请人： Loren Barton , Eric Crozier , Glenn Curtiss McMillen , David A. Crake , John Bauer , Garry R. Lloyd , Christine Ann Schuetz
发明人： Loren Barton , Eric Crozier , Glenn Curtiss McMillen , David A. Crake , John Bauer , Garry R. Lloyd , Christine Ann Schuetz
IPC分类号： G06Q40/00 , H04L9/00 , G06Q20/32 , G06Q20/36
摘要： A mobile payment system is described that facilitates efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a communication link. In one aspect, a mobile device is configured for transaction operations from a plurality of mobile transaction accounts in an electronic wallet. The mobile device includes a plurality of transaction modules operable to process transaction operations with a respective mobile transaction account, each transaction module configured for transaction operations to be completed after an authentication process using a central authentication module coupled to the plurality of transaction modules, operable to verify a user input passcode and to respond to authentication requests from the plurality of transaction module after the user input passcode is verified. Preferably, at least one of the transaction modules is configured for contactless transaction operations over a contactless communication link.

6. 发明申请

US20130060618A1 Method and System for Electronic Wallet Access 审中-公开
标题翻译：电子钱包存取方法与系统
公开(公告)号：US20130060618A1
公开(公告)日：2013-03-07
申请号：US13225898
申请日：2011-09-06
申请人： Loren Barton , Eric Crozier , Glenn Curtiss McMillen , David A. Crake , John Bauer , Garry R. Lloyd , Christine Ann Schuetz
发明人： Loren Barton , Eric Crozier , Glenn Curtiss McMillen , David A. Crake , John Bauer , Garry R. Lloyd , Christine Ann Schuetz
IPC分类号： G06Q30/06 , G06Q30/02
CPC分类号： G06Q20/3223 , G06Q20/3674
摘要： A mobile payment system is described that facilitates efficient and secured payment transactions from an electronic wallet on a user portable electronic device with a merchant point of sale terminal over a communication link. In one aspect, a mobile device is configured for transaction operations from a plurality of mobile transaction accounts in an electronic wallet. The mobile device includes a plurality of transaction modules operable to process transaction operations with a respective mobile transaction account, each transaction module configured for transaction operations to be completed after an authentication process using a central authentication module coupled to the plurality of transaction modules, operable to verify a user input passcode and to respond to authentication requests from the plurality of transaction module after the user input passcode is verified. Preferably, at least one of the transaction modules is configured for contactless transaction operations over a contactless communication link.
摘要翻译：描述了一种移动支付系统，其便利于通过通信链路具有商户销售点终端的用户便携式电子设备上的电子钱包的有效和安全的支付交易。在一个方面，移动设备被配置用于从电子钱包中的多个移动交易账户进行交易操作。移动设备包括可操作以用相应的移动交易帐户处理交易操作的多个交易模块，每个交易模块被配置用于在使用耦合到多个交易模块的中央认证模块的认证过程之后完成交易操作，验证用户输入密码并在用户输入密码被验证之后响应来自多个交易模块的认证请求。优选地，交易模块中的至少一个被配置用于通过非接触式通信链路进行非接触式交易操作。

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