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1. 发明申请

US20120303425A1 MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：商业消费者桥梁平台设备，方法和系统
公开(公告)号：US20120303425A1
公开(公告)日：2012-11-29
申请号：US13366083
申请日：2012-02-03
申请人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
发明人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
IPC分类号： G06Q30/00 , G06Q30/02 , G06Q20/40 , G06Q20/20 , G06Q20/36
CPC分类号： G06Q20/20 , G06Q20/027 , G06Q20/12 , G06Q20/4016
摘要： The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.
摘要翻译：商业交易平台设备，方法和系统（MCB平台）通过MCB平台组件将各种活动请求（例如，交易请求，商家信息更新请求，发送请求等）转换为交易记录和商家数据库更新输出。在一个实现中，公开了一种方法，包括：接收包括与商家相关联的商家信息的活动请求; 从数据库检索先前存储的商家记录; 基于所述商家信息和先前存储的商家记录的比较来确定商家信息更新标记; 确定商家信息更新的置信度度; 基于活动请求检索置信度要求; 在低延迟处理时间帧内确定所确定的置信度量度是否满足所检索的置信度要求; 当确定的置信度量度满足所检索的置信度要求时，执行所请求的活动并更新具有商户信息更新标记的先前存储的商家记录; 并且当所确定的置信度量度满足检索的置信度要求时，拒绝活动请求。

2. 发明申请

US20190080307A1 MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
公开(公告)号：US20190080307A1
公开(公告)日：2019-03-14
申请号：US16189792
申请日：2018-11-13
申请人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
发明人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/02 , G06Q20/12
摘要： The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.

3. 发明授权

US10204327B2 Merchant-consumer bridging platform apparatuses, methods and systems 有权
公开(公告)号：US10204327B2
公开(公告)日：2019-02-12
申请号：US13366083
申请日：2012-02-03
申请人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
发明人： Edward Katzin , Phillip L. Kumnick , Theodore David Harris , Patrick Faith , Jennifer A. Schulz
IPC分类号： G06Q20/20 , G06Q20/02 , G06Q20/12 , G06Q20/40
摘要： The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs. In one implementation, a method is disclosed, comprising: receiving an activity request including merchant information associated with a merchant; retrieving a previously stored merchant record from a database; determining merchant information update indicia based on a comparison of the merchant information and the previously stored merchant record; determining a confidence metric for the merchant information update; retrieving a confidence requirement based on the activity request; determining, within a low-latency processing time-frame, whether the determined confidence metric satisfies the retrieved confidence requirement; performing the requested activity and updating the previously stored merchant record with the merchant information update indicia when the determined confidence metric satisfies the retrieved confidence requirement; and declining the activity request when the determined confidence metric satisfies the retrieved confidence requirement.

4. 发明授权

US08554685B2 Method and system using universal ID and biometrics 有权
标题翻译：使用通用ID和生物识别技术的方法和系统
公开(公告)号：US08554685B2
公开(公告)日：2013-10-08
申请号：US13363332
申请日：2012-01-31
申请人： Barbara E. Patterson , Phillip L. Kumnick
发明人： Barbara E. Patterson , Phillip L. Kumnick
IPC分类号： G06Q20/42
CPC分类号： G07F19/201 , G06F21/32 , G06F21/34 , G06Q20/206 , G06Q20/40 , G06Q20/40145 , H04L63/0853 , H04L63/0861 , H04L63/107
摘要： A universal ID and biometrics systems and methods are disclosed. A method includes receiving an authentication request message originating from a user. The authentication request message includes a first identifier and a second identifier, where the second identifier includes biometric data. The method further includes determining a third identifier based on the first identifier and sending the second and third identifiers to a first server computer to determine if the second and third identifiers have a predetermined correlation. The method further includes receiving confirmation of user authentication if the identification system determines that the second and third identifiers have the predetermined correlation.
摘要翻译：公开了通用的ID和生物识别系统和方法。一种方法包括接收来自用户的认证请求消息。认证请求消息包括第一标识符和第二标识符，其中第二标识符包括生物特征数据。该方法还包括基于第一标识符确定第三标识符，并将第二和第三标识符发送到第一服务器计算机，以确定第二和第三标识符是否具有预定的相关性。该方法还包括：如果识别系统确定第二和第三标识符具有预定的相关性，则接收用户认证的确认。

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