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1. 发明申请

US20080077527A1 Method and System for a Purchase Transaction at a Remote Merchant Machine 审中-公开
标题翻译：远程商机购买交易的方法和系统
公开(公告)号：US20080077527A1
公开(公告)日：2008-03-27
申请号：US11747690
申请日：2007-05-11
申请人： Howon Choe , Min Park
发明人： Howon Choe , Min Park
IPC分类号： G06Q30/00 , G06Q90/00
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/325 , G06Q20/327 , G06Q20/40
摘要： A method comprises receiving, at a payment media interface associated with a remote merchant machine, a signal from a mobile customer premise device. The mobile customer premise device includes a set of device identification data. In response to receiving the signal, the remote merchant machine communicates a remote merchant machine identification code to the mobile customer premise device. The method further comprises receiving, through a network interface of the remote merchant machine, a purchase authorization and customer account data from a payment processing system. The customer account data is accessed by the payment processing system based upon receiving at least a portion of the remote merchant machine identification code from the mobile customer premise device and at least a portion of the device identification data from the mobile customer premise device The method further comprises receiving a selection input corresponding to a selected item, dispensing the selected item and creating a transaction record. At least a portion of the transaction record is communicated to the payment processing system.
摘要翻译：一种方法包括在与远程商业机器相关联的支付媒体接口处接收来自移动用户驻地设备的信号。移动客户端设备包括一组设备标识数据。响应于接收到信号，远程商家机器将远程商家机器识别码传送到移动用户驻地设备。该方法还包括通过远程商机的网络接口从支付处理系统接收购买授权和客户帐户数据。基于从移动用户驻地设备接收远程商机识别码的至少一部分以及来自移动客户驻地设备的设备标识数据的至少一部分，由支付处理系统访问客户帐户数据。该方法进一步包括接收与所选项目相对应的选择输入，分配所选择的项目并创建交易记录。交易记录的至少一部分被传送到支付处理系统。

2. 发明申请

US20080103984A1 System, Method, and Computer-Readable Medium for Mobile Payment Authentication and Authorization 审中-公开
标题翻译：系统，方法和计算机可读介质，用于移动支付认证和授权
公开(公告)号：US20080103984A1
公开(公告)日：2008-05-01
申请号：US11855856
申请日：2007-09-14
申请人： Howon Choe , Yeonsook Choe , Min Park
发明人： Howon Choe , Yeonsook Choe , Min Park
IPC分类号： G06Q30/00 , G06F17/30 , H04L9/32
CPC分类号： G06Q20/20 , G06Q20/3821 , G06Q30/0601 , H04L9/3226 , H04L9/3228 , H04L2209/56 , H04L2209/80
摘要： A system, method, and computer-readable medium for user authentication and mobile payment authorization are provided. A user operating a mobile terminal may submit a product for purchase at a point-of-sale and submit the user's phone number and personal identification number thereto. An authentication and authorization process is then performed to authenticate the user and authorize the purchase. Upon authentication and authorization, a one-time-password is transmitted to the point-of-sale and the user's mobile terminal. The user provides the one-time-password as input to the point-of-sale which compares the one-time-password provided by Mobile Payment System with the one-time-password provided by the user to determine whether to approve or deny the purchase. Multiple users each having different authorization levels and purchase limits may be associated with a common account, and each user may have a distinct identifier used to authenticate the particular user of the account.
摘要翻译：提供了用于用户认证和移动支付授权的系统，方法和计算机可读介质。操作移动终端的用户可以在销售点提交购买的产品，并将用户的电话号码和个人识别号码提交给其。然后执行认证和授权过程以认证用户并授权购买。通过认证和授权，将一次性密码传输到销售点和用户的移动终端。用户提供一次性密码作为销售点的输入，将移动支付系统提供的一次性密码与用户提供的一次性密码进行比较，以确定是否批准或拒绝采购。每个具有不同授权级别和购买限制的多个用户可以与公共帐户相关联，并且每个用户可以具有用于认证帐户的特定用户的不同标识符。

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