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1. 发明申请

US20090265211A1 METHOD AND SYSTEM FOR DETECTING FRAUD 有权
标题翻译：检测欺诈的方法和系统
公开(公告)号：US20090265211A1
公开(公告)日：2009-10-22
申请号：US12491801
申请日：2009-06-25
申请人： Jason W. May , Ian Flint
发明人： Jason W. May , Ian Flint
IPC分类号： G06Q20/00 , G06Q10/00 , G06Q30/00 , G06Q40/00 , G06F15/16
CPC分类号： G06Q20/4016 , G06Q20/02 , G06Q20/04 , G06Q20/206 , G06Q20/40 , G06Q20/401 , G06Q20/403 , G06Q30/04 , G06Q30/0619 , G06Q40/12 , G07G3/003
摘要： A system and method for detecting fraud when facilitating a payment transaction over a global wide area network. The method comprises receiving a sale information, receiving a payment information from a buyer, and analyzing a transaction information for fraud. If the analyzing indicates fraud, an enhanced transaction information is communicated to a human for fraud analysis. In one embodiment, the method comprises performing rule-based analyses to determine whether the transaction appears to be fraudulent. Rule-based analyses may include suspect data rules and velocity rules. Velocity rules generally determine whether there has been excessive activity that may lead to a conclusion that the transaction may be fraudulent. Suspect data rules are used to determine whether the billing, shipping, selling addresses, telephone numbers, and account numbers, and other data are in a syntactically correct format and whether they exist. In one embodiment, the method further comprises performing simple screening of the transaction information. In one embodiment, the method further comprises seeking approval from a third party such as a financial institution based on the payment information. The method may be implemented as part of a system that includes personal computers, server computers, and other personal computing devices, some of which may communicate over the Internet, and others which may communicate via dedicated communication lines.
摘要翻译：一种用于在促进全球广域网上的支付交易时检测欺诈的系统和方法。该方法包括接收销售信息，从买方接收支付信息，并分析交易信息以进行欺诈。如果分析指示欺诈，则将增强的交易信息传达给人以进行欺诈分析。在一个实施例中，该方法包括执行基于规则的分析以确定该交易是否是欺诈性的。基于规则的分析可能包括可疑数据规则和速度规则。速度规则通常决定是否存在可能导致交易可能是欺诈性的结论的过度活动。可疑数据规则用于确定计费，运输，销售地址，电话号码和帐号以及其他数据是否具有语法正确的格式，以及是否存在。在一个实施例中，该方法还包括执行交易信息的简单筛选。在一个实施例中，该方法还包括基于支付信息来寻求诸如金融机构的第三方的批准。该方法可以被实现为包括个人计算机，服务器计算机和其他个人计算设备的系统的一部分，其中一些可以通过因特网通信，以及可以经由专用通信线路进行通信的其他个人计算设备。

2. 发明授权

US07610216B1 Method and system for detecting fraud 有权
标题翻译：检测欺诈的方法和系统
公开(公告)号：US07610216B1
公开(公告)日：2009-10-27
申请号：US09615638
申请日：2000-07-13
申请人： Jason W. May , Ian Flint
发明人： Jason W. May , Ian Flint
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/02 , G06Q20/04 , G06Q20/206 , G06Q20/40 , G06Q20/401 , G06Q20/403 , G06Q30/04 , G06Q30/0619 , G06Q40/12 , G07G3/003
摘要： A system and method for detecting fraud when facilitating a payment transaction over a global wide area network. The method comprises receiving a sale information, receiving a payment information from a buyer, and analyzing a transaction information for fraud. If the analyzing indicates fraud, an enhanced transaction information is communicated to a human for fraud analysis. In one embodiment, the method comprises performing rule-based analyses to determine whether the transaction appears to be fraudulent. Rule-based analyses may include suspect data rules and velocity rules. Velocity rules generally determine whether there has been excessive activity that may lead to a conclusion that the transaction may be fraudulent. Suspect data rules are used to determine whether the billing, shipping, selling addresses, telephone numbers, and account numbers, and other data are in a syntactically correct format and whether they exist. In one embodiment, the method further comprises performing simple screening of the transaction information. In one embodiment, the method further comprises seeking approval from a third party such as a financial institution based on the payment information. The method may be implemented as part of a system that includes personal computers, server computers, and other personal computing devices, some of which may communicate over the Internet, and others which may communicate via dedicated communication lines.
摘要翻译：一种用于在促进全球广域网上的支付交易时检测欺诈的系统和方法。该方法包括接收销售信息，从买方接收支付信息，并分析交易信息以进行欺诈。如果分析指示欺诈，则将增强的交易信息传达给人以进行欺诈分析。在一个实施例中，该方法包括执行基于规则的分析以确定该交易是否是欺诈性的。基于规则的分析可能包括可疑数据规则和速度规则。速度规则通常决定是否存在可能导致交易可能是欺诈性的结论的过度活动。可疑数据规则用于确定计费，运输，销售地址，电话号码和帐号以及其他数据是否具有语法正确的格式，以及是否存在。在一个实施例中，该方法还包括执行交易信息的简单筛选。在一个实施例中，该方法还包括基于支付信息从第三方（例如金融机构）获得批准。该方法可以被实现为包括个人计算机，服务器计算机和其他个人计算设备的系统的一部分，其中一些可以通过因特网通信，以及可以经由专用通信线路进行通信的其他个人计算设备。

3. 发明授权

US08548858B2 Method and system for detecting fraud 有权
公开(公告)号：US08548858B2
公开(公告)日：2013-10-01
申请号：US12491801
申请日：2009-06-25
申请人： Jason W. May , Ian Flint
发明人： Jason W. May , Ian Flint
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4016 , G06Q20/02 , G06Q20/04 , G06Q20/206 , G06Q20/40 , G06Q20/401 , G06Q20/403 , G06Q30/04 , G06Q30/0619 , G06Q40/12 , G07G3/003
摘要： A system and method for detecting fraud when facilitating a payment transaction over a global wide area network. The method comprises receiving a sale information, receiving a payment information from a buyer, and analyzing a transaction information for fraud. If the analyzing indicates fraud, an enhanced transaction information is communicated to a human for fraud analysis. In one embodiment, the method comprises performing rule-based analyses to determine whether the transaction appears to be fraudulent. Rule-based analyses may include suspect data rules and velocity rules. Velocity rules generally determine whether there has been excessive activity that may lead to a conclusion that the transaction may be fraudulent. Suspect data rules are used to determine whether the billing, shipping, selling addresses, telephone numbers, and account numbers, and other data are in a syntactically correct format and whether they exist. In one embodiment, the method further comprises performing simple screening of the transaction information. In one embodiment, the method further comprises seeking approval from a third party such as a financial institution based on the payment information. The method may be implemented as part of a system that includes personal computers, server computers, and other personal computing devices, some of which may communicate over the Internet, and others which may communicate via dedicated communication lines.

4. 发明授权

US09953097B2 System and method for managing network traffic routing 有权
公开(公告)号：US09953097B2
公开(公告)日：2018-04-24
申请号：US11687518
申请日：2007-03-16
申请人： Dan L. Pritchett , Ian Flint , Connie Y. Yang
发明人： Dan L. Pritchett , Ian Flint , Connie Y. Yang
IPC分类号： G06F17/30 , H04W4/02 , H04L29/08 , H04L29/12
CPC分类号： G06F17/30887 , H04L29/12594 , H04L29/12783 , H04L61/30 , H04L61/35 , H04L67/1002 , H04L67/1021 , H04L67/18 , H04W4/02
摘要： A method and system receives at a server a search request and processes the search request to determine a context of the search request, then determines, based on the context, a network route to an application server having the closest geographic proximity, with respect to the server, to the most relevant database associated with the context.

5. 发明授权

US08255325B2 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments 有权
标题翻译：用于使用多个支付工具促进基于网络的交易设施中的在线支付交易的方法和装置
公开(公告)号：US08255325B2
公开(公告)日：2012-08-28
申请号：US12397244
申请日：2009-03-03
申请人： Jason May , Ian Flint
发明人： Jason May , Ian Flint
IPC分类号： G06Q40/00
CPC分类号： G06Q20/22 , G06Q20/02 , G06Q20/08 , G06Q20/10 , G06Q20/102 , G06Q20/381 , G06Q20/382 , G06Q20/4016 , G06Q30/04 , G06Q30/08 , G06Q40/025 , G06Q40/04
摘要： A method and apparatus for facilitating online payment transactions between participants in a network-based transaction facility are described. In one embodiment, user interface information is communicated to a first participant via a communications network. The user interface information identifies various payment instruments available for processing online payment transactions in the network-based transaction facility. Further, payment option information is received from the first participant via the communications network. The payment option information indicates the willingness of the first participant to accept a payment from a second participant via one or more of the various payment instruments. This payment option information is passed to the second participant via the communications network. Afterwards, personal billing information is accepted from the second participant via the communications network to facilitate an online payment transaction between the first participant and the second participant. The personal billing information concerns a payment instrument selected by the second participant from the payment instruments specified by the first participant.
摘要翻译：描述了用于促进基于网络的交易设施中的参与者之间的在线支付交易的方法和装置。在一个实施例中，经由通信网络将用户界面信息传送给第一参与者。用户界面信息识别可用于处理基于网络的交易设施中的在线支付交易的各种支付工具。此外，经由通信网络从第一参与者接收支付选项信息。付款选项信息指示第一参与者通过一种或多种各种支付工具从第二参与者接受付款的意愿。该支付选项信息通过通信网络被传递给第二参与者。之后，通过通信网络从第二参与者接受个人账单信息，以促进第一参与者和第二参与者之间的在线支付交易。个人结算信息涉及由第一参与者指定的支付工具所选择的第二参与者的支付工具。

6. 发明授权

US07899712B2 Method and apparatus for facilitating online payment transactions in a network-based transaction facility 有权
标题翻译：用于促进基于网络的交易设施中的在线支付交易的方法和装置
公开(公告)号：US07899712B2
公开(公告)日：2011-03-01
申请号：US11332068
申请日：2006-01-13
申请人： Jason May , Ian Flint
发明人： Jason May , Ian Flint
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/14 , G06Q30/0601 , G06Q30/0609 , G06Q40/04
摘要： A method and a system to transfer payment to a seller associated with a transaction facility. In one aspect, a risk level involved in a payment transaction using a scoring algorithm is evaluated based on seller-specific criteria; and a payment is processed based on the evaluation.
摘要翻译：将付款转移给与交易设施相关联的卖方的方法和系统。在一方面，使用评分算法的支付交易中涉及的风险水平基于卖方特定标准来评估; 并根据评估处理付款。

7. 发明申请

US20120303532A1 METHOD AND APPARATUS FOR FACILITATING ONLINE PAYMENT TRANSACTIONS IN A NETWORK-BASED TRANSACTION FACILITY USING MULTIPLE PAYMENT INSTRUMENTS 审中-公开
标题翻译：在使用多种付款方式的基于网络的交易设施中促进在线支付交易的方法和装置
公开(公告)号：US20120303532A1
公开(公告)日：2012-11-29
申请号：US13569883
申请日：2012-08-08
申请人： Jason May , Ian Flint
发明人： Jason May , Ian Flint
IPC分类号： G06Q20/40
CPC分类号： G06Q20/22 , G06Q20/02 , G06Q20/08 , G06Q20/10 , G06Q20/102 , G06Q20/381 , G06Q20/382 , G06Q20/4016 , G06Q30/04 , G06Q30/08 , G06Q40/025 , G06Q40/04
摘要： A method and system for transferring value to a user of a transaction system including receiving from the user a request for value, evaluating the risk involved in providing the value by evaluating information accessible to the transaction system, selectively approving the request for value based on evaluating the risk involved, and distributing the value to the user. The information that is accessible to the transaction system may be stored at the transaction system or separated from the transaction system. The value may include funds, a line of credit, coupons, or gift certificates, and may be distributed over a period of time. The user may be a buyer or a seller.
摘要翻译：一种用于将价值转移给交易系统的用户的方法和系统，包括从用户接收价值请求，通过评估交易系统可访问的信息来评估提供价值所涉及的风险，基于评估来选择性地批准价值请求所涉及的风险，并将价值分配给用户。交易系统可访问的信息可以存储在交易系统处或与交易系统分离。价值可能包括资金，信用额度，优惠券或礼品券，并可能会在一段时间内分发。用户可以是买方或卖方。

8. 发明授权

US07499875B1 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments 有权
标题翻译：用于使用多个支付工具促进基于网络的交易设施中的在线支付交易的方法和装置
公开(公告)号：US07499875B1
公开(公告)日：2009-03-03
申请号：US09577434
申请日：2000-05-22
申请人： Jason May , Ian Flint
发明人： Jason May , Ian Flint
IPC分类号： G06Q40/00
CPC分类号： G06Q20/22 , G06Q20/02 , G06Q20/08 , G06Q20/10 , G06Q20/102 , G06Q20/381 , G06Q20/382 , G06Q20/4016 , G06Q30/04 , G06Q30/08 , G06Q40/025 , G06Q40/04
摘要： A method and apparatus for facilitating online payment transactions between participants in a network-based transaction facility are described. In one embodiment, user interface information is communicated to a first participant via a communications network. The user interface information identifies various payment instruments available for processing online payment transactions in the network-based transaction facility. Further, payment option information is received from the first participant via the communications network. The payment option information indicates the willingness of the first participant to accept a payment from a second participant via one or more of the various payment instruments. This payment option information is passed to the second participant via the communications network. Afterwards, personal billing information is accepted from the second participant via the communications network to facilitate an online payment transaction between the first participant and the second participant. The personal billing information concerns a payment instrument selected by the second participant from the payment instruments specified by the first participant.
摘要翻译：描述了用于促进基于网络的交易设施中的参与者之间的在线支付交易的方法和装置。在一个实施例中，经由通信网络将用户界面信息传送给第一参与者。用户界面信息识别可用于处理基于网络的交易设施中的在线支付交易的各种支付工具。此外，经由通信网络从第一参与者接收支付选项信息。付款选项信息指示第一参与者通过一种或多种各种支付工具从第二参与者接受付款的意愿。该支付选项信息通过通信网络被传递给第二参与者。之后，通过通信网络从第二参与者接受个人账单信息，以促进第一参与者和第二参与者之间的在线支付交易。个人结算信息涉及由第一参与者指定的支付工具所选择的第二参与者的支付工具。

9. 发明申请

US20080027947A1 SYSTEM AND METHOD FOR MANAGING NETWORK TRAFFIC ROUTING 有权
标题翻译：用于管理网络交通路由的系统和方法
公开(公告)号：US20080027947A1
公开(公告)日：2008-01-31
申请号：US11687518
申请日：2007-03-16
申请人： Dan Pritchett , Ian Flint , Connie Yang
发明人： Dan Pritchett , Ian Flint , Connie Yang
IPC分类号： G06F17/30
CPC分类号： G06F17/30887 , H04L29/12594 , H04L29/12783 , H04L61/30 , H04L61/35 , H04L67/1002 , H04L67/1021 , H04L67/18 , H04W4/02
摘要： A method and system receives at a server a search request and processes the search request to determine a context of the search request, then determines, based on the context, a network route to an application server having the closest geographic proximity, with respect to the server, to the most relevant database associated with the context.
摘要翻译：方法和系统在服务器处接收搜索请求并处理搜索请求以确定搜索请求的上下文，然后基于上下文确定到具有最接近地理邻近度的应用服务器的网络路由相对于服务器，与上下文相关的最相关的数据库。

10. 发明申请

US20060116957A1 Method and apparatus for facilitating online payment transactions in a network-based transaction facility 有权
标题翻译：用于促进基于网络的交易设施中的在线支付交易的方法和装置
公开(公告)号：US20060116957A1
公开(公告)日：2006-06-01
申请号：US11332068
申请日：2006-01-13
申请人： Jason May , Ian Flint
发明人： Jason May , Ian Flint
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/14 , G06Q30/0601 , G06Q30/0609 , G06Q40/04
摘要： A method and a system to transfer payment to a seller associated with a transaction facility are described. In one aspect, a risk level involved in a payment transaction using a scoring algorithm is evaluated based on seller-specific criteria; and a payment is processed based on the evaluation.
摘要翻译：描述了将付款转移到与交易设施相关联的卖家的方法和系统。在一方面，使用评分算法的支付交易中涉及的风险水平基于卖方特定标准来评估; 并根据评估处理付款。

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