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1. 发明申请

US20120171990A1 Systems and Methods to Restrict Payment Transactions 有权
标题翻译：限制付款交易的系统和方法
公开(公告)号：US20120171990A1
公开(公告)日：2012-07-05
申请号：US13071158
申请日：2011-03-24
申请人： Michael Williams , Jonathan Michael Kingston , Kelly Jane Mullins
发明人： Michael Williams , Jonathan Michael Kingston , Kelly Jane Mullins
IPC分类号： H04W4/24
CPC分类号： H04W4/24 , G06Q20/12 , G06Q20/16 , H04M15/47 , H04M15/888
摘要： Systems and methods are provided to selectively restrict payment transactions. In one aspect, a system includes: a data storage facility to store restriction data in association with a phone number; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with mobile controllers. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. In response to a payment request identifying the phone number and a merchant, the common format processor determines whether to reject the payment request based at least in part on the restriction data and the identity of the merchant. If the request is not rejected, the common format processor uses one of the converters to communicate with a telephonic apparatus at the phone number to confirm the payment request.
摘要翻译：提供系统和方法以选择性地限制支付交易。一方面，一种系统包括：数据存储设备，用于存储与电话号码相关联的限制数据; 以及与数据存储设施相结合的交换。交换机包括通用格式处理器和与移动控制器接口的多个转换器。转换器配置为以不同格式与控制器进行通信，并以通用格式与通用格式处理器通信。响应于识别电话号码和商家的支付请求，公共格式处理器至少部分地基于限制数据和商家的身份来确定是否拒绝支付请求。如果请求不被拒绝，则通用格式处理器使用其中一个转换器与电话号码通信，以确认支付请求。

2. 发明授权

US08700524B2 Systems and methods to restrict payment transactions 有权
标题翻译：限制支付交易的系统和方法
公开(公告)号：US08700524B2
公开(公告)日：2014-04-15
申请号：US13071158
申请日：2011-03-24
申请人： Michael Williams , Jonathan Michael Kingston , Kelly Jane Mullins
发明人： Michael Williams , Jonathan Michael Kingston , Kelly Jane Mullins
IPC分类号： G06Q40/00
CPC分类号： H04W4/24 , G06Q20/12 , G06Q20/16 , H04M15/47 , H04M15/888
摘要： Systems and methods are provided to selectively restrict payment transactions. In one aspect, a system includes: a data storage facility to store restriction data in association with a phone number; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with mobile controllers. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. In response to a payment request identifying the phone number and a merchant, the common format processor determines whether to reject the payment request based at least in part on the restriction data and the identity of the merchant. If the request is not rejected, the common format processor uses one of the converters to communicate with a telephonic apparatus at the phone number to confirm the payment request.
摘要翻译：提供系统和方法以选择性地限制支付交易。一方面，一种系统包括：数据存储设备，用于存储与电话号码相关联的限制数据; 以及与数据存储设施相结合的交换。交换机包括通用格式处理器和与移动控制器接口的多个转换器。转换器配置为以不同格式与控制器进行通信，并以通用格式与通用格式处理器进行通信。响应于识别电话号码和商家的支付请求，公共格式处理器至少部分地基于限制数据和商家的身份来确定是否拒绝支付请求。如果请求不被拒绝，则通用格式处理器使用其中一个转换器与电话号码通信，以确认支付请求。

3. 发明申请

US20120282893A1 SYSTEMS AND METHODS TO SUGGEST PRICES 审中-公开
标题翻译：系统和方法达到最优惠价格
公开(公告)号：US20120282893A1
公开(公告)日：2012-11-08
申请号：US13462748
申请日：2012-05-02
申请人： Jang Kim , Jonathan Michael Kingston , Michael Williams
发明人： Jang Kim , Jonathan Michael Kingston , Michael Williams
IPC分类号： H04W4/26 , G06Q30/02 , G06Q20/32 , G06Q40/00
CPC分类号： G06Q20/3224 , G06Q20/385 , H04M15/68
摘要： Systems and methods are provided to suggest prices for payments to be processed via mobile communications. In one aspect, a system includes a data storage facility and an interchange having a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format. The common format processor is configured to collect funds for processing payments via transmitting premium messages through the converters. The system further includes a network communications interface configured to receive a query from a merchant device identifying at least one attribute of at least one customer. In response, the common format processor determines a set of discrete price points and uses the network communications interface to communicate the set of price points to the merchant device.
摘要翻译：提供系统和方法来提出要通过移动通信处理的付款的价格。在一个方面，一种系统包括数据存储设施和具有通用格式处理器和多个转换器的交换机，以与移动通信的多个不同控制器进行接口。转换器被配置为以不同格式与控制器进行通信，并且通用格式处理器以通用格式通信。通用格式处理器被配置为通过经由转换器发送高级消息来收集用于处理支付的资金。该系统还包括网络通信接口，被配置为从商家设备接收识别至少一个客户的至少一个属性的查询。作为响应，通用格式处理器确定一组离散价格点，并使用网络通信接口将该价格点传送到商家设备。

4. 发明授权

US09595028B2 Systems and methods to add funds to an account via a mobile communication device 有权
标题翻译：通过移动通信设备向帐户添加资金的系统和方法
公开(公告)号：US09595028B2
公开(公告)日：2017-03-14
申请号：US12795116
申请日：2010-06-07
申请人： Kurt Davis , Daniel Baskerville , Jonathan Michael Kingston , Rachel Jane Gillam , Javier Martell
发明人： Kurt Davis , Daniel Baskerville , Jonathan Michael Kingston , Rachel Jane Gillam , Javier Martell
IPC分类号： G07B17/00 , G07F19/00 , G06Q40/00 , G06Q20/14 , G06Q20/02 , G06Q20/10 , G06Q20/12 , G06Q20/16 , G06Q20/32 , G06Q20/40 , G06Q20/42 , H04M15/00 , H04M17/00 , H04W4/24 , H04W12/06 , H04W4/00
CPC分类号： G06Q20/14 , G06Q20/02 , G06Q20/102 , G06Q20/12 , G06Q20/16 , G06Q20/32 , G06Q20/3223 , G06Q20/3255 , G06Q20/40 , G06Q20/425 , G06Q40/12 , H04M15/00 , H04M17/00 , H04M17/20 , H04W4/00 , H04W4/24 , H04W12/06
摘要： Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes an interchange coupled with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. The common format processor is to instruct a first controller of the controllers, via a first converter of the converters, to communicate with a mobile phone at a mobile phone number of a user to confirm a request to add funds to an account of a user, if the user has not yet provided an advance authorization. If the user has provided the advance authorization, the interchange skips communications with the mobile phone to confirm the request.
摘要翻译：提供系统和方法以便于通过移动通信进行在线交易。在一个方面，系统包括与数据存储设备相连接的交换机。交换机包括通用格式处理器和多个转换器，以与移动通信的多个不同控制器进行接口。转换器配置为以不同格式与控制器进行通信，并以通用格式与通用格式处理器进行通信。通用格式处理器是通过转换器的第一转换器来指示控制器的第一控制器以用户的移动电话号码与移动电话进行通信，以确认向用户的帐户添加资金的请求，如果用户尚未提供预先授权。如果用户提供了预先授权，则交换机跳过与移动电话的通信以确认该请求。

5. 发明授权

US08359005B2 Systems and methods to process transaction requests 有权
标题翻译：处理事务请求的系统和方法
公开(公告)号：US08359005B2
公开(公告)日：2013-01-22
申请号：US13366793
申请日：2012-02-06
申请人： Glyn Barry Smith , Jonathan Michael Kingston
发明人： Glyn Barry Smith , Jonathan Michael Kingston
IPC分类号： H04M11/00
CPC分类号： G06Q20/32 , G06Q20/12 , G06Q20/42 , G06Q20/425
摘要： Systems and methods are provided to facilitate on-site processing of transaction requests. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format to transmit a message to a telephone at the telephone number of the user to prompt the user to confirm a request and to receive a confirmation of the request via the telephone. The request is received via a user interface embedded in a web page of a first website without reloading or refreshing the web page.
摘要翻译：提供系统和方法以便于事务请求的现场处理。一方面，一种系统包括用于存储用户的帐户标识符和用户的电话号码的数据存储设施以及与数据存储设施相结合的交换机。交换机包括通用格式处理器和多个转换器，以与移动通信的多个不同控制器进行接口。转换器被配置为以不同格式与控制器进行通信，并以通用格式与通用格式处理器通信，以用户的电话号码向电话发送消息，以提示用户确认请求并接收通过电话确认请求。通过嵌入在第一网站的网页中的用户界面来接收请求，而不重新加载或刷新网页。

6. 发明申请

US20100267362A1 Systems and Methods to Process Transaction Requests 有权
标题翻译：处理事务请求的系统和方法
公开(公告)号：US20100267362A1
公开(公告)日：2010-10-21
申请号：US12478725
申请日：2009-06-04
申请人： Glyn Barry Smith , Jonathan Michael Kingston
发明人： Glyn Barry Smith , Jonathan Michael Kingston
IPC分类号： H04M11/00 , H04W4/12
CPC分类号： G06Q20/32 , G06Q20/12 , G06Q20/42 , G06Q20/425
摘要： Systems and methods are provided to facilitate on-site processing of transaction requests. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format to transmit a message to a telephone at the telephone number of the user to prompt the user to confirm a request and to receive a confirmation of the request via the telephone. The request is received via a user interface embedded in a web page of a first website without reloading or refreshing the web page.
摘要翻译：提供系统和方法以便于事务请求的现场处理。一方面，一种系统包括用于存储用户的帐户标识符和用户的电话号码的数据存储设施以及与数据存储设施相结合的交换机。交换机包括通用格式处理器和多个转换器，以与移动通信的多个不同控制器进行接口。转换器被配置为以不同格式与控制器进行通信，并以通用格式与通用格式处理器通信，以用户的电话号码向电话发送消息，以提示用户确认请求并接收通过电话确认请求。通过嵌入在第一网站的网页中的用户界面来接收请求，而不重新加载或刷新网页。

7. 发明申请

US20120142312A1 SYSTEMS AND METHODS TO PROCESS TRANSACTION REQUESTS 有权
标题翻译：处理交易要求的系统和方法
公开(公告)号：US20120142312A1
公开(公告)日：2012-06-07
申请号：US13366793
申请日：2012-02-06
申请人： Glyn Barry Smith , Jonathan Michael Kingston
发明人： Glyn Barry Smith , Jonathan Michael Kingston
IPC分类号： H04W4/24
CPC分类号： G06Q20/32 , G06Q20/12 , G06Q20/42 , G06Q20/425
摘要： Systems and methods are provided to facilitate on-site processing of transaction requests. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format to transmit a message to a telephone at the telephone number of the user to prompt the user to confirm a request and to receive a confirmation of the request via the telephone. The request is received via a user interface embedded in a web page of a first website without reloading or refreshing the web page.
摘要翻译：提供系统和方法以便于事务请求的现场处理。一方面，一种系统包括用于存储用户的帐户标识符和用户的电话号码的数据存储设施以及与数据存储设施相结合的交换机。交换机包括通用格式处理器和多个转换器，以与移动通信的多个不同控制器进行接口。转换器被配置为以不同格式与控制器进行通信，并以通用格式与通用格式处理器通信，以用户的电话号码向电话发送消息，以提示用户确认请求并接收通过电话确认请求。通过嵌入在第一网站的网页中的用户界面来接收请求，而不重新加载或刷新网页。

8. 发明申请

US20100306015A1 Systems and Methods to Schedule Transactions 审中-公开
标题翻译：计划交易的系统和方法
公开(公告)号：US20100306015A1
公开(公告)日：2010-12-02
申请号：US12791606
申请日：2010-06-01
申请人： Jonathan Michael Kingston
发明人： Jonathan Michael Kingston
IPC分类号： G06Q20/00 , G06Q50/00 , G06Q10/00
CPC分类号： G06Q20/322 , G06Q10/1093 , G06Q20/32 , G06Q20/40 , G06Q30/0267
摘要： Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes an interchange coupled with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. The common format processor is to instruct a first controller of the controllers, via a first converter of the converters, to communicate with a mobile phone at a mobile phone number of a user to schedule at least one future transaction, and to transmit one or more premium messages to the mobile phone to collect, via a telecommunication carrier of the mobile phone, funds in accordance with an amount scheduled for the future transaction.
摘要翻译：提供系统和方法以便于通过移动通信进行在线交易。在一个方面，系统包括与数据存储设备相连接的交换机。交换机包括通用格式处理器和多个转换器，以与移动通信的多个不同控制器进行接口。转换器配置为以不同格式与控制器进行通信，并以通用格式与通用格式处理器进行通信。通用格式处理器是通过转换器的第一转换器来指示控制器的第一控制器以与用户的移动电话号码的移动电话进行通信，以调度至少一个未来的事务，并且传送一个或多个通过移动电话的电信运营商根据为未来交易计划的金额收取资金给移动电话的高级消息。

9. 发明授权

US08131258B2 Systems and methods to process transaction requests 有权
标题翻译：处理事务请求的系统和方法
公开(公告)号：US08131258B2
公开(公告)日：2012-03-06
申请号：US12478725
申请日：2009-06-04
申请人： Glyn Barry Smith , Jonathan Michael Kingston
发明人： Glyn Barry Smith , Jonathan Michael Kingston
IPC分类号： H04M11/00
CPC分类号： G06Q20/32 , G06Q20/12 , G06Q20/42 , G06Q20/425
摘要： Systems and methods are provided to facilitate on-site processing of transaction requests. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format to transmit a message to a telephone at the telephone number of the user to prompt the user to confirm a request and to receive a confirmation of the request via the telephone. The request is received via a user interface embedded in a web page of a first website without reloading or refreshing the web page.
摘要翻译：提供系统和方法以便于事务请求的现场处理。一方面，一种系统包括用于存储用户的帐户标识符和用户的电话号码的数据存储设施以及与数据存储设施相结合的交换机。交换机包括通用格式处理器和多个转换器，以与移动通信的多个不同控制器进行接口。转换器被配置为以不同格式与控制器进行通信，并以通用格式与通用格式处理器通信，以用户的电话号码向电话发送消息，以提示用户确认请求并接收通过电话确认请求。通过嵌入在第一网站的网页中的用户界面来接收请求，而不重新加载或刷新网页。

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