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1. 发明授权

US07146338B2 Inter-network financial service 有权
公开(公告)号：US07146338B2
公开(公告)日：2006-12-05
申请号：US09892897
申请日：2001-06-28
申请人： Peter Kight , Ravi Ganesan , Matt Lewis , Kenneth Hobday , Hans Dreyer
发明人： Peter Kight , Ravi Ganesan , Matt Lewis , Kenneth Hobday , Hans Dreyer
IPC分类号： G06Q40/00
CPC分类号： G06Q20/027 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/12 , G06Q20/382 , G06Q30/04 , G06Q40/00
摘要： The present invention provides a method and system for making inter-network payments. A payment request to make a payment on behalf of a payer to a payee is received. A first payment service provider receives this request. The payment is directed to a payee that is associated with a second payment service provider. The first payment service provider determines the identity of the second payment service provider and transmits a payment instruction to the second payment service provider to complete the payment.

2. 发明授权

US07426638B2 Controlling access to information on a network using an extended network universal resource locator 有权
标题翻译：使用扩展网络通用资源定位器控制对网络上的信息的访问
公开(公告)号：US07426638B2
公开(公告)日：2008-09-16
申请号：US11479319
申请日：2006-06-30
申请人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
发明人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
IPC分类号： H04L9/32 , G06Q40/00 , G06F15/16 , H04L9/00
CPC分类号： H04L63/0442 , G06F21/445 , G06F2221/2115 , G06Q20/00 , G06Q20/085 , G06Q20/102 , G06Q20/14 , G06Q20/3823 , G06Q20/3829 , H04L63/0823 , H04L63/123 , H04L2463/102
摘要： Systems and methods for controlling access to information on a network where a first network entity receives a message requesting access to stored information via a network communication. The received message includes a first component encrypted with a first crypto-key associated with the first network entity and a second component encrypted with a second crypto-key associated with a second network entity such that both can be decrypted by the first network entity. The second network entity controls access to the network by the user. After receiving the message, the first network entity decrypts the first component and the second component and then transmits the stored information to the user based on the content of the first component and the second component.
摘要翻译：用于控制对网络上的信息的访问的系统和方法，其中第一网络实体经由网络通信接收请求访问所存储的信息的消息。所接收的消息包括用与第一网络实体相关联的第一加密密钥加密的第一组件和用与第二网络实体相关联的第二加密密钥加密的第二组件，使得二者可以被第一网络实体解密。第二网络实体控制用户对网络的访问。在接收到消息之后，第一网络实体解密第一组件和第二组件，然后基于第一组件和第二组件的内容将存储的信息发送给用户。

3. 发明授权

US07334128B2 Accessing information on a network using an extended network universal resource locator 有权
标题翻译：使用扩展网络通用资源定位器访问网络上的信息
公开(公告)号：US07334128B2
公开(公告)日：2008-02-19
申请号：US11139512
申请日：2005-05-31
申请人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
发明人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
IPC分类号： H04L9/32 , G06Q40/00 , G06F15/16 , H04L9/00
CPC分类号： H04L63/0442 , G06F21/445 , G06F2221/2115 , G06Q20/00 , G06Q20/085 , G06Q20/102 , G06Q20/14 , G06Q20/3823 , G06Q20/3829 , H04L63/0823 , H04L63/123 , H04L2463/102
摘要： To facilitate access to information on a network, an extended network universal resource locator is generated. The generated extended network universal resource locator has (i) a network address, such as an Internet URL, at which stored information, such as detailed bill information, can be accessed on a network, (ii) identity information associated with a first network entity and an integrity value corresponding to the identity information, and (iii) voucher information indicating that a third network entity has authenticated the first network entity and that transmission of the extended network universal resource locator by the third network entity to the first network entity occurred at a particular time. The identity information could, for example, include an identification of the stored information and an account number associated with the first network entity. The integrity value could, for example, be a hash of the identity information. The identity information and the integrity value are encrypted with a first crypto-key of a second network entity. The voucher information is encrypted with a second crypto-key of the third network entity. The transmission time information is preferably a timestamp. The extended network universal resource locator is transmitted via the network to facilitate access, by the first entity, to the information stored at the network address.
摘要翻译：为了方便对网络上的信息的访问，生成扩展网络通用资源定位符。生成的扩展网络通用资源定位器具有（i）诸如因特网URL的网络地址，可以在网络上访问诸如详细账单信息的存储信息，（ii）与第一网络实体相关联的身份信息和对应于身份信息的完整性值，以及（iii）表示第三网络实体已经认证第一网络实体的凭证信息，并且由第三网络实体向第一网络实体发送扩展网络通用资源定位符的发送在一个特定的时间。身份信息可以例如包括存储的信息的标识和与第一网络实体相关联的帐号。完整性值可以例如是身份信息的哈希。身份信息和完整性值用第二网络实体的第一加密密钥加密。凭证信息用第三网络实体的第二密钥加密。发送时间信息优选为时间戳。扩展网络通用资源定位器通过网络传输，以便于第一实体访问存储在网络地址中的信息。

4. 发明申请

US20050222953A1 Accessing information on a network using an extended network universal resource locator 有权
标题翻译：使用扩展网络通用资源定位器访问网络上的信息
公开(公告)号：US20050222953A1
公开(公告)日：2005-10-06
申请号：US11139512
申请日：2005-05-31
申请人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
发明人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
IPC分类号： G06F21/00 , G06Q20/00 , G09C1/00 , H04L9/14 , H04L9/32 , H04L29/06 , G06F17/60
CPC分类号： H04L63/0442 , G06F21/445 , G06F2221/2115 , G06Q20/00 , G06Q20/085 , G06Q20/102 , G06Q20/14 , G06Q20/3823 , G06Q20/3829 , H04L63/0823 , H04L63/123 , H04L2463/102
摘要： To facilitate access to information on a network, an extended network universal resource locator is generated. The generated extended network universal resource locator has (i) a network address, such as an Internet URL, at which stored information, such as detailed bill information, can be accessed on a network, (ii) identity information associated with a first network entity and an integrity value corresponding to the identity information, and (iii) voucher information indicating that a third network entity has authenticated the first network entity and that transmission of the extended network universal resource locator by the third network entity to the first network entity occurred at a particular time. The identity information could, for example, include an identification of the stored information and an account number associated with the first network entity. The integrity value could, for example, be a hash of the identity information. The identity information and the integrity value are encrypted with a first crypto-key of a second network entity. The voucher information is encrypted with a second crypto-key of the third network entity. The transmission time information is preferably a timestamp. The extended network universal resource locator is transmitted via the network to facilitate access, by the first entity, to the information stored at the network address.
摘要翻译：为了方便对网络上的信息的访问，生成扩展网络通用资源定位符。生成的扩展网络通用资源定位器具有（i）诸如因特网URL的网络地址，可以在网络上访问诸如详细账单信息的存储信息，（ii）与第一网络实体相关联的身份信息和对应于身份信息的完整性值，以及（iii）表示第三网络实体已经认证第一网络实体的凭证信息，并且由第三网络实体向第一网络实体发送扩展网络通用资源定位符的发送在一个特定的时间。身份信息可以例如包括存储的信息的标识和与第一网络实体相关联的帐号。完整性值可以例如是身份信息的哈希。身份信息和完整性值用第二网络实体的第一加密密钥加密。凭证信息用第三网络实体的第二密钥加密。发送时间信息优选为时间戳。扩展网络通用资源定位器通过网络传输，以便于第一实体访问存储在网络地址中的信息。

5. 发明授权

US06948063B1 Securing electronic transactions over public networks 失效
标题翻译：通过公共网络保护电子交易
公开(公告)号：US06948063B1
公开(公告)日：2005-09-20
申请号：US09471490
申请日：1999-12-23
申请人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
发明人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
IPC分类号： G06F21/00 , G06Q20/00 , G09C1/00 , H04L9/14 , H04L9/32 , H04L29/06
CPC分类号： H04L63/0442 , G06F21/445 , G06F2221/2115 , G06Q20/00 , G06Q20/085 , G06Q20/102 , G06Q20/14 , G06Q20/3823 , G06Q20/3829 , H04L63/0823 , H04L63/123 , H04L2463/102
摘要： An electronic message for transmission over a network, such as the Internet, is created by encrypting a first component with a first crypto-key, which is associated with a first network entity, such that the encrypted first component can be decrypted by only the first network entity. The first crypto-key could, for example, be a symmetric crypto-key known only to the first network entity or the public non-symmetric crypto-key of a private-public non-symmetric key pair, where the private non-symmetric crypto key is known only to the first network entity. A second component, which is different than the first component, is encrypted with a second crypto-key, which is associated with a second network entity, such that the encrypted second component can also be decrypted by the first network entity. The second crypto-key could, for example, be a symmetric crypto-key known to both the first and second network entities or the private non-symmetric crypto-key of a private-public non-symmetric key pair of the second network entity, where the public non-symmetric crypto key is known to the first network entity. The encrypted first and second components are combined to create the electronic message.
摘要翻译：通过诸如因特网的网络传输的电子消息是通过用与第一网络实体相关联的第一密钥加密第一组件来创建的，使得加密的第一组件可以仅被第一网络实体。例如，第一密钥可以是对于私有 - 非对称密钥对的第一网络实体或公共非对称密钥对已知的对称密钥，其中私有非对称密钥密钥仅对第一个网络实体已知。与第一组件不同的第二组件用与第二网络实体相关联的第二密钥加密，使得加密的第二组件也可以由第一网络实体解密。例如，第二密钥可以是第一和第二网络实体已知的对称密钥或第二网络实体的私有公共非对称密钥对的私有非对称密钥，其中公共非对称密钥对于第一网络实体是已知的。加密的第一和第二组件被组合以创建电子消息。

6. 发明申请

US20070022052A1 Controlling access to information on a network using an extended network universal resource locator 有权
标题翻译：使用扩展网络通用资源定位器控制对网络上的信息的访问
公开(公告)号：US20070022052A1
公开(公告)日：2007-01-25
申请号：US11479319
申请日：2006-06-30
申请人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
发明人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
IPC分类号： G06Q40/00 , G06Q99/00 , H04L9/00 , H04K1/00
CPC分类号： H04L63/0442 , G06F21/445 , G06F2221/2115 , G06Q20/00 , G06Q20/085 , G06Q20/102 , G06Q20/14 , G06Q20/3823 , G06Q20/3829 , H04L63/0823 , H04L63/123 , H04L2463/102
摘要： Systems and methods for controlling access to information on a network where a first network entity receives a message requesting access to stored information via a network communication. The received message includes a first component encrypted with a first crypto-key associated with the first network entity and a second component encrypted with a second crypto-key associated with a second network entity such that both can be decrypted by the first network entity. The second network entity controls access to the network by the user. After receiving the message, the first network entity decrypts the first component and the second component and then transmits the stored information to the user based on the content of the first component and the second component.
摘要翻译：用于控制对网络上的信息的访问的系统和方法，其中第一网络实体经由网络通信接收请求访问所存储的信息的消息。所接收的消息包括用与第一网络实体相关联的第一加密密钥加密的第一组件和用与第二网络实体相关联的第二加密密钥加密的第二组件，使得二者可以被第一网络实体解密。第二网络实体控制用户对网络的访问。在接收到消息之后，第一网络实体解密第一组件和第二组件，然后基于第一组件和第二组件的内容将存储的信息发送给用户。

7. 发明授权

US07415610B2 Facilitating access to information stored on a network using an extended network universal resource locator 有权
标题翻译：使用扩展网络通用资源定位器促进对存储在网络上的信息的访问
公开(公告)号：US07415610B2
公开(公告)日：2008-08-19
申请号：US11493340
申请日：2006-07-26
申请人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
发明人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
IPC分类号： H04L9/32 , G06F15/16 , G06Q40/00 , H04L9/00
CPC分类号： H04L63/0442 , G06F21/445 , G06F2221/2115 , G06Q20/00 , G06Q20/085 , G06Q20/102 , G06Q20/14 , G06Q20/3823 , G06Q20/3829 , H04L63/0823 , H04L63/123 , H04L2463/102
摘要： Systems and methods for facilitating access to stored information associated with a user, where a service provider receives, from a network entity controlling access to the stored information, a first message component encrypted with a first crypto-key associated with the network entity that can be decrypted by the network entity and a network address associated with the stored information. The service provider then receives a request for information enabling access to the stored information from an access portal associated with the user. Next, the service provider generates a response that includes the network address and the first message component and transmits the response to the access portal. The generated response is extensible by the access portal to include a second message component. The second message component is encrypted with a second crypto-key associated with the access portal. The extended response is usable to obtain access to the stored information.
摘要翻译：用于便于访问与用户相关联的存储信息的系统和方法，其中服务提供者从控制对所存储信息的访问的网络实体接收到用与网络实体相关联的第一密钥加密的第一消息组件，由网络实体解密并与存储的信息相关联的网络地址。然后，服务提供商接收到对来自与用户相关联的访问门户存储的信息的信息的请求。接下来，服务提供商生成包括网络地址和第一消息组件的响应，并将响应发送到访问门户。生成的响应可由访问门户扩展以包括第二消息组件。用与访问门户相关联的第二加密密钥来加密第二消息组件。扩展响应可用于访问存储的信息。

8. 发明申请

US20070016525A1 Facilitating access to information stored on a network using an extended network universal resource locator 有权
标题翻译：使用扩展网络通用资源定位器促进对存储在网络上的信息的访问
公开(公告)号：US20070016525A1
公开(公告)日：2007-01-18
申请号：US11493340
申请日：2006-07-26
申请人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
发明人： Ravi Ganesan , Kenneth Hobday , Matt Lewis
IPC分类号： G06Q40/00
CPC分类号： H04L63/0442 , G06F21/445 , G06F2221/2115 , G06Q20/00 , G06Q20/085 , G06Q20/102 , G06Q20/14 , G06Q20/3823 , G06Q20/3829 , H04L63/0823 , H04L63/123 , H04L2463/102
摘要： Systems and methods for facilitating access to stored information associated with a user, where a service provider receives, from a network entity controlling access to the stored information, a first message component encrypted with a first crypto-key associated with the network entity that can be decrypted by the network entity and a network address associated with the stored information. The service provider then receives a request for information enabling access to the stored information from an access portal associated with the user. Next, the service provider generates a response that includes the network address and the first message component and transmits the response to the access portal. The generated response is extensible by the access portal to include a second message component. The second message component is encrypted with a second crypto-key associated with the access portal. The extended response is usable to obtain access to the stored information.
摘要翻译：用于便于访问与用户相关联的存储信息的系统和方法，其中服务提供者从控制对所存储信息的访问的网络实体接收到用与网络实体相关联的第一密钥加密的第一消息组件，由网络实体解密并与存储的信息相关联的网络地址。然后，服务提供商接收到对来自与用户相关联的访问门户存储的信息的信息的请求。接下来，服务提供商生成包括网络地址和第一消息组件的响应，并将响应发送到访问门户。生成的响应可由访问门户扩展以包括第二消息组件。用与访问门户相关联的第二加密密钥来加密第二消息组件。扩展响应可用于访问存储的信息。

9. 发明授权

US07392223B1 Electronic billing with updateable electronic bill summary 失效
标题翻译：电子帐单与可更新的电子账单摘要
公开(公告)号：US07392223B1
公开(公告)日：2008-06-24
申请号：US09387764
申请日：1999-09-01
申请人： Ravi Ganesan , Kenneth Hobday
发明人： Ravi Ganesan , Kenneth Hobday
IPC分类号： G06Q30/00
CPC分类号： G06Q30/00 , G06Q20/10 , G06Q20/102 , G06Q30/04 , G06Q40/00
摘要： An electronic bill payment network includes a plurality of user network stations associated with different users, a plurality of biller network stations associated with different billers, and a central network station. A first user station operates, in real time, to transmit information relevant to an amount of an available bill and an instruction to pay the available bill. A first biller station operates, in real time, to receive the transmitted information and to compute the amount of the available bill based upon the received information. The central network station operates to receive the computed amount of the available bill and the transmitted pay instruction, and to direct payment of the computed amount of the available bill based upon the transmitted instruction to pay that bill.
摘要翻译：电子账单支付网络包括与不同用户相关联的多个用户网络站，与不同的账单相关联的多个账单网络站以及中央网络站。第一用户站实时地运行与可用账单的数量相关的信息和支付可用账单的指令。实时地，第一个报价站操作接收所发送的信息，并根据接收到的信息计算可用账单的数量。中央网络台操作以接收计算出的可用账单金额和所发送的支付指令，并且基于发送的指令直接支付所计算的可用账单金额以支付该账单。

10. 发明授权

US07366696B1 Electronic billing with flexible biller controlled electronic bill presentment 失效
标题翻译：电子帐单与灵活的账单控制电子账单呈现
公开(公告)号：US07366696B1
公开(公告)日：2008-04-29
申请号：US09414731
申请日：1999-10-08
申请人： Ravi Ganesan , Kenneth Hobday
发明人： Ravi Ganesan , Kenneth Hobday
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/10 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G06Q40/04
摘要： An electronic bill presentment network includes a central network station and a plurality of different user stations. The central network station transmits bill availability information to the user stations to identify available bills of different billers for the different users. Information associated with each available bill of a respective biller is available at one of multiple networks addresses associated with that biller. The associated information could, for example, be the bill itself and/or promotional information. Each user station is associated with a respective one of the users and receives the transmitted bill availability information for its associated user and selects one of the identified available bills, such as for viewing or payment. A user station associated with a first user is linked to the first network address associated with the bills of the first biller, based on a bill selection by the first user station. A second user station associated with a second user is linked to the second network address associated with the bills of the first biller based on a bill selection by the second user station.
摘要翻译：电子账单呈现网络包括中央网络站和多个不同的用户站。中央网络台将账单可用性信息发送给用户站，以识别不同用户的不同账户的可用账单。与相应的帐单的每个可用帐单相关联的信息可在与该帐单相关联的多个网络地址之一处获得。例如，相关信息可以是帐单本身和/或促销信息。每个用户站与相应的一个用户相关联，并接收其相关用户的发送的账单可用性信息，并且选择所识别的可用账单之一，例如用于查看或支付。基于第一用户站的票据选择，与第一用户相关联的用户站被链接到与第一帐单的账单相关联的第一网络地址。基于第二用户站的纸币选择，与第二用户相关联的第二用户站被链接到与第一报价者的纸币相关联的第二网络地址。

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