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1. 发明授权

US10380585B2 Local usage of electronic tokens in a transaction processing system 有权
公开(公告)号：US10380585B2
公开(公告)日：2019-08-13
申请号：US13485645
申请日：2012-05-31
申请人： Theodore Harris , Patrick Faith
发明人： Theodore Harris , Patrick Faith
IPC分类号： G06Q20/38 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/34
摘要： A method for the use of electronic transactional tokens includes: generating a plurality of transactional tokens including a first token; associating each of the transactional tokens with a plurality of users, the first token associated with a first user; monitoring usage of the transactional tokens in a plurality of transactions in a local region or network; and in response to receiving transactional data for the first transaction, updating the first token from a first state to a second state (e.g., to provide a benefit when the token is applied in the local region or network). The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions.

2. 发明授权

US10223691B2 Universal electronic payment apparatuses, methods and systems 有权
公开(公告)号：US10223691B2
公开(公告)日：2019-03-05
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q30/00 , G06Q20/36 , G06Q20/20 , G06Q30/06 , G07F7/08 , G06Q20/32
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

3. 发明申请

US20120310838A1 LOCAL USAGE OF ELECTRONIC TOKENS IN A TRANSACTION PROCESSING SYSTEM 审中-公开
标题翻译：在交易处理系统中本地使用电子玩具
公开(公告)号：US20120310838A1
公开(公告)日：2012-12-06
申请号：US13485645
申请日：2012-05-31
申请人： Theodore Harris , Patrick Faith
发明人： Theodore Harris , Patrick Faith
IPC分类号： G06Q20/36
CPC分类号： G06Q20/387 , G06Q20/12 , G06Q20/20 , G06Q20/322 , G06Q20/3276 , G06Q20/34
摘要： A method for the use of electronic transactional tokens includes: generating a plurality of transactional tokens including a first token; associating each of the transactional tokens with a plurality of users, the first token associated with a first user; monitoring usage of the transactional tokens in a plurality of transactions in a local region or network; and in response to receiving transactional data for the first transaction, updating the first token from a first state to a second state (e.g., to provide a benefit when the token is applied in the local region or network). The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions.
摘要翻译：一种使用电子交易令牌的方法包括：产生包括第一令牌的多个事务令牌; 将每个事务令牌与多个用户相关联，所述第一令牌与第一用户相关联; 监视本地区域或网络中的多个事务中的事务令牌的使用; 并且响应于接收到所述第一事务的事务数据，将所述第一令牌从第一状态更新为第二状态（例如，当所述令牌被应用于所述本地区域或网络时提供益处）。可以使用令牌处理系统来生成和监视令牌，令牌处理系统使用正在处理事务的事务处理的事务处理程序接收的事务数据。

4. 发明申请

US20140337175A1 Universal Electronic Payment Apparatuses, Methods and Systems 审中-公开
标题翻译：通用电子支付设备，方法和系统
公开(公告)号：US20140337175A1
公开(公告)日：2014-11-13
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q20/36 , G06Q20/32 , G06Q30/06
CPC分类号： G06Q20/36 , G06Q20/204 , G06Q20/322 , G06Q20/367 , G06Q30/00 , G06Q30/06 , G06Q30/0623 , G07F7/0886
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
摘要翻译：通用电子支付设备，方法和系统（“UEP”）将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。在一个实现中，UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求，获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。此外，UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。

5. 发明申请

US20180157336A1 Gesture Recognition Cloud Command Platform, System, Method, and Apparatus 审中-公开
公开(公告)号：US20180157336A1
公开(公告)日：2018-06-07
申请号：US15862323
申请日：2018-01-04
申请人： Theodore Harris , Scott Edington , Patrick Faith
发明人： Theodore Harris , Scott Edington , Patrick Faith
IPC分类号： G06F3/01 , G06K9/00 , H04L29/06 , G06Q30/06 , H04L29/08 , G06K9/32 , H04W12/06
CPC分类号： G06F3/017 , G06F3/011 , G06F3/0304 , G06F3/0482 , G06F3/04842 , G06F3/147 , G06F3/167 , G06F2203/0381 , G06K9/00268 , G06K9/00288 , G06K9/00335 , G06K9/00355 , G06K9/00671 , G06K9/3258 , G06K2209/27 , G06Q30/0641 , G09G2340/10 , G09G2358/00 , G09G2370/022 , G09G2380/04 , H04L63/0861 , H04L67/10 , H04L67/12 , H04L67/22 , H04W12/00508 , H04W12/06
摘要： Systems and methods described herein are for transmitting a command to a remote system. A processing system determines the identity of the user based on the unique identifier and the biometric information. Thereafter, a sensor detects a gesture performed by the user. The sensor is configured to detect the gesture performed by the user when the user is located within the detectable range of the wireless antenna. The processing system determines an action associated with the detected gesture based on the identity of the user and sends a command to a remote computer system to cause it to perform the action associated with the detected gesture.

6. 发明申请

US20120271770A1 MANAGING ELECTRONIC TOKENS IN A TRANSACTION PROCESSING SYSTEM 审中-公开
标题翻译：在交易处理系统中管理电子玩具
公开(公告)号：US20120271770A1
公开(公告)日：2012-10-25
申请号：US13450828
申请日：2012-04-19
申请人： Theodore Harris , Patrick Faith
发明人： Theodore Harris , Patrick Faith
IPC分类号： G06Q20/40 , G06Q20/00
CPC分类号： G06Q20/00 , G06Q40/00
摘要： A method for the use of electronic transactional tokens includes: generating transactional tokens including a first token; associating each of the transactional tokens with one of a group of users; monitoring usage of the transactional tokens in a multitude of transactions by the users; and responsive to the monitoring, updating the first token from a first state to a second state. The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions.
摘要翻译：一种使用电子交易令牌的方法包括：生成包括第一令牌的交易令牌; 将每个事务令牌与一组用户中的一个相关联; 监控用户在大量交易中的交易令牌的使用情况; 并且响应于所述监视，将所述第一令牌从第一状态更新为第二状态。可以使用令牌处理系统来生成和监视令牌，令牌处理系统使用正在处理事务的事务处理的事务处理程序接收的事务数据。

7. 发明授权

US10395256B2 Reputation management in a transaction processing system 有权
公开(公告)号：US10395256B2
公开(公告)日：2019-08-27
申请号：US13485637
申请日：2012-05-31
申请人： Theodore Harris , Patrick Faith
发明人： Theodore Harris , Patrick Faith
IPC分类号： G06Q40/00 , G06Q30/02
摘要： A method includes: receiving information regarding a plurality of completed transactions from a plurality of users; receiving a query from a first user regarding a proposed transaction; determining at least one affinity between the first user and the plurality of users based on the information; determining a ranking or expectation of success for each of a plurality of potential entities for the proposed transaction based on the at least one affinity; selecting a plurality of selected entities based on the ranking or expectation of success for each of the potential entities; and sending, in response to the query, the plurality of selected entities to the first user.

8. 发明授权

US09348896B2 Dynamic network analytics system 有权
标题翻译：动态网络分析系统
公开(公告)号：US09348896B2
公开(公告)日：2016-05-24
申请号：US13706226
申请日：2012-12-05
申请人： Patrick Faith , Kevin P. Siegel , Theodore Harris , Craig O'Connell
发明人： Patrick Faith , Kevin P. Siegel , Theodore Harris , Craig O'Connell
IPC分类号： G06F17/30 , G06Q20/40
CPC分类号： G06F17/30696 , G06Q20/40 , G06Q20/4016
摘要： Embodiments of the invention is directed to a dynamic network analytics system capable of receiving and analyzing queries sent in data messages from data requesters. The queries contain a request from the data requester as to a risk level associated with an interaction conducted by a user. The dynamic network analytics system can determine an optimized process for determining the risk level of the interaction, based on an analysis of past interactions by the user and past interactions by users similar to the user. The dynamic network analytics system can retrieve data from internal and external data sources to generate a response to the query. The dynamic network analytics system conducts the optimized process and uses the retrieved data to generate risk assessments and risk scores in response to the query from the data requester.
摘要翻译：本发明的实施例涉及能够接收和分析从数据请求者发送的数据消息中的查询的动态网络分析系统。这些查询包含来自数据请求者的关于与由用户进行的交互相关联的风险级别的请求。动态网络分析系统可以基于用户对过去交互的分析以及与用户类似的用户的过去交互来确定用于确定交互的风险水平的优化过程。动态网络分析系统可以从内部和外部数据源检索数据，以生成对查询的响应。动态网络分析系统进行优化的过程，并使用检索到的数据来响应来自数据请求者的查询来生成风险评估和风险分数。

9. 发明申请

US20130144888A1 DYNAMIC NETWORK ANALYTICS SYSTEM 有权
标题翻译：动态网络分析系统
公开(公告)号：US20130144888A1
公开(公告)日：2013-06-06
申请号：US13706226
申请日：2012-12-05
申请人： Patrick Faith , Kevin P. Siegel , Theodore Harris , Craig O'Connell
发明人： Patrick Faith , Kevin P. Siegel , Theodore Harris , Craig O'Connell
IPC分类号： G06F17/30
CPC分类号： G06F17/30696 , G06Q20/40 , G06Q20/4016
摘要： Embodiments of the invention is directed to a dynamic network analytics system capable of receiving and analyzing queries sent in data messages from data requesters. The queries contain a request from the data requester as to a risk level associated with an interaction conducted by a user. The dynamic network analytics system can determine an optimized process for determining the risk level of the interaction, based on an analysis of past interactions by the user and past interactions by users similar to the user. The dynamic network analytics system can retrieve data from internal and external data sources to generate a response to the query. The dynamic network analytics system conducts the optimized process and uses the retrieved data to generate risk assessments and risk scores in response to the query from the data requester.
摘要翻译：本发明的实施例涉及能够接收和分析从数据请求者发送的数据消息中的查询的动态网络分析系统。这些查询包含来自数据请求者的关于与由用户进行的交互相关联的风险级别的请求。动态网络分析系统可以基于用户对过去交互的分析以及与用户类似的用户的过去交互来确定用于确定交互的风险水平的优化过程。动态网络分析系统可以从内部和外部数据源检索数据，以生成对查询的响应。动态网络分析系统进行优化的过程，并使用检索到的数据来响应来自数据请求者的查询来生成风险评估和风险分数。

10. 发明申请

US20120310831A1 REPUTATION MANAGEMENT IN A TRANSACTION PROCESSING SYSTEM 审中-公开
标题翻译：交易处理系统中的回报管理
公开(公告)号：US20120310831A1
公开(公告)日：2012-12-06
申请号：US13485637
申请日：2012-05-31
申请人： Theodore Harris , Patrick Faith
发明人： Theodore Harris , Patrick Faith
IPC分类号： G06Q40/00
CPC分类号： G06Q30/02
摘要： A method includes: receiving information regarding a plurality of completed transactions from a plurality of users; receiving a query from a first user regarding a proposed transaction; determining at least one affinity between the first user and the plurality of users based on the information; determining a ranking or expectation of success for each of a plurality of potential entities for the proposed transaction based on the at least one affinity; selecting a plurality of selected entities based on the ranking or expectation of success for each of the potential entities; and sending, in response to the query, the plurality of selected entities to the first user.
摘要翻译：一种方法包括：从多个用户接收关于多个完成的交易的信息; 从第一用户接收关于所提交的交易的查询; 基于所述信息确定所述第一用户和所述多个用户之间的至少一个亲和度; 基于所述至少一个亲和度确定针对所提出的交易的多个潜在实体中的每一个的成功的排名或期望; 基于每个潜在实体的成功的排名或期望来选择多个选定的实体; 以及响应于所述查询向所述第一用户发送所述多个所选择的实体。

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