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1. 发明申请

US20130179956A1 Mobile Anti-Phishing 有权
标题翻译：手机反网络钓鱼
公开(公告)号：US20130179956A1
公开(公告)日：2013-07-11
申请号：US13782919
申请日：2013-03-01
申请人： Upendra Mardikar , Kent Griffin , Elizabeth Alison Miller , Amol Patel
发明人： Upendra Mardikar , Kent Griffin , Elizabeth Alison Miller , Amol Patel
IPC分类号： H04W12/06
CPC分类号： H04L63/0846 , H04L9/3228 , H04L63/083 , H04L63/0838 , H04L63/0876 , H04L63/1466 , H04L63/1483 , H04L2209/80 , H04W12/06 , H04W12/12
摘要： A method for inhibiting phishing can include sending information from a mobile network device to a website server, generating a one time password at the mobile network device from the information, generating a one time password at the website server from the information, sending the one time password generated at the website server to the mobile network device when the mobile network device subsequently accesses the website, and comparing the one time password generated at the website server to the one time password generated at the mobile network device. In this manner, the website can be authenticated such that the occurrence of phishing is substantially mitigated.
摘要翻译：一种用于禁止网络钓鱼的方法可以包括从移动网络设备向网站服务器发送信息，在该移动网络设备处从该信息生成一次密码，从该信息在该网站服务器处产生一次密码，一次发送当移动网络设备随后访问网站时，在网站服务器处生成的密码到移动网络设备，并且将在网站服务器处生成的一次密码与在移动网络设备处生成的一次密码进行比较。以这种方式，可以认证网站，从而大大减轻网络钓鱼的发生。

2. 发明授权

US08424057B2 Mobile anti-phishing 有权
标题翻译：手机反网络钓鱼
公开(公告)号：US08424057B2
公开(公告)日：2013-04-16
申请号：US11966800
申请日：2007-12-28
申请人： Upendra Mardikar , Kent Griffin , Elizabeth Allison Miller , Amol Patel
发明人： Upendra Mardikar , Kent Griffin , Elizabeth Allison Miller , Amol Patel
IPC分类号： G06F21/00
CPC分类号： H04L63/0846 , H04L9/3228 , H04L63/083 , H04L63/0838 , H04L63/0876 , H04L63/1466 , H04L63/1483 , H04L2209/80 , H04W12/06 , H04W12/12
摘要： A method for inhibiting phishing can include sending information from a mobile network device to a website server, generating a one time password at the mobile network device from the information, generating a one time password at the website server from the information, sending the one time password generated at the website server to the mobile network device when the mobile network device subsequently accesses the website, and comparing the one time password generated at the website server to the one time password generated at the mobile network device. In this manner, the website can be authenticated such that the occurrence of phishing is substantially mitigated.
摘要翻译：一种用于禁止网络钓鱼的方法可以包括从移动网络设备向网站服务器发送信息，在该移动网络设备处从该信息生成一次密码，从该信息在该网站服务器处产生一次密码，一次发送当移动网络设备随后访问网站时，在网站服务器处生成的密码到移动网络设备，并且将在网站服务器处生成的一次密码与在移动网络设备处生成的一次密码进行比较。以这种方式，可以认证网站，从而大大减轻网络钓鱼的发生。

3. 发明授权

US08656459B2 Mobile anti-phishing 有权
标题翻译：手机反网络钓鱼
公开(公告)号：US08656459B2
公开(公告)日：2014-02-18
申请号：US13782919
申请日：2013-03-01
申请人： Upendra Mardikar , Kent Griffin , Elizabeth Allison Miller , Amol Patel
发明人： Upendra Mardikar , Kent Griffin , Elizabeth Allison Miller , Amol Patel
IPC分类号： G06F21/00
CPC分类号： H04L63/0846 , H04L9/3228 , H04L63/083 , H04L63/0838 , H04L63/0876 , H04L63/1466 , H04L63/1483 , H04L2209/80 , H04W12/06 , H04W12/12
摘要： A method for inhibiting phishing can include sending information from a mobile network device to a website server, generating a one time password at the mobile network device from the information, generating a one time password at the website server from the information, sending the one time password generated at the website server to the mobile network device when the mobile network device subsequently accesses the website, and comparing the one time password generated at the website server to the one time password generated at the mobile network device. In this manner, the website can be authenticated such that the occurrence of phishing is substantially mitigated.
摘要翻译：一种用于禁止网络钓鱼的方法可以包括从移动网络设备向网站服务器发送信息，在该移动网络设备处从该信息生成一次密码，从该信息在该网站服务器处产生一次密码，一次发送当移动网络设备随后访问网站时，在网站服务器处生成的密码到移动网络设备，并且将在网站服务器处生成的一次密码与在移动网络设备处生成的一次密码进行比较。以这种方式，可以认证网站，从而大大减轻网络钓鱼的发生。

4. 发明申请

US20090172775A1 MOBILE ANTI-PHISHING 有权
标题翻译：移动防伪
公开(公告)号：US20090172775A1
公开(公告)日：2009-07-02
申请号：US11966800
申请日：2007-12-28
申请人： Upendra Mardikar , Kent Griffin , Elizabeth Allison Miller , Amol Patel
发明人： Upendra Mardikar , Kent Griffin , Elizabeth Allison Miller , Amol Patel
IPC分类号： H04L9/32
CPC分类号： H04L63/0846 , H04L9/3228 , H04L63/083 , H04L63/0838 , H04L63/0876 , H04L63/1466 , H04L63/1483 , H04L2209/80 , H04W12/06 , H04W12/12
摘要： A method for inhibiting phishing can include sending information from a mobile network device to a website server, generating a one time password at the mobile network device from the information, generating a one time password at the website server from the information, sending the one time password generated at the website server to the mobile network device when the mobile network device subsequently accesses the website, and comparing the one time password generated at the website server to the one time password generated at the mobile network device. In this manner, the website can be authenticated such that the occurrence of phishing is substantially mitigated.
摘要翻译：一种用于禁止网络钓鱼的方法可以包括从移动网络设备向网站服务器发送信息，在该移动网络设备处从该信息生成一次密码，从该信息在该网站服务器处产生一次密码，一次发送当移动网络设备随后访问网站时，在网站服务器处生成的密码到移动网络设备，并且将在网站服务器处生成的一次密码与在移动网络设备处生成的一次密码进行比较。以这种方式，可以认证网站，从而大大减轻网络钓鱼的发生。

5. 发明申请

US20090182674A1 FACILITATING FINANCIAL TRANSACTIONS WITH A NETWORK DEVICE 审中-公开
标题翻译：促进与网络设备的财务交易
公开(公告)号：US20090182674A1
公开(公告)日：2009-07-16
申请号：US12013635
申请日：2008-01-14
申请人： Amol Patel , Kent Griffin
发明人： Amol Patel , Kent Griffin
IPC分类号： G06Q40/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/322 , G06Q20/3821 , G06Q20/4012 , G06Q30/0603 , G06Q40/00
摘要： Systems and methods provide for communicating with a user device via a network, receiving a first numeric identifier from the user device, associating the first numeric identifier with a user account, and processing a financial transaction requested by the user device. The user device includes a mobile phone, and the first numeric identifier includes a mobile phone number associated with the user device.
摘要翻译：系统和方法提供经由网络与用户设备通信，从用户设备接收第一数字标识符，将第一数字标识符与用户帐户相关联，以及处理由用户设备请求的金融交易。用户设备包括移动电话，并且第一数字标识符包括与用户设备相关联的移动电话号码。

6. 发明授权

US08886569B2 System and method for location based mobile commerce 有权
标题翻译：基于位置的移动商务的系统和方法
公开(公告)号：US08886569B2
公开(公告)日：2014-11-11
申请号：US12495738
申请日：2009-06-30
申请人： Amol Patel , Suraj Satheesan Menon
发明人： Amol Patel , Suraj Satheesan Menon
IPC分类号： G06Q99/00 , G06Q30/06 , H04W4/02 , H04W4/18 , G06Q20/32
CPC分类号： G06Q30/0639 , G06Q20/3224 , G06Q30/0601 , G06Q30/0603 , H04W4/02 , H04W4/023 , H04W4/18 , H04W64/00
摘要： In accordance with one or more embodiments of the present disclosure, a method for facilitating financial transactions over a network includes communicating with a user via a first mobile communication device over the network, obtaining a geo-location of the first mobile communication device, communicating with a merchant via a second mobile communication device over the network, obtaining a radius of coverage for the second mobile communication device, determining whether the geo-location of the first mobile communication device is within the radius of coverage of the second mobile communication device, and providing a listing to the first mobile communication device of one or more items for sale by the merchant when the first mobile communication device is within the radius of coverage of the second mobile communication device.
摘要翻译：根据本公开的一个或多个实施例，用于促进网络上的金融交易的方法包括经由网络经由第一移动通信设备与用户通信，获得第一移动通信设备的地理位置，与通过网络经由第二移动通信设备的商家，获得第二移动通信设备的覆盖半径，确定第一移动通信设备的地理位置是否在第二移动通信设备的覆盖范围内，以及当所述第一移动通信设备在所述第二移动通信设备的覆盖范围内时，向所述第一移动通信设备提供由所述商家出售的一个或多个项目的列表。

7. 发明申请

US20120089483A1 ESCROW PAYMENT TO FACILIATE ON-LINE TRANSACTIONS 有权
标题翻译：支付付款以促进在线交易
公开(公告)号：US20120089483A1
公开(公告)日：2012-04-12
申请号：US13329060
申请日：2011-12-16
申请人： Amol Patel , Germán Scipioni
发明人： Amol Patel , Germán Scipioni
IPC分类号： G06Q30/06
CPC分类号： G07G1/0036 , G06Q20/12 , G06Q20/40 , G06Q30/0601 , G06Q30/0613 , G06Q30/0641 , G06Q40/12
摘要： A system and method enables sellers to define a secret shared with an on-line payment provider when listing an item or service for purchase. Consumers deposit funds into an on-line escrow or holding account before committing to a financial on-line transaction or purchase. Once an item is located, the consumer may contact the seller for additional information. By placing funds in escrow, the seller may be more willing to spend the time and effort to deal with the consumer. The consumer, in turn, receives more information to make a purchasing decision. If the transaction is to be completed, the consumer instructs the payment provider maintaining the escrow account to release the funds to the seller's account. The seller is notified by the payment provider, where the notification includes the secret. This enables the seller to authenticate the confirmation message.
摘要翻译：当列出要购买的商品或服务时，系统和方法使卖家能够定义与在线支付提供商共享的秘密。在进行财务在线交易或购买之前，消费者将资金存入在线托管或持有账户。一旦找到了一个项目，消费者可以联系卖家获取更多信息。通过将资金投入托管，卖方可能更愿意花费时间和精力来处理消费者。反过来，消费者会收到更多的信息作出购买决定。如果交易完成，消费者指示支付提供商维护代管帐户将资金发放到卖方的账户。卖方由付款提供商通知，通知包含秘密。这使卖方能够验证确认信息。

8. 发明申请

US20100332339A1 SYSTEM AND METHOD FOR LOCATION BASED MOBILE COMMERCE 有权
标题翻译：基于位置的移动商务系统与方法
公开(公告)号：US20100332339A1
公开(公告)日：2010-12-30
申请号：US12495738
申请日：2009-06-30
申请人： Amol Patel , Suraj Satheesan Menon
发明人： Amol Patel , Suraj Satheesan Menon
IPC分类号： G06Q30/00 , H04W4/02
CPC分类号： G06Q30/0639 , G06Q20/3224 , G06Q30/0601 , G06Q30/0603 , H04W4/02 , H04W4/023 , H04W4/18 , H04W64/00
摘要： In accordance with one or more embodiments of the present disclosure, a method for facilitating financial transactions over a network includes communicating with a user via a first mobile communication device over the network, obtaining a geo-location of the first mobile communication device, communicating with a merchant via a second mobile communication device over the network, obtaining a radius of coverage for the second mobile communication device, determining whether the geo-location of the first mobile communication device is within the radius of coverage of the second mobile communication device, and providing a listing to the first mobile communication device of one or more items for sale by the merchant when the first mobile communication device is within the radius of coverage of the second mobile communication device.
摘要翻译：根据本公开的一个或多个实施例，用于促进网络上的金融交易的方法包括经由网络经由第一移动通信设备与用户通信，获得第一移动通信设备的地理位置，与通过网络经由第二移动通信设备的商家，获得第二移动通信设备的覆盖半径，确定第一移动通信设备的地理位置是否在第二移动通信设备的覆盖范围内，以及当所述第一移动通信设备在所述第二移动通信设备的覆盖范围内时，向所述第一移动通信设备提供由所述商家出售的一个或多个项目的列表。

9. 发明申请

US20150044987A1 SYSTEM AND METHODS FOR ACCOUNT CREATION USING A FEATURE PHONE 有权
标题翻译：使用特色电话进行帐号创建的系统和方法
公开(公告)号：US20150044987A1
公开(公告)日：2015-02-12
申请号：US14133135
申请日：2013-12-18
申请人： Suraj Satheesan Menon , Amol Patel
发明人： Suraj Satheesan Menon , Amol Patel
IPC分类号： H04W8/20 , H04W4/24
CPC分类号： H04W8/20 , G06Q10/00 , G06Q20/322 , H04M15/705 , H04M15/715 , H04M15/72 , H04W4/24
摘要： There is provided systems and method for account creation using a feature phone. A user is able to create an account through a feature phone using limited or no Internet access. A user may request to set up an account with a payment provider and the user is asked to confirm that certain information can be provided to the service provider, such as a name, address, and identifier. Once confirmed correct, the user enters the date of birth. The service provider then request and/or creates an email associated with the account. The service provider then calls the user enter a payment card number, along with an expiration date and security code, as a funding source for the account. The user further establishes a PIN for future transactions. Once confirmed, the account is active and ready to use.
摘要翻译：提供了使用功能手机创建帐户的系统和方法。用户能够通过使用有限或无Internet访问的功能手机创建帐户。用户可以请求与付款提供商建立帐户，并且要求用户确认某些信息可以被提供给服务提供商，诸如姓名，地址和标识符。一旦确认正确，用户输入出生日期。然后，服务提供商请求和/或创建与该帐户相关联的电子邮件。服务提供商然后呼叫用户输入支付卡号码以及到期日期和安全码作为该帐户的资金来源。用户进一步为将来的交易建立PIN。一旦确认，该帐户是活动的并准备使用。

10. 发明授权

US08452666B2 Escrow payment to faciliate on-line transactions 有权
标题翻译：托管支付以促进在线交易
公开(公告)号：US08452666B2
公开(公告)日：2013-05-28
申请号：US13329060
申请日：2011-12-16
申请人： Amol Patel , German Scipioni
发明人： Amol Patel , German Scipioni
IPC分类号： G06Q40/00
CPC分类号： G07G1/0036 , G06Q20/12 , G06Q20/40 , G06Q30/0601 , G06Q30/0613 , G06Q30/0641 , G06Q40/12
摘要： A system and method enables sellers to define a secret shared with an on-line payment provider when listing an item or service for purchase. Consumers deposit funds into an on-line escrow or holding account before committing to a financial on-line transaction or purchase. Once an item is located, the consumer may contact the seller for additional information. By placing funds in escrow, the seller may be more willing to spend the time and effort to deal with the consumer. The consumer, in turn, receives more information to make a purchasing decision. If the transaction is to be completed, the consumer instructs the payment provider maintaining the escrow account to release the funds to the seller's account. The seller is notified by the payment provider, where the notification includes the secret. This enables the seller to authenticate the confirmation message.
摘要翻译：当列出要购买的商品或服务时，系统和方法使卖家能够定义与在线支付提供商共享的秘密。在进行财务在线交易或购买之前，消费者将资金存入在线托管或持有账户。一旦找到了一个项目，消费者可以联系卖家获取更多信息。通过将资金投入托管，卖方可能更愿意花费时间和精力来处理消费者。反过来，消费者会收到更多的信息作出购买决定。如果交易完成，消费者指示支付提供商维护代管帐户将资金发放到卖方的账户。卖方由付款提供商通知，通知包含秘密。这使卖方能够验证确认信息。

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