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61. 发明申请

WO2004015995A2 MULTIMEDIA MESSAGING SYSTEM (MMS) BILLING SYSTEM AND METHOD OF OPERATION 审中-公开
标题翻译：多媒体信使系统（MMS）账单系统和操作方法
公开(公告)号：WO2004015995A2
公开(公告)日：2004-02-19
申请号：PCT/EP2003/005079
申请日：2003-05-12
申请人： MOTOROLA INC , TEH, Jonathan, Soon, Yew , HOBSON, Paola, Marcella , MACDONALD, John, Alexander
发明人： TEH, Jonathan, Soon, Yew , HOBSON, Paola, Marcella , MACDONALD, John, Alexander
IPC分类号： H04N7/16
CPC分类号： G06Q20/1235 , G06Q20/00 , G06Q20/14 , G06Q20/145 , G06Q30/06 , H04N7/173 , H04N21/2543 , H04N21/4334 , H04N21/44204 , H04N21/4627 , H04N21/8352
摘要： A multimedia message billing system (200) comprises a multimedia messaging controller (240) operably coupled to a multimedia messaging server (220) that distributes multimedia message content (100). One or more multimedia messaging clients (210, 230, 410) accesses, receives or distributes the multimedia message content (100). The multimedia message content (100) contains an embedded copyright notice (140) that is extracted to trigger a billing event to charge a user of a multimedia messaging client (210, 230, 410) for accessing, receiving or distributing the multimedia message content (100). In this manner, a billing mechanism enables legitimate distribution and/or editing and/or forwarding of multimedia message content, with implicit approval from the content owner. A charge can be levied on the user of the multimedia-messaging client based on the extracted copyright notice.
摘要翻译：多媒体消息计费系统（200）包括可操作地耦合到分发多媒体消息内容（100）的多媒体消息收发服务器（220）的多媒体消息收发控制器（240）。一个或多个多媒体消息客户端（210,230,410）访问，接收或分发多媒体消息内容（100）。所述多媒体消息内容（100）包含被提取以触发记帐事件以对多媒体消息收发客户端（210,230,410）的用户收费的嵌入式版权声明（140），用于访问，接收或分发所述多媒体消息内容 100）。以这种方式，计费机制允许从内容所有者的隐式批准来合法分发和/或编辑和/或转发多媒体消息内容。可以基于提取的版权声明对多媒体消息客户端的用户征收费用。

62. 发明申请

WO0212983A8 METHOD AND APPARATUS FOR SECURE IDENTIFICATION FOR NETWORKED ENVIRONMENTS 审中-公开
标题翻译：用于网络环境安全识别的方法和装置
公开(公告)号：WO0212983A8
公开(公告)日：2003-11-20
申请号：PCT/US0141573
申请日：2001-08-06
申请人： CK GLOBAL INC , AARONS MICHAEL THOMAS
发明人： AARONS MICHAEL THOMAS
IPC分类号： G06Q20/00 , G07F7/10 , H04L9/00
CPC分类号： G07F7/1016 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/3825
摘要： Described is an apparatus for containment of Digital Personal Identity Signatures for use in completing and signing documents in a network or Internet environment. The apparatus contains a digital signature certificate issued by a third party that is used in place of an actual signature to allow completion of binding contracts through the use of a computer used over an Internet or Intranet environment. The apparatus includes a custom designed Compact Disc (101) containing encrypted data and software that is used to access the digital signature in a secure environment. Access to the data is provided in a secure environment by requiring the use of an access password or Personal Identification Number, an alphabetic pass phrase, or an alphanumeric pass phrase to prevent fraudulent use of the digital signature in the event of loss or theft of the apparatus.
摘要翻译：描述了一种用于容纳数字个人身份签名的装置，用于在网络或因特网环境中完成和签名文档。该装置包含由第三方发行的代替实际签名的数字签名证书，以允许通过使用通过因特网或内联网环境使用的计算机来完成绑定合同。该设备包括定制设计的压缩光盘（101），其包含用于在安全环境中访问数字签名的加密数据和软件。通过要求使用访问密码或个人识别号码，字母密码短语或字母数字密码短语，在安全环境中提供访问数据，以防止在丢失或被盗窃的情况下欺诈性使用数字签名仪器。

63. 发明申请

WO2003081495A1 現金自動取引システム审中-公开
标题翻译：现金自动处理系统
公开(公告)号：WO2003081495A1
公开(公告)日：2003-10-02
申请号：PCT/JP2002/002858
申请日：2002-03-25
申请人：富士通株式会社 , 大原洋二
发明人：大原洋二
IPC分类号： G06F17/60
CPC分类号： H04M15/68 , G06Q20/00 , G06Q20/10 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3552 , G06Q40/02 , G07F7/1008 , G07F19/20 , G07F19/211 , H04M2215/0196 , H04M2215/32
摘要：携帯電話及びコンピュータネットワークを利用して利用者および金融機関の双方の利便性を向上させた現金自動取引システム。この現金自動取引システムは、コンピュータネットワークに接続され、携帯電話に少なくとも利用者の認証処理および現金自動取引装置との通信処理を実行させるための取引処理用プログラムを配信するサーバと、そのコンピュータネットワークを介して該サーバから該取引処理用プログラムを受信して格納し、該取引処理用プログラムに従って利用者の認証処理および現金自動取引装置との通信処理を実行する携帯電話と、その携帯電話との通信により入力されるデータに基づいて現金自動取引処理を実行する現金自動取引装置と、を含む。
摘要翻译：通过使用便携式电话和计算机网络来改善用户和金融机构的便利性的现金自动交易系统。该系统包括连接到计算机网络的服务器，并且适于将用于认证用户的交易程序和现金自动交易装置通信给便携式电话，该便携式电话包含经由计算机网络从服务器接收的交易程序并且适于对用户进行认证并根据交易程序与现金自动交易装置通信，以及根据通过与便携式电话的通信输入的数据自动处理现金的现金自动交易装置。

64. 发明申请

WO03027800A3 METHOD AND APPARATUS FOR SECURE MOBILE TRANSACTION 审中-公开
标题翻译：用于安全移动交易的方法和装置
公开(公告)号：WO03027800A3
公开(公告)日：2003-07-31
申请号：PCT/US0229772
申请日：2002-09-19
申请人： MOTOROLA INC
发明人： MIHM THOMAS J JR , BINA FRED F , NGUYEN KHANH Q , MOSELEY PHILIP
IPC分类号： G06F21/22 , G06F12/14 , G06F21/00 , G06Q20/00 , G09C1/00 , H04L9/00 , H04L9/10 , H04W12/00 , G06F1/28 , G06F11/30
CPC分类号： G06Q20/12 , G06F21/51 , G06F21/575 , G06Q20/00 , G06Q20/32 , G06Q20/3227 , G06Q20/3823
摘要： A system for securing and authenticating wireless transactions. The method includes hard cooing a public key intoa non-reprogramable ROM (114) through a first path (130) of a wireless communication device (116). An object to be stored on the wireless device is first signed by a private or secret key (104), which corresponds to the public key (104), to create a certificate (120). The certificate (120) is then bound to the object and both are subsequently sent to the wireless device (116) though a second path (132), which is different from the first path (130). A certifiedprogram segment (119) is also stored on the wireless device and is executed upon the boot up process of the device. During the boot process of the device, the certified program segment (119) is authenticated , and if authentic, it is executed. During the execution of the authenticated certified program sequence (119), certificates of corresponding objects stored on the device are authenticated by the public key and cryptographic program segments stored in the non-reprogramable ROM.
摘要翻译：一种用于保护和认证无线交易的系统。该方法包括通过无线通信设备（116）的第一路径（130）将公共密钥硬化到不可重新编程的ROM（114）中。要存储在无线设备上的对象首先由对应于公钥（104）的专用或秘密密钥（104）签名，以创建证书（120）。证书（120）然后被绑定到对象，并且随后通过不同于第一路径（130）的第二路径（132）将两者都发送到无线设备（116）。认证程序段（119）也存储在无线设备上，并且在设备的启动过程中被执行。在设备的启动过程中，认证的程序段（119）被认证，如果是真实的，则被执行。在认证的认证程序序列（119）的执行期间，存储在设备上的相应对象的证书由存储在不可重新编程的ROM中的公钥和密码程序段进行认证。

65. 发明申请

WO2003052708A2 ON-LINE PAYMENTS SYSTEM 审中-公开
标题翻译：在线付款系统
公开(公告)号：WO2003052708A2
公开(公告)日：2003-06-26
申请号：PCT/GB2002/005561
申请日：2002-12-09
申请人： WEBSTER, Paul
发明人： WEBSTER, Paul
IPC分类号： G07F19/00
CPC分类号： G06Q20/12 , G06Q20/00 , G06Q20/10 , G06Q20/24 , G06Q20/28 , G06Q20/385
摘要： Payments for purchases made from web sites may be effected by pre-registering customers and merchants. Customers and merchants are assigned at least one virtual account and a public and a private account number. Customers deposit funds into a system collection account and their virtual accounts are credited by the same amount. Purchases are made online by requesting a transfer of the purchase price from the customer virtual account to the merchant virtual account accompanied by the customer's private account number. The merchant may access funds in their virtual account by transferring the real amount from the system collection account to their own bank accounts on an instruction accompanied by their private account number.
摘要翻译：从网站购物的付款可以通过预注册客户和商家来实现。客户和商户至少分配一个虚拟帐户和公共和私人帐号。客户将资金存入系统收款帐户，其虚拟账户的金额相同。通过请求将客户虚拟帐户的购买价格转移到商家虚拟账户并伴随客户的私人帐号进行在线购买。商家可以通过将私人帐号附带的指令将实际金额从系统收款帐户转移到自己的银行帐户来访问其虚拟账户中的资金。

66. 发明申请

WO2003046734A1 MULTIMEDIA PRESENTATION THAT ASSISTS A USER IN THE PLAYING OF A MUSICAL INSTRUMENT 审中-公开
标题翻译：协助用户演奏音乐仪器的多媒体演示
公开(公告)号：WO2003046734A1
公开(公告)日：2003-06-05
申请号：PCT/US2002/037154
申请日：2002-11-19
申请人： LINE 6, INC.
发明人： BRINKMAN, John , HAMILTON, Dave , LONGAWA, John , RAMPLEY, Rob , RANDALL, Charles, Corris , RYLE, Marcus
IPC分类号： G06F13/00
CPC分类号： G06Q20/12 , G06Q20/00 , G06Q20/388 , G06Q20/4014 , G10H1/0058 , G10H2240/026 , G10H2240/056 , G10H2240/175 , G10H2240/285 , G10H2240/305
摘要： Disclosed is a system and method to deliver a multimedia presentation of an audio file to a computing device (102) for display to a user and further to allow the user to play a musical instrument (112) in conjunction with the multimedia presentation. In response to a user selecting a musical piece at the computing device (102), a server (104) transmits a session file associated with the musical piece to the computing device (102) through a computer network (105). The session file includes an audio file and multimedia data such that the computing device (102) can process the session file to present the multimedia presentation of the audio file to the user. An interface device (106) is connected to the computing device (102) and to the user's musical instrument (112). The interface device (106) couples the musical instrument (112) to the computing device (102) such that the user can play the musical instrument (112) in conjunction with the multimedia presentation of the audio file.
摘要翻译：公开了一种将音频文件的多媒体呈现递送到计算设备（102）以便向用户显示并进一步允许用户结合多媒体呈现播放乐器（112）的系统和方法。响应于用户在计算设备（102）处选择乐曲，服务器（104）通过计算机网络（105）将与乐曲相关联的会话文件发送到计算设备（102）。会话文件包括音频文件和多媒体数据，使得计算设备（102）可以处理会话文件以向用户呈现音频文件的多媒体呈现。接口设备（106）连接到计算设备（102）和用户的乐器（112）。接口设备（106）将乐器（112）耦合到计算设备（102），使得用户可以结合音频文件的多媒体呈现播放乐器（112）。

67. 发明申请

WO03046685A2 METHOD AND SYSTEM FOR AUTHORIZING USE OF A TRANSACTION CARD 审中-公开
标题翻译：授权使用交易卡的方法和系统
公开(公告)号：WO03046685A2
公开(公告)日：2003-06-05
申请号：PCT/US0236949
申请日：2002-11-18
申请人： PITNEY BOWES INC
发明人： WRONSKI JOHN S JR
IPC分类号： G06Q20/00 , G06F
CPC分类号： G06Q20/385 , G06Q20/00 , G06Q20/3674 , G06Q20/40 , G06Q30/0601
摘要： A method for authorizing purchases by an owner of an account previously established with a bank where the owner wants to purchase an item from a merchant. The method including the step(s) of : (I) providing a plurality of authorization parameters potentially available for use in calculating an authorization code associated with a transaction to purchase the item; (ii) defining a selected subset of the plurality of authorization parameters; (iii) establishing respective authorisation parameter data for each of the selected authorization parameters; (iv) calculating the authorization code corresponding to the established authorization parameter data; (v) providing the authorization code to the owner; (vi) receiving the authorization code and transaction data from the merchant at the bank; (vii) calculating a confirmation authorization code from the transaction data corresponding to the selected parameter data; and (viii) comparing the authorization code with the confirmation authorization code to determine whether or not to approve the transaction.
摘要翻译：授权由业主以前与银行建立的帐户的所有者的购买方法，其中所有者希望从商家购买商品。该方法包括以下步骤：（I）提供潜在可用于计算与交易相关联的授权代码购买该项目的多个授权参数; （ii）定义所述多个授权参数的选定子集; （iii）为每个所选择的授权参数建立相应的授权参数数据; （iv）计算与所建立的授权参数数据相对应的授权码; （v）向业主提供授权代码; （vi）从银行的商家处收到授权代码和交易数据; （vii）从对应于所选择的参数数据的交易数据计算确认授权码; 和（viii）将授权码与确认授权码进行比较，以确定是否批准交易。

68. 发明申请

WO2003042776A2 PAYMENT APPARATUS AND METHOD USING BARCODE STORED IN MOBILE COMMUNICATION TERMINAL 审中-公开
标题翻译：使用存储在移动通信终端中的条形码的付款设备和方法
公开(公告)号：WO2003042776A2
公开(公告)日：2003-05-22
申请号：PCT/KR2002/002099
申请日：2002-11-11
申请人： DIGITAL SERVICE CO. LTD. , KIM, Young-Jin
发明人： KIM, Young-Jin
IPC分类号： G06F
CPC分类号： G06Q20/04 , G06Q20/00 , G06Q20/24 , G06Q20/32 , G06Q20/325 , G06Q20/3255
摘要： The present invention provides a payment apparatus and method using a barcode stored in a mobile communication terminal. The present invention stores a barcode in a user's mobile communication terminal, allows the user to use a desired amount of money in a deferred payment manner using the barcode within a credit limit of a user's credit card, and allows the user to use this apparatus by entering a barcode number stored in the mobile communication terminal and a secret number through personal communication means, thus minimizing inconveniences due to the carrying of credit cards, preventing crimes due to the loss of credit cards, enabling the user to pay a commodity purchasing price later or in advance according to the user's selection, reducing a burden caused by the use of credit cards by a credit card user, and enabling the user to conveniently and safely pay for commodities and services
摘要翻译：本发明提供一种使用存储在移动通信终端中的条形码的支付装置和方法。本发明将条形码存储在用户的移动通信终端中，允许用户使用用户信用卡的信用限制内的条形码以延迟支付方式使用期望的金额，并且允许用户使用该设备通过个人通信手段输入存储在移动通信终端中的条形码号码，并通过个人通信手段输入秘密号码，从而最小化由于携带信用卡而引起的不便，防止信用卡丢失引起的犯罪，使用户能够稍后支付商品购买价格或者根据用户的选择预先减少由信用卡用户使用信用卡造成的负担，并且使用户能够方便和安全地支付商品和服务

69. 发明申请

WO2003034353A2 A COMPUTERIZED MONEY TRANSFER SYSTEM AND METHOD 审中-公开
标题翻译：计算机货币转移系统和方法
公开(公告)号：WO2003034353A2
公开(公告)日：2003-04-24
申请号：PCT/GB2002/004652
申请日：2002-10-15
申请人： CHEQUEPOINT FRANCHISE CORPORATION , GROVIT, Felix , GROVIT, Stefan, Carim, Ismail , VICHHI, Neel
发明人： GROVIT, Felix , GROVIT, Stefan, Carim, Ismail , VICHHI, Neel
IPC分类号： G07F
CPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/108 , G06Q20/18 , G06Q20/381 , G06Q40/00 , G06Q40/02 , G06Q40/04
摘要： A computerized money transfer system implements a money transfer service for transferring money from a sending entity to at least one receiving entity. A plurality of agent terminals operable by agents of the money transfer service are interconnected by a communications network. A money transfer control system is connected to the communications network for controlling the implementation of the money transfer service. The money transfer control system includes an agent account data store storing account data for each agent and a transaction data store storing transaction data for transactions by agents implementing money transfers from a sending entity to at least one receiving entity. When data is input to an agent terminal by a sending agent instigating a money transfer requested by a sending entity to at least one receiving entity, the data is transmitted to the money transfer control system. The input data identifies the sending and receiving entities, sending agent and at least one receiving agent that is to remit the money transferred thereto to the or each receiving entity. The money transfer control system records the input data in the transaction data store as a transaction from a sending agent to at least one receiving agent for a sending entity and at least one receiving entity and updates the agent account data in the agent account data store for the sending and receiving agents.
摘要翻译：计算机化货币转移系统实施汇款服务，用于将货币从发送实体转移到至少一个接收实体。通过货币转移服务的代理可操作的多个代理终端通过通信网络相互连接。汇款控制系统连接到通信网络，用于控制汇款业务的实施。货币转移控制系统包括存储每个代理的帐户数据的代理帐户数据存储和存储实现从发送实体到至少一个接收实体的汇款的代理的交易的交易数据的交易数据存储。当通过发送实体向至少一个接收实体请求发送汇款的发送代理向代理终端输入数据时，将数据发送到汇款控制系统。输入数据标识发送和接收实体，发送代理和至少一个接收代理，该代理将转移到其上的钱汇给该接收实体。货币转移控制系统将交易数据存储器中的输入数据作为交易从发送代理记录到用于发送实体和至少一个接收实体的至少一个接收代理，并且更新代理帐户数据存储中的代理帐户数据，以便发送和接收代理。

70. 发明申请

WO2003017128A1 METHOD AND APPARATUS FOR ELECTRONIC DATA SHARING 审中-公开
标题翻译：电子数据共享的方法和装置
公开(公告)号：WO2003017128A1
公开(公告)日：2003-02-27
申请号：PCT/US2002/025602
申请日：2002-08-13
申请人： EXCLAIM ENTERPRISES, INC. , LUCAS, Stephen
发明人： LUCAS, Stephen
IPC分类号： G06F17/16
CPC分类号： G06Q20/20 , G06Q20/00 , G06Q20/04 , G06Q20/206 , G06Q20/32 , G06Q20/322 , G06Q20/327 , G06Q20/4014
摘要： Referring to the figure, data devices (20) that receive data (42), store the data (44), and transmit the data (46) without performing heavy computation and such a data device may have a memory component (22) and communication mechanism (24) that transmit data (46) and receives data (48) and the data transmission (46) would be wireless. Among other applications, one application of the data device (20) would be to wireless payment system (50).
摘要翻译：参考附图，接收数据（42）的数据设备（20）存储数据（44）并且在不执行大量计算的情况下发送数据（46），并且这样的数据设备可以具有存储器组件（22）和通信发送数据（46）并接收数据（48）和数据传输（46）的机制（24）将是无线的。在其他应用中，数据设备（20）的一个应用将是无线支付系统（50）。

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