公开(公告)号：US07644042B2

公开(公告)日：2010-01-05

申请号：US11480753

申请日：2006-06-30

Applicant: Bharathi Ramavarjula ,  Jeffrey A. Hughes

Inventor： Bharathi Ramavarjula ,  Jeffrey A. Hughes

IPC: G06F17/00 ,  H04L9/32

CPC classification number: G06Q20/10 ,  G06Q20/40 ,  G06Q40/00

Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates a verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates a user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.

Abstract translation: 提供交易账户验证系统和方法。 用户计算设备发送包括帐户验证技术的选择的帐户注册请求。 服务提供商获得该请求并且与识别的金融服务提供商发起一组交易。 服务提供商生成反映该组事务的验证令牌以及与所选择的帐户验证技术相关联的至少一条信息。 用户计算设备从用户输入生成关于事务集合的用户验证令牌以及与所选择的帐户验证技术相关联的至少一条信息。 服务提供商可以验证交易帐户，并根据匹配的验证令牌设置交易阈值。

公开(公告)号：US20100094742A1

公开(公告)日：2010-04-15

申请号：US12642721

申请日：2009-12-18

Applicant: Bharathi Ramavarjula ,  Jeffrey A. Hughes

Inventor： Bharathi Ramavarjula ,  Jeffrey A. Hughes

IPC: G06Q40/00

CPC classification number: G06Q20/10 ,  G06Q20/40 ,  G06Q40/00

Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates at least one verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates at least one user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.

Abstract translation: 提供交易账户验证系统和方法。 用户计算设备发送包括帐户验证技术的选择的帐户注册请求。 服务提供商获得该请求并且与识别的金融服务提供商发起一组交易。 服务提供商生成反映该组交易的至少一个验证令牌以及与所选帐户验证技术相关联的至少一条信息。 用户计算设备从用户输入生成关于事务集合的至少一个用户验证令牌以及与所选择的帐户验证技术相关联的至少一条信息。 服务提供商可以验证交易帐户，并根据匹配的验证令牌设置交易阈值。

公开(公告)号：US20150012435A1

公开(公告)日：2015-01-08

申请号：US14322653

申请日：2014-07-02

Applicant: Bharathi Ramavarjula ,  Nimesh Parikh ,  Timothy Wright

Inventor： Bharathi Ramavarjula ,  Nimesh Parikh ,  Timothy Wright

IPC: G06Q20/40

CPC classification number: G06Q20/425 ,  G06Q20/3255 ,  G06Q20/3274 ,  G06Q20/4016

Abstract: A method for validating payment information for an online transaction is provided. A payment server can receive two representations of the same payment information. The payment information can be validated if it is determined that the two representations match. If there is no match, or the payment information is otherwise invalid, the payment information can be repaired based on a trusted representation of the payment information, such as stored payment information or an image of an associated value token. Payment information can be received via one or more communication channels, and can be provided by one or more consumer devices. A merchant service provider can validate payment information and handle transaction processing on behalf of a merchant.

Abstract translation: 提供一种用于验证在线交易的支付信息的方法。 支付服务器可以接收相同支付信息的两个表示。 如果确定两个表示匹配，则可以验证支付信息。 如果没有匹配，或支付信息无效，支付信息可以基于支付信息的信任表示来修复，诸如所存储的支付信息或相关联的值令牌的图像。 可以通过一个或多个通信信道接收付款信息，并且可以由一个或多个消费者设备提供付款信息。 商家服务提供商可以代表商家验证付款信息并处理交易处理。

公开(公告)号：US20120271762A1

公开(公告)日：2012-10-25

申请号：US13543245

申请日：2012-07-06

Applicant: 94303 Freeland ,  Franck Chastagnol ,  Hugo Olliphant ,  Celine Martig ,  Thomas Belousek ,  Bharathi Ramavarjula ,  Alex Khomenko ,  Kenneth Kang

Inventor： 94303 Freeland ,  Franck Chastagnol ,  Hugo Olliphant ,  Celine Martig ,  Thomas Belousek ,  Bharathi Ramavarjula ,  Alex Khomenko ,  Kenneth Kang

IPC: G06Q20/10

CPC classification number: G06Q20/10 ,  G06Q20/223 ,  G06Q20/32

Abstract: A method and system utilized to receive a registration request to register a mobile telephone with a financial payment system and contact information that identifies the mobile telephone. The system generates a confirmation code responsive to receiving the contact information and communicates the confirmation code to the mobile telephone. The system further receives from the mobile telephone a request to confirm the registration, the request to confirm registration including the confirmation code; and configures the first financial account at the financial payment system to receive instructions from the mobile telephone to transfer funds on the financial payment system.

Abstract translation: 一种用于接收注册请求的方法和系统，用于注册具有金融支付系统的移动电话和识别移动电话的联系信息。 系统响应于接收到联系人信息而生成确认码，并将确认码传送给移动电话。 该系统还从移动电话接收确认注册的请求，确认注册的请求包括确认码; 并配置财务支付系统上的第一个金融账户，以接收移动电话的指示，在金融支付系统上转账。

公开(公告)号：US08600886B2

公开(公告)日：2013-12-03

申请号：US13621000

申请日：2012-09-15

Applicant: Bharathi Ramavarjula ,  Jeffrey A. Hughes

Inventor： Bharathi Ramavarjula ,  Jeffrey A. Hughes

IPC: G06Q40/00

CPC classification number: G06Q20/10 ,  G06Q20/40 ,  G06Q40/00

Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates at least one verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates at least one user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.

Abstract translation: 提供交易账户验证系统和方法。 用户计算设备发送包括帐户验证技术的选择的帐户注册请求。 服务提供商获得该请求并且与识别的金融服务提供商发起一组交易。 服务提供商生成反映该组交易的至少一个验证令牌以及与所选帐户验证技术相关联的至少一条信息。 用户计算设备从用户输入生成关于事务集合的至少一个用户验证令牌以及与所选择的帐户验证技术相关联的至少一条信息。 服务提供商可以验证交易帐户，并根据匹配的验证令牌设置交易阈值。

公开(公告)号：US08321343B2

公开(公告)日：2012-11-27

申请号：US12642721

申请日：2009-12-18

Applicant: Bharathi Ramavarjula ,  Jeffrey A. Hughes

Inventor： Bharathi Ramavarjula ,  Jeffrey A. Hughes

IPC: G06Q40/00

CPC classification number: G06Q20/10 ,  G06Q20/40 ,  G06Q40/00

Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates at least one verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates at least one user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.

Abstract translation: 提供交易账户验证系统和方法。 用户计算设备发送包括帐户验证技术的选择的帐户注册请求。 服务提供商获得该请求并且与识别的金融服务提供商发起一组交易。 服务提供商生成反映该组交易的至少一个验证令牌以及与所选帐户验证技术相关联的至少一条信息。 用户计算设备从用户输入生成关于事务集合的至少一个用户验证令牌以及与所选择的帐户验证技术相关联的至少一条信息。 服务提供商可以验证交易帐户，并根据匹配的验证令牌设置交易阈值。

公开(公告)号：US20080015987A1

公开(公告)日：2008-01-17

申请号：US11480753

申请日：2006-06-30

Applicant: Bharathi Ramavarjula ,  Jeffrey A. Hughes

Inventor： Bharathi Ramavarjula ,  Jeffrey A. Hughes

IPC: G06Q40/00

CPC classification number: G06Q20/10 ,  G06Q20/40 ,  G06Q40/00

Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates a verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates a user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.

Abstract translation: 提供交易账户验证系统和方法。 用户计算设备发送包括帐户验证技术的选择的帐户注册请求。 服务提供商获得该请求并且与识别的金融服务提供商发起一组交易。 服务提供商生成反映该组事务的验证令牌以及与所选择的帐户验证技术相关联的至少一条信息。 用户计算设备从用户输入生成关于事务集合的用户验证令牌以及与所选择的帐户验证技术相关联的至少一条信息。 服务提供商可以验证交易帐户，并根据匹配的验证令牌设置交易阈值。

公开(公告)号：US20180068319A1

公开(公告)日：2018-03-08

申请号：US15811107

申请日：2017-11-13

Applicant: Bharathi Ramavarjula ,  Nimesh Parikh ,  Timothy Wright

Inventor： Bharathi Ramavarjula ,  Nimesh Parikh ,  Timothy Wright

IPC: G06Q20/42 ,  G06Q20/40 ,  G06Q20/32

CPC classification number: G06Q20/425 ,  G06Q20/3255 ,  G06Q20/3274 ,  G06Q20/4016

Abstract: A method for validating payment information for an online transaction is provided. A payment server can receive two representations of the same payment information. The payment information can be validated if it is determined that the two representations match. If there is no match, or the payment information is otherwise invalid, the payment information can be repaired based on a trusted representation of the payment information, such as stored payment information or an image of an associated value token. Payment information can be received via one or more communication channels, and can be provided by one or more consumer devices. A merchant service provider can validate payment information and handle transaction processing on behalf of a merchant.

公开(公告)号：US20130060698A1

公开(公告)日：2013-03-07

申请号：US13621000

申请日：2012-09-15

Applicant: Bharathi Ramavarjula ,  Jeffrey A. Hughes

Inventor： Bharathi Ramavarjula ,  Jeffrey A. Hughes

IPC: G06Q20/40

CPC classification number: G06Q20/10 ,  G06Q20/40 ,  G06Q40/00

Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates at least one verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates at least one user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.

Abstract translation: 提供交易账户验证系统和方法。 用户计算设备发送包括帐户验证技术的选择的帐户注册请求。 服务提供商获得该请求并且与识别的金融服务提供商发起一组交易。 服务提供商生成反映该组交易的至少一个验证令牌以及与所选帐户验证技术相关联的至少一条信息。 用户计算设备从用户输入生成关于事务集合的至少一个用户验证令牌以及与所选择的帐户验证技术相关联的至少一条信息。 服务提供商可以验证交易帐户，并根据匹配的验证令牌设置交易阈值。

公开(公告)号：US20060085253A1

公开(公告)日：2006-04-20

申请号：US10968197

申请日：2004-10-18

Applicant: Matthew Mengerink ,  Michel Weksler ,  Bharathi Ramavarjula

Inventor： Matthew Mengerink ,  Michel Weksler ,  Bharathi Ramavarjula

IPC: G07G1/14 ,  G07G1/00 ,  G06Q30/00

CPC classification number: G06Q30/02 ,  G06Q20/12 ,  G06Q30/0222 ,  G06Q30/0251 ,  G06Q30/06 ,  G06Q30/0601

Abstract: A method and a system to utilize a user network within a network-based commerce platform. For example, the method includes identifying a target group including at least one other user of the network-based commerce system based on at least one group association rule, the at least one group association rule being selected by a first user, communicating transaction information to the identified target group, and facilitating the transaction between at least one target user of the identified target group and the first user, wherein the first user and the identified target group have an existing relationship.

Abstract translation: 一种在基于网络的商业平台内利用用户网络的方法和系统。 例如，该方法包括基于至少一个组关联规则来识别包括基于网络的商务系统的至少一个其他用户的目标组，所述至少一个组关联规则由第一用户选择，将交易信息传送到 所识别的目标组，并且促进所识别的目标组的至少一个目标用户与第一用户之间的交易，其中第一用户和所识别的目标组具有现有关系。