公开(公告)号：US20160140555A1

公开(公告)日：2016-05-19

申请号：US14541593

申请日：2014-11-14

Applicant: EBAY INC.

Inventor： German Scipioni

IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/38

CPC classification number: G06Q20/405 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/381

Abstract: A user traveling abroad may decide to make a purchase transaction from a merchant, or exchange cash to foreign currency, or withdraw foreign currency from a funding source of the user. A service provider server may determine exchange rates and transaction fees for different funding sources of the user and/or at different currency exchange locations. The service provider server may further suggest a particular funding source and/or a currency exchange location. The user may conveniently make an informed decision regarding which currency exchange location to go to and which funding source to use. After the trip, the user may have leftover foreign currency. The user may exchange the foreign currency for credit in a restricted account that can be used to make purchases but cannot be cashed out. The credit may be converted to domestic currency and may conveniently be used to make purchases.

Abstract translation: 出国旅游的用户可以决定从商家进行购买交易，或者兑换现金到外币，或者从用户的资金来源提取外币。 服务提供商服务器可以确定用户和/或不同货币兑换位置的不同资金来源的汇率和交易费用。 服务提供商服务器还可以建议特定的资金来源和/或货币兑换位置。 用户可以方便地做出关于哪个货币兑换位置以及哪个资金来源使用的知情决定。 旅行后，用户可能会有剩余的外币。 用户可以在可以用于购买但不能兑现的限制性帐户中兑换外币信用。 信用卡可以转换为本国货币，并可方便地用于购买。

公开(公告)号：US09015066B2

公开(公告)日：2015-04-21

申请号：US13713986

申请日：2012-12-13

Applicant: eBay Inc.

Inventor： German Scipioni ,  Loc Nguyen

IPC: G06Q20/00 ,  G06G1/12 ,  G06Q20/36

CPC classification number: G06Q20/36 ,  G06Q20/342 ,  G06Q20/3672 ,  G06Q20/387

Abstract: Methods and systems are provided for loading money from a gift card into a digital wallet. The transfer can be done at a point of sale (POS), such as during a purchase of the gift card. The digital wallet can be a digital wallet of a user who is purchasing the gift card. The money in the digital wallet can be used to purchase products from the same merchant or another merchant. The money can be transferred from the digital wallet to any other person or entity.

Abstract translation: 提供的方法和系统用于将钱从礼品卡装入数字钱包。 可以在销售点（POS）进行转帐，例如购买礼品卡时。 数字钱包可以是购买礼品卡的用户的数字钱包。 数字钱包中的钱可用于从同一商家或其他商家购买产品。 钱可以从数字钱包转移到任何其他人或实体。

公开(公告)号：US10484356B2

公开(公告)日：2019-11-19

申请号：US15626850

申请日：2017-06-19

Applicant: eBay Inc.

Inventor： German Scipioni ,  Avery Kadison ,  Naseem Hakim

IPC: G06F21/44 ,  H04L29/06 ,  G06F21/31

Abstract: A method to authenticate an application on a first computer system at a second computer system is disclosed. The first computer system receives an authentication bitmap from a second computer system identifying locations in an application. The first computer system extracts portions of the application based on the identified locations in the bitmap. A hashing algorithm is applied by the first computer system to the extracted portions producing a resultant hash. The resultant hash is transmitted to the second computer system for authentication of the application.

公开(公告)号：US20150206135A1

公开(公告)日：2015-07-23

申请号：US14671965

申请日：2015-03-27

Applicant: EBAY INC.

Inventor： German Scipioni ,  Loc Nguyen

IPC: G06Q20/36 ,  G06Q20/34

CPC classification number: G06Q20/36 ,  G06Q20/342 ,  G06Q20/3672 ,  G06Q20/387

Abstract: Methods and systems are provided for loading money from a gift card into a digital wallet. The transfer can be done at a point of sale (POS), such as during a purchase of the gift card. The digital wallet can be a digital wallet of a user who is purchasing the gift card. The money in the digital wallet can be used to purchase products from the same merchant or another merchant. The money can be transferred from the digital wallet to any other person or entity.

Abstract translation: 提供的方法和系统用于将钱从礼品卡装入数字钱包。 可以在销售点（POS）进行转帐，例如购买礼品卡时。 数字钱包可以是购买礼品卡的用户的数字钱包。 数字钱包中的钱可用于从同一商家或其他商家购买产品。 钱可以从数字钱包转移到任何其他人或实体。

公开(公告)号：US20140249978A1

公开(公告)日：2014-09-04

申请号：US14274819

申请日：2014-05-12

Applicant: eBay Inc.

Inventor： German Scipioni ,  Donald James Fotsch ,  Joseph Edward Black ,  Amy Poling ,  Alp Tiritogly

IPC: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/22 ,  G06Q20/227 ,  G06Q40/00 ,  G06Q40/12

Abstract: Example embodiments describe a method and a system to provide mobile payments on a secondary linked account. In example embodiments, a secondary account is linked to a primary account. One or more parameters from a primary account holder of the primary account is received that define limitations on access and use of funds in the secondary account by a secondary account holder. Based on the one or more parameters, a determination that the secondary account holder is allowed to make mobile payments is made. An identifier of a mobile device and a PIN from the secondary account holder is received to activate the mobile device to make the mobile payments in response to the determining that the secondary account holder is allowed to make the mobile payments.

Abstract translation: 示例性实施例描述了在辅助关联帐户上提供移动支付的方法和系统。 在示例实施例中，辅助帐户被链接到主帐户。 收到来自主帐户的主帐户持有人的一个或多个参数，其定义了由次级帐户持有者在次级帐户中访问和使用资金的限制。 基于一个或多个参数，确定允许辅助账户持有者进行移动支付。 接收来自辅助帐户持有者的移动设备的标识符和PIN，以响应于确定辅助帐户持有者进行移动支付来激活移动设备进行移动支付。

公开(公告)号：US20140165174A1

公开(公告)日：2014-06-12

申请号：US14180186

申请日：2014-02-13

Applicant: EBAY INC.

Inventor： German Scipioni ,  Avery Kadison ,  Naseem Hakim

IPC: H04L29/06

CPC classification number: H04L63/08 ,  G06F21/31 ,  G06F21/44 ,  G06F2221/031

Abstract: A method to authenticate a first computer system over a network to a second computer system is disclosed. A login user interface (UI) is presented to a user of the first computer system while disconnected from the second computer system. The login UI presents at least one input field to receive login input from the user and a security indicator that has been previously selected by the user and that is local to the first computer system. Login input is selectively received from the user based on a determination that the user recognizes the security indicator as having been previously selected by the user. A connection is established between the first computer system and the second computer system over the network. The received user input is transmitted using the established connection to the second computer system for authentication of the first computer system.

Abstract translation: 公开了一种通过网络向第二计算机系统认证第一计算机系统的方法。 在与第二计算机系统断开连接的同时，向第一计算机系统的用户呈现登录用户界面（UI）。 登录UI至少提供一个输入字段以从用户接收登录输入，以及先前由用户选择并且是第一计算机系统本地的安全指示符。 基于用户将安全指示符识别为先前已经被用户选择的确定，从用户选择性地接收登录输入。 通过网络在第一计算机系统和第二计算机系统之间建立连接。 所接收的用户输入使用建立的连接发送到第二计算机系统以用于第一计算机系统的认证。

公开(公告)号：US09501800B2

公开(公告)日：2016-11-22

申请号：US13860395

申请日：2013-04-10

Applicant: EBAY INC.

Inventor： Hugo Olliphant ,  Kristen Ondeck ,  German Scipioni ,  Jeremy Downs

IPC: G06F7/00 ,  G06Q10/00 ,  G06Q40/00 ,  G06Q20/10 ,  G06Q30/06

CPC classification number: G06Q20/102 ,  G06F17/30873 ,  G06Q20/0453 ,  G06Q20/10 ,  G06Q30/06 ,  G06Q40/02 ,  G06Q40/10 ,  G06Q40/12

Abstract: Methods and systems according to one or more embodiments are provided for storing online transaction records associated with user-merchant transactions. In an embodiment, a system comprises one or more processors. The system also comprises one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to: receive transaction information captured and passed from a client device in response to the client device determining that information or content provided by a merchant server comprises transaction information, wherein the transaction information is associated with a user-merchant transaction; and store the received transaction information in a searchable machine-readable transaction record associated with a user account.

Abstract translation: 根据一个或多个实施例的方法和系统被提供用于存储与用户 - 商家交易相关联的在线交易记录。 在一个实施例中，系统包括一个或多个处理器。 该系统还包括适于存储多个机器可读指令的一个或多个存储器，当多个机器可读指令被一个或多个处理器执行时，其适于使系统响应于客户端接收从客户端设备捕获和传递的交易信息 确定由商家服务器提供的信息或内容的设备包括交易信息，其中交易信息与用户 - 商家交易相关联; 并将所接收的交易信息存储在与用户帐户相关联的可搜索的机器可读事务记录中。

公开(公告)号：US20130018798A1

公开(公告)日：2013-01-17

申请号：US13622851

申请日：2012-09-19

Applicant: eBay, Inc.

Inventor： German Scipioni

IPC: G06Q20/40

CPC classification number: G06Q20/10 ,  G06Q20/102 ,  G06Q20/108

Abstract: In accordance with embodiments of the present disclosure, systems and methods for facilitating financial transactions over a network include communicating with a financial institution over the network, wherein the financial institution includes a first user account related to a user. The systems and methods include receiving a fund transfer request from the financial institution on behalf of the user and establishing a second user account related to the user based on user information passed with the fund transfer request. The systems and methods include processing the fund transfer request by linking the first user account to the second user account based on the user information passed with the fund transfer request, receiving funds from the financial institution associated with the first user account, and depositing the received funds in the second user account on behalf of the user.

Abstract translation: 根据本公开的实施例，用于促进通过网络进行金融交易的系统和方法包括通过网络与金融机构进行通信，其中金融机构包括与用户相关的第一用户账户。 系统和方法包括代表用户从金融机构接收资金转账请求，并根据用资金转账请求传递的用户信息建立与用户有关的第二用户帐户。 系统和方法包括：基于与资金转移请求一起传递的用户信息，从与第一用户账户相关联的金融机构接收资金，并将所接收到的资金转移请求 资金在第二个用户帐户中代表用户。

公开(公告)号：US11283786B2

公开(公告)日：2022-03-22

申请号：US16662694

申请日：2019-10-24

Applicant: eBay Inc.

Inventor： German Scipioni ,  Avery Kadison ,  Naseem Hakim

IPC: G06F21/44 ,  H04L29/06 ,  G06F21/31

Abstract: A method to authenticate a first computer system over a network to a second computer system is disclosed. A login user interface (UI) is presented to a user of the first computer system while disconnected from the second computer system. The login UI presents at least one input field to receive login input from the user and a security indicator that has been previously selected by the user and that is local to the first computer system. Login input is selectively received from the user based on a determination that the user recognizes the security indicator as having been previously selected by the user. A connection is established between the first computer system and the second computer system over the network. The received user input is transmitted using the established connection to the second computer system for authentication of the first computer system.

公开(公告)号：US20170289123A1

公开(公告)日：2017-10-05

申请号：US15626850

申请日：2017-06-19

Applicant: eBay Inc.

Inventor： German Scipioni ,  Avery Kadison ,  Naseem Hakim

IPC: H04L29/06 ,  G06F21/44 ,  G06F21/31

Abstract: A method to authenticate an application on a first computer system at a second computer system is disclosed. The first computer system receives an authentication bitmap from a second computer system identifying locations in an application. The first computer system extracts portions of the application based on the identified locations in the bitmap. A hashing algorithm is applied by the first computer system to the extracted portions producing a resultant hash. The resultant hash is transmitted to the second computer system for authentication of the application.