SYSTEM AND METHOD FOR ELECTRONIC PAYMENTS USING TRANSACTION IDENTIFIER CODES AND GROUP IDENTIFICATION CODES

    公开(公告)号:US20240232888A1

    公开(公告)日:2024-07-11

    申请号:US18617142

    申请日:2024-03-26

    Applicant: Millind Mittal

    Inventor: Millind Mittal

    CPC classification number: G06Q20/4015 G06Q20/325

    Abstract: Systems and methods for making payments are described. The method includes transmitting with a first telecommunications device a request for a transaction identification (TID), a payment amount for a financial transaction, and first geographical location data to a payment server. The payment server generating and transmitting the TID to the first telecommunications device. The first telecommunications device communicating the received TID to a second telecommunications device, and the second telecommunications device transmitting the received TID and second geographical location data to the payment server. The payment server comparing the received TID to the generated TID and the first to the second geographical location data, and in response to a match, transmitting back to the second telecommunications device a payment confirmation request. The second telecommunications device transmitting an authorization order to the payment server to release the payment amount to the first telecommunications device.

    METHOD AND APPARATUS FOR DATA CHANNEL AUGMENTED VOICE TELEPHONY SYSTEMS

    公开(公告)号:US20200153961A1

    公开(公告)日:2020-05-14

    申请号:US16740377

    申请日:2020-01-10

    Applicant: Millind Mittal

    Inventor: Millind Mittal

    Abstract: A computerized method of terminating audio telephone calls that provides the other party with more information as to why the telephone call was terminated. This method, which is particularly useful for computerized smartphones equipped with voice and data channel communications methods, automatically provides the user with a variety of different informative text messages that can be selected by the user and sent to the other party at the time that a voice call is terminated.

    SYSTEM AND METHOD OF ELECTRONIC PAYMENT USING PAYEE PROVIDED TRANSACTION IDENTIFICATION CODES

    公开(公告)号:US20190139035A1

    公开(公告)日:2019-05-09

    申请号:US16240300

    申请日:2019-01-04

    Applicant: Millind Mittal

    Inventor: Millind Mittal

    Abstract: Computerized payment method using short, temporary, transaction ID (TID) symbols. Payees (merchants) register their unique ID telecommunications devices (e.g. Smartphone and phone number), and financial institution with a payment server. When a payee initiates a financial transaction by requesting a TID from the server for that amount. The server sends a TID to the payee, which the payee then communicates to the payer (customer). The payer turn relays this TID to the server, which validates the transaction using the payer device. The server then releases funds to the payee. The server can preserve audit records, but security is enhanced because the merchant never directly accesses the customer's financial account. GPS coordinates and/or payer provided Group IDs may also be used to reduce the number of symbols used in the TID. For use case convenience, phone numbers may be used as a type of globally unique Group identification (GroupID).

    Multi-level compressed look-up tables formed by logical operations to compress selected index bits
    100.
    发明授权
    Multi-level compressed look-up tables formed by logical operations to compress selected index bits 有权
    通过逻辑运算形成的多级压缩查找表来压缩选定的索引位

    公开(公告)号:US08356020B2

    公开(公告)日:2013-01-15

    申请号:US12190692

    申请日:2008-08-13

    Applicant: Millind Mittal

    Inventor: Millind Mittal

    CPC classification number: G06F17/30961 Y10S707/99942 Y10S707/99943

    Abstract: A lookup is performed using multiple levels of compressed stride tables in a multi-bit Trie structure. An input lookup key is divided into several strides including a current stride of S bits. A valid entry in a current stride table is located by compressing the S bits to form a compressed index of D bits into the current stride table. A compression function logically combines the S bits to generate the D compressed index bits. An entry in a prior-level table points to the current stride table and has a field indicating which compression function and mask to use. Compression functions can include XOR, shifts, rotates, and multi-bit averaging. Rather than store all 2S entries, the current stride table is compressed to store only 2D entries. Ideally, the number of valid entries in the current stride table is between 2D−1 and 2D for maximum compression. Storage requirements are reduced.

    Abstract translation: 在多位Trie结构中使用多级压缩步幅表进行查找。 输入查找键被分成包括S位的当前步幅的多个步骤。 通过压缩S位来形成当前步幅表中的有效条目,以形成D位的压缩索引到当前步幅表中。 压缩函数逻辑组合S位以产生D压缩索引位。 前一级表中的条目指向当前步幅表,并具有指示要使用的压缩函数和掩码的字段。 压缩功能可以包括XOR,移位,旋转和多位平均。 而不是存储所有2S条目,当前步幅表被压缩以仅存储2D条目。 理想情况下,当前步幅表中有效条目的数量在2D-1和2D之间用于最大压缩。 存储要求降低。

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