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151 条记录 (耗时 0.064 秒)

    Systems and methods for non-traditional payment using biometric data
    91.
    发明授权
    Systems and methods for non-traditional payment using biometric data 有权
    使用生物识别数据进行非传统支付的系统和方法

    公开(公告)号：US08655789B2

    公开(公告)日：2014-02-18

    申请号：US12367414

    申请日：2009-02-06

    申请人： Fred Bishop ,  Peter D. Saunders

    发明人： Fred Bishop ,  Peter D. Saunders

    IPC分类号： G06Q20/00

    CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/327 ,  G06Q20/3572 ,  G06Q20/385 ,  G06Q20/4012 ,  G06Q20/4014

    摘要： Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor.

    摘要翻译： 公开了使用非传统设备的交易和生物特征数据激活交易设备。 在非传统设备处形成交易请求，并且传送给读取器，其中非传统设备可以被配置有RFID设备。 在执行生物特征语音分析以验证RFID装备的非传统设备的载体是存储在其上的帐户信息的真实拥有者之后，RFID设备是不可操作的。 非传统设备在用户和验证系统之间提供管道以执行用户的生物测定语音分析。 当验证系统确定用户是存储在验证系统中的一个或多个帐户的真实所有者时，在验证系统之间促进购买交易。 可以通过诸如与收单/发行商或支付处理器直接通信的蜂窝电话的非RF设备进一步执行交易。

    Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
    93.
    发明授权
    Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia 有权
    使用次级识别标记在RF交易设备上管理多个帐户的系统和方法

    公开(公告)号：US08423475B2

    公开(公告)日：2013-04-16

    申请号：US13181846

    申请日：2011-07-13

    申请人： Fred Bishop ,  Peter D. Saunders

    发明人： Fred Bishop ,  Peter D. Saunders

    IPC分类号： G06Q20/00

    CPC分类号： G07C9/00111 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/20 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/40 ,  G07C9/00119 ,  G07F7/1083

    摘要： Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other. The transaction device user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts. The transaction request may be processed in accordance with the user's allocations.

    摘要翻译： 系统和方法被配置为管理与事务设备相关联的数据集。 例如，提供了一种用于促进由不同数据集所有者提供的交易设备上的不同数据集的管理的方法，其中不同的数据集可以包括不同的格式。 该方法包括以下步骤：通过读/写将第一数据集加到金融交易设备中，其中第一数据集由第一所有者拥有; 通过所述读/写设备将第二数据集合加到所述金融交易设备，其中所述第二数据集由第二所有者拥有; 以及根据所有者定义的格式将所述第一数据集和所述第二数据集存储在所述金融交易装置上。 第一和第二数据集分别与第一和第二所有者相关联，并且被配置为彼此独立地存储。 可以允许交易设备用户使用辅助标识符标记来选择用于交易完成的多个数据集中的至少一个。 在用户选择多个帐户进行交易完成的情况下，可以允许用户将交易的部分分配给所选择的交易账户。 交易请求可以根据用户的分配进行处理。

    TRANSACTION TAX SETTLEMENT IN PERSONAL COMMUNICATION DEVICES
    94.
    发明申请
    TRANSACTION TAX SETTLEMENT IN PERSONAL COMMUNICATION DEVICES 审中-公开

    公开(公告)号：US20120246037A1

    公开(公告)日：2012-09-27

    申请号：US13491861

    申请日：2012-06-08

    申请人： Robert Wilmes ,  Fred Bishop

    发明人： Robert Wilmes ,  Fred Bishop

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/207 ,  G06Q30/0284 ,  G06Q40/123

    摘要： A transactional tax settlement system for use with a personal communication device is provided. The system has particular usefulness in determining a taxing authority and calculating a tax rate imposed by the taxing authority in a communication network environment. The system may be used to determine a tax authority and corresponding tax rate for a buyer/seller transaction over a network, e.g., the Internet. The system may also be used to determine a tax authority and corresponding tax rate in a mobile telecommunications network, e.g., a cellular phone. The system includes a tax information system for determining the taxing authorities and corresponding tax rates by evaluating factors pertaining to the transaction such as, location, tax status, and transaction description. In addition, the tax information system may validate a payment modality, collect taxes, and account for the transaction.

    SYSTEM AND METHOD FOR AUTOMATIC RECONCILIATION OF TRANSACTION ACCOUNT SPEND
    97.
    发明申请
    SYSTEM AND METHOD FOR AUTOMATIC RECONCILIATION OF TRANSACTION ACCOUNT SPEND 审中-公开
    自动重新设定交易账户费用的系统和方法

    公开(公告)号：US20120116933A1

    公开(公告)日：2012-05-10

    申请号：US13354220

    申请日：2012-01-19

    申请人： Bradley Owen Matthews ,  Fred Bishop

    发明人： Bradley Owen Matthews ,  Fred Bishop

    IPC分类号： G06Q10/00

    CPC分类号： G06Q20/385 ,  G06Q10/04 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/409 ,  G06Q30/0215 ,  G06Q30/0226 ,  G06Q30/04 ,  G06Q40/12

    摘要： A system and method for facilitating automatic reconciliation of transaction card transactions is disclosed, wherein a user may request single-use account codes via the Internet. The system comprises various hardware and software systems to enable a card member, program administrator, or any other designated third-party to request one or more single-use account codes. The requestor may further assign a descriptor for each of the one or more account codes. After receiving a requested account code, the requestor may communicate the account code to a merchant to facilitate a purchase transaction. The system retrieves a list of transactions from the card issuer at regular intervals, matches the account codes in the list to an account code and associated descriptor, and records the reconciled transaction within a database.

    摘要翻译： 公开了一种用于促进交易卡交易的自动对帐的系统和方法，其中用户可以经由因特网请求一次性使用的帐户代码。 该系统包括各种硬件和软件系统，以使卡成员，程序管理员或任何其他指定的第三方请求一个或多个一次性用户代码。 请求者还可以为一个或多个帐户代码中的每一个分配描述符。 在接收到所请求的帐号后，请求者可以向商家传送帐号以方便购买交易。 该系统定期从卡发行者检索事务的列表，将列表中的帐户代码与帐户代码和关联的描述符相匹配，并将已对帐的事务记录在数据库中。

    Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
    99.
    发明授权
    Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia 有权
    使用次级识别标记在RF交易设备上管理多个帐户的系统和方法

    公开(公告)号：US07996324B2

    公开(公告)日：2011-08-09

    申请号：US10711720

    申请日：2004-09-30

    申请人： Fred Bishop ,  Peter D. Saunders

    发明人： Fred Bishop ,  Peter D. Saunders

    IPC分类号： G06Q99/00

    CPC分类号： G07C9/00111 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/20 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/382 ,  G06Q20/40 ,  G07C9/00119 ,  G07F7/1083

    摘要： Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other The transaction device user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts. The transaction request may be processed in accordance with the user's allocations.

    摘要翻译： 系统和方法被配置为管理与事务设备相关联的数据集。 例如，提供了一种用于促进由不同数据集所有者提供的交易设备上的不同数据集的管理的方法，其中不同的数据集可以包括不同的格式。 该方法包括以下步骤：通过读/写将第一数据集加到金融交易设备中，其中第一数据集由第一所有者拥有; 通过所述读/写设备将第二数据集合加到所述金融交易设备，其中所述第二数据集由第二所有者拥有; 以及根据所有者定义的格式将所述第一数据集和所述第二数据集存储在所述金融交易装置上。 第一和第二数据集分别与第一和第二所有者相关联，并且被配置为彼此独立地存储。可以允许交易设备用户使用辅助标识符来选择用于事务完成的多个数据集中的至少一个 标记。 在用户选择多个帐户进行交易完成的情况下，可以允许用户将交易的部分分配给所选择的交易账户。 交易请求可以根据用户的分配进行处理。

    METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM
    100.
    发明申请
    METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM 审中-公开

    公开(公告)号：US20110184987A1

    公开(公告)日：2011-07-28

    申请号：US13080514

    申请日：2011-04-05

    申请人： Fred Bishop

    发明人： Fred Bishop

    IPC分类号： G06F17/30

    CPC分类号： G06Q10/00 ,  G06F21/31 ,  G06Q20/10 ,  G06Q40/02

    摘要： A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts.