公开(公告)号：US20110289001A1

公开(公告)日：2011-11-24

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： G06Q40/00

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。

公开(公告)号：US20110202565A1

公开(公告)日：2011-08-18

申请号：US13079666

申请日：2011-04-04

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.

公开(公告)号：US07996320B2

公开(公告)日：2011-08-09

申请号：US12332248

申请日：2008-12-10

申请人： Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

发明人： Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

IPC分类号： G06F21/00

CPC分类号： G06Q20/20 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/02

摘要： Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.

摘要翻译： 消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。 在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。 该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。 为了接收信息，PDA联系门户并建立连接，对网络进行身份验证，并允许用户通过网络完成安全交易或传输。

公开(公告)号：US20110184985A1

公开(公告)日：2011-07-28

申请号：US13080473

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.

公开(公告)号：US07962406B2

公开(公告)日：2011-06-14

申请号：US12242759

申请日：2008-09-30

申请人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

发明人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q30/0609 ,  G06Q40/025

摘要： A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.

摘要翻译： 披露了促进账户交易的金融账户发行人。 本发明向卖方提供从购买者接收资金的不可撤销的方法，并提高买方愿意与未知方交易的意愿。 本发明还包括利息支付的选择，不同的发行人的使用，不同的财务账户，预算转移，支出划分，成本分摊，调整信贷限额，贷款，赠送，促进交易的中介，交易跟踪，快速资金可用性 ，资金的机密转移，卖方立即开始装运，只有经过货物，服务或其他价值的批准，向卖方发放资金，证明付款证明和对远程卖方的追索权。

公开(公告)号：US20110137798A1

公开(公告)日：2011-06-09

申请号：US13020579

申请日：2011-02-03

申请人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

发明人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

IPC分类号： G06Q20/00

CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/40 ,  G06Q30/0613 ,  G06Q40/12

摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.

摘要翻译： 动态地启用和促进企业或其他实体查找和处理付款系统以处理付款的目的。 客户与物品（例如商品或服务）的供应商交互，选择要购买的商品，并向供应商提供付款标准。 供应商查询支付系统目录以查找交易的候选支付系统。 供应商然后直接与一个或多个支付系统进行交互，以部分或全部处理交易的付款。 或者，供应商与网关服务交互，网关服务查询支付系统目录以定位候选支付系统，然后与一个或多个支付系统进行交互以处理交易的支付。

公开(公告)号：US07904385B2

公开(公告)日：2011-03-08

申请号：US12242812

申请日：2008-09-30

申请人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

发明人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/025 ,  G06Q40/12

摘要： A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.

摘要翻译： 披露了促进账户交易的金融账户发行人。 本发明向卖方提供从购买者接收资金的不可撤销的方法，并提高买方愿意与未知方交易的意愿。 本发明还包括利息支付的选择，不同的发行人的使用，不同的财务账户，预算转移，支出划分，成本分摊，调整信贷限额，贷款，赠送，促进交易的中介，交易跟踪，快速资金可用性 ，资金的机密转移，卖方立即开始装运，只有经过货物，服务或其他价值的批准，向卖方发放资金，证明付款证明和对远程卖方的追索权。

公开(公告)号：US20100257205A1

公开(公告)日：2010-10-07

申请号：US12816296

申请日：2010-06-15

申请人： Michael Richard Barrett ,  David Armes ,  Fred Bishop ,  James Shelby ,  Elliott Glazer ,  Phillip W. Steitz ,  Stephen P. Gibbons

发明人： Michael Richard Barrett ,  David Armes ,  Fred Bishop ,  James Shelby ,  Elliott Glazer ,  Phillip W. Steitz ,  Stephen P. Gibbons

IPC分类号： G06F7/00 ,  G06F17/30 ,  G06F15/173 ,  G06F21/00

CPC分类号： G06F21/34 ,  G06Q40/00 ,  Y10S707/99931

摘要： An Enterprise Identity Management system includes a registration component, an ownership component, and an audit component. The registration component is configured to associate a user ID with specific accounts that are accessible via a computer system. The ownership component is configured to verify the ownership of the accounts. The audit component is configured to perform periodic checks to ensure the validity of the association between the user ID and the ownership of the accounts.

摘要翻译： 企业身份管理系统包括注册组件，所有权组件和审核组件。 注册组件被配置为将用户ID与可以经由计算机系统访问的特定帐户相关联。 所有权组件配置为验证帐户的所有权。 审计组件被配置为执行定期检查以确保用户ID和帐户所有权之间的关联的有效性。

公开(公告)号：US07707107B2

公开(公告)日：2010-04-27

申请号：US11695168

申请日：2007-04-02

申请人： Lucas Gebb ,  Joshua B McKay ,  Michael R Barrett ,  Lee A Wojciechowski ,  David Armes ,  Fred Bishop ,  Madhukar Madhineni ,  Vilayanur Parameswaran Krishnan

发明人： Lucas Gebb ,  Joshua B McKay ,  Michael R Barrett ,  Lee A Wojciechowski ,  David Armes ,  Fred Bishop ,  Madhukar Madhineni ,  Vilayanur Parameswaran Krishnan

IPC分类号： G06Q40/00

CPC分类号： G06Q30/06 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/403 ,  G06Q30/0601 ,  G06Q30/0633 ,  G06Q40/00 ,  G06Q40/025

摘要： The present invention provides a system and method for facilitating commercial transactions involving the exchange of monetary value for goods, services, or other value between remote individuals, as in the case of transactions between users of a distributed computer network such as the Internet. Remote individuals are provided with a convenient, cost-efficient, and secure means for engaging in commercial transactions with one another. The invention provides remote sellers with an irrevocable means of receiving funds from a remote purchaser; means for improving purchaser willingness to transact with an unknown party; transaction tracking; and rapid funds availability. The invention also provides remote purchasers with means for making a secure, confidential transfer of funds; means for immediate initiation of shipment by a seller; means for releasing funds to a seller only after approval of the goods, services, or other value; means for demonstrating proof of payment; and means for having some level of recourse against a remote seller.

摘要翻译： 本发明提供了一种用于促进商业交易的系统和方法，其涉及在远程个人之间的商品，服务或其他价值的货币价值交换，如在诸如因特网的分布式计算机网络的用户之间的交易的情况。 为远程个人提供方便，成本效益和安全的手段进行商业交易。 本发明为远程卖方提供从远程购买者接收资金的不可撤销的方式; 提高购买者与未知方交易意愿的手段; 交易追踪; 资金可用性快。 本发明还为远程购买者提供了进行安全，机密的资金转移的手段; 卖方立即开始装运的手段; 仅在批准货物，服务或其他价值后向卖方发放资金的手段; 用于证明付款证明的手段; 以及为远程卖方提供一定程度的追索的手段。

公开(公告)号：US20090271278A1

公开(公告)日：2009-10-29

申请号：US12479748

申请日：2009-06-05

申请人： Fred Bishop ,  Robert E. Morgan ,  Hitesh Seth

发明人： Fred Bishop ,  Robert E. Morgan ,  Hitesh Seth

IPC分类号： G06Q20/00 ,  G06K5/00

CPC分类号： G06Q20/04 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/403

摘要： Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.

摘要翻译： 公开了使用支付系统目录促进商业交易。 支付目录和/或无线销售点（POS）设备可以被配置为使用预定规则，多个数据项和/或条件来定位支付系统，并且将支付授权请求从远程位置发送到至少 一个支付系统，直接或通过支付系统目录和/或SSL网关。