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    DYNAMIC PIN PAD FOR CREDIT/DEBIT/OTHER ELECTRONIC TRANSACTIONS
    22.
    发明申请
    DYNAMIC PIN PAD FOR CREDIT/DEBIT/OTHER ELECTRONIC TRANSACTIONS 审中-公开
    用于信用/债务/其他电子交易的动态PIN码

    公开(公告)号：US20120323788A1

    公开(公告)日：2012-12-20

    申请号：US13529466

    申请日：2012-06-21

    申请人： Michael A. Keresman, III ,  Chandra Balasubramanian ,  Francis M. Sherwin

    发明人： Michael A. Keresman, III ,  Chandra Balasubramanian ,  Francis M. Sherwin

    IPC分类号： G06F21/00 ,  G06Q20/40 ,  G06F7/04

    CPC分类号： G07F19/201 ,  G06Q30/0641 ,  G07F7/10 ,  G07F7/1041

    摘要： A method for authenticating debit card transactions engaged in by a cardholder on a communications network includes: establishing a network connection with a client being used by the cardholder to engage in a transaction; providing to the client a web page containing a keypad (22) of buttons (24) that collectively define a geometry of the keypad (22), the keypad (22) being employed by the cardholder to enter a PIN via selection of the buttons (24) with a pointing device; obtaining the PIN enter by the cardholder; determining if the PIN is correct for a debit card being used by the cardholder; and for two transactions engaged in by the cardholder, changing a location of the keypad (22) on the web page, the geometry of the keypad (22), a size of the buttons (24) or a spacing between neighboring buttons (24).

    摘要翻译： 用于认证由通信网络上的持卡人参与的借记卡交易的方法包括：建立与持卡人正在使用的客户端进行交易的网络连接; 向客户提供包含共同定义键盘（22）的几何形状的按钮（24）的键盘（22）的网页，所述键盘（22）由持卡人通过选择按钮（PIN）来使用 24）与指示设备; 获取持卡人输入的PIN码; 确定持卡人使用的借记卡的PIN是否正确; 并且对于由持卡人参与的两个交易，改变网页上的键盘（22）的位置，键盘（22）的几何形状，按钮（24）的尺寸或相邻按钮（24）之间的间隔， 。

    Centralized identity authentication for electronic communication networks
    23.
    发明授权
    Centralized identity authentication for electronic communication networks 有权
    电子通信网络的集中身份认证

    公开(公告)号：US08321912B2

    公开(公告)日：2012-11-27

    申请号：US12870052

    申请日：2010-08-27

    申请人： Ravishankar S. Bhagavatula ,  Chandra S. Balasubramanian ,  Francis M. Sherwin ,  Michael A. Keresman, III ,  Jeffry J. Bowman

    发明人： Ravishankar S. Bhagavatula ,  Chandra S. Balasubramanian ,  Francis M. Sherwin ,  Michael A. Keresman, III ,  Jeffry J. Bowman

    IPC分类号： H04L9/32

    CPC分类号： G06Q20/4014 ,  G06F21/31 ,  G06F21/445 ,  G06Q30/06 ,  H04L63/08 ,  H04L63/083

    摘要： A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users.

    摘要翻译： 用于与通信网络结合使用的集中身份认证方法包括登记通信网络的用户，使得每个注册的用户的身份被唯一地定义和可确定，以及登记在通信网络上存在的多个供应商。 注册供应商选择性地与注册用户交易，其中交易包括：（i）向注册用户销售商品和/或服务的注册供应商; （ii）注册供应商授权注册用户访问由注册供应商维护的个人记录; 和/或（iii）注册供应商向注册用户通信由注册供应商维护的个人信息。 该方法还包括在注册供应商和注册用户之间的交易完成之前通过通信网络认证每个用户的身份。

    Secure on-line authentication system for processing prescription drug fulfillment
    25.
    发明授权
    Secure on-line authentication system for processing prescription drug fulfillment 有权
    安全的在线认证系统，用于处理处方药的执行

    公开(公告)号：US08099301B2

    公开(公告)日：2012-01-17

    申请号：US12952680

    申请日：2010-11-23

    申请人： Michael A. Keresman, III ,  Jeffry J. Bowman ,  Francis M. Sherwin ,  Chandra S. Balasubramanian ,  Ravishankar S. Bhagavatula

    发明人： Michael A. Keresman, III ,  Jeffry J. Bowman ,  Francis M. Sherwin ,  Chandra S. Balasubramanian ,  Ravishankar S. Bhagavatula

    IPC分类号： G06Q10/00

    CPC分类号： G06F21/6245 ,  G06F19/00 ,  G06Q50/22 ,  G06Q50/24

    摘要： A method of processing drug prescriptions via a communications network includes registering doctors, pharmacies and patients as participants such that each registered participant's identity is uniquely defined and determinable. Registered doctors from which prescriptions are received via the communications network have their identities authenticated. Each of the received prescriptions indicates a respective registered patient's identity for whom the prescription is intended. Registered patients from which orders are received via the communications network also have their identities authenticated. Each of the received orders indicates the prescription being ordered. The method also includes forwarding the orders to registered pharmacies via the communications network.

    摘要翻译： 通过通信网络处理药物处方的方法包括将医生，药房和患者登记为参与者，使得每个注册参与者的身份被唯一地定义和可确定。 通过通信网络接收处方的注册医生的身份认证。 每个接收到的处方表示相应的注册患者的身份，其处方是打算的。 通过通信网络接收订单的注册患者也具有认证身份。 每个接收到的订单都指示订购的处方。 该方法还包括经由通信网络将命令转发到注册药房。

    SECURE AND EFFICIENT PAYMENT PROCESSING SYSTEM
    26.
    发明申请
    SECURE AND EFFICIENT PAYMENT PROCESSING SYSTEM 有权
    安全有效的付款处理系统

    公开(公告)号：US20090119205A1

    公开(公告)日：2009-05-07

    申请号：US12251853

    申请日：2008-10-15

    申请人： Michael A. Keresman, III ,  Chandra S. Balasubramanian ,  Francis M. Sherwin

    发明人： Michael A. Keresman, III ,  Chandra S. Balasubramanian ,  Francis M. Sherwin

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q20/409 ,  G07F7/08

    摘要： A method is provided for carrying out commercial transactions. The method includes the steps of: establishing a transaction processing system on an electronic communications network; establishing an account within the transaction processing system for a corresponding account holder; obtaining from the account holder a session description of acceptable future commercial transactions related to the account; administering commercial transactions carried out via the transaction processing system; and, verifying that administered commercial transactions related to the account meet one or more of the session description.

    摘要翻译： 提供了进行商业交易的方法。 该方法包括以下步骤：在电子通信网络上建立交易处理系统; 在交易处理系统内为相应的账户持有人建立账户; 从账户持有人获得有关该账户的可接受的未来商业交易的会话描述; 管理通过交易处理系统进行的商业交易; 以及验证与帐户有关的管理的商业交易是否满足一个或多个会话描述。

    Universal payments dashboard
    28.
    发明授权
    Universal payments dashboard 有权

    公开(公告)号：US10163086B2

    公开(公告)日：2018-12-25

    申请号：US12430563

    申请日：2009-04-27

    申请人： Michael A. Keresman, III ,  Francis Sherwin ,  Chandra Balasubramanian

    发明人： Michael A. Keresman, III ,  Francis Sherwin ,  Chandra Balasubramanian

    IPC分类号： G06Q30/00 ,  G06Q20/12 ,  G06Q20/22 ,  G06Q30/06 ,  G07F19/00

    摘要： A universal payments dashboard system provides eCommerce merchants with an easy to integrate web page (inline frame) that displays all alternative payment button options that consumers can use on the merchant website(s) to pay for the purchase. Such merchants can display the dashboard on their shopping cart page(s) and on their checkout page(s) at the point where users select the payment option. The dashboard communicates with a payment dashboard provider to complete the payment for the transaction, including any consumer interaction such as entering checking account information, personal details, etc. Upon completing the payment for the order, the dashboard provides the merchant with the completed order information (e.g., a prepaid order) along with all the payment information. The dashboard supports all alternative payment options, payment transaction notifications to enable single cash register functionality and work in conjunction with alternative payment initiatives.

    DYNAMIC PIN PAD FOR CREDIT/DEBIT/OTHER ELECTRONIC TRANSACTIONS
    29.
    发明申请
    DYNAMIC PIN PAD FOR CREDIT/DEBIT/OTHER ELECTRONIC TRANSACTIONS 审中-公开

    公开(公告)号：US20170287289A1

    公开(公告)日：2017-10-05

    申请号：US15618889

    申请日：2017-06-09

    申请人： John R. Lazzaro ,  Michael A. Keresman, III ,  Chandra Balasubramanian ,  Francis M. Sherwin

    发明人： John R. Lazzaro ,  Michael A. Keresman, III ,  Chandra Balasubramanian ,  Francis M. Sherwin

    IPC分类号： G07F19/00 ,  G07F7/10 ,  G06Q30/06

    CPC分类号： G07F19/201 ,  G06Q30/0641 ,  G07F7/10 ,  G07F7/1041

    摘要： A method is provided for authenticating debit card transactions engaged in by a cardholder on a communications network. The method includes: a) establishing a connection over the network with a client being used by the cardholder to engage in a transaction on the network; b) providing over the connection to the client a web page containing a keypad (22) having a plurality of buttons (24) that collectively define a geometry of the keypad (22), the keypad (22) being employed by the cardholder to enter a PIN via selection of the buttons (24) with a pointing device of the client; c) obtaining over the connection the PIN enter by the cardholder; d) determining if the obtained PIN is correct for a debit card being used by the cardholder to engage in the transaction; e) repeating step a) through d) for each transaction the cardholder engages in on the network; and, f) with respect to two transactions engaged in by the cardholder, changing at least one of a location of the keypad (22) on the web page, the geometry of the keypad (22), a size of the buttons (24) and a spacing between neighboring buttons (24).

    Universal merchant application, registration and boarding platform
    30.
    发明授权
    Universal merchant application, registration and boarding platform 有权
    通用商户申请，注册登机平台

    公开(公告)号：US08799152B2

    公开(公告)日：2014-08-05

    申请号：US13082004

    申请日：2011-04-07

    申请人： Michael A. Keresman, III ,  Chandra Balasubramanian ,  Michael Roche ,  Scott Rauhe

    发明人： Michael A. Keresman, III ,  Chandra Balasubramanian ,  Michael Roche ,  Scott Rauhe

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/38 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q30/04 ,  G06Q30/0601

    摘要： A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said alternative payment brands including a different merchant application process. Further, the processors are programmed to receive merchant information from the merchant necessary to apply to the selected alternative payment brands and apply to each of the selected alternative payment brands using the merchant information in accordance with the merchant application process for the selected alternative payment brand.

    摘要翻译： 一种处理电子商务交易的系统。 该系统包括被编程为从商家接收一个或多个替代支付品牌的选择的一个或多个处理器。 每个所述替代支付品牌包括不同的商家申请流程。 此外，处理器被编程为接收来自商家的商家信息，以应用于所选择的替代支付品牌，并且根据所选择的替代支付品牌的商家申请流程，使用商家信息应用于所选择的替代支付品牌中的每一个。