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151 条记录 (耗时 0.024 秒)

    Transactional tax settlement in personal communication devices
    31.
    发明授权
    Transactional tax settlement in personal communication devices 有权
    个人通讯设备交易税收清算

    公开(公告)号：US08214269B2

    公开(公告)日：2012-07-03

    申请号：US11828230

    申请日：2007-07-25

    申请人： Robert Wilmes ,  Fred Bishop

    发明人： Robert Wilmes ,  Fred Bishop

    IPC分类号： G06F17/22 ,  G07F19/00

    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.

    摘要翻译： 提供了一种用于个人通信设备的交易税收清算系统。 该制度在确定税务机关和计算税务机关在通信网络环境中征收的税率方面特别有用。 该系统可用于通过网络（例如因特网）来确定买方/卖方交易的税务机关和相应的税率。 该系统还可以用于在移动电信网络（例如，蜂窝电话）中确定税务机关和相应的税率。 该系统包括通过评估与交易相关的因素，如位置，税务状况和交易描述来确定税务机关和相应的税率的税务信息系统。 此外，税务信息系统可以验证支付方式，收取税款并交易交易。

    System and method for automatic reconciliation of transaction account spend
    37.
    发明授权
    System and method for automatic reconciliation of transaction account spend 有权
    用于自动对帐交易帐户支出的系统和方法

    公开(公告)号：US08121941B2

    公开(公告)日：2012-02-21

    申请号：US11611034

    申请日：2006-12-14

    申请人： Bradley Owen Matthews ,  Fred Bishop

    发明人： Bradley Owen Matthews ,  Fred Bishop

    IPC分类号： G06Q40/00

    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 requester 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。 在收到所请求的帐号后，请求者可以将帐号代码传送给商家以方便购买交易。 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。

    System and method for securing data through a PDA portal
    39.
    发明授权
    System and method for securing data through a PDA portal 有权
    通过PDA门户保护数据的系统和方法

    公开(公告)号：US07945516B2

    公开(公告)日：2011-05-17

    申请号：US11695911

    申请日：2007-04-03

    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： G06F21/606 ,  B01J23/6562 ,  B01J23/8913 ,  B01J37/0205 ,  B01J37/0226 ,  G06F21/6245 ,  G06Q30/02 ,  G06Q30/0226 ,  H04L63/0464 ,  H04L63/0485 ,  H04L63/083

    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，对网络进行认证，并允许用户通过网络完成安全交易或传输。

    System and method for selection of payment systems from a payment system directory to process a transaction
    40.
    发明授权
    System and method for selection of payment systems from a payment system directory to process a transaction 有权
    用于从支付系统目录中选择支付系统以处理交易的系统和方法

    公开(公告)号：US07908215B2

    公开(公告)日：2011-03-15

    申请号：US10728279

    申请日：2003-12-04

    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： G06Q40/00

    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。