公开(公告)号：US07431207B1

公开(公告)日：2008-10-07

申请号：US11031111

申请日：2005-01-05

申请人： Trey Neemann ,  Fred Bishop ,  Michael Barrett ,  David Armes

发明人： Trey Neemann ,  Fred Bishop ,  Michael Barrett ,  David Armes

IPC分类号： G06K5/00

CPC分类号： G06Q20/40 ,  G06Q20/10 ,  G06Q20/385 ,  G06Q30/0603

摘要： To process a commercial transaction, a merchant receives a card payment request from a customer. The merchant redirects the customer to the card issuer. The authorization computer of the card issuer communicates with the customer and authenticates the identity of the customer as the true cardholder of the card presented for payment. In a first embodiment, the merchant submits an authorization request in response to a card payment request to the authorization computer. The merchant receives an authorization confirmation from the authorization computer upon authentication of the identity of the cardholder. In a second embodiment, the customer receives an authorization confirmation from the authorization computer upon the authentication of the identity of the cardholder. The customer then submits the authorization confirmation to the merchant. The merchant, in turn, confirms the authorization confirmation with the authorization computer.

摘要翻译： 为了处理商业交易，商家从客户接收卡付款请求。 商家将客户重定向到发卡机构。 发卡机构的授权计算机与客户进行通信，并将客户的身份认证为提供付款卡的真实持卡人。 在第一实施例中，商家向授权计算机提交响应于卡支付请求的授权请求。 验证持卡人的身份后，商家将从授权计算机收到授权确认。 在第二实施例中，客户在认证持卡人的身份时从授权计算机接收授权确认。 客户然后向商家提交授权确认。 反过来，商家确认授权计算机的授权确认。

公开(公告)号：US07426492B1

公开(公告)日：2008-09-16

申请号：US09704379

申请日：2000-11-02

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

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

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：US07313538B2

公开(公告)日：2007-12-25

申请号：US10076337

申请日：2002-02-15

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.

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。

公开(公告)号：US20070052517A1

公开(公告)日：2007-03-08

申请号：US11552886

申请日：2006-10-25

申请人： Fred Bishop ,  Peter Saunders

发明人： Fred Bishop ,  Peter Saunders

IPC分类号： G05B19/00

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。 可以进一步通过诸如蜂窝电话的非RF设备进行交易，所述非RF设备与收单/发行商或支付处理器直接通信

公开(公告)号：US20060218391A1

公开(公告)日：2006-09-28

申请号：US11423340

申请日：2006-06-09

申请人： Elliott Glazer ,  Dirk White ,  David Armes ,  Fred Bishop ,  Michael Barrett

发明人： Elliott Glazer ,  Dirk White ,  David Armes ,  Fred Bishop ,  Michael Barrett

IPC分类号： H04L9/00

CPC分类号： H04L63/08 ,  G06F21/33 ,  G06F21/36 ,  G06F2221/2151 ,  H04L63/1441 ,  H04L63/1483 ,  H04L2463/121

摘要： The present invention provides for an icon with an additional level of functionality that allows a user to validate that current information (e.g., a web page) originates from the true owner of the icon and is not merely a copy. The method includes a user requesting a web page from a web site using a web browser. The web server receives the request, retrieves the web page and forwards it to an authentication server. The authentication server inserts an authenticity key into the web page, then the page (including the authenticity key) is returned to the user. If the page includes an authenticity key, the authenticity is verified at the user's computer because the user computer includes logic (e.g., software) to verify the authenticity. During the user configuration process, the user defines an authenticity stamp which determines the format of an authenticated page.

摘要翻译： 本发明提供具有附加级别的功能的图标，其允许用户验证当前信息（例如，网页）源自图标的真实所有者，并且不仅仅是副本。 该方法包括使用网络浏览器从网站请求网页的用户。 Web服务器接收请求，检索网页并将其转发给认证服务器。 认证服务器将真实性密钥插入到网页中，然后将页面（包括真实性密钥）返回给用户。 如果该页面包含真实性密钥，则在用户计算机上验证真实性，因为用户计算机包括验证真实性的逻辑（例如，软件）。 在用户配置过程中，用户定义确定认证页面的格式的真实性标记。

公开(公告)号：US20050149544A1

公开(公告)日：2005-07-07

申请号：US10711613

申请日：2004-09-28

申请人： Fred Bishop ,  Peter Saunders

发明人： Fred Bishop ,  Peter Saunders

IPC分类号： G06Q20/00 ,  G07C9/00 ,  G06F17/00

CPC分类号： G06Q30/04 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/14 ,  G06Q20/327 ,  G07C9/00111 ,  G07C9/00119 ,  Y10S707/95 ,  Y10S707/99954

摘要： An RF recurrent billing system in which an account number associated with a recurrent billing account is stored within an RF transaction device. The user of the RF transaction device may present the device for completing a transaction, and the transaction, if successfully completed, is billed to the user's recurrent billing account. The user is billed for the transaction during a billing cycle, typically occurring on a regular basis according to the recurrent billing account.

摘要翻译： RF周期性计费系统，其中与经常性计费帐户相关联的帐号存储在RF交易设备内。 RF交易设备的用户可以呈现用于完成交易的设备，并且如果成功完成，则该交易向用户的经常性帐单帐户计费。 用户在结算周期内为交易收费，通常根据经常性的结算帐户定期进行。

公开(公告)号：US09208484B2

公开(公告)日：2015-12-08

申请号：US13353072

申请日：2012-01-18

申请人： Fred Bishop ,  Eric James Eldridge ,  William S. Schwarz, Jr.

发明人： Fred Bishop ,  Eric James Eldridge ,  William S. Schwarz, Jr.

IPC分类号： G06Q40/00 ,  G06Q20/20 ,  G06Q20/10 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/06

CPC分类号： G06Q20/4016 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/405 ,  G06Q30/06

摘要： Systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) is disclosed. An RTV is a condensed version of a set of complex risk data and strategies usually found in central processing sites. After receiving a request for payment authorization, a risk value is calculated for the request. The distributed processing site compares the risk value to the RTV to determine whether to authorize payment. If the risk value is less than or equal to the RTV, the payment is authorized while a risk value greater than the RTV will not be authorized. The central site calculates a new RTV for the account and distributes the new RTV to the distributed processing site.

公开(公告)号：US09031880B2

公开(公告)日：2015-05-12

申请号：US11552886

申请日：2006-10-25

申请人： Fred Bishop ,  Peter D Saunders

发明人： Fred Bishop ,  Peter D Saunders

IPC分类号： G06Q20/00 ,  G06Q30/06 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40

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。

公开(公告)号：USRE45416E1

公开(公告)日：2015-03-17

申请号：US13524685

申请日：2012-06-15

申请人： Fred Bishop ,  Peter D. Saunders

发明人： Fred Bishop ,  Peter D. Saunders

IPC分类号： H04L9/32 ,  H04B1/00

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： A system and method for securing a Radio Frequency (RF) transaction using a RF identification device transaction device is provided. The invention uses the routing number and customer identifying information associated with a transaction account to secure a RF transaction. Specifically, the customer identifying information is included in an encrypted payload that is provided to a merchant point-of-sale device in a unused field of the RF data transmission. The routing number is provided in the ordinary field location of the data transmission typically reserved for the transaction account number. Additionally, the encrypted payload is provided in the unused field of the data transmission. The routing number is used to locate the corresponding encryption key for validating the RF transaction device, the transaction account and/or customer identifying information without the need for the reader to encrypt the customer identifying information before providing a transaction request to an account issuer.

摘要翻译： 提供了一种使用RF识别设备交易设备来确保射频（RF）交易的系统和方法。 本发明使用与交易账户相关联的路由号码和客户识别信息来确保RF交易。 具体地，客户识别信息被包括在提供给RF数据传输的未使用领域中的商户销售点设备的加密有效载荷中。 在通常为交易帐号保留的数据传输的普通字段位置提供了路由号码。 此外，加密的有效载荷被提供在数据传输的未使用的字段中。 路由号码用于定位用于验证RF交易设备，交易账户和/或客户识别信息的相应加密密钥，而不需要读者在向帐户发行者提供交易请求之前加密客户识别信息。

公开(公告)号：US08738532B2

公开(公告)日：2014-05-27

申请号：US13181883

申请日：2011-07-13

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

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

IPC分类号： G06Q30/02 ,  G06F15/16 ,  H04L29/06 ,  G06F17/30 ,  G06F7/04 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q30/06 ,  G06Q40/02

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 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。 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。