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151 条记录 (耗时 0.049 秒)

    System and method for facilitating interaction between consumer and merchant
    87.
    发明授权
    System and method for facilitating interaction between consumer and merchant 有权
    促进消费者和商人之间互动的系统和方法

    公开(公告)号：US07599857B2

    公开(公告)日：2009-10-06

    申请号：US10707309

    申请日：2003-12-04

    申请人： Fred Bishop ,  Elliott Glazer ,  Soleil Kathleen Dolce

    发明人： Fred Bishop ,  Elliott Glazer ,  Soleil Kathleen Dolce

    IPC分类号： G06Q30/00 ,  G07G1/00

    CPC分类号： H04N21/472 ,  G06Q30/0269 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q30/0613 ,  H04N7/17318 ,  H04N21/25875 ,  H04N21/47815 ,  H04N21/812

    摘要： An automated method and system is provided for facilitating interaction between a consumer and a merchant using a strong security framework. An offer describing a product and a predetermined means for acceptance is presented via a display. Once the offer has been presented, if the consumer accepts, the system performs various authentications, then facilitates receipt of the acceptance. The system then combines the acceptance data with identification and payment information, and transmits the relevant information to the merchant. Optionally, the system may customize the content or the presentation of the offer based on information about the targeted consumer.

    摘要翻译： 提供了一种自动化方法和系统，用于促进消费者和使用强安全框架的商家之间的交互。 通过显示器呈现描述产品和预定的接受装置的报价。 一旦提供了报价，如果消费者接受，则系统执行各种认证，然后便于接收。 然后系统将接受数据与识别和支付信息相结合，并将相关信息发送给商家。 可选地，系统可以基于关于目标消费者的信息来定制提供的内容或呈现。

    Single use user IDS
    88.
    发明授权
    Single use user IDS 有权
    单用户IDS

    公开(公告)号：US07539860B2

    公开(公告)日：2009-05-26

    申请号：US10804429

    申请日：2004-03-18

    申请人： Elliott Glazer ,  Fred Bishop ,  Jeff S. Fehlhaber

    发明人： Elliott Glazer ,  Fred Bishop ,  Jeff S. Fehlhaber

    IPC分类号： H04L9/00 ,  H04N7/16 ,  H04K1/00

    CPC分类号： G06F21/6245 ,  G06F21/335 ,  G06Q20/367

    摘要： An access verifier may act as an intermediary to allow users to receive single use user IDs while protecting their anonymity. The access verifier has some relationship with the user that allows the access verifier to know details regarding the user that might be helpful in determining whether the user is a potentially desirable customer. The user may request a user ID from the access verifier. The user may then pass the user ID to the access provider when the user wishes to gain access. Upon receiving the user ID, the access provider may request verification that the ID is valid from the access verifier. The access verifier may respond that the ID is valid (if appropriate), and also may include user information. The access provider is thereby provided with some level of assurance that the user is a potential customer without knowing confidential information.

    摘要翻译： 访问验证者可以充当中介，以允许用户在保护其匿名的同时接收单用户用户ID。 访问验证者与用户有一些关系，允许访问验证者知道有关用户的细节，这可能有助于确定用户是否是潜在的可能的客户。 用户可以从访问验证器请求用户ID。 然后，当用户希望获得访问权限时，用户可以将用户ID传递给接入提供商。 在接收到用户ID时，接入提供商可以从接入验证者请求验证该ID是有效的。 访问验证者可以响应该ID是有效的（如果适用），并且还可以包括用户信息。 因此，接入提供商被提供一定程度的保证，即用户是不知道机密信息的潜在客户。

    Systems and Methods for Facilitating Cost-Splitting Transactions
    89.
    发明申请
    Systems and Methods for Facilitating Cost-Splitting Transactions 审中-公开
    促成成本分摊交易的系统和方法

    公开(公告)号：US20090048885A1

    公开(公告)日：2009-02-19

    申请号：US12242822

    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： G06Q20/00 ,  G06Q40/00 ,  G06Q10/00

    CPC分类号： G06Q40/00 ,  G06Q10/0635 ,  G06Q20/102 ,  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。

    SYSTEMS AND METHODS FOR RISK TRIGGERING VALUES
    90.
    发明申请
    SYSTEMS AND METHODS FOR RISK TRIGGERING VALUES 有权
    风险触发值的系统和方法

    公开(公告)号：US20080275821A1

    公开(公告)日：2008-11-06

    申请号：US12164043

    申请日：2008-06-28

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

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

    IPC分类号： G06Q20/00 ,  H04L9/32

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

    摘要： The invention includes systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) stored within a distributed (e.g., local and/or regional) processing site. An RTV is a condensed version of a set of complex risk data and strategies usually found in central processing sites. The distributed site, 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. After one or more authorizations, the distributed processing site forwards the information from the transaction(s) to the central site, wherein the central site calculates a new RTV for the account and distributes the new RTV to the distributed processing site.

    摘要翻译： 本发明包括利用存储在分布式（例如，本地和/或区域）处理站点内的至少一个风险触发值（RTV）促进销售点交易的风险评估的系统和方法。 RTV是通常在中央处理站点中发现的一组复杂风险数据和策略的精简版本。 分发站点在收到付款授权请求后，会根据请求计算风险值。 分布式处理站点将风险值与RTV进行比较，以确定是否授权付款。 如果风险值小于或等于RTV，则授权付款，而不会授予大于RTV的风险值。 在一个或多个授权之后，分布式处理站点将交易中的信息转发到中心站点，其中中心站点为该帐户计算新的RTV，并将新的RTV分发到分布式处理站点。