公开(公告)号：US09704353B2

公开(公告)日：2017-07-11

申请号：US13195408

申请日：2011-08-01

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 ,  G06Q30/06 ,  G07F7/10

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).

公开(公告)号：US20140222689A1

公开(公告)日：2014-08-07

申请号：US14215515

申请日：2014-03-17

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

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

IPC分类号： G06Q20/38

CPC分类号： G06Q20/3821 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/3674 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/0601 ,  G06Q40/00 ,  G06Q40/04

摘要： A method of processing commercial transactions carried out over the Internet (50) between account holders (30) and participating merchants (20) includes receiving a purchase request (352) of a buyer from a participating merchant (20) indicating that the buyer desires to carry out a transaction with the merchant (20). The transaction includes the buyer purchasing one or more selected items (340) from the merchant (20). The buyer is authenticated (310) as an account holder (30) and transaction fulfillment data (362) is established. The transaction fulfillment data (362) indicates a delivery destination for the selected items. In turn, the transaction fulfillment data (362) is communicated to the participating merchant (20), and transaction details (384) from the participating merchant (20) are received. The transaction details (384) include a cost for the selected items. Thereafter, completion of the transaction is authorized (390) and an authorization code (392) established therefor is communicated to the participating merchant (20).

摘要翻译： 在帐户持有人（30）和参与商户（20）之间处理通过因特网（50）进行的商业交易的方法包括从参与的商家（20）接收买方的购买请求（352），指示买方希望 与商家进行交易（20）。 交易包括买方从商家（20）购买一个或多个所选项目（340）。 买方被认证（310）作为账户持有人（30），并建立交易履行数据（362）。 交易履行数据（362）表示所选项目的发货目的地。 反过来，交易执行数据（362）被传送给参与商户（20），并且从参与商户（20）接收交易详情（384）。 交易详情（384）包括所选项目的费用。 此后，交易的完成被授权（390），并为其建立的授权代码（392）被传达给参与商家（20）。

公开(公告)号：US08676694B2

公开(公告)日：2014-03-18

申请号：US12795876

申请日：2010-06-08

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

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

IPC分类号： G06Q40/00

CPC分类号： G06Q20/3821 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/3674 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/0601 ,  G06Q40/00 ,  G06Q40/04

摘要： A method of processing commercial transactions carried out over the Internet (50) between account holders (30) and participating merchants (20) includes receiving a purchase request (352) of a buyer from a participating merchant (20) indicating that the buyer desires to carry out a transaction with the merchant (20). The transaction includes the buyer purchasing one or more selected items (340) from the merchant (20). The buyer is authenticated (310) as an account holder (30) and transaction fulfillment data (362) is established. The transaction fulfillment data (362) indicates a delivery destination for the selected items. In turn, the transaction fulfillment data (362) is communicated to the participating merchant (20), and transaction details (384) from the participating merchant (20) are received. The transaction details (384) include a cost for the selected items. Thereafter, completion of the transaction is authorized (390) and an authorization code (392) established therefor is communicated to the participating merchant (20).

摘要翻译： 在帐户持有人（30）和参与商户（20）之间处理通过因特网（50）进行的商业交易的方法包括从参与的商家（20）接收买方的购买请求（352），指示买方希望 与商家进行交易（20）。 交易包括买方从商家（20）购买一个或多个所选项目（340）。 买方被认证（310）作为账户持有人（30），并建立交易履行数据（362）。 交易履行数据（362）表示所选项目的发货目的地。 反过来，交易执行数据（362）被传送给参与商户（20），并且从参与商户（20）接收交易详情（384）。 交易详情（384）包括所选项目的费用。 此后，交易的完成被授权（390），并为其建立的授权代码（392）被传达给参与商家（20）。

公开(公告)号：US20140020075A1

公开(公告)日：2014-01-16

申请号：US14026299

申请日：2013-09-13

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

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

IPC分类号： G06F21/31

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.

公开(公告)号：US20110246324A1

公开(公告)日：2011-10-06

申请号：US13080119

申请日：2011-04-05

申请人： Michael A. Keresman, III ,  Paul Turgeon

发明人： Michael A. Keresman, III ,  Paul Turgeon

IPC分类号： G06Q30/00

CPC分类号： G06Q20/4012 ,  G06Q20/02 ,  G06Q20/0855 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/34 ,  G06Q20/383 ,  G06Q20/385 ,  G06Q30/0613

摘要： A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.

摘要翻译： 一种用于处理商家和消费者之间借方交易的系统。 该系统包括被编程为接收消费者的支付信息的一个或多个处理器，从消费者收集借记卡的认证数据，将对借方交易唯一的别名帐号发送给商家，接收包括别名帐户的信用授权消息 使用认证数据将信用授权消息转换为借记授权消息，并将付款授权消息发送给支付处理器。

公开(公告)号：US20110071847A1

公开(公告)日：2011-03-24

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： G06Q50/00

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。

公开(公告)号：US07051002B2

公开(公告)日：2006-05-23

申请号：US10459849

申请日：2003-06-12

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

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

IPC分类号： G06F17/60

CPC分类号： G06Q20/40 ,  G06Q20/02 ,  G06Q20/12

摘要： A method is provided for processing authentication of a consumer using one of a plurality of different types of payment instruments to conduct a commercial transaction over a communications network with a merchant. The payment instrument being used is either enrolled in or not enrolled in an authentication program conforming to one of a plurality of authentication protocols prescribed for the respective plurality of different types of payment instruments by payment networks supporting the same. The method includes: obtaining payment information for the transaction from the merchant, the payment information including a number identifying the particular payment instrument being used; determining the type of payment instrument being used from the payment information; obtaining an authentication determination for the transaction in accordance with the authentication protocols prescribed for the determined type of payment instrument being used; and, returning the obtained authentication determination to the merchant.

公开(公告)号：US10157375B2

公开(公告)日：2018-12-18

申请号：US12477483

申请日：2009-06-03

申请人： Chandra S. Balasubramanian ,  Michael A. Keresman, III ,  Eric Goodman ,  Adam Ratica ,  Scott Rauhe

发明人： Chandra S. Balasubramanian ,  Michael A. Keresman, III ,  Eric Goodman ,  Adam Ratica ,  Scott Rauhe

IPC分类号： G06Q20/12 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q20/00

摘要： A method of processing a transaction between a merchant and a buyer over a communication network is provided. The transaction is processed using one of a plurality of alternative payment options and each of the alternative payment options are provided by one of a plurality of alternative payment providers. Each of the alternative payment providers uses a different alternative payment implementation. The method includes: obtaining transaction information from the merchant; returning a redirection URL and an order identifier to the merchant; obtaining a transaction message from the merchant, where the transaction message specifies the type of operation; performing the operation type specified in the transaction message with the appropriate alternative payment provider; and returning a processing message to the merchant containing the results from performing the operation type specified in the transaction message.

公开(公告)号：US20140108250A1

公开(公告)日：2014-04-17

申请号：US14026209

申请日：2013-09-13

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

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

IPC分类号： G06Q20/40

CPC分类号： G06Q20/40 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/38 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q20/405

摘要： A method of processing of a transaction between a first and second party is provided. The method includes: receiving payment information at a server operatively connected to a communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate a plurality of different authentication protocols; determining which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol.

公开(公告)号：US08645266B2

公开(公告)日：2014-02-04

申请号：US12959809

申请日：2010-12-03

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

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

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q20/04 ,  G06Q20/12 ,  G06Q20/38 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q20/405

摘要： A method of processing of a transaction between a first and second party is provided. The first party accepts payment via a plurality of different payment options selectable by the second party, and the plurality of different payment options are associated with a plurality of different authentication protocols prescribed therefor. The method includes: receiving payment information over a communications network at a server operatively connected to the communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate the plurality of different authentication protocols; determining from the payment information received at the server which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting, in accordance with the determination, a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction in accordance with the selected authentication protocol, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol; and generating a one-time number to be sent back to the first party.

摘要翻译： 提供了处理第一方和第二方之间的交易的方法。 第一方通过由第二方可选择的多个不同的支付选项来接受支付，并且多个不同的支付选项与为此规定的多个不同的认证协议相关联。 该方法包括：通过通信网络在可操作地连接到通信网络的服务器处接收支付信息，支付信息识别第二方为交易使用的特定支付选项，并且服务器被配置为通过 通信网络以不同的方式适应多种不同的认证协议; 从在服务器处接收到的支付信息确定针对在支付信息中识别的支付方式的类型规定了不同的认证协议; 根据所述确定从所述服务器支持的所述多个不同认证协议中选择特定认证协议; 根据所选择的认证协议获得交易的认证确定，包括格式化消息，并根据所选认证协议的一个或多个任务在通信网络上路由格式化的消息; 并生成要发送回第一方的一次性号码。