公开(公告)号：US20130124408A1

公开(公告)日：2013-05-16

申请号：US13620927

申请日：2012-09-15

申请人： Benjamin Quigley ,  Robert Sandler ,  Fletcher Jones ,  Rajesh Mahajan ,  Prakash Muppirala ,  David Lowe ,  Laura Price ,  Seth Goldstein ,  Venkatesh Subramanya ,  Jai Rawat

发明人： Benjamin Quigley ,  Robert Sandler ,  Fletcher Jones ,  Rajesh Mahajan ,  Prakash Muppirala ,  David Lowe ,  Laura Price ,  Seth Goldstein ,  Venkatesh Subramanya ,  Jai Rawat

IPC分类号： G06Q10/10

CPC分类号： G06Q20/36 ,  G06Q20/105 ,  G06Q20/206 ,  G06Q20/363 ,  G06Q20/40 ,  G07F7/0866 ,  G07F7/1008 ,  G07F7/1025

摘要： A system and method for electronic wallet conversion allows conversion of a basic electronic wallet to a more flexible wallet account, providing additional services and requiring additional authentication. The basic accountholder eventually requires the additional services provided by the more flexible wallet, typically editing rights and making purchases at sites requiring authentication beyond the basic level. To convert the account, the account holder is presented with a one-time challenge and response mechanism that requires the accountholder to summon information that only the account holder would know. If a successful match is made, the account is converted to the more flexible account for all time. The accountholder replaces the one-time challenge and response with a second-level password that grants the accountholder ongoing access to more sensitive wallet features, such as the ability to purchase at sites requiring a second-level password, and editing rights to the information stored in the wallet.

摘要翻译： 用于电子钱包转换的系统和方法允许将基本电子钱包转换为更灵活的钱包帐户，提供附加服务并需要额外的认证。 基本的帐户持有人最终需要更灵活的钱包提供的附加服务，通常是修改权利，并在需要超出基本级别认证的站点进行购买。 要转换帐户，帐户持有人将获得一次性的挑战和响应机制，要求帐户持有人召集只有帐户持有人知道的信息。 如果成功匹配，该帐户将被转换为更灵活的账户。 帐户负责人用一个二级密码替代一次性的挑战和响应，该密码授权帐户持续访问更敏感的钱包功能，例如在需要二级密码的站点上购买的能力，以及编辑存储的信息的权限 在钱包里

公开(公告)号：US07346587B2

公开(公告)日：2008-03-18

申请号：US10313748

申请日：2002-12-06

申请人： Seth Goldstein ,  Rajesh Mahajan ,  Prakash Muppirala ,  Benjamin L. Quigley ,  Jai Rawat ,  Venkatesh Subramanya ,  Vincent Tran

发明人： Seth Goldstein ,  Rajesh Mahajan ,  Prakash Muppirala ,  Benjamin L. Quigley ,  Jai Rawat ,  Venkatesh Subramanya ,  Vincent Tran

IPC分类号： G06Q99/00

CPC分类号： G06Q30/06 ,  G06Q20/027 ,  G06Q20/04 ,  G06Q20/085 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/382

摘要： An intelligent method of e-commerce order completion automatically completes an order using either stored billing information, or information supplied at purchase if none is stored. User sends an order to a merchant. On receipt, user's authentication level is checked. If user is authenticated and billing information has been stored, it is retrieved and order completed without further user action. When none has been stored, flow redirects to a digital form for entering billing information, whereupon order is completed. In this case, after order completion, the user may save billing information to create a new digital wallet. To create the wallet, if the user isn't authenticated, or is insufficiently authenticated, they are first prompted to authenticate. Upon wallet creation, the user is fully authenticated and can complete purchases quickly without providing billing information with every purchase.

摘要翻译： 电子商务订单完成的智能方法使用存储的帐单信息或购买时提供的信息自动完成订单，如果没有存储。 用户向商家发送订单。 在收到时，会检查用户的身份验证级别。 如果用户被认证并且已经存储了计费信息，则它被检索并且订单完成而没有进一步的用户操作。 当没有一个存储时，流重定向到数字表单以输入计费信息，从而完成订单。 在这种情况下，订单完成后，用户可以节省计费信息以创建新的数字钱包。 要创建钱包，如果用户未通过身份验证，或验证不足，则会首先提示您进行身份验证。 在创建钱包后，用户将被完全认证，并可以快速完成购买，而无需在每次购买时提供结算信息。

公开(公告)号：US20050086068A1

公开(公告)日：2005-04-21

申请号：US10690145

申请日：2003-10-20

申请人： Benjamin Quigley ,  Robert Sandler ,  Fletcher Jones ,  Rajesh Mahajan ,  Prakash Muppirala ,  David Lowe ,  Laura Price ,  Seth Goldstein ,  Venkatesh Subramanya ,  Jai Rawat

发明人： Benjamin Quigley ,  Robert Sandler ,  Fletcher Jones ,  Rajesh Mahajan ,  Prakash Muppirala ,  David Lowe ,  Laura Price ,  Seth Goldstein ,  Venkatesh Subramanya ,  Jai Rawat

IPC分类号： G07F7/08 ,  G07F7/10 ,  G06F17/60

CPC分类号： G06Q20/36 ,  G06Q20/105 ,  G06Q20/206 ,  G06Q20/363 ,  G06Q20/40 ,  G07F7/0866 ,  G07F7/1008 ,  G07F7/1025

摘要： A system and method for electronic wallet conversion allows conversion of a basic electronic wallet to a more flexible wallet account, providing additional services and requiring additional authentication. The basic accountholder eventually requires the additional services provided by the more flexible wallet, typically editing rights and making purchases at sites requiring authentication beyond the basic level. To convert the account, the account holder is presented with a one-time challenge and response mechanism that requires the accountholder to summon information that only the account holder would know. If a successful match is made, the account is converted to the more flexible account for all time. The accountholder replaces the one-time challenge and response with a second-level password that grants the accountholder ongoing access to more sensitive wallet features, such as the ability to purchase at sites requiring a second-level password, and editing rights to the information stored in the wallet.

摘要翻译： 用于电子钱包转换的系统和方法允许将基本电子钱包转换为更灵活的钱包帐户，提供附加服务并需要额外的认证。 基本的帐户持有人最终需要更灵活的钱包提供的附加服务，通常是修改权利，并在需要超出基本级别认证的站点进行购买。 要转换帐户，帐户持有人将获得一次性的挑战和响应机制，要求帐户持有人召集只有帐户持有人知道的信息。 如果成功匹配，该帐户将被转换为更灵活的账户。 帐户负责人用一个二级密码替代一次性的挑战和响应，该密码授权帐户持续访问更敏感的钱包功能，例如在需要二级密码的站点上购买的能力，以及编辑存储的信息的权限 在钱包里

公开(公告)号：US20130124407A1

公开(公告)日：2013-05-16

申请号：US13620922

申请日：2012-09-15

申请人： Benjamin Quigley ,  Robert Sandler ,  Fletcher Jones ,  Rajesh Mahajan ,  Prakash Muppirala ,  David Lowe ,  Laura Price ,  Seth Goldstein ,  Venkatesh Subramanya ,  Jai Rawat

发明人： Benjamin Quigley ,  Robert Sandler ,  Fletcher Jones ,  Rajesh Mahajan ,  Prakash Muppirala ,  David Lowe ,  Laura Price ,  Seth Goldstein ,  Venkatesh Subramanya ,  Jai Rawat

IPC分类号： G06Q20/36

CPC分类号： G06Q20/36 ,  G06Q20/105 ,  G06Q20/206 ,  G06Q20/363 ,  G06Q20/40 ,  G07F7/0866 ,  G07F7/1008 ,  G07F7/1025

摘要： A system and method for electronic wallet conversion allows conversion of a basic electronic wallet to a more flexible wallet account, providing additional services and requiring additional authentication. The basic accountholder eventually requires the additional services provided by the more flexible wallet, typically editing rights and making purchases at sites requiring authentication beyond the basic level. To convert the account, the account holder is presented with a one-time challenge and response mechanism that requires the accountholder to summon information that only the account holder would know. If a successful match is made, the account is converted to the more flexible account for all time. The accountholder replaces the one-time challenge and response with a second-level password that grants the accountholder ongoing access to more sensitive wallet features, such as the ability to purchase at sites requiring a second-level password, and editing rights to the information stored in the wallet.

公开(公告)号：US20100332336A9

公开(公告)日：2010-12-30

申请号：US10690145

申请日：2003-10-20

申请人： Benjamin Quigley ,  Robert Sandler ,  Fletcher Jones ,  Rajesh Mahajan ,  Prakash Muppirala ,  David Lowe ,  Laura Price ,  Seth Goldstein ,  Venkatesh Subramanya ,  Jai Rawat

发明人： Benjamin Quigley ,  Robert Sandler ,  Fletcher Jones ,  Rajesh Mahajan ,  Prakash Muppirala ,  David Lowe ,  Laura Price ,  Seth Goldstein ,  Venkatesh Subramanya ,  Jai Rawat

IPC分类号： G06F17/60

CPC分类号： G06Q20/36 ,  G06Q20/105 ,  G06Q20/206 ,  G06Q20/363 ,  G06Q20/40 ,  G07F7/0866 ,  G07F7/1008 ,  G07F7/1025

摘要： A system and method for electronic wallet conversion allows conversion of a basic electronic wallet to a more flexible wallet account, providing additional services and requiring additional authentication. The basic accountholder eventually requires the additional services provided by the more flexible wallet, typically editing rights and making purchases at sites requiring authentication beyond the basic level. To convert the account, the account holder is presented with a one-time challenge and response mechanism that requires the accountholder to summon information that only the account holder would know. If a successful match is made, the account is converted to the more flexible account for all time. The accountholder replaces the one-time challenge and response with a second-level password that grants the accountholder ongoing access to more sensitive wallet features, such as the ability to purchase at sites requiring a second-level password, and editing rights to the information stored in the wallet.

摘要翻译： 用于电子钱包转换的系统和方法允许将基本电子钱包转换为更灵活的钱包帐户，提供附加服务并需要额外的认证。 基本的帐户持有人最终需要更灵活的钱包提供的附加服务，通常是修改权利，并在需要超出基本级别认证的站点进行购买。 要转换帐户，帐户持有人将获得一次性的挑战和响应机制，要求帐户持有人召集只有帐户持有人知道的信息。 如果成功匹配，该帐户将被转换为更灵活的账户。 帐户负责人用一个二级密码替代一次性的挑战和响应，该密码授权帐户持续访问更敏感的钱包功能，例如在需要二级密码的站点上购买的能力，以及编辑存储的信息的权限 在钱包里

公开(公告)号：US08473355B2

公开(公告)日：2013-06-25

申请号：US10690145

申请日：2003-10-20

申请人： Benjamin Quigley ,  Robert Sandler ,  Fletcher Jones ,  Rajesh Mahajan ,  Prakash Muppirala ,  David Lowe ,  Laura Price ,  Seth Goldstein ,  Venkatesh Subramanya ,  Jai Rawat

发明人： Benjamin Quigley ,  Robert Sandler ,  Fletcher Jones ,  Rajesh Mahajan ,  Prakash Muppirala ,  David Lowe ,  Laura Price ,  Seth Goldstein ,  Venkatesh Subramanya ,  Jai Rawat

IPC分类号： G06Q30/00

CPC分类号： G06Q20/36 ,  G06Q20/105 ,  G06Q20/206 ,  G06Q20/363 ,  G06Q20/40 ,  G07F7/0866 ,  G07F7/1008 ,  G07F7/1025

摘要： A system and method for electronic wallet conversion allows conversion of a basic electronic wallet to a more flexible wallet account, providing additional services and requiring additional authentication. The basic accountholder eventually requires the additional services provided by the more flexible wallet, typically editing rights and making purchases at sites requiring authentication beyond the basic level. To convert the account, the account holder is presented with a one-time challenge and response mechanism that requires the accountholder to summon information that only the account holder would know. If a successful match is made, the account is converted to the more flexible account for all time. The accountholder replaces the one-time challenge and response with a second-level password that grants the accountholder ongoing access to more sensitive wallet features, such as the ability to purchase at sites requiring a second-level password, and editing rights to the information stored in the wallet.

摘要翻译： 用于电子钱包转换的系统和方法允许将基本电子钱包转换为更灵活的钱包帐户，提供附加服务并需要额外的认证。 基本的帐户持有人最终需要更灵活的钱包提供的附加服务，通常是修改权利，并在需要超出基本级别认证的站点进行购买。 要转换帐户，帐户持有人将获得一次性的挑战和响应机制，要求帐户持有人召集只有帐户持有人知道的信息。 如果成功匹配，该帐户将被转换为更灵活的账户。 帐户负责人用一个二级密码替代一次性的挑战和响应，该密码授权帐户持续访问更敏感的钱包功能，例如在需要二级密码的站点上购买的能力，以及编辑存储的信息的权限 在钱包里