公开(公告)号：USRE44502E1

公开(公告)日：2013-09-17

申请号：US12855603

申请日：2010-08-12

申请人： Brian Paul Boesch ,  Stephen David Crocker ,  Donald Eggleston Eastlake, III ,  Alden Sherburne Hart, Jr. ,  Andrew Jackson ,  Robert A. Lindenberg ,  Denise Marie Paredes

发明人： Brian Paul Boesch ,  Stephen David Crocker ,  Donald Eggleston Eastlake, III ,  Alden Sherburne Hart, Jr. ,  Andrew Jackson ,  Robert A. Lindenberg ,  Denise Marie Paredes

IPC分类号： G06Q30/06

CPC分类号： G06Q20/06 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/12 ,  G06Q20/381 ,  G06Q30/0637 ,  G06Q30/0641 ,  G06Q40/025 ,  G06Q40/04

摘要： A system and method for determining approval of a multi-currency transaction between a customer and a merchant over a network. The system includes a customer computer which is connected to a communication network, a merchant computer which is connected to the communication network, and a server connected to both the customer computer via the communication network and to the merchant computer via the communication network. The customer computer includes a first set of data which contains an amount the customer is willing to pay the merchant for a product in a first currency. The merchant computer includes a second set of data which contains a product price at which the merchant agrees to sell the product in a second currency. The server receives the first set of data and the second set of data. The server then converts the amount in the first currency into a converted amount in the second currency. The server approves the transaction if the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates. Once the transaction is approved, the approving entity may settle the transaction at its discretion thereby bearing the risk associated with currency exchange. The parties, however, incur no risk. The customer will pay the amount in the first currency and the merchant will receive the price in the second currency. These are values known and agreed to by the parties at the time of the transaction.

摘要翻译： 一种用于确定通过网络的客户和商家之间的多货币交易的批准的系统和方法。 该系统包括连接到通信网络的客户计算机，连接到通信网络的商家计算机，以及经由通信网络与客户计算机连接的服务器，以及经由通信网络与商用计算机连接的客户计算机。 客户计算机包括第一组数据，其包含客户愿意以第一货币为商品支付商品的金额。 商业计算机包括第二组数据，其包含商品同意以第二种货币销售商品的商品价格。 服务器接收第一组数据和第二组数据。 然后，服务器将第一货币中的金额转换为第二种货币的兑换金额。 如果第二种货币的转换金额符合当前汇率的第二种货币的产品价格的风险范围，服务器将批准该交易。 一旦交易获得批准，批准实体可以自行解决交易，从而承担与货币兑换相关的风险。 但是，各方不承担任何风险。 客户将以第一货币支付金额，商家将以第二种货币收取价格。 这些是当事人在交易时已知和同意的价值。

公开(公告)号：US5870473A

公开(公告)日：1999-02-09

申请号：US572425

申请日：1995-12-14

申请人： Brian Paul Boesch ,  Stephen David Crocker ,  Donald Eggleston Eastlake, III ,  Alden Sherburne Hart, Jr. ,  Robert A. Lindenberg ,  Denise Marie Paredes

发明人： Brian Paul Boesch ,  Stephen David Crocker ,  Donald Eggleston Eastlake, III ,  Alden Sherburne Hart, Jr. ,  Robert A. Lindenberg ,  Denise Marie Paredes

IPC分类号： G06F21/20 ,  B65G61/00 ,  G06F20060101 ,  G06F13/00 ,  G06Q20/00 ,  G09C1/00 ,  H04L20060101 ,  H04L9/08 ,  H04L29/06 ,  H04K1/00

CPC分类号： H04L63/12 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/06 ,  G06Q20/0855 ,  G06Q20/12 ,  G06Q20/3829 ,  G06Q20/4014 ,  H04L29/06 ,  H04L63/0428 ,  H04L63/0435 ,  H04L63/068 ,  H04L63/108 ,  H04L2463/102

摘要： A system and method relating to secure communications in a communication network is disclosed. The invention uses sessions having limited duration to enable parties to communicate securely in the communication network. The session of one party is independent from the session of another party. The sessions are linked at a server which confirms that the sessions are valid.In a preferred embodiment, the secure communications occur in an electronic transfer system. In the electronic transfer system, a customer and a merchant can conduct a transaction wherein the customer can purchase a product from the merchant and pay for the product using electronic funds.

摘要翻译： 公开了一种与通信网络中的安全通信相关的系统和方法。 本发明使用具有有限持续时间的会话以使各方能够在通信网络中安全地通信。 一党的会议独立于另一党的会议。 会话在确认会话有效的服务器上链接。 在优选实施例中，安全通信发生在电子传输系统中。 在电子转移系统中，客户和商家可以进行交易，其中客户可以从商家购买产品并使用电子资金支付商品。

公开(公告)号：USRE41619E1

公开(公告)日：2010-08-31

申请号：US10390540

申请日：2003-03-18

申请人： Brian Paul Boesch ,  Stephen David Crocker ,  Donald Eggleston Eastlake, III ,  Alden Sherburne Hart, Jr. ,  Andrew Jackson ,  Robert A. Lindenberg ,  Denise Marie Paredes

发明人： Brian Paul Boesch ,  Stephen David Crocker ,  Donald Eggleston Eastlake, III ,  Alden Sherburne Hart, Jr. ,  Andrew Jackson ,  Robert A. Lindenberg ,  Denise Marie Paredes

IPC分类号： G06Q40/00

CPC分类号： G06Q20/06 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/12 ,  G06Q20/381 ,  G06Q30/0637 ,  G06Q30/0641 ,  G06Q40/025 ,  G06Q40/04

摘要： A system and method for determining approval of a multi-currency transaction between a customer and a merchant over a network. The system includes a customer computer which is connected to a communication network, a merchant computer which is connected to the communication network, and a server connected to both the customer computer via the communication network and to the merchant computer via the communication network. The customer computer includes a first set of data which contains an amount the customer is willing to pay the merchant for a product in a first currency. The merchant computer includes a second set of data which contains a product price at which the merchant agrees to sell the product in a second currency. The server receives the first set of data and the second set of data. The server then converts the amount in the first currency into a converted amount in the second currency. The server approves the transaction if the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates. Once the transaction is approved, the approving entity may settle the transaction at its discretion thereby bearing the risk associated with currency exchange. The parties, however, incur no risk. The customer will pay the amount in the first currency and the merchant will receive the price in the second currency. These are values known and agreed to by the parties at the time of the transaction.

摘要翻译： 一种用于确定通过网络的客户和商家之间的多货币交易的批准的系统和方法。 该系统包括连接到通信网络的客户计算机，连接到通信网络的商家计算机，以及经由通信网络与客户计算机连接的服务器，以及经由通信网络与商用计算机连接的客户计算机。 客户计算机包括第一组数据，其包含客户愿意以第一货币为商品支付商品的金额。 商业计算机包括第二组数据，其包含商品同意以第二种货币销售商品的商品价格。 服务器接收第一组数据和第二组数据。 然后，服务器将第一货币中的金额转换为第二种货币的兑换金额。 如果第二种货币的转换金额符合当前汇率的第二种货币的产品价格的风险范围，服务器将批准该交易。 一旦交易获得批准，批准实体可以自行解决交易，从而承担与货币兑换相关的风险。 但是，各方不承担任何风险。 客户将以第一货币支付金额，商家将以第二种货币收取价格。 这些是当事人在交易时已知和同意的价值。

公开(公告)号：US5897621A

公开(公告)日：1999-04-27

申请号：US663896

申请日：1996-06-14

申请人： Brian Paul Boesch ,  Stephen David Crocker ,  Donald Eggleston Eastlake, III ,  Alden Sherburne Hart, Jr. ,  Andrew Jackson ,  Robert A. Lindenberg ,  Denise Marie Paredes

发明人： Brian Paul Boesch ,  Stephen David Crocker ,  Donald Eggleston Eastlake, III ,  Alden Sherburne Hart, Jr. ,  Andrew Jackson ,  Robert A. Lindenberg ,  Denise Marie Paredes

IPC分类号： G06Q20/02 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/38 ,  G06Q30/06 ,  G06F17/60 ,  G06F7/52

CPC分类号： G06Q20/06 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/12 ,  G06Q20/381 ,  G06Q30/0637 ,  G06Q30/0641 ,  G06Q40/025 ,  G06Q40/04

摘要： A system and method for determining approval of a multi-currency transaction between a customer and a merchant over a network. The system includes a customer computer which is connected to a communication network, a merchant computer which is connected to the communication network, and a server connected to both the customer computer via the communication network and to the merchant computer via the communication network. The customer computer includes a first set of data which contains an amount the customer is willing to pay the merchant for a product in a first currency. The merchant computer includes a second set of data which contains a product price at which the merchant agrees to sell the product in a second currency. The server receives the first set of data and the second set of data. The server then converts the amount in the first currency into a converted amount in the second currency. The server approves the transaction if the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates. Once the transaction is approved, the approving entity may settle the transaction at its discretion thereby bearing the risk associated with currency exchange. The parties, however, incur no risk. The customer will pay be amount in the first currency and the merchant will receive the price in the second currency. These are values known and agreed to by the parties at the time of the transaction.

摘要翻译： 一种用于确定通过网络的客户和商家之间的多货币交易的批准的系统和方法。 该系统包括连接到通信网络的客户计算机，连接到通信网络的商家计算机，以及经由通信网络与客户计算机连接的服务器，以及经由通信网络与商用计算机连接的客户计算机。 客户计算机包括第一组数据，其包含客户愿意以第一货币为商品支付商品的金额。 商业计算机包括第二组数据，其包含商品同意以第二种货币销售商品的商品价格。 服务器接收第一组数据和第二组数据。 然后，服务器将第一货币中的金额转换为第二种货币的兑换金额。 如果第二种货币的转换金额符合当前汇率的第二种货币的产品价格的风险范围，服务器将批准该交易。 一旦交易获得批准，批准实体可以自行解决交易，从而承担与货币兑换相关的风险。 但是，各方不承担任何风险。 客户将支付第一货币的金额，商家将收到第二种货币的价格。 这些是当事人在交易时已知和同意的价值。

公开(公告)号：US06205433B1

公开(公告)日：2001-03-20

申请号：US09213590

申请日：1998-12-17

申请人： Brian Paul Boesch ,  Stephen David Crocker ,  Donald Eggleston Eastlake, III ,  Alden Sherburne Hart, Jr. ,  Andrew Jackson ,  Robert A. Lindenberg ,  Denise Marie Paredes

发明人： Brian Paul Boesch ,  Stephen David Crocker ,  Donald Eggleston Eastlake, III ,  Alden Sherburne Hart, Jr. ,  Andrew Jackson ,  Robert A. Lindenberg ,  Denise Marie Paredes

IPC分类号： G06F1760

CPC分类号： G06Q20/06 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/1085 ,  G06Q20/12 ,  G06Q20/381 ,  G06Q30/0637 ,  G06Q30/0641 ,  G06Q40/025 ,  G06Q40/04

摘要： A system and method for determining approval of a multi-currency transaction between a customer and a merchant over a network. The system includes a customer computer which is connected to a communication network, a merchant computer which is connected to the communication network, and a server connected to both the customer computer via the communication network and to the merchant computer via the communication network. The customer computer includes a first set of data which contains an amount the customer is willing to pay the merchant for a product in a first currency. The merchant computer includes a second set of data which contains a product price at which the merchant agrees to sell the product in a second currency. The server receives the first set of data and the second set of data. The server then converts the amount in the first currency into a converted amount in the second currency. The server approves the transaction if the converted amount in the second currency is within a risk range of the product price in the second currency in accordance with current exchange rates. Once the transaction is approved, the approving entity may settle the transaction at its discretion thereby bearing the risk associated with currency exchange. The parties, however, incur no risk. The customer will pay the amount in the first currency and the merchant will receive the price in the second currency. These are values known and agreed to by the parties at the time of the transaction.

摘要翻译： 一种用于确定通过网络的客户和商家之间的多货币交易的批准的系统和方法。 该系统包括连接到通信网络的客户计算机，连接到通信网络的商家计算机，以及经由通信网络与客户计算机连接的服务器，以及经由通信网络与商用计算机连接的客户计算机。 客户计算机包括第一组数据，其包含客户愿意以第一货币为商品支付商品的金额。 商业计算机包括第二组数据，其包含商品同意以第二种货币销售商品的商品价格。 服务器接收第一组数据和第二组数据。 然后，服务器将第一货币中的金额转换为第二种货币的兑换金额。 如果第二种货币的转换金额符合当前汇率的第二种货币的产品价格的风险范围，服务器将批准该交易。 一旦交易获得批准，批准实体可以自行解决交易，从而承担与货币兑换相关的风险。 但是，各方不承担任何风险。 客户将以第一货币支付金额，商家将以第二种货币收取价格。 这些是当事人在交易时已知和同意的价值。