公开(公告)号：US07945516B2

公开(公告)日：2011-05-17

申请号：US11695911

申请日：2007-04-03

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

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

IPC分类号： G06F21/00

CPC分类号： G06F21/606 ,  B01J23/6562 ,  B01J23/8913 ,  B01J37/0205 ,  B01J37/0226 ,  G06F21/6245 ,  G06Q30/02 ,  G06Q30/0226 ,  H04L63/0464 ,  H04L63/0485 ,  H04L63/083

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 PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. 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。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 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，对网络进行认证，并允许用户通过网络完成安全交易或传输。

公开(公告)号：US07356694B2

公开(公告)日：2008-04-08

申请号：US10708543

申请日：2004-03-10

申请人： Mary Ann Mayo ,  Trey Neemann ,  Harry Pearson ,  Chandra C. Sekhar ,  Dan Toraason

发明人： Mary Ann Mayo ,  Trey Neemann ,  Harry Pearson ,  Chandra C. Sekhar ,  Dan Toraason

IPC分类号： G06F9/00

CPC分类号： H04L63/0815 ,  H04L63/0846

摘要： Sharing of data between one domain and at least one other domain over a network is facilitated by the use of tokens. A user token set in a cookie stored on the user's system at log-on to a first domain is used to create, or is associated with, a secure token passed by a first domain to a second domain when the user, in a session with the second domain, requests resources, access to which includes authorization by a first domain. The secure token facilitates various actions pertinent to a user in a session with said second domain, including, for example, the maintenance of an active, concurrent session between a user and a first domain, and authentication and authorization without log-on at a second domain or other domains.

摘要翻译： 通过使用令牌来促进通过网络在一个域和至少一个其他域之间共享数据。 当登录到第一域时，存储在用户系统上的cookie中的用户令牌用于创建或与第一域传递到第二域的安全令牌相关联，当用户在与 第二个域，请求资源，访问包括第一个域的授权。 安全令牌便于在与所述第二域的会话中与用户相关的各种动作，包括例如用户和第一域之间的活动并发会话的维护，以及在第二个域登录时的认证和授权 域或其他域。

公开(公告)号：US20070179895A1

公开(公告)日：2007-08-02

申请号：US11695911

申请日：2007-04-03

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

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

IPC分类号： G06Q99/00

CPC分类号： G06F21/606 ,  B01J23/6562 ,  B01J23/8913 ,  B01J37/0205 ,  B01J37/0226 ,  G06F21/6245 ,  G06Q30/02 ,  G06Q30/0226 ,  H04L63/0464 ,  H04L63/0485 ,  H04L63/083

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 PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. 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。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 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，对网络进行认证，并允许用户通过网络完成安全交易或传输。

公开(公告)号：US09152974B1

公开(公告)日：2015-10-06

申请号：US13221757

申请日：2011-08-30

申请人： Douglas A. Behm ,  Sudhakar W. Gopal ,  Trey Neemann ,  Pavan Pemmaraju ,  Mike Rice ,  Geoffrey R. Wright

发明人： Douglas A. Behm ,  Sudhakar W. Gopal ,  Trey Neemann ,  Pavan Pemmaraju ,  Mike Rice ,  Geoffrey R. Wright

IPC分类号： G06Q30/00 ,  G06Q30/02

CPC分类号： G06Q30/0228 ,  G06Q20/387 ,  G06Q20/407 ,  G06Q30/0233 ,  G06Q30/0274

摘要： The present disclosure includes a system, method, and article of manufacture for performing dispute resolution. The method may include retrieving an identifier that associates a funds request with a rewards currency request, crediting, based on the identifier, a transaction account based upon the funds request, and crediting, based on the identifier, a rewards account based upon the rewards currency request. The method may further comprise crediting the transaction account less a value associated with the rewards currency request and/or generating a first statement that shows a funds balance and a second statement that shows a rewards currency balance. A funds balance may be credited by an amount associated with the funds request, and a rewards currency balance may be credited by an amount associated with the rewards currency request.

摘要翻译： 本公开包括用于执行争议解决的系统，方法和制品。 该方法可以包括检索将资金请求与奖励货币请求相关联的标识符，基于标识符，基于资金请求计入交易账户，并且基于该标识符，根据该奖励币种计入奖励账户 请求。 该方法还可以包括将交易账户减去与奖励货币请求相关联的值和/或生成显示资金余额的第一语句和显示奖励货币余额的第二语句。 资金余额可以通过与资金请求相关联的金额抵扣，并且奖励货币余额可以通过与奖励货币请求相关联的金额来计入。

公开(公告)号：US07996320B2

公开(公告)日：2011-08-09

申请号：US12332248

申请日：2008-12-10

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

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

IPC分类号： G06F21/00

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 PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. 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。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 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。

公开(公告)号：US10248964B1

公开(公告)日：2019-04-02

申请号：US12847832

申请日：2010-07-30

申请人： Trey Neemann ,  Lee H. Gowen ,  Pavan K Pemmaraju ,  Claudia Asgeirsson ,  Yuval Efrati ,  Mary O'Connell

发明人： Trey Neemann ,  Lee H. Gowen ,  Pavan K Pemmaraju ,  Claudia Asgeirsson ,  Yuval Efrati ,  Mary O'Connell

IPC分类号： G06Q30/00 ,  G06Q30/02

摘要： A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.

公开(公告)号：US07584149B1

公开(公告)日：2009-09-01

申请号：US11276800

申请日：2006-03-15

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

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

IPC分类号： G06Q99/00 ,  G06Q30/00 ,  H04K1/00 ,  H04L9/00

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 PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. 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，消费者可以利用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。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 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。

公开(公告)号：US06991157B2

公开(公告)日：2006-01-31

申请号：US10710484

申请日：2004-07-14

申请人： Fred Bishop ,  Trey Neemann ,  David Armes

发明人： Fred Bishop ,  Trey Neemann ,  David Armes

IPC分类号： G06F17/60

CPC分类号： G07F7/08 ,  G06Q20/04 ,  G06Q20/108 ,  G06Q20/3676 ,  G06Q20/401 ,  G06Q30/06 ,  G06Q40/00 ,  G07F7/02 ,  G07F7/0833

摘要： A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored value account) is re-associated with, or re-defined as, a second transaction account (e.g., credit card account).

摘要翻译： 一种用于将第一交易账户设备转换为第二交易账户设备的方法和系统，其中与第一交易账户（例如，存储值账户）相关联或定义为与第一交易账户（例如，存储值账户）相关联的卡号或重新定义为 ，第二个交易账户（如信用卡账户）。

公开(公告)号：US20050086103A1

公开(公告)日：2005-04-21

申请号：US10688628

申请日：2003-10-17

申请人： Vivian Agura ,  Chris Munkacsy ,  Trey Neemann ,  Jena Francis

发明人： Vivian Agura ,  Chris Munkacsy ,  Trey Neemann ,  Jena Francis

IPC分类号： G06Q30/00 ,  G06F17/60

CPC分类号： G06Q30/02 ,  G06Q30/0222 ,  G06Q30/0233 ,  G06Q30/0601

摘要： A system and method for redeeming loyalty points for transactions that may include non-tangible and tangible items. The transactions are collected in an electronic shopping cart as the user browses various items. Once the user completes the collection of transactions, the user may proceed to checkout. Upon checkout, the system processes each transaction in the shopping cart and contacts third party partners and other entities as necessary to complete the transaction.

摘要翻译： 用于兑换可能包括非有形和有形物品的交易的忠诚点的系统和方法。 当用户浏览各种项目时，交易被收集在电子购物车中。 一旦用户完成交易的收集，用户可以进行结帐。 在结帐时，系统处理购物车中的每个交易，并根据需要与第三方合作伙伴和其他实体联系以完成交易。

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。