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公开(公告)号：US20130346299A1
公开(公告)日：2013-12-26
申请号：US13975013
申请日：2013-08-23
IPC分类号： G06Q20/32
CPC分类号： G06Q20/322 , G06Q20/3223 , G06Q20/325 , G06Q20/3276 , G06Q20/3278
摘要： A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider.
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公开(公告)号：US20070100770A1
公开(公告)日：2007-05-03
申请号：US10561699
申请日：2004-06-25
CPC分类号： G06Q20/40 , G06Q20/027 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/26 , G06Q20/382 , G06Q20/42 , G06Q30/04
摘要： The present invention relates to a system and method for facilitating on-line payment particularly for goods or services purchased via a merchant site on the Internet. The system enables payment from an existing customer account at a financial institution, but does not require the user to provide credit card details. The payment is implemented in real-time from the customer account to a merchant account via a financial institution application such as an Internet banking website. An interface is provided which is initiated via the merchant site and which then interfaces the customer computer to the financial application having access to the customer computer's account. The customer can then enter payment details directly with the financial institution to pay the merchant directly for the transaction.
摘要翻译： 本发明涉及一种用于促进在线支付的系统和方法，特别是用于通过因特网上的商家站点购买的商品或服务。 该系统可以从金融机构的现有客户账户进行支付，但不要求用户提供信用卡信息。 付款通过诸如网上银行网站的金融机构申请从客户帐户实时地实现到商家帐户。 提供了一个通过商家站点启动的接口，然后将客户计算机与具有访问客户计算机帐户的财务应用程序相连接。 然后，客户可以直接向金融机构输入付款明细，直接向商家支付交易。
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公开(公告)号：US20120215690A1
公开(公告)日：2012-08-23
申请号：US13358431
申请日：2012-01-25
CPC分类号： G06Q20/322 , G06Q20/3223 , G06Q20/325 , G06Q20/3276 , G06Q20/3278
摘要： A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider.
摘要翻译： 公开了一种通过移动设备和移动电信网络促进交易支付的方法和装置。 在一个实施例中，产品提供商被提供有诸如QRcode的代码，其包含或参考用于购买产品的支付细节。 应用程序的移动用户扫描代码并连接到他们的网络银行应用程序。 付款细节被转移到网上银行应用，移动用户确认交易应该继续进行。 付款是在没有向产品提供商提供任何安全细节的情况下进行的。
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公开(公告)号：US08825545B2
公开(公告)日：2014-09-02
申请号：US10561699
申请日：2004-06-25
CPC分类号： G06Q20/40 , G06Q20/027 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/26 , G06Q20/382 , G06Q20/42 , G06Q30/04
摘要： The present invention relates to a system and method for facilitating on-line payment particularly for goods or services purchased via a merchant site on the Internet.The system enables payment from an existing customer account at a financial institution, but does not require the user to provide credit card details. The payment is implemented in real-time from the customer account to a merchant account via a financial institution application such as an Internet banking website.An interface is provided which is initiated via the merchant site and which then interfaces the customer computer to the financial application having access to the customer computer's account. The customer can then enter payment details directly with the financial institution to pay the merchant directly for the transaction.
摘要翻译： 本发明涉及一种用于促进在线支付的系统和方法，特别是用于通过因特网上的商家站点购买的商品或服务。 该系统可以从金融机构的现有客户账户进行支付，但不要求用户提供信用卡信息。 付款通过诸如网上银行网站的金融机构申请从客户帐户实时地实现到商家帐户。 提供了一个通过商家站点启动的接口，然后将客户计算机与具有访问客户计算机帐户的财务应用程序相连接。 然后，客户可以直接向金融机构输入付款明细，直接向商家支付交易。
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公开(公告)号：US20130198514A1
公开(公告)日：2013-08-01
申请号：US13494893
申请日：2012-06-12
IPC分类号： H04L29/06
CPC分类号： G06F21/604 , G06F21/41 , G06F21/6236 , H04L9/08 , H04L29/06 , H04L63/0428 , H04L63/0435 , H04L63/0442 , H04L63/062 , H04L63/08 , H04L63/0823 , H04L63/10 , H04L67/14 , H04L69/329
摘要： The present invention relates to a system and method for facilitating access to secure network sites, such as sites providing secure financial information. An active software agent is utilized to fetch passwords and user identifiers from a user computing system and to use the passwords and identifiers to extract required information from the secure site. The password sites and identifiers are encrypted and an encryption key is stored at a network mode remote from the user's computer and is fetched in order to enable the passwords and identifiers to be decrypted so that the active agent can use them to obtain the required information.
摘要翻译： 本发明涉及一种便于访问安全网站的系统和方法，例如提供安全财务信息的站点。 使用活动的软件代理从用户计算系统获取密码和用户标识符，并使用密码和标识符从安全站点提取所需的信息。 密码站点和标识符被加密，并且加密密钥以远离用户计算机的网络模式存储，并且被提取以便使密码和标识符被解密，使得活动代理可以使用它们来获得所需的信息。
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公开(公告)号：US08788820B2
公开(公告)日：2014-07-22
申请号：US13494893
申请日：2012-06-12
IPC分类号： H04L9/32
CPC分类号： G06F21/604 , G06F21/41 , G06F21/6236 , H04L9/08 , H04L29/06 , H04L63/0428 , H04L63/0435 , H04L63/0442 , H04L63/062 , H04L63/08 , H04L63/0823 , H04L63/10 , H04L67/14 , H04L69/329
摘要： The present invention relates to a system and method for facilitating access to secure network sites, such as sites providing secure financial information. An active software agent is utilized to fetch passwords and user identifiers from a user computing system and to use the passwords and identifiers to extract required information from the secure site. The password sites and identifiers are encrypted and an encryption key is stored at a network mode remote from the user's computer and is fetched in order to enable the passwords and identifiers to be decrypted so that the active agent can use them to obtain the required information.
摘要翻译： 本发明涉及一种便于访问安全网站的系统和方法，例如提供安全财务信息的站点。 使用活动的软件代理从用户计算系统获取密码和用户标识符，并使用密码和标识符从安全站点提取所需的信息。 密码站点和标识符被加密，并且加密密钥以远离用户计算机的网络模式存储，并且被提取以便使密码和标识符被解密，使得活动代理可以使用它们来获得所需的信息。
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公开(公告)号：US08200966B2
公开(公告)日：2012-06-12
申请号：US10468186
申请日：2002-02-14
IPC分类号： H04L29/06
CPC分类号： G06F21/604 , G06F21/41 , G06F21/6236 , H04L9/08 , H04L29/06 , H04L63/0428 , H04L63/0435 , H04L63/0442 , H04L63/062 , H04L63/08 , H04L63/0823 , H04L63/10 , H04L67/14 , H04L69/329
摘要： The present invention relates to a system and method for facilitating access to secure network sites, such as sites providing secure financial information. An active software agent is utilized to fetch passwords and user identifiers from a user computing system and to use the passwords and identifiers to extract required information from the secure site. The password sites and identifiers are encrypted and an encryption key is stored at a network mode remote from the user's computer and is fetched in order to enable the passwords and identifiers to be decrypted so that the active agent can use them to obtain the required information.
摘要翻译： 本发明涉及一种便于访问安全网站的系统和方法，例如提供安全财务信息的站点。 使用活动的软件代理从用户计算系统获取密码和用户标识符，并使用密码和标识符从安全站点提取所需的信息。 密码站点和标识符被加密，并且加密密钥以远离用户计算机的网络模式存储，并且被提取以便使密码和标识符被解密，使得活动代理可以使用它们来获得所需的信息。
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公开(公告)号：US20080319902A1
公开(公告)日：2008-12-25
申请号：US12094177
申请日：2006-11-17
CPC分类号： H04L63/1441 , G06Q20/10 , G06Q20/108 , G06Q20/40 , G06Q20/403 , H04L63/1466
摘要： A method and apparatus for facilitating a secure transaction via a computer network. It is known for fraudsters to carry out “man-in-the-middle” attacks utilizing malicious software which diverts communications or corrupts communication between users and a financial institution computer, in order for the fraudster to modify the transaction. A secure object is generated which includes a security identifier and a transaction identifier. In an embodiment, the secure object is an image, and the secure identifier can not be detected by the man-in-the-middle computer. The transaction only proceeds when user enters the secure identifier.
摘要翻译： 一种用于促进经由计算机网络的安全交易的方法和装置。 欺诈者以恶意软件的方式进行“中间人”的攻击，这种恶意软件会将用户与金融机构的计算机之间的通信转移或破坏通信，以便欺诈者修改交易。 生成包括安全标识符和事务标识符的安全对象。 在一个实施例中，安全对象是图像，并且中间计算机无法检测到安全标识符。 当用户输入安全标识符时，交易才会进行。
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