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    Method and system for restricting the usage of payment accounts
    1.
    发明授权
    Method and system for restricting the usage of payment accounts 有权
    限制付款账户使用的方法和系统

    公开(公告)号：US07337144B1

    公开(公告)日：2008-02-26

    申请号：US09675467

    申请日：2000-09-28

    申请人： Arnold N. Blinn ,  Joseph N. Coco

    发明人： Arnold N. Blinn ,  Joseph N. Coco

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/29 ,  G06Q20/3674 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/04

    摘要： A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.

    摘要翻译： 用户在电子钱包中维护的支付账户花费和/或收取资金的能力有限。 这些限制包括限制用户能够将资金用于支付帐户（例如，哪些商家可以花费资金，资金是否可以从ATM中取出等）。 这些限制还可能包括限制用户可以从哪些其他支付账户获得资金和/或转移资金，从而限制个人与个人的资金转移。

    Integrating payment accounts and an electronic wallet
    2.
    发明授权
    Integrating payment accounts and an electronic wallet 有权
    集成支付账户和电子钱包

    公开(公告)号：US07155411B1

    公开(公告)日：2006-12-26

    申请号：US09675466

    申请日：2000-09-28

    申请人： Arnold N. Blinn ,  Joseph N. Coco ,  Greg A. Marks

    发明人： Arnold N. Blinn ,  Joseph N. Coco ,  Greg A. Marks

    IPC分类号： G06F17/60

    CPC分类号： G06Q20/227 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q30/0234 ,  G06Q30/06 ,  G06Q40/02

    摘要： An electronic wallet including is made available to a user and is capable of storing a wide variety of different types of accounts (including both payment accounts and traditional credit card accounts). An identification of the different accounts corresponding to a user is displayed to the user and the user is allowed to manipulate these accounts. The electronic wallet also allows the user to combine funds from multiple different accounts into a single account. This combination allows the interface on a merchant server to be designed to accommodate a single account without concern for what types of accounts a user may wish to combine. Furthermore, in accordance with one aspect, when the user is purchasing goods and/or services from a merchant on-line, only those accounts that are useable at the merchant are presented as being available to the user.

    摘要翻译： 电子钱包包括可供用户使用，并且能够存储各种不同类型的账户（包括支付账户和传统信用卡帐户）。 向用户显示对应于用户的不同帐户的标识，并且允许用户操纵这些帐户。 电子钱包还允许用户将来自多个不同帐户的资金组合成一个帐户。 这种组合允许商家服务器上的接口被设计为容纳单个帐户，而不用担心用户可能希望组合的类型的帐户。 此外，根据一个方面，当用户在线购买商品和/或服务时，只有在商家可用的那些帐户被呈现给用户可用。

    Method and system for restricting the usage of payment accounts
    3.
    发明授权
    Method and system for restricting the usage of payment accounts 有权
    限制付款账户使用的方法和系统

    公开(公告)号：US07739194B2

    公开(公告)日：2010-06-15

    申请号：US11852837

    申请日：2007-09-10

    申请人： Arnold N. Blinn ,  Joseph N. Coco

    发明人： Arnold N. Blinn ,  Joseph N. Coco

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/29 ,  G06Q20/3674 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/04

    摘要： A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.

    摘要翻译： 用户在电子钱包中维护的支付账户花费和/或收取资金的能力有限。 这些限制包括限制用户能够将资金用于支付帐户（例如，哪些商家可以花费资金，资金是否可以从ATM中取出等）。 这些限制还可能包括限制用户可以从哪些其他支付账户获得资金和/或转移资金，从而限制个人与个人的资金转移。

    Method and System for Restricting the Usage of Payment Accounts
    4.
    发明申请
    Method and System for Restricting the Usage of Payment Accounts 有权
    限制支付账户使用的方法和制度

    公开(公告)号：US20080235135A1

    公开(公告)日：2008-09-25

    申请号：US12132921

    申请日：2008-06-04

    申请人： Arnold N. Blinn ,  Joseph N. Coco

    发明人： Arnold N. Blinn ,  Joseph N. Coco

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/12 ,  G06Q20/29 ,  G06Q20/3674 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/04

    摘要： A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be spent, whether the funds can be withdrawn from an ATM, etc.). These limitations may also include restrictions on what other payment accounts the user can receive funds from and/or transfer funds to, thereby limiting person-to-person fund transfers.

    摘要翻译： 用户在电子钱包中维护的支付账户花费和/或收取资金的能力有限。 这些限制包括限制用户能够将资金用于支付帐户（例如，哪些商家可以花费资金，资金是否可以从ATM中取出等）。 这些限制还可能包括限制用户可以从哪些其他支付账户获得资金和/或转移资金，从而限制个人与个人的资金转移。

    Multiple credentials in a distributed system
    6.
    发明授权
    Multiple credentials in a distributed system 有权
    分布式系统中的多个凭据

    公开(公告)号：US07676829B1

    公开(公告)日：2010-03-09

    申请号：US10020470

    申请日：2001-10-30

    申请人： Wei-Qiang Michael Gui ,  David Shutt ,  Joseph N. Coco

    发明人： Wei-Qiang Michael Gui ,  David Shutt ,  Joseph N. Coco

    IPC分类号： G06F7/04 ,  G06F15/16

    CPC分类号： H04L63/0815 ,  G06F21/31

    摘要： Systems and methods for associating multiple credentials with a single user account in a distributed authentication system. A user can be authenticated to a service by providing any one of the multiple credentials to the authentication system. Thus, a user can provide credentials that are more easily entered or supplied on a given device. All of the credentials are associated with a single user account. The credentials can be associated symmetrically, where the user account is independent of each credential, or asymmetrically, where the user account is stored with a primary credential and the other credentials are secondary credentials that reference the primary credential.

    摘要翻译： 将多个凭据与分布式身份验证系统中的单个用户帐户相关联的系统和方法。 可以通过向认证系统提供多个凭证中的任何一个来向用户验证用户。 因此，用户可以提供在给定设备上更容易地输入或提供的凭证。 所有凭据都与单个用户帐户关联。 证书可以对称地关联，其中用户帐户独立于每个凭证，或不对称地存储用户帐户与主凭证的位置，而其他凭证是引用主凭证的辅助凭证。