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    Method of making secure electronic payments using communications devices and biometric data
    1.
    发明授权
    Method of making secure electronic payments using communications devices and biometric data 有权
    使用通信设备和生物特征数据进行安全电子支付的方法

    公开(公告)号：US09177314B2

    公开(公告)日：2015-11-03

    申请号：US11551005

    申请日：2006-10-19

    Applicant: Chijioke Chukwuemeka Uzo

    Inventor： Chijioke Chukwuemeka Uzo

    IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q40/00

    CPC classification number: G06Q20/305 ,  G06Q20/20 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q40/00

    Abstract: Methods and systems for carrying out financial transactions include creating unique aliases for payment instrument having associated identification numbers, associating the created aliases to the payment instruments and enabling consumer use of the aliases to carry out financial transactions. Various special point-of-sale devices may be employed to carry out the financial transactions.

    Abstract translation: 执行金融交易的方法和系统包括为具有相关联的识别号码的支付工具创建唯一的别名，将所创建的别名与支付工具相关联，并使消费者能够使用别名进行金融交易。 可以使用各种特殊销售点设备来执行金融交易。

    Method and apparatus for making secure electronic payments
    2.
    发明授权
    Method and apparatus for making secure electronic payments 失效
    用于进行安全电子支付的方法和装置

    公开(公告)号：US07734527B2

    公开(公告)日：2010-06-08

    申请号：US10270981

    申请日：2002-10-15

    Applicant: Chijioke Chukwuemeka Uzo

    Inventor： Chijioke Chukwuemeka Uzo

    IPC: G06Q20/00 ,  G06Q30/00

    CPC classification number: G06Q30/06 ,  G06Q20/06 ,  G06Q20/085 ,  G06Q20/0855 ,  G06Q20/29 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/3676 ,  G06Q20/3678 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/3829 ,  G06Q20/401 ,  G06Q40/04

    Abstract: In accordance with the present invention, a consumer communicates a request for purchase of goods and services to a merchant, the goods and/or services being selected from these listed together with their price quotes on the merchant's computer or website connected to a network, such as the Internet. The merchant then communicates a request for a token and an update key to the clearing server, the token being previously purchased by the consumer and residing on a clearing server device. The update key is used as an authorization to modify the value of the token, i.e., to decrement and to increment. The merchant forwards the purchased merchandise to the consumer. When consumer discontinues making purchases at the selected merchant, the merchant returns the updated token to the clearing server. A new key is necessary to make the next purchase. This is the case even where the requesting merchant is the same as that from whom the last purchase was made. When the token is requested, if the token was used after its initial purchase, the present value of the token is made certain by receipt on the clearing server of informational downloads from the merchants.

    Abstract translation: 根据本发明，消费者将商品和服务的购买请求传达给商家，从这些商品中选出的商品和/或服务以及连接到网络的商家的计算机或网站上的价格报价， 作为互联网。 然后，商家向清算服务器传送令牌和更新密钥的请求，令牌先前由消费者购买并驻留在清算服务器设备上。 更新密钥用作修改令牌的值的授权，即递减和递增。 商家将购买的商品转发给消费者。 当消费者停止在所选择的商家进行购买时，商家将更新的令牌返回到清算服务器。 一个新的关键是进行下一次购买是必要的。 即使请求商家与上次购买的商家相同也是如此。 当请求令牌时，如果令牌在其初次购买之后被使用，则令牌的当前值通过在清算服务器上收到来自商家的信息下载来确定。

    METHOD OF MAKING MOBILE PAYMENTS TO A RECIPIENT LACKING A WIRELESS OR CONTACTLESS TERMINAL
    3.
    发明申请
    METHOD OF MAKING MOBILE PAYMENTS TO A RECIPIENT LACKING A WIRELESS OR CONTACTLESS TERMINAL 审中-公开
    移动支付方式向收件人无线或无连接终端提供支付

    公开(公告)号：US20140052553A1

    公开(公告)日：2014-02-20

    申请号：US13864327

    申请日：2013-04-17

    Applicant: Chijioke Chukwuemeka Uzo

    Inventor： Chijioke Chukwuemeka Uzo

    IPC: G06Q20/20

    CPC classification number: G06Q20/204 ,  G06Q20/20 ,  G06Q20/322

    Abstract: The current invention provides a mobile payment method and a number of variations that enable a consumer to pay for a purchase from a merchant. Preferably the consumer may use a mobile device such as a smart phone to complete the transaction. With the current invention, the merchant may be capable of conducting the transaction using only an ordinary point of sale (OPOS) terminal, allowing the merchant and consumer to conduct business in a more convenient manner. The variations of the core method also significantly facilitate possible payment from the consumer to the merchant, enhancing the efficiency of the transactions.

    Abstract translation: 本发明提供一种移动支付方法和多种变化，使消费者能够从商家支付购买费用。 优选地，消费者可以使用诸如智能电话的移动设备来完成交易。 利用本发明，商家可能只能使用普通销售点（OPOS）终端进行交易，从而允许商家和消费者以更方便的方式开展业务。 核心方法的变化也显着促进了从消费者到商家的可能付款，从而提高了交易的效率。

    Method and apparatus for making secure electronic payments
    5.
    发明授权
    Method and apparatus for making secure electronic payments 失效
    用于进行安全电子支付的方法和装置

    公开(公告)号：US06938019B1

    公开(公告)日：2005-08-30

    申请号：US09650293

    申请日：2000-08-29

    Applicant: Chijioke Chukwuemeka Uzo

    Inventor： Chijioke Chukwuemeka Uzo

    IPC: G06Q20/06 ,  G06Q20/08 ,  G06Q20/22 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/06 ,  G06F17/60 ,  G09C3/00

    CPC classification number: G06Q30/06 ,  G06Q20/06 ,  G06Q20/085 ,  G06Q20/0855 ,  G06Q20/29 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/3676 ,  G06Q20/3678 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/3829 ,  G06Q20/401 ,  G06Q40/04

    Abstract: In accordance with the present invention, consumers and merchants use computing devices connected to a network, such as the Internet, through wired and wireless means, wherein the consumer connects to a clearing server device to purchase or retrieve previously purchased token, the consumer then connects to the merchant's computer or website to attain price quotes of goods and services, selects the goods and/or services to be purchased, and then communicates a request for purchase to the merchant. The merchant then communicates a request for an update key to the clearing server. The update key is used as an authorization to modify the value of the token. To debit the customer the decrement key is requested and to credit the customer an increment key is asked for. An overwrite key is another type of update key. Together with the overwrite key a replacement token is provided to the merchant who in turn forwards the new token to the customer. As an aspect of the invention, if the token was not previously used, the clearing server simply issues the update key. If, however, it is determined that the token was used, the amount paid by the consumer to a previous merchant is determined the token adjusted and the overwrite key together with the new token is returned to the merchant. The merchant then forwards the purchased merchandise, the update key, and possibly a new token to the consumer.

    Abstract translation: 根据本发明，消费者和商家使用通过有线和无线方式连接到诸如因特网的网络的计算设备，其中消费者连接到清算服务器设备以购买或检索先前购买的令牌，然后消费者连接 向商家的计算机或网站提供商品和服务的报价，选择要购买的商品和/或服务，然后向商家传送购买请求。 然后，商家向清算服务器传送更新密钥的请求。 更新密钥用作修改令牌值的授权。 为了借记客户请求递减密钥，并向客户要求递增密钥。 覆盖密钥是另一种类型的更新密钥。 与重写密钥一起，替换令牌被提供给商家，商家又将新令牌转发给客户。 作为本发明的一个方面，如果令牌以前没有被使用，则清除服务器简单地发出更新密钥。 然而，如果确定使用令牌，则确定消费者对先前商家支付的金额，调整了令牌，并将覆盖密钥与新令牌一起返回给商家。 然后，商家将购买的商品，更新密钥以及可能的新令牌转发给消费者。

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