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1.发明申请公开(公告)号：US20130179353A1
公开(公告)日：2013-07-11
申请号：US13347599
申请日：2012-01-10
CPC分类号： G06Q30/00 , G06Q20/3278 , G06Q20/425 , H04L9/0827 , H04L9/3215 , H04L63/0492 , H04L63/18 , H04L2209/80 , H04W12/003 , H04W12/02
摘要： During a financial technique, electronic devices may exchange, using a first communication technique, information with each other to establish a secure connection between the electronic devices when they are proximate to each other. After the secure connection is established, the electronic devices may hand off communication with each other from the first communication technique to a second communication technique that supports communication at a higher data rate and over longer distances than the first communication technique. Moreover, the electronic devices may communicate, using the second communication technique and the secure connection, additional information associated with the financial transaction with each other to facilitate completion of the financial transaction.
摘要翻译： 在金融技术期间，电子设备可以使用第一通信技术来彼此交换信息，以便当它们彼此接近时在电子设备之间建立安全连接。 在建立安全连接之后，电子设备可以将第一通信技术之间的通信切换到支持以比第一通信技术更高的数据速率和更长的距离进行通信的第二通信技术。 此外，电子设备可以使用第二通信技术和安全连接将与金融交易相关联的附加信息彼此通信，以便于完成金融交易。
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公开(公告)号：US20120290376A1
公开(公告)日：2012-11-15
申请号：US13103957
申请日：2011-05-09
申请人： Trevor D. Dryer , Eran Arbel , Alexander S. Ran , Ajay Tripathi , Douglas Lethin , Bennett R. Blank , Eugene Krivopaltsev
发明人： Trevor D. Dryer , Eran Arbel , Alexander S. Ran , Ajay Tripathi , Douglas Lethin , Bennett R. Blank , Eugene Krivopaltsev
IPC分类号： G06Q30/00
CPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/20 , G06Q20/3278 , G06Q20/36 , G06Q20/385 , G06Q20/425
摘要： Mobile payments and processing data related to electronic transactions. A near field communication connection is established between a mobile communication device of a consumer that serves as a mobile wallet and an electronic payment device of a merchant. Authorization data is shared between the mobile communication device and the electronic payment device without providing electronic payment instrument (e.g. credit card) data to the merchant. Authorization data is transmitted from the mobile communication device to a cloud computer or resource that serves as a cloud wallet and hosts respective data of respective electronic payment instruments of respective consumers, and from the electronic payment device a payment processor computer. The payment processor computer presents the authorization data to the cloud wallet, and in response, the cloud wallet transmits the credit card data to the payment processor computer, which processes the transaction.
摘要翻译： 移动支付和处理与电子交易有关的数据。 在用作移动钱包的消费者的移动通信设备和商家的电子支付设备之间建立近场通信连接。 在移动通信设备和电子支付设备之间共享授权数据，而不向商家提供电子支付工具（例如信用卡）数据。 授权数据从移动通信设备发送到云计算机或资源，用作云钱包，并托管各个消费者的各电子支付工具的相应数据，并从电子支付设备支付处理器计算机。 支付处理器计算机将授权数据呈现给云钱包，作为响应，云钱包将信用卡数据发送到处理该交易的支付处理器计算机。
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3.发明授权公开(公告)号：US08660867B2
公开(公告)日：2014-02-25
申请号：US13352129
申请日：2012-01-17
IPC分类号： G06Q10/00
CPC分类号： G06Q50/30
摘要： A user registers with an automated transportation use and billing system. The user's geographical location/position is monitored and periodically compared with the geographical location/position of one or more public transportation systems. When a determination is made that the user's geographical location/position is the same as the geographical location/position of a public transportation system, an assumption is made that the user is making use of the public transportation system and once the user's geographical location/position data differs from the public transportation system's geographical location/position data, it is further assumed that the user is no longer making use of the public transportation system. Data indicating the users assumed use of the public transportation system, calculated as described above, is then recorded and credited to the user's account.
摘要翻译： 用户注册自动运输使用和计费系统。 对用户的地理位置/位置进行监测，并定期与一个或多个公共交通系统的地理位置/位置进行比较。 当确定用户的地理位置/位置与公共交通系统的地理位置/位置相同时，假设用户正在利用公共交通系统，并且一旦用户的地理位置/位置 数据与公共交通系统的地理位置/位置数据不同，进一步假定用户不再使用公共交通系统。 然后记录表示用户假定使用如上所述计算的公共交通系统的数据并记入用户的账户。
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公开(公告)号：US20130185123A1
公开(公告)日：2013-07-18
申请号：US13352129
申请日：2012-01-17
IPC分类号： G06Q50/30
CPC分类号： G06Q50/30
摘要： A user registers with an automated transportation use and billing system. The user's geographical location/position is monitored and periodically compared with the geographical location/position of one or more public transportation systems. When a determination is made that the user's geographical location/position is the same as the geographical location/position of a public transportation system, an assumption is made that the user is making use of the public transportation system and once the user's geographical location/position data differs from the public transportation system's geographical location/position data, it is further assumed that the user is no longer making use of the public transportation system. Data indicating the users assumed use of the public transportation system, calculated as described above, is then recorded and credited to the user's account.
摘要翻译： 用户注册自动运输使用和计费系统。 对用户的地理位置/位置进行监测，并定期与一个或多个公共交通系统的地理位置/位置进行比较。 当确定用户的地理位置/位置与公共交通系统的地理位置/位置相同时，假设用户正在利用公共交通系统，并且一旦用户的地理位置/位置 数据与公共交通系统的地理位置/位置数据不同，进一步假定用户不再使用公共交通系统。 然后记录表示用户假定使用如上所述计算的公共交通系统的数据并记入用户的账户。
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公开(公告)号：US10949844B2
公开(公告)日：2021-03-16
申请号：US13103957
申请日：2011-05-09
申请人： Trevor D. Dryer , Eran Arbel , Alexander S. Ran , Ajay Tripathi , Douglas Lethin , Bennett R. Blank , Eugene Krivopaltsev
发明人： Trevor D. Dryer , Eran Arbel , Alexander S. Ran , Ajay Tripathi , Douglas Lethin , Bennett R. Blank , Eugene Krivopaltsev
摘要： Mobile payments and processing data related to electronic transactions. A near field communication connection is established between a mobile communication device of a consumer that serves as a mobile wallet and an electronic payment device of a merchant. Authorization data is shared between the mobile communication device and the electronic payment device without providing electronic payment instrument (e.g. credit card) data to the merchant. Authorization data is transmitted from the mobile communication device to a cloud computer or resource that serves as a cloud wallet and hosts respective data of respective electronic payment instruments of respective consumers, and from the electronic payment device a payment processor computer. The payment processor computer presents the authorization data to the cloud wallet, and in response, the cloud wallet transmits the credit card data to the payment processor computer, which processes the transaction.
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公开(公告)号：US20120110563A1
公开(公告)日：2012-05-03
申请号：US12913976
申请日：2010-10-28
IPC分类号： G06F9/44
CPC分类号： G06F8/65 , H04M1/72525
摘要： During an update technique, an update for the software application is received from a provider of the software application. Then, update information is either received from the provider or is generated. This update information specifies an update relationship between the update and at least a previous version of the software application. Next, inventory information associated with a portable electronic device is accessed (such as whether the previous version of the software application is currently installed on the portable electronic device). In response to the accessed inventory information, an identifier associated with the update is dynamically generated, and the update and the dynamically generated identifier are provided to the portable electronic device. Using the dynamically generated identifier, an application management system or the operating system installed on the portable electronic device determines whether an update workflow is executed.
摘要翻译： 在更新技术期间，从软件应用程序的提供者接收软件应用程序的更新。 然后，从提供者接收到更新信息，或者生成更新信息。 该更新信息指定更新与至少先前版本的软件应用之间的更新关系。 接下来，访问与便携式电子设备相关联的库存信息（诸如软件应用的先前版本是否当前安装在便携式电子设备上）。 响应于所访问的库存信息，动态地生成与更新相关联的标识符，并且将更新和动态生成的标识符提供给便携式电子设备。 使用动态生成的标识符，应用管理系统或安装在便携式电子设备上的操作系统确定是否执行更新工作流。
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公开(公告)号：US09256418B2
公开(公告)日：2016-02-09
申请号：US12913976
申请日：2010-10-28
CPC分类号： G06F8/65 , H04M1/72525
摘要： During an update technique, an update for the software application is received from a provider of the software application. Then, update information is either received from the provider or is generated. This update information specifies an update relationship between the update and at least a previous version of the software application. Next, inventory information associated with a portable electronic device is accessed (such as whether the previous version of the software application is currently installed on the portable electronic device). In response to the accessed inventory information, an identifier associated with the update is dynamically generated, and the update and the dynamically generated identifier are provided to the portable electronic device. Using the dynamically generated identifier, an application management system or the operating system installed on the portable electronic device determines whether an update workflow is executed.
摘要翻译： 在更新技术期间，从软件应用程序的提供者接收软件应用程序的更新。 然后，从提供者接收到更新信息，或者生成更新信息。 该更新信息指定更新与至少先前版本的软件应用之间的更新关系。 接下来，访问与便携式电子设备相关联的库存信息（诸如软件应用的先前版本是否当前安装在便携式电子设备上）。 响应于所访问的库存信息，动态地生成与更新相关联的标识符，并且将更新和动态生成的标识符提供给便携式电子设备。 使用动态生成的标识符，应用管理系统或安装在便携式电子设备上的操作系统确定是否执行更新工作流。
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公开(公告)号：US20120324559A1
公开(公告)日：2012-12-20
申请号：US13160353
申请日：2011-06-14
申请人： Alexander S. Ran , Ajay Tripathi
发明人： Alexander S. Ran , Ajay Tripathi
IPC分类号： G06F21/20
CPC分类号： G06F21/36
摘要： During a transaction, an electronic device (such as a cellular telephone) captures a gesture performed by a user of the electronic device. This gesture is analyzed to determine salient features, such as accelerations of the electronic device during the gesture and associated time intervals. Then, the electronic device generates a token based on the salient features, and provides the token to a server. When a second token, associated with the token, is received by the server from a second electronic device, the server establishes a secure connection between the electronic device and the second electronic device.
摘要翻译： 在交易期间，电子设备（例如蜂窝电话）捕获由电子设备的用户执行的手势。 分析该手势以确定突出特征，例如在手势和相关联的时间间隔期间电子装置的加速度。 然后，电子设备基于显着特征生成令牌，并将令牌提供给服务器。 当与令牌相关联的第二令牌由服务器从第二电子设备接收时，服务器在电子设备和第二电子设备之间建立安全连接。
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公开(公告)号：US20120110564A1
公开(公告)日：2012-05-03
申请号：US12913984
申请日：2010-10-28
IPC分类号： G06F9/44
CPC分类号： G06F8/65
摘要： During an update technique, an update to a software application is received from a provider of a software application. Then, update information is either received from the provider or is generated. This update information, which is other than an application identifier and a version number associated with the update, specifies an update relationship between the update and at least a previous version of the software application. Subsequently, configuration information (such as whether the previous version of the software application is currently installed on a portable electronic device) is received from the portable electronic device. In response to the received configuration information, the update is provided to the portable electronic device along with update information. Using the update information, an application management system or the operating system installed on the portable electronic device determines whether an update workflow is executed.
摘要翻译： 在更新技术期间，从软件应用的提供者接收对软件应用的更新。 然后，从提供者接收到更新信息，或者生成更新信息。 除了应用程序标识符和与更新相关联的版本号之外的该更新信息指定更新与至少先前版本的软件应用程序之间的更新关系。 随后，从便携式电子设备接收配置信息（诸如软件应用的先前版本当前是否安装在便携式电子设备上）。 响应于所接收的配置信息，将更新与更新信息一起提供给便携式电子设备。 使用更新信息，安装在便携式电子设备上的应用管理系统或操作系统确定是否执行更新工作流。
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公开(公告)号：US08909548B1
公开(公告)日：2014-12-09
申请号：US12771222
申请日：2010-04-30
申请人： Alexander S. Ran , Siddharth Ram
发明人： Alexander S. Ran , Siddharth Ram
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： A technique for providing information about financial transactions is described. This information technique allows a user, who has conducted financial transactions with one or more other parties, to access information about these financial transactions that is maintained by a provider of financial software, which is used by the one or more other parties to manage the information about the financial transactions. In particular, in this technique, in response to an access request from the user, a portal (such as a web page), which includes the information about the financial transactions between the user and the one or more other parties, is provided by the provider of the financial software to the user.
摘要翻译： 描述了一种提供有关金融交易信息的技术。 该信息技术允许与一个或多个其他方进行金融交易的用户访问由一个或多个其他方用于管理信息的财务软件提供商维护的关于这些金融交易的信息 关于金融交易。 特别地，在该技术中，响应于来自用户的访问请求，包括关于用户与一个或多个其他方之间的金融交易的信息的门户（例如网页）由 向用户提供财务软件。
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