公开(公告)号：US07627531B2

公开(公告)日：2009-12-01

申请号：US09800461

申请日：2001-03-07

申请人： Lydia Breck ,  Jessica Zoob ,  Glen Salow ,  Fred Bishop ,  William Schwarz ,  Elliot Glazer ,  David Johnstone ,  Katie Cunningham ,  Anant Nambiar ,  Jan Nunney Belt ,  Martin Wittwer ,  David Armes ,  Christina Chow

发明人： Lydia Breck ,  Jessica Zoob ,  Glen Salow ,  Fred Bishop ,  William Schwarz ,  Elliot Glazer ,  David Johnstone ,  Katie Cunningham ,  Anant Nambiar ,  Jan Nunney Belt ,  Martin Wittwer ,  David Armes ,  Christina Chow

IPC分类号： G06F17/00

CPC分类号： G06Q20/383 ,  G06Q10/04 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/14 ,  G06Q20/206 ,  G06Q20/327 ,  G06Q20/346 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q40/00 ,  G07C9/00111 ,  G07C9/00119 ,  G07F7/1008

摘要： The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.

摘要翻译： 本发明提供一种用于使用与持卡人的主要账户相关联的次要交易号码促进交易的系统和方法。 持卡人通常将与其相关联的有限使用条件的次要交易号码提供给商家以促进更安全和更自信的交易。

公开(公告)号：US07835960B2

公开(公告)日：2010-11-16

申请号：US10709978

申请日：2004-06-10

申请人： Lydia Breck ,  Jessica Zoob ,  Glen Salow ,  Fred Bishop ,  William Schwarz ,  Elliot Glazer ,  David Johnstone ,  Katie Cunningham ,  Anant Nambiar ,  Jan Nunney Belt ,  Martin Wittwer ,  David Armes ,  Christina Chow

发明人： Lydia Breck ,  Jessica Zoob ,  Glen Salow ,  Fred Bishop ,  William Schwarz ,  Elliot Glazer ,  David Johnstone ,  Katie Cunningham ,  Anant Nambiar ,  Jan Nunney Belt ,  Martin Wittwer ,  David Armes ,  Christina Chow

IPC分类号： G06Q40/00

CPC分类号： G06Q20/383 ,  G06Q10/04 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/14 ,  G06Q20/206 ,  G06Q20/327 ,  G06Q20/346 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q40/00 ,  G07C9/00111 ,  G07C9/00119 ,  G07F7/1008

摘要： The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.

摘要翻译： 本发明提供了一种使用与持卡人的主要账户相关联的辅助交易号码促进交易的系统和方法。 持卡人通常将与其相关联的有限使用条件的次要交易号码提供给商家以促进更安全和更自信的交易。

公开(公告)号：US07783566B2

公开(公告)日：2010-08-24

申请号：US10176729

申请日：2002-06-21

申请人： David Armes ,  Fred Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

发明人： David Armes ,  Fred Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

IPC分类号： G06Q40/00

CPC分类号： G06Q20/227 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/06

摘要： The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants. The comprehensive payment service is based upon a consolidated account used to store value acquired through on-line transactions. The invention provides private payment numbers for protecting the identities of the participants and includes processes for authenticating participants, authorizing transactions, and settling payments. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.

摘要翻译： 本发明提供了一种用于在保护交易参与者的隐私的同时提供和/或促进完整的在线支付服务的系统和方法。 综合支付服务基于用于存储通过在线交易获得的价值的综合账户。 本发明提供用于保护参与者的身份的私人付款号码，并且包括用于认证参与者，授权交易和结算付款的过程。 因此，本发明使得商家能够有效地接受非标准形式的付款而不改变其当前的支付基础设施，并且使得能够使用任何价值来提供任何网络商家的购买价值。

公开(公告)号：US20110004551A1

公开(公告)日：2011-01-06

申请号：US12845412

申请日：2010-07-28

申请人： David Armes ,  Fred Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

发明人： David Armes ,  Fred Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

IPC分类号： G06Q20/00

CPC分类号： G06Q20/227 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/06

摘要： The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants. The comprehensive payment service is based upon a consolidated account used to store value acquired through on-line transactions. The invention provides private payment numbers for protecting the identities of the participants and includes processes for authenticating participants, authorizing transactions, and settling payments. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.

摘要翻译： 本发明提供了一种用于在保护交易参与者的隐私的同时提供和/或促进完整的在线支付服务的系统和方法。 综合支付服务基于用于存储通过在线交易获得的价值的综合账户。 本发明提供用于保护参与者的身份的私人付款号码，并且包括用于认证参与者，授权交易和结算付款的过程。 因此，本发明使得商家能够有效地接受非标准形式的付款而不改变其当前的支付基础设施，并且使得能够使用任何价值来提供任何网络商家的购买价值。

公开(公告)号：US07660795B2

公开(公告)日：2010-02-09

申请号：US10716251

申请日：2003-11-17

申请人： Michael Richard Barrett ,  David Armes ,  Fred Bishop ,  James Shelby ,  Elliot Glazer ,  Philip W. Steitz ,  Stephen P. Gibbons

发明人： Michael Richard Barrett ,  David Armes ,  Fred Bishop ,  James Shelby ,  Elliot Glazer ,  Philip W. Steitz ,  Stephen P. Gibbons

IPC分类号： G06F17/30

CPC分类号： G06F21/34 ,  G06Q40/00 ,  Y10S707/99931

摘要： A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts.

摘要翻译： 用于促进用户身份管理的方法和系统包括所有权组件，注册组件和维护组件。 当用户首先希望使用本发明访问系统时，注册组件通过询问各种问题来验证用户对基础帐户的所有权。 此后，当用户期望服务他的帐户时，可以重新查询用户以确定他是否正尝试访问正确的信息。 认证和访问组件提供访问本发明的系统的功能。 审计组件可以配置为定期监控各种帐户，以确保用户和帐户之间的连续连接。

公开(公告)号：US07505941B2

公开(公告)日：2009-03-17

申请号：US10908434

申请日：2005-05-11

申请人： Fred Bishop ,  David S Bonalle ,  Glen Salow

发明人： Fred Bishop ,  David S Bonalle ,  Glen Salow

IPC分类号： G06Q99/00

CPC分类号： G07F7/0866 ,  G06Q20/027 ,  G06Q20/341 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/401 ,  G06Q20/4097 ,  G07F7/1008

摘要： A system and method for facilitating electronic transactions using a biometric are disclosed. The system for facilitating electronic transactions using a biometric comprises a smartcard-reader transaction system. The method comprises determining if a transaction violates an established rule, such as a preset spending limit. The method also comprises notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.

摘要翻译： 公开了一种用于促进使用生物特征的电子交易的系统和方法。 用于促进使用生物特征的电子交易的系统包括智能卡读取器交易系统。 该方法包括确定交易是否违反已建立的规则，例如预设支出限额。 该方法还包括通知用户提供生物特征样本以验证所述用户的身份，并且在传感器处检测提供的生物特征以获得提供的生物特征样本。 该方法另外包括验证所提供的生物特征样本并授权交易在验证所提供的生物特征样本时继续。

公开(公告)号：US20050187883A1

公开(公告)日：2005-08-25

申请号：US10908434

申请日：2005-05-11

申请人： Fred Bishop ,  David Bonalle ,  Glen Salow

发明人： Fred Bishop ,  David Bonalle ,  Glen Salow

IPC分类号： G07F7/08 ,  G07F7/10 ,  H04L9/00

CPC分类号： G07F7/0866 ,  G06Q20/027 ,  G06Q20/341 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/401 ,  G06Q20/4097 ,  G07F7/1008

摘要： A system and method for facilitating electronic transactions using a biometric are disclosed. The system for facilitating electronic transactions using a biometric comprises a smartcard-reader transaction system. The method comprises determining if a transaction violates an established rule, such as a preset spending limit. The method also comprises notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.

摘要翻译： 公开了一种用于促进使用生物特征的电子交易的系统和方法。 用于促进使用生物特征的电子交易的系统包括智能卡读取器交易系统。 该方法包括确定交易是否违反已建立的规则，例如预设支出限额。 该方法还包括通知用户提供生物特征样本以验证所述用户的身份，并且在传感器处检测提供的生物特征以获得提供的生物特征样本。 该方法另外包括验证所提供的生物特征样本并授权交易在验证所提供的生物特征样本时继续。

公开(公告)号：US20070198406A1

公开(公告)日：2007-08-23

申请号：US11695174

申请日：2007-04-02

申请人： Fred Bishop ,  Michael Barrett ,  David Armes ,  Lee Wojciechowski ,  Madhukar Madhineni ,  Vilayanur Krishnan ,  Joshua McKay ,  Lucas Gebb

发明人： Fred Bishop ,  Michael Barrett ,  David Armes ,  Lee Wojciechowski ,  Madhukar Madhineni ,  Vilayanur Krishnan ,  Joshua McKay ,  Lucas Gebb

IPC分类号： G06Q40/00

CPC分类号： G06Q30/06 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/403 ,  G06Q30/0601 ,  G06Q30/0633 ,  G06Q40/00 ,  G06Q40/025

摘要： The present invention provides a system and method for facilitating commercial transactions involving the exchange of monetary value for goods, services, or other value between remote individuals, as in the case of transactions between users of a distributed computer network such as the Internet. Remote individuals are provided with a convenient, cost-efficient, and secure means for engaging in commercial transactions with one another. The invention provides remote sellers with an irrevocable means of receiving funds from a remote purchaser; means for improving purchaser willingness to transact with an unknown party; transaction tracking; and rapid funds availability. The invention also provides remote purchasers with means for making a secure, confidential transfer of funds; means for immediate initiation of shipment by a seller; means for releasing funds to a seller only after approval of the goods, services, or other value; means for demonstrating proof of payment; and means for having some level of recourse against a remote seller.

公开(公告)号：US20070168281A1

公开(公告)日：2007-07-19

申请号：US11695168

申请日：2007-04-02

申请人： Fred Bishop ,  Michael Barrett ,  David Armes ,  Lee Wojciechowski ,  Madhukar Madhineni ,  Vilayanur Krishnan ,  Joshua McKay ,  Lucas Gebb

发明人： Fred Bishop ,  Michael Barrett ,  David Armes ,  Lee Wojciechowski ,  Madhukar Madhineni ,  Vilayanur Krishnan ,  Joshua McKay ,  Lucas Gebb

IPC分类号： G06Q40/00

CPC分类号： G06Q30/06 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/403 ,  G06Q30/0601 ,  G06Q30/0633 ,  G06Q40/00 ,  G06Q40/025

摘要： The present invention provides a system and method for facilitating commercial transactions involving the exchange of monetary value for goods, services, or other value between remote individuals, as in the case of transactions between users of a distributed computer network such as the Internet. Remote individuals are provided with a convenient, cost-efficient, and secure means for engaging in commercial transactions with one another. The invention provides remote sellers with an irrevocable means of receiving funds from a remote purchaser; means for improving purchaser willingness to transact with an unknown party; transaction tracking; and rapid funds availability. The invention also provides remote purchasers with means for making a secure, confidential transfer of funds; means for immediate initiation of shipment by a seller; means for releasing funds to a seller only after approval of the goods, services, or other value; means for demonstrating proof of payment; and means for having some level of recourse against a remote seller.

公开(公告)号：US06805287B2

公开(公告)日：2004-10-19

申请号：US10242584

申请日：2002-09-12

申请人： Fred Bishop ,  Trey Neemann ,  David Armes

发明人： Fred Bishop ,  Trey Neemann ,  David Armes

IPC分类号： G06F1700

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).