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    Multiple aggregator support
    1.
    发明授权
    Multiple aggregator support 有权
    多聚合器支持

    公开(公告)号：US08126967B2

    公开(公告)日：2012-02-28

    申请号：US12753429

    申请日：2010-04-02

    申请人： Mark Carlson ,  Pat Stan

    发明人： Mark Carlson ,  Pat Stan

    IPC分类号： G06F15/16 ,  G06F15/173

    CPC分类号： G06Q20/401 ,  G06Q20/202 ,  G06Q20/325 ,  G06Q20/40 ,  G06Q30/0185 ,  G06Q30/0224 ,  G06Q30/0236 ,  G06Q40/12 ,  G06Q50/265 ,  G08B5/229 ,  G08B25/004 ,  H04L12/1895 ,  H04L67/04 ,  H04L67/26 ,  H04L67/306

    摘要： Systems, methods and communication gateways for delivering timely, cost efficient and scalable user alert messages are disclosed. Using electronic communication media, user alert messages are generated by a communication gateway at the request of a requesting entity, such as a credit card issuer. The alert message is associated with a message identifier and then routed to one or more message aggregators based on the content of the alert message initiation request and a routing table. If the first selection of message aggregators is not available or otherwise unable to deliver the user alert message, then the communication gateway can reroute the user alert message to another message aggregator or queue the message for later delivery. The communication gateway can monitor and log the status and ability of the servicing message aggregator in the routing table to better facilitate timely delivery of the user alert messages.

    摘要翻译： 公开了用于提供及时，成本效益和可扩展的用户警报消息的系统，方法和通信网关。 使用电子通信媒体，通过请求实体（如信用卡发行者）的请求，由通信网关生成用户警报消息。 警报消息与消息标识符相关联，然后基于警报消息发起请求和路由表的内容路由到一个或多个消息聚合器。 如果消息聚合器的第一选择不可用或以其他方式不能传递用户警报消息，则通信网关可以将用户警报消息重新路由到另一个消息聚合器或者将该消息排队以供以后传送。 通信网关可以在路由表中监视和记录服务消息聚合器的状态和能力，以更好地促进用户警报消息的及时传递。

    ONLINE WARRANTY HISTORY STORAGE ACCESS
    2.
    发明申请
    ONLINE WARRANTY HISTORY STORAGE ACCESS 审中-公开
    在线保修历史存储访问

    公开(公告)号：US20110131135A1

    公开(公告)日：2011-06-02

    申请号：US12861115

    申请日：2010-08-23

    申请人： Mark Carlson ,  Pat Stan ,  Patrick L. Faith ,  Ayman A. Hammad ,  Ben Rewis

    发明人： Mark Carlson ,  Pat Stan ,  Patrick L. Faith ,  Ayman A. Hammad ,  Ben Rewis

    IPC分类号： G06Q10/00 ,  G06Q40/00

    CPC分类号： G06Q10/00 ,  G06Q20/40 ,  G06Q30/012 ,  G06Q30/06

    摘要： A message confirming a transaction for the purchase of an item can include identifiers for the item and for a consumer as well as information pertaining to the transaction. The item identifier is used to locate an express warranty for the item. The consumer identifier (e.g.; a number of an account issued to the consumer) is used to locate the consumer's file in which the express warranty is stored along with at least a portion of the information pertaining to the transaction. Other data received in respective messages can be also be stored in the consumer's file. Thereafter, the consumer identifier can be use to retrieve all express warranties stored in the file for past respective purchased items. Information about each express warranty can be compared to the stored portion of the information pertaining to the transaction so as to retrieve only those express warranties that are valid (e.g.; unexpired).

    摘要翻译： 确认购买项目的交易的消息可以包括项目和消费者的标识符以及与交易有关的信息。 项目标识符用于查找项目的明示保修。 消费者标识符（例如，向消费者发放的帐户的数量）用于定位消费者在其中存储明示保证的文件以及与交易相关的信息的至少一部分。 在各消息中收到的其他数据也可以存储在消费者的文件中。 此后，可以使用消费者标识符来检索存储在文件中的所有对于过去各自购买的商品的所有明示保证。 关于每个明示保修的信息可以与存储的关于交易的信息的部分进行比较，以便仅检索那些有效（例如未到期）的明示保证。

    Communication device including multi-part alias identifier
    5.
    发明授权
    Communication device including multi-part alias identifier 有权

    公开(公告)号：US09715709B2

    公开(公告)日：2017-07-25

    申请号：US12437416

    申请日：2009-05-07

    申请人： Mark Carlson

    发明人： Mark Carlson

    IPC分类号： G06Q20/40 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/22 ,  G06Q20/20 ,  G06Q20/42 ,  G06Q40/00 ,  G06Q20/10 ,  H04L29/06

    CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/40 ,  H04L63/083

    摘要： Methods and systems are disclosed for allowing financial transactions to be conducted using consumer devices. In some embodiments, the consumer device is a mobile communication device, such as a mobile phone. A payer initiates a transaction by sending a payment request message from a mobile phone which specifies the payee and amount to be paid. Payees are identified by unique aliases, which are maintained in a database. The aliases, in turn, are comprised of multiple parts. Each part of the alias may identify a relevant aspect of the transaction. For example, one part of the alias may identify the payee and another part of the alias may identify the financial institution of the account of the payee. Methods for assembling the enrollment and alias database are included.

    UPDATES BASED ON MOBILE DEVICE LOCATION
    7.
    发明申请
    UPDATES BASED ON MOBILE DEVICE LOCATION 审中-公开
    基于移动设备位置的更新

    公开(公告)号：US20160314464A1

    公开(公告)日：2016-10-27

    申请号：US15200734

    申请日：2016-07-01

    申请人： Mark Carlson ,  Surendra Keshan

    发明人： Mark Carlson ,  Surendra Keshan

    IPC分类号： G06Q20/40 ,  G06Q20/32 ,  H04W64/00 ,  H04W4/02 ,  H04L29/08

    CPC分类号： G06Q20/401 ,  G06Q20/3224 ,  H04L67/306 ,  H04W4/021 ,  H04W4/029 ,  H04W64/00

    摘要： Embodiments of the present invention relate to determining the location of an enrolled account holder using a mobile device, such as a mobile phone, that is associated with the cardholder's transaction account in a location-based system (LBS). The mobile device is used to determine the approximate location of the account holder at the time of the transaction, for example, by using cellular tower triangulation. Location data, such as geographic coordinates, may be combined with transaction data. The combination of transaction data and location data can be used to generate heat maps showing transaction, spending, and fraud patterns, among other data.

    摘要翻译： 本发明的实施例涉及使用在基于位置的系统（LBS）中与持卡人的交易账户相关联的移动设备（例如移动电话）来确定登记的账户持有者的位置。 移动设备用于在交易时确定账户持有人的大致位置，例如通过使用蜂窝式塔式三角测量。 诸如地理坐标的位置数据可以与交易数据组合。 交易数据和位置数据的组合可以用于生成显示交易，支出和欺诈模式的热图，以及其他数据。

    Selfie-Graph
    8.
    发明申请
    Selfie-Graph 审中-公开
    自拍图

    公开(公告)号：US20160267941A1

    公开(公告)日：2016-09-15

    申请号：US14643158

    申请日：2015-03-10

    申请人： Mark Carlson

    发明人： Mark Carlson

    IPC分类号： G11B27/031 ,  G06K9/22 ,  G06K9/00 ,  H04N5/272 ,  H04N5/232

    CPC分类号： G11B27/031 ,  G06T11/60 ,  H04N5/23229

    摘要： The present invention relates to a photography method that is enabled with the feature of autographing a photograph at a mobile terminal and can be implemented on any communication device that has hardware components that can perform wireless and wired communication, such as multi-purpose pocket computers and personal multimedia devices.

    摘要翻译： 本发明涉及一种摄影方法，其具有在移动终端上对照片进行签名的特征，并且可以在具有可执行无线和有线通信的硬件组件的任何通信设备上实现，诸如多用途袖珍计算机和 个人多媒体设备。

    ONLINE ACCOUNT ACCESS CONTROL BY MOBILE DEVICE
    9.
    发明申请
    ONLINE ACCOUNT ACCESS CONTROL BY MOBILE DEVICE 审中-公开
    移动设备在线帐户访问控制

    公开(公告)号：US20160183092A1

    公开(公告)日：2016-06-23

    申请号：US15059191

    申请日：2016-03-02

    申请人： Mark Carlson

    发明人： Mark Carlson

    IPC分类号： H04W12/06 ,  H04L29/06

    CPC分类号： G06F21/31 ,  H04L63/08 ,  H04L63/0892 ,  H04W12/06

    摘要： Systems and methods for controlling access to an online account are described. An access control message including an action to be performed on an online account can be sent from a mobile device to a server. The server may identify the mobile device based on identifying information in the access control message. Upon identifying the mobile device, the server may determine whether the user has authority to initiate the action to be performed on the online account. Upon determining that a user of the mobile device does have authority to initiate the indicated action, the action indicated in the access control message may be taken with respect to the online account.

    摘要翻译： 描述了用于控制对在线帐户的访问的系统和方法。 包括要在在线帐户上执行的动作的访问控制消息可以从移动设备发送到服务器。 服务器可以基于访问控制消息中的识别信息识别移动设备。 在识别移动设备时，服务器可以确定用户是否有权启动在线帐户执行的动作。 在确定移动设备的用户确实有权力发起所指示的动作时，访问控制消息中指示的动作可以相对于在线帐户进行。

    Familiar dynamic human challenge response test content
    10.
    发明授权
    Familiar dynamic human challenge response test content 有权
    熟悉的动态人类挑战响应测试内容

    公开(公告)号：US09195822B2

    公开(公告)日：2015-11-24

    申请号：US13721647

    申请日：2012-12-20

    申请人： Mark Carlson ,  Shalini Mayor

    发明人： Mark Carlson ,  Shalini Mayor

    IPC分类号： G06F21/45 ,  G06F21/31

    CPC分类号： H04L63/0876 ,  G06F21/31 ,  G06F21/45 ,  G06F2221/2133 ,  H04L63/20

    摘要： Embodiments of the invention are directed to human challenge response test delivery systems and methods. Specifically, embodiments of the present invention are directed to secure human challenge response test delivery services of configurable difficulty for user devices. One embodiment of the present invention is directed to methods and systems for implementing a familiar and dynamic human challenge response test challenge repository created from transaction data. The dynamic human challenge response test challenge repository may be created by a server computer receiving a plurality of transaction data. Challenge items may be extracted from the transaction data using an extraction algorithm. Furthermore, in some embodiments a challenge message may be sent to a requestor, a verification request may be received, and the verification request may be compared to the challenge message. Another embodiment may be directed at using user information in a human challenge response test to mutually authenticate a user and a service provider.

    摘要翻译： 本发明的实施例涉及人类挑战响应测试传递系统和方法。 具体地，本发明的实施例涉及用于用户设备的可配置难度的安全的人类挑战响应测试传递服务。 本发明的一个实施例涉及用于实现从交易数据库创建的熟悉和动态的人类挑战响应测试挑战存储库的方法和系统。 可以由接收多个交易数据的服务器计算机创建动态人类挑战响应测试挑战存储库。 可以使用提取算法从交易数据中提取挑战项目。 此外，在一些实施例中，挑战消息可以被发送到请求者，可以接收验证请求，并且将验证请求与挑战消息进行比较。 另一个实施例可以针对在人类挑战响应测试中使用用户信息来相互认证用户和服务提供商。