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公开(公告)号：US08429071B2
公开(公告)日：2013-04-23
申请号：US12705709
申请日：2010-02-15
申请人： Martin Davis , Michael Thomas Duke
发明人： Martin Davis , Michael Thomas Duke
IPC分类号： G06Q40/00
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/1085 , G06Q20/3223 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G06Q40/12
摘要： Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.
摘要翻译： 本文描述了通过这种MCD提供移动通信设备（MCD）信用账户和信用交易。 例如，由金融或商业实体赞助的信用账户可以与MCD的唯一ID相关联。 MCD可以与另一个电子设备进行接口，并通过接口启动信用交易，如商业购买，信用转账，货币兑换等。 此外，赞助实体提供的规则可以指导这种交易，例如执行信用限额。 然后，管理组件可以通过诸如因特网或蜂窝/移动通信网络的远程通信接口将由设备执行的交易与金融机构的服务器同步。 因此，移动设备可以替代传统的信用卡来处理信用业务。
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公开(公告)号：US20130212016A1
公开(公告)日：2013-08-15
申请号：US13851639
申请日：2013-03-27
申请人： Martin Davis , Michael Thomas Duke
发明人： Martin Davis , Michael Thomas Duke
IPC分类号： G06Q20/32
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/1085 , G06Q20/3223 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G06Q40/12
摘要： Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.
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公开(公告)号：US20090132392A1
公开(公告)日：2009-05-21
申请号：US11943365
申请日：2007-11-20
申请人： Martin Davis , Michael Thomas Duke
发明人： Martin Davis , Michael Thomas Duke
IPC分类号： G06Q40/00
CPC分类号： G06Q20/36 , G06Q10/087 , G06Q20/32 , G06Q20/327 , G06Q20/363 , G06Q20/3821 , G06Q20/385 , G06Q20/40145 , G06Q20/405 , G06Q40/00 , G06Q40/02
摘要： Association of personal, financial, and/or business-related identification information with a mobile communication device (MCD) is provided for herein. For example, an MCD can be associated with a financial account and can further include an identification component that verifies an identity of a user of the MCD. Identity can be verified by biometric analysis (e.g., finger/thumb print scan), username and password, optical feature scan, or a combination thereof or of like mechanisms, for instance. Accordingly, the claimed subject matter provides a mechanism to verify identification of a user of an MCD and incorporate user ID into remote data exchange, including remote financial transactions, with one or more networked devices.
摘要翻译： 本文提供与个人，财务和/或业务相关的识别信息与移动通信设备（MCD）的协会。 例如，MCD可以与财务帐户相关联，并且还可以包括验证MCD的用户的身份的识别组件。 身份可以通过例如生物特征分析（例如手指/拇指打印扫描），用户名和密码，光学特征扫描或其组合或类似的机制来验证。 因此，所要求保护的主题提供了一种机制，用于验证MCD的用户的识别，并将用户ID并入与一个或多个联网设备的远程金融交易的远程数据交换中。
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公开(公告)号：US09098844B2
公开(公告)日：2015-08-04
申请号：US11943365
申请日：2007-11-20
申请人： Martin Davis , Michael Thomas Duke
发明人： Martin Davis , Michael Thomas Duke
IPC分类号： G07B17/00 , G07F19/00 , G06Q40/00 , G06Q20/32 , G06Q10/08 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q40/02
CPC分类号： G06Q20/36 , G06Q10/087 , G06Q20/32 , G06Q20/327 , G06Q20/363 , G06Q20/3821 , G06Q20/385 , G06Q20/40145 , G06Q20/405 , G06Q40/00 , G06Q40/02
摘要： Association of personal, financial, and/or business-related identification information with a mobile communication device (MCD) is provided for herein. For example, an MCD can be associated with a financial account and can further include an identification component that verifies an identity of a user of the MCD. Identity can be verified by biometric analysis (e.g., finger/thumb print scan), username and password, optical feature scan, or a combination thereof or of like mechanisms, for instance. Accordingly, the claimed subject matter provides a mechanism to verify identification of a user of an MCD and incorporate user ID into remote data exchange, including remote financial transactions, with one or more networked devices.
摘要翻译： 本文提供与个人，财务和/或业务相关的识别信息与移动通信设备（MCD）的协会。 例如，MCD可以与财务帐户相关联，并且还可以包括验证MCD的用户的身份的识别组件。 身份可以通过例如生物特征分析（例如手指/拇指打印扫描），用户名和密码，光学特征扫描或其组合或类似的机制来验证。 因此，所要求保护的主题提供了一种机制，用于验证MCD的用户的识别，并将用户ID并入与一个或多个联网设备的远程金融交易的远程数据交换中。
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公开(公告)号：US08805740B2
公开(公告)日：2014-08-12
申请号：US13851639
申请日：2013-03-27
申请人： Martin Davis , Michael Thomas Duke
发明人： Martin Davis , Michael Thomas Duke
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/1085 , G06Q20/3223 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G06Q40/12
摘要： Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.
摘要翻译： 本文描述了通过这种MCD提供移动通信设备（MCD）信用账户和信用交易。 例如，由金融或商业实体赞助的信用账户可以与MCD的唯一ID相关联。 MCD可以与另一个电子设备进行接口，并通过接口启动信用交易，如商业购买，信用转账，货币兑换等。 此外，赞助实体提供的规则可以指导这种交易，例如执行信用限额。 然后，管理组件可以通过诸如因特网或蜂窝/移动通信网络的远程通信接口将由设备执行的交易与金融机构的服务器同步。 因此，移动设备可以替代传统的信用卡来处理信用业务。
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公开(公告)号：US20100145835A1
公开(公告)日：2010-06-10
申请号：US12705709
申请日：2010-02-15
申请人： Martin Davis , Michael Thomas Duke
发明人： Martin Davis , Michael Thomas Duke
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/1085 , G06Q20/3223 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G06Q40/12
摘要： Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.
摘要翻译： 本文描述了通过这种MCD提供移动通信设备（MCD）信用账户和信用交易。 例如，由金融或商业实体赞助的信用账户可以与MCD的唯一ID相关联。 MCD可以与另一个电子设备进行接口，并通过接口启动信用交易，如商业购买，信用转账，货币兑换等。 此外，赞助实体提供的规则可以指导这种交易，例如执行信用限额。 然后，管理组件可以通过诸如因特网或蜂窝/移动通信网络的远程通信接口将由设备执行的交易与金融机构的服务器同步。 因此，移动设备可以替代传统的信用卡来处理信用业务。
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公开(公告)号：US07689508B2
公开(公告)日：2010-03-30
申请号：US11943362
申请日：2007-11-20
申请人： Martin Davis , Michael Thomas Duke
发明人： Martin Davis , Michael Thomas Duke
IPC分类号： G06Q40/00
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/1085 , G06Q20/3223 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G06Q40/12
摘要： Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.
摘要翻译： 本文描述了通过这种MCD提供移动通信设备（MCD）信用账户和信用交易。 例如，由金融或商业实体赞助的信用账户可以与MCD的唯一ID相关联。 MCD可以与另一个电子设备进行接口，并通过接口启动信用交易，如商业购买，信用转账，货币兑换等。 此外，赞助实体提供的规则可以指导这种交易，例如执行信用限额。 然后，管理组件可以通过诸如因特网或蜂窝/移动通信网络的远程通信接口将由设备执行的交易与金融机构的服务器同步。 因此，移动设备可以替代传统的信用卡来处理信用业务。
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公开(公告)号：US20090132415A1
公开(公告)日：2009-05-21
申请号：US11943362
申请日：2007-11-20
申请人： Martin Davis , Michael Thomas Duke
发明人： Martin Davis , Michael Thomas Duke
IPC分类号： G06Q40/00
CPC分类号： G06Q20/322 , G06Q20/10 , G06Q20/1085 , G06Q20/3223 , G06Q20/40 , G06Q30/06 , G06Q40/00 , G06Q40/12
摘要： Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.
摘要翻译： 本文描述了通过这种MCD提供移动通信设备（MCD）信用账户和信用交易。 例如，由金融或商业实体赞助的信用账户可以与MCD的唯一ID相关联。 MCD可以与另一个电子设备进行接口，并通过接口启动信用交易，如商业购买，信用转账，货币兑换等。 此外，赞助实体提供的规则可以指导这种交易，例如执行信用限额。 然后，管理组件可以通过诸如因特网或蜂窝/移动通信网络的远程通信接口将由设备执行的交易与金融机构的服务器同步。 因此，移动设备可以替代传统的信用卡来处理信用业务。
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公开(公告)号：US20090025090A1
公开(公告)日：2009-01-22
申请号：US11780289
申请日：2007-07-19
IPC分类号： H04L9/32
CPC分类号： G07C9/00103 , G07C9/00031
摘要： A system that enables secure data storage into a third party managed electronic storage vault is disclosed. This electronic storage vault provides customers with a secure location to store important data such as insurance policies, automobile titles, deeds, wills, birth certificates, tax documents or the like. An interface can be provided which secures (e.g., encrypts, digitally signs) data related to transmission, storage and retrieval. A management component can be employed to regulate (e.g., authenticate) deposit or access of documents to/from the storage vault.
摘要翻译： 公开了一种使安全数据存储到第三方管理的电子存储库中的系统。 这种电子存储保险库为客户提供了一个安全的位置，用于存储重要数据，如保险单，汽车头衔，行为，遗嘱，出生证明，税务凭证等。 可以提供可以保证（例如，加密，数字签名）与传输，存储和检索有关的数据的接口。 可以使用管理组件来规范（例如，认证）存储或存储文件到/从存储库。
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公开(公告)号：US08327450B2
公开(公告)日：2012-12-04
申请号：US11780289
申请日：2007-07-19
CPC分类号： G07C9/00103 , G07C9/00031
摘要： A system that enables secure data storage into a third party managed electronic storage vault is disclosed. This electronic storage vault provides customers with a secure location to store important data such as insurance policies, automobile titles, deeds, wills, birth certificates, tax documents or the like. An interface can be provided which secures (e.g., encrypts, digitally signs) data related to transmission, storage and retrieval. A management component can be employed to regulate (e.g., authenticate) deposit or access of documents to/from the storage vault.
摘要翻译： 公开了一种使安全数据存储到第三方管理的电子存储库中的系统。 这种电子存储保险库为客户提供了一个安全的位置，用于存储重要数据，如保险单，汽车头衔，行为，遗嘱，出生证明，税务凭证等。 可以提供可以保证（例如，加密，数字签名）与传输，存储和检索有关的数据的接口。 可以使用管理组件来规范（例如，认证）存储或存储文件到/从存储库。
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