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    Anonymous mobile payments
    1.
    发明授权
    Anonymous mobile payments 有权

    公开(公告)号：US08423457B1

    公开(公告)日：2013-04-16

    申请号：US12422404

    申请日：2009-04-13

    申请人： Paul C. Schattauer ,  Derek Wegner ,  Diwakar Gupta ,  Chih-Jen Huang ,  Philip Yuen

    发明人： Paul C. Schattauer ,  Derek Wegner ,  Diwakar Gupta ,  Chih-Jen Huang ,  Philip Yuen

    IPC分类号： G06F15/30

    CPC分类号： G06Q20/383 ,  G06Q20/10 ,  G06Q20/385 ,  G06Q20/387

    摘要： Anonymous mobile payments enable a user to make and/or receive payments without disclosing personal or private information to another party. In some aspects, a provider of a payment may request an anonymous payment for a specified value from a host. In response, the host may transmit to the provider a code that is available for redemption. The provider may then relay the code to a recipient, who may redeem the code from the host. In other aspects, a recipient may request a temporary identifier (special code) from a host. The recipient may relay the temporary identifier to a provider, who may in turn transmit a payment, via the host, using the temporary identifier. The recipient may then claim the payment from the host. In additional aspects, the codes of the anonymous payments may include expiration times and/or restrictions on a number of uses of the code.

    High demand sale processing
    2.
    发明授权
    High demand sale processing 有权
    高需求销售加工

    公开(公告)号：US08255288B1

    公开(公告)日：2012-08-28

    申请号：US12364677

    申请日：2009-02-03

    申请人： Diwakar Gupta ,  Paul C. Schattauer ,  Chih-Jen Huang ,  Philip Yuen ,  Ammar Chinoy ,  Kiran Kumar Meduri

    发明人： Diwakar Gupta ,  Paul C. Schattauer ,  Chih-Jen Huang ,  Philip Yuen ,  Ammar Chinoy ,  Kiran Kumar Meduri

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/06

    摘要： Item scarcity resulting from a high demand of the item is addressed by providing users a high demand sale process. In some aspects, users may opt-in to purchase the item in a sale by transmitting a mobile message to a host over a mobile device network prior to a sale of the item. If the user is eligible, the host then attempts to purchase the item on behalf of the user once the sale begins.

    摘要翻译： 由于对该项目的高需求导致的项目缺乏是通过为用户提供高需求的销售流程来解决的。 在某些方面，用户可以在销售商品之前通过在移动设备网络上向主机发送移动消息来选择在销售中购买该商品。 如果用户符合资格，则主机随后尝试在销售开始后代表用户购买该商品。

    Mobile group payments
    5.
    发明授权
    Mobile group payments 有权
    移动群组付款

    公开(公告)号：US08401968B1

    公开(公告)日：2013-03-19

    申请号：US12056513

    申请日：2008-03-27

    申请人： Paul C. Schattauer ,  Gerald Yuen ,  Philip Yuen ,  Diwakar Gupta

    发明人： Paul C. Schattauer ,  Gerald Yuen ,  Philip Yuen ,  Diwakar Gupta

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/3255 ,  G06Q20/40 ,  G06Q30/06

    摘要： A mobile group payment service enables members of a group to access a group account. The group account may enable members to transmit funds, request funds, and perform account queries, and modify account settings, among other possible operations. A member may request a payment from the group account to a target account. A transaction authorization service may facilitate an authorization process to determine whether the requested payment is authorized by one or more of the other members of the group. Upon authorization, the requested payment may be completed by transferring funds to the target account.

    摘要翻译： 移动组支付服务使组的成员可以访问组帐户。 组帐户可以使成员能够传送资金，请求资金和执行帐户查询，以及修改帐户设置以及其他可能的操作。 会员可以从组帐户请求付款给目标帐户。 交易授权服务可以促进授权过程以确定所请求的支付是由组中的一个或多个其他成员授权的。 授权后，可以通过将资金转入目标账户来完成所请求的付款。

    System and method for message-based purchasing
    6.
    发明授权
    System and method for message-based purchasing 有权
    基于消息的采购的系统和方法

    公开(公告)号：US08533059B2

    公开(公告)日：2013-09-10

    申请号：US13569007

    申请日：2012-08-07

    申请人： Vishay S. Nihalani ,  Diwakar Gupta ,  Chih-Jen Huang ,  Philip Yuen ,  Howard B. Gefen ,  Gerald Yuen

    发明人： Vishay S. Nihalani ,  Diwakar Gupta ,  Chih-Jen Huang ,  Philip Yuen ,  Howard B. Gefen ,  Gerald Yuen

    IPC分类号： G06Q30/00

    CPC分类号： G06Q30/0633 ,  G06Q30/02 ,  G06Q30/0601

    摘要： Various embodiments of a system and method for message-based purchasing are described. The system and method for message-based purchasing may include a message-based purchase service configured to determine that a selection has been performed through a network-based interface. Such selection may be indicative of one or more items offered for sale via the network-based interface. The message-based purchase service may be configured to, in response to the selection of one or more items, send to a communication device, a message indicating a code corresponding to the selection. The message-based purchase service may receive from the communication device through a communication channel that does not include the network-based interface, a message including the code. The message-based purchase service may be configured to, in response to determining that the message received from the communication device includes the code, generate a purchase request for the one or more previously selected items.

    摘要翻译： 描述用于基于消息的购买的系统和方法的各种实施例。 用于基于消息的购买的系统和方法可以包括被配置为确定已经通过基于网络的接口执行了选择的基于消息的购买服务。 这样的选择可以指示通过基于网络的接口提供出售的一个或多个物品。 基于消息的购买服务可以被配置为响应于对一个或多个项目的选择，向通信设备发送指示对应于该选择的代码的消息。 基于消息的购买服务可以通过不包括基于网络的接口的通信信道从通信设备接收包括代码的消息。 基于消息的购买服务可以被配置为响应于确定从通信设备接收到的消息包括代码，为一个或多个先前选择的项产生购买请求。

    System and method for personalized commands
    7.
    发明授权
    System and method for personalized commands 有权
    个性化命令的系统和方法

    公开(公告)号：US08204827B1

    公开(公告)日：2012-06-19

    申请号：US12056608

    申请日：2008-03-27

    申请人： Diwakar Gupta ,  Chih-Jen Huang ,  Philip Yuen ,  Gerald Yuen

    发明人： Diwakar Gupta ,  Chih-Jen Huang ,  Philip Yuen ,  Gerald Yuen

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/10 ,  G06F9/451 ,  G06Q40/12

    摘要： Various embodiments of a system and method for personalized commands are described. The system and method for personalized commands may include a payment service including a command management component. Such payment service may be responsive to one or more base commands. The command management component may be configured to generate a user interface for specifying personalized commands that correspond to the base commands. The command management component may be configured to generate mapping information from the information received via the user interface. The command management component may be configured to receive one or more messages that may include commands for the payment service, including personalized commands. From the personalized commands, the command management component may be configured to determine a corresponding base commands (e.g., based on the mapping information). Once the base command is determined, the payment service may perform the base command.

    摘要翻译： 描述用于个性化命令的系统和方法的各种实施例。 用于个性化命令的系统和方法可以包括包括命令管理组件的支付服务。 这种支付服务可以响应于一个或多个基本命令。 命令管理组件可以被配置为生成用于指定与基本命令相对应的个性化命令的用户界面。 命令管理组件可以被配置为从经由用户界面接收的信息生成映射信息。 命令管理组件可以被配置为接收可包括用于支付服务的命令的一个或多个消息，包括个性化命令。 根据个性化命令，命令管理组件可以被配置为确定相应的基本命令（例如，基于映射信息）。 一旦确定了基本命令，支付服务就可以执行基本命令。

    Media enhanced mobile payments
    8.
    发明授权
    Media enhanced mobile payments 有权

    公开(公告)号：US10552819B1

    公开(公告)日：2020-02-04

    申请号：US12246667

    申请日：2008-10-07

    申请人： Diwakar Gupta ,  Chih-Jen Huang ,  Gerald Yuen ,  Philip Yuen

    发明人： Diwakar Gupta ,  Chih-Jen Huang ,  Gerald Yuen ,  Philip Yuen

    IPC分类号： G06Q20/32

    摘要： Media enhanced mobile payments enable a user to make payments and payment requests that include additional media. The user may transmit a text-based message that may be used to update an account associated with a recipient. Additional media, such as a personalized voice recording, may be acquired by a host from the user, and may be associated with the text-based message. The additional media may be transmitted to the recipient identified in the text-based message. In some aspects, the text-based message may be a short messaging service (SMS) text message. Further aspects may include the host connecting to the user via a telephone call to record the personalized voice recording.

    System and method for preventing large-scale account lockout
    9.
    发明授权
    System and method for preventing large-scale account lockout 有权
    防止大规模帐号锁定的系统和方法

    公开(公告)号：US08302187B1

    公开(公告)日：2012-10-30

    申请号：US11862979

    申请日：2007-09-27

    申请人： Diwakar Gupta ,  Philip Yuen ,  Chih-Jen Huang ,  Gerald Yuen

    发明人： Diwakar Gupta ,  Philip Yuen ,  Chih-Jen Huang ,  Gerald Yuen

    IPC分类号： H04L29/06

    CPC分类号： H04L65/1079

    摘要： Various embodiments of a system and method for preventing large-scale account lockout are described. The system and method for preventing large-scale account lockout may include an account access control component configured to prevent fraudulent individuals from locking access to user accounts. The account access control component may lock access to an account after a lockout threshold is tripped. To prevent an account from being locked by fraudulent individuals, the account access control component may utilize a warning threshold. When the account access control component detects a number of incorrect authorization attempts equal to the warning threshold, the control component may perform various actions to prevent a fraudulent individual from locking an account holder's account, including, but not limited to, contacting the account holder through a registered communication channel to inform the user that the warning threshold has been reached or placing the account holder's account in a particular hold state.

    摘要翻译： 描述了用于防止大规模帐户锁定的系统和方法的各种实施例。 用于防止大规模帐户锁定的系统和方法可以包括被配置为防止欺诈个体锁定对用户帐户的访问的账户访问控制组件。 帐户访问控制组件可能在锁定锁定阈值之后锁定对帐户的访问。 为了防止帐户被欺诈个人锁定，帐户访问控制组件可以利用警告阈值。 当帐户访问控制组件检测到等于警告阈值的许多不正确的授权尝试时，控制组件可以执行各种动作以防止欺诈个体锁定帐户持有者的帐户，包括但不限于通过以下方式联系帐户持有者： 登记的通信信道，用于通知用户已经达到警告阈值，或者将帐户持有人的帐户置于特定保持状态。

    Multimedia enhanced services
    10.
    发明授权
    Multimedia enhanced services 有权
    多媒体增强服务

    公开(公告)号：US08295863B1

    公开(公告)日：2012-10-23

    申请号：US12247161

    申请日：2008-10-07

    申请人： Diwakar Gupta ,  Chih-Jen Huang ,  Gerald Yuen ,  Philip Yuen

    发明人： Diwakar Gupta ,  Chih-Jen Huang ,  Gerald Yuen ,  Philip Yuen

    IPC分类号： H04W4/00 ,  H04M3/16 ,  H04M3/42 ,  G06Q30/00

    CPC分类号： H04W4/60 ,  G06Q30/00

    摘要： Techniques for providing information to users implemented through personal mobile devices such as cell phones, PDAs, electronic book readers, and other such devices are described herein. The described techniques and systems allow users to request searches, perform information seeking, purchasing, or other types of transactions with a provider via a mobile or wireless network using the messaging service capabilities of the users' mobile devices. Messages may be compiled in a manner customized to a user request and may be provided without the user authenticating to the provider in some instances.

    摘要翻译： 这里描述了通过诸如蜂窝电话，PDA，电子书籍阅读器和其他这样的设备的个人移动设备实现的用户提供信息的技术。 所描述的技术和系统允许用户通过移动或无线网络使用用户的移动设备的消息服务能力来请求搜索，执行信息寻求，购买或其他类型的交易。 消息可以以针对用户请求定制的方式被编译，并且可以在某些情况下提供而不用户向提供者进行认证。