公开(公告)号：US08239326B1

公开(公告)日：2012-08-07

申请号：US11858006

申请日：2007-09-19

申请人： Philip Yuen ,  Chih-Jen Huang ,  Diwakar Gupta ,  Gerald Yuen ,  Michael M. George

发明人： Philip Yuen ,  Chih-Jen Huang ,  Diwakar Gupta ,  Gerald Yuen ,  Michael M. George

IPC分类号： G06Q40/00

CPC分类号： G06Q20/385 ,  G06Q20/409 ,  G06Q20/425

摘要： A transaction processing and authorization service. If a source entity does not respond to an authorization attempt via a communications channel, the service may generate a transaction phrase corresponding to the transaction and communicate the transaction phrase to the source entity. The transaction phrase may also be stored by the service and associated with the source entity's account and the particular transaction as initiated, and may be used to identify the transaction. After receiving the transaction phrase, the source entity may then, if desired, return the transaction phrase to the service. Upon receiving the transaction phrase from the source entity, the service may then contact the source entity via the communications channel to authorize the transaction. As an alternative, a source entity may submit a replay command to the service to replay any pending transactions.

摘要翻译： 交易处理和授权服务。 如果源实体通过通信信道不响应授权尝试，则服务可以生成与事务相对应的事务短语，并将该事务短语传达给源实体。 交易短语还可以由服务存储并且与源实体的帐户和特定交易相关联，并且可以用于标识交易。 在接收到交易短语之后，如果需要，源实体可以将交易短语返回给服务。 在从源实体接收到交易短语时，服务可以经由通信信道与源实体联系以授权交易。 作为替代，源实体可以向服务提交重播命令以重播任何未决事务。

公开(公告)号：US07729989B1

公开(公告)日：2010-06-01

申请号：US11858002

申请日：2007-09-19

申请人： Philip Yuen ,  Chih-Jen Huang ,  Diwakar Gupta ,  Gerald Yuen ,  Michael M. George

发明人： Philip Yuen ,  Chih-Jen Huang ,  Diwakar Gupta ,  Gerald Yuen ,  Michael M. George

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q20/405

摘要： A transaction processing and authorization service. A transaction initiation message received from a source entity by the service may include one or more errors. The service may, in response to receiving an incorrect transaction initiation message, contact the source entity via a second communications channel and allow the source entity to correct the faulty transaction initiation message during the communication session. The service may allow the source entity to correct only incorrect or missing portions of the transaction initiation message, and thus the source entity may not be required to re-enter the entire message. Correction of the transaction initiation message may be performed as part of an authorization contact from the service to the source entity on a communications channel, and thus the correction may not require any extra communications attempts or sessions between the service and the source entity.

摘要翻译： 交易处理和授权服务。 由服务从源实体接收的事务发起消息可以包括一个或多个错误。 响应于接收到不正确的事务发起消息，服务可以经由第二通信信道与源实体联系，并允许源实体在通信会话期间纠正故障交易发起消息。 该服务可以允许源实体仅修正事务发起消息的不正确或缺失的部分，并且因此源实体可能不需要重新输入整个消息。 交易发起消息的修改可以作为从通信信道上的服务到源实体的授权联系的一部分执行，因此校正可能不需要服务和源实体之间的任何额外的通信尝试或会话。

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。

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。

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.

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。

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。

公开(公告)号：US08244592B2

公开(公告)日：2012-08-14

申请号：US12057148

申请日：2008-03-27

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与选择相对应的代码的消息。 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生成购买请求。

公开(公告)号：US20090249459A1

公开(公告)日：2009-10-01

申请号：US12056620

申请日：2008-03-27

申请人： Chesley Coughlin ,  Isaac Oates ,  Diwakar Gupta ,  Philip Yuen ,  Gerald Yuen ,  Chih-Jen Huang ,  Lee Butler ,  Howard Gefen

发明人： Chesley Coughlin ,  Isaac Oates ,  Diwakar Gupta ,  Philip Yuen ,  Gerald Yuen ,  Chih-Jen Huang ,  Lee Butler ,  Howard Gefen

IPC分类号： H04L9/32 ,  G06F21/00

CPC分类号： H04L63/08 ,  G06Q20/40 ,  H04L63/083 ,  H04W12/06 ,  H04W60/00

摘要： Embodiments of a system and method for receiving task requests from unregistered devices are described. Embodiments may include a communication interface service configured to receive from a communication device a message indicative of a request to perform a task. The communication interface service may determine that the communication device is not registered with an existing account that provides information for performing said task. The communication interface service may obtain identification and authentication information for an existing account via a communication channel. The existing account may be an account for that is accessible via a network-based interface. The communication channel through which the identification and authentication information is received by the communication interface service may be any communication channel that does not include the network-based interface of the existing account. Additionally, the communication interface service may use the identification and authentication information for performance of the task using the existing account.

摘要翻译： 描述用于从未注册的设备接收任务请求的系统和方法的实施例。 实施例可以包括通信接口服务，其被配置为从通信设备接收指示执行任务的请求的消息。 通信接口服务可以确定通信设备没有向提供用于执行所述任务的信息的现有帐户注册。 通信接口服务可以通过通信信道获得现有帐户的识别和认证信息。 现有帐户可以是可通过基于网络的界面访问的帐户。 由通信接口服务接收到识别和认证信息的通信信道可以是不包括现有帐户的基于网络的接口的任何通信信道。 此外，通信接口服务可以使用识别和认证信息来使用现有帐户执行任务。

公开(公告)号：US20090248543A1

公开(公告)日：2009-10-01

申请号：US12057148

申请日：2008-03-27

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 ,  H04Q7/20

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与选择相对应的代码的消息。 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生成购买请求。