公开(公告)号：US07431207B1

公开(公告)日：2008-10-07

申请号：US11031111

申请日：2005-01-05

申请人： Trey Neemann ,  Fred Bishop ,  Michael Barrett ,  David Armes

发明人： Trey Neemann ,  Fred Bishop ,  Michael Barrett ,  David Armes

IPC分类号： G06K5/00

CPC分类号： G06Q20/40 ,  G06Q20/10 ,  G06Q20/385 ,  G06Q30/0603

摘要： To process a commercial transaction, a merchant receives a card payment request from a customer. The merchant redirects the customer to the card issuer. The authorization computer of the card issuer communicates with the customer and authenticates the identity of the customer as the true cardholder of the card presented for payment. In a first embodiment, the merchant submits an authorization request in response to a card payment request to the authorization computer. The merchant receives an authorization confirmation from the authorization computer upon authentication of the identity of the cardholder. In a second embodiment, the customer receives an authorization confirmation from the authorization computer upon the authentication of the identity of the cardholder. The customer then submits the authorization confirmation to the merchant. The merchant, in turn, confirms the authorization confirmation with the authorization computer.

摘要翻译： 为了处理商业交易，商家从客户接收卡付款请求。 商家将客户重定向到发卡机构。 发卡机构的授权计算机与客户进行通信，并将客户的身份认证为提供付款卡的真实持卡人。 在第一实施例中，商家向授权计算机提交响应于卡支付请求的授权请求。 验证持卡人的身份后，商家将从授权计算机收到授权确认。 在第二实施例中，客户在认证持卡人的身份时从授权计算机接收授权确认。 客户然后向商家提交授权确认。 反过来，商家确认授权计算机的授权确认。

公开(公告)号：US06991157B2

公开(公告)日：2006-01-31

申请号：US10710484

申请日：2004-07-14

申请人： Fred Bishop ,  Trey Neemann ,  David Armes

发明人： Fred Bishop ,  Trey Neemann ,  David Armes

IPC分类号： G06F17/60

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).

摘要翻译： 一种用于将第一交易账户设备转换为第二交易账户设备的方法和系统，其中与第一交易账户（例如，存储值账户）相关联或定义为与第一交易账户（例如，存储值账户）相关联的卡号或重新定义为 ，第二个交易账户（如信用卡账户）。

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).

公开(公告)号：USRE43157E1

公开(公告)日：2012-02-07

申请号：US12023834

申请日：2008-01-31

申请人： Fred Bishop ,  Trey Neemann ,  David Armes

发明人： Fred Bishop ,  Trey Neemann ,  David Armes

IPC分类号： G06Q40/00

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).

摘要翻译： 一种用于将第一交易账户设备转换为第二交易账户设备的方法和系统，其中与第一交易账户（例如，存储值账户）相关联或定义为与第一交易账户（例如，存储值账户）相关联的卡号或重新定义为 ，第二个交易账户（如信用卡账户）。

公开(公告)号：US07996320B2

公开(公告)日：2011-08-09

申请号：US12332248

申请日：2008-12-10

申请人： Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

发明人： Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

IPC分类号： G06F21/00

CPC分类号： G06Q20/20 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/02

摘要： Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.

摘要翻译： 消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。 在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。 该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。 为了接收信息，PDA联系门户并建立连接，对网络进行身份验证，并允许用户通过网络完成安全交易或传输。

公开(公告)号：US07945516B2

公开(公告)日：2011-05-17

申请号：US11695911

申请日：2007-04-03

申请人： Fred Bishop ,  Trey Neemann ,  Theodore S Voltmer ,  Fauziah B Ariff

发明人： Fred Bishop ,  Trey Neemann ,  Theodore S Voltmer ,  Fauziah B Ariff

IPC分类号： G06F21/00

CPC分类号： G06F21/606 ,  B01J23/6562 ,  B01J23/8913 ,  B01J37/0205 ,  B01J37/0226 ,  G06F21/6245 ,  G06Q30/02 ,  G06Q30/0226 ,  H04L63/0464 ,  H04L63/0485 ,  H04L63/083

摘要： Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network, and allows the user to complete secured transactions or transmissions over the network.

摘要翻译： 消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。 在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。 该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。 为了接收信息，PDA联系门户并建立连接，对网络进行认证，并允许用户通过网络完成安全交易或传输。

公开(公告)号：US20070179895A1

公开(公告)日：2007-08-02

申请号：US11695911

申请日：2007-04-03

申请人： Fred Bishop ,  Trey Neemann ,  Theodore Voltmer ,  Fauziah Ariff

发明人： Fred Bishop ,  Trey Neemann ,  Theodore Voltmer ,  Fauziah Ariff

IPC分类号： G06Q99/00

CPC分类号： G06F21/606 ,  B01J23/6562 ,  B01J23/8913 ,  B01J37/0205 ,  B01J37/0226 ,  G06F21/6245 ,  G06Q30/02 ,  G06Q30/0226 ,  H04L63/0464 ,  H04L63/0485 ,  H04L63/083

摘要： Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network, and allows the user to complete secured transactions or transmissions over the network.

摘要翻译： 消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。 在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。 该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。 为了接收信息，PDA联系门户并建立连接，对网络进行认证，并允许用户通过网络完成安全交易或传输。

公开(公告)号：US07584149B1

公开(公告)日：2009-09-01

申请号：US11276800

申请日：2006-03-15

申请人： Fred Bishop ,  Trey Neemann ,  Theodore S Voltmer ,  Fauziah B Ariff

发明人： Fred Bishop ,  Trey Neemann ,  Theodore S Voltmer ,  Fauziah B Ariff

IPC分类号： G06Q99/00 ,  G06Q30/00 ,  H04K1/00 ,  H04L9/00

CPC分类号： G06Q20/20 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/02

摘要： Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.

摘要翻译： 消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以利用PDA来促进购买和/或忠诚度过程。 在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。 该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。 为了接收信息，PDA联系门户并建立连接，对网络进行身份验证，并允许用户通过网络完成安全交易或传输。

公开(公告)号：US08738532B2

公开(公告)日：2014-05-27

申请号：US13181883

申请日：2011-07-13

申请人： Fauziah B. Ariff ,  Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer

发明人： Fauziah B. Ariff ,  Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer

IPC分类号： G06Q30/02 ,  G06F15/16 ,  H04L29/06 ,  G06F17/30 ,  G06F7/04 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q30/06 ,  G06Q40/02

CPC分类号： G06Q20/20 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/02

摘要： Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.

摘要翻译： 消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。 在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。 该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。 为了接收信息，PDA联系门户并建立连接，对网络进行身份验证，并允许用户通过网络完成安全交易或传输。

公开(公告)号：US20090089581A1

公开(公告)日：2009-04-02

申请号：US12332248

申请日：2008-12-10

申请人： Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

发明人： Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

IPC分类号： H04L9/32

CPC分类号： G06Q20/20 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/02

摘要： Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.

摘要翻译： 消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。 在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。 该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。 为了接收信息，PDA联系门户并建立连接，对网络进行身份验证，并允许用户通过网络完成安全交易或传输。