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    Blockchain based alias interaction processing
    2.
    发明授权
    Blockchain based alias interaction processing 有权

    公开(公告)号：US11095450B2

    公开(公告)日：2021-08-17

    申请号：US16245678

    申请日：2019-01-11

    申请人： Thomas Purves

    发明人： Thomas Purves

    IPC分类号： H04L9/32 ,  H04L9/06 ,  G06F21/60 ,  H04L29/12 ,  G06Q20/40 ,  G06F21/62

    摘要： A blockchain based alias directory may be utilized. Encrypted lists of aliases may be stored on the blockchain and may be accessible to network computers and secure gateways. Embodiments are directed to secure gateways and user devices for accessing the alias directory stored in the blockchain during a financial transaction. The user device may be provided with a list of aliases from which a user may select a payment account. Upon selection the user may be redirected to an identity verification system of the associated payment network.

    Social Checkout Widget Generation and Integration Apparatuses, Methods and Systems
    5.
    发明申请
    Social Checkout Widget Generation and Integration Apparatuses, Methods and Systems 有权
    社会结算小部件生成和集成设备，方法和系统

    公开(公告)号：US20130290203A1

    公开(公告)日：2013-10-31

    申请号：US13872005

    申请日：2013-04-26

    申请人： Thomas Purves ,  Manav Gupta

    发明人： Thomas Purves ,  Manav Gupta

    IPC分类号： G06Q50/00 ,  G06Q20/12

    CPC分类号： G06Q50/01 ,  G06F9/44526 ,  G06Q10/10 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q30/0613

    摘要： The SOCIAL CHECKOUT WIDGET GENERATION AND INTEGRATION APPARATUSES, METHODS AND SYSTEMS (“CWI”) transforms developer credentials, codes and parameter inputs via the CWI component into buy widgets, payment acceptance and purchase transaction outputs. In one embodiment, the CWI may facilitate obtaining a plurality of authentication parameters and widget customization parameters. The CWI may authenticate a user using a parameter derived from the plurality of authentication parameters and may dynamically generate a purchase widget for the authenticated user using the plurality of widget customization parameters.

    摘要翻译： 社会检查窗口生成和集成设备，方法和系统（“CWI”）通过CWI组件将开发人员凭据，代码和参数输入转换为购买小部件，支付接受和购买交易输出。 在一个实施例中，CWI可以有助于获得多个认证参数和小部件定制参数。 CWI可以使用从多个认证参数导出的参数来认证用户，并且可以使用多个小部件定制参数动态地生成用于经认证的用户的购买小部件。

    TRANSACTION VISUAL CAPTURING APPARATUSES, METHODS AND SYSTEMS
    6.
    发明申请
    TRANSACTION VISUAL CAPTURING APPARATUSES, METHODS AND SYSTEMS 审中-公开
    交易视觉捕获设备，方法和系统

    公开(公告)号：US20130218721A1

    公开(公告)日：2013-08-22

    申请号：US13735802

    申请日：2013-01-07

    申请人： Ernest Borhan ,  Ayman Hammad ,  Thomas Purves ,  Julian Hua ,  Jerry Wald

    发明人： Ernest Borhan ,  Ayman Hammad ,  Thomas Purves ,  Julian Hua ,  Jerry Wald

    IPC分类号： G06Q30/06

    摘要： The TRANSACTION VISUAL CAPTURING APPARATUSES, METHODS AND SYSTEMS (“TVC”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, and mixed gesture capturing via TVC components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the TVC obtains user check-in information from a user mobile device upon user entry into a store. The TVC extracts a user identifier based on the user check-in information, and accesses a database for a user profile. The TVC determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device. Using these, the TVC generates and provides a recommendation to the user mobile device. The TVC adds a product for purchase by the user to a cart based on the provided recommendation. Upon obtaining an indication that the user desires to purchase the product added to the cart, the TVC initiates a purchase transaction for the product added to the cart, and provides an electronic receipt to the user mobile device.

    摘要翻译： 交易视觉捕获设备，方法和系统（“TVC”）将移动设备位置坐标信息传输，实时现实视觉捕获和通过TVC组件的混合姿态捕获转换成实时行为敏感的产品购买相关信息，购物购买 交易通知和电子收据。 在一个实现中，TVC在用户进入商店时从用户移动设备获得用户签入信息。 TVC基于用户登录信息提取用户标识符，并访问用户简档的数据库。 TVC从所访问的用户简档确定用户先前的行为模式，并且从用户移动设备获得用户实时的店内行为数据。 使用这些，TVC生成并向用户移动设备提供推荐。 TVC根据提供的建议，将用户购买的产品添加到购物车中。 在获得用户希望购买添加到购物车中的产品的指示时，TVC发起添加到购物车中的商品的购买交易，并向用户移动装置提供电子收据。

    WALLET SERVICE ENROLLMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS
    7.
    发明申请
    WALLET SERVICE ENROLLMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS 审中-公开
    电子钱包服务平台平台设备，方法和系统

    公开(公告)号：US20130159154A1

    公开(公告)日：2013-06-20

    申请号：US13589053

    申请日：2012-08-17

    申请人： Thomas Purves ,  Shilpak Mahadkar ,  Ayman Hammad

    发明人： Thomas Purves ,  Shilpak Mahadkar ,  Ayman Hammad

    IPC分类号： G06Q20/36

    CPC分类号： G06Q20/363 ,  G06Q20/351 ,  G06Q20/36 ,  G06Q20/405

    摘要： The WALLET SERVICE ENROLLMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“WSEP”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The WSEP may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

    摘要翻译： 电子钱包服务平台平台设备，方法和系统（“WSEP”）有助于在消费者的虚拟钱包中注册支付账户。 消费者可以登录到他们的支付帐户发行者的网站，并指定一个或多个支付账户以便在虚拟钱包中注册。 然后，发行者可以与虚拟钱包提供商共享帐户，计费和/或其他相关信息，以便于在虚拟钱包中注册指定的支付账户。 WSEP还可以配置为便于在消费者的虚拟钱包中创建和资助预付帐户。

    Accepting issuer credentials at checkout
    8.
    发明授权
    Accepting issuer credentials at checkout 有权

    公开(公告)号：US10776766B2

    公开(公告)日：2020-09-15

    申请号：US15418552

    申请日：2017-01-27

    申请人： Thomas Purves

    发明人： Thomas Purves

    IPC分类号： G06Q20/20 ,  G06Q20/40 ,  G06Q20/22 ,  G07G1/01 ,  G06Q20/12 ,  G06F3/0488 ,  G06F3/0481

    摘要： A computer-implemented method presents on a merchant checkout graphical user interface associated with a payment processor widget. The payment processor widget determines affiliations of a plurality of accounts and a plurality of issuers of a user. The payment processor widget via the merchant checkout graphical user interface defines at least one selectable graphic configured for receiving interactions of the user on the selectable graphic. In response to receiving the selection of the selectable graphic, the payment processor widget presents a field within the merchant checkout graphical user interface for receiving a credential from the user associated with an authentication widget of the particular issuer. The authentication widget communicates the credential to the particular issuer for authentication of the user. In response to receiving a successful authentication indicator from the particular issuer, the payment processor widget displays a message indicating that a transaction was approved.

    Token creation and provisioning
    10.
    发明授权
    Token creation and provisioning 有权

    公开(公告)号：US10438195B2

    公开(公告)日：2019-10-08

    申请号：US15337921

    申请日：2016-10-28

    申请人： Thomas Purves

    发明人： Thomas Purves

    IPC分类号： G06Q20/36 ,  G06Q20/40 ,  G06Q20/12

    摘要： Merchants convert consumer account data to a common tokenized format by requesting wallet accounts for consumers not currently enrolled at a wallet platform. The tokenized card numbers replace merchant-stored personal account numbers (PAN) and allow merchants to use a common communication format for processing all transactions. When a consumer creates a new wallet account, existing ‘shadow’ accounts are added to the new wallet account.