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    Mobile device credit account
    4.
    发明授权
    Mobile device credit account 有权
    移动设备信用账户

    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。

    System and method for bill pay with credit card funding
    5.
    发明授权
    System and method for bill pay with credit card funding 有权
    用信用卡资金支付账单的制度和方法

    公开(公告)号：US08660950B2

    公开(公告)日：2014-02-25

    申请号：US11104959

    申请日：2005-04-12

    申请人： Jack MacKouse

    发明人： Jack MacKouse

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/04 ,  G06Q20/102

    摘要： An Internet based bill payment system and method is provided that allows a consumer to push payments and/or information to any payee from the consumer's credit card account. One embodiment of the invention allows the customer to make a payment to any payee from an enterprise credit card or any other credit account of the enterprise, referred to as “Bill Pay advance.” One embodiment of the invention is provided which allows an enterprise's consumer credit card customers to sign up for and use the enterprise's bill pay advance system, whether or not the consumer has a demand deposit account (DDA) account. The invention allows the customer to designate either source of funds for payment and for any payee they choose to pay. One embodiment of the invention offers an interchange push methodology with customer choice of the payment source of funds and intelligent routing.

    摘要翻译： 提供了一种基于互联网的账单支付系统和方法，其允许消费者将付款和/或信息从消费者的信用卡账户推送到任何收款人。 本发明的一个实施例允许客户从企业信用卡或企业的任何其他信用账户（称为“账单支付提前”）向任何收款人付款。 提供了本发明的一个实施例，其允许企业的消费者信用卡客户注册并使用企业的账单支付提前系统，无论消费者是否具有定期存款账户（DDA）账户。 本发明允许客户指定用于支付的资金来源和他们选择支付的任何收款人。 本发明的一个实施例提供了交换推送方法，其中客户选择资金来源和智能路由。

    WIRELESS MULTI-FACTOR AUTHENTICATION WITH CAPTIVE PORTALS
    6.
    发明申请
    WIRELESS MULTI-FACTOR AUTHENTICATION WITH CAPTIVE PORTALS 有权
    无线多因素认证与主要门户

    公开(公告)号：US20140047510A1

    公开(公告)日：2014-02-13

    申请号：US13584406

    申请日：2012-08-13

    申请人： Lawrence T. Belton ,  Brian Beaty ,  Timothy H. Morris ,  Douglas S. Rodgers ,  Lynn Allen Smith

    发明人： Lawrence T. Belton ,  Brian Beaty ,  Timothy H. Morris ,  Douglas S. Rodgers ,  Lynn Allen Smith

    IPC分类号： G06F21/00

    CPC分类号： H04W12/06 ,  G06F21/00 ,  H04L9/32 ,  H04L63/08 ,  H04L63/102 ,  H04L67/306 ,  H04W12/08

    摘要： Systems and methods for device-agnostic, multi-factor network authentication are disclosed. In some embodiments, a wireless network connection can authenticate a device over secure authentication means with a certificate that confirms a device identity. After authenticating the device, a user can be prompted to provide credentials in a captive portal. The captive portal can be inaccessible to devices that have not already authenticated using a certificate. After providing approved credentials to the captive portal, the user can access the network. This embodiment and additional embodiments are readily integrated into private wireless networks and others.

    摘要翻译： 公开了与设备无关的多因素网络认证的系统和方法。 在一些实施例中，无线网络连接可以通过安全认证装置通过确认设备身份的证书认证设备。 验证设备后，可以提示用户在专用门户中提供凭据。 对于尚未使用证书进行身份验证的设备，可能无法访问该强制门户。 向认证门户提供认证凭证后，用户可以访问网络。 该实施例和附加实施例易于集成到专用无线网络和其他实施例中。

    SYSTEMS AND METHODS FOR BILL PAY WITH CREDIT CARD FUNDING
    7.
    发明申请
    SYSTEMS AND METHODS FOR BILL PAY WITH CREDIT CARD FUNDING 审中-公开
    用于支付信用卡资金的系统和方法

    公开(公告)号：US20130030996A1

    公开(公告)日：2013-01-31

    申请号：US13620581

    申请日：2012-09-14

    申请人： Jack MacKouse

    发明人： Jack MacKouse

    IPC分类号： G06Q20/14

    CPC分类号： G06Q30/04 ,  G06Q20/102

    摘要： An Internet based bill payment system and method is provided that allows a consumer to push payments and/or information to any payee from the consumer's credit card account. One embodiment of the invention allows the customer to make a payment to any payee from an enterprise credit card or any other credit account of the enterprise, referred to as “Bill Pay advance.” One embodiment of the invention is provided which allows an enterprise's consumer credit card customers to sign up for and use the enterprise's bill pay advance system, whether or not the consumer has a demand deposit account (DDA) account. The invention allows the customer to designate either source of funds for payment and for any payee they choose to pay. One embodiment of the invention offers an interchange push methodology with customer choice of the payment source of funds and intelligent routing.

    摘要翻译： 提供了一种基于互联网的账单支付系统和方法，其允许消费者将付款和/或信息从消费者的信用卡账户推送到任何收款人。 本发明的一个实施例允许客户从企业信用卡或企业的任何其他信用账户（称为Bill Pay advance）向任何收款人付款。 提供了本发明的一个实施例，其允许企业的消费者信用卡客户注册并使用企业的账单支付提前系统，无论消费者是否具有定期存款账户（DDA）账户。 本发明允许客户指定用于支付的资金来源和他们选择支付的任何收款人。 本发明的一个实施例提供了交换推送方法，其中客户选择资金来源和智能路由。

    MOBILE DEVICE CREDIT ACCOUNT
    8.
    发明申请
    MOBILE DEVICE CREDIT ACCOUNT 有权

    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.

    LIFETIME FINANCIAL PRODUCT
    9.
    发明申请
    LIFETIME FINANCIAL PRODUCT 审中-公开
    LIFETIME财务产品

    公开(公告)号：US20140067719A1

    公开(公告)日：2014-03-06

    申请号：US14035302

    申请日：2013-09-24

    申请人： Donna E. Peterson

    发明人： Donna E. Peterson

    IPC分类号： G06Q40/06

    CPC分类号： G06Q40/06 ,  G06Q40/08

    摘要： A system and method that offers a simple product solution for managing financial risks in retirement is provided. The product solution combines a uniquely structured deposit product (e.g., certificate of deposit (CD)) together with an insurance policy (e.g., group longevity insurance policy) to guarantee a lifetime stream of income to a customer.

    摘要翻译： 提供了一种提供简单的产品解决方案来管理退休金融风险的系统和方法。 该产品解决方案将独特结构的存款产品（例如存款证明书（CD））与保险单（例如组长寿保险）结合在一起，以保证客户的终身收入流。