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1. 发明申请

US20110217994A1 Systems and Methods to Automate Transactions via Mobile Devices 审中-公开
标题翻译：通过移动设备自动化交易的系统和方法
公开(公告)号：US20110217994A1
公开(公告)日：2011-09-08
申请号：US12772937
申请日：2010-05-03
申请人： Ron HIRSON , Erich L. RINGEWALD , David YOO
发明人： Ron HIRSON , Erich L. RINGEWALD , David YOO
IPC分类号： H04W4/12 , G06Q30/00 , G06Q50/00 , H04L9/30
CPC分类号： G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/3829 , G06Q30/04 , G06Q30/0641 , H04M15/00 , H04W4/24
摘要： Systems and methods are provided to automate transactions via mobile communications. In one aspect, a system includes a data storage facility to store data associating phone numbers with accounts and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format. The common format processor has an application programming interface to receive requests, such as a charge request having an identification of a phone number, an identification of a merchant, and an amount, and a status request having an identification of the first request, and is to transmit a message to a telephonic apparatus at the phone number to confirm the charge request, using one of the converters.
摘要翻译：提供系统和方法以通过移动通信自动化交易。一方面，系统包括数据存储设施，用于存储将电话号码与帐户相关联的数据和与数据存储设施相配合的交换。交换机包括通用格式处理器和多个转换器，以与移动通信的多个不同控制器进行接口。转换器被配置为以不同格式与控制器进行通信，并且通用格式处理器以通用格式通信。通用格式处理器具有用于接收请求的应用编程接口，例如具有电话号码标识，商家标识和数量的收费请求以及具有第一请求标识的状态请求，并且是以电话号码向电话设备发送消息，以使用转换器之一来确认收费请求。

2. 发明申请

US20100299220A1 Systems and Methods to Confirm Transactions via Mobile Devices 审中-公开
标题翻译：通过移动设备确认交易的系统和方法
公开(公告)号：US20100299220A1
公开(公告)日：2010-11-25
申请号：US12637692
申请日：2009-12-14
申请人： Daniel BASKERVILLE , Erich L. RINGEWALD
发明人： Daniel BASKERVILLE , Erich L. RINGEWALD
IPC分类号： G06Q20/00 , G06Q30/00 , H04W4/02
CPC分类号： H04L67/2823 , G06Q20/32 , G06Q20/3223 , G06Q20/4014 , G06Q20/42 , G06Q30/02 , H04L51/38 , H04L63/083 , H04L69/18 , H04W12/00512 , H04W12/06 , H04W12/10
摘要： Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account identifier of a user and a phone number of the user and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats; and the converters are configured to communicate with the common format processor in a common format to facilitate electronic payment transactions using the account identifier.
摘要翻译：提供系统和方法以便于通过移动通信进行在线交易。一方面，一种系统包括用于存储用户的帐户标识符和用户的电话号码的数据存储设施以及与数据存储设施相结合的交换机。交换机包括通用格式处理器和多个转换器，以与移动通信的多个不同控制器进行接口。转换器被配置为以不同格式与控制器进行通信; 并且转换器被配置为以通用格式与公共格式处理器通信，以便于使用帐户标识符的电子支付交易。

3. 发明授权

US08583496B2 Systems and methods to process payments via account identifiers and phone numbers 有权
标题翻译：通过帐户标识符和电话号码处理付款的系统和方法
公开(公告)号：US08583496B2
公开(公告)日：2013-11-12
申请号：US13094459
申请日：2011-04-26
申请人： David Yoo , Erich L. Ringewald , Mark Britto
发明人： David Yoo , Erich L. Ringewald , Mark Britto
IPC分类号： G06Q20/00
CPC分类号： G06Q20/3255 , G06Q20/10 , G06Q20/108 , G06Q20/16 , G06Q20/20 , G06Q20/32
摘要： Systems and methods are provided to facilitate transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores data associating a phone number of a user and an account identifier of the user. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format. The common format processor uses one of the converters to transmit premium messages to the phone number to collect funds via a telecommunication carrier, receives a payment request having the account identifier, identifies the phone number based on the account identifier, and makes a payment on behalf of the user using the collected funds.
摘要翻译：提供系统和方法以促进通过移动通信的交易。在一个方面，一种系统包括数据存储设施和与数据存储设施相结合的交换，该数据存储设备存储与用户的电话号码和用户的帐户标识相关联的数据。交换机包括通用格式处理器和多个转换器，以与移动通信的多个不同控制器进行接口。转换器被配置为以不同格式与控制器进行通信，并且通用格式处理器以通用格式进行通信。通用格式处理器使用其中一个转换器将高级消息传送到电话号码，以通过电信运营商收集资金，接收具有帐户标识符的支付请求，基于帐户标识符识别电话号码，并代表支付的用户使用收集的资金。

4. 发明申请

US20130246145A1 CARD LINKING 审中-公开
标题翻译：卡连接
公开(公告)号：US20130246145A1
公开(公告)日：2013-09-19
申请号：US13489323
申请日：2012-06-05
申请人： Erich L. Ringewald , Amit Gaur
发明人： Erich L. Ringewald , Amit Gaur
IPC分类号： G06Q20/36
CPC分类号： G06Q20/36 , G06Q20/227 , G06Q20/405
摘要： A computer-based system for managing electronic transactions is described. A plurality of first card numbers is received over a network interface device. Each respective first card number is stored in a data store in association with a respective consumer account. A charge advisory is received over the network interface device, the charge advisory including a charge advisory card number. A selected one of the consumer accounts is identified by associating one of the first card numbers with the second card number. The charge advisory is processed based on an account detail of the selected consumer account.
摘要翻译：描述了一种用于管理电子交易的基于计算机的系统。通过网络接口设备接收多个第一卡号。每个相应的第一卡号与相应的消费者帐户相关联地存储在数据存储器中。通过网络接口设备收到费用咨询，收费咨询包括费用咨询卡号码。通过将第一卡号中的一个与第二卡号相关联来识别所选择的一个消费者帐户。根据所选消费者帐户的帐户详细信息处理费用咨询。

5. 发明授权

US07685067B1 Computer-assisted funds transfer system 有权
标题翻译：计算机辅助资金转账系统
公开(公告)号：US07685067B1
公开(公告)日：2010-03-23
申请号：US09312028
申请日：1999-05-14
申请人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
发明人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A payment request associated with a transfer of funds is received and a risk management assessment for both sides thereof is performed. If the risk management assessment procedure produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed for delivery of a payment associated therewith. The risk management assessment may be performed on the basis of credit/authentication information derived from customer information received with (or even prior to) the payment request. Such customer information may include credit card account information and/or bank account information (e.g., checking account) information. In some cases, the risk management assessment may include an automated component and a manual (non-automated) component. Such a manual component may be needed where the automated component of the risk management assessment provides suspect information regarding one of the parties to the transaction. Where the payment request is processed for delivery of the payment, such processing may include submitting a payment authorization request, and, upon receiving a settlement indication regarding that payment authorization request, transmitting the payment. In some cases, the payment may be transmitted as a check, while in others it may be transmitted as a money order or instruction to have funds automatically deposited in an account.
摘要翻译：收到与资金转移相关的支付请求，并对其两侧执行风险管理评估。如果风险管理评估程序产生不利指示，则付款请求被拒绝。否则，可以处理支付请求以递送与之相关联的支付。可以基于从（或甚至在付款请求之前）接收的客户信息得到的信用/认证信息来执行风险管理评估。这样的客户信息可以包括信用卡帐户信息和/或银行帐户信息（例如，检查帐户）信息。在某些情况下，风险管理评估可能包括自动化组件和手动（非自动化）组件。在风险管理评估的自动化部分提供关于交易的一方的可疑信息的情况下，可能需要这样的手动部件。在处理支付请求以交付付款的情况下，这种处理可以包括提交付款授权请求，并且在收到关于该支付授权请求的结算指示时，发送支付。在某些情况下，支付可以作为支票发送，而在其他情况下，支付可以作为汇款单或指令发送，以将资金自动存入账户。

6. 发明授权

US07848965B1 System and method of offering media content 有权
标题翻译：提供媒体内容的系统和方法
公开(公告)号：US07848965B1
公开(公告)日：2010-12-07
申请号：US12699503
申请日：2010-02-03
申请人： Samuel S. Heyworth , Jonathan D. Phillips , Erich L. Ringewald
发明人： Samuel S. Heyworth , Jonathan D. Phillips , Erich L. Ringewald
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0603 , G06Q30/0633
摘要： A system and method of offering media content is disclosed. In one embodiment, the method includes receiving a selection of a disaggregated media content item from a user computer at a server via an online site that offers a catalog of items. The method also includes identifying a catalog item related to the selected disaggregated media content item. Further, the method includes displaying a detail interface via the online site, the detail interface including details related to the disaggregated media content item and a recommendation of the identified catalog item. A graphical user interface (GUI) is disclosed that includes a song-level detail page including a plurality of details related to an individual song available for download via an online site. The GUI includes at least one recommendation of at least one other item associated with a performer of the individual song, where the other item(s) are offered via the online site.
摘要翻译：公开了一种用于促进诸如音乐或视频文件的媒体内容项目的下载和管理的系统和方法。在一个实施例中，服务器通过生成并返回指定媒体内容项的源的有效载荷文件来响应来自用户计算设备的用于媒体内容项的请求。如果用户计算设备通过指示其不识别有效载荷文件作出响应，则服务器可向用户计算设备发送能够处理有效载荷文件的下载管理应用程序。在一些实施例中，下载管理应用程序可以能够将媒体内容项目下载到与安装在用户计算设备上的玩家应用程序相关联的库。

7. 发明授权

US07689487B1 Computer-assisted funds transfer system 有权
标题翻译：计算机辅助资金转账系统
公开(公告)号：US07689487B1
公开(公告)日：2010-03-30
申请号：US11845977
申请日：2007-08-28
申请人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
发明人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
IPC分类号： F40
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A funds transfer system is disclosed that is responsive to a receipt of a payment request by performing a risk management assessment of an associated payer and payee. If the risk management assessment produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed by causing funds to be transferred between the payer and payee. The risk management assessment may be performed on the basis of credit and/or authentication information derived from customer information received with or prior to the payment request. Such customer information may, for example, include credit card account information and/or bank account information.
摘要翻译：公开了一种资金转帐系统，其通过执行相关的付款人和收款人的风险管理评估来响应收到付款请求。如果风险管理评估产生不利指示，则付款请求被拒绝。否则，可以通过在付款人和收款人之间转移资金来处理付款请求。风险管理评估可以基于从在付款请求之前或之前收到的客户信息得到的信用和/或认证信息来执行。这样的客户信息可以例如包括信用卡帐户信息和/或银行帐户信息。

8. 发明申请

US20120173348A1 Systems and Methods to Process Payments via Account Identifiers and Phone Numbers 有权
标题翻译：通过帐户标识符和电话号码处理付款的系统和方法
公开(公告)号：US20120173348A1
公开(公告)日：2012-07-05
申请号：US13094459
申请日：2011-04-26
申请人： David Yoo , Erich L. Ringewald , Mark Britto
发明人： David Yoo , Erich L. Ringewald , Mark Britto
IPC分类号： G06Q20/00
CPC分类号： G06Q20/3255 , G06Q20/10 , G06Q20/108 , G06Q20/16 , G06Q20/20 , G06Q20/32
摘要： Systems and methods are provided to facilitate transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage facility that stores data associating a phone number of a user and an account identifier of the user. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and with the common format processor in a common format. The common format processor uses one of the converters to transmit premium messages to the phone number to collect funds via a telecommunication carrier, receives a payment request having the account identifier, identifies the phone number based on the account identifier, and makes a payment on behalf of the user using the collected funds.
摘要翻译：提供系统和方法以促进通过移动通信的交易。在一个方面，一种系统包括数据存储设施和与数据存储设施相结合的交换，该数据存储设备存储与用户的电话号码和用户的帐户标识相关联的数据。交换机包括通用格式处理器和多个转换器，以与移动通信的多个不同控制器进行接口。转换器被配置为以不同格式与控制器进行通信，并且通用格式处理器以通用格式通信。通用格式处理器使用其中一个转换器将高级消息传送到电话号码，以通过电信运营商收集资金，接收具有帐户标识符的支付请求，基于帐户标识符识别电话号码，并代表支付的用户使用收集的资金。

9. 发明申请

US20120066120A1 SYSTEMS AND METHODS TO PROCESS PAYMENTS VIA A COMMUNICATION SYSTEM 审中-公开
标题翻译：通过系统处理付款的系统和方法
公开(公告)号：US20120066120A1
公开(公告)日：2012-03-15
申请号：US13229469
申请日：2011-09-09
申请人： Erich L. Ringewald , Javier Francisco Martell
发明人： Erich L. Ringewald , Javier Francisco Martell
IPC分类号： G06Q40/00
CPC分类号： G06Q20/102 , G06Q20/12 , G06Q20/3223
摘要： Systems and methods are provided to facilitate online transactions via real-time communications. In one aspect, a method includes: receiving, in a computing device, a payment request from a user terminal of a user, where the payment request identifies a merchant and an identifier that identifies the user on a data communications network for real-time communications connections with the user; communicating using the identifier by the computing device on the data communications network to secure funds from the user for the payment request; and in response to a success in securing the funds via the communicating using the identifier on the data communications network, transmitting a message from the computing device to the merchant to indicate a payment to the merchant using the funds on behalf of the user.
摘要翻译：提供系统和方法以便通过实时通信进行在线交易。一方面，一种方法包括：在计算设备中接收来自用户的用户终端的支付请求，其中支付请求标识商家，以及标识用户在数据通信网络上用于实时通信与用户的连接; 通过数据通信网络上的计算设备使用标识符进行通信，以便为用户支付用于支付请求的资金; 并且响应于通过使用数据通信网络上的标识符的通信来确保资金的成功，将来自计算设备的消息发送到商家，以指示代表用户使用资金向商家付款。

10. 发明申请

US20120030281A1 SYSTEM AND METHOD OF MANAGING MEDIA CONTENT 有权
标题翻译：管理媒体内容的系统和方法
公开(公告)号：US20120030281A1
公开(公告)日：2012-02-02
申请号：US13236571
申请日：2011-09-19
申请人： Samuel S. Heyworth , Jonathan D. Phillips , Erich L. Ringewald
发明人： Samuel S. Heyworth , Jonathan D. Phillips , Erich L. Ringewald
IPC分类号： G06F15/16
CPC分类号： G06F17/30017
摘要： A system and method of managing media content is disclosed. In one embodiment, the method includes sending a request for a media content item from a user computer to a server via an interface to an online site. The method also includes receiving the media content item at the user computer. Further, the method includes selecting a library associated with a media content player application and, upon receipt of the media content item, automatically adding the media content item to the selected library of the media content player application at the user computer.
摘要翻译：公开了一种管理媒体内容的系统和方法。在一个实施例中，该方法包括经由与在线站点的接口从用户计算机向服务器发送媒体内容项的请求。该方法还包括在用户计算机处接收媒体内容项目。此外，该方法包括选择与媒体内容播放器应用相关联的库，并且在接收到媒体内容项目时，在用户计算机处将媒体内容项自动添加到所选择的媒体内容播放器应用程序库。

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