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1. 发明申请

US20130211930A1 TRANSACTION AUTHENTICATION WITH AN MSISDN AT A POS ROUTED THROUGH A MERCHANT ACQUIRER COMPUTER SYSTEM 审中-公开
标题翻译：在通过商业采购计算机系统路由的POS机上的MSISDN的交易认证
公开(公告)号：US20130211930A1
公开(公告)日：2013-08-15
申请号：US13465368
申请日：2012-05-07
申请人： David Yoo
发明人： David Yoo
IPC分类号： G06Q20/20
CPC分类号： G06Q20/22 , G06Q20/08
摘要： A computer-based method of managing electronic transactions is described. A plurality of consumer accounts is stored in a data store, each consumer account having a first consumer account identifier. A second consumer account identifier in the form of an MSISDN is received in a point-of-sale device. The point-of-sale device transmits the charge request, including an amount and the second consumer account identifier, to a merchant acquirer computer system, which routes the charge request. The charge request is received over a network interface device, the charge request including the amount and the second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account.
摘要翻译：描述了基于计算机的电子交易管理方法。多个消费者帐户存储在数据存储器中，每个消费者帐户具有第一消费者帐户标识符。在销售点设备中接收以MSISDN形式的第二消费者帐户标识符。销售点设备将包括金额和第二用户帐户标识符的费用请求发送到路由收费请求的商家获取计算机系统。收费请求通过网络接口设备接收，收费请求包括金额和第二消费者帐户标识符。通过将第一消费者帐户标识符之一与第二消费者帐户标识符相关联来识别所选择的一个消费者帐户，并且基于所选消费者帐户的帐户细节来处理收费请求。

2. 发明申请

US20120221437A1 Systems and Methods to Automate Social Networking Activities 审中-公开
标题翻译：自动化社交网络活动的系统和方法
公开(公告)号：US20120221437A1
公开(公告)日：2012-08-30
申请号：US13094476
申请日：2011-04-26
申请人： David Yoo
发明人： David Yoo
IPC分类号： G06Q30/00 , G06Q20/00
CPC分类号： G06Q20/209 , G06Q10/107 , G06Q30/04 , G06Q30/06 , G06Q50/01
摘要： Systems and methods are provided to automate certain social networking activities in response to payments processed via mobile communications. In one aspect, a system includes a data storage facility to store social networking preferences with 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. The common format processor is configured to communicate with a third party social networking site in accordance with the social networking preferences on behalf of the user, during processing of the payment, such as posting a message about a purchase, checking the user in at a location of the merchant, etc.
摘要翻译：提供系统和方法来响应通过移动通信处理的支付来自动化某些社交网络活动。在一个方面，系统包括用于存储具有用户的电话号码的社交网络偏好的数据存储设施以及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; 并且转换器被配置为以通用格式与公共格式处理器进行通信。通用格式处理器被配置为在处理支付期间根据代表用户的社交网络偏好与第三方社交网站通信，诸如发布关于购买的消息，在位置检查用户的商家等

3. 发明申请

US20110237232A1 Systems and Methods to Provide Offers on Mobile Devices 有权
标题翻译：在移动设备上提供优惠的系统和方法
公开(公告)号：US20110237232A1
公开(公告)日：2011-09-29
申请号：US13071189
申请日：2011-03-24
申请人： Ron Hirson , David Yoo
发明人： Ron Hirson , David Yoo
IPC分类号： H04W4/24
CPC分类号： H04M15/68 , G06Q30/00 , H04W4/24
摘要： Systems and methods to propagate and redeem offers via mobile communications. In one aspect, a system includes an interchange and a data storage facility storing a value in association with a first phone number. 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 common format processor in a common format and with the controllers in different formats. The common format processor is to re-associate the value with a second phone number and to use one converter of the converters to communicate a reference of the value to a telephonic apparatus at the second phone number, in response to a request from a telephonic apparatus at the first phone number, when the request includes the second phone number and a reference to the value.
摘要翻译：通过移动通信传播和兑换优惠的系统和方法。在一个方面，系统包括交换和数据存储设施，其存储与第一电话号码相关联的值。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。转换器被配置为以通用格式与通用格式处理器通信，并且控制器以不同格式通信。通用格式处理器是将值与第二电话号码重新相关联，并且响应于来自电话设备的请求，使用转换器的一个转换器将值的参考以第二电话号码传送给电话设备在第一电话号码处，当请求包括第二电话号码和对该值的引用时。

4. 发明申请

US20110213671A1 Systems and Methods to Process Payments 审中-公开
标题翻译：处理付款的系统和方法
公开(公告)号：US20110213671A1
公开(公告)日：2011-09-01
申请号：US13012631
申请日：2011-01-24
申请人： Ron Hirson , David Yoo
发明人： Ron Hirson , David Yoo
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3255 , G06Q20/40 , G06Q30/04 , G06Q30/06 , G06Q50/32
摘要： Systems and methods are provided to facilitate online 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 with an account, such as a balance of the account, identification information of a plurality of funding sources, and security data for authentication. 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, to facilitate authentication of the payment requests received from various payment terminals. The requests are authenticated via both the security data and communications with a mobile phone having the phone number. After the authentication, the payments are effected using the account.
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，一种系统包括数据存储设备和与数据存储设备相结合的数据存储设备的交换，该数据存储设备存储将电话号码与帐户相关联的数据，例如帐户的余额，多个资金来源的识别信息和安全性用于认证的数据。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，并以通用格式处理器通信，以便于从各种支付终端接收的支付请求的认证。这些请求通过安全数据和与具有电话号码的移动电话的通信进行认证。认证后，使用该帐户进行付款。

5. 发明授权

US08543087B2 Systems and methods to facilitate repeated purchases 有权
公开(公告)号：US08543087B2
公开(公告)日：2013-09-24
申请号：US13453198
申请日：2012-04-23
申请人： Kurt Davis , Jang Kim , David Yoo , James Goodsall
发明人： Kurt Davis , Jang Kim , David Yoo , James Goodsall
IPC分类号： H04M11/00
CPC分类号： G06Q20/22 , G06Q20/123 , G06Q20/16 , G06Q20/32 , G06Q20/3255 , G06Q20/40
摘要： Systems and methods are provided to facilitate repeated purchase and payment transactions. In one aspect, a system includes an interchange and a data storage facility configured to store payment transaction records associated with phone numbers. 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 to communicate with the common format processor in a common format. The common format processor is configured to identify a prior payment transaction associated with a phone number in response to a message from a mobile phone having the phone number, communicate with a merchant to repeat a purchase according to the prior payment transaction, and transmit via one of the converters premium messages to the mobile phone to collect funds for a payment to repeat the purchase.

6. 发明申请

US20120173413A1 PAN CHARGING TO ACCOUNT ESTABLISHED WITH AN MSISDN 审中-公开
标题翻译： PAN收费帐户与MSISDN建立
公开(公告)号：US20120173413A1
公开(公告)日：2012-07-05
申请号：US13334577
申请日：2011-12-22
申请人： David Yoo
发明人： David Yoo
IPC分类号： G06Q40/02 , G06Q20/24
CPC分类号： G06Q20/10 , G06Q20/3223 , G06Q30/00
摘要： The invention provides a computer system and method for managing electronic transactions. A plurality of consumer accounts are stored in the data store, each consumer account having a first phone number as a first consumer account identifier. A communication and routing module receives a charge request, including an amount and a second consumer account identifier. The second consumer account identifier is an individual account identifier forming part of a personal account number. The communication and routing module identifies a selected one of the consumer accounts by associating one of the first phone numbers with the individual account identifier. A transaction processing system processes the charge request based on an account detail of the selected consumer account.
摘要翻译：本发明提供一种用于管理电子交易的计算机系统和方法。多个消费者帐户存储在数据存储器中，每个消费者帐户具有作为第一消费者帐户标识符的第一电话号码。通信和路由模块接收包括数量和第二消费者帐户标识符的收费请求。第二消费者帐户标识符是形成个人帐号的一部分的个人帐户标识符。通信和路由模块通过将第一电话号码之一与个人帐户标识符相关联来识别所选消费者帐户中的一个。交易处理系统基于所选消费者帐户的帐户细节来处理收费请求。

7. 发明申请

US20110276478A1 Systems and Methods to Manage Information 有权
标题翻译：系统和方法来管理信息
公开(公告)号：US20110276478A1
公开(公告)日：2011-11-10
申请号：US12940965
申请日：2010-11-05
申请人： Ron Hirson , David Yoo
发明人： Ron Hirson , David Yoo
IPC分类号： G06Q40/00
CPC分类号： G06Q20/023 , G06Q20/0453 , G06Q20/102 , G06Q20/16 , G06Q20/3223 , G06Q20/40
摘要： Systems and methods are provided to facilitate online 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 purchase receipts in association with phone numbers. 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, to obtain a confirmation of a payment request that identifies a phone number, a merchant and a purchase from the merchant. After a confirmation is received, the interchange is to use funds associated with the phone number to pay the merchant for the purchase and to receive and store a receipt for the purchase from the merchant.
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，系统包括与电话号码相关联地存储购买收据的数据存储设施和与数据存储设施相结合的交换。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通用格式处理器以通用格式与控制器通信，以获得识别电话号码，商家和从商家购买的支付请求的确认。在接收到确认之后，交换是使用与电话号码相关联的资金来支付商家进行购买，并从商家接收和存储购买的收据。

8. 发明授权

US08688512B2 Offer insertion system 有权
标题翻译：优惠插入系统
公开(公告)号：US08688512B2
公开(公告)日：2014-04-01
申请号：US13334664
申请日：2011-12-22
申请人： David Yoo
发明人： David Yoo
IPC分类号： G06Q30/00 , G06Q40/00
CPC分类号： G06Q20/202 , G06Q30/02 , G06Q30/0238 , G06Q30/0268
摘要： The invention provides a computer system and method for managing electronic transactions. A plurality of consumer and merchant accounts are stored in a data store. Each consumer account has a first consumer account identifier. Each merchant account has a merchant account identifier. A merchant offer is stored in the data store in association with the merchant account having the respective merchant account identifier. A push module associates the merchant offer with the consumer account identifier. A communication and routing module receives a charge request over the network interface device, the charge request including an amount and a second consumer account identifier and identifies a selected one of the consumer accounts by associating one of the first consumer account identifiers with the second consumer account identifier. A transaction processing system that processes the charge request based on an account detail of the selected consumer account.
摘要翻译：本发明提供一种用于管理电子交易的计算机系统和方法。多个消费者和商家账户被存储在数据存储器中。每个消费者帐户都有第一个消费者帐户标识符。每个商户帐号都有一个商家帐号标识符。商户报价与具有相应的商家帐号标识符的商家帐户相关联地存储在数据商店中。推模块将商家报价与消费者帐户标识符相关联。通信和路由模块通过网络接口设备接收收费请求，收费请求包括数量和第二消费者帐户标识符，并且通过将第一消费者帐户标识符之一与第二消费者帐户相关联来识别所选择的一个消费者帐户标识符交易处理系统，其基于所选消费者帐户的帐户细节来处理收费请求。

9. 发明申请

US20140074633A1 TRANSACTION AUTHENTICATION WITH A VARIABLE-TYPE USER-STORED ACCOUNT IDENTIFIER 审中-公开
标题翻译：与可变类型的用户存储帐户标识符的交易认证
公开(公告)号：US20140074633A1
公开(公告)日：2014-03-13
申请号：US14078987
申请日：2013-11-13
申请人： David Yoo
发明人： David Yoo
IPC分类号： G06Q20/38
CPC分类号： G06Q20/382 , G06Q20/20 , G06Q20/227 , G06Q20/3255 , G06Q20/3674
摘要： Each of a plurality of consumer accounts in a data store has a first consumer account identifier. Login information is received from a consumer device over the network interface device. The first consumer account identifier is received from the consumer device and stored in association the consumer account. The first consumer account identifier is storable as one of at least two types of identifiers and the storing by the consumer device of the first consumer account identifier is only permitted upon successful login based on the login information. The charge request is received over a network interface device, the charge request including the amount and the second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account.
摘要翻译：数据存储中的多个消费者帐户中的每一个具有第一消费者帐户标识符。通过网络接口设备从消费者设备接收登录信息。从消费者设备接收第一消费者帐户标识符并且将该消费者帐户关联地存储。第一消费者帐户标识符可存储为至少两种类型的标识符之一，并且消费者设备根据登录信息成功登录时仅允许存储第一消费者帐户标识符。收费请求通过网络接口设备接收，收费请求包括金额和第二消费者帐户标识符。通过将第一消费者帐户标识符之一与第二消费者帐户标识符相关联来识别所选择的一个消费者帐户，并且基于所选消费者帐户的帐户细节来处理收费请求。

10. 发明授权

US08630904B2 Transaction authentication with a variable-type user-stored account identifier 有权
标题翻译：具有可变类型用户存储的帐户标识符的事务认证
公开(公告)号：US08630904B2
公开(公告)日：2014-01-14
申请号：US13465432
申请日：2012-05-07
申请人： David Yoo
发明人： David Yoo
IPC分类号： G06Q20/00
CPC分类号： G06Q20/382 , G06Q20/20 , G06Q20/227 , G06Q20/3255 , G06Q20/3674
摘要： Each of a plurality of consumer accounts in a data store has a first consumer account identifier. Login information is received from a consumer device over the network interface device. The first consumer account identifier is received from the consumer device and stored in association the consumer account. The first consumer account identifier is storable as one of at least two types of identifiers and the storing by the consumer device of the first consumer account identifier is only permitted upon successful login based on the login information. The charge request is received over a network interface device, the charge request including the amount and the second consumer account identifier. A selected one of the consumer accounts is identified by associating one of the first consumer account identifiers with the second consumer account identifier, and the charge request is processed based on an account detail of the selected consumer account.
摘要翻译：数据存储中的多个消费者帐户中的每一个具有第一消费者帐户标识符。通过网络接口设备从消费者设备接收登录信息。从消费者设备接收第一消费者帐户标识符并且将该消费者帐户关联地存储。第一消费者帐户标识符可存储为至少两种类型的标识符之一，并且消费者设备根据登录信息成功登录时仅允许存储第一消费者帐户标识符。收费请求通过网络接口设备接收，收费请求包括金额和第二消费者帐户标识符。通过将第一消费者帐户标识符之一与第二消费者帐户标识符相关联来识别所选择的一个消费者帐户，并且基于所选消费者帐户的帐户细节来处理收费请求。

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