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1. 发明授权

US08914302B2 Mobile commerce authentication and authorization system 有权
标题翻译：移动商务认证授权系统
公开(公告)号：US08914302B2
公开(公告)日：2014-12-16
申请号：US13472093
申请日：2012-05-15
申请人： Gregory G. Rose , Craig B. Lauer , Alexander Gantman , Joan T. Waltman
发明人： Gregory G. Rose , Craig B. Lauer , Alexander Gantman , Joan T. Waltman
IPC分类号： G06Q20/00 , G06Q20/40 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/32 , G06Q20/42 , G06Q30/00 , G06Q30/06
CPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/206 , G06Q20/32 , G06Q20/3224 , G06Q20/325 , G06Q20/3278 , G06Q20/425 , G06Q30/00 , G06Q30/0601
摘要： The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum across the wireless communications network.
摘要翻译：移动商务认证和授权系统允许当前存在的移动无线通信工具的用户通过使用位置数据的无线通信系统进行金融交易，包括购买，以授权和认证用户和交易。移动无线通信仪器的位置和供应商销售点设备的位置与支付金额相匹配。移动无线通信仪器用户的认证至少通过应用移动无线通信仪器的位置和/或位置可确定特征，供应商或商家的销售点设备的位置和/或位置来实现，仪器用户寻求购买商品或服务，以及在销售点设备上输入的支付金额。位于无线客户服务器集线器中的事务匹配子系统可以协助在无线通信网络处理位置数据和支付金额。

2. 发明授权

US09734495B2 Mobile commerce authentication and authorization systems 有权
公开(公告)号：US09734495B2
公开(公告)日：2017-08-15
申请号：US12789722
申请日：2010-05-28
申请人： Gregory Gordon Rose , Craig B. Lauer , Joan T. Waltman
发明人： Gregory Gordon Rose , Craig B. Lauer , Joan T. Waltman
IPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/42
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/204 , G06Q20/425
摘要： Mobile commerce authentication and authorization systems enable currently existing point-of-sale devices that are neither structurally nor systemically altered to conduct financial transactions with a customer using an access terminal across a wireless communications system. The point-of-sale devices receive an input from a payment instrument replacement, which identifies the transaction to the point-of-sale device as a transaction including an access terminal. Authentication of the user of the access terminal is achieved at least by application of position and/or location determinable features of the access terminal, the position and/or location of a point-of-sale device of a vendor or merchant where the customer seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A payment matching server may assist in processing the location data and the payment sum amount across communications network.

3. 发明申请

US20110131104A1 Mobile Commerce Authentication And Authorization Systems 有权
标题翻译：移动商务认证和授权系统
公开(公告)号：US20110131104A1
公开(公告)日：2011-06-02
申请号：US12789722
申请日：2010-05-28
申请人： Gregory Gordon Rose , Craig B. Lauer , Joan T. Waltman
发明人： Gregory Gordon Rose , Craig B. Lauer , Joan T. Waltman
IPC分类号： G06Q20/00 , G06K19/00 , G06K19/06
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/204 , G06Q20/425
摘要： Mobile commerce authentication and authorization systems enable currently existing point-of-sale devices that are neither structurally nor systemically altered to conduct financial transactions with a customer using an access terminal across a wireless communications system. The point-of-sale devices receive an input from a payment instrument replacement, which identifies the transaction to the point-of-sale device as a transaction including an access terminal. Authentication of the user of the access terminal is achieved at least by application of position and/or location determinable features of the access terminal, the position and/or location of a point-of-sale device of a vendor or merchant where the customer seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A payment matching server may assist in processing the location data and the payment sum amount across communications network.
摘要翻译：移动商务认证和授权系统使得当前现有的销售点设备既不在结构上也不是系统地改变，以便通过无线通信系统使用接入终端与客户进行金融交易。销售点设备从支付工具替换中接收输入，该替换将识别到作为包括接入终端的交易的销售点设备的交易。至少通过应用接入终端的位置和/或位置确定特征，客户寻求的供应商或商家的销售点设备的位置和/或位置来实现接入终端的用户的认证购买商品或服务，以及在销售点设备上输入的付款金额。支付匹配服务器可以协助处理跨通信网络的位置数据和支付金额。

4. 发明申请

US20120239576A1 MOBILE COMMERCE AUTHENTICATION AND AUTHORIZATION SYSTEM 有权
标题翻译：移动商务认证和授权系统
公开(公告)号：US20120239576A1
公开(公告)日：2012-09-20
申请号：US13472093
申请日：2012-05-15
申请人： Gregory Gordon Rose , Craig Lauer , Alexander Gantman , Joan T. Waltman
发明人： Gregory Gordon Rose , Craig Lauer , Alexander Gantman , Joan T. Waltman
IPC分类号： G06Q20/40 , H04B5/00
CPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/206 , G06Q20/32 , G06Q20/3224 , G06Q20/325 , G06Q20/3278 , G06Q20/425 , G06Q30/00 , G06Q30/0601
摘要： The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum across the wireless communications network.
摘要翻译：移动商务认证和授权系统允许当前存在的移动无线通信工具的用户通过使用位置数据的无线通信系统进行金融交易，包括购买，以授权和认证用户和交易。移动无线通信仪器的位置和供应商销售点设备的位置与支付金额相匹配。移动无线通信仪器用户的认证至少通过应用移动无线通信仪器的位置和/或位置可确定特征，供应商或商家的销售点设备的位置和/或位置来实现，仪器用户寻求购买商品或服务，以及在销售点设备上输入的支付金额。位于无线客户服务器集线器中的事务匹配子系统可以协助在无线通信网络处理位置数据和支付金额。

5. 发明申请

US20130013433A1 MOBILE COMMERCE AUTHENTICATION AND AUTHORIZATION SYSTEM 审中-公开
标题翻译：移动商务认证和授权系统
公开(公告)号：US20130013433A1
公开(公告)日：2013-01-10
申请号：US13614667
申请日：2012-09-13
申请人： Gregory Gordon Rose , Craig Lauer , Alexander Gantman , Joan T. Waltman
发明人： Gregory Gordon Rose , Craig Lauer , Alexander Gantman , Joan T. Waltman
IPC分类号： G06Q20/40 , G06Q20/20
CPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/206 , G06Q20/32 , G06Q20/3224 , G06Q20/325 , G06Q20/3278 , G06Q20/425 , G06Q30/00 , G06Q30/0601
摘要： The mobile commerce authentication and authorization system allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the mobile wireless communications instrument user is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum across the wireless communications network.
摘要翻译：移动商务认证和授权系统允许当前存在的移动无线通信工具的用户通过使用位置数据的无线通信系统进行金融交易，包括购买，以授权和认证用户和交易。移动无线通信仪器的位置和供应商销售点设备的位置与支付金额相匹配。移动无线通信仪器用户的认证至少通过应用移动无线通信仪器的位置和/或位置可确定特征，供应商或商家的销售点设备的位置和/或位置来实现，仪器用户寻求购买商品或服务，以及在销售点设备上输入的支付金额。位于无线客户服务器集线器中的事务匹配子系统可以协助在无线通信网络处理位置数据和支付金额。

6. 发明申请

US20100049615A1 MOBILE COMMERCE AUTHENTICATION AND AUTHORIZATION SYSTEM 审中-公开
标题翻译：移动商务认证和授权系统
公开(公告)号：US20100049615A1
公开(公告)日：2010-02-25
申请号：US12194844
申请日：2008-08-20
申请人： Gregory Gordon Rose , Craig Lauer , Alexander Gantman , Joan T. Waltman
发明人： Gregory Gordon Rose , Craig Lauer , Alexander Gantman , Joan T. Waltman
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q90/00
CPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/04 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/206 , G06Q20/32 , G06Q20/3224 , G06Q20/325 , G06Q20/3278 , G06Q20/425 , G06Q30/00 , G06Q30/0601
摘要： The mobile commerce authentication and authorization system disclosed, illustrated, and claimed allows a user of a currently existing mobile wireless communications instrument to conduct financial transactions, including purchases, across a wireless communications system using location data to authorize and authenticate the user and the transaction. The location of the mobile wireless communications instrument and the location of a vendor point-of-sale device are matched with a payment sum. Authentication of the user of the mobile wireless communications instrument is achieved at least by application of the position and/or location determinable features of the mobile wireless communications instrument, the position and/or location of a point-of-sale device of a vendor or merchant where the instrument user seeks to purchase goods or services, and the payment sum entered on the point-of-sale device. A transaction matching subsystem located in a wireless customer server hub may assist in processing the location data and the payment sum amount across the wireless communications network.
摘要翻译：所公开，示出和声明的移动商务认证和授权系统允许当前存在的移动无线通信工具的用户通过使用位置数据的无线通信系统进行金融交易，包括购买，以授权和认证用户和交易。移动无线通信仪器的位置和供应商销售点设备的位置与支付金额相匹配。至少通过应用移动无线通信工具的位置和/或位置可确定特征，销售商的销售点设备的位置和/或位置来实现移动无线通信设备的用户的认证，或者仪器用户试图购买商品或服务的商家以及在销售点设备上输入的支付金额。位于无线客户服务器集线器中的事务匹配子系统可以协助处理跨无线通信网络的位置数据和支付金额。

7. 发明授权

US08485434B2 M-commerce virtual cash system, method, and apparatus 有权
公开(公告)号：US08485434B2
公开(公告)日：2013-07-16
申请号：US13351341
申请日：2012-01-17
申请人： Joan T. Waltman
发明人： Joan T. Waltman
IPC分类号： G07F19/00
CPC分类号： G06Q20/065 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/3274 , G06Q20/40 , G06Q30/04
摘要： A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.

8. 发明授权

US08245911B2 M-commerce virtual cash system, method, and apparatus 有权
标题翻译：电子商务虚拟现金系统，方法和设备
公开(公告)号：US08245911B2
公开(公告)日：2012-08-21
申请号：US12434157
申请日：2009-05-01
申请人： Joan T. Waltman
发明人： Joan T. Waltman
IPC分类号： G06Q40/00
CPC分类号： G06Q20/065 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/3274 , G06Q20/40 , G06Q30/04
摘要： A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.
摘要翻译：虚拟现金系统，方法和装置具有包含与无线设备相关联的金额记录的帐户记录和用于从帐户记录无线地向无线设备发送预定信息的发送器。可以通过来自无线装置的信息，通过显示器上的条形码，短距离无线电信号，光束等，从无线装置直接从账户记录中支付现金金额。为每个帐户交易生成不同的安全代码进行验证。

9. 发明授权

US5337338A Pulse density modulation circuit (parallel to serial) comparing in a nonsequential bit order 失效
标题翻译：脉冲密度调制电路（并行串行）以非顺序比特顺序进行比较
公开(公告)号：US5337338A
公开(公告)日：1994-08-09
申请号：US11618
申请日：1993-02-01
申请人： Todd Sutton , Sherman Gregory , Joan T. Waltman , Katherine W. White
发明人： Todd Sutton , Sherman Gregory , Joan T. Waltman , Katherine W. White
IPC分类号： H03M5/04 , H03M7/00 , H03K21/14
CPC分类号： H03M5/04
摘要： A pulse density modulation circuit has a counter which produces a most significant bit through a least significant bit output based on a clock input. The circuit also has a comparator with two sets of most significant bit through least significant bit inputs that produces an output based on a comparison of the two sets of inputs. The first set of comparator most significant bit through least significant bit inputs receives respectively a most significant bit through a least significant bit of an input reference signal. The second set of comparator most significant bit through least significant bit inputs receives the counter most significant bit through least significant bit output in a non-sequential bit order. The non-sequential bit order can be a bit reversed order wherein the counter most significant bit through least significant bit output are respectively connected to the comparator least significant bit through most significant bit input. The circuit may further filter the comparator output to provide a resultant analog output signal.
摘要翻译：脉冲密度调制电路具有基于时钟输入通过最低有效位输出产生最高有效位的计数器。该电路还具有比较器，其具有两组最高有效位通过最低有效位输入，其基于两组输入的比较产生输出。第一组比较器最高有效位通过最低有效位输入通过输入参考信号的最低有效位分别接收最高有效位。第二组比较器最高有效位通过最低有效位输入以非顺序位顺序通过最低有效位输出接收计数器最高有效位。非顺序位顺序可以是位反转顺序，其中通过最低有效位输出的计数器最高有效位分别通过最高有效位输入连接到比较器最低有效位。电路可以进一步对比较器输出进行滤波以提供合成的模拟输出信号。

10. 发明申请

US20130018780A1 M-COMMERCE VIRTUAL CASH SYSTEM, METHOD, AND APPARATUS 有权
公开(公告)号：US20130018780A1
公开(公告)日：2013-01-17
申请号：US13351341
申请日：2012-01-17
申请人： Joan T. Waltman
发明人： Joan T. Waltman
IPC分类号： G06Q20/22
CPC分类号： G06Q20/065 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/3274 , G06Q20/40 , G06Q30/04
摘要： A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.

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