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1. 发明授权

US08285820B2 Dynamic content for online transactions 有权
标题翻译：在线交易的动态内容
公开(公告)号：US08285820B2
公开(公告)日：2012-10-09
申请号：US13238959
申请日：2011-09-21
申请人： Hugo Olliphant , Ray Tanaka , Alan Tien , Roy Vella
发明人： Hugo Olliphant , Ray Tanaka , Alan Tien , Roy Vella
IPC分类号： G06F15/16
CPC分类号： G06Q40/02 , G06Q20/227 , G06Q30/02 , G06Q30/0253 , G06Q30/0601 , G06Q30/0641 , G06Q40/00 , G07F17/16
摘要： In one example, a method of providing dynamic content includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network.
摘要翻译：在一个示例中，提供动态内容的方法包括向客户端设备提供对网络上的在线市场的访问。该方法还包括促进由客户端设备存储的用户标识符传送给支付服务提供商。该方法还包括响应于用户标识符从支付服务提供商接收动态内容。此外，该方法包括通过网络将动态内容提供给客户端设备。

2. 发明授权

US08028041B2 Dynamic content for online transactions 有权
标题翻译：在线交易的动态内容
公开(公告)号：US08028041B2
公开(公告)日：2011-09-27
申请号：US11697597
申请日：2007-04-06
申请人： Hugo Olliphant , Ray Tanaka , Alan Tien , Roy Vella
发明人： Hugo Olliphant , Ray Tanaka , Alan Tien , Roy Vella
IPC分类号： G06F15/16
CPC分类号： G06Q40/02 , G06Q20/227 , G06Q30/02 , G06Q30/0253 , G06Q30/0601 , G06Q30/0641 , G06Q40/00 , G07F17/16
摘要： Various methods and systems provide dynamic content to users of online payment service providers without requiring users to log in or otherwise actively engage the payment service providers. In one example, a method includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network.
摘要翻译：各种方法和系统向在线支付服务提供商的用户提供动态内容，而不需要用户登录或以其他方式积极地参与支付服务提供商。在一个示例中，一种方法包括向客户端设备提供对网络上的在线市场的访问。该方法还包括促进由客户端设备存储的用户标识符传送给支付服务提供商。该方法还包括响应于用户标识符从支付服务提供商接收动态内容。此外，该方法包括通过网络将动态内容提供给客户端设备。

3. 发明申请

US20120016776A1 DYNAMIC CONTENT FOR ONLINE TRANSACTIONS 有权
标题翻译：在线交易的动态内容
公开(公告)号：US20120016776A1
公开(公告)日：2012-01-19
申请号：US13238959
申请日：2011-09-21
申请人： Hugo Olliphant , Ray Tanaka , Alan Tien , Roy Vella
发明人： Hugo Olliphant , Ray Tanaka , Alan Tien , Roy Vella
IPC分类号： G06Q30/00
CPC分类号： G06Q40/02 , G06Q20/227 , G06Q30/02 , G06Q30/0253 , G06Q30/0601 , G06Q30/0641 , G06Q40/00 , G07F17/16
摘要： Various methods and systems are disclosed to provide dynamic content to users of online payment service providers without requiring users to log in or otherwise actively engage the payment service providers. In one example, a method of providing dynamic content includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network.
摘要翻译：公开了各种方法和系统以向在线支付服务提供商的用户提供动态内容，而不需要用户登录或以其他方式积极地参与支付服务提供商。在一个示例中，提供动态内容的方法包括向客户端设备提供对网络上的在线市场的访问。该方法还包括促进由客户端设备存储的用户标识符传送给支付服务提供商。该方法还包括响应于用户标识符从支付服务提供商接收动态内容。此外，该方法包括通过网络将动态内容提供给客户端设备。

4. 发明申请

US20070245022A1 DYNAMIC CONTENT FOR ONLINE TRANSACTIONS 有权
标题翻译：在线交易的动态内容
公开(公告)号：US20070245022A1
公开(公告)日：2007-10-18
申请号：US11697597
申请日：2007-04-06
申请人： Hugo Olliphant , Ray Tanaka , Alan Tien , Roy Vella
发明人： Hugo Olliphant , Ray Tanaka , Alan Tien , Roy Vella
IPC分类号： G06F15/16 , G06Q40/00 , G06F15/173
CPC分类号： G06Q40/02 , G06Q20/227 , G06Q30/02 , G06Q30/0253 , G06Q30/0601 , G06Q30/0641 , G06Q40/00 , G07F17/16
摘要： Various methods and systems are disclosed to provide dynamic content to users of online payment service providers without requiring users to log in or otherwise actively engage the payment service providers. In one example, a method of providing dynamic content includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network.
摘要翻译：公开了各种方法和系统以向在线支付服务提供商的用户提供动态内容，而不需要用户登录或以其他方式积极地参与支付服务提供商。在一个示例中，提供动态内容的方法包括向客户端设备提供对网络上的在线市场的访问。该方法还包括促进由客户端设备存储的用户标识符传送给支付服务提供商。该方法还包括响应于用户标识符从支付服务提供商接收动态内容。此外，该方法包括通过网络将动态内容提供给客户端设备。

5. 发明申请

US20130030939A1 DYNAMIC CONTENT FOR ONLINE TRANSACTIONS 有权
标题翻译：在线交易的动态内容
公开(公告)号：US20130030939A1
公开(公告)日：2013-01-31
申请号：US13646396
申请日：2012-10-05
申请人： Hugo Olliphant , Ray Tanaka , Alan Tien , Roy Velia
发明人： Hugo Olliphant , Ray Tanaka , Alan Tien , Roy Velia
IPC分类号： G06Q30/00
CPC分类号： G06Q40/02 , G06Q20/227 , G06Q30/02 , G06Q30/0253 , G06Q30/0601 , G06Q30/0641 , G06Q40/00 , G07F17/16
摘要： Various methods and systems are disclosed to provide dynamic content to users of online payment service providers without requiring users to log in or otherwise actively engage the payment service providers. In one example, a method of providing dynamic content includes providing a client device with access to an online marketplace over a network. The method also includes facilitating transmission of a user identifier stored by the client device to a payment service provider. The method further includes receiving dynamic content from the payment service provider in response to the user identifier. In addition, the method includes serving the dynamic content to the client device over the network.
摘要翻译：公开了各种方法和系统以向在线支付服务提供商的用户提供动态内容，而不需要用户登录或以其他方式积极地参与支付服务提供商。在一个示例中，提供动态内容的方法包括向客户端设备提供对网络上的在线市场的访问。该方法还包括促进由客户端设备存储的用户标识符传送给支付服务提供商。该方法还包括响应于用户标识符从支付服务提供商接收动态内容。此外，该方法包括通过网络将动态内容提供给客户端设备。

6. 发明申请

US20070162366A1 Anti-phishing communication system 审中-公开
标题翻译：反网络钓鱼通信系统
公开(公告)号：US20070162366A1
公开(公告)日：2007-07-12
申请号：US11323989
申请日：2005-12-30
申请人： Ray Tanaka , Alan Tien , Roy Vella
发明人： Ray Tanaka , Alan Tien , Roy Vella
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q10/00
摘要： A system and method for electronic message verification are described. One embodiment adds a unique code to electronic messages which a user can provide to a financial services company website. The code can be verified and a verification notice is provided to the user if the message was authentic. Authentication can be based upon both the code and the user's identification relative to the financial services company.
摘要翻译：描述了用于电子消息验证的系统和方法。一个实施例为用户可以向金融服务公司网站提供的电子消息添加唯一的代码。如果消息是真实的，则可以验证代码并向用户提供验证通知。验证可以基于与金融服务公司相关的代码和用户身份。

7. 发明申请

US20050256806A1 Method and system to facilitate securely processing a payment for an online transaction 有权
标题翻译：方便和系统，方便安全处理在线交易的付款
公开(公告)号：US20050256806A1
公开(公告)日：2005-11-17
申请号：US10844863
申请日：2004-05-12
申请人： Alan Tien , Peter Chu , Ray Tanaka , Steve Chen
发明人： Alan Tien , Peter Chu , Ray Tanaka , Steve Chen
IPC分类号： G06Q30/00 , H04L9/00
CPC分类号： G06Q20/405 , G06Q20/04 , G06Q20/12 , G06Q20/382 , G06Q20/3823 , G06Q20/3829 , G06Q30/06
摘要： A computer-implemented method, to facilitate processing a payment for an online transaction, includes, responsive to receiving secure transaction data from a merchant server, using a payment processor to generate a transaction data identifier to identify the transaction data. The payment processor communicates the transaction data identifier to the merchant server. In response to receiving a request to process a payment, including the transaction data identifier, the payment processor requests user credentials from a user. Upon receiving user credentials from the user, the payment processor verifies the user credentials. The payment processor processes the payment and generates a payment identifier to identify payment data associated with the payment. The payment processor communicates the payment identifier to the merchant server. Upon receiving a request for payment data, including the payment identifier, over a secure communication channel from the merchant server, the payment processor communicates the payment data to the merchant server.
摘要翻译：计算机实现的方法，以便于处理在线交易的支付，包括响应于从商家服务器接收安全交易数据，使用支付处理器来生成交易数据标识符以识别交易数据。支付处理器将交易数据标识符传送到商家服务器。响应于接收到处理支付的请求（包括交易数据标识符），支付处理器从用户请求用户凭证。在从用户接收到用户凭证时，支付处理器验证用户凭证。支付处理器处理支付并产生支付标识符以识别与支付相关联的支付数据。支付处理器将支付标识符传送给商家服务器。在通过来自商家服务器的安全通信信道接收到包括支付标识符的支付数据请求时，支付处理器将支付数据传送到商家服务器。

8. 发明授权

US08706618B2 Release of funds based on criteria 有权
标题翻译：基于标准发放资金
公开(公告)号：US08706618B2
公开(公告)日：2014-04-22
申请号：US11238359
申请日：2005-09-29
申请人： Kevin John Yu , Joseph Chong , Alan Tien
发明人： Kevin John Yu , Joseph Chong , Alan Tien
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/102 , G06Q40/02
摘要： A method and system to transfer payment to a seller of a network-based commerce transaction are described herein. The method includes generating a risk model based on seller-specific criteria, and releasing funds from a holding account to the seller based on the risk model.
摘要翻译：这里描述了一种向基于网络的商业交易的卖方转移支付的方法和系统。该方法包括基于卖方特定的标准生成风险模型，并根据风险模型从持有账户向卖方发放资金。

9. 发明授权

US09542671B2 Method and system to facilitate securely processing a payment for an online transaction 有权
标题翻译：方便和系统，方便安全处理在线交易的付款
公开(公告)号：US09542671B2
公开(公告)日：2017-01-10
申请号：US10844863
申请日：2004-05-12
申请人： Alan Tien , Peter Zhe Chu , Ray Hideki Tanaka , Steve S. Chen
发明人： Alan Tien , Peter Zhe Chu , Ray Hideki Tanaka , Steve S. Chen
IPC分类号： G06Q20/00 , G06Q20/04 , G06Q20/12 , G06Q20/38 , G06Q30/06
CPC分类号： G06Q20/405 , G06Q20/04 , G06Q20/12 , G06Q20/382 , G06Q20/3823 , G06Q20/3829 , G06Q30/06
摘要： A computer-implemented method, to facilitate processing a payment for an online transaction, includes, responsive to receiving secure transaction data from a merchant server, using a payment processor to generate a transaction data identifier to identify the transaction data. The payment processor communicates the transaction data identifier to the merchant server. In response to receiving a request to process a payment, including the transaction data identifier, the payment processor requests user credentials from a user. Upon receiving user credentials from the user, the payment processor verifies the user credentials. The payment processor processes the payment and generates a payment identifier to identify payment data associated with the payment. The payment processor communicates the payment identifier to the merchant server. Upon receiving a request for payment data, including the payment identifier, over a secure communication channel from the merchant server, the payment processor communicates the payment data to the merchant server.
摘要翻译：计算机实现的方法，以便于处理在线交易的支付，包括响应于从商家服务器接收安全交易数据，使用支付处理器来生成交易数据标识符以识别交易数据。支付处理器将交易数据标识符传送到商家服务器。响应于接收到处理支付的请求（包括交易数据标识符），支付处理器从用户请求用户凭证。在从用户接收用户凭证时，支付处理器验证用户凭证。支付处理器处理支付并产生支付标识符以识别与支付相关联的支付数据。支付处理器将支付标识符传送给商家服务器。在通过来自商家服务器的安全通信信道接收到包括支付标识符的支付数据请求时，支付处理器将支付数据传送到商家服务器。

10. 发明申请

US20050171842A1 Method and system for incentivizing the promotion of a payment service 审中-公开
标题翻译：激励促销支付服务的方法和制度
公开(公告)号：US20050171842A1
公开(公告)日：2005-08-04
申请号：US10772530
申请日：2004-02-04
申请人： Alan Tien , Dave McClure
发明人： Alan Tien , Dave McClure
IPC分类号： G06Q30/00 , G06F17/60
CPC分类号： G06Q30/00 , G06Q30/0214
摘要： A method and an apparatus to incentivize a first party to refer a payment service to a second party. The method includes establishing an account for the second party, wherein the account is associated with one of a plurality of bonus programs and wherein the account is further associated with the first party; receiving a payment for the second party in the account; and automatically awarding a payout to the first party based on the payment to the account and the bonus program that is associated with the account.
摘要翻译：一种激励第一方将支付服务引用到第二方的方法和装置。所述方法包括建立第二方的帐户，其中所述帐户与多个奖励程序中的一个相关联，并且其中所述帐户进一步与所述第一方关联; 在帐户中接收第二方的付款; 并根据对账户的支付和与账户关联的奖励计划自动向第一方授予支票。

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