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1. 发明授权

US07100044B2 Public key certificate using system, public key certificate using method, information processing apparatus, and program providing medium 失效
公开(公告)号：US07100044B2
公开(公告)日：2006-08-29
申请号：US09941898
申请日：2001-08-29
申请人： Hideaki Watanabe , Yoshihito Ishibashi , Shinako Matsuyama , Ichiro Futamura , Masashi Kon
发明人： Hideaki Watanabe , Yoshihito Ishibashi , Shinako Matsuyama , Ichiro Futamura , Masashi Kon
IPC分类号： H04L9/00 , H04K1/00 , G06F7/04 , G06F15/30
CPC分类号： H04L9/3231 , H04L9/3268 , H04L9/3273 , H04L2209/56 , H04L2209/60
摘要： In a public key certificate using system, a template which serves as person identification data of a person requesting a public key certificate is obtained from a person identification certificate of the person, a person authentication is executed by comparing sampling information of the person against the template, and a public key certificate for the person is issued by a certificate authority on condition that the person authentication is established, thus reducing the load on the certificate authority for person authentication. The public key certificate issued to the user is deleted upon completion of a processing session involving use of the public key certificate, restricting the use of the public key certificate to the particular processing session.

2. 发明授权

US6167384A Augmented system and methods for computing to support fractional contingent interests in property 有权
$Augmented system and methods for computing to support fractional contingent interests in property$
标题翻译：增强的系统和计算方法，以支持财产中的或有兴趣的部分
公开(公告)号：US6167384A
公开(公告)日：2000-12-26
申请号：US145341
申请日：1998-09-01
申请人： Richard A. Graff
发明人： Richard A. Graff
IPC分类号： G06Q20/36 , G06Q30/06 , G06Q40/00 , G07F7/00 , G07F7/08 , G07F17/20 , G06F15/30
CPC分类号： G07F17/0014 , G06Q20/363 , G06Q30/0645 , G06Q40/00 , G06Q40/08 , G07F7/0866 , G07F17/20
摘要： A computer system, and methods for making and using it, for changing digital electrical signals to generate a valuation of a fractional interest in a contingent interest in property, the computer apparatus including: an input device operable for converting input data representing property into input digital electrical signals representing the input data; a digital electrical computer having a processor, the processor electrically connected to the input device to receive the input digital electrical signals, the processor programmed to change the input digital electrical signals to produce modified digital electrical signals representing a valuation of a fractional interest in a contingent interest in the property associated with at least one lease default condition for the property; a memory electrically connected to the processor, and wherein: the processor manipulates further digital electrical signals to generate at least one document for the contingent interest by inserting the valuation in preexisting text data obtained from the memory; and an output device electrically connected to the processor to print the document.
摘要翻译：一种计算机系统及其制造和使用方法，用于改变数字电信号以产生对属性的或有兴趣的分数兴趣的估值，所述计算机装置包括：输入装置，可操作用于将表示属性的输入数据转换为输入数字表示输入数据的电信号; 具有处理器的数字电子计算机，所述处理器电连接到所述输入设备以接收所述输入数字电信号，所述处理器被编程为改变所述输入的数字电信号，以产生修改的数字电信号，所述经修改的数字电信号表示所述部队中的分数兴趣的估值与该财产的至少一个租赁违约条件相关的财产的权益; 存储器，其电连接到所述处理器，并且其中：所述处理器通过将所述估值插入从所述存储器获得的预先存在的文本数据中来操纵另外的数字电信号以产生所述有意义的至少一个文档; 以及电连接到处理器以打印文档的输出设备。

3. 发明授权

US6105005A System for enhanced financial trading support 失效
标题翻译：增强金融交易支持体系
公开(公告)号：US6105005A
公开(公告)日：2000-08-15
申请号：US993382
申请日：1997-12-18
申请人： Evelyn Fuhrer
发明人： Evelyn Fuhrer
IPC分类号： G06Q40/00 , G06F15/30 , G06F17/60
CPC分类号： G06Q40/04 , G06Q40/00
摘要： A multi-purpose data processing system that is capable of going on-line to provide an operative link with established financial markets in support of subscriber trading. The system has two modes of operation. A first mode is directed to support for financial transactions or services that are necessary, but not critical. The second mode addresses a lost trading link from a primary trading system pursuant to a catastrophic event, and provides a remote trading platform to a plurality of pre-select traders. The second mode is accessible via disaster declaration, and the system permits custom terminal configuration in accordance with designated traders. Operation allows quick assess to markets when the primary market link outlet is down.
摘要翻译：一种多用途数据处理系统，能够在线提供与建立的金融市场的操作链接，以支持用户交易。该系统具有两种操作模式。第一种模式旨在支持必要的金融交易或服务，但不是关键。第二种模式解决了主要交易系统根据灾难性事件造成的交易链路丢失，并向多个预先选择的交易者提供远程交易平台。第二种模式可通过灾难声明访问，系统允许根据指定的交易者定制终端配置。当主要市场链接出口关闭时，操作可以快速评估市场。

4. 发明授权

US6058382A Electronic money holding device utilizing an automatic payment method 失效
标题翻译：使用自动支付方式的电子货币保持装置
公开(公告)号：US6058382A
公开(公告)日：2000-05-02
申请号：US927671
申请日：1997-09-10
申请人： Shinichi Kasai , Kazuhiro Kawashima
发明人： Shinichi Kasai , Kazuhiro Kawashima
IPC分类号： G07G1/06 , G06Q20/00 , G06Q20/04 , G06Q20/06 , G06Q20/10 , G06Q20/30 , G06Q20/34 , G06Q20/36 , G06Q20/40 , G06Q40/00 , G06Q40/04 , G07F7/08 , G07F7/10 , G07G1/12 , G06F15/30
CPC分类号： G07F7/1008 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/341 , G06Q20/363 , G06Q20/4093 , G07F7/0866
摘要： An electronic money holding device has a first storage unit for storing a uniquely assigned identification number and an amount of held electronic money, a processor for controlling the reference to and the updating of the amount of held electronic money and the transfer of electronic money between the electronic money holding device and another electronic money holding device, and a second storage unit for storing information of service providers concluding sales contracts with a possessor of the electronic money holding device and payment information of each sales contract.
摘要翻译：电子货币保持装置具有第一存储单元，用于存储唯一分配的识别号码和持有的电子货币的数量，用于控制所持有的电子货币的数量的参考和更新的处理器以及电子货币的转移电子货币保持装置和另一个电子货币保持装置，以及第二存储单元，用于存储与电子货币保持装置的所有者签订销售合同的服务提供商的信息和每个销售合同的支付信息。

5. 发明授权

US5991750A System and method for pre-authorization of individual account transactions 失效
标题翻译：个人账户交易预授权的系统和方法
公开(公告)号：US5991750A
公开(公告)日：1999-11-23
申请号：US957419
申请日：1997-10-24
申请人： Craig Watson
发明人： Craig Watson
IPC分类号： G06Q20/00 , G07F7/08 , G06K5/00 , G06F15/30
CPC分类号： G07F7/08 , G06Q20/00 , G06Q20/04 , G06Q20/40 , G06Q20/403 , G06Q20/4037 , G06Q40/02 , G06Q40/025 , G06Q50/22
摘要： An account processing method and system for providing specific pre-authorization parameters for categories of transactions that would otherwise be completely denied authorization using only general authorization parameters. Upon establishment of an account, certain categories of transactions are specified as needing specific authorization prior to approving the transaction as requested by a merchant. An account issuer provides a service to account members that permits an account manager to independently specify the parametric conditions under which to approve a transaction within such categories. The account manager may also specify a transaction identifier such as a purchase order, work order or insurance claim number to associate with the required transaction parameters. Upon the approval of such a transaction requiring specific authorization, the authorizing agent during the billing process forwards both the transaction-specific information such as transaction amount and merchant information with the transaction identifier as previously assigned by the account manager. Such an association of a transaction identifier facilitates accounting reconciliation of transactions funded through credit card-like payment transactions.
摘要翻译：一种帐户处理方法和系统，用于为交易类别提供特定的预授权参数，否则将仅使用通用授权参数完全拒绝授权。在建立账户后，某些类别的交易在根据商家的要求批准交易之前被指定为需要特定的授权。帐户发行人向帐户成员提供服务，允许客户经理独立地指定在此类别内批准交易的参数条件。客户经理还可以指定交易标识符，例如采购订单，工单或保险索赔号码，以与所需的交易参数相关联。在批准这种需要特定授权的交易之后，授权代理在结算过程中将诸如交易金额和商家信息之类的特定交易信息与由客户经理先前分配的交易标识符进行转发。交易标识符的这种关联有利于通过类似信用卡的支付交易资助的交易的会计核算。

6. 发明授权

US5940813A Process facility management matrix and system and method for performing batch, processing in an on-line environment 失效
标题翻译：流程设备管理矩阵，系统和方法，用于在在线环境中执行批处理
公开(公告)号：US5940813A
公开(公告)日：1999-08-17
申请号：US686524
申请日：1996-07-26
申请人： Thomas A. Hutchings
发明人： Thomas A. Hutchings
IPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/20 , G06F17/60 , H04M1/274 , G06F15/30 , H06K11/10
CPC分类号： G06Q40/02 , G06Q20/042 , G06Q20/102 , G06Q20/1085 , G06Q20/202 , G06Q20/204 , G06Q40/025
摘要： A processing system and method receive batch payment data from a plurality of different sources, such as lock-boxes, an ATM or customer activated terminal, an enhanced telephone, a bank teller, or a personal computer. The batch payment data is converted into individual transaction data for on-line processing and is sent to a temporary payment queue. A transaction mover places the data from the queue to a transaction queue and a transaction router subsequently assigns the transactions to available drivers. Each driver processes the payment data and makes appropriate account information updates to a set of master files. A transaction handler coordinates the control of the transaction mover as well as the control of the transaction router. The system operates in conjunction with on-line operations, such as customer service and other mortgage services, and has a transaction handler monitor which controls the speed of processing so that on-line operations can continue during the processing of the payment data. Since the updates to the master files to reflect the received payment data occur during normal operating hours and not at the end of the day, delays in updating account information can be significantly reduced. The speed control offered by the handler monitor enables the system and method to balance the processing of the received batch data with normal CICS activity.
摘要翻译：处理系统和方法从诸如锁定盒，ATM或客户激活终端，增强型电话，银行柜员或个人计算机的多个不同的源接收批量支付数据。批量支付数据被转换为单独的交易数据用于在线处理，并被发送到临时支付队列。事务移动器将数据从队列放置到事务队列，事务路由器随后将事务分配给可用的驱动程序。每个驱动程序处理支付数据，并对一组主文件进行适当的帐户信息更新。事务处理程序协调事务移动器的控制以及事务路由器的控制。该系统与在线操作（例如客户服务和其他抵押服务）一起运行，并且具有控制处理速度的事务处理程序监视器，以便在处理支付数据期间在线操作可以继续。由于主文件的更新以反映接收到的支付数据，所以在正常运行时间而不是在一天结束时，可以显着减少更新帐户信息的延迟。处理程序监视器提供的速度控制使系统和方法能够平衡收到的批处理数据与正常CICS活动的处理。

7. 发明授权

US5917168A System and method for revaluation of stored tokens in IC cards 失效
标题翻译： IC卡中存储的令牌重新估价的系统和方法
公开(公告)号：US5917168A
公开(公告)日：1999-06-29
申请号：US578718
申请日：1996-04-18
申请人： Lance S. Nakamura , Alan B. Roberts , John F. Sheets
发明人： Lance S. Nakamura , Alan B. Roberts , John F. Sheets
IPC分类号： G06Q20/34 , G06Q20/36 , G07F7/08 , G06F15/30
CPC分类号： G07F7/0866 , G06Q20/3572 , G06Q20/363 , G07F11/002
摘要： A terminal for carrying out at a private location a transaction consisting of alteration of a token value stored in an IC card issued to a cardholder via an on-line transaction session with an operatively compatible terminal at a remote location. The private terminal establishes data links with the IC card and the remote terminal and passes secure authentication and transaction messages between them via these data links, relying on the IC card and the remote terminal for message security.
摘要翻译： PCT No.PCT / US94 / 06031 Sec。 371日期：1996年4月18日 102（e）1996年4月18日PCT 1994年6月2日PCT公布。出版物WO94 / 28498 日期1994年12月8日一种用于在私人位置执行的交易，包括通过在远程位置与可操作地兼容的终端通过在线交易会话，存储在发卡到持卡人的IC卡中的令牌值的改变。专用终端与IC卡和远程终端建立数据链路，并通过这些数据链路，依靠IC卡和远程终端进行安全认证和交易消息的消息安全。

8. 发明授权

US5895456A Onboard currency and value card exchanger 失效
标题翻译：板载货币和价值卡交换机
公开(公告)号：US5895456A
公开(公告)日：1999-04-20
申请号：US714560
申请日：1996-09-16
申请人： Ivor Donald Beale , Dau Ngoc Hoang , John Hill Wetzel , Thomas Marks Lee
发明人： Ivor Donald Beale , Dau Ngoc Hoang , John Hill Wetzel , Thomas Marks Lee
IPC分类号： G07F19/00 , G06Q20/10 , G06Q20/34 , G06Q20/38 , G07F7/00 , G07F7/02 , G07F7/10 , G06F15/30
CPC分类号： G07F7/02 , G06Q20/10 , G06Q20/108 , G06Q20/343 , G06Q20/381 , G07F7/00
摘要： A system, and corresponding method for its use, for performing various monetary transactions in a vehicle such as an aircraft, including exchanging one currency for another, obtaining currency using traveler's checks or a credit or debit card, and dispensing value cards purchased with cash or credit/debit cards. The value cards may be, for example, long-distance telephone usage cards or gaming cards, and the value cards may be increased in value or exchanged for cash using the system of the invention. A key feature of the system is that cash is always distributed in the currency of the next destination of the aircraft, as determined from flight management system data available on the aircraft. At each intermediate destination, a note dispenser is conditioned to dispense only the currency of the next destination.
摘要翻译：一种系统及其使用的相应方法，用于在诸如飞行器的车辆中执行各种货币交易，包括为另一种交换一种货币，使用旅行支票或信用卡或借记卡获得货币，以及分配以现金购买的价值卡或信用卡/借记卡。价值卡可以是例如长途电话使用卡或游戏卡，并且价值卡可以使用本发明的系统增加价值或交换现金。该系统的一个关键特征是，根据飞机上可用的飞行管理系统数据确定，现金总是以飞机下一个目的地的货币分配。在每个中间目的地，纸币分配器被调节为仅分配下一个目的地的货币。

9. 发明授权

US5801365A Fund raising by discounted collection on special issue checks 失效
标题翻译：通过特别问题检查的折扣收集筹集资金
公开(公告)号：US5801365A
公开(公告)日：1998-09-01
申请号：US676423
申请日：1996-07-08
申请人： Richard B. Katz
发明人： Richard B. Katz
IPC分类号： G06Q20/04 , G06Q30/02 , G06F15/30
CPC分类号： G06Q30/0279 , G06Q20/04 , G06Q20/042
摘要： A method of fund raising for a non-profit organization by discounted collection on special issue checks includes collecting funds from members of the organization and depositing the funds in an account in a bank, issuing special checks backed by the funds to the members, use of the checks at face value by the members to purchase goods or services from the participating merchants, clearing of the checks back to the bank on which they are drawn, and payment on the checks to the named payee merchants at the face value minus a prearranged discount. The checks are MICR encoded with a discount value prior to presentation for collection. The discount is credited to the organization minus any service fees required by the bank or clearing process and a share of the discount to an intermediary company which negotiates cooperation of the bank and acceptance of the checks at face value and discounted collection by the merchants.
摘要翻译：非营利组织通过特殊问题支票打折收费筹集资金的办法，包括从组织成员收集资金，将资金存入银行账户，发放资金支持特别支票给会员，使用会员以面值的方式从参与商家购买商品或服务的支票，将支票退回银行，并将支票支付给指定的收款人商户，面值减去预先安排的折扣。支票是MICR编码与折扣价值之前提交收集。该折扣贷记给组织减去银行或结算过程所需的服务费用以及与中介公司的折扣份额，该中介公司协商银行合作，并以面值接受支票和商家的折扣收取。

10. 发明授权

US5691524A Electronic check presentment system having a non-ECP exceptions notification system incorporated therein 失效
标题翻译：具有并入其中的非ECP异常通知系统的电子支票呈现系统
公开(公告)号：US5691524A
公开(公告)日：1997-11-25
申请号：US648482
申请日：1996-05-15
申请人： Stanley M. Josephson
发明人： Stanley M. Josephson
IPC分类号： G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/14 , H04L29/06 , H04L29/08 , G06F17/60 , G06F15/30
CPC分类号： G06Q40/02 , G06Q20/02 , G06Q20/04 , G06Q20/0425 , G06Q20/102 , G06Q20/108 , G06Q20/14 , H04L29/06 , H04L69/329
摘要： Disclosed are an improved electronic check presentment ("ECP") system having a non-ECP exceptions notification system incorporated therein and a method of electronically communicating data pertaining to non-ECP exceptions. The method, for use by a presenting bank and a payor bank having check presentment systems between which data related to checks may be electronically transmitted, comprises the steps of: (1) electronically transmitting, from the presenting bank to the payor bank, predetermined presentment information relating to the checks and permitting a determination by the payor bank as to which of the checks are properly payable by the payor bank, (2) comparing records of an exceptions file with records of a receive control file, the exceptions file capable of containing records subject to both ECP and non-ECP exceptions to thereby produce an electronic file of the which of the checks are properly payable by the payor bank and (3) electronically transmitting the electronic file to the presenting bank to thereby provide advance electronic return notification of both ECP and non-ECP exceptions to checks presented by the presenting bank to the payor bank.
摘要翻译：公开了一种具有并入其中的非ECP异常通知系统的改进的电子支票呈现（“ECP”）系统，以及电子地传送与非ECP异常有关的数据的方法。提供银行和付款人银行使用的方法可以用电子方式传送与检查有关的数据的检查呈现系统，包括以下步骤：（1）从呈现银行向付款人银行电子地传送预定的呈现有关支票和允许付款人银行确定付款人银行适当支付的支票的信息，（2）将异常文件的记录与接收控制文件的记录进行比较，能够包含的例外文件记录受ECP和非ECP例外的影响，从而生成由付款人银行正确支付哪一笔支票的电子档案;（3）将电子档案电子发送至提款银行，从而提供提前电子退款通知 ECP和非ECP例外，由提款银行向付款银行提供的支票。

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