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    SMS AND SOCIAL MEDIA DUAL AUTHORIZATION, MANAGEMENT OVERSIGHT, AND NON-PASSWORD SECURITY IN EMAIL BASED E-COMMERCE
    81.
    发明申请
    SMS AND SOCIAL MEDIA DUAL AUTHORIZATION, MANAGEMENT OVERSIGHT, AND NON-PASSWORD SECURITY IN EMAIL BASED E-COMMERCE 审中-公开
    短信和社会媒体双重授权，管理监督和基于电子邮件的电子商务中的非密码安全

    公开(公告)号：US20150310438A1

    公开(公告)日：2015-10-29

    申请号：US14695917

    申请日：2015-04-24

    Applicant: @PAY IP HOLDINGS LLC

    Inventor： James Kassemi ,  Lawrence Glen Holcomb ,  John P. Killoran, JR. ,  Patrick Killoran

    IPC: G06Q20/40 ,  G06Q20/16 ,  G06Q20/32 ,  G06Q20/02 ,  G06Q10/10

    CPC classification number: G06Q20/405 ,  G06Q10/107 ,  G06Q20/3255 ,  G06Q20/425

    Abstract: An email-based e-commerce system is disclosed with additional features for added security. The system may include security features for email based e-commerce providing added assurance to customers of a higher level of protection than generally required. These security features enhance the password reset function without requiring a password, generate confirmations on outside messaging systems and implement an oversight management tool for authorizing transactions. The methods and apparatus described herein may enhance security by designing a system that can confirm payments through a separate non-email based media. The e-commerce system may send alerts or requests for confirmation in a variety of media to ensure a secure payment process. The methods and apparatus described herein may expand the list of individuals that may request or approve payments based on a single account registered by a single credit card holder. A single user may receive requests from registered sub-customers for payments by email.

    Abstract translation: 公开了一种基于电子邮件的电子商务系统，具有附加功能以增加安全性。 该系统可以包括用于基于电子邮件的电子商务的安全特征，为客户提供比通常需要的更高级别的保护的附加保证。 这些安全功能可增强密码重置功能，无需密码，在外部邮件系统上生成确认信息，并实施授权交易的监督管理工具。 本文描述的方法和装置可以通过设计可以通过单独的基于非电子邮件的媒体来确认支付的系统来增强安全性。 电子商务系统可以在各种媒体中发送警报或确认请求，以确保安全的支付过程。 本文描述的方法和装置可以扩展可以基于由单个信用卡持有者注册的单个帐户请求或批准支付的个人的列表。 单个用户可以通过电子邮件收到注册子客户的付款请求。

    Cloud data storage access verification method utilizing a variable assigning request string generator and receiver algorithm
    83.
    发明授权
    Cloud data storage access verification method utilizing a variable assigning request string generator and receiver algorithm 有权
    云数据存储访问验证方法利用可变分配请求字符串生成器和接收器算法

    公开(公告)号：US09143500B1

    公开(公告)日：2015-09-22

    申请号：US14217253

    申请日：2014-03-17

    Applicant: Jeffrey S. Gibson

    Inventor： Jeffrey S. Gibson

    IPC: G06F21/00 ,  H04L29/06

    CPC classification number: G06Q20/3255 ,  G06Q20/3226 ,  G06Q20/3821 ,  G06Q20/4016 ,  G06Q30/06 ,  H04L63/08 ,  H04L63/10

    Abstract: A novel method of providing verifications for access to stored data programs within a cloud server protocol is provided. Such a method is operated through the implementation of a specific algorithm that permits a cloud server the means to communicate directly, reliably, safely, and nearly instantaneously with an individual (or his or her proxy) (at multiple contact points) for verification purposes in relation to an established data program stored within such a cloud server (whether in terms of written documentation, bank account, secure information, etc.). Such verifications may thus permit quick and reliable access to secured cloud programs such that only those individuals (or other entities) that are authenticated for such access through the utilization of such a verification procedure are permitted in such an instance.

    Abstract translation: 提供了一种提供用于访问云服务器协议中的存储的数据程序的验证的新颖方法。 这种方法通过实施允许云服务器将手段与个人（或其代理人）（在多个联络点）直接，可靠，安全和几乎瞬间通信的特定算法来进行操作，以用于验证目的 与存储在这样的云服务器内的既定数据程序的关系（无论是书面文件，银行帐户，安全信息等）。 因此，这种验证可以允许对安全的云计划的快速和可靠的访问，使得仅在通过这种验证过程被认证用于这种访问的那些个人（或其他实体）被允许的情况下。

    SECURE AUTHENTICATION AND PAYMENT SYSTEM
    85.
    发明申请
    SECURE AUTHENTICATION AND PAYMENT SYSTEM 审中-公开
    安全认证和付款制度

    公开(公告)号：US20150254661A1

    公开(公告)日：2015-09-10

    申请号：US14716519

    申请日：2015-05-19

    Applicant: PAYFONT LIMITED

    Inventor： David LANC

    IPC: G06Q20/40

    CPC classification number: G06Q20/40145 ,  G06Q20/102 ,  G06Q20/32 ,  G06Q20/325 ,  G06Q20/3255 ,  G06Q20/327 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q20/4014 ,  G06Q20/405 ,  G06Q20/409 ,  G06Q30/06

    Abstract: The present invention provides a service for allowing secure financial transactions to be carried out, the service involving authenticating a user's identity and/or status as part of a financial transaction with another party and in the event that the user is authenticated arranging for the transaction to be completed without revealing the user's financial details and/or other personal details to that other party. Authentication data and transaction data may be communicated over any suitable communications channel(s). The invention provides a trusted authentication and payment environment that protects a user's financial details, but allows them to be securely authenticated and arranges for transactions to be fulfilled, whilst providing other parties with reassurance that transactions will be completed. In this way, fraud and theft due to misappropriation of financial details can be minimized.

    Abstract translation: 本发明提供一种用于允许执行安全金融交易的服务，该服务涉及将用户的身份和/或状态作为与另一方的金融交易的一部分进行认证，并且在用户被认证安排交易的情况下 在不向用户披露用户的财务细节和/或其他个人信息的情况下完成。 认证数据和交易数据可以通过任何合适的通信信道进行通信。 本发明提供了一种可信赖的认证和支付环境，其保护用户的财务细节，但允许其被安全地认证并安排要实现的交易，同时向其他方保证交易将被完成。 以这种方式，可以最大限度地减少盗用和盗用财务细节。

    Payment processing
    86.
    发明授权
    Payment processing 有权
    付款处理

    公开(公告)号：US09111274B2

    公开(公告)日：2015-08-18

    申请号：US13504648

    申请日：2011-04-28

    Applicant: Anders Wikander

    Inventor： Anders Wikander

    IPC: G06Q30/00 ,  G06Q20/32 ,  G06Q20/12 ,  G06Q20/20 ,  G07F17/24

    CPC classification number: G06Q20/3255 ,  G06Q20/127 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/3278 ,  G07F17/24

    Abstract: A system may include a communication interface configured to communicate with a mobile device and processing logic. The processing logic may be configured to receive authorization from the mobile device, when the mobile device is located proximate to the system, for a first payment for a good or service, and transmit a communication to the mobile device subsequent to receiving the authorization from the mobile device, where the communication is transmitted when the mobile device is not located proximate to the system. The processing logic may further be configured to receive authorization from the mobile device for a second payment in response to the communication.

    Abstract translation: 系统可以包括被配置为与移动设备和处理逻辑通信的通信接口。 处理逻辑可以被配置为当移动设备位于系统附近时，从移动设备接收用于商品或服务的第一支付的授权，并且在从所述移动设备接收到来自所述移动设备的授权之后，向所述移动设备发送通信 移动设备，其中当移动设备不位于靠近系统时传送通信。 处理逻辑还可以被配置为响应于该通信而从移动设备接收用于第二次支付的授权。

    AUTHENTICATION METHOD AND SYSTEM
    88.
    发明申请
    AUTHENTICATION METHOD AND SYSTEM 审中-公开
    认证方法与系统

    公开(公告)号：US20150206126A1

    公开(公告)日：2015-07-23

    申请号：US14421631

    申请日：2013-08-16

    Applicant: CARGONIS GmbH ,  ROCKHARD BUSINESS CONCEPTS AND CONSULTING CC

    Inventor： Friedrich Christoph Zeinecker

    IPC: G06Q20/32 ,  G06Q20/40 ,  H04W12/06

    CPC classification number: G06Q20/3255 ,  G06Q20/4014 ,  H04L63/0853 ,  H04L63/18 ,  H04W12/06

    Abstract: A method and a system authenticate an identity of an entity or a user (16) transacting with a remotely accessible transaction host (10). A first message (32), encoded using a first transaction verification code, including a verification response address associated with the transaction host, is transmitted over a first communication channel (20) to a remote client device (18). A verification response number (address) is provided for communication from a remote communication device (22) with the transaction host over a second communication channel (26) with a second message (36) encoded by using a second transaction verification. The first and second transaction verification codes are compared. The identity of an entity or a user having transmitted the second message is authenticated, if the second message, received by the transaction host at the verification response address, has the second transaction verification code correspond to the first transaction verification code.

    Abstract translation: 一种方法和系统认证与可远程访问的交易主机（10）进行交易的实体或用户（16）的身份。 使用包括与交易主机相关联的验证响应地址的第一交易验证码进行编码的第一消息（32）通过第一通信信道（20）发送到远程客户端设备（18）。 提供验证响应号码（地址）用于通过第二通信信道（26）从远程通信设备（22）与交易主机通信，其中第二消息（36）通过使用第二交易验证进行编码。 比较第一和第二交易验证码。 如果交易主机在验证响应地址处接收到的第二消息具有第二交易验证码对应于第一交易验证码，则已经发送了第二消息的实体或用户的身份被认证。

    METHOD AND APPARATUS FOR CREATING AND SENDING A CODE GRID TO A PORTABLE COMMUNICATION DEVICE
    90.
    发明申请
    METHOD AND APPARATUS FOR CREATING AND SENDING A CODE GRID TO A PORTABLE COMMUNICATION DEVICE 审中-公开
    用于创建和发送代码到便携式通信设备的方法和装置

    公开(公告)号：US20150178717A1

    公开(公告)日：2015-06-25

    申请号：US14566087

    申请日：2014-12-10

    Applicant: Mobill Scandinavia AB

    Inventor： Drago BORAS ,  Denis PETEH

    IPC: G06Q20/32

    CPC classification number: G06Q20/3274 ,  G06Q20/045 ,  G06Q20/32 ,  G06Q20/3255 ,  G06Q30/04 ,  G06Q30/0601

    Abstract: A method and apparatus for sending a code grid representing an indication of payment for a good or service from a service provider (107), to a customer's portable communication device (101) using SMS messaging is disclosed. In response to receiving a request from a customer to purchase good or service, the code grid is created. The code grid is then sent to the customer's portable communication device in a SMS message.

    Abstract translation: 公开了一种方法和装置，用于使用SMS消息发送代表来自服务提供商（107）的商品或服务的支付指示的代码网格到客户的便携式通信设备（101）。 响应于接收到客户购买商品或服务的请求，创建代码网格。 然后，代码网格以SMS消息发送到客户的便携式通信设备。

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