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    TRANSACTION INSTRUMENTS WITH ENHANCED SECURITY PIN AND EXPIRATION DATE GENERATION
    1.
    发明申请
    TRANSACTION INSTRUMENTS WITH ENHANCED SECURITY PIN AND EXPIRATION DATE GENERATION 有权
    具有增强安全密码和过期日期生成的交易仪器

    公开(公告)号：US20070284435A1

    公开(公告)日：2007-12-13

    申请号：US11422950

    申请日：2006-06-08

    Applicant: Keith Newbrough ,  Peter Robbins

    Inventor： Keith Newbrough ,  Peter Robbins

    IPC: G06K5/00

    CPC classification number: G07F7/10 ,  G06Q20/347 ,  G07F7/1008 ,  G07F7/1025 ,  G07F7/1075

    Abstract: The present invention generally relates to transaction instruments with enhanced expiration date and/or security personal identification number (PIN) generation. The enhanced security PIN generation may be usefully in connection with account information associated with the transaction instrument to verify and/or authenticate the transaction instrument. In certain aspects, the security PIN may be used in connection with account information associated with the transaction information to authenticate the transaction instrument via a synchronization-based authentication process or similar process. By way of example, the account information may be used as a static identifier to indicate identity of the transaction instrument, and the security PIN may be used to authenticate the identity of the transaction instrument.

    Abstract translation: 本发明一般涉及具有增强的到期日期和/或安全个人识别号码（PIN）生成的交易工具。 增强的安全PIN生成可以有用地与与交易工具相关联的帐户信息结合以验证和/或验证交易工具。 在某些方面，安全PIN可以结合与交易信息相关联的账户信息来使用，以经由基于同步的认证过程或类似过程来认证交易工具。 作为示例，帐户信息可以用作静态标识符来指示交易工具的身份，并且可以使用安全PIN来认证交易工具的身份。

    SYSTEMS AND METHODS FOR IMPLEMENTING A PRESENTATION INSTRUMENT BOOKMARK
    3.
    发明申请
    SYSTEMS AND METHODS FOR IMPLEMENTING A PRESENTATION INSTRUMENT BOOKMARK 审中-公开
    用于实施演示文书书签的系统和方法

    公开(公告)号：US20100051704A1

    公开(公告)日：2010-03-04

    申请号：US12203569

    申请日：2008-09-03

    Applicant: Keith Newbrough ,  Peter Robbins

    Inventor： Keith Newbrough ,  Peter Robbins

    IPC: G06K19/00

    CPC classification number: B42D9/005 ,  B42D25/00 ,  B42D25/305 ,  B42D2033/44 ,  B42P2241/18 ,  G06K19/041 ,  G06K19/0719

    Abstract: The invention provides various systems and methods for implementing a presentation instrument bookmark. The presentation instrument may include a first panel. The first panel may include an account identifying device configured to identify an account associated with the presentation instrument. The presentation instrument may also include a second panel sandwiched with the first panel. The second panel may include a thumb hole cutout configured to allow the presentation instrument to be used as a bookmark.

    Abstract translation: 本发明提供了用于实现演示文书书签的各种系统和方法。 演示文书可以包括第一面板。 第一面板可以包括被配置为识别与呈现工具相关联的帐户的帐户识别装置。 呈现仪器还可以包括夹在第一面板上的第二面板。 第二面板可以包括拇指孔切口，其构造成允许呈现工具用作书签。

    Data Element Specific Transaction Routing
    4.
    发明申请
    Data Element Specific Transaction Routing 有权
    数据元素特定事务路由

    公开(公告)号：US20090063291A1

    公开(公告)日：2009-03-05

    申请号：US11849670

    申请日：2007-09-04

    Applicant: Peter Robbins ,  Keith Newbrough

    Inventor： Peter Robbins ,  Keith Newbrough

    IPC: G06Q30/00 ,  G06Q20/00

    CPC classification number: G06Q20/10

    Abstract: Systems and methods for determining a least cost transaction scheme for a merchant is provided according to one embodiment of the invention. The least cost transaction scheme may be determined at a point of sale device or at a host computer system that communicates with a point of sale device. The least cost transaction scheme may depend on a standard industrial classification (SIC) code associated with the merchant and a transaction amount. In one embodiment the transaction amount and merchant ID is sent to a host computer system. Based on the merchant ID and the transaction amount the host computer system determines a fees for a plurality of transaction schemes. From the plurality of transaction schemes, a least cost transaction scheme is selected and a user is prompted to use the least cost transaction scheme to tender the transaction.

    Abstract translation: 根据本发明的一个实施例提供了用于确定商家的最小成本交易方案的系统和方法。 最小成本交易方案可以在销售点设备点或与销售点设备通信的主机系统中确定。 最小成本交易方案可以取决于与商家相关联的标准工业分类（SIC）代码和交易金额。 在一个实施例中，交易量和商家ID被发送到主计算机系统。 基于商家ID和交易金额，主计算机系统确定多个交易方案的费用。 从多个交易方案中，选择最小成本交易方案，并且提示用户使用最低成本交易方案来投标交易。

    Data element specific transaction routing
    5.
    发明授权
    Data element specific transaction routing 有权
    数据元素特定事务路由

    公开(公告)号：US08818879B2

    公开(公告)日：2014-08-26

    申请号：US11849670

    申请日：2007-09-04

    Applicant: Peter Robbins ,  Keith Newbrough

    Inventor： Peter Robbins ,  Keith Newbrough

    IPC: G06Q30/00

    CPC classification number: G06Q20/10

    Abstract: Systems and methods for determining a least cost transaction scheme for a merchant is provided according to one embodiment of the invention. The least cost transaction scheme may be determined at a point of sale device or at a host computer system that communicates with a point of sale device. The least cost transaction scheme may depend on a standard industrial classification (SIC) code associated with the merchant and a transaction amount. In one embodiment the transaction amount and merchant ID is sent to a host computer system. Based on the merchant ID and the transaction amount the host computer system determines a fees for a plurality of transaction schemes. From the plurality of transaction schemes, a least cost transaction scheme is selected and a user is prompted to use the least cost transaction scheme to tender the transaction.

    Abstract translation: 根据本发明的一个实施例提供了用于确定商家的最小成本交易方案的系统和方法。 最小成本交易方案可以在销售点设备点或与销售点设备通信的主机系统中确定。 最小成本交易方案可以取决于与商家相关联的标准工业分类（SIC）代码和交易金额。 在一个实施例中，交易量和商家ID被发送到主计算机系统。 基于商家ID和交易金额，主计算机系统确定多个交易方案的费用。 从多个交易方案中，选择最小成本交易方案，并且提示用户使用最低成本交易方案来投标交易。

    Transaction instruments with enhanced security PIN and expiration date generation
    6.
    发明授权
    Transaction instruments with enhanced security PIN and expiration date generation 有权
    具有增强的安全PIN码和到期日期生成的交易工具

    公开(公告)号：US07516885B2

    公开(公告)日：2009-04-14

    申请号：US11422950

    申请日：2006-06-08

    Applicant: Keith Newbrough ,  Peter Robbins

    Inventor： Keith Newbrough ,  Peter Robbins

    IPC: G06K5/00

    CPC classification number: G07F7/10 ,  G06Q20/347 ,  G07F7/1008 ,  G07F7/1025 ,  G07F7/1075

    Abstract: The present invention generally relates to transaction instruments with enhanced expiration date and/or security personal identification number (PIN) generation. The enhanced security PIN generation may be usefully in connection with account information associated with the transaction instrument to verify and/or authenticate the transaction instrument. In certain aspects, the security PIN may be used in connection with account information associated with the transaction information to authenticate the transaction instrument via a synchronization-based authentication process or similar process. By way of example, the account information may be used as a static identifier to indicate identity of the transaction instrument, and the security PIN may be used to authenticate the identity of the transaction instrument.

    Abstract translation: 本发明一般涉及具有增强的到期日期和/或安全个人识别号码（PIN）生成的交易工具。 增强的安全PIN生成可以有用地与与交易工具相关联的帐户信息结合以验证和/或验证交易工具。 在某些方面，安全PIN可以结合与交易信息相关联的账户信息来使用，以经由基于同步的认证过程或类似过程来认证交易工具。 作为示例，帐户信息可以用作静态标识符来指示交易工具的身份，并且可以使用安全PIN来认证交易工具的身份。

    HOSTED SERVICES WITH ACCOUNT SWITCHING FOR MULTIPLE USER ACCOUNTS IN A WEB BROWSER SESSION
    10.
    发明申请
    HOSTED SERVICES WITH ACCOUNT SWITCHING FOR MULTIPLE USER ACCOUNTS IN A WEB BROWSER SESSION 有权

    公开(公告)号：US20250106195A1

    公开(公告)日：2025-03-27

    申请号：US18372033

    申请日：2023-09-22

    Applicant: Peter Robbins

    Inventor： Peter Robbins

    IPC: H04L9/40

    Abstract: Embodiments include a method for hosting secure content between a host service and a client device. One example includes causing display of a graphical user interface on a browser application executing on the client device where the user interface includes a first tab associated with a first session between the browser application and the host service using a first account associated with a user and a second tab associated with a second session between the browser application and the host service using a second account associated with the user. In response to a user selection of the second tab while the first tab is displayed, receiving the first session token and a temporary account identifier, identifying a second token, using the temporary account identifier, and causing the browser application to display second secure content within the second tab associated with the second session.

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