公开(公告)号：US20100094752A1

公开(公告)日：2010-04-15

申请号：US12575558

申请日：2009-10-08

申请人： Stephan HEATH

发明人： Stephan HEATH

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q20/3221 ,  G06Q20/102 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q40/02

摘要： A method and system for mobile banking and mobile payments is presented. A mobile device attempting a financial transactions receives an indication that the financial transaction has or has not been successfully completed via an electronic message and a unique “Financial Audio Communication System” (“FACM”) indication. A user of the mobile target device can determine whether the financial transaction has successfully completed or not by listening to the audio output generated from the FACM indication on the mobile target device and does not have to view textual information on the mobile target device.

摘要翻译： 介绍了移动银行和移动支付的方法和系统。 尝试金融交易的移动设备通过电子消息和独特的“金融音频通信系统”（“FACM”）指示接收到金融交易已经或尚未成功完成的指示。 移动目标设备的用户可以通过监听从移动目标设备上的FACM指示产生的音频输出来确定金融交易是否已成功完成，并且不必查看移动目标设备上的文本信息。

公开(公告)号：US20130268357A1

公开(公告)日：2013-10-10

申请号：US13712919

申请日：2012-12-12

申请人： Stephan HEATH

发明人： Stephan HEATH

IPC分类号： H04L29/06 ,  G06Q50/00

CPC分类号： H04L63/00 ,  G06Q10/10 ,  G06Q30/02 ,  G06Q50/01

摘要： A method, apparatus, computer readable medium, computer system, wireless or wired network, or system to provide an online and/or mobile security of a user's privacy and/or security method of internet or mobile access or system, apparatus, computer readable medium, or system using encryption technologies and/or filters to access data, encrypt and/or decrypt data, sync data, secure data storage and/or process data using cloud technology across many different networks and/or fiber optic communications from an endpoint accessed through multiple devices, browsers, operating systems, networks, servers, storage, software, applications or services integrated in a public cloud or a private cloud within an enterprise, a social network, big data analytics or electronic surveillance tracking or some mashup of two or more to prevent the unauthorized collecting, tracking and/or analysis of a user's personal data by a third party and/or for generating relevant advertising, mobile, internet social messaging, internet posted promotions or offers for products and/or services.

摘要翻译： 一种方法，装置，计算机可读介质，计算机系统，无线或有线网络或系统，用于提供用户的互联网或移动接入或系统的用户隐私和/或安全方法的在线和/或移动安全性，装置，计算机可读介质 或使用加密技术和/或过滤器来访问数据，加密和/或解密数据，同步数据，安全数据存储和/或使用云技术跨许多不同网络和/或光纤通信的系统，从通过 集成在企业内部的公有云或私有云中的多个设备，浏览器，操作系统，网络，服务器，存储，软件，应用程序或服务，社交网络，大数据分析或电子监控跟踪或两个或更多的混搭 以防止第三方对用户的个人数据的未经授权的收集，跟踪和/或分析和/或用于生成相关的广告，移动，互联网社交网络 传播，互联网发布促销活动或产品和/或服务的优惠。

公开(公告)号：US20130073366A1

公开(公告)日：2013-03-21

申请号：US13359498

申请日：2012-01-27

申请人： Stephan HEATH

发明人： Stephan HEATH

IPC分类号： G06Q30/02

CPC分类号： G06Q30/0259 ,  G06Q30/0261

摘要： Systems and methods are provided for combined social behavior tracking, online surveillance and web bot software technologies via a mobile device or computer for tracking online consumer behavior and data, cookies, embedded advertisements, predicting online consumer behavior, buying patterns by monitoring online activities, online communications, search inquiries, social networking, social plugins, social applications, advertisements, purchasing, behavior, and buying patterns, consumer address books and contact lists, blogs, chat rooms, friends, acquaintances and strangers, instant messaging, text chat, internet forum, service providers, travel and hospitality, real estate, educational services, ancillary services (as defined herein) and delivery system for behavior targeting and filtering of coupons, mobile services, products, goods and services, advertisements and service providers and related company information on a three dimensional geospatial platform using multi-dimensional and scalable geospatial mapping associated with entities providing and/or members of the service and/or social networking.

摘要翻译： 提供系统和方法，用于通过移动设备或计算机的组合的社交行为跟踪，在线监控和网络漫游器软件技术，用于跟踪在线消费者行为和数据，Cookie，嵌入式广告，通过在线活动监视在线消费者行为，购买模式，在线 通讯，搜索查询，社交网络，社交插件，社交应用程序，广告，购买，行为和购买模式，消费者通讯录和联系人列表，博客，聊天室，朋友，熟人和陌生人，即时消息，文本聊天，互联网论坛 ，服务提供商，旅游和酒店管理，房地产，教育服务，附属服务（如本文所定义）和针对和过滤优惠券，移动服务，产品，商品和服务，广告和服务提供商的行为以及相关公司信息的交付系统 一个使用多维和三维地理空间平台的三维地理空间平台 与提供和/或服务和/或社交网络的成员的实体相关联的可扩展地理空间映射。