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    System and Method for Securing Data Through a PDA Portal
    11.
    发明申请
    System and Method for Securing Data Through a PDA Portal 有权
    通过PDA门户保护数据的系统和方法

    公开(公告)号：US20090089581A1

    公开(公告)日：2009-04-02

    申请号：US12332248

    申请日：2008-12-10

    Applicant: Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

    Inventor： Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

    IPC: H04L9/32

    CPC classification number: G06Q20/20 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/02

    Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.

    Abstract translation: 消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。 在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。 该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。 为了接收信息，PDA联系门户并建立连接，对网络进行身份验证，并允许用户通过网络完成安全交易或传输。

    System and method for securing data through a PDA portal
    12.
    发明授权
    System and method for securing data through a PDA portal 有权
    通过PDA门户保护数据的系统和方法

    公开(公告)号：US07222101B2

    公开(公告)日：2007-05-22

    申请号：US10084744

    申请日：2002-02-26

    Applicant: Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

    Inventor： Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

    IPC: G06Q99/00 ,  H04K1/00 ,  H04L9/00

    CPC classification number: G06F21/606 ,  B01J23/6562 ,  B01J23/8913 ,  B01J37/0205 ,  B01J37/0226 ,  G06F21/6245 ,  G06Q30/02 ,  G06Q30/0226 ,  H04L63/0464 ,  H04L63/0485 ,  H04L63/083

    Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network, and allows the user to complete secured transactions or transmissions over the network.

    Abstract translation: 消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。 在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。 该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 PDA可以直接访问互联网网站门户，其提供来自内容提供商（例如在线银行或金融机构）的安全的个人内容。 使用网站门户，内容提供商可以在安全（例如，加密的）环境中向PDA用户提供诸如财务信息的个人或机密数据。 示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。 为了接收信息，PDA联系门户并建立连接，对网络进行认证，并允许用户通过网络完成安全交易或传输。

    System and method for rewards redemption with a mobile device
    15.
    发明授权
    System and method for rewards redemption with a mobile device 有权

    公开(公告)号：US10373188B1

    公开(公告)日：2019-08-06

    申请号：US12850345

    申请日：2010-08-04

    Applicant: Trey Neemann ,  Lee H. Gowen ,  Pavan K. Pemmaraju ,  Claudia Asgeirsson ,  Yuval Efrati ,  Mary O'Connell

    Inventor： Trey Neemann ,  Lee H. Gowen ,  Pavan K. Pemmaraju ,  Claudia Asgeirsson ,  Yuval Efrati ,  Mary O'Connell

    IPC: G06Q30/00 ,  G06Q30/02

    Abstract: A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.

    SYSTEM AND METHOD FOR SECURING DATA THROUGH A PDA PORTAL
    17.
    发明申请
    SYSTEM AND METHOD FOR SECURING DATA THROUGH A PDA PORTAL 有权
    通过PDA门禁来保护数据的系统和方法

    公开(公告)号：US20110271098A1

    公开(公告)日：2011-11-03

    申请号：US13181883

    申请日：2011-07-13

    Applicant: Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

    Inventor： Fred Bishop ,  Trey Neemann ,  Theodore S. Voltmer ,  Fauziah B. Ariff

    IPC: H04L9/32 ,  H04L9/00 ,  G06F15/16

    CPC classification number: G06Q20/20 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/387 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q40/02

    Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.

    Abstract translation: 消费者可以利用计算设备来协助购买和/或忠诚度过程，并且特别地，消费者可以使用PDA来促进购买和/或忠诚度过程。 在购买和/或忠诚度过程期间，消费者可能需要确保与PDA相关联地下载或使用的任何内容在如何被收集，组装和传送到PDA设备时是安全的。 该系统和方法将来自其源的数据确保为被授权用户实际查看或使用的数据。 示例性系统和方法可以建立到网站的PDA门户链接，用于收集用户的指定信息并将信息发送到远程设备。 为了接收信息，PDA联系门户并建立连接，对网络进行身份验证，并允许用户通过网络完成安全交易或传输。

    System and method for two-step payment transaction authorizations
    18.
    发明授权
    System and method for two-step payment transaction authorizations 有权
    用于两步付款交易授权的系统和方法

    公开(公告)号：US07431207B1

    公开(公告)日：2008-10-07

    申请号：US11031111

    申请日：2005-01-05

    Applicant: Trey Neemann ,  Fred Bishop ,  Michael Barrett ,  David Armes

    Inventor： Trey Neemann ,  Fred Bishop ,  Michael Barrett ,  David Armes

    IPC: G06K5/00

    CPC classification number: G06Q20/40 ,  G06Q20/10 ,  G06Q20/385 ,  G06Q30/0603

    Abstract: To process a commercial transaction, a merchant receives a card payment request from a customer. The merchant redirects the customer to the card issuer. The authorization computer of the card issuer communicates with the customer and authenticates the identity of the customer as the true cardholder of the card presented for payment. In a first embodiment, the merchant submits an authorization request in response to a card payment request to the authorization computer. The merchant receives an authorization confirmation from the authorization computer upon authentication of the identity of the cardholder. In a second embodiment, the customer receives an authorization confirmation from the authorization computer upon the authentication of the identity of the cardholder. The customer then submits the authorization confirmation to the merchant. The merchant, in turn, confirms the authorization confirmation with the authorization computer.

    Abstract translation: 为了处理商业交易，商家从客户接收卡付款请求。 商家将客户重定向到发卡机构。 发卡机构的授权计算机与客户进行通信，并将客户的身份认证为提供付款卡的真实持卡人。 在第一实施例中，商家向授权计算机提交响应于卡支付请求的授权请求。 验证持卡人的身份后，商家将从授权计算机收到授权确认。 在第二实施例中，客户在认证持卡人的身份时从授权计算机接收授权确认。 客户然后向商家提交授权确认。 反过来，商家确认授权计算机的授权确认。

    Method and computer program product for redeeming loyalty points in an online raffle
    19.
    发明申请
    Method and computer program product for redeeming loyalty points in an online raffle 审中-公开
    方法和计算机程序产品，用于在线抽奖中兑现积分

    公开(公告)号：US20070179839A1

    公开(公告)日：2007-08-02

    申请号：US11256951

    申请日：2005-10-25

    Applicant: Trey Neemann

    Inventor： Trey Neemann

    IPC: G06Q30/00

    CPC classification number: G06Q30/02 ,  G06Q30/0212 ,  G06Q30/0226 ,  G06Q30/0239

    Abstract: Methods and computer program products for performing an online auction are described. An embodiment of the present invention provides a computer-based method for performing an online raffle for an item, utilizing loyalty rewards points as currency. The method includes the following. Information about the item is displayed on a website. A request to enter the raffle, including an authorization to redeem a predetermined number of loyalty rewards points, is received from each interested customer. For each interested customer, the predetermined number of loyalty rewards points is redeemed. The interested customer that have the predetermined number of rewards points redeemed are entered as participants in the raffle. A winner is selected from the raffle participants.

    Abstract translation: 描述用于执行在线拍卖的方法和计算机程序产品。 本发明的一个实施例提供一种基于计算机的方法，用于以利用忠诚度奖励积分作为货币来执行项目的在线抽奖。 该方法包括以下。 有关该项目的信息显示在网站上。 从每个感兴趣的客户接收到进入抽奖的请求，包括赎回预定数量的忠诚奖励积分的授权。 对于每个感兴趣的客户，预定数量的忠诚奖励积分被兑换。 将具有预定数量的奖励积分的感兴趣的客户输入作为抽奖活动的参与者。 从抽奖参与者中选出优胜者。

    Deferred loyalty points redemption method
    20.
    发明申请
    Deferred loyalty points redemption method 审中-公开
    递延会员积分兑换方式

    公开(公告)号：US20060004629A1

    公开(公告)日：2006-01-05

    申请号：US10882815

    申请日：2004-07-01

    Applicant: Trey Neemann ,  Raymond Preston

    Inventor： Trey Neemann ,  Raymond Preston

    IPC: G06F17/00

    CPC classification number: G06Q30/0227 ,  G06Q30/02 ,  G06Q30/0212 ,  G06Q30/0213 ,  G06Q30/0226 ,  G06Q30/0233

    Abstract: On-line redemption of loyalty points over time for requested items. A request for an item is received from a customer along with an identification of a layaway program for redeeming a least a portion of the customer's loyalty points with respect to a purchase request for the item. Based upon the identified program, the customer's loyalty points are processed for redemption. The redemption programs can include making installment payments of loyalty points for purchase of the item, reserving a particular price for the item using the loyalty points, providing partial payment for the item using the loyalty points, automatically redeeming or transferring points over a particular amount, or pooling of points among multiple customers.

    Abstract translation: 在线请求物品的积分兑换积分。 从客户接收对项目的请求，以及关于用于兑换对于该项目的购买请求的客户的忠诚度点的至少一部分的外部程序的标识。 根据确定的方案，客户的积分将被处理以兑换。 兑换计划可以包括分期付款购买该项目的忠诚度积分，使用忠诚积分为该项目预留特定价格，使用忠诚积分提供项目的部分支付，在特定金额上自动兑换或转移点， 或多个客户之间的积分。

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