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1. 发明申请

US20130006861A1 Verification of a Financial Instrument Allowing Rules-Based Pre-Acceptance Use of the Financial Instrument 审中-公开
标题翻译：验证金融工具允许基于规则的预先接受使用金融工具
公开(公告)号：US20130006861A1
公开(公告)日：2013-01-03
申请号：US13538679
申请日：2012-06-29
申请人： Randal A. McCoy , James G. Magers
发明人： Randal A. McCoy , James G. Magers
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10
摘要： A method of verifying authority of a customer to use a financial instrument, includes initiating one or more transactions using a financial instrument identified by a customer. One or more attributes of the initiated one or more transactions are stored. A determination is made as to whether or not a further financial transaction using the identified financial instrument, requested by the customer prior to acceptance of the use of the financial instrument, complies with pre-acceptance transaction rules. The further transaction is initiated only if it is determined to comply with the pre-acceptance transaction rules. One or more proffered attributes are received, typically from the customer. The received proffered attributes are compared to the stored attributes. Use of the financial instrument by the customer is then accepted if the received proffered attributes correspond to the stored attributes.
摘要翻译：验证客户使用金融工具的权限的方法包括使用客户识别的金融工具启动一个或多个交易。存储发起的一个或多个事务的一个或多个属性。确定在接受使用金融工具之前，客户要求的所识别的金融工具的进一步金融交易是否符合预先接受交易规则。仅当确定符合预先接受交易规则时才启动进一步的交易。收到一个或多个提供的属性，通常来自客户。将接收到的提供的属性与存储的属性进行比较。如果接收到的提供的属性对应于存储的属性，则接受客户使用金融工具。

2. 发明授权

US08073773B2 Technique for identifying probable billers of a consumer 有权
标题翻译：用于识别消费者可能发现的广告者的技术
公开(公告)号：US08073773B2
公开(公告)日：2011-12-06
申请号：US10397834
申请日：2003-03-27
申请人： Casey W. Kozee , Teri W. Bemis , William R. McMichael
发明人： Casey W. Kozee , Teri W. Bemis , William R. McMichael
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G07F7/00
摘要： A technique for identifying a candidate electronic biller having bills available for electronic presentment to a consumer is provided. An electronic commerce service provider receives location information of a first consumer. The service provider accesses information associated with providing a payment service to a second consumer located near the first consumer. This accessing is based on the received location information. At least one potential biller of the first consumer is identified in the accessed information.
摘要翻译：提供了一种用于识别具有可用于向消费者进行电子呈现的票据的候选电子账单的技术。电子商务服务提供者接收第一消费者的位置信息。服务提供者将与提供支付服务相关联的信息接入位于第一消费者附近的第二消费者。这种访问是基于接收到的位置信息。在访问的信息中识别出第一个消费者的至少一个潜在的收件者。

3. 发明授权

US07996311B2 Remittance payment processing with account scheming and/or validation 有权
标题翻译：汇款支付处理与账户计划和/或验证
公开(公告)号：US07996311B2
公开(公告)日：2011-08-09
申请号：US12361289
申请日：2009-01-28
申请人： David Lee Garrison , Patricia A. Kight , Brad Perkins , Cheryl Lynn Ward , Mary Elizabeth Lawson , Amy Lynn Kerin
发明人： David Lee Garrison , Patricia A. Kight , Brad Perkins , Cheryl Lynn Ward , Mary Elizabeth Lawson , Amy Lynn Kerin
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q20/385 , G06Q40/00 , Y10S707/99931
摘要： Systems and methods of remittance processing where a merchant database is provided that includes one or more alteration rules that are associated with a particular payee. A consumer account number associated with a payor is received and altered into a modified consumer account number, where the alteration is performed in accordance with one or more of the stored alteration rules. The modified consumer account number may then be transmitted to the particular payee to be utilized, for example, when processing a payment.
摘要翻译：提供商业数据库的汇款处理的系统和方法，其包括与特定收款人相关联的一个或多个变更规则。与付款人相关联的消费者帐号被接收并改变为经修改的消费者帐号，其中根据所存储的一个或多个变更规则执行所述更改。然后，经修改的消费者帐号可以被传送到特定收款人以被使用，例如在处理支付时。

4. 发明申请

US20110145116A1 SYSTEMS AND METHODS FOR GENERATING PAYMENT DUE NOTIFICATIONS 有权
标题翻译：用于产生付款通知的系统和方法
公开(公告)号：US20110145116A1
公开(公告)日：2011-06-16
申请号：US13033040
申请日：2011-02-23
申请人： Mary Elizabeth Lawson , Cheryl L. Ward , Hans Dreyer
发明人： Mary Elizabeth Lawson , Cheryl L. Ward , Hans Dreyer
IPC分类号： G06Q30/00
CPC分类号： G06Q20/102 , G06Q20/10 , G06Q20/108 , G06Q30/0203 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for generating payment due notifications are provided. A payor and a payee of the payor may be identified by a payment service provider system. At least one notification control parameter associated with communicating payment due notifications to the payor may be identified. Based at least in part upon evaluating a payment history associated with one or more payments made to the payee on behalf of the payor, a payment frequency pattern may be determined. Based at least in part on a portion of the payment history and the determined payment frequency pattern, a next expected payment date may be calculated. In accordance with the at least one notification control parameter, a payment due notification including an identity of the payee and the next expected payment date may be generated. The payment due notification may be transmitted to the payor.
摘要翻译：提供了用于生成付款通知的系统和方法。付款人的付款人和收款人可以由支付服务提供者系统来识别。可以识别与向付款人传送支付到期通知相关联的至少一个通知控制参数。至少部分地基于评估与代表付款人对收款人所做的一个或多个付款相关联的支付历史，可以确定支付频率模式。至少部分地基于支付历史的一部分和确定的支付频率模式，可以计算下一个预期支付日期。根据至少一个通知控制参数，可以生成包括收款人的身份和下一个预期支付日期的支付到期通知。付款到期通知可以传送给付款人。

5. 发明授权

US07702583B1 Payment processing with selection of an electronic debiting option 有权
标题翻译：选择电子借记选项的付款处理
公开(公告)号：US07702583B1
公开(公告)日：2010-04-20
申请号：US10631972
申请日：2003-08-01
申请人： Daniel Lee Hamilton , William Richard McMichael, Jr. , Esther J. Pigg , Cathy E. Webber , Hans D. Dreyer
发明人： Daniel Lee Hamilton , William Richard McMichael, Jr. , Esther J. Pigg , Cathy E. Webber , Hans D. Dreyer
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/102 , G06Q20/405
摘要： A technique for making a payment to a payee on behalf of a payor by a payment service provider is provider. The service provider identifies those of multiple electronic debiting options available for completing a payment request. One of the identified options is selected and a payment account of the payee is electronically debited according to the selected option.
摘要翻译：由支付服务提供商代表付款人向收款人付款的技术是提供商。服务提供商识别可用于完成付款请求的多个电子借记选项。选择一个已识别的选项，并根据选定的选项以电子方式借记收款人的付款帐户。

6. 发明授权

US07395243B1 Technique for presenting matched billers to a consumer 失效
标题翻译：向消费者呈现匹配的广告者的技术
公开(公告)号：US07395243B1
公开(公告)日：2008-07-01
申请号：US10285662
申请日：2002-11-01
申请人： William D. Zielke , John J. Frech , Teri W. Bemis , Donald K. Hobday, Jr. , Mark T. Harris , Hans D. Dreyer , Randal A. McCoy
发明人： William D. Zielke , John J. Frech , Teri W. Bemis , Donald K. Hobday, Jr. , Mark T. Harris , Hans D. Dreyer , Randal A. McCoy
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/10 , G06Q20/102
摘要： A technique for identifying a consumer's electronic billers in which the consumer does not identify billers is provided. The consumer transmits, from a consumer station, a request for a service provider to identify his or her electronic billers. This request includes information identifying the consumer, but excludes any information identifying any biller. In response to the transmitted request, the consumer receives, at the consumer station, a listing of one or more electronic billers of the consumer. That is, these are electronic billers with which the consumer has a relationship. Also, the consumer has not previously requested to the service provider to electronically present bills of any of the electronic billers included in the listing.
摘要翻译：提供了一种用于识别消费者不识别用户的电子帐户的技术。消费者从消费者站传送服务提供商的请求以识别他或她的电子帐户。该请求包括识别消费者的信息，但不包括任何识别任何收件人的信息。响应于所发送的请求，消费者在消费者站处接收消费者的一个或多个电子账户的列表。也就是说，这些是与消费者有关系的电子商人。此外，消费者以前没有要求服务提供商以电子方式提供包含在列表中的任何电子帐户的账单。

7. 发明申请

US20080133407A1 Methods and Systems for Determining and Displaying Payment Options in an Electronic Payment System 审中-公开
标题翻译：确定和显示电子支付系统中付款选项的方法和系统
公开(公告)号：US20080133407A1
公开(公告)日：2008-06-05
申请号：US11743390
申请日：2007-05-02
申请人： Lawrence Otice Guillory , Mary Catherine Herbeck , Donald Kenneth Hobday , Geiger Ferrell Lee , William E. Rasche , Todd Nathaniel Roberts , Richard A. Stratton , Cheryl L. Ward
发明人： Lawrence Otice Guillory , Mary Catherine Herbeck , Donald Kenneth Hobday , Geiger Ferrell Lee , William E. Rasche , Todd Nathaniel Roberts , Richard A. Stratton , Cheryl L. Ward
IPC分类号： G06Q30/00
CPC分类号： G06Q30/04 , G06Q20/102
摘要： A system and method for determining and displaying payment options in an electronic payment system is disclosed. A payee for a payor is identified. Prior to receiving a payment request to submit a payment to the payee on behalf of the payor, at least one funding method is identified from a list of potential funding methods. The at least one funding method is a funding method that is available to the payor for the payment to the payee, and the identification of the at least one funding method is based at least in part on at least one risk-based criteria. An interface screen is then generated for displaying at least one option to pay the payee, wherein the at least one option is associated with the at least one funding method.
摘要翻译：公开了一种用于在电子支付系统中确定和显示支付选项的系统和方法。识别付款人的收款人。在收到付款请求以代表付款人向收款人提交付款之前，从潜在的融资方法列表中确定至少一种融资方式。所述至少一种供资方法是向付款人可用于向收款人付款的资金方法，并且所述至少一种供资方法的识别至少部分地基于至少一种基于风险的标准。然后生成界面屏幕以显示至少一个选项来支付收款人，其中至少一个选项与至少一个供资方法相关联。

8. 发明授权

US07302408B2 Technique for transaction reconciliation 有权
标题翻译：交易协调技术
公开(公告)号：US07302408B2
公开(公告)日：2007-11-27
申请号：US10133649
申请日：2002-04-29
申请人： Stephen Frederick Engdahl , Kevin Davis
发明人： Stephen Frederick Engdahl , Kevin Davis
IPC分类号： G07B17/00 , G07F19/00 , G07F7/10
CPC分类号： G06Q40/02 , G06Q20/00 , G06Q20/381 , G06Q40/12 , G06Q40/128
摘要： A computerized accounting technique is provided. A record of a first type of transaction is identified based upon a record of a second type of transaction. The first type of transaction is a different type of transaction than the second type of transaction. Data is added to the record of the second type transaction based upon the identity of the first type transaction. Based upon this added data, the record of the second type transaction is reconciled with another record representing the second type transaction.
摘要翻译：提供计算机化会计技术。基于第二类交易的记录来识别第一类交易的记录。第一种类型的事务是与第二种类型的事务不同的事务类型。基于第一类型事务的身份，将数据添加到第二类型事务的记录中。基于该添加的数据，第二类型事务的记录与表示第二类型事务的另一记录协调。

9. 发明授权

US07296004B1 Electronic bill payment system with merchant identification 失效
标题翻译：具有商家识别的电子账单支付系统
公开(公告)号：US07296004B1
公开(公告)日：2007-11-13
申请号：US08994047
申请日：1997-12-19
申请人： David Lee Garrison , Patricia A. Kight , Brad Perkins , Cheryl Lynn Ward , Mary Elizabeth Lawson , Amy Lynn Kerin
发明人： David Lee Garrison , Patricia A. Kight , Brad Perkins , Cheryl Lynn Ward , Mary Elizabeth Lawson , Amy Lynn Kerin
IPC分类号： G06F17/60
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q20/385 , G06Q40/00 , Y10S707/99931
摘要： A computer implemented system and method for payment remittance receives a payor's payment information, processes this payment information, other than a received zip code, to identify an eleven digit zip code for a payee. The system and method then accesses a database of payee records to locate a payee record corresponding to the eleven digit zip code.
摘要翻译：计算机实现的用于支付汇款的系统和方法接收付款人的付款信息，处理除了所接收的邮政编码之外的这种付款信息，以识别收款人的十一位邮政编码。然后，系统和方法访问收款人记录的数据库，以查找与十一位邮政编码相对应的收款人记录。

10. 发明授权

US07240031B1 Bill payment system and method with a master merchant database 失效
标题翻译：帐单支付系统和方法与主商家数据库
公开(公告)号：US07240031B1
公开(公告)日：2007-07-03
申请号：US09540011
申请日：2000-03-31
申请人： Peter J. Kight , Mark A. Johnson , Tamara K. Christenson , Regina Lach , Philip Pointer , Kenneth Cook
发明人： Peter J. Kight , Mark A. Johnson , Tamara K. Christenson , Regina Lach , Philip Pointer , Kenneth Cook
IPC分类号： G06Q40/00 , G06Q90/00
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/085 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/14 , G06Q20/385 , G06Q40/02 , G06Q40/025
摘要： A method and system for paying bills. A service provider receives, via a network, a request to pay a bill on behalf of a consumer. The consumer can request that any merchant be paid. The service provider searches a master database containing names of merchants to determine if the merchant the consumer has requested be paid is included in the database. If the merchant is not included in the database the service provider adds the merchant to the database. The request is processed to generate an instruction to pay the merchant.
摘要翻译：一种支付账单的方法和系统。服务提供商通过网络接收代表消费者支付账单的请求。消费者可以要求支付任何商家。服务提供商搜索包含商家名称的主数据库，以确定消费者已请求支付的商家是否包括在数据库中。如果商家不包括在数据库中，则服务提供商将商家添加到数据库。该请求被处理以生成一个指示来支付商家。

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