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1. 发明申请

US20130173463A1 ELECTRONIC PAYMENT AND AUTHENTICATION SYSTEM WITH DEBIT AND IDENTIFICATION DATA VERIFICATION AND ELECTRONIC CHECK CAPABILITIES 审中-公开
标题翻译：电子支付和认证系统，具有脱离和识别数据验证和电子检查能力
公开(公告)号：US20130173463A1
公开(公告)日：2013-07-04
申请号：US13776564
申请日：2013-02-25
申请人： eFunds Corporation
发明人： Whitney Hilton Stewart , Matthew Lacey Petersen , Brian John Gallmeier , Teresa Marie Crews , Mark Andrew Nipe , James Michael Haire , Robert Lawrence Hill , Michael Richard Bates
IPC分类号： G06Q20/04
CPC分类号： G06Q20/0425 , G06Q20/04 , G06Q20/085 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/28 , G06Q20/40 , G06Q20/401 , G06Q30/04 , G06Q40/00 , G06Q40/025
摘要： An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
摘要翻译：一种电子支付和认证系统，其中包括验证付款人真实性的功能，验证借方数据，以及便利借款（而不是信贷）支付交易。电子支付系统允许消费者在利用借记交易的同时通过网络购买商品和服务。本发明使商家能够验证消费者的身份，确定消费者是否是良好的借方交易风险，并且检索与特定消费者相关联的借项数据。

2. 发明申请

US20130073455A1 ELECTRONIC BILL PRESENTATION AND PAYMENT METHOD AND SYSTEM 有权
标题翻译：电子帐单陈述和付款方式与制度
公开(公告)号：US20130073455A1
公开(公告)日：2013-03-21
申请号：US13423931
申请日：2012-03-19
申请人： Edward G. McLaughlin , Flint A. Lane
发明人： Edward G. McLaughlin , Flint A. Lane
IPC分类号： G06Q30/04
CPC分类号： G06Q20/102 , G06Q20/10
摘要： A comprehensive electronic bill presentment and payment system and method is described. Bills can be received by the system, in any electronic format. Bills can also be received by the system through conventional paper-based channels. Paper bills are scanned and information is extracted from the scanned bill images using OCR techniques. Bill payments can be issued using either electronic or paper-based methods. A single electronic bill presentment and payment interface is provided which shields the user from evolving billing practices.
摘要翻译：描述了全面的电子账单提交和支付系统和方法。票据可以由系统以任何电子格式接收。票据也可以由系统通过传统的基于纸张的渠道接收。扫描纸币，并使用OCR技术从扫描的帐单图像中提取信息。账单支付可以使用电子或纸张方式发行。提供了一个单一的电子帐单显示和支付界面，用于屏蔽用户不断发展的计费方式。

3. 发明授权

US07849003B2 Methods and systems for opening and funding a financial account online 有权
标题翻译：在线开立和资助金融账户的方法和系统
公开(公告)号：US07849003B2
公开(公告)日：2010-12-07
申请号：US11796563
申请日：2007-04-27
申请人： Rockne Egnatios , Amy B. Byal , Gerard Marineau , Robert L. Evans, Jr.
发明人： Rockne Egnatios , Amy B. Byal , Gerard Marineau , Robert L. Evans, Jr.
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q30/0224 , G06Q40/00 , G06Q40/025
摘要： Methods and systems for monitoring an online account opening service. One system can include an account management system that performs an online account opening service and includes a management console application. The online account opening service electronically receives account application information and funding information specifying at least one funding source, processes the account application to assess a risk to a financial institution of opening an account for a customer, processes the funding source information to assess a risk to the financial institution of transferring funds from the at least one funding source to the account, and electronically transfers funds from the at least one funding source to the account based on the risk to the financial institution of opening the account for the customer and the risk to the financial institution of transferring funds from the at least one funding source to the account.
摘要翻译：用于监控在线开户服务的方法和系统。一个系统可以包括执行在线开户服务并包括管理控制台应用的帐户管理系统。在线开户服务以电子形式接收帐户申请信息和资金信息，指定至少一个资金来源，处理帐户申请以评估金融机构为客户开立账户的风险，处理资金来源信息以评估风险将资金从至少一个资金来源转移到该账户的金融机构，以及基于金融机构为客户开立账户的风险将资金从至少一个资金来源电子转移到该账户，以及风险将资金从至少一个资金来源转移到该账户的金融机构。

4. 发明申请

US20020082994A1 Method and apparatus for managing automated banking machines 审中-公开
标题翻译：用于管理自动银行机的方法和装置
公开(公告)号：US20020082994A1
公开(公告)日：2002-06-27
申请号：US09970149
申请日：2001-10-02
申请人： eFunds Corporation
发明人： Kathy Ann Herziger
IPC分类号： G06F017/60
CPC分类号： G06Q10/06 , G06Q20/1085 , G06Q20/18 , G07F19/20 , G07F19/206 , G07F19/209 , G07F19/21 , G07F19/211
摘要： In some preferred embodiments of the present invention, an ATM management application is used to provide an ATM operator with a comprehensive set of ATM management information. This ATM management information can enable the ATM operator to increase ATM profitability through improved ATM availability and expense reduction. The ATM management application can include any number of the following modules: a currency management module, a status inquiry module, a courier services module, an auto balance module, a deposit verification module, and a site analysis and profitability management module.
摘要翻译：在本发明的一些优选实施例中，ATM管理应用用于向ATM运营商提供一整套ATM管理信息。 ATM管理信息可以使ATM运营商通过提高ATM可用性和降低费用来提高ATM的获利能力。 ATM管理应用程序可以包括以下任意数量的模块：货币管理模块，状态查询模块，快递服务模块，自动平衡模块，存款验证模块以及站点分析和盈利管理模块。

5. 发明授权

US09691101B2 Method and system for funding a financial account 有权
公开(公告)号：US09691101B2
公开(公告)日：2017-06-27
申请号：US13476512
申请日：2012-05-21
申请人： Whitney Hilton Stewart , Robert Lawrence Hill , Connie Koep
发明人： Whitney Hilton Stewart , Robert Lawrence Hill , Connie Koep
IPC分类号： G06Q40/00 , G06Q40/02 , G06K7/08 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q30/02 , G06Q40/06 , G07F19/00
CPC分类号： G06Q40/02 , G06K7/084 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/042 , G06Q20/10 , G06Q30/02 , G06Q40/00 , G06Q40/06 , G07F19/20 , G07F19/203
摘要： A system for generating and processing an electronic funding application is disclosed. The system includes a memory storing instructions and a processor configured to execute the instructions to transmit the electronic funding application to a client and enter financial data into the funding application. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The instructions further transmit the financial data to a server, validate at least a portion of the financial data by comparing a portion of the financial data to data representing valid demand deposit accounts, convert the MICR line to an item compatible with an automated clearing house (ACH) network, and submit the item and the currency amount to the ACH network. The currency amount is transferred from the demand deposit account of the customer to the financial account of the customer.

6. 发明授权

US08204812B2 Method and system for funding a financial account 有权
标题翻译：为金融账户提供资金的方法和制度
公开(公告)号：US08204812B2
公开(公告)日：2012-06-19
申请号：US10239906
申请日：2000-11-30
申请人： Whitney Hilton Stewart , Robert Lawrence Hill , Connie Koep
发明人： Whitney Hilton Stewart , Robert Lawrence Hill , Connie Koep
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06K7/084 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/042 , G06Q20/10 , G06Q30/02 , G06Q40/00 , G06Q40/06 , G07F19/20 , G07F19/203
摘要： A system and method of electronically funding a financial account is disclosed. The method includes the acts of providing an electronic funding application, electronically transmitting the electronic funding application to a customer-operated client, and entering financial data into the funding application of the customer-operated client. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The method further includes the acts of electronically transmitting the financial data to a server (30), validating that at least a portion of the entered financial data corresponds to the demand deposit account, converting the MICR line to an item compatible with the Automated Clearing House network, submitting the item and the currency to this network and electronically transfering the currency from the demand deposit account to the financial account.
摘要翻译：披露了一种以电子方式为金融账户提供资金的系统和方法。该方法包括提供电子资金申请的行为，将电子资金申请电子传送给客户经营的客户，并将财务数据输入到客户经营的客户的资金申请中。财务数据包括磁墨水字符识别（MICR）线，货币金额和帐户标识符。该方法还包括将财务数据电子地发送到服务器（30）的动作，验证所输入的财务数据的至少一部分对应于需求存款帐户，将MICR行转换为与自动清算所兼容的项目网络，将物品和货币提交到该网络，并将货币从定期存款帐户电子转账到金融账户。

7. 发明授权

US08060441B2 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 有权
标题翻译：电子支付和认证系统，具有借记和识别数据验证和电子检查功能
公开(公告)号：US08060441B2
公开(公告)日：2011-11-15
申请号：US12785879
申请日：2010-05-24
申请人： Whitney Hilton Stewart , Matthew Lacey Petersen , Brian John Gallmeier , Teresa Marie Crews , Mark Andrew Nipe , James Michael Haire , Robert Lawrence Hill , Michael Richard Bates
发明人： Whitney Hilton Stewart , Matthew Lacey Petersen , Brian John Gallmeier , Teresa Marie Crews , Mark Andrew Nipe , James Michael Haire , Robert Lawrence Hill , Michael Richard Bates
IPC分类号： G06Q40/00
CPC分类号： G06Q20/0425 , G06Q20/04 , G06Q20/085 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/28 , G06Q20/40 , G06Q20/401 , G06Q30/04 , G06Q40/00 , G06Q40/025
摘要： An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
摘要翻译：一种电子支付和认证系统，其中包括验证付款人真实性的功能，验证借方数据，以及便利借款（而不是信贷）支付交易。电子支付系统允许消费者在利用借记交易的同时通过网络购买商品和服务。本发明使商家能够验证消费者的身份，确定消费者是否是良好的借方交易风险，并且检索与特定消费者相关联的借项数据。

8. 发明授权

US07752132B2 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 有权
标题翻译：电子支付和认证系统，具有借记和识别数据验证和电子检查功能
公开(公告)号：US07752132B2
公开(公告)日：2010-07-06
申请号：US10082677
申请日：2002-02-25
申请人： Whitney Hilton Stewart , Matthew Lacey Petersen , Brian John Gallmeier , Teresa Marie Crews , Mark Andrew Nipe , James Michael Haire , Robert Lawrence Hill , Michael Richard Bates
发明人： Whitney Hilton Stewart , Matthew Lacey Petersen , Brian John Gallmeier , Teresa Marie Crews , Mark Andrew Nipe , James Michael Haire , Robert Lawrence Hill , Michael Richard Bates
IPC分类号： G06Q30/00
CPC分类号： G06Q20/0425 , G06Q20/04 , G06Q20/085 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/28 , G06Q20/40 , G06Q20/401 , G06Q30/04 , G06Q40/00 , G06Q40/025
摘要： An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
摘要翻译：一种电子支付和认证系统，其中包括验证付款人真实性的功能，验证借方数据，以及便利借款（而不是信贷）支付交易。电子支付系统允许消费者在利用借记交易的同时通过网络购买商品和服务。本发明使商家能够验证消费者的身份，确定消费者是否是良好的借方交易风险，并且检索与特定消费者相关联的借项数据。

9. 发明申请

US20030065671A1 Method and apparatus for formatting a data grid for the display of a view 审中-公开
标题翻译：用于格式化用于显示视图的数据网格的方法和装置
公开(公告)号：US20030065671A1
公开(公告)日：2003-04-03
申请号：US10226690
申请日：2002-08-23
申请人： eFunds Corporation
发明人： Robert Raymond Cardenas
IPC分类号： G06F007/00
CPC分类号： G06F17/246
摘要： A method and apparatus for utilizing a single data grid to display one of a plurality of displayable views using a software program or formatter that receives user criteria identifying one of the plurality of displayable views and the data grid a definition. The definition identifies the data set(s) the data grid is to obtain data from, the query used to retrieve the data from the data set(s), and the format used to display the data in the data grid. The definition is included in a set of configuration data associated with one of the plurality of views that is stored in a configuration file. The configuration file is external to the application program that includes the data grid such that the configuration data can be updated without effecting the operation of the application program.
摘要翻译：一种用于利用单个数据网格使用软件程序或格式器来显示多个可显示视图中的一个的方法和装置，所述软件程序或格式化器接收标识多个可显示视图和数据网格中的一个定义的用户标准。该定义识别数据网格从数据集中获取数据的数据集，以及用于从数据集中检索数据的数据集，以及用于在数据网格中显示数据的格式。该定义被包括在与存储在配置文件中的多个视图中的一个相关联的一组配置数据中。配置文件在包含数据网格的应用程序的外部，使得可以更新配置数据而不影响应用程序的操作。

10. 发明授权

US11205160B2 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 有权
公开(公告)号：US11205160B2
公开(公告)日：2021-12-21
申请号：US16414736
申请日：2019-05-16
申请人： eFunds Corporation
发明人： Whitney Hilton Stewart , Matthew Lacey Peterson , Brian John Gallmeier , Teresa Marie Crews , Mark Andrew Nipe , James Michael Haire , Robert Lawrence Hill , Michael Richard Bates
IPC分类号： G06Q20/10 , G06Q30/04 , G06Q20/04 , G06Q20/08 , G06Q20/28 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.

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