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1. 发明申请

US20120330841A1 DEVICE AND METHOD FOR FACILITATING FINANCIAL TRANSACTIONS 有权
标题翻译：促进财务交易的手段和方法
公开(公告)号：US20120330841A1
公开(公告)日：2012-12-27
申请号：US13608003
申请日：2012-09-10
申请人： Qun Chen , Kenneth James Emerson , Edward Vincent O'Meara
发明人： Qun Chen , Kenneth James Emerson , Edward Vincent O'Meara
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/102 , G06Q20/108 , G06Q20/204 , G06Q20/382 , G06Q20/383 , G06Q20/40 , G06Q20/401 , G06Q30/0601 , G06Q40/00 , G06Q40/04 , G06Q40/06 , G06Q40/08 , G06Q40/10 , G06Q40/12
摘要： A device, system, and method for conducting a secure transaction over a network includes receiving from a user, being issued a stored-value financial instrument, a dollar amount to be associated to the stored-value financial instrument, communicating the dollar amount to a debit agent residing on a network processing and communication device, receiving at the debit agent a selection of a non-integrated financial institution selected from a list that includes at least one non-integrated financial institution, receiving at the debit agent a financial-institution user-identifier from the user, communicating the financial-institution user-identifier from the debit agent to the selected non-integrated financial institution, participating in a user-free electronic dialogue between the debit agent and the selected non-integrated financial institution, the dialogue including a request to transfer funds from the selected non-integrated financial institution, and transferring, with the debit agent, the funds from the selected non-integrated financial institution to the stored-value financial instrument.
摘要翻译：用于通过网络进行安全交易的设备，系统和方法包括从用户接收正在发行储值金融工具的与存储价值金融工具相关联的美元金额，将美元金额传达到借方代理人驻留在网络处理和通信设备上，在借方代理处接收从包括至少一个非综合金融机构的列表中选择的非综合金融机构的选择，在借记代理处接收金融机构用户 - 从用户传达金融机构用户标识符从借记代理到所选择的非综合金融机构，参与借方代理和所选择的非综合金融机构之间的无用户电子对话，对话包括从选定的非综合金融机构转移资金的请求，并转帐借款年龄 nt，从选定的非综合金融机构到储值金融工具的资金。

2. 发明授权

US09015074B2 Device and method for facilitating financial transactions 有权
标题翻译：促进金融交易的手段和方法
公开(公告)号：US09015074B2
公开(公告)日：2015-04-21
申请号：US13608003
申请日：2012-09-10
申请人： Qun Chen , Kenneth James Emerson , Edward Vincent O'Meara
发明人： Qun Chen , Kenneth James Emerson , Edward Vincent O'Meara
IPC分类号： G06Q40/00 , G06Q20/12 , G06Q20/10 , G06Q20/20 , G06Q20/38 , G06Q20/40 , G06Q30/06 , G06Q40/04 , G06Q40/08
CPC分类号： G06Q20/12 , G06Q20/102 , G06Q20/108 , G06Q20/204 , G06Q20/382 , G06Q20/383 , G06Q20/40 , G06Q20/401 , G06Q30/0601 , G06Q40/00 , G06Q40/04 , G06Q40/06 , G06Q40/08 , G06Q40/10 , G06Q40/12
摘要： A device, system, and method for conducting a secure transaction over a network includes receiving from a user, being issued a stored-value financial instrument, a dollar amount to be associated to the stored-value financial instrument, communicating the dollar amount to a debit agent residing on a network processing and communication device, receiving at the debit agent a selection of a non-integrated financial institution selected from a list that includes at least one non-integrated financial institution, receiving at the debit agent a financial-institution user-identifier from the user, communicating the financial-institution user-identifier from the debit agent to the selected non-integrated financial institution, participating in a user-free electronic dialogue between the debit agent and the selected non-integrated financial institution, the dialogue including a request to transfer funds from the selected non-integrated financial institution, and transferring, with the debit agent, the funds from the selected non-integrated financial institution to the stored-value financial instrument.
摘要翻译：用于通过网络进行安全交易的设备，系统和方法包括从用户接收正在发行储值金融工具的与存储价值金融工具相关联的美元金额，将美元金额传达到借方代理人驻留在网络处理和通信设备上，在借方代理处接收从包括至少一个非综合金融机构的列表中选择的非综合金融机构的选择，在借记代理处接收金融机构用户 - 从用户传达金融机构用户标识符从借记代理到所选择的非综合金融机构，参与借方代理和所选择的非综合金融机构之间的无用户电子对话，对话包括从选定的非综合金融机构转移资金的请求，并转帐借款年龄 nt，从选定的非综合金融机构到储值金融工具的资金。

3. 发明授权

US08271385B2 Method, device, and system for completing on-line financial transactions 有权
标题翻译：完成在线金融交易的方法，设备和系统
公开(公告)号：US08271385B2
公开(公告)日：2012-09-18
申请号：US12781686
申请日：2010-05-17
申请人： Kenneth James Emerson , Edward Vincent O'Meara , Qun Chen
发明人： Kenneth James Emerson , Edward Vincent O'Meara , Qun Chen
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/10 , G06Q20/102 , G06Q20/204 , G06Q20/382 , G06Q20/383 , G06Q20/40 , G06Q20/401 , G06Q30/0601 , G06Q40/00 , G06Q40/04 , G06Q40/08 , G06Q40/12
摘要： A method for conducting a secure transaction over a network includes the steps of receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user, receiving a user identifier from a user, receiving a financial institution selection from the user, initiating a communication session with the selected financial institution, receiving a financial-institution user-identifier from the user, communicating the financial-institution user-identifier to the selected financial institution, communicating to the selected financial institution a request to transfer funds, receiving the funds from the selected financial institution, and sending the funds to the merchant.
摘要翻译：用于通过网络执行安全交易的方法包括以下步骤：从商家接收价格和交易标识符，交易标识符标识用户做出的购买选择，从用户接收用户标识符，接收金融机构选择从所述用户发起与所选择的金融机构的通信会话，从所述用户接收金融机构用户标识符，将所述金融机构用户标识符传送到所选择的金融机构，向所选金融机构通知转移请求资金，从选定的金融机构接收资金，并将资金发送给商户。

4. 发明申请

US20100223152A1 METHOD, DEVICE, AND SYSTEM FOR COMPLETING ON-LINE FINANCIAL TRANSACTIONS 有权
标题翻译：完成在线金融交易的方法，设备和系统
公开(公告)号：US20100223152A1
公开(公告)日：2010-09-02
申请号：US12781686
申请日：2010-05-17
申请人： Kenneth James Emerson , Edward Vincent O'Meara , Qun Chen
发明人： Kenneth James Emerson , Edward Vincent O'Meara , Qun Chen
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q30/00
CPC分类号： G06Q20/12 , G06Q20/10 , G06Q20/102 , G06Q20/204 , G06Q20/382 , G06Q20/383 , G06Q20/40 , G06Q20/401 , G06Q30/0601 , G06Q40/00 , G06Q40/04 , G06Q40/08 , G06Q40/12
摘要： A method for conducting a secure transaction over a network includes the steps of receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user, receiving a user identifier from a user, receiving a financial institution selection from the user, initiating a communication session with the selected financial institution, receiving a financial-institution user-identifier from the user, communicating the financial-institution user-identifier to the selected financial institution, communicating to the selected financial institution a request to transfer funds, receiving the funds from the selected financial institution, and sending the funds to the merchant.
摘要翻译：用于通过网络执行安全交易的方法包括以下步骤：从商家接收价格和交易标识符，交易标识符标识用户做出的购买选择，从用户接收用户标识符，接收金融机构选择从所述用户发起与所选择的金融机构的通信会话，从所述用户接收金融机构用户标识符，将所述金融机构用户标识符传送到所选择的金融机构，向所选金融机构通知转移请求资金，从选定的金融机构接收资金，并将资金发送给商户。

5. 发明授权

US07720764B2 Method, device, and system for completing on-line financial transaction 有权
标题翻译：完成在线金融交易的方法，设备和系统
公开(公告)号：US07720764B2
公开(公告)日：2010-05-18
申请号：US12024581
申请日：2008-02-01
申请人： Kenneth James Emerson , Edward Vincent O'Meara , Qun Chen
发明人： Kenneth James Emerson , Edward Vincent O'Meara , Qun Chen
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/10 , G06Q20/102 , G06Q20/204 , G06Q20/382 , G06Q20/383 , G06Q20/40 , G06Q20/401 , G06Q30/0601 , G06Q40/00 , G06Q40/04 , G06Q40/08 , G06Q40/12
摘要： A method for conducting a secure transaction over a network includes the steps of receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user, receiving a user identifier from a user, receiving a financial institution selection from the user, initiating a communication session with the selected financial institution, receiving a financial-institution user-identifier from the user, communicating the financial-institution user-identifier to the selected financial institution, communicating to the selected financial institution a request to transfer funds, receiving the funds from the selected financial institution, and sending the funds to the merchant.
摘要翻译：用于通过网络执行安全交易的方法包括以下步骤：从商家接收价格和交易标识符，交易标识符标识用户做出的购买选择，从用户接收用户标识符，接收金融机构选择从所述用户发起与所选择的金融机构的通信会话，从所述用户接收金融机构用户标识符，将所述金融机构用户标识符传送到所选择的金融机构，向所选金融机构通知转移请求资金，从选定的金融机构接收资金，并将资金发送给商户。

6. 发明申请

US20090198615A1 Method, Device, and System for Completing On-Line Financial Transaction 有权
标题翻译：完成在线金融交易的方法，设备和系统
公开(公告)号：US20090198615A1
公开(公告)日：2009-08-06
申请号：US12024581
申请日：2008-02-01
申请人： Kenneth James Emerson , Edward Vincent O'Meara , Qun Chen
发明人： Kenneth James Emerson , Edward Vincent O'Meara , Qun Chen
IPC分类号： G06Q20/00
CPC分类号： G06Q20/12 , G06Q20/10 , G06Q20/102 , G06Q20/204 , G06Q20/382 , G06Q20/383 , G06Q20/40 , G06Q20/401 , G06Q30/0601 , G06Q40/00 , G06Q40/04 , G06Q40/08 , G06Q40/12
摘要： A method for conducting a secure transaction over a network includes the steps of receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user, receiving a user identifier from a user, receiving a financial institution selection from the user, initiating a communication session with the selected financial institution, receiving a financial-institution user-identifier from the user, communicating the financial-institution user-identifier to the selected financial institution, communicating to the selected financial institution a request to transfer funds, receiving the funds from the selected financial institution, and sending the funds to the merchant.
摘要翻译：用于通过网络执行安全交易的方法包括以下步骤：从商家接收价格和交易标识符，交易标识符标识用户做出的购买选择，从用户接收用户标识符，接收金融机构选择从所述用户发起与所选择的金融机构的通信会话，从所述用户接收金融机构用户标识符，将所述金融机构用户标识符传送到所选择的金融机构，向所选金融机构通知转移请求资金，从选定的金融机构接收资金，并将资金发送给商户。

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