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1. 发明授权

US08296231B2 Network accessible funds transfer system 有权
标题翻译：网络资金转账系统
公开(公告)号：US08296231B2
公开(公告)日：2012-10-23
申请号：US12648063
申请日：2009-12-28
申请人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
发明人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A network-accessible funds transfer system is disclosed that is capable of controlling a funds transfer transaction in which a funds transfer service collects funds from a payer and transfers collected funds to a payee. In one embodiment, the funds transfer service uses credit card information specified by the payer via the service's user interface to collect funds from the payer (through interactions with a third party fulfillment service), and uses bank account information specified by the payee via the service's user interface to transfer collected funds to a bank account of the payee.
摘要翻译：公开了一种能够控制资金转移交易的网络可访问的资金转帐系统，其中资金转账服务从付款人处收取资金并将收款资金转移给收款人。在一个实施例中，资金转移服务使用由付款人通过服务的用户界面指定的信用卡信息来从付款人收集资金（通过与第三方履行服务的交互），并且使用通过服务的收款人指定的银行帐户信息用户界面将收款资金转入收款人的银行账户。

2. 发明申请

US20100138312A1 NETWORK ACCESSIBLE FUNDS TRANSFER SYSTEM 有权
标题翻译：网络可接受的资金转移系统
公开(公告)号：US20100138312A1
公开(公告)日：2010-06-03
申请号：US12648063
申请日：2009-12-28
申请人： MARK J. BRITTO , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
发明人： MARK J. BRITTO , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A funds transfer system is disclosed that is responsive to a receipt of a payment request by performing a risk management assessment of an associated payer and payee. If the risk management assessment produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed by causing funds to be transferred between the payer and payee. The risk management assessment may be performed on the basis of credit and/or authentication information derived from customer information received with or prior to the payment request. Such customer information may, for example, include credit card account information and/or bank account information.
摘要翻译：公开了一种资金转帐系统，其通过执行相关的付款人和收款人的风险管理评估来响应收到付款请求。如果风险管理评估产生不利指示，则付款请求被拒绝。否则，可以通过在付款人和收款人之间转移资金来处理付款请求。风险管理评估可以基于从在付款请求之前或之前收到的客户信息得到的信用和/或认证信息来执行。这样的客户信息可以例如包括信用卡帐户信息和/或银行帐户信息。

3. 发明授权

US07689487B1 Computer-assisted funds transfer system 有权
标题翻译：计算机辅助资金转账系统
公开(公告)号：US07689487B1
公开(公告)日：2010-03-30
申请号：US11845977
申请日：2007-08-28
申请人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
发明人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
IPC分类号： F40
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A funds transfer system is disclosed that is responsive to a receipt of a payment request by performing a risk management assessment of an associated payer and payee. If the risk management assessment produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed by causing funds to be transferred between the payer and payee. The risk management assessment may be performed on the basis of credit and/or authentication information derived from customer information received with or prior to the payment request. Such customer information may, for example, include credit card account information and/or bank account information.
摘要翻译：公开了一种资金转帐系统，其通过执行相关的付款人和收款人的风险管理评估来响应收到付款请求。如果风险管理评估产生不利指示，则付款请求被拒绝。否则，可以通过在付款人和收款人之间转移资金来处理付款请求。风险管理评估可以基于从在付款请求之前或之前收到的客户信息得到的信用和/或认证信息来执行。这样的客户信息可以例如包括信用卡帐户信息和/或银行帐户信息。

4. 发明授权

US07546261B2 Extraction of bank routing number from information entered by a user 有权
标题翻译：从用户输入的信息中提取银行路由号码
公开(公告)号：US07546261B2
公开(公告)日：2009-06-09
申请号：US10884360
申请日：2004-07-02
申请人： Matthew T. Bogosian , Nicholas K. Peddy , FuMing Young
发明人： Matthew T. Bogosian , Nicholas K. Peddy , FuMing Young
IPC分类号： G06Q40/00
CPC分类号： G07F7/00 , G06K9/186 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： The present invention provides various features for extracting a user's bank account information for use in facilitating the electronic transfer of funds to or from the user's bank account. One feature of the invention involves a method and system for extracting a bank routing number from character strings provided by a user from the face of a bank check. The method involves receiving from the user a magnetic ink character recognition (MICR) line. A contiguous string of characters within the MICR line that satisfies a checksum test is stored as the bank routing number for the user. A check number and an account number may also be received from the user. A test is performed to verify that the check number, the account number, and the bank routing number all coexist within the MICR line. Another feature of the invention involves a method and system for facilitating the transfer of funds between a buyer and a seller. A bank routing number is determined for the seller as noted above. A credit card account associated with the buyer is then charged to collect funds for purchasing one or more items from the seller, and at least a portion of the collected funds is deposited into the bank account of the seller using the extracted bank routing number.
摘要翻译：本发明提供了用于提取用户的银行帐户信息以用于促进向用户银行帐户或从用户银行帐户的电子转帐的各种功能。本发明的一个特征涉及一种用于从银行支票的面部从用户提供的字符串中提取银行路由号码的方法和系统。该方法包括从用户接收磁墨水字符识别（MICR）线。满足校验和测试的MICR线内连续字符串被存储为用户的银行路由号码。也可以从用户接收到支票号码和帐号。执行测试以验证检查号码，帐号和银行路由号码是否全部在MICR行内共存。本发明的另一个特征涉及一种便于在买方和卖方之间转移资金的方法和系统。如上所述，为卖方确定银行路线号码。然后，与买方相关联的信用卡帐户被收取以从卖方购买一个或多个物品的资金，并且使用提取的银行路线号将至少一部分所收集的资金存入卖方的银行账户。

5. 发明授权

US07536351B2 User-to-user payment service with payee-specific pay pages 有权
公开(公告)号：US07536351B2
公开(公告)日：2009-05-19
申请号：US09928982
申请日：2001-08-13
申请人： Jonathan Leblang , Shaun Schooley , FuMing Young , Alan Caplan , Joel R. Spiegel , Jeffrey P. Bezos
发明人： Jonathan Leblang , Shaun Schooley , FuMing Young , Alan Caplan , Joel R. Spiegel , Jeffrey P. Bezos
IPC分类号： G06Q40/00
CPC分类号： G06Q20/123 , G06Q20/00 , G06Q20/02 , G06Q20/102 , G06Q20/12 , G07F17/0014
摘要： A network-based payment service provides various features for facilitating online, user-to-user payments. One feature involves the ability for users to define customized pay pages for receiving payments from other users. The pay pages are preferably hosted by a service provider site that handles the collection process, and may be created using pay page templates that specify the layouts and behaviors of the pay pages. In one embodiment, a pay page owner can also define one or more “pay boxes” to allow payments to be initiated from other web sites, which may include the web sites of associates who receive commissions on resulting payments. Another feature involves the ability for users to make single-action payments from web sites external to the service provider site. Also disclosed are various features for controlling access to content and services based on whether, or an extent to which, a visitor has made voluntary or mandatory payments.

6. 发明授权

US06760470B1 Extraction of bank routing number from information entered by a user 有权
标题翻译：从用户输入的信息中提取银行路由号码
公开(公告)号：US06760470B1
公开(公告)日：2004-07-06
申请号：US09517563
申请日：2000-03-02
申请人： Matthew T. Bogosian , Nicholas K. Peddy , FuMing Young
发明人： Matthew T. Bogosian , Nicholas K. Peddy , FuMing Young
IPC分类号： G06K900
CPC分类号： G07F7/00 , G06K9/186 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A computer-implemented method is disclosed for extracting a user's bank account information from information entered by the user from the face of a check. The extracted information may be used to electronically transfer funds to or from the user's bank account. The method may be embodied within a web site system, a telephone-based voice prompting system, or another type of interactive computer system of a business entity, and provides an alternative to requiring the user to mail a voided check. The method involves receiving from the user a magnetic ink character recognition (MICR) line, and identifying a contiguous string of characters within the MICR line that satisfies a checksum test. The resulting string is stored as the bank routing number for the user. A check number and an account number may also be received from the user, in which case a test is performed to verify that the check number, the account number, and the bank routing number all coexist within the MICR line. In a preferred embodiment, the method is used to facilitate the transfer of funds between buyers and sellers in an electronic commerce system that provides a marketplace for users to buy and sell goods, such as an online auctions system or a “flea market” system. In this embodiment, when a buyer purchases one or more items from a seller, the buyer's credit card account is charged to collect funds for the purchase, and at least a portion of the collected funds is deposited into the bank account of the seller using the extracted bank routing number.
摘要翻译：公开了一种计算机实现的方法，用于从用户面对检查输入的信息中提取用户的银行帐户信息。所提取的信息可以用于向用户的银行帐户电子转帐资金。该方法可以体现在网站系统，基于电话的语音提示系统或商业实体的另一类型的交互式计算机系统中，并且提供了要求用户发送无效检查的替代方案。该方法包括从用户接收磁墨水字符识别（MICR）行，以及识别满足校验和测试的MICR行内的连续字符串。结果字符串存储为用户的银行路由号码。还可以从用户接收到支票号码和帐号，在这种情况下，执行测试以验证支票号码，帐号和银行路由号码是否全部在MICR行内共存。在一个优选实施例中，该方法用于促进电子商务系统中的买方和卖方之间的资金转移，该电子商务系统为用户购买和出售诸如在线拍卖系统或“跳蚤市场”系统的商品提供了市场。在本实施例中，当买方从卖方购买一个或多个物品时，买方的信用卡帐户被收取以收取购买资金，并且所收集的资金的至少一部分被存入卖方的银行账户中提取银行路由号码。

7. 发明授权

US07685067B1 Computer-assisted funds transfer system 有权
标题翻译：计算机辅助资金转账系统
公开(公告)号：US07685067B1
公开(公告)日：2010-03-23
申请号：US09312028
申请日：1999-05-14
申请人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
发明人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A payment request associated with a transfer of funds is received and a risk management assessment for both sides thereof is performed. If the risk management assessment procedure produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed for delivery of a payment associated therewith. The risk management assessment may be performed on the basis of credit/authentication information derived from customer information received with (or even prior to) the payment request. Such customer information may include credit card account information and/or bank account information (e.g., checking account) information. In some cases, the risk management assessment may include an automated component and a manual (non-automated) component. Such a manual component may be needed where the automated component of the risk management assessment provides suspect information regarding one of the parties to the transaction. Where the payment request is processed for delivery of the payment, such processing may include submitting a payment authorization request, and, upon receiving a settlement indication regarding that payment authorization request, transmitting the payment. In some cases, the payment may be transmitted as a check, while in others it may be transmitted as a money order or instruction to have funds automatically deposited in an account.
摘要翻译：收到与资金转移相关的支付请求，并对其两侧执行风险管理评估。如果风险管理评估程序产生不利指示，则付款请求被拒绝。否则，可以处理支付请求以递送与之相关联的支付。可以基于从（或甚至在付款请求之前）接收的客户信息得到的信用/认证信息来执行风险管理评估。这样的客户信息可以包括信用卡帐户信息和/或银行帐户信息（例如，检查帐户）信息。在某些情况下，风险管理评估可能包括自动化组件和手动（非自动化）组件。在风险管理评估的自动化部分提供关于交易的一方的可疑信息的情况下，可能需要这样的手动部件。在处理支付请求以交付付款的情况下，这种处理可以包括提交付款授权请求，并且在收到关于该支付授权请求的结算指示时，发送支付。在某些情况下，支付可以作为支票发送，而在其他情况下，支付可以作为汇款单或指令发送，以将资金自动存入账户。

8. 发明申请

US20080262964A1 NETWORK BASED USER-TO-USER PAYMENT SERVICE 有权
标题翻译：基于网络的用户到用户付款服务
公开(公告)号：US20080262964A1
公开(公告)日：2008-10-23
申请号：US12032977
申请日：2008-02-18
申请人： Jeffrey P. Bezos , Jonathan Leblang , Shaun Schooley , FuMing Young , Alan Caplan , Joel R. Spiegel
发明人： Jeffrey P. Bezos , Jonathan Leblang , Shaun Schooley , FuMing Young , Alan Caplan , Joel R. Spiegel
IPC分类号： G06Q20/00
CPC分类号： G06Q20/10 , G06Q20/00 , G06Q20/02 , G06Q20/102 , G06Q20/12 , G06Q20/123 , G07F17/0014
摘要： A network-based payment service and site provides various features for facilitating user-to-user payments. One such feature enables users of the payment service to create pay boxes, or other types of payment objects, that can be incorporated into externally hosted web pages and used to make payments. In some embodiments, the payment objects enable users to make payments directly from the externally hosted web pages.
摘要翻译：基于网络的支付服务和网站提供了各种功能，便于用户到用户的付款。一种这样的特征使得支付服务的用户可以创建可以合并到外部托管的网页中并用于进行付款的付费框或其他类型的支付对象。在一些实施例中，支付对象使用户能够直接从外部托管的网页进行支付。

9. 发明申请

US20050131816A1 Computer-based funds transfer system 审中-公开
标题翻译：基于计算机的资金转账系统
公开(公告)号：US20050131816A1
公开(公告)日：2005-06-16
申请号：US11049825
申请日：2005-02-03
申请人： Mark Britto , Aimee Cardwell , FuMing Young , Nicholas Peddy , Adrian Blakey , Angela Lee , Erich Ringewald
发明人： Mark Britto , Aimee Cardwell , FuMing Young , Nicholas Peddy , Adrian Blakey , Angela Lee , Erich Ringewald
IPC分类号： G06Q20/00 , G06F17/60
CPC分类号： G06Q40/02 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/102
摘要： A computer-based funds transfer service provides functionality for users to send and receive payments via a web-based user interface. In one embodiment, the web-based user interface provides functionality for a first user of the service to generate and submit a payment request for sending money to, or collecting money from, a second user, who may but need not be registered with the service. The first user may specify the second user by supplying an email address of the second user, which may be used by the service to notify the second user of the payment request. The email message sent to the second user may include a URL that can be accessed by the second user to register with the service (if not already registered) and complete the transaction.
摘要翻译：基于计算机的资金转移服务为用户提供了通过基于网络的用户界面发送和接收付款的功能。在一个实施例中，基于网络的用户界面为服务的第一用户提供功能，以产生和提交支付请求，用于向第二用户发送钱款或从第二用户收取钱，谁可以但不需要向服务注册。第一用户可以通过提供第二用户的电子邮件地址来指定第二用户，该电子邮件地址可由服务使用以通知第二用户该支付请求。发送到第二用户的电子邮件消息可以包括可由第二用户访问以便向服务注册的URL（如果尚未注册）并且完成交易。

10. 发明授权

US08612343B2 Network based payment service capable of generating coding for adding payment objects to pages of external sites 有权
标题翻译：基于网络的支付服务，能够生成用于将付款对象添加到外部网站的页面的编码
公开(公告)号：US08612343B2
公开(公告)日：2013-12-17
申请号：US12032977
申请日：2008-02-18
申请人： Jeffrey P. Bezos , Jonathan Leblang , Shaun Schooley , FuMing Young , Alan Caplan , Joel R. Spiegel
发明人： Jeffrey P. Bezos , Jonathan Leblang , Shaun Schooley , FuMing Young , Alan Caplan , Joel R. Spiegel
IPC分类号： G06Q40/00 , G06Q20/10
CPC分类号： G06Q20/10 , G06Q20/00 , G06Q20/02 , G06Q20/102 , G06Q20/12 , G06Q20/123 , G07F17/0014
摘要： A network-based payment service and site provides various features for facilitating payments. One such feature enables users of the payment service to create pay boxes, or other types of payment objects, that can be incorporated into externally hosted web pages and used to make payments. In some embodiments, the payment objects enable users to make payments directly from the externally hosted web pages.
摘要翻译：基于网络的支付服务和网站提供各种功能来促进付款。一种这样的特征使得支付服务的用户可以创建可以合并到外部托管的网页中并用于进行付款的付费框或其他类型的支付对象。在一些实施例中，支付对象使用户能够直接从外部托管的网页进行支付。

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