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1. 发明授权

US08290865B2 Push payment system and method including billing file exchange 有权
标题翻译：推送支付系统和方法，包括帐单文件交换
公开(公告)号：US08290865B2
公开(公告)日：2012-10-16
申请号：US12577609
申请日：2009-10-12
申请人： Kimberly Lawrence , Barbara Patterson
发明人： Kimberly Lawrence , Barbara Patterson
IPC分类号： G06Q40/00
CPC分类号： G06Q20/325 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/14 , G06Q20/32 , G06Q20/3223 , G06Q20/341 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for processing bill payments. A consumer may send a bill payment request online to a payment processing network, such as through an online bill payment interface. The payment processing network can coordinate with a non-bank acquirer to settle the bill payment with the biller. The liability for the transaction may fall on the issuer, who may be responsible for all parties fulfilling the transaction. The non-bank acquirer may coordinate among the various parties, but may not have liability for fulfillment of the transaction. The non-bank acquirer can deposit funds for the bill payment in a biller bank, and accounts receivable data can be sent to the biller for reconciliation of the bill.
摘要翻译：处理账单支付的系统和方法。消费者可以通过在线账单支付界面将支付请求在线发送到支付处理网络。支付处理网络可以与非银行收单方进行协调，以与账单结算账单支付。交易的责任可能落在发行人身上，发行人可能对履行交易的所有各方负责。非银行收购方可以协调各方之间的交易，但对履行交易可能无责任。非银行收单方可以在账单银行存入账单，可以将账单中的应收账款数据发送给账单。

2. 发明申请

US20110258116A1 System and Method for Issuer Originated Payments for On-Line Banking Bill Payments 有权
标题翻译：发行人起始付款的在线银行账单支付系统和方法
公开(公告)号：US20110258116A1
公开(公告)日：2011-10-20
申请号：US13093660
申请日：2011-04-25
申请人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
发明人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102 , G06Q20/108 , G06Q20/40 , G06Q40/00
摘要： Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.
摘要翻译：提供了处理在线银行账单支付请求的技术。从在线银行账单支付网站的运营商接收到账单支付请求。经营者可能是银行。该请求是使用便携式消费者设备支付帐单。然后为发行者生成交易请求，并将其发送给发行方进行授权。然后，发行方发送一个响应，指示交易请求是否被批准或拒绝。如果交易被批准，则会生成一个汇款人的汇款信息。然后将汇款信息转发给在线银行账单支付网站的运营商，以转发给便携式消费者设备的用户。此外，汇款信息被发送给收单方或现金管理银行，该银行可将信息转发给与账单支付请求相关联的账单。

3. 发明授权

US07958030B2 System and method for issuer originated payments for on-line banking bill payments 有权
标题翻译：发行人的系统和方法发行在线银行账单支付
公开(公告)号：US07958030B2
公开(公告)日：2011-06-07
申请号：US11217691
申请日：2005-08-31
申请人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
发明人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102 , G06Q20/108 , G06Q20/40 , G06Q40/00
摘要： Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.
摘要翻译：提供了处理在线银行账单支付请求的技术。从在线银行账单支付网站的运营商接收到账单支付请求。经营者可能是银行。该请求是使用便携式消费者设备支付帐单。然后为发行者生成交易请求，并将其发送给发行方进行授权。然后，发行方发送一个响应，指示交易请求是否被批准或拒绝。如果交易被批准，则会生成一个汇款人的汇款信息。然后将汇款信息转发给在线银行账单支付网站的运营商，以转发给便携式消费者设备的用户。此外，汇款信息被发送给收单方或现金管理银行，该银行可将信息转发给与账单支付请求相关联的账单。

4. 发明授权

US08255327B2 System and method for issuer originated payments for on-line banking bill payments 有权
标题翻译：发行人的系统和方法发行在线银行账单支付
公开(公告)号：US08255327B2
公开(公告)日：2012-08-28
申请号：US13093660
申请日：2011-04-25
申请人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
发明人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102 , G06Q20/108 , G06Q20/40 , G06Q40/00
摘要： Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.
摘要翻译：提供了处理在线银行账单支付请求的技术。从在线银行账单支付网站的运营商接收到账单支付请求。经营者可能是银行。该请求是使用便携式消费者设备支付帐单。然后为发行者生成交易请求，并将其发送给发行方进行授权。然后，发行方发送一个响应，指示交易请求是否被批准或拒绝。如果交易被批准，则会生成一个汇款人的汇款信息。然后将汇款信息转发给在线银行账单支付网站的运营商，以转发给便携式消费者设备的用户。此外，汇款信息被发送给收单方或现金管理银行，该银行可将信息转发给与账单支付请求相关联的账单。

5. 发明申请

US20100205078A1 PUSH PAYMENT SYSTEM AND METHOD INCLUDING BILLING FILE EXCHANGE 有权
标题翻译：推送付款系统和方法，其中包括收费文件交换
公开(公告)号：US20100205078A1
公开(公告)日：2010-08-12
申请号：US12577609
申请日：2009-10-12
申请人： Kimberly Lawrence , Barbara Patterson
发明人： Kimberly Lawrence , Barbara Patterson
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00 , G06F17/30 , G06F15/16
CPC分类号： G06Q20/325 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/14 , G06Q20/32 , G06Q20/3223 , G06Q20/341 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for processing bill payments. A consumer may send a bill payment request online to a payment processing network, such as through an online bill payment interface. The payment processing network can coordinate with a non-bank acquirer to settle the bill payment with the biller. The liability for the transaction may fall on the issuer, who may be responsible for all parties fulfilling the transaction. The non-bank acquirer may coordinate among the various parties, but may not have liability for fulfillment of the transaction. The non-bank acquirer can deposit funds for the bill payment in a biller bank, and accounts receivable data can be sent to the biller for reconciliation of the bill.
摘要翻译：处理账单支付的系统和方法。消费者可以通过在线账单支付界面将支付请求在线发送到支付处理网络。支付处理网络可以与非银行收单方进行协调，以与账单结算账单支付。交易的责任可能落在发行人身上，发行人可能对履行交易的所有各方负责。非银行收购方可以协调各方之间的交易，但对履行交易可能无责任。非银行收单方可以在账单银行存入账单，可以将账单中的应收账款数据发送给账单。

6. 发明申请

US20060080243A1 System and method for issuer originated payments for on-line banking bill payments 有权
标题翻译：发行人的系统和方法发行在线银行账单支付
公开(公告)号：US20060080243A1
公开(公告)日：2006-04-13
申请号：US11217691
申请日：2005-08-31
申请人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
发明人： Lynn Kemper , Barbara Patterson , Kimberly Lawrence
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102 , G06Q20/108 , G06Q20/40 , G06Q40/00
摘要： Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.
摘要翻译：提供了处理在线银行账单支付请求的技术。从在线银行账单支付网站的运营商接收到账单支付请求。经营者可能是银行。该请求是使用便携式消费者设备支付帐单。然后为发行者生成交易请求，并将其发送给发行方进行授权。然后，发行方发送一个响应，指示交易请求是否被批准或拒绝。如果交易被批准，则会生成一个汇款人的汇款信息。然后将汇款信息转发给在线银行账单支付网站的运营商，以转发给便携式消费者设备的用户。此外，汇款信息被发送给收单方或现金管理银行，该银行可将信息转发给与账单支付请求相关联的账单。

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