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1. 发明申请

US20090006205A1 Consolidated Payment Options 有权
标题翻译：合并付款方式
公开(公告)号：US20090006205A1
公开(公告)日：2009-01-01
申请号：US12134066
申请日：2008-06-05
申请人： Matt Bixler , Robert Newton , Dean Seifert , Dave Owen , Elizabeth Petri
发明人： Matt Bixler , Robert Newton , Dean Seifert , Dave Owen , Elizabeth Petri
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q10/00
CPC分类号： G06Q20/14 , G06Q10/0833 , G06Q20/10 , G06Q20/102 , G06Q30/0236 , G06Q30/04 , G06Q40/02
摘要： A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.
摘要翻译：披露了财务转移服务用户之间进行财务转移的系统。系统可以包括接收用户接口（RSI），发送用户接口（SSI）和代理服务器（AS）。 RSI可以被配置为接受包括目的地帐户的标识符的一组发票信息。 SSI可以被配置为接受包括源帐户的标识符的一组支付信息。可以将AS配置为接收一组发票信息，并根据发票信息集创建发票。 AS还可以被配置为发送发票并接收一组支付信息。 AS还可以被配置为使得一定数量的资金从源传输网络上的源帐户经由主要传输网络传送到目的地传送网络上的目的地帐户。

2. 发明授权

US08725637B2 Methods and systems for generating invoices 有权
标题翻译：用于生成发票的方法和系统
公开(公告)号：US08725637B2
公开(公告)日：2014-05-13
申请号：US11864467
申请日：2007-09-28
申请人： Matt Bixler , Robert Newton , Dean Seifert , Dave Owen , Elizabeth Petri
发明人： Matt Bixler , Robert Newton , Dean Seifert , Dave Owen , Elizabeth Petri
IPC分类号： G06Q40/00 , G06Q30/04 , G06Q20/10 , G06Q40/02
CPC分类号： G06Q40/00 , G06Q20/102 , G06Q30/04 , G06Q40/02
摘要： This disclosure describes, generally, methods and systems for generating electronic invoices. The method may include logging on to an online invoicing service account, and looking up a customer account from multiple customers associated with the online invoicing service account. The method may further include selecting the customer account that has a pending financial transaction with a biller. A request for an electronic invoice to be generated for the selected customer is initiated and the electronic invoice may be transmitted to the selected customer.
摘要翻译：本公开一般地描述了用于生成电子发票的方法和系统。该方法可以包括登录到在线发票服务帐户，以及从与在线开票服务帐户相关联的多个客户查找客户账户。该方法可以进一步包括选择具有与帐单者的待决金融交易的客户帐户。启动对所选客户生成电子发票的请求，并将电子发票发送给所选客户。

3. 发明授权

US07865439B2 Systems and methods for verifying identities 有权
标题翻译：用于验证身份的系统和方法
公开(公告)号：US07865439B2
公开(公告)日：2011-01-04
申请号：US11923481
申请日：2007-10-24
申请人： Dean Seifert , Matt Bixler , Dave Owen , Elizabeth Petri
发明人： Dean Seifert , Matt Bixler , Dave Owen , Elizabeth Petri
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/10 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. In other embodiments, a method for pre-verifying the identity of a party and a system for performing the method of the invention are provided.
摘要翻译：提供了代表另一方验证一方身份的方法。该方法包括提供汇款系统和与汇款系统通信的通信系统; 从第一方接收货币转移系统确定第二方身份的某些验证标准; 并将验证标准存储在汇款系统的主计算机系统中。当在货币转移位置从第二方接收到ID时; 从主机系统检索验证标准; 并且根据验证标准确定ID的可接受性。如果识别装置是可接受的，则从识别装置获得识别信息; 并处理识别信息以验证第二方的身份。在其他实施例中，提供了用于预验证用于执行本发明的方法的一方的身份和系统的方法。

4. 发明申请

US20090112754A1 SYSTEMS AND METHODS FOR VERIFYING IDENTITIES 有权
标题翻译：用于验证身份的系统和方法
公开(公告)号：US20090112754A1
公开(公告)日：2009-04-30
申请号：US11923481
申请日：2007-10-24
申请人： Dean Seifert , Matt Bixler , Dave Owen , Elizabeth Petri
发明人： Dean Seifert , Matt Bixler , Dave Owen , Elizabeth Petri
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/10 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. In other embodiments, a method for pre-verifying the identity of a party and a system for performing the method of the invention are provided.
摘要翻译：提供了代表另一方验证一方身份的方法。该方法包括提供汇款系统和与汇款系统通信的通信系统; 从第一方接收货币转移系统确定第二方身份的某些验证标准; 并将验证标准存储在汇款系统的主计算机系统中。当在货币转移位置从第二方接收到ID时; 从主机系统检索验证标准; 并且根据验证标准确定ID的可接受性。如果识别装置是可接受的，则从识别装置获得识别信息; 并处理识别信息以验证第二方的身份。在其他实施例中，提供了用于预验证用于执行本发明的方法的一方的身份和系统的方法。

5. 发明授权

US08468096B2 Systems and methods for verifying identities 有权
标题翻译：用于验证身份的系统和方法
公开(公告)号：US08468096B2
公开(公告)日：2013-06-18
申请号：US12953291
申请日：2010-11-23
申请人： Dean Seifert , Matt Bixler , Dave Owen , Elizabeth Petri
发明人： Dean Seifert , Matt Bixler , Dave Owen , Elizabeth Petri
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/10 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. In other embodiments, a method for pre-verifying the identity of a party and a system for performing the method of the invention are provided.
摘要翻译：提供了代表另一方验证一方身份的方法。该方法包括提供汇款系统和与汇款系统通信的通信系统; 从第一方接收货币转移系统确定第二方身份的某些验证标准; 并将验证标准存储在汇款系统的主计算机系统中。当在货币转移位置从第二方接收到ID时; 从主机系统检索验证标准; 并且根据验证标准确定ID的可接受性。如果识别装置是可接受的，则从识别装置获得识别信息; 并处理识别信息以验证第二方的身份。在其他实施例中，提供了用于预验证用于执行本发明的方法的一方的身份和系统的方法。

6. 发明申请

US20110066553A1 SYSTEMS AND METHODS FOR VERIFYING IDENTITIES 有权
标题翻译：用于验证身份的系统和方法
公开(公告)号：US20110066553A1
公开(公告)日：2011-03-17
申请号：US12953291
申请日：2010-11-23
申请人： Dean Seifert , Matt Bixler , Dave Owen , Elizabeth Petri
发明人： Dean Seifert , Matt Bixler , Dave Owen , Elizabeth Petri
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4014 , G06Q20/02 , G06Q20/10 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. In other embodiments, a method for pre-verifying the identity of a party and a system for performing the method of the invention are provided.
摘要翻译：提供了代表另一方验证一方身份的方法。该方法包括提供汇款系统和与汇款系统通信的通信系统; 从第一方接收货币转移系统确定第二方身份的某些验证标准; 并将验证标准存储在汇款系统的主计算机系统中。当在货币转移位置从第二方接收到ID时; 从主机系统检索验证标准; 并且根据验证标准确定ID的可接受性。如果识别装置是可接受的，则从识别装置获得识别信息; 并处理识别信息以验证第二方的身份。在其他实施例中，提供了用于预验证用于执行本发明的方法的一方的身份和系统的方法。

7. 发明申请

US20090089209A1 METHODS AND SYSTEMS FOR GENERATING INVOICES 有权
标题翻译：用于生成发票的方法和系统
公开(公告)号：US20090089209A1
公开(公告)日：2009-04-02
申请号：US11864467
申请日：2007-09-28
申请人： Matt Bixler , Robert Newton , Dean Seifert , Dave Owen , Elizabeth Petri
发明人： Matt Bixler , Robert Newton , Dean Seifert , Dave Owen , Elizabeth Petri
IPC分类号： G06Q30/00 , G06F17/30 , G06F17/40
CPC分类号： G06Q40/00 , G06Q20/102 , G06Q30/04 , G06Q40/02
摘要： This disclosure describes, generally, methods and systems for generating electronic invoices. The method may include logging on to an online invoicing service account, and looking up a customer account from multiple customers associated with the online invoicing service account. The method may further include selecting the customer account that has a pending financial transaction with a biller. A request for an electronic invoice to be generated for the selected customer is initiated and the electronic invoice may be transmitted to the selected customer.
摘要翻译：本公开一般地描述了用于生成电子发票的方法和系统。该方法可以包括登录到在线发票服务帐户，以及从与在线开票服务帐户相关联的多个客户查找客户账户。该方法可以进一步包括选择具有与帐单者的待决金融交易的客户帐户。启动对所选客户生成电子发票的请求，并将电子发票发送给所选客户。

8. 发明申请

US20090006250A1 METHODS AND SYSTEMS FOR TRACKING AND REPORTING FINANCIAL TRANSACTIONS 审中-公开
标题翻译：跟踪和报告财务交易的方法和系统
公开(公告)号：US20090006250A1
公开(公告)日：2009-01-01
申请号：US12123856
申请日：2008-05-20
申请人： Matt Bixler , Robert Newton , Dean Seifert , Dave Owen , Elizabeth Petri
发明人： Matt Bixler , Robert Newton , Dean Seifert , Dave Owen , Elizabeth Petri
IPC分类号： G06Q90/00
CPC分类号： G06Q40/02 , G06Q20/10
摘要： This disclosure describes, generally, methods and systems for tracking and reporting multiple financial transactions. The method may include initiating a financial transaction by a user at an interface. The financial transaction may include multiple transactional steps. The method may further include generating notifications corresponding to the plurality of transactional steps. A first notification may be configured to indicate to the user that payment for the transaction has been initiated. A second notification may be configured to indicate to the user that the transaction has been processed and released for payment, and a third notification may be configured to indicate to the user that the transaction's funds have been made available.
摘要翻译：本公开一般地描述用于跟踪和报告多个金融交易的方法和系统。该方法可以包括由用户在界面处发起金融交易。金融交易可能包括多个交易步骤。该方法还可以包括生成与多个事务步骤相对应的通知。可以将第一通知配置为向用户指示已经启动了交易的支付。第二通知可以被配置为向用户指示交易已被处理并被释放用于支付，并且第三通知可以被配置为向用户指示交易的资金已经可用。

9. 发明授权

US08521648B2 Consolidated payment options 有权
标题翻译：综合付款方式
公开(公告)号：US08521648B2
公开(公告)日：2013-08-27
申请号：US12134066
申请日：2008-06-05
申请人： Matt Bixler , Robert Newton , Dean Seifert , Dave Owen , Elizabeth Petri
发明人： Matt Bixler , Robert Newton , Dean Seifert , Dave Owen , Elizabeth Petri
IPC分类号： G06Q40/00
CPC分类号： G06Q20/14 , G06Q10/0833 , G06Q20/10 , G06Q20/102 , G06Q30/0236 , G06Q30/04 , G06Q40/02
摘要： A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.
摘要翻译：披露了财务转移服务用户之间进行财务转移的系统。系统可以包括接收用户接口（RSI），发送用户接口（SSI）和代理服务器（AS）。 RSI可以被配置为接受包括目的地帐户的标识符的一组发票信息。 SSI可以被配置为接受包括源帐户的标识符的一组支付信息。可以将AS配置为接收一组发票信息，并根据发票信息集创建发票。 AS还可以被配置为发送发票并接收一组支付信息。 AS还可以被配置为使得一定数量的资金从源传输网络上的源帐户经由主要传输网络传送到目的地传输网络上的目的地帐户。

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