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1. 发明申请

US20090228378A1 Method and System to Charge an Account 有权
标题翻译：收取帐户的方法和系统
公开(公告)号：US20090228378A1
公开(公告)日：2009-09-10
申请号：US12281106
申请日：2007-02-02
申请人： Zhaoxi Lu , Leiming Yuan
发明人： Zhaoxi Lu , Leiming Yuan
IPC分类号： G06Q20/00
CPC分类号： G06Q20/42 , G06Q20/10 , G06Q20/382 , G06Q30/04 , G06Q40/04 , G06Q40/12 , H04M17/00
摘要： The present invention provides an account charging method used for charging a user account over a network, including: establishing an intermediary account; saving a second user's charging amount sent by a first user in the intermediary account; and if a confirmation message of receiving a payment is received from the first user, transferring the said charging amount to an account of the second user. The invention facilitates and expedites the charging process, and thereby improves the account charging efficiency, fully utilizes network resources, and greatly reduces the cost of account charging. The intermediary account of the invention can ensure the security and integrity of the account charging process, and thus eliminates the bottleneck of too few online banking users and low maximum payment limitation of the public edition of online banking, increases network usage efficiency, and takes full advantages of speed, convenience and low cost of online transactions. This enables mass users to charge their accounts without having to activate online banking and without any limitation to maximum amount of payment.
摘要翻译：本发明提供一种用于通过网络对用户帐户进行计费的账户计费方法，包括：建立中介账户; 节省第一用户在中介帐户中发送的第二用户的计费金额; 并且如果从第一用户接收到接收到支付的确认消息，则将所述计费金额转移到第二用户的帐户。本发明有利于加快收费过程，从而提高帐户收费效率，充分利用网络资源，大大降低帐户收费成本。本发明的中介账户可以确保账户收费过程的安全性和完整性，从而消除网银流量过剩的瓶颈，网上银行公开版的最大限度的限制，提高网络使用效率，充分利用网络交易的速度，便利性和低成本的优势。这样一来，大众用户就可以自行收取帐户费用，而无需激活网上银行业务，也没有限制最大的付款金额。

2. 发明授权

US08793169B2 Method and system to charge an account 有权
标题翻译：收取账户的方法和系统
公开(公告)号：US08793169B2
公开(公告)日：2014-07-29
申请号：US12281106
申请日：2007-02-02
申请人： Zhaoxi Lu , Leiming Yuan
发明人： Zhaoxi Lu , Leiming Yuan
IPC分类号： G06Q40/00 , G06Q40/04 , H04M17/00
CPC分类号： G06Q20/42 , G06Q20/10 , G06Q20/382 , G06Q30/04 , G06Q40/04 , G06Q40/12 , H04M17/00
摘要： The present invention provides an account charging method used for charging a user account over a network, including: establishing an intermediary account; saving a second user's charging amount sent by a first user in the intermediary account; and if a confirmation message of receiving a payment is received from the first user, transferring the said charging amount to an account of the second user. The invention facilitates and expedites the charging process, and thereby improves the account charging efficiency, fully utilizes network resources, and greatly reduces the cost of account charging. The intermediary account of the invention can ensure the security and integrity of the account charging process, and thus eliminates the bottleneck of too few online banking users and low maximum payment limitation of the public edition of online banking, increases network usage efficiency, and takes full advantages of speed, convenience and low cost of online transactions. This enables mass users to charge their accounts without having to activate online banking and without any limitation to maximum amount of payment.
摘要翻译：本发明提供一种用于通过网络对用户帐户进行计费的账户计费方法，包括：建立中介账户; 节省第一用户在中介帐户中发送的第二用户的计费金额; 并且如果从第一用户接收到接收到支付的确认消息，则将所述计费金额转移到第二用户的帐户。本发明有利于加快收费过程，从而提高帐户收费效率，充分利用网络资源，大大降低帐户收费成本。本发明的中介账户可以确保账户收费过程的安全性和完整性，从而消除网银流量过剩的瓶颈，网上银行公开版的最大限度的限制，提高网络使用效率，充分利用网络交易的速度，便利性和低成本的优势。这样一来，大众用户就可以自行收取帐户费用，而无需激活网上银行业务，也没有限制最大的付款金额。

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