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1. 发明授权

US07191149B1 Process for seeking authorization for present receipt of legal tender and associated system 失效
标题翻译：寻求当前收到法定货币和相关制度的授权程序
公开(公告)号：US07191149B1
公开(公告)日：2007-03-13
申请号：US09587400
申请日：2000-06-05
申请人： Timothy S. Lanham , Jeffrey T. Ricker , Brant A. Gluth , C. Michael Crosiar , John M. Baughman
发明人： Timothy S. Lanham , Jeffrey T. Ricker , Brant A. Gluth , C. Michael Crosiar , John M. Baughman
IPC分类号： G06Q40/00
CPC分类号： G06Q50/00 , G06Q20/027 , G06Q40/02 , G06Q40/025
摘要： A process and system for seeking authorization for present receipt of legal tender in a requested amount, including: receiving an input entered through a user interface, the input comprising a value for the requested amount (encoded information from an identification item may also be read); transmitting the input over a data transfer pathway to a remote processor; automatically determining whether authorization of the requested amount, or a lesser amount, is granted; and if authorization is so granted, reading indicia information on a post-dated draft item for a sum total equal to at least an authorized amount plus a fee (if a draft item is being used for the present receipt of tender), and automatically providing an article for use to effectuate the present receipt of the legal tender in this authorized amount. The indicia information is also preferably transmitted over the data transfer pathway. An intermediary may be employed in the process. The input value may be less than an amount due a requestor at a later date from a payor according to a current arrangement in effect between the requester and the payor (e.g., an employment arrangement); and in this case, a transmission of information to the payor can be included in the process to direct that a payment be made to the intermediary on the later date of the sum total. Also, a program code on a computer readable storage medium for seeking authorization for present receipt of legal tender in a requested amount is included.
摘要翻译：一种用于以请求的数量寻求当前收到法定货币的授权的过程和系统，包括：接收通过用户界面输入的输入，所述输入包括所请求的数量的值（也可以读取来自识别项目的编码信息） ; 通过数据传输路径将输入传送到远程处理器; 自动确定是否授予所要求的金额或较少的金额; 如果授权是如此授予的，则在过时的草案项目上阅读总额等于至少授权数额加费用的标签信息（如果草案项目正在用于当前收到的投标书），并自动提供用于以本授权金额实现当前收到的法定货币的文章。标记信息也优选地通过数据传送路径发送。在此过程中可以使用中介。输入值可能小于根据请求者和付款人之间有效的当前安排（例如，就业安排）从付款人以后的请求者应得的金额; 在这种情况下，向付款人发送信息可以包括在指示在总和的较后日期向中介机构进行支付的过程中。此外，还包括计算机可读存储介质上的程序代码，用于以请求的数量寻求当前收到的法定货币的授权。

2. 发明授权

US07555450B2 Process for seeking authorization for present receipt of legal tender and associated system 失效
标题翻译：寻求当前收到法定货币和相关制度的授权程序
公开(公告)号：US07555450B2
公开(公告)日：2009-06-30
申请号：US11712286
申请日：2007-02-27
申请人： Timothy S. Lanham , Jeffery T. Ricker , Brant A. Gluth , C. Michael Crosiar , John M. Baughman
发明人： Timothy S. Lanham , Jeffery T. Ricker , Brant A. Gluth , C. Michael Crosiar , John M. Baughman
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/027 , G06Q40/00 , G06Q40/025
摘要： A process and system for seeking authorization for present receipt of legal tender in a requested amount, including: receiving an input entered through a user interface, the input comprising a value for the requested amount (encoded information from an identification item may also be read); transmitting the input over a data transfer pathway to a remote processor; automatically determining whether authorization of the requested amount, or a lesser amount, is granted; and if authorization is so granted, reading indicia information on a post-dated draft item for a sum total equal to at least an authorized amount plus a fee (if a draft item is being used for the present receipt of tender), and automatically providing an article for use to effectuate the present receipt of the legal tender in this authorized amount. The indicia information is also preferably transmitted over the data transfer pathway. An intermediary may be employed in the process. The input value may be less than an amount due a requester at a later date from a payor according to a current arrangement in effect between the requester and the payor (e.g., an employment arrangement); and in this case, a transmission of information to the payor can be included in the process to direct that a payment be made to the intermediary on the later date. Also, a program code on a computer readable storage medium for seeking authorization for present receipt of legal tender in a requested amount.
摘要翻译：一种用于以请求的数量寻求当前收到法定货币的授权的过程和系统，包括：接收通过用户界面输入的输入，所述输入包括所请求的数量的值（也可以读取来自识别项目的编码信息） ; 通过数据传输路径将输入传送到远程处理器; 自动确定是否授予所要求的金额或较少的金额; 如果授权是如此授予的，则在过时的草案项目上阅读总额等于至少授权数额加费用的标签信息（如果草案项目正在用于当前收到的投标书），并自动提供用于以本授权金额实现当前收到的法定货币的文章。标记信息也优选地通过数据传送路径发送。在此过程中可以使用中介。输入值可以小于根据请求者和付款人之间有效的当前安排（例如，就业安排）从付款人以后的请求者应付的金额; 在这种情况下，向付款方发送信息可以包括在指示在稍后日期向中介机构进行支付的过程中。另外，在计算机可读存储介质上的程序代码，用于寻求授权以当前收到所请求的金额的法定货币。

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