公开(公告)号：US08655778B2

公开(公告)日：2014-02-18

申请号：US12722152

申请日：2010-03-11

申请人： Gordon L. B. Smith, Jr. ,  Emiko Gordon ,  Dennis Lee

发明人： Gordon L. B. Smith, Jr. ,  Emiko Gordon ,  Dennis Lee

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q20/105 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/08

摘要： Methods and systems of processing a plurality of payments. One method can include receiving the plurality of payments from a plurality of customers, the plurality of payments payable to at least one receiver, determining a first set of payments included in the plurality of payments to automatically accept based on validation parameters, determining a second set of payments included in the plurality of payments to reject based on the validation parameters, determining a third set of payments included in the plurality of payments to conditionally accept based on the validation parameters, and electronically prompting at least one user to accept or reject payments included in the third set of payments.

摘要翻译： 处理多个付款的方法和系统。 一种方法可以包括从多个客户接收多个付款，支付给至少一个接收者的多个付款，基于验证参数确定包括在多个付款中的第一组付款以自动接受，确定第二组 基于验证参数包括在多个付款中的付款被拒绝，基于验证参数确定包括在多个付款中的第三组付款以有条件地接受，并且电子地提示至少一个用户接受或拒绝包括的付款 在第三笔付款中。

公开(公告)号：US07680737B2

公开(公告)日：2010-03-16

申请号：US11482187

申请日：2006-07-06

申请人： Gordon L. B. Smith, Jr. ,  Emiko Gordon ,  Dennis Lee

发明人： Gordon L. B. Smith, Jr. ,  Emiko Gordon ,  Dennis Lee

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q20/105 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/08

摘要： Methods and systems of processing a plurality of payments. One method can include receiving the plurality of payments from a plurality of customers, the plurality of payments payable to at least one receiver, determining a first set of payments included in the plurality of payments to automatically accept based on validation parameters, determining a second set of payments included in the plurality of payments to reject based on the validation parameters, determining a third set of payments included in the plurality of payments to conditionally accept based on the validation parameters, and electronically prompting at least one user to accept or reject payments included in the third set of payments.

摘要翻译： 处理多个付款的方法和系统。 一种方法可以包括从多个客户接收多个付款，支付给至少一个接收者的多个付款，基于验证参数确定包括在多个付款中的第一组付款以自动接受，确定第二组 基于验证参数包括在多个付款中的付款被拒绝，基于验证参数确定包括在多个付款中的第三组付款以有条件地接受，并且电子地提示至少一个用户接受或拒绝包括的付款 在第三笔付款中。

公开(公告)号：US20100169216A1

公开(公告)日：2010-07-01

申请号：US12722152

申请日：2010-03-11

申请人： Gordon L.B. Smith, JR. ,  Emiko Gordon ,  Dennis Lee

发明人： Gordon L.B. Smith, JR. ,  Emiko Gordon ,  Dennis Lee

IPC分类号： G06Q20/00 ,  G06F3/048

CPC分类号： G06Q20/40 ,  G06Q20/105 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/08

摘要： Methods and systems of processing a plurality of payments. One method can include receiving the plurality of payments from a plurality of customers, the plurality of payments payable to at least one receiver, determining a first set of payments included in the plurality of payments to automatically accept based on validation parameters, determining a second set of payments included in the plurality of payments to reject based on the validation parameters, determining a third set of payments included in the plurality of payments to conditionally accept based on the validation parameters, and electronically prompting at least one user to accept or reject payments included in the third set of payments.

摘要翻译： 处理多个付款的方法和系统。 一种方法可以包括从多个客户接收多个付款，支付给至少一个接收者的多个付款，基于验证参数确定包括在多个付款中的第一组付款以自动接受，确定第二组 基于验证参数包括在多个付款中的付款被拒绝，基于验证参数确定包括在多个付款中的第三组付款以有条件地接受，并且电子地提示至少一个用户接受或拒绝包括的付款 在第三笔付款中。

公开(公告)号：US20080010200A1

公开(公告)日：2008-01-10

申请号：US11482187

申请日：2006-07-06

申请人： Gordon L.B. Smith ,  Emiko Gordon ,  Dennis Lee

发明人： Gordon L.B. Smith ,  Emiko Gordon ,  Dennis Lee

IPC分类号： G06Q40/00

CPC分类号： G06Q20/40 ,  G06Q20/105 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/08

摘要： Methods and systems of processing a plurality of payments. One method can include receiving the plurality of payments from a plurality of customers, the plurality of payments payable to at least one receiver, determining a first set of payments included in the plurality of payments to automatically accept based on validation parameters, determining a second set of payments included in the plurality of payments to reject based on the validation parameters, determining a third set of payments included in the plurality of payments to conditionally accept based on the validation parameters, and electronically prompting at least one user to accept or reject payments included in the third set of payments.

摘要翻译： 处理多个付款的方法和系统。 一种方法可以包括从多个客户接收多个付款，支付给至少一个接收者的多个付款，基于验证参数确定包括在多个付款中的第一组付款以自动接受，确定第二组 基于验证参数包括在多个付款中的付款被拒绝，基于验证参数确定包括在多个付款中的第三组付款以有条件地接受，并且电子地提示至少一个用户接受或拒绝包括的付款 在第三笔付款中。

公开(公告)号：US08744959B2

公开(公告)日：2014-06-03

申请号：US12191112

申请日：2008-08-13

申请人： Gordon Smith ,  Terry Wallace ,  Emiko Gordon ,  Matt Canetto

发明人： Gordon Smith ,  Terry Wallace ,  Emiko Gordon ,  Matt Canetto

IPC分类号： G06Q30/04

CPC分类号： G06Q20/102 ,  G06Q20/02 ,  G06Q20/14 ,  G06Q20/22 ,  G06Q20/322 ,  G06Q30/04 ,  G06Q40/02

摘要： A system for third party bill payment services used by a payer to pay a biller with whom a payer has an account includes a third party computer system for accessing biller data, the biller data for the payer comprising at least one account identifier, an amount due, and a nominal bill due date; a payment option generator for developing at least one payment option wherein the payment specified is responsive to a difference between a proposed payment date and the nominal bill due date; a payer interface for presenting the at least one payment option to the payer and for accepting a payer option selection and a payment funding confirmation; and a payment execution controller responsive to the payer option selection and funding confirmation, for initiating payment to a biller account on behalf of the payer.

摘要翻译： 用于支付者支付付款人具有账户的账单的第三方账单支付服务的系统包括用于访问帐单数据的第三方计算机系统，用于支付者的账单数据包括至少一个帐户标识符，应付金额 ，以及名义账单到期日; 用于开发至少一个支付选项的支付选项发生器，其中所指定的支付响应于建议的支付日期与名义账单到期日之间的差异; 用于向付款人呈现至少一个支付选项并用于接受付款人选项选择和支付资金确认的付款者界面; 以及响应于付款者选项选择和资金确认的支付执行控制器，用于代表付款人发起向账单账户的支付。

公开(公告)号：US20110320349A1

公开(公告)日：2011-12-29

申请号：US12824996

申请日：2010-06-28

申请人： Leslie Olsen ,  Emiko Gordon ,  Alan Lane ,  Eric Hathaway

发明人： Leslie Olsen ,  Emiko Gordon ,  Alan Lane ,  Eric Hathaway

IPC分类号： G06Q40/00 ,  G06Q50/00

CPC分类号： G06Q40/02 ,  G06Q20/102 ,  G06Q50/163

摘要： A system operated by a non-bank financial institution (NBFI) for receiving and processing payments made by renters to property management companies, and method of use therefor, are disclosed. The NBFI provides an electronic payment platform for accepting payments from renters of one or more rental communities owned or managed by one or more property management companies. The NBFI platform processes and directs rental payment to the payment processing systems of a partner bank or other financial institution which has bank accounts owned by the rental communities or property management companies. The partner bank directs the renters' payments into the appropriate account after processing. The NBFI creates and maintains records of all such transactions which are received through its platform, and provides the partner bank and rental communities with access to records in standardized format, such as a format compatible with existing property management or bank software, including any processing and convenience fee information.

摘要翻译： 披露了由非银行金融机构（NBFI）负责接收和处理租赁人向物业管理公司支付的款项及其使用方法的系统。 NBFI提供一个电子支付平台，用于接受由一个或多个物业管理公司拥有或管理的一个或多个租赁社区的租户的付款。 NBFI平台处理和指导租赁支付给合作银行或其他具有由租赁社区或物业管理公司拥有的银行账户的其他金融机构的支付处理系统。 合作银行处理后将租赁者的付款转入适当的账户。 NBFI创建并维护通过其平台接收的所有此类交易的记录，并向合作伙伴银行和租赁社区提供以标准格式记录的访问权限，例如与现有财产管理或银行软件兼容的格式，包括任何处理和 便利费信息。

公开(公告)号：US20100042537A1

公开(公告)日：2010-02-18

申请号：US12191112

申请日：2008-08-13

申请人： Gordon Smith ,  Terry Wallace ,  Emiko Gordon ,  Matt Canetto

发明人： Gordon Smith ,  Terry Wallace ,  Emiko Gordon ,  Matt Canetto

IPC分类号： G06Q40/00

CPC分类号： G06Q20/102 ,  G06Q20/02 ,  G06Q20/14 ,  G06Q20/22 ,  G06Q20/322 ,  G06Q30/04 ,  G06Q40/02

摘要： A system for third party bill payment services is provided. CONFORM TO BROAD CLAIM

摘要翻译： 提供了第三方账单支付服务系统。 符合广泛要求