公开(公告)号：US08818893B2

公开(公告)日：2014-08-26

申请号：US13218602

申请日：2011-08-26

申请人： Howard O. Weinstein ,  William E. Thomas ,  Daniel M. Whipple ,  Christopher Hope ,  Savit A. Pirl ,  Milton Santiago, Jr.

发明人： Howard O. Weinstein ,  William E. Thomas ,  Daniel M. Whipple ,  Christopher Hope ,  Savit A. Pirl ,  Milton Santiago, Jr.

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02

摘要： Apparatus and methods for providing a dynamic payment generator are provided. A customer of a financial institution may desire to conduct a transaction involving a transferor or transferee financial institution without prior knowledge regarding unique and specific information required by the transferor or transferee institution. In some embodiments, apparatus and methods may detect information entered by the customer and dynamically prompt the customer for additional information required by the transferor or transferee institution. Apparatus and methods may pre-fill fields on a form displayed to the customer with information required by the transferor or transferee institution.

摘要翻译： 提供了用于提供动态支付发生器的装置和方法。 金融机构的客户可能希望进行涉及转让方或受让人金融机构的交易，而无需事先了解转让方或受让机构所要求的独特和具体信息。 在一些实施例中，设备和方法可以检测由客户输入的信息，并动态地提示客户获得转让方或受让机构所要求的附加信息。 装置和方法可以通过转让方或受让机构所要求的信息，预先填写向客户显示的表格上的字段。

公开(公告)号：US20120323784A1

公开(公告)日：2012-12-20

申请号：US13218602

申请日：2011-08-26

申请人： Howard O. Weinstein ,  William E. Thomas ,  Daniel M. Whipple ,  Christopher Hope ,  Savit A. Pirl

发明人： Howard O. Weinstein ,  William E. Thomas ,  Daniel M. Whipple ,  Christopher Hope ,  Savit A. Pirl

IPC分类号： G06Q20/00

CPC分类号： G06Q40/02

摘要： Apparatus and methods for providing a dynamic payment generator are provided. A customer of a financial institution may desire to conduct a transaction involving a transferor or transferee financial institution without prior knowledge regarding unique and specific information required by the transferor or transferee institution. In some embodiments, apparatus and methods may detect information entered by the customer and dynamically prompt the customer for additional information required by the transferor or transferee institution. Apparatus and methods may pre-fill fields on a form displayed to the customer with information required by the transferor or transferee institution.

摘要翻译： 提供了用于提供动态支付发生器的装置和方法。 金融机构的客户可能希望进行涉及转让方或受让人金融机构的交易，而无需事先了解转让方或受让机构所要求的独特和具体信息。 在一些实施例中，设备和方法可以检测由客户输入的信息，并动态地提示客户获得转让方或受让机构所要求的附加信息。 装置和方法可以通过转让方或受让机构所要求的信息，预先填写向客户显示的表格上的字段。

公开(公告)号：US20120323775A1

公开(公告)日：2012-12-20

申请号：US13218607

申请日：2011-08-26

申请人： Howard O. Weinstein ,  William E. Thomas ,  Daniel M. Whipple ,  Christopher Hope ,  Savit A. Pirl

发明人： Howard O. Weinstein ,  William E. Thomas ,  Daniel M. Whipple ,  Christopher Hope ,  Savit A. Pirl

IPC分类号： G06Q40/00 ,  G06F17/30

CPC分类号： G06Q40/00

摘要： Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction. The field(s) associated with the attachment may be searchable. Such fields may be searchable by a characteristic of the attachment. Characteristics may include content of the attachment of an electronic format of the attachment.

摘要翻译： 提供了用于改进在线账单支付处理的装置和方法。 在线账单支付通常涉及付款方（付款人），中介人（如银行，缴费服务或付款网络）和收款人。 在一些实施例中，装置和方法可以提供可以从付款人（发起者）传送到收款人（接收方）的可选文件附件。 这种附件可能包括签署的产品或服务合同，具有付款描述细节的付款存根，正在购买的商品的照片或付款人希望与支付交易相关的任何其他文件。 与附件相关联的字段可以是可搜索的。 可以通过附件的特征来搜索这些字段。 特征可以包括附件的电子格式的附件的内容。

公开(公告)号：US20120323768A1

公开(公告)日：2012-12-20

申请号：US13218613

申请日：2011-08-26

申请人： Howard O. Weinstein ,  William E. Thomas ,  Daniel M. Whipple ,  Christopher Hope ,  Savit A. Pirl

发明人： Howard O. Weinstein ,  William E. Thomas ,  Daniel M. Whipple ,  Christopher Hope ,  Savit A. Pirl

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02

摘要： Apparatus and methods for communicating a notification of a status of a payment are provided. The payment may be an electronic payment. The apparatus and methods may involve receiving an electronic request from a payor to transmit a payment to a payee. The status of a payment may include steps that have been completed, have not been completed, and/or are currently in progress in a process of fulfilling the payor's request. Status may include an estimate of time remaining until the fulfillment process is completed. The electronic request may include a notification preference. A notification preference may include a destination for receiving the notification. A method of communicating a notification may include any suitable paper or electronic communication method. The notification may be automatically stored in a database for future reference.

摘要翻译： 提供了用于传达支付状态通知的装置和方法。 付款可能是电子支付。 该装置和方法可以包括从付款人接收电子请求以将付款发送给收款人。 付款状态可能包括在履行付款人请求的过程中已完成，尚未完成和/或正在进行的步骤。 状态可能包括到达完成过程之前的剩余时间的估计。 电子请求可以包括通知偏好。 通知偏好可以包括用于接收通知的目的地。 传达通知的方法可以包括任何合适的纸或电子通信方法。 该通知可以自动存储在数据库中以供将来参考。