公开(公告)号：US20130060679A1

公开(公告)日：2013-03-07

申请号：US13225890

申请日：2011-09-06

申请人： Ilya Oskolkov ,  Rodion Shishkov

发明人： Ilya Oskolkov ,  Rodion Shishkov

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/02 ,  G06Q20/223 ,  G06Q20/322

摘要： Providing for third-party payments for mobile electronic commerce is described herein. By way of example, an electronic transaction initiated at a first subscriber account can be funded at least in part from a second subscriber account. Particularly, the first subscriber account associated with a mobile terminal can select an item for purchase with a content browsing application on the first mobile terminal. A request for payment can be sent from the first mobile terminal to a second mobile terminal, associated with the second subscriber account. Funds transferred from the second mobile terminal to a banking account associated with the first mobile terminal can then be utilized to purchase the item and complete the electronic transaction. In an aspect, information pertaining to respective accounts can be masked from respective subscribers to provide financial privacy in conjunction with third party financing of electronic commerce.

摘要翻译： 本文描述了为移动电子商务提供第三方支付。 作为示例，在第一用户帐户发起的电子交易可以至少部分地从第二用户帐户资助。 特别地，与移动终端相关联的第一用户帐户可以在第一移动终端上使用内容浏览应用选择要购买的项目。 支付请求可以从第一移动终端发送到与第二用户帐户相关联的第二移动终端。 然后可以利用从第二移动终端转移到与第一移动终端相关联的银行账户的资金来购买该项目并完成该电子交易。 在一方面，可以从相应的用户掩盖与相应帐户有关的信息，以提供电子商务的第三方融资的财务隐私。

公开(公告)号：US20130060678A1

公开(公告)日：2013-03-07

申请号：US13225860

申请日：2011-09-06

申请人： Ilya Oskolkov ,  Rodion Shishkov

发明人： Ilya Oskolkov ,  Rodion Shishkov

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/322

摘要： Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations.

摘要翻译： 描述了电子支付系统及其支持方法和装置。 例如，所公开的主题描述了被配置为接收与一组电子识别信息（例如用户的电话ID，电子邮件，即时消息等）中的一个或多个相关联的电子金融交易的聚合事务帐户功能和相关功能。 所公开的细节可以根据系统设计和权衡考虑进行各种改进和修改。

公开(公告)号：US20140074688A1

公开(公告)日：2014-03-13

申请号：US13615053

申请日：2012-09-13

申请人： Simon Shvarts ,  Ilya Oskolkov ,  Rodion Shishkov

发明人： Simon Shvarts ,  Ilya Oskolkov ,  Rodion Shishkov

IPC分类号： G06Q40/00 ,  G06Q40/02

CPC分类号： G06Q40/025 ,  G06Q30/02 ,  G06Q40/02 ,  G06Q40/08

摘要： A financial interaction related to a set of financial behaviors is facilitated. The financial interaction drives behaviors to affect a real-time credit risk, and the visualization of alterations (increases and decreases) of the credit risk as direct feedback. The system demonstrates how behaviors identified in the financial interaction affect credit risk. Based on the financial interaction, estimates can be made of a financial score and presented in a display.

摘要翻译： 与一系列金融行为有关的金融互动是有益的。 金融互动驱动行为影响实时信用风险，并将信用风险变动（增减）视为直接反馈。 该系统演示了金融交互中确定的行为如何影响信用风险。 基于财务互动，可以对财务分数进行估计，并在显示中显示。

公开(公告)号：US20130138552A1

公开(公告)日：2013-05-30

申请号：US13305284

申请日：2011-11-28

申请人： Ilya Oskolkov ,  Rodion Shishkov

发明人： Ilya Oskolkov ,  Rodion Shishkov

IPC分类号： G06Q20/24 ,  G06Q40/02

CPC分类号： G06Q20/24 ,  G06Q40/02 ,  G06Q40/025

摘要： Technologies are generally described for systems and methods effective to create and use a unified charging system that provides instant loans in a networking environment. In an example, a loan can be provided when a payment at an online shopping site, such as an online shopping portal, is rejected due to insufficient funds. The loan can be automatic, or the loan can be provided in response to acceptance of a loan offer. In another example, pre-approved credit can be used to pay at an online shopping site when the cash and credit accounts associated with a virtual charging account have insufficient funds to complete the transaction. The payment can consist of a portion, or all of the pre-approved credit. The pre-approved credit can be granted on request, or can be automatically provided based on an analysis of open source information about the holder of the virtual charging account.

摘要翻译： 一般来说，技术被用于有效地创建和使用在网络环境中提供即时贷款的统一计费系统的系统和方法。 例如，当网路购物网站（如在线购物门户网站）的付款由于资金不足而被拒绝时，可以提供贷款。 贷款可以是自动的，或者可以提供贷款以响应接受贷款提议。 在另一个例子中，当与虚拟计费帐户相关联的现金和信用账户没有足够的资金来完成交易时，预先批准的信用可以用于在在线购物站点支付。 付款可以包含一部分或全部预先核准的信用额度。 可以根据请求授予预先批准的信用额，也可以根据对虚拟收费账户持有人的开源信息的分析自动提供。

公开(公告)号：US20130060708A1

公开(公告)日：2013-03-07

申请号：US13226362

申请日：2011-09-06

申请人： Ilya Oskolkov ,  Rodion Shishkov

发明人： Ilya Oskolkov ,  Rodion Shishkov

IPC分类号： G06Q20/00 ,  H04L9/32

CPC分类号： G06Q20/10 ,  G06Q20/3223

摘要： Techniques for efficient transfer of funds between parties using personal communication devices are presented. A sender can use a first communication device to transfer funds from an account associated with the sender to a recipient via a communication address associated with the recipient's second communication device even if the recipient is not registered with a financial service provider associated with the account of the sender, without requiring the recipient to travel to a physical office or present a physical personal identification to obtain the funds. A transfer fund request can include the recipient's communication address, and a fund transfer message, comprising a link that facilitates retrieving the funds, can be sent to the recipient's communication address, and the recipient can be validated based on the communication address and/or a validation code. When validated, the funds can be made available to the recipient via an account of the recipient.

摘要翻译： 介绍了使用个人通信设备在各方之间有效转移资金的技术。 发件人可以使用第一通信设备，通过与接收者的第二通信设备相关联的通信地址将资金从与发送者相关联的帐户转移到接收者，即使接收者没有向与金融服务提供商相关联的金融服务提供商注册 发件人，而不要求收件人前往实体办公室或出示身体个人身份证件以获得资金。 转移资金请求可以包括收件人的通信地址，并且可以将包括便于检索资金的链接的资金转移消息发送到接收者的通信地址，并且接收者可以基于通信地址和/或 验证码。 验证后，可以通过收件人的帐户向收件人提供资金。

公开(公告)号：US20130060693A1

公开(公告)日：2013-03-07

申请号：US13226163

申请日：2011-09-06

申请人： Ilya Oskolkov ,  Rodion Shishkov

发明人： Ilya Oskolkov ,  Rodion Shishkov

IPC分类号： G06Q40/00

CPC分类号： G06Q20/227 ,  G06Q20/3223 ,  G06Q20/351 ,  G06Q20/383

摘要： Technologies are generally described for systems and methods effective to create and use a unified charging system in a networking environment. In an example, a virtual charging card can be created and authenticated, and cash and credit accounts can be associated with the virtual charging card, and billing accounts can also be associated. In another example, a virtual charging card can be initialized when checking out at a shopping portal, and display a list of cash and credit accounts affiliated with the virtual charging card. One or more of the cash and credit accounts can be selected, and payment transferred to the shopping portal via the virtual charging card, masking the identity of the owner of the cash and credit accounts.

摘要翻译： 一般来说，对于在网络环境中创建和使用统一计费系统有效的系统和方法，都会描述技术。 在一个示例中，可以创建虚拟计费卡并进行认证，并且可以将现金和信用账户与虚拟计费卡相关联，并且计费帐户也可以相关联。 在另一个例子中，可以在购物门户登出时初始化虚拟充电卡，并显示与虚拟充电卡相关联的现金和信用账户的列表。 可以选择一个或多个现金和信用账户，并通过虚拟计费卡将付款转移到购物门户，掩盖现金和信用账户所有者的身份。

公开(公告)号：US20130060690A1

公开(公告)日：2013-03-07

申请号：US13225724

申请日：2011-09-06

申请人： Ilya Oskolkov ,  Rodion Shishkov

发明人： Ilya Oskolkov ,  Rodion Shishkov

IPC分类号： G06Q40/02 ,  G06Q20/32 ,  G06Q20/40

CPC分类号： G06Q20/42 ,  G06Q20/32 ,  G06Q20/405 ,  G06Q40/02

摘要： Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations.