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    SYSTEM AND METHOD FOR PERFORMING PERSON-TO-PERSON FUNDS TRANSFERS VIA WIRELESS COMMUNICATIONS
    17.
    发明申请
    SYSTEM AND METHOD FOR PERFORMING PERSON-TO-PERSON FUNDS TRANSFERS VIA WIRELESS COMMUNICATIONS 有权
    通过无线通信执行人员转移的系统和方法

    公开(公告)号：US20080270300A1

    公开(公告)日：2008-10-30

    申请号：US11741170

    申请日：2007-04-27

    申请人： Jessica U. Jones ,  Lee J. Peart ,  Blayn W. Beenau ,  Peter D. Saunders

    发明人： Jessica U. Jones ,  Lee J. Peart ,  Blayn W. Beenau ,  Peter D. Saunders

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/10 ,  G06Q20/105 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q40/02

    摘要： A funds-transfer system includes a processor and a memory storing control logic for causing the processor to enable a buyer to transfer funds to a seller via a mobile telephone. The control logic includes program code for causing the processor to receive a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The control logic also includes program code for causing the processor to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller. Additionally, the control logic includes program code for causing the processor to provide a payment acknowledgment to the buyer's mobile telephone and to the seller.

    摘要翻译： 资金转移系统包括处理器和存储控制逻辑的存储器，用于使处理器使得买方能够经由移动电话向卖方转移资金。 控制逻辑包括用于使处理器接收从买方的移动电话发送的支付请求的程序代码。 付款请求是将资金从买方持有的金融账户转移到卖方持有的金融账户，并且从存储在买方移动电话中的支付应用程序发送支付请求。 付款请求确定要转移的购买金额，以及识别买方持有的金融账户的信息。 控制逻辑还包括用于使处理器向购买者持有的金融账户收取购买金额并将购买金额转移到卖方持有的金融账户的程序代码。 此外，控制逻辑包括用于使处理器向买方的移动电话和卖方提供支付确认的程序代码。

    System and method for performing person-to-person funds transfers via wireless communications
    20.
    发明授权
    System and method for performing person-to-person funds transfers via wireless communications 有权
    通过无线通信执行个人到个人资金转移的系统和方法

    公开(公告)号：US08688570B2

    公开(公告)日：2014-04-01

    申请号：US11741170

    申请日：2007-04-27

    申请人： Jessica U. Jones ,  Lee J. Peart ,  Blayn W. Beenau ,  Peter D. Saunders

    发明人： Jessica U. Jones ,  Lee J. Peart ,  Blayn W. Beenau ,  Peter D. Saunders

    IPC分类号： G06Q40/00 ,  G06K5/00

    CPC分类号： G06Q20/10 ,  G06Q20/105 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3278 ,  G06Q40/02

    摘要： A funds-transfer system includes a processor and a memory storing control logic for causing the processor to enable a buyer to transfer funds to a seller via a mobile telephone. The control logic includes program code for causing the processor to receive a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The control logic also includes program code for causing the processor to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller. Additionally, the control logic includes program code for causing the processor to provide a payment acknowledgment to the buyer's mobile telephone and to the seller.

    摘要翻译： 资金转移系统包括处理器和存储控制逻辑的存储器，用于使处理器使得买方能够经由移动电话向卖方转移资金。 控制逻辑包括用于使处理器接收从买方的移动电话发送的支付请求的程序代码。 付款请求是将资金从买方持有的金融账户转移到卖方持有的金融账户，并且从存储在买方移动电话中的支付应用程序发送支付请求。 付款请求确定要转移的购买金额，以及识别买方持有的金融账户的信息。 控制逻辑还包括用于使处理器向购买者持有的金融账户收取购买金额并将购买金额转移到卖方持有的金融账户的程序代码。 此外，控制逻辑包括用于使处理器向买方的移动电话和卖方提供支付确认的程序代码。