公开(公告)号：US08438109B2

公开(公告)日：2013-05-07

申请号：US13327309

申请日：2011-12-15

申请人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

发明人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

IPC分类号： G06Q40/00

CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/40 ,  G06Q30/0613 ,  G06Q40/12

摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.

公开(公告)号：US08271384B2

公开(公告)日：2012-09-18

申请号：US13299709

申请日：2011-11-18

申请人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

发明人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

IPC分类号： G06Q40/00

CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/40 ,  G06Q30/0613 ,  G06Q40/12

摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.

摘要翻译： 动态地启用和促进企业或其他实体查找和处理付款系统以处理付款的目的。 客户与物品（例如商品或服务）的供应商交互，选择要购买的商品，并向供应商提供付款标准。 供应商查询支付系统目录以查找交易的候选支付系统。 供应商然后直接与一个或多个支付系统进行交互，以部分或全部处理交易的付款。 或者，供应商与网关服务交互，网关服务查询支付系统目录以定位候选支付系统，然后与一个或多个支付系统进行交互以处理交易的支付。

公开(公告)号：US20120101916A1

公开(公告)日：2012-04-26

申请号：US13327241

申请日：2011-12-15

申请人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

发明人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

IPC分类号： G06Q30/06

CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/40 ,  G06Q30/0613 ,  G06Q40/12

摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.

公开(公告)号：US20110137798A1

公开(公告)日：2011-06-09

申请号：US13020579

申请日：2011-02-03

申请人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

发明人： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

IPC分类号： G06Q20/00

CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/40 ,  G06Q30/0613 ,  G06Q40/12

摘要： Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.

摘要翻译： 动态地启用和促进企业或其他实体查找和处理付款系统以处理付款的目的。 客户与物品（例如商品或服务）的供应商交互，选择要购买的商品，并向供应商提供付款标准。 供应商查询支付系统目录以查找交易的候选支付系统。 供应商然后直接与一个或多个支付系统进行交互，以部分或全部处理交易的付款。 或者，供应商与网关服务交互，网关服务查询支付系统目录以定位候选支付系统，然后与一个或多个支付系统进行交互以处理交易的支付。