公开(公告)号：US07783566B2

公开(公告)日：2010-08-24

申请号：US10176729

申请日：2002-06-21

申请人： David Armes ,  Fred Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

发明人： David Armes ,  Fred Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

IPC分类号： G06Q40/00

CPC分类号： G06Q20/227 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/06

摘要： The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants. The comprehensive payment service is based upon a consolidated account used to store value acquired through on-line transactions. The invention provides private payment numbers for protecting the identities of the participants and includes processes for authenticating participants, authorizing transactions, and settling payments. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.

摘要翻译： 本发明提供了一种用于在保护交易参与者的隐私的同时提供和/或促进完整的在线支付服务的系统和方法。 综合支付服务基于用于存储通过在线交易获得的价值的综合账户。 本发明提供用于保护参与者的身份的私人付款号码，并且包括用于认证参与者，授权交易和结算付款的过程。 因此，本发明使得商家能够有效地接受非标准形式的付款而不改变其当前的支付基础设施，并且使得能够使用任何价值来提供任何网络商家的购买价值。

公开(公告)号：US07725427B2

公开(公告)日：2010-05-25

申请号：US10711613

申请日：2004-09-28

申请人： Fred Bishop ,  Peter D Saunders

发明人： Fred Bishop ,  Peter D Saunders

IPC分类号： G06F17/30 ,  G06F17/00

CPC分类号： G06Q30/04 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/14 ,  G06Q20/327 ,  G07C9/00111 ,  G07C9/00119 ,  Y10S707/95 ,  Y10S707/99954

摘要： An RF recurrent billing system in which an account number associated with a recurrent billing account is stored within an RF transaction device. The user of the RF transaction device may present the device for completing a transaction, and the transaction, if successfully completed, is billed to the user's recurrent billing account. The user is billed for the transaction during a billing cycle, typically occurring on a regular basis according to the recurrent billing account.

摘要翻译： RF周期性计费系统，其中与经常性计费帐户相关联的帐号存储在RF交易设备内。 RF交易设备的用户可以呈现用于完成交易的设备，并且如果成功完成，则该交易向用户的经常性结算帐户计费。 用户在结算周期内为交易收费，通常根据经常性的结算帐户定期进行。

公开(公告)号：US20090289106A1

公开(公告)日：2009-11-26

申请号：US12505164

申请日：2009-07-17

申请人： Fred Bishop ,  Robert E. Morgan ,  Hitesh Seth

发明人： Fred Bishop ,  Robert E. Morgan ,  Hitesh Seth

IPC分类号： G07F19/00

CPC分类号： G06Q20/04 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/403

摘要： Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway. A smartcard may function as a payment directory and/or a payment system.

摘要翻译： 公开了使用支付系统目录促进商业交易。 支付目录和/或无线销售点（POS）设备可以被配置为使用预定规则，多个数据项和/或条件来定位支付系统，并且将支付授权请求从远程位置发送到至少 一个支付系统，直接或通过支付系统目录和/或SSL网关。 智能卡可以用作支付目录和/或支付系统。

公开(公告)号：US20090265241A1

公开(公告)日：2009-10-22

申请号：US12479702

申请日：2009-06-05

申请人： Fred Bishop ,  Robert E. Morgan ,  Hitesh Seth

发明人： Fred Bishop ,  Robert E. Morgan ,  Hitesh Seth

IPC分类号： G06Q20/00

CPC分类号： G06Q20/12 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/403 ,  G06Q30/0238

摘要： Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.

摘要翻译： 公开了使用支付系统目录促进商业交易。 支付目录和/或无线销售点（POS）设备可以被配置为使用预定规则，多个数据项和/或条件来定位支付系统，并且将支付授权请求从远程位置发送到至少 一个支付系统，直接或通过支付系统目录和/或SSL网关。

公开(公告)号：US20090048968A1

公开(公告)日：2009-02-19

申请号：US12242797

申请日：2008-09-30

申请人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

发明人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q40/025

摘要： A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.

摘要翻译： 披露了促进账户交易的金融账户发行人。 本发明向卖方提供从购买者接收资金的不可撤销的方法，并提高买方愿意与未知方交易的意愿。 本发明还包括利息支付的选择，不同的发行人的使用，不同的财务账户，预算转移，支出划分，成本分摊，调整信贷限额，贷款，赠送，促进交易的中介，交易跟踪，快速资金可用性 ，资金的机密转移，卖方立即开始装运，只有经过货物，服务或其他价值的批准，向卖方发放资金，证明付款证明和对远程卖方的追索权。

公开(公告)号：US20090048966A1

公开(公告)日：2009-02-19

申请号：US12242830

申请日：2008-09-30

申请人： Fred Bishop ,  Bansi Sharma ,  Tracey R. Thomas

发明人： Fred Bishop ,  Bansi Sharma ,  Tracey R. Thomas

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q40/025

摘要： A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.

摘要翻译： 披露了促进账户交易的金融账户发行人。 本发明向卖方提供从购买者接收资金的不可撤销的方法，并提高买方愿意与未知方交易的意愿。 本发明还包括利息支付的选择，不同的发行人的使用，不同的财务账户，预算转移，支出划分，成本分摊，调整信贷限额，贷款，赠送，促进交易的中介，交易跟踪，快速的资金可用性 ，资金的机密转移，卖方立即开始装运，只有经过货物，服务或其他价值的批准，向卖方发放资金，证明付款证明和对远程卖方的追索权。

公开(公告)号：US20090048963A1

公开(公告)日：2009-02-19

申请号：US12242766

申请日：2008-09-30

申请人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

发明人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

IPC分类号： G06Q20/00 ,  G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/0601 ,  G06Q40/025 ,  G06Q40/04

摘要： A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.

摘要翻译： 披露了促进账户交易的金融账户发行人。 本发明向卖方提供从购买者接收资金的不可撤销的方法，并提高买方愿意与未知方交易的意愿。 本发明还包括利息支付的选择，不同的发行人的使用，不同的财务账户，预算转移，支出划分，成本分摊，调整信贷限额，贷款，赠送，促进交易的中介，交易跟踪，快速的资金可用性 ，资金的机密转移，卖方立即开始装运，只有经过货物，服务或其他价值的批准，向卖方发放资金，证明付款证明和对远程卖方的追索权。

公开(公告)号：US20090048952A1

公开(公告)日：2009-02-19

申请号：US12242827

申请日：2008-09-30

申请人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

发明人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

IPC分类号： G06Q20/00 ,  G06Q10/00 ,  G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q40/025 ,  G06Q40/12

摘要： A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.

摘要翻译： 披露了促进账户交易的金融账户发行人。 本发明向卖方提供从购买者接收资金的不可撤销的方法，并提高买方愿意与未知方交易的意愿。 本发明还包括利息支付的选择，不同的发行人的使用，不同的财务账户，预算转移，支出划分，成本分摊，调整信贷限额，贷款，赠送，促进交易的中介，交易跟踪，快速资金可用性 ，资金的机密转移，卖方立即开始装运，只有经过货物，服务或其他价值的批准，向卖方发放资金，证明付款证明和对远程卖方的追索权。

公开(公告)号：US20090048887A1

公开(公告)日：2009-02-19

申请号：US12242842

申请日：2008-09-30

申请人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

发明人： Fred Bishop ,  Bansi L. Sharma ,  Tracey R. Thomas

IPC分类号： G06Q20/00 ,  G06Q10/00 ,  G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/12

摘要： A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.

摘要翻译： 披露了促进账户交易的金融账户发行人。 本发明向卖方提供从购买者接收资金的不可撤销的方法，并提高买方愿意与未知方交易的意愿。 本发明还包括利息支付的选择，不同的发行人的使用，不同的财务账户，预算转移，支出划分，成本分摊，调整信贷限额，贷款，赠送，促进交易的中介，交易跟踪，快速资金可用性 ，资金的机密转移，卖方立即开始装运，只有经过货物，服务或其他价值的批准，向卖方发放资金，证明付款证明和对远程卖方的追索权。

公开(公告)号：US07475808B1

公开(公告)日：2009-01-13

申请号：US11164444

申请日：2005-11-22

申请人： Fred Bishop

发明人： Fred Bishop

IPC分类号： G07D11/00

CPC分类号： G06Q20/12 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/3223 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q30/06

摘要： Systems and methods to facilitate commercial transactions conducted at geographically remote locations is disclosed. A wireless point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer.

摘要翻译： 公开了促进在地理上偏远的地点进行商业交易的系统和方法。 无线销售点（POS）设备可以被配置为定位支付系统并且直接地或经由支付系统目录和/或SSL网关从远程位置向至少一个支付系统发送支付授权请求。 本发明还包括将第三方帐户信息插入到支付请求的加密部分中，因此支付请求以正常请求的形式出现给开证行，但第三方帐户信息可被第三方用于对客户收费。