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    Verification of a Financial Instrument Allowing Rules-Based Pre-Acceptance Use of the Financial Instrument
    1.
    发明申请
    Verification of a Financial Instrument Allowing Rules-Based Pre-Acceptance Use of the Financial Instrument 审中-公开
    验证金融工具允许基于规则的预先接受使用金融工具

    公开(公告)号：US20130006861A1

    公开(公告)日：2013-01-03

    申请号：US13538679

    申请日：2012-06-29

    申请人： Randal A. McCoy ,  James G. Magers

    发明人： Randal A. McCoy ,  James G. Magers

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/10

    摘要： A method of verifying authority of a customer to use a financial instrument, includes initiating one or more transactions using a financial instrument identified by a customer. One or more attributes of the initiated one or more transactions are stored. A determination is made as to whether or not a further financial transaction using the identified financial instrument, requested by the customer prior to acceptance of the use of the financial instrument, complies with pre-acceptance transaction rules. The further transaction is initiated only if it is determined to comply with the pre-acceptance transaction rules. One or more proffered attributes are received, typically from the customer. The received proffered attributes are compared to the stored attributes. Use of the financial instrument by the customer is then accepted if the received proffered attributes correspond to the stored attributes.

    摘要翻译： 验证客户使用金融工具的权限的方法包括使用客户识别的金融工具启动一个或多个交易。 存储发起的一个或多个事务的一个或多个属性。 确定在接受使用金融工具之前，客户要求的所识别的金融工具的进一步金融交易是否符合预先接受交易规则。 仅当确定符合预先接受交易规则时才启动进一步的交易。 收到一个或多个提供的属性，通常来自客户。 将接收到的提供的属性与存储的属性进行比较。 如果接收到的提供的属性对应于存储的属性，则接受客户使用金融工具。

    Technique for identifying probable billers of a consumer
    2.
    发明授权
    Technique for identifying probable billers of a consumer 有权
    用于识别消费者可能发现的广告者的技术

    公开(公告)号：US08073773B2

    公开(公告)日：2011-12-06

    申请号：US10397834

    申请日：2003-03-27

    申请人： Casey W. Kozee ,  Teri W. Bemis ,  William R. McMichael

    发明人： Casey W. Kozee ,  Teri W. Bemis ,  William R. McMichael

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G07F7/00

    摘要： A technique for identifying a candidate electronic biller having bills available for electronic presentment to a consumer is provided. An electronic commerce service provider receives location information of a first consumer. The service provider accesses information associated with providing a payment service to a second consumer located near the first consumer. This accessing is based on the received location information. At least one potential biller of the first consumer is identified in the accessed information.

    摘要翻译： 提供了一种用于识别具有可用于向消费者进行电子呈现的票据的候选电子账单的技术。 电子商务服务提供者接收第一消费者的位置信息。 服务提供者将与提供支付服务相关联的信息接入位于第一消费者附近的第二消费者。 这种访问是基于接收到的位置信息。 在访问的信息中识别出第一个消费者的至少一个潜在的收件者。

    SYSTEMS AND METHODS FOR GENERATING PAYMENT DUE NOTIFICATIONS
    4.
    发明申请
    SYSTEMS AND METHODS FOR GENERATING PAYMENT DUE NOTIFICATIONS 有权
    用于产生付款通知的系统和方法

    公开(公告)号：US20110145116A1

    公开(公告)日：2011-06-16

    申请号：US13033040

    申请日：2011-02-23

    申请人： Mary Elizabeth Lawson ,  Cheryl L. Ward ,  Hans Dreyer

    发明人： Mary Elizabeth Lawson ,  Cheryl L. Ward ,  Hans Dreyer

    IPC分类号： G06Q30/00

    CPC分类号： G06Q20/102 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q30/0203 ,  G06Q30/04 ,  G06Q40/00

    摘要： Systems and methods for generating payment due notifications are provided. A payor and a payee of the payor may be identified by a payment service provider system. At least one notification control parameter associated with communicating payment due notifications to the payor may be identified. Based at least in part upon evaluating a payment history associated with one or more payments made to the payee on behalf of the payor, a payment frequency pattern may be determined. Based at least in part on a portion of the payment history and the determined payment frequency pattern, a next expected payment date may be calculated. In accordance with the at least one notification control parameter, a payment due notification including an identity of the payee and the next expected payment date may be generated. The payment due notification may be transmitted to the payor.

    摘要翻译： 提供了用于生成付款通知的系统和方法。 付款人的付款人和收款人可以由支付服务提供者系统来识别。 可以识别与向付款人传送支付到期通知相关联的至少一个通知控制参数。 至少部分地基于评估与代表付款人对收款人所做的一个或多个付款相关联的支付历史，可以确定支付频率模式。 至少部分地基于支付历史的一部分和确定的支付频率模式，可以计算下一个预期支付日期。 根据至少一个通知控制参数，可以生成包括收款人的身份和下一个预期支付日期的支付到期通知。 付款到期通知可以传送给付款人。

    Technique for presenting matched billers to a consumer
    6.
    发明授权
    Technique for presenting matched billers to a consumer 失效
    向消费者呈现匹配的广告者的技术

    公开(公告)号：US07395243B1

    公开(公告)日：2008-07-01

    申请号：US10285662

    申请日：2002-11-01

    申请人： William D. Zielke ,  John J. Frech ,  Teri W. Bemis ,  Donald K. Hobday, Jr. ,  Mark T. Harris ,  Hans D. Dreyer ,  Randal A. McCoy

    发明人： William D. Zielke ,  John J. Frech ,  Teri W. Bemis ,  Donald K. Hobday, Jr. ,  Mark T. Harris ,  Hans D. Dreyer ,  Randal A. McCoy

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/04 ,  G06Q20/10 ,  G06Q20/102

    摘要： A technique for identifying a consumer's electronic billers in which the consumer does not identify billers is provided. The consumer transmits, from a consumer station, a request for a service provider to identify his or her electronic billers. This request includes information identifying the consumer, but excludes any information identifying any biller. In response to the transmitted request, the consumer receives, at the consumer station, a listing of one or more electronic billers of the consumer. That is, these are electronic billers with which the consumer has a relationship. Also, the consumer has not previously requested to the service provider to electronically present bills of any of the electronic billers included in the listing.

    摘要翻译： 提供了一种用于识别消费者不识别用户的电子帐户的技术。 消费者从消费者站传送服务提供商的请求以识别他或她的电子帐户。 该请求包括识别消费者的信息，但不包括任何识别任何收件人的信息。 响应于所发送的请求，消费者在消费者站处接收消费者的一个或多个电子账户的列表。 也就是说，这些是与消费者有关系的电子商人。 此外，消费者以前没有要求服务提供商以电子方式提供包含在列表中的任何电子帐户的账单。

    Technique for transaction reconciliation
    8.
    发明授权
    Technique for transaction reconciliation 有权
    交易协调技术

    公开(公告)号：US07302408B2

    公开(公告)日：2007-11-27

    申请号：US10133649

    申请日：2002-04-29

    申请人： Stephen Frederick Engdahl ,  Kevin Davis

    发明人： Stephen Frederick Engdahl ,  Kevin Davis

    IPC分类号： G07B17/00 ,  G07F19/00 ,  G07F7/10

    CPC分类号： G06Q40/02 ,  G06Q20/00 ,  G06Q20/381 ,  G06Q40/12 ,  G06Q40/128

    摘要： A computerized accounting technique is provided. A record of a first type of transaction is identified based upon a record of a second type of transaction. The first type of transaction is a different type of transaction than the second type of transaction. Data is added to the record of the second type transaction based upon the identity of the first type transaction. Based upon this added data, the record of the second type transaction is reconciled with another record representing the second type transaction.

    摘要翻译： 提供计算机化会计技术。 基于第二类交易的记录来识别第一类交易的记录。 第一种类型的事务是与第二种类型的事务不同的事务类型。 基于第一类型事务的身份，将数据添加到第二类型事务的记录中。 基于该添加的数据，第二类型事务的记录与表示第二类型事务的另一记录协调。