公开(公告)号：US08645227B2

公开(公告)日：2014-02-04

申请号：US12023507

申请日：2008-01-31

申请人： Dave Owen

发明人： Dave Owen

IPC分类号： G06Q30/00 ,  G06Q99/00 ,  G06Q30/06 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q10/08

CPC分类号： G06Q10/083 ,  G06Q20/12 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q30/04 ,  G06Q30/0601 ,  G06Q30/0617 ,  G06Q30/0619

摘要： One method herein includes forwarding an invoice for a purchase agreement made between a seller and a buyer. The method includes receiving a service selection indicating that the invoice is to be paid using an escrow system. The service selection includes a token for verification of a buyer's signatory. The method receives funding confirmation that the buyer has deposited funds into an escrow account. Based on funding confirmation, notification to ship the goods is sent. The method receives shipping confirmation confirming that the goods have been shipped. Upon receipt of the goods, a receiver is authenticated as the authorized signatory using the verification system. This authentication is based on the stored token matching a provided token. Based on verification of the receiver, the goods are released and the deposited funds from the escrow account are deposited into the seller's account.

摘要翻译： 这里的一种方法包括转发在卖方和买方之间进行的购买协议的发票。 该方法包括接收指示使用托管系统来支付发票的服务选择。 服务选择包括用于验证买方签字人的令牌。 该方法收到资金确认，买方已将资金存入代管帐户。 根据资金确认，发送货物通知。 该方法收到确认货物已发货的运送确认。 收到货物后，使用验证系统将接收方认证为授权签字人。 此认证基于与提供的令牌匹配的存储令牌。 根据接收方的验证，货物被释放，托管账户中存入的资金存入卖方账户。

公开(公告)号：US08521648B2

公开(公告)日：2013-08-27

申请号：US12134066

申请日：2008-06-05

申请人： Matt Bixler ,  Robert Newton ,  Dean Seifert ,  Dave Owen ,  Elizabeth Petri

发明人： Matt Bixler ,  Robert Newton ,  Dean Seifert ,  Dave Owen ,  Elizabeth Petri

IPC分类号： G06Q40/00

CPC分类号： G06Q20/14 ,  G06Q10/0833 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/0236 ,  G06Q30/04 ,  G06Q40/02

摘要： A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.

摘要翻译： 披露了财务转移服务用户之间进行财务转移的系统。 系统可以包括接收用户接口（RSI），发送用户接口（SSI）和代理服务器（AS）。 RSI可以被配置为接受包括目的地帐户的标识符的一组发票信息。 SSI可以被配置为接受包括源帐户的标识符的一组支付信息。 可以将AS配置为接收一组发票信息，并根据发票信息集创建发票。 AS还可以被配置为发送发票并接收一组支付信息。 AS还可以被配置为使得一定数量的资金从源传输网络上的源帐户经由主要传输网络传送到目的地传输网络上的目的地帐户。

公开(公告)号：US20130097498A1

公开(公告)日：2013-04-18

申请号：US13271655

申请日：2011-10-12

申请人： Carol Steinberg ,  John Lindal ,  Dave Owen

发明人： Carol Steinberg ,  John Lindal ,  Dave Owen

IPC分类号： G06F3/01

CPC分类号： G06F3/04892 ,  G06F3/04895 ,  G06F9/451

摘要： A method, system, and non-transitory computer readable medium to provide trigger-sensitive application help content to a user using a digital application. The method commences upon receiving an input application user interface, the input application user interface being encoded for display within a digital application context (e.g. on a computer screen or on a mobile device). Then, recoding the input application user interface to produce an output application user interface comprising one or more expandable screen devices added to the input application user interface. The user's progress (or lack thereof) is detected based on the user's interaction with the output application user interface page (e.g. on a computer screen or on a mobile device). At least one aspect of the method includes executing or otherwise interacting with a display protocol, the display protocol comprising detecting a trigger event, and revealing the expandable screen device to display an expanded screen device.

摘要翻译： 提供触发敏感应用程序的方法，系统和非暂时计算机可读介质使用数字应用程序帮助内容。 该方法在接收到输入应用程序用户界面之后开始，该输入应用程序用户界面被编码以在数字应用程序上下文中显示（例如在计算机屏幕上或在移动设备上）。 然后，重新编码输入应用程序用户界面以产生包括添加到输入应用程序用户界面的一个或多个可扩展屏幕设备的输出应用程序用户界面。 基于用户与输出应用程序用户界面页面（例如在计算机屏幕上或移动设备上的）的交互来检测用户的进度（或不足）。 该方法的至少一个方面包括执行或以其他方式与显示协议进行交互，所述显示协议包括检测触发事件，以及显示所述可扩展屏幕设备以显示扩展的屏幕设备。

公开(公告)号：US20120166295A1

公开(公告)日：2012-06-28

申请号：US12978704

申请日：2010-12-27

申请人： Rebecca Loevenguth ,  Evans Mehew ,  Dave Owen ,  Dianna Lyons ,  Scott Paintin

发明人： Rebecca Loevenguth ,  Evans Mehew ,  Dave Owen ,  Dianna Lyons ,  Scott Paintin

IPC分类号： G06Q20/00

CPC分类号： G06Q20/206 ,  G06Q20/20 ,  G06Q20/204 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/4014 ,  H04L63/0876 ,  H04W12/06

摘要： According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.

摘要翻译： 根据本发明，公开了一种向销售点装置提供付款的系统。 该系统可以包括具有存储介质的移动设备，输入设备，无线传输设备和处理器。 存储介质可以包括单独的认证信息和设备认证信息。 输入设备可以被配置为接收输入。 无线传输设备可以被配置为选择性地将设备认证信息发送到附近的销售点设备。 处理器可以被配置为将输入与各个认证信息进行比较，并且如果输入与个体认证信息相关联，则激活无线传输设备来发送设备认证信息。

公开(公告)号：US20120005075A1

公开(公告)日：2012-01-05

申请号：US12830025

申请日：2010-07-02

申请人： Kurt Bulawa ,  Michael Michelsen ,  Michele Demark ,  Dave Owen

发明人： Kurt Bulawa ,  Michael Michelsen ,  Michele Demark ,  Dave Owen

IPC分类号： G06Q40/00

CPC分类号： G06Q40/06 ,  G06Q20/10

摘要： A system for receiving a payment for a financial obligation of a payer via a staged transaction, and for identifying an originator of the staged transaction. A collection system may be configured to, per the originator, associate the obligation with an identifier which may be unique to the obligation and indicative of the originator, to associate the transaction with the identifier, and to provide the identifier to the payer. A provider system may be configured to receive a first record related to the transaction from the collection system, to receive a second record related to the transaction which indicates a payment has been received, and to send a third record related to the transaction to the collection system which indicates a payment has been received. A provider subsystem may be configured to receive the identifier from the payer, and send the second record to the provider system.

摘要翻译： 一种用于通过分期交易接收付款人的财务义务的支付以及用于识别分期交易的发起者的系统。 收集系统可以被配置为根据发起者将义务与义务唯一的指示发起者的标识符相关联，以将交易与标识符相关联，并将标识符提供给付款者。 提供者系统可以被配置为从收集系统接收与交易相关的第一记录，以接收指示已经接收到支付的与交易有关的第二记录，并且将与交易相关的第三记录发送到收集 指示已收到付款的系统。 提供者子系统可以被配置为从付款者接收标识符，并将第二记录发送给提供者系统。

公开(公告)号：US20090198586A1

公开(公告)日：2009-08-06

申请号：US12023507

申请日：2008-01-31

申请人： Dave Owen

发明人： Dave Owen

IPC分类号： G06Q20/00

CPC分类号： G06Q10/083 ,  G06Q20/12 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q30/04 ,  G06Q30/0601 ,  G06Q30/0617 ,  G06Q30/0619

摘要： This disclosure describes methods and systems for facilitating shipment of goods. The method includes forwarding an invoice for a purchase agreement made between a seller and a buyer. The method includes receiving a service selection indicating that the invoice is to be paid using an escrow system. The service selection includes a token for verification of a buyer's signatory. The method receives funding confirmation that the buyer has deposited funds into an escrow account. Based on funding confirmation, notification to ship the goods is sent. The method receives shipping confirmation confirming that the goods have been shipped. Upon receipt of the goods, a receiver is authenticated as the authorized signatory using the verification system. This authentication is based on the stored token matching a provided token. Based on verification of the receiver, the goods are released and the deposited funds from the escrow account are deposited into the seller's account.

摘要翻译： 本公开描述了促进货物装运的方法和系统。 该方法包括转发在卖方和买方之间采购的购买协议的发票。 该方法包括接收指示使用托管系统来支付发票的服务选择。 服务选择包括用于验证买方签字人的令牌。 该方法收到资金确认，买方已将资金存入代管帐户。 根据资金确认，发送货物通知。 该方法收到确认货物已发货的运送确认。 收到货物后，使用验证系统将接收方认证为授权签字人。 该认证基于与提供的令牌匹配的存储令牌。 根据接收方的验证，货物被释放，托管账户中存入的资金存入卖方账户。

公开(公告)号：US08468096B2

公开(公告)日：2013-06-18

申请号：US12953291

申请日：2010-11-23

申请人： Dean Seifert ,  Matt Bixler ,  Dave Owen ,  Elizabeth Petri

发明人： Dean Seifert ,  Matt Bixler ,  Dave Owen ,  Elizabeth Petri

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4014 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. In other embodiments, a method for pre-verifying the identity of a party and a system for performing the method of the invention are provided.

摘要翻译： 提供了代表另一方验证一方身份的方法。 该方法包括提供汇款系统和与汇款系统通信的通信系统; 从第一方接收货币转移系统确定第二方身份的某些验证标准; 并将验证标准存储在汇款系统的主计算机系统中。 当在货币转移位置从第二方接收到ID时; 从主机系统检索验证标准; 并且根据验证标准确定ID的可接受性。 如果识别装置是可接受的，则从识别装置获得识别信息; 并处理识别信息以验证第二方的身份。 在其他实施例中，提供了用于预验证用于执行本发明的方法的一方的身份和系统的方法。

公开(公告)号：US20110066553A1

公开(公告)日：2011-03-17

申请号：US12953291

申请日：2010-11-23

申请人： Dean Seifert ,  Matt Bixler ,  Dave Owen ,  Elizabeth Petri

发明人： Dean Seifert ,  Matt Bixler ,  Dave Owen ,  Elizabeth Petri

IPC分类号： G06Q40/00

CPC分类号： G06Q20/4014 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. In other embodiments, a method for pre-verifying the identity of a party and a system for performing the method of the invention are provided.

摘要翻译： 提供了代表另一方验证一方身份的方法。 该方法包括提供汇款系统和与汇款系统通信的通信系统; 从第一方接收货币转移系统确定第二方身份的某些验证标准; 并将验证标准存储在汇款系统的主计算机系统中。 当在货币转移位置从第二方接收到ID时; 从主机系统检索验证标准; 并且根据验证标准确定ID的可接受性。 如果识别装置是可接受的，则从识别装置获得识别信息; 并处理识别信息以验证第二方的身份。 在其他实施例中，提供了用于预验证用于执行本发明的方法的一方的身份和系统的方法。

公开(公告)号：US20090089209A1

公开(公告)日：2009-04-02

申请号：US11864467

申请日：2007-09-28

申请人： Matt Bixler ,  Robert Newton ,  Dean Seifert ,  Dave Owen ,  Elizabeth Petri

发明人： Matt Bixler ,  Robert Newton ,  Dean Seifert ,  Dave Owen ,  Elizabeth Petri

IPC分类号： G06Q30/00 ,  G06F17/30 ,  G06F17/40

CPC分类号： G06Q40/00 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/02

摘要： This disclosure describes, generally, methods and systems for generating electronic invoices. The method may include logging on to an online invoicing service account, and looking up a customer account from multiple customers associated with the online invoicing service account. The method may further include selecting the customer account that has a pending financial transaction with a biller. A request for an electronic invoice to be generated for the selected customer is initiated and the electronic invoice may be transmitted to the selected customer.

摘要翻译： 本公开一般地描述了用于生成电子发票的方法和系统。 该方法可以包括登录到在线发票服务帐户，以及从与在线开票服务帐户相关联的多个客户查找客户账户。 该方法可以进一步包括选择具有与帐单者的待决金融交易的客户帐户。 启动对所选客户生成电子发票的请求，并将电子发票发送给所选客户。

公开(公告)号：US20090006250A1

公开(公告)日：2009-01-01

申请号：US12123856

申请日：2008-05-20

申请人： Matt Bixler ,  Robert Newton ,  Dean Seifert ,  Dave Owen ,  Elizabeth Petri

发明人： Matt Bixler ,  Robert Newton ,  Dean Seifert ,  Dave Owen ,  Elizabeth Petri

IPC分类号： G06Q90/00

CPC分类号： G06Q40/02 ,  G06Q20/10

摘要： This disclosure describes, generally, methods and systems for tracking and reporting multiple financial transactions. The method may include initiating a financial transaction by a user at an interface. The financial transaction may include multiple transactional steps. The method may further include generating notifications corresponding to the plurality of transactional steps. A first notification may be configured to indicate to the user that payment for the transaction has been initiated. A second notification may be configured to indicate to the user that the transaction has been processed and released for payment, and a third notification may be configured to indicate to the user that the transaction's funds have been made available.

摘要翻译： 本公开一般地描述用于跟踪和报告多个金融交易的方法和系统。 该方法可以包括由用户在界面处发起金融交易。 金融交易可能包括多个交易步骤。 该方法还可以包括生成与多个事务步骤相对应的通知。 可以将第一通知配置为向用户指示已经启动了交易的支付。 第二通知可以被配置为向用户指示交易已被处理并被释放用于支付，并且第三通知可以被配置为向用户指示交易的资金已经可用。