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公开(公告)号：US08635155B2
公开(公告)日：2014-01-21
申请号：US12818964
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q20/14 , G06F17/30011 , G06K9/18 , G06K9/325 , G06Q20/102 , G06Q20/22 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q20/387 , G06Q30/0207 , G06Q40/00
摘要： Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon.
摘要翻译： 本发明的实施例可以提供用于处理支付券图像的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，至少部分地基于由图像显示的信息，至少基于图像提取数据来确定与支付优惠券相关联的帐单者的身份 部分地是与指示付款券的布局的帐单相关联的支付券元数据。 该方法可以进一步包括执行以下至少之一：（a）至少部分地基于从图像中提取的数据来处理与支付券相关联的支付给发件人; （b）将付款人添加到与付款优惠券相关的付款人的帐单列表中; 或（c）激活账单作为与支付券相关联的付款人的电子账单。
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2.发明授权公开(公告)号：US08543501B2
公开(公告)日：2013-09-24
申请号：US12818961
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q40/00 , G06K9/325 , G06K2209/01 , G06Q20/102 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q30/0207
摘要： Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment coupon from a payer and determining an identity of a biller associated with the payment coupon from the image. It may then be determined that no payment coupon metadata for obtaining one or more fields from the payment coupon is stored in association with the biller. The method may then include requesting a respective set of one or more field indicators representing at least an approximate size or an approximate location for one or more fields within the image. Upon receipt, the field indicators for the fields within the image are stored as the payment coupon metadata in association with the biller.
摘要翻译： 本发明的实施例可以提供用于捕获和处理支付券信息的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，并从图像中确定与付款优惠券相关联的帐单者的身份。 然后可以确定没有与付款者相关联地存储用于从支付券获得一个或多个字段的支付优惠券元数据。 该方法然后可以包括请求表示图像内的一个或多个字段的至少近似大小或近似位置的一个或多个字段指示符的相应集合。 一旦接收到，图像中的字段的字段指示符被存储为与发件人关联的支付优惠券元数据。
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3.发明授权Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account 有权基于发放到财务账户的已清除项目建立收款人的制度，方法和设备公开(公告)号：US08290835B2
公开(公告)日：2012-10-16
申请号：US12473851
申请日：2009-05-28
摘要： Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account are provided. Information associated with a cleared item posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, a payee associated with the cleared item may be identified. A form may be generated for activating, at a service provider, at least one of online payment functionality for payments made to the payee by the service provider on behalf of the consumer or electronic bill presentment of billing information of the payee to the consumer through the service provider. The form may be transmitted to a network entity for presentation to the consumer.
摘要翻译： 提供了基于发放到财务账户上的已清除项目来建立收款人的系统，方法和设备。 可以获得与发布到消费者的财务帐户的已清除项目相关联的信息。 至少部分地基于获得的信息，可以识别与被清除的项目相关联的收款人。 可以生成表单，用于在服务提供商处激活由服务提供商代表消费者向收款人支付的付款的至少一个功能，或者通过以下方式向消费者呈现收款人的收款人的计费信息 服务提供者。 该形式可以被发送到网络实体以呈现给消费者。
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4.发明授权User association of a computing application with a contact in a contact list 有权计算应用程序与联系人列表中的联系人的用户关联公开(公告)号：US08463831B2
公开(公告)日：2013-06-11
申请号：US12164856
申请日：2008-06-30
摘要： Methods and systems may be provided for user association of a computing application with a contact in a contact list. A view of one or more contacts of the user may be transmitted to a user, the view including a first contact. A request may be received from the user to associate an application with the first contact. A revised view may be transmitted to the user responsive to the received request, the revised view including a user-selectable mechanism for invoking the application on the first contact. The user may be redirected to a user interface of the application subsequent to the user selecting the user-selectable mechanism associated with the contact in the revised view, and the redirection may include transmission of information associated with the user and information associated with the first contact.
摘要翻译： 可以提供方法和系统用于计算应用与联系人列表中的联系人的用户关联。 可以向用户发送用户的一个或多个联系人的视图，该视图包括第一联系人。 可以从用户接收到将应用与第一联系人相关联的请求。 经修改的视图可以响应于接收到的请求而发送给用户，修改后的视图包括用于在第一联系人上调用应用的用户可选机构。 用户可以在用户选择与修订视图中的联系人相关联的用户可选机构之后被重定向到应用的用户界面，并且重定向可以包括与用户相关联的信息的传输和与第一联系人相关联的信息 。
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5.发明申请Methods and Systems for the Determination and Display of Payment Lead Time in an Electronic Payment System 审中-公开确定和显示电子支付系统支付时间的方法和系统公开(公告)号：US20100100462A1
公开(公告)日：2010-04-22
申请号：US12647693
申请日：2009-12-28
CPC分类号： G06Q30/04 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q40/00 , G06Q40/12
摘要： A system and method for determining and displaying a payment lead time or expected payment delivery time in an electronic payment system is disclosed. A payee associated with a payor is identified. Prior to receiving a payment request to pay the payee on behalf of the payor, an expected payment delivery time for a payment to fulfill the payment request is determined. The expected payment delivery time is based on at least one payment attribute associated with the payee and at least one payment attribute associated with the payor. An interface screen is then generated for displaying the determined expected payment delivery time.
摘要翻译： 公开了一种用于在电子支付系统中确定和显示支付交付时间或预期支付交付时间的系统和方法。 识别与付款人相关的收款人。 在收到支付请求以代表付款人付款的收款人之前，确定付款完成付款请求的预期付款交货时间。 期望的支付交付时间基于与收款人相关联的至少一个支付属性以及与付款人相关联的至少一个支付属性。 然后生成界面屏幕以显示所确定的预期付款传送时间。
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6.发明授权Methods and systems for the determination and display of payment lead time in an electronic payment system 有权用于确定和显示电子支付系统中支付提前期的方法和系统公开(公告)号：US07702585B2
公开(公告)日：2010-04-20
申请号：US11565322
申请日：2006-11-30
CPC分类号： G06Q30/04 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q40/00 , G06Q40/12
摘要： A system and method for determining and displaying a payment lead time or expected payment delivery time in an electronic payment system is disclosed. A payee associated with a payor is identified. Prior to receiving a payment request to pay the payee on behalf of the payor, an expected payment delivery time for a payment to fulfill the payment request is determined. The expected payment delivery time is based on at least one payment attribute associated with the payee and at least one payment attribute associated with the payor. An interface screen is then generated for displaying the determined expected payment delivery time.
摘要翻译： 公开了一种用于在电子支付系统中确定和显示支付交付时间或预期支付交付时间的系统和方法。 识别与付款人相关的收款人。 在收到支付请求以代表付款人付款的收款人之前，确定付款完成付款请求的预期付款交货时间。 期望的支付交付时间基于与收款人相关联的至少一个支付属性以及与付款人相关联的至少一个支付属性。 然后生成界面屏幕以显示所确定的预期付款传送时间。
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7.发明申请公开(公告)号：US20110313917A1
公开(公告)日：2011-12-22
申请号：US12818961
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q40/00 , G06K9/325 , G06K2209/01 , G06Q20/102 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q30/0207
摘要： Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment coupon from a payer and determining an identity of a biller associated with the payment coupon from the image. It may then be determined that no payment coupon metadata for obtaining one or more fields from the payment coupon is stored in association with the biller. The method may then include requesting a respective set of one or more field indicators representing at least an approximate size or an approximate location for one or more fields within the image. Upon receipt, the field indicators for the fields within the image are stored as the payment coupon metadata in association with the biller.
摘要翻译： 本发明的实施例可以提供用于捕获和处理支付券信息的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，并从图像中确定与付款优惠券相关联的帐单者的身份。 然后可以确定没有与付款者相关联地存储用于从支付券获得一个或多个字段的支付优惠券元数据。 该方法然后可以包括请求表示图像内的一个或多个字段的至少近似大小或近似位置的一个或多个字段指示符的相应集合。 一旦接收到，图像中的字段的字段指示符被存储为与发件人关联的支付优惠券元数据。
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公开(公告)号：US08756705B2
公开(公告)日：2014-06-17
申请号：US12827576
申请日：2010-06-30
摘要： Systems and methods for personalized security management of online applications are provided. A determination may be made that a condition for constructing an increased authentication proposal for access to an online financial service is satisfied. The increased authentication proposal may be associated with (i) a user of the online financial service and (ii) a user request option associated with the online financial service. Based upon the determination that the condition is satisfied, the increased authentication proposal may be generated and transmitted for presentation to the user. An increased authentication proposal response may then be received, and the increased authentication proposal response may be processed in order to store, in association with the user and the user request option, (i) an indication of an increased authentication condition and (ii) an indication of an increased authentication mechanism.
摘要翻译： 提供了在线应用程序的个性化安全管理系统和方法。 可以确定满足用于访问在线金融服务的增加的认证建议的条件。 增加的认证提案可以与（i）在线金融服务的用户相关联，以及（ii）与在线金融服务相关联的用户请求选项。 基于满足条件的判定，可以生成并发送增加的认证方案以呈现给用户。 然后可以接收到增加的认证建议响应，并且可以处理增加的认证建议响应以便与用户和用户请求选项相关联地存储（i）增加的认证条件的指示，以及（ii） 增加认证机制的指示。
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公开(公告)号：US20110313918A1
公开(公告)日：2011-12-22
申请号：US12818964
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q20/14 , G06F17/30011 , G06K9/18 , G06K9/325 , G06Q20/102 , G06Q20/22 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q20/387 , G06Q30/0207 , G06Q40/00
摘要： Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon.
摘要翻译： 本发明的实施例可以提供用于处理支付券图像的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，至少部分地基于由图像显示的信息，至少基于图像提取数据来确定与支付优惠券相关联的帐单者的身份 部分地是与指示付款券的布局的帐单相关联的支付券元数据。 该方法可以进一步包括执行以下至少之一：（a）至少部分地基于从图像中提取的数据来处理与支付券相关联的支付给帐单者; （b）将付款人添加到与付款优惠券相关的付款人的帐单列表中; 或（c）激活账单作为与支付券相关联的付款人的电子账单。
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公开(公告)号：US20110004921A1
公开(公告)日：2011-01-06
申请号：US12827576
申请日：2010-06-30
摘要： Systems and methods for personalized security management of online applications are provided. A determination may be made that a condition for constructing an increased authentication proposal for access to an online financial service is satisfied. The increased authentication proposal may be associated with (i) a user of the online financial service and (ii) a user request option associated with the online financial service. Based upon the determination that the condition is satisfied, the increased authentication proposal may be generated and transmitted for presentation to the user. An increased authentication proposal response may then be received, and the increased authentication proposal response may be processed in order to store, in association with the user and the user request option, (i) an indication of an increased authentication condition and (ii) an indication of an increased authentication mechanism.
摘要翻译： 提供了在线应用程序的个性化安全管理系统和方法。 可以确定满足用于访问在线金融服务的增加的认证建议的条件。 增加的认证提案可以与（i）在线金融服务的用户相关联，以及（ii）与在线金融服务相关联的用户请求选项。 基于满足条件的判定，可以生成并发送增加的认证方案以呈现给用户。 然后可以接收到增加的认证建议响应，并且可以处理增加的认证建议响应以便与用户和用户请求选项相关联地存储（i）增加的认证条件的指示，以及（ii） 增加认证机制的指示。
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