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公开(公告)号：US20100042539A1
公开(公告)日：2010-02-18
申请号：US12543501
申请日：2009-08-18
Applicant: Sanjeev Dheer , Krishna Bhagavatula , Behram Panthaki
Inventor： Sanjeev Dheer , Krishna Bhagavatula , Behram Panthaki
CPC classification number: G06Q20/32 , G06Q20/10 , G06Q20/102 , G06Q20/223 , G06Q20/325
Abstract: Embodiments of the invention include an electronic payment system that allows person-to-person (P2P) payments and requests for payment, consumer-to-consumer (C2C) payments and requests for payment, and use of a P2P service by a business which in turn offers the service to its customers for making payments and requests for payment. The system and service allow users to make payments from their existing financial accounts to anyone, anywhere without funding a special account and managing a third-party relationship separate from the relationship the user has with the financial institution. The service further allows users to receive payments without registering for a third-party service. In embodiments, the service is available as an integrated banking service alongside current financial institution electronic banking services already used by customers. A bank customer can use the payment service directly from within a bank or bank web site.
Abstract translation: 本发明的实施例包括允许个人对个人（P2P）支付和付款请求，消费者对消费者（C2C）支付和支付请求的电子支付系统以及由业务使用P2P服务的电子支付系统， 转向为客户提供付款和付款请求。 系统和服务允许用户从现有的财务账户向任何人付款，无需资助特殊帐户，并管理与用户与金融机构之间的关系分开的第三方关系。 该服务还允许用户在不注册第三方服务的情况下接收付款。 在实施例中，该服务作为综合银行服务可用，以及客户已经使用的当前金融机构的电子银行服务。 银行客户可以直接从银行或银行网站使用支付服务。
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公开(公告)号：US20100042538A1
公开(公告)日：2010-02-18
申请号：US12543497
申请日：2009-08-18
Applicant: Sanjeev Dheer , Krishna Bhagavatula , Behram Panthaki
Inventor： Sanjeev Dheer , Krishna Bhagavatula , Behram Panthaki
CPC classification number: G06Q20/32 , G06Q20/10 , G06Q20/102 , G06Q20/223 , G06Q20/325
Abstract: Embodiments of the invention include an electronic payment system that allows person-to-person (P2P) payments and requests for payment, consumer-to-consumer (C2C) payments and requests for payment, and use of a P2P service by a business which in turn offers the service to its customers for making payments and requests for payment. The system and service allow users to make payments from their existing financial accounts to anyone, anywhere without funding a special account and managing a third-party relationship separate from the relationship the user has with the financial institution. The service further allows users to receive payments without registering for a third-party service. In embodiments, the service is available as an integrated banking service alongside current financial institution electronic banking services already used by customers. A bank customer can use the payment service directly from within a bank or bank web site.
Abstract translation: 本发明的实施例包括允许个人对个人（P2P）支付和付款请求，消费者对消费者（C2C）支付和支付请求的电子支付系统以及由业务使用P2P服务的电子支付系统， 转向为客户提供付款和付款请求。 系统和服务允许用户从现有的财务账户向任何人付款，无需资助特殊帐户，并管理与用户与金融机构之间的关系分开的第三方关系。 该服务还允许用户在不注册第三方服务的情况下接收付款。 在实施例中，该服务作为综合银行服务可用，以及客户已经使用的当前金融机构的电子银行服务。 银行客户可以直接从银行或银行网站使用支付服务。
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Patent Agency Ranking
公开(公告)号：US20090276359A1
公开(公告)日：2009-11-05
申请号：US12435393
申请日：2009-05-04
Applicant: Behram Panthaki , Krishna Bhagavatula , Richard Bowman , Vishal Bhatia , Diya Parial , Nash Ali , Amir Sunderji , Jeremy Sokolic , Yonghui Zhang
Inventor： Behram Panthaki , Krishna Bhagavatula , Richard Bowman , Vishal Bhatia , Diya Parial , Nash Ali , Amir Sunderji , Jeremy Sokolic , Yonghui Zhang
IPC: G06Q40/00
Abstract: Described herein is a multi-product-multi-channel payment platform system and apparatus that extends the capability of current online banking/funds-transfer systems. Different types of financial accounts are modeled in a financial management system to enable types of online, electronic funds transfer transaction that were not previously possible. Among novel elements of the system and apparatus disclosed is the enablement of real-time application of rules to different types of financial accounts and/or products across channels, such as how much money may be deposited or withdrawn in a period of time.
Abstract translation: 这里描述了一种多产品多渠道支付平台系统和装置，其扩展了当前网上银行/资金转移系统的能力。 在财务管理系统中建立不同类型的金融账户，以实现以前不可能实现的在线电子资金转账交易。 所公开的系统和设备的新颖元素是能够将规则实时地应用于跨渠道的不同类型的金融账户和/或产品，例如在一段时间内可以存入或撤回多少钱。
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公开(公告)号：US09483241B2
公开(公告)日：2016-11-01
申请号：US14578183
申请日：2014-12-19
Applicant: Yang Peng , Xia Yu , Yuna Hou , Ramana Krishna Bhagavatula , Jie Zhang
Inventor： Yang Peng , Xia Yu , Yuna Hou , Ramana Krishna Bhagavatula , Jie Zhang
Abstract: Disclosed herein is a framework for analyzing and determining the impact and importance of software code or method changes. In accordance with one aspect, invocations of methods are tracked by generating marking records. The marking records may be used to rebuild a call stack, which can be used to organize the methods to generate a calling dependency representation. The methods may then be ranked based on such calling dependency representation.
Abstract translation: 本文公开了一种用于分析和确定软件代码或方法更改的影响和重要性的框架。 根据一个方面，通过生成标记记录跟踪方法的调用。 标记记录可用于重建调用堆栈，该堆栈可用于组织方法以生成调用依赖关系表示。 然后可以基于这种呼叫依赖表示对方法进行排名。
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公开(公告)号：US20160179487A1
公开(公告)日：2016-06-23
申请号：US14578183
申请日：2014-12-19
Applicant: Yang PENG , Xia YU , Yuna HOU , Ramana Krishna BHAGAVATULA , Jie ZHANG
Inventor： Yang PENG , Xia YU , Yuna HOU , Ramana Krishna BHAGAVATULA , Jie ZHANG
IPC: G06F9/45
Abstract: Disclosed herein is a framework for analyzing and determining the impact and importance of software code or method changes. In accordance with one aspect, invocations of methods are tracked by generating marking records. The marking records may be used to rebuild a call stack, which can be used to organize the methods to generate a calling dependency representation. The methods may then be ranked based on such calling dependency representation.
Abstract translation: 本文公开了一种用于分析和确定软件代码或方法更改的影响和重要性的框架。 根据一个方面，通过生成标记记录跟踪方法的调用。 标记记录可用于重建调用堆栈，该堆栈可用于组织方法以生成调用依赖关系表示。 然后可以基于这种呼叫依赖表示对方法进行排名。
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公开(公告)号：US20110264583A1
公开(公告)日：2011-10-27
申请号：US13092908
申请日：2011-04-22
Applicant: David Cooper , Sanjeev Dheer , Krishna Bhagavatula , Catherine Palmieri , John Lovelett
Inventor： David Cooper , Sanjeev Dheer , Krishna Bhagavatula , Catherine Palmieri , John Lovelett
CPC classification number: G06Q20/32 , G06Q20/102 , G06Q20/14 , G06Q30/04
Abstract: An inter-bank email and mobile invoicing network is disclosed. Embodiments disclosed herein include an inter-bank email and mobile invoicing network that enables customers of banks or independent portals to send invoices to an email address or mobile phone number. The invoice can be received by the recipient within their bank's online or mobile banking site, in the case of banks that belong to a network that is managed by the proprietors of a financial management system and payment hub as disclosed herein. These banks will be referred to as “network banks” herein. The inter-bank invoicing network also refers to a common provider or connected providers of an invoicing and payment service that is linked to banks and to independent service providers.
Abstract translation: 披露了银行间电子邮件和移动发票网络。 本文公开的实施例包括银行间电子邮件和移动发票网络，其使得银行或独立门户的客户能够将发票发送到电子邮件地址或移动电话号码。 如果属于由本文所披露的财务管理系统和支付中心的所有者管理的网络的银行，收款人可以在其银行的在线或移动银行网站收到发票。 这些银行在这里被称为“网银”。 银行间发票网络还指与银行和独立服务提供商相关联的发票和付款服务的通用提供商或连接的提供商。
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公开(公告)号：US20110313921A1
公开(公告)日：2011-12-22
申请号：US12968189
申请日：2010-12-14
Applicant: Sanjeev Dheer , Behram Panthaki , Krishna Bhagavatula , David Cooper , Neil Platt , Tammi Shapiro , Gregg Smelker
Inventor： Sanjeev Dheer , Behram Panthaki , Krishna Bhagavatula , David Cooper , Neil Platt , Tammi Shapiro , Gregg Smelker
IPC: G06Q40/00
CPC classification number: G06Q20/223 , G06Q20/10 , G06Q20/108 , G06Q20/40 , G06Q20/425 , G06Q40/02
Abstract: A method and apparatus for internetworking multiple person-to-person (P2P) payment networks and financial institutions is disclosed. Embodiments include receiving a request to send funds from a payor, the request containing one of the payee's email address and mobile phone number; determining whether the payee is registered with a network financial institution that is within a P2P network of the payer (the originating P2P network), wherein determining includes matching one of the payee's email address and mobile phone number; if the payee is registered within the originating P2P network financial institution, transferring the funds to the payee account at the network financial institution and notifying the payee and posting the transaction on the network financial institution web site; and if the payee is not registered within the originating P2P network determining whether the payee is registered with any second payment network connected to the internetwork payment hub with which the originating network is connected wherein determining includes matching one of the email or mobile phone number of the payee specified by the payor.
Abstract translation: 公开了一种用于互联多个人对人（P2P）支付网络和金融机构的方法和装置。 实施例包括接收从付款人发送资金的请求，该请求包含收款人的电子邮件地址和移动电话号码之一; 确定收款人是否向在付款人（发起P2P网络）的P2P网络内的网络金融机构注册，其中确定包括匹配收款人的电子邮件地址和移动电话号码中的一个; 如果收款人在原始P2P网络金融机构中注册，将资金转入网络金融机构的收款人账户，并通知收款人并在网络金融机构网站上发布交易; 并且如果收款人未在始发P2P网络中注册，则确定收款人是否与连接到与其始发网络连接的互联网络支付集线器的任何第二支付网络注册，其中确定包括匹配电子邮件或移动电话号码中的一个 收款人指定的收款人。
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