公开(公告)号：US20140067670A1

公开(公告)日：2014-03-06

申请号：US13601467

申请日：2012-08-31

Applicant: Sanjeev Dheer ,  Michael Edward Martin ,  William Richard McMichael, JR. ,  Mark T. Harris ,  Juan Carlos Miqueli ,  Brian Corey Sondergaard ,  David Michael Keenan ,  Mark Edward Bowman

Inventor： Sanjeev Dheer ,  Michael Edward Martin ,  William Richard McMichael, JR. ,  Mark T. Harris ,  Juan Carlos Miqueli ,  Brian Corey Sondergaard ,  David Michael Keenan ,  Mark Edward Bowman

IPC: G06Q20/22 ,  G06Q20/40

CPC classification number: G06Q20/40 ,  G06Q20/4016

Abstract: A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.

Abstract translation: 可以代表请求者接收与金融交易相关联的请求。 可以根据与请求相关联的信息来识别要扣除的至少一个金融账户和与金融交易有关的至少一个金融账户。 可以识别提供对财务帐户的访问的相应支付网络。 一个或多个财务账户可以通过相应的支付网络实时访问。 相应的借记或信用指令可以被发送到每个所识别的支付网络，以将借方或信用记录到相应的金融账户。 可以接收相应的借方和/或信用状态信息，并且可以生成和发送各种状态指示，潜在地用于呈现给请求者。

公开(公告)号：US20080263069A1

公开(公告)日：2008-10-23

申请号：US12164856

申请日：2008-06-30

Applicant: Mark T. Harris ,  Hans D. Dreyer ,  Donald Kenneth Hobday

Inventor： Mark T. Harris ,  Hans D. Dreyer ,  Donald Kenneth Hobday

IPC: G06F3/048 ,  G06F17/30

CPC classification number: H04L67/10 ,  G06F21/33

Abstract: 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 included 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.

Abstract translation: 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 。

公开(公告)号：US07395319B2

公开(公告)日：2008-07-01

申请号：US10748678

申请日：2003-12-31

Applicant: Mark T. Harris ,  Hans D. Dreyer ,  Donald Kenneth Hobday, Jr.

Inventor： Mark T. Harris ,  Hans D. Dreyer ,  Donald Kenneth Hobday, Jr.

IPC: G06F15/16

CPC classification number: H04L67/10 ,  G06F21/33

Abstract: A technique for accessing an electronic commerce function (ECF) is provided. A first signal identifying an entity and an ECF associated with the entity is transmitted to a user from a contact list service. The user selects the ECF, causing a second signal indicating the selection to be transmitted to the contact list service. In response to receipt of the second signal, the contact list service transmits a third signal. The third signal identifies a network address associated with an electronic commerce service provider for providing and/or facilitating the ECF. The third signal also identifies information associated with the entity. The third signal, either directly or indirectly, is operable to cause a fourth signal to be transmitted to the user from the service provider. The fourth signal includes information associated with invoking the ECF and is based upon the information associated with the entity included in the third signal.

Abstract translation: 提供了一种用于访问电子商务功能（ECF）的技术。 从联系人列表服务向用户发送标识实体和与该实体相关联的ECF的第一信号。 用户选择ECF，将指示选择的第二信号发送到联系人列表服务。 响应于接收到第二信号，联系人列表服务发送第三信号。 第三信号识别与电子商务服务提供商相关联的用于提供和/或促进ECF的网络地址。 第三信号还标识与该实体相关联的信息。 直接或间接的第三信号可操作以使第四信号从服务提供商发送给用户。 第四信号包括与调用ECF相关联的信息，并且基于与包括在第三信号中的实体相关联的信息。

公开(公告)号：US08463831B2

公开(公告)日：2013-06-11

申请号：US12164856

申请日：2008-06-30

Applicant: Mark T. Harris ,  Hans D. Dreyer ,  Donald Kenneth Hobday, Jr.

Inventor： Mark T. Harris ,  Hans D. Dreyer ,  Donald Kenneth Hobday, Jr.

IPC: G06F17/30 ,  G06Q40/00 ,  G06F12/00 ,  G06F15/16

CPC classification number: H04L67/10 ,  G06F21/33

Abstract: 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.

Abstract translation: 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 。

公开(公告)号：US20140067672A1

公开(公告)日：2014-03-06

申请号：US13601476

申请日：2012-08-31

Applicant: Sanjeev Dheer ,  Michael Edward Martin ,  William Richard McMichael, JR. ,  Mark T. Harris ,  Juan Carlos Miqueli ,  Brian Corey Sondergaard ,  David Michael Keenan ,  Mark Edward Bowman

Inventor： Sanjeev Dheer ,  Michael Edward Martin ,  William Richard McMichael, JR. ,  Mark T. Harris ,  Juan Carlos Miqueli ,  Brian Corey Sondergaard ,  David Michael Keenan ,  Mark Edward Bowman

IPC: G06Q20/22 ,  G06Q20/40

CPC classification number: G06Q20/24 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/22 ,  G06Q20/227 ,  G06Q20/40

Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.

公开(公告)号：US07395243B1

公开(公告)日：2008-07-01

申请号：US10285662

申请日：2002-11-01

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

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

IPC: G06Q40/00

CPC classification number: G06Q30/04 ,  G06Q20/10 ,  G06Q20/102

Abstract: 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.

Abstract translation: 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。