-
公开(公告)号：US20020059141A1
公开(公告)日：2002-05-16
申请号：US09876762
申请日：2001-06-07
发明人： Anthony Davies , Dave Lally , Coleman Chan , Teri Resca , Eric Hirschhorn , Eileen Moy
IPC分类号： G06F017/60
CPC分类号： G06Q40/04 , G06Q20/10 , G06Q20/108 , G06Q40/00 , G06Q40/025
摘要： A system and method for initiating and processing banking deposits. In a preferred embodiment, the system is maintained by a financial institution such as a bank and the bank customers access the system through the Internet. A typical bank customer is a corporate treasurer. The system provides a Graphical User Interface that allows the customers to view the bank's current rates for a plurality of currencies and a plurality of time periods. The time periods for the deposits typically range from overnight to several months. Once the customer has found a time period/rate/currency that is acceptable, the customer selects the desired rate on the customer interface and the system automatically generates a deal ticket that is presented to the customer. The customer can then modify the settlement date, the settlement instructions and the amount of the deposit. Once the customer is satisfied with the deal, the customer submits it for trading. In an important aspect of the present invention, the confirmation of the trade occurs online and real time. Once the customer accepts the deal, it is logged. The system has further utilities for the customers to view archives of previous deals, establish profiles and preferences and chat with bank representatives. The system further includes state of the art security in order to ensure the safety and confidentiality of the banking transactions.
摘要翻译： 一种启动和处理银行存款的系统和方法。 在优选实施例中，系统由金融机构（例如银行）维护，并且银行客户通过因特网访问该系统。 典型的银行客户是公司财务主管。 该系统提供图形用户界面，允许客户查看银行目前的多种货币和多个时间段的汇率。 存款的时间段通常从隔夜到几个月。 一旦客户找到可接受的时间段/速率/货币，客户将在客户界面上选择所需的费率，系统会自动生成提交给客户的交易单。 客户可以修改结算日期，结算指示和存款金额。 一旦客户满意交易，客户提交交易。 在本发明的一个重要方面，交易的确认在线且实时地发生。 一旦客户接受交易，就会记录下来。 该系统有进一步的实用程序，让客户查看以前交易的档案，建立个人资料和偏好，并与银行代表聊天。 该系统还包括最先进的安全性，以确保银行交易的安全和保密。
-
公开(公告)号：US20040039666A1
公开(公告)日：2004-02-26
申请号：US09948205
申请日：2001-09-06
IPC分类号： G06F017/60
CPC分类号： G06Q40/025 , G06Q40/00 , G06Q40/06 , G06Q40/08
摘要： A process for allocating specific assets from a pool of assets to secure a liability. Information concerning each of the assets in the pool of assets is received from at least two sources. A set of validation rules is applied to the information for each asset in the pool of assets and those assets which do not meet the validation rules are rejected. A price is assigned to each non-rejected asset. A subset of the non-rejected assets is allocated to the liability as a function to collateralize the liability.
摘要翻译： 从资产池分配特定资产以确保责任的过程。 至少有两个来源收到资产池中每个资产的资料。 一组验证规则适用于资产池中的每个资产的信息，并且不符合验证规则的资产被拒绝。 每个未被拒绝的资产分配价格。 将不被拒绝的资产的一部分分配给负债，作为对责任进行抵押的职能。
-
公开(公告)号：US20030208421A1
公开(公告)日：2003-11-06
申请号：US09728340
申请日：2000-12-01
发明人： Tom Vicknair , Sam Beard , Richard Norman , Mark Riggleman , Max Roycroft , Dick Feagin , Cliff Day , Paul Fielding
IPC分类号： G06F017/60
CPC分类号： G06Q40/02 , G06Q20/042 , G06Q20/102 , G06Q20/108 , G06Q40/00 , Y10S707/99937
摘要： A system and method for performing Electronic Check Presentment (ECP) processing. The system and method employ digital imaging techniques to digitally image the physical checks as they arrive subsequent to posting of the ECP items. The images are electronically linked to the data records that represent the checks. During the proofing process, in which the data records for the ECP items are validated against the data records for the physical items, the records are updated such that the posting date and ISN number for the data records for the physical items reflect the posting date and ISN number of the ECP items. As the digital image of the check is electronically linked to the data records, the image is thus carries the posting date and ISN of the ECP item.
-
公开(公告)号：US20020095365A1
公开(公告)日：2002-07-18
申请号：US09760577
申请日：2001-01-16
发明人： Fred G. Slavin , Stephan V. Donelian , Steven Cohen , Michael Trenk , Judah Kaplan , James E. Lewis
IPC分类号： G06F017/60
CPC分类号： G06Q40/04 , G06Q30/0226 , G06Q30/0239
摘要： A company transfers underperforming assets (UPA's) to a second party in return for a cash and/or asset payment. The company obligates itself to earn a variable number of consumption points for an agreed to consumption period by making future purchases of assets. Each purchase has a known number of consumption points associated therewith. The number of consumption points to be earned varies as a function of a periodically applied interest rate. A computerized, preferably web-based, system is used to carry out the foregoing process.
摘要翻译： 公司将表现不佳的资产（UPA）转让给第二方，以换取现金和/或资产支付。 公司有义务通过未来购买资产，为商定的消费期赚取可变数量的消费点。 每次购买都具有与之相关的已知数量的消费点。 要获得的消费点的数量随着周期性应用利率的变化而变化。 使用计算机化的，优选基于web的系统来执行上述过程。
-
公开(公告)号：US20020077978A1
公开(公告)日：2002-06-20
申请号：US09886916
申请日：2001-06-21
IPC分类号： G06F017/60
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/102
摘要： A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (Web Broker), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The Web Broker is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a Web Broker enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent Web Broker enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.
摘要翻译： 实现电子资金转帐信用信息的系统和方法。 系统的主要结构组件包括支付门户处理器（Web Broker），互联网支付任何人（IPA）帐户，虚拟私人锁箱（VPL）和相关的帐户记录器，现有的电子转帐网络和用于访问的现金卡 VPL或IP帐户。 Web Broker是一个软件应用程序，它提供了访问（链接）用户的需求存款帐户（DDA）或IPA帐户的安全门户，并可与传统数字电子钱包的功能相结合。 消费者使用Web Broker增强型电子钱包资金，在网上购物，支付账单，支付任何人，存储电子收据和交易记录，并检查他们最近的Web Broker增强的电子钱包活动。 IPA帐户是一种特殊用途的帐户，其功能有限，以电子金融信用信息的形式进行电子支付。 VPL是一种有限功能，只接收通过电子转帐接收电子支付的账户。 帐户记录器是一个门户，用于查看IPA和VPL账户的交易历史记录和余额，提供在线实时交易报告，并将应收账款/购买记录与收到的EFT付款记录进行对账。 物理卡可以与IPA或VPL帐户相关联，以提供PIN借记功能。
-
公开(公告)号：US20030208441A1
公开(公告)日：2003-11-06
申请号：US09772601
申请日：2001-01-30
IPC分类号： G06F017/60
CPC分类号： G06Q20/14 , G06F17/2247 , G06Q20/04 , G06Q20/102 , G06Q30/04
摘要： A method and system using a communication network such as the Internet to allow registered users the flexibility to pay a bill by using traditional non-electronic payment methods after receiving an e-mail notification. The e-mail notification contains at least summary information which is formatted in the form of a remittance which can be included with the non-electronic form of payment allowing a user to retain the ability to pay a bill non-electronically while still being electronically notified that the bill is coming due. Additionally, a registered user has the option to pay a bill electronically after receiving the e-mail by clicking on an appropriate web address embedded within that e-mail. The registered user will either be directed to a biller website or a Customer Service Provider (CSP) and/or a Business Service Provider (BSP) website and given the option to pay the bill electronically.
摘要翻译： 一种使用诸如因特网之类的通信网络的方法和系统，以允许注册用户在接收到电子邮件通知之后灵活地通过使用传统的非电子支付方式支付账单。 电子邮件通知至少包含以汇款形式格式化的摘要信息，该汇总信息可以包含在非电子支付形式中，允许用户保持非电子支付账单的能力，同时仍然以电子方式通知 该帐单到期。 此外，注册用户可以选择通过点击嵌入在该电子邮件中的适当网址来收到电子邮件后以电子方式支付账单。 注册用户将被直接指定给会员网站或客户服务提供商（CSP）和/或商业服务提供商（BSP）网站，并且可以选择以电子方式支付账单。
-
-
-
-
-
搜索结果
6 条记录 (耗时 0.017 秒)
