公开(公告)号：US11205160B2

公开(公告)日：2021-12-21

申请号：US16414736

申请日：2019-05-16

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Matthew Lacey Peterson ,  Brian John Gallmeier ,  Teresa Marie Crews ,  Mark Andrew Nipe ,  James Michael Haire ,  Robert Lawrence Hill ,  Michael Richard Bates

IPC分类号： G06Q20/10 ,  G06Q30/04 ,  G06Q20/04 ,  G06Q20/08 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02

摘要： An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.

公开(公告)号：US20200294005A1

公开(公告)日：2020-09-17

申请号：US16887859

申请日：2020-05-29

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Matthew Lacey Peterson ,  Brian John Gallmeier ,  Teresa Marie Crews ,  Mark Andrew Nipe ,  James Michael Haire ,  Robert Lawrence Hill ,  Michael Richard Bates

IPC分类号： G06Q20/04 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/02

摘要： An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.

公开(公告)号：US20030065671A1

公开(公告)日：2003-04-03

申请号：US10226690

申请日：2002-08-23

申请人： eFunds Corporation

发明人： Robert Raymond Cardenas

IPC分类号： G06F007/00

CPC分类号： G06F17/246

摘要： A method and apparatus for utilizing a single data grid to display one of a plurality of displayable views using a software program or formatter that receives user criteria identifying one of the plurality of displayable views and the data grid a definition. The definition identifies the data set(s) the data grid is to obtain data from, the query used to retrieve the data from the data set(s), and the format used to display the data in the data grid. The definition is included in a set of configuration data associated with one of the plurality of views that is stored in a configuration file. The configuration file is external to the application program that includes the data grid such that the configuration data can be updated without effecting the operation of the application program.

摘要翻译： 一种用于利用单个数据网格使用软件程序或格式器来显示多个可显示视图中的一个的方法和装置，所述软件程序或格式化器接收标识多个可显示视图和数据网格中的一个定义的用户标准。 该定义识别数据网格从数据集中获取数据的数据集，以及用于从数据集中检索数据的数据集，以及用于在数据网格中显示数据的格式。 该定义被包括在与存储在配置文件中的多个视图中的一个相关联的一组配置数据中。 配置文件在包含数据网格的应用程序的外部，使得可以更新配置数据而不影响应用程序的操作。

公开(公告)号：US20200219109A1

公开(公告)日：2020-07-09

申请号：US16826127

申请日：2020-03-20

申请人： eFunds Corporation

发明人： Martin R. ROMAIN ,  Paul P. BJERKE

IPC分类号： G06Q20/42 ,  G06Q20/36 ,  G06Q30/06 ,  G06Q40/00

摘要： Systems and methods of monitoring financial information of a consumer for fraudulent activity. One method can include receiving an account closure event from an event provider, determining if the account closure event is associated with financial information of the consumer, generating a notification, and providing the notification to the consumer. Another method can include receiving a returned check event from an event provider, determining if the returned check event is associated with financial information of the consumer, generating a notification, and providing the notification to the consumer.

公开(公告)号：US20180096422A1

公开(公告)日：2018-04-05

申请号：US15600890

申请日：2017-05-22

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Robert Lawrence Hill ,  Connie Koep

IPC分类号： G06Q40/02 ,  G07F19/00 ,  G06K7/08 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/06

CPC分类号： G06Q40/02 ,  G06K7/084 ,  G06Q20/02 ,  G06Q20/023 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/06 ,  G07F19/20 ,  G07F19/203

摘要： A system for generating and processing an electronic funding application is disclosed. The system includes a memory storing instructions and a processor configured to execute the instructions to transmit the electronic funding application to a client and enter financial data into the funding application. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The instructions further transmit the financial data to a server, validate at least a portion of the financial data by comparing a portion of the financial data to data representing valid demand deposit accounts, convert the MICR line to an item compatible with an automated clearing house (ACH) network, and submit the item and the currency amount to the ACH network. The currency amount is transferred from the demand deposit account of the customer to the financial account of the customer.

公开(公告)号：US20190279171A1

公开(公告)日：2019-09-12

申请号：US16414736

申请日：2019-05-16

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Matthew Lacey Peterson ,  Brian John Gallmeier ,  Teresa Marie Crews ,  Mark Andrew Nipe ,  James Michael Haire ,  Robert Lawrence Hill ,  Michael Richard Bates

IPC分类号： G06Q20/04 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q20/40 ,  G06Q20/08 ,  G06Q20/28 ,  G06Q40/02 ,  G06Q30/04

摘要： An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.

公开(公告)号：US20130173463A1

公开(公告)日：2013-07-04

申请号：US13776564

申请日：2013-02-25

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Matthew Lacey Petersen ,  Brian John Gallmeier ,  Teresa Marie Crews ,  Mark Andrew Nipe ,  James Michael Haire ,  Robert Lawrence Hill ,  Michael Richard Bates

IPC分类号： G06Q20/04

CPC分类号： G06Q20/0425 ,  G06Q20/04 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/025

摘要： An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.

摘要翻译： 一种电子支付和认证系统，其中包括验证付款人真实性的功能，验证借方数据，以及便利借款（而不是信贷）支付交易。 电子支付系统允许消费者在利用借记交易的同时通过网络购买商品和服务。 本发明使商家能够验证消费者的身份，确定消费者是否是良好的借方交易风险，并且检索与特定消费者相关联的借项数据。

公开(公告)号：US20020082994A1

公开(公告)日：2002-06-27

申请号：US09970149

申请日：2001-10-02

申请人： eFunds Corporation

发明人： Kathy Ann Herziger

IPC分类号： G06F017/60

CPC分类号： G06Q10/06 ,  G06Q20/1085 ,  G06Q20/18 ,  G07F19/20 ,  G07F19/206 ,  G07F19/209 ,  G07F19/21 ,  G07F19/211

摘要： In some preferred embodiments of the present invention, an ATM management application is used to provide an ATM operator with a comprehensive set of ATM management information. This ATM management information can enable the ATM operator to increase ATM profitability through improved ATM availability and expense reduction. The ATM management application can include any number of the following modules: a currency management module, a status inquiry module, a courier services module, an auto balance module, a deposit verification module, and a site analysis and profitability management module.

摘要翻译： 在本发明的一些优选实施例中，ATM管理应用用于向ATM运营商提供一整套ATM管理信息。 ATM管理信息可以使ATM运营商通过提高ATM可用性和降低费用来提高ATM的获利能力。 ATM管理应用程序可以包括以下任意数量的模块：货币管理模块，状态查询模块，快递服务模块，自动平衡模块，存款验证模块以及站点分析和盈利管理模块。

公开(公告)号：US10657588B2

公开(公告)日：2020-05-19

申请号：US15600890

申请日：2017-05-22

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Robert Lawrence Hill ,  Connie Koep

IPC分类号： G06Q40/02 ,  G06Q20/10 ,  G07F19/00 ,  G06K7/08 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/06

摘要： A system for generating and processing an electronic funding application is disclosed. The system includes a memory storing instructions and a processor configured to execute the instructions to transmit the electronic funding application to a client and enter financial data into the funding application. The financial data includes a magnetic ink character recognition (MICR) line, a currency amount, and an account identifier. The instructions further transmit the financial data to a server, validate at least a portion of the financial data by comparing a portion of the financial data to data representing valid demand deposit accounts, convert the MICR line to an item compatible with an automated clearing house (ACH) network, and submit the item and the currency amount to the ACH network. The currency amount is transferred from the demand deposit account of the customer to the financial account of the customer.

公开(公告)号：US10318934B2

公开(公告)日：2019-06-11

申请号：US13776564

申请日：2013-02-25

申请人： eFunds Corporation

发明人： Whitney Hilton Stewart ,  Matthew Lacey Petersen ,  Brian John Gallmeier ,  Teresa Marie Crews ,  Mark Andrew Nipe ,  James Michael Haire ,  Robert Lawrence Hill ,  Michael Richard Bates

IPC分类号： G06Q30/04 ,  G06Q20/04 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/28 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02

摘要： An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.