公开(公告)号：US20110004551A1

公开(公告)日：2011-01-06

申请号：US12845412

申请日：2010-07-28

申请人： David Armes ,  Fred Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

发明人： David Armes ,  Fred Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

IPC分类号： G06Q20/00

CPC分类号： G06Q20/227 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/06

摘要： The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants. The comprehensive payment service is based upon a consolidated account used to store value acquired through on-line transactions. The invention provides private payment numbers for protecting the identities of the participants and includes processes for authenticating participants, authorizing transactions, and settling payments. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.

摘要翻译： 本发明提供了一种用于在保护交易参与者的隐私的同时提供和/或促进完整的在线支付服务的系统和方法。 综合支付服务基于用于存储通过在线交易获得的价值的综合账户。 本发明提供用于保护参与者的身份的私人付款号码，并且包括用于认证参与者，授权交易和结算付款的过程。 因此，本发明使得商家能够有效地接受非标准形式的付款而不改变其当前的支付基础设施，并且使得能够使用任何价值来提供任何网络商家的购买价值。

公开(公告)号：US07783566B2

公开(公告)日：2010-08-24

申请号：US10176729

申请日：2002-06-21

申请人： David Armes ,  Fred Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

发明人： David Armes ,  Fred Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

IPC分类号： G06Q40/00

CPC分类号： G06Q20/227 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/06

摘要： The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants. The comprehensive payment service is based upon a consolidated account used to store value acquired through on-line transactions. The invention provides private payment numbers for protecting the identities of the participants and includes processes for authenticating participants, authorizing transactions, and settling payments. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.

摘要翻译： 本发明提供了一种用于在保护交易参与者的隐私的同时提供和/或促进完整的在线支付服务的系统和方法。 综合支付服务基于用于存储通过在线交易获得的价值的综合账户。 本发明提供用于保护参与者的身份的私人付款号码，并且包括用于认证参与者，授权交易和结算付款的过程。 因此，本发明使得商家能够有效地接受非标准形式的付款而不改变其当前的支付基础设施，并且使得能够使用任何价值来提供任何网络商家的购买价值。

公开(公告)号：US08504474B2

公开(公告)日：2013-08-06

申请号：US12845412

申请日：2010-07-28

申请人： David Armes ,  Fred A. Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

发明人： David Armes ,  Fred A. Bishop ,  Lydia C. Breck ,  Jeff Fehlhaber ,  Gabriella P. Fitzgerald ,  Elliott Glazer ,  Sohail Hussain ,  Margaret C. Mitchell ,  Trey Neeman ,  Leah M. Sweet ,  Dirk White ,  Jessica Zoob

IPC分类号： G06Q40/00

CPC分类号： G06Q20/227 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/06

摘要： The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants. The comprehensive payment service is based upon a consolidated account used to store value acquired through on-line transactions. The invention provides private payment numbers for protecting the identities of the participants and includes processes for authenticating participants, authorizing transactions, and settling payments. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.