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公开(公告)号：US20060249570A1
公开(公告)日：2006-11-09
申请号：US11122414
申请日：2005-05-04
申请人： Dean Seifert , Mark Baumgart , Thomas Sayor
发明人： Dean Seifert , Mark Baumgart , Thomas Sayor
CPC分类号： G07F7/0866 , G06Q20/10 , G06Q20/204 , G06Q20/363 , G06Q30/0601 , G06Q40/00
摘要： Stored value cards, such as gift cards, from different card issuers are displayed for sale and activation at retail locations. A distribution database system maintains records of cards sold at the retail locations. The system accounts to each retailer for commissions owed for cards sold by that retailer, and accounts to each card issuer for its cards that are sold at each retail location.
摘要翻译： 显示来自不同发卡机构的储值卡（如礼品卡），以在零售地点进行销售和激活。 分发数据库系统维护在零售点销售的卡的记录。 系统向每个零售商报销由该零售商销售的卡片的佣金，以及每个卡片发行商在每个零售地点销售的卡片的帐户。
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公开(公告)号：US20060261150A1
公开(公告)日：2006-11-23
申请号：US11132710
申请日：2005-05-18
申请人： Dean Seifert , Thomas Sayor , Mark Baumgart
发明人： Dean Seifert , Thomas Sayor , Mark Baumgart
IPC分类号： G06Q40/00
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes establishing a money transfer record (310) and receiving, from a vendor location, a money transfer activation request (320) associated with the money transfer record. The method includes receiving a fulfillment request (330) associated with the money transfer record, collecting a customer data set, and authorizing a money transfer (340) associated with the money transfer record. The money transfer is facilitated by the creation of a money transfer record, which may occur prior to the money transfer activation request. The customer then can initiate the money transfer while at the vendor location using, for example, money transfer cards available for purchase from the vendor.
摘要翻译： 本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。 一种这样的方法包括建立汇款记录（310）并且从供应商位置接收与汇款记录相关联的汇款活动请求（320）。 该方法包括接收与汇款记录相关联的履行请求（330），收集客户数据集，以及授权与汇款记录相关联的汇款（340）。 通过创建可能在汇款激活请求之前发生的汇款记录来促进汇款。 然后，客户可以在供应商位置使用例如可从供应商购买的汇款卡来启动汇款。
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公开(公告)号：US08083133B2
公开(公告)日：2011-12-27
申请号：US11122414
申请日：2005-05-04
申请人： Dean A. Seifert , Mark Baumgart , Thomas Sayor
发明人： Dean A. Seifert , Mark Baumgart , Thomas Sayor
CPC分类号： G07F7/0866 , G06Q20/10 , G06Q20/204 , G06Q20/363 , G06Q30/0601 , G06Q40/00
摘要： Stored value cards, such as gift cards, from different card issuers are displayed for sale and activation at retail locations. A distribution database system maintains records of cards sold at the retail locations. The system accounts to each retailer for commissions owed for cards sold by that retailer, and accounts to each card issuer for its cards that are sold at each retail location.
摘要翻译： 显示来自不同发卡机构的储值卡（如礼品卡），以在零售地点进行销售和激活。 分发数据库系统维护在零售点销售的卡的记录。 系统向每个零售商报销由该零售商销售的卡片的佣金，以及每个卡片发行商在每个零售地点销售的卡片的帐户。
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公开(公告)号：US08464935B2
公开(公告)日：2013-06-18
申请号：US12792382
申请日：2010-06-02
申请人： Kurt Hansen , Thomas Sayor
发明人： Kurt Hansen , Thomas Sayor
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
摘要翻译： 本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。 一种这样的方法包括从供应商位置（360）接收对传输对验证的请求，以及验证传输对与有效传输对记录（362）相关联。 所述方法包括：将所述传送对验证发送到所述供应商位置（368），从所述供应商位置接收与所述传送对相关联的汇款请求（370），以及授权汇款（372）至少一个第一和 与转移对相关联的第二个客户。 以这种方式，可以使用可以包括销售点设备并且可以是零售商店（例如杂货店，加油站等）的供应商位置来促进两个客户之间的货币转移。
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公开(公告)号：US20100332335A1
公开(公告)日：2010-12-30
申请号：US12792382
申请日：2010-06-02
申请人： Kurt Hansen , Thomas Sayor
发明人： Kurt Hansen , Thomas Sayor
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
摘要翻译： 本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。 一种这样的方法包括从供应商位置（360）接收对传输对验证的请求，以及验证传输对与有效传输对记录（362）相关联。 所述方法包括：将所述传送对验证发送到所述供应商位置（368），从所述供应商位置接收与所述传送对相关联的汇款请求（370），以及授权汇款（372）至少一个第一和 与转移对相关联的第二个客户。 以这种方式，可以使用可以包括销售点设备并且可以是零售商店（例如，杂货店，加油站等）的供应商位置来促进两个客户之间的货币转移。
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公开(公告)号：US07753267B2
公开(公告)日：2010-07-13
申请号：US12125757
申请日：2008-05-22
申请人： Kurt Hansen , Thomas Sayor
发明人： Kurt Hansen , Thomas Sayor
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
摘要翻译： 本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。 一种这样的方法包括从供应商位置（360）接收对传输对验证的请求，以及验证传输对与有效传输对记录（362）相关联。 所述方法包括：将所述传送对验证发送到所述供应商位置（368），从所述供应商位置接收与所述传送对相关联的汇款请求（370），以及授权汇款（372）至少一个第一和 与转移对相关联的第二个客户。 以这种方式，可以使用可以包括销售点设备并且可以是零售商店（例如，杂货店，加油站等）的供应商位置来促进两个客户之间的货币转移。
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公开(公告)号：US20060261151A1
公开(公告)日：2006-11-23
申请号：US11132725
申请日：2005-05-18
申请人： Kurt Hansen , Thomas Sayor
发明人： Kurt Hansen , Thomas Sayor
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
摘要翻译： 本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。 一种这样的方法包括从供应商位置（360）接收对传输对验证的请求，以及验证传输对与有效传输对记录（362）相关联。 所述方法包括：将所述传送对验证发送到所述供应商位置（368），从所述供应商位置接收与所述传送对相关联的汇款请求（370），以及授权汇款（372）至少一个第一和 与转移对相关联的第二个客户。 以这种方式，可以使用可以包括销售点设备并且可以是零售商店（例如，杂货店，加油站等）的供应商位置来促进两个客户之间的货币转移。
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公开(公告)号：US20060131387A1
公开(公告)日：2006-06-22
申请号：US11283535
申请日：2005-11-18
申请人： Kurt Hansen , Earney Stoutenburg , Thomas Sayor
发明人： Kurt Hansen , Earney Stoutenburg , Thomas Sayor
摘要： Methods coordinate payment for a remote transaction with a first party. An identification of the first party is received at a host system. Acknowledgment of receipt of a cash payment from a second party is received. The cash payment is associated with the identification of the first party. A money transfer corresponding to the cash payment to the control of the first party is executed with a request for the first party to perform on previously agreed terms of the remote transaction.
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公开(公告)号：US20060085335A1
公开(公告)日：2006-04-20
申请号：US10969767
申请日：2004-10-19
申请人： Erik Crawford , Thomas Sayor
发明人： Erik Crawford , Thomas Sayor
IPC分类号： G06Q40/00
CPC分类号： G06Q20/20 , G06Q20/102 , G06Q30/04
摘要： The present invention provides systems and methods of processing bill payments. One such method includes receiving a payment request from a customer. The payment request is for a bill associated with a vendor. The vendor may be any number of vendors including utility companies, mortgage lenders, credit card companies, financing companies for the purchase of furniture, appliances, or automobiles, and the like. The method includes verifying, using a point-of-sale device, whether the vendor is included in a group of authorizing vendors. A customer identification and a payment amount associated with the particular bill is received from the customer. The method further includes receiving a payment authorization and providing a receipt to the customer. In this manner, the customer may use a point-of-sale device to make on-time bill payments.
摘要翻译： 本发明提供了处理账单支付的系统和方法。 一种这样的方法包括从客户接收支付请求。 付款请求是用于与供应商相关联的帐单。 供应商可以是任何数量的供应商，包括公用事业公司，抵押贷款人，信用卡公司，购买家具，电器或汽车的融资公司等。 该方法包括使用销售点设备验证供应商是否包括在一组授权供应商中。 从客户处收到与特定帐单相关联的客户识别和支付金额。 该方法还包括接收支付授权并向客户提供收据。 以这种方式，客户可以使用销售点设备进行按时付款。
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公开(公告)号：US20080222013A1
公开(公告)日：2008-09-11
申请号：US12125757
申请日：2008-05-22
申请人： Kurt Hansen , Thomas Sayor
发明人： Kurt Hansen , Thomas Sayor
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
摘要翻译： 本发明提供了启动，促进，处理和/或执行资金转移的系统和方法。 一种这样的方法包括从供应商位置（360）接收对传输对验证的请求，以及验证传输对与有效传输对记录（362）相关联。 所述方法包括：将所述传送对验证发送到所述供应商位置（368），从所述供应商位置接收与所述传送对相关联的汇款请求（370），以及授权汇款（372）至少一个第一和 与转移对相关联的第二个客户。 以这种方式，可以使用可以包括销售点设备并且可以是零售商店（例如，杂货店，加油站等）的供应商位置来促进两个客户之间的货币转移。
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