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1.发明申请INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE 审中-公开基于移动电话接入支付卡账户的国际汇款制度公开(公告)号：US20080249930A1
公开(公告)日：2008-10-09
申请号：US11837002
申请日：2007-08-10
申请人： Dennis J. Hill , Sandeep Malhotra , Sara E. Fiebiger , Dana Lorberg , Patrick Killian , Andrew D. Campbell , Robert K. Walls , David Chan
发明人： Dennis J. Hill , Sandeep Malhotra , Sara E. Fiebiger , Dana Lorberg , Patrick Killian , Andrew D. Campbell , Robert K. Walls , David Chan
IPC分类号： G06Q20/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/102 , G06Q20/381 , G06Q40/00 , G06Q40/02 , G06Q40/04
摘要： A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company.
摘要翻译： 资金转移系统包括第一移动电话运营公司和第一金融机构，其与第一移动电话运营公司交换关于资金转移请求的数据通信。 该系统还包括第二移动电话公司和第二金融机构。 该系统还包括支付处理网络运营公司。 支付处理网络运营公司将资金从第一金融机构转移到第二金融机构，以使拥有由第二手机运营公司服务的移动电话的接收方受益。
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2.发明申请INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE 审中-公开基于移动电话接入支付卡账户的国际汇款制度公开(公告)号：US20120317030A1
公开(公告)日：2012-12-13
申请号：US13568545
申请日：2012-08-07
申请人： Dennis J. Hill , Sandeep Malhotra , Sara E. Fiebiger , Dana Lorberg , Patrick Killian , Andrew D. Campbell , Robert K. Walls , David Chan
发明人： Dennis J. Hill , Sandeep Malhotra , Sara E. Fiebiger , Dana Lorberg , Patrick Killian , Andrew D. Campbell , Robert K. Walls , David Chan
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/102 , G06Q20/381 , G06Q40/00 , G06Q40/02 , G06Q40/04
摘要： Methods and systems for registering a remittance customer to facilitate international funds transfers are described. In an embodiment a first financial institution computer in a first country receives the name, residence address and a mobile telephone number of a remittance customer from a first mobile network operator (MNO), and also receives image data that corresponds to documentation verifying the remittance customer's identity and residence address. A new payment card account number is generated for the remittance customer and is stored along with the image data and first mobile telephone number. The remittance customer's mobile telephone number and new payment card account number is then transmitted to a translation server of a payment system used for transferring funds internationally.
摘要翻译： 描述了用于注册汇款客户以促进国际资金转移的方法和系统。 在一个实施例中，第一国家的第一金融机构计算机从第一移动网络运营商（MNO）接收汇款客户的姓名，居住地址和移动电话号码，并且还接收对应于验证汇款客户的文档的文档的图像数据 身份和居住地址。 为汇款客户生成新的支付卡帐号，并与图像数据和第一移动电话号码一起存储。 然后将汇款客户的移动电话号码和新的支付卡账户号码发送到用于国际转账的支付系统的翻译服务器。
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3.发明申请INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE 审中-公开基于移动电话接入支付卡账户的国际汇款制度公开(公告)号：US20120016795A1
公开(公告)日：2012-01-19
申请号：US13243509
申请日：2011-09-23
申请人： Dennis J. Hill , Sandeep Malhotra , Sara E. Fiebiger , Dana Lorberg , Patrick Killian , Andrew D. Campbell , Robert K. Walls , David Chan
发明人： Dennis J. Hill , Sandeep Malhotra , Sara E. Fiebiger , Dana Lorberg , Patrick Killian , Andrew D. Campbell , Robert K. Walls , David Chan
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/102 , G06Q20/381 , G06Q40/00 , G06Q40/02 , G06Q40/04
摘要： A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company.
摘要翻译： 资金转移系统包括第一移动电话运营公司和第一金融机构，其与第一移动电话运营公司交换关于资金转移请求的数据通信。 该系统还包括第二移动电话公司和第二金融机构。 该系统还包括支付处理网络运营公司。 支付处理网络运营公司将资金从第一金融机构转移到第二金融机构，以使拥有由第二手机运营公司服务的移动电话的接收方受益。
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4.发明申请PAYMENT CARD BASED REMITTANCE SYSTEM WITH DESIGNATION OF RECIPIENT BY MOBILE TELEPHONE NUMBER 审中-公开以移动电话号码指定收款人的付款卡为基础的汇款系统公开(公告)号：US20080249928A1
公开(公告)日：2008-10-09
申请号：US11836945
申请日：2007-08-10
申请人： Dennis J. Hill , Sandeep Malhotra , Sara E. Fiebiger , Dana Lorberg , Patrick Killian , Andrew D. Campbell
发明人： Dennis J. Hill , Sandeep Malhotra , Sara E. Fiebiger , Dana Lorberg , Patrick Killian , Andrew D. Campbell
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/04 , G06Q20/10 , G06Q20/32 , G06Q20/322 , G06Q20/3223 , G06Q40/00
摘要： A request is received for a funds transfer. The request includes a destination telephone number. The destination telephone number is translated into a destination payment card account number. The funds transfer is routed as a payment transaction using the destination payment card account number.
摘要翻译： 收到资金转帐请求。 请求包括目的地电话号码。 目的地电话号码被翻译成目的地支付卡帐号。 使用目的地支付卡帐号将资金转帐作为支付交易路由。
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公开(公告)号：US08396793B2
公开(公告)日：2013-03-12
申请号：US11836956
申请日：2007-08-10
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/403 , G06Q40/02
摘要： A payment system receives, from a first financial institution, a request for a funds transfer. The request originates from a sender who has an account with the first financial institution. The payment system routes the funds transfer to a second financial institution for the benefit of a recipient. The payment system receives, from the second financial institution, the recipient's name and residential address.
摘要翻译： 支付系统从第一金融机构接收资金转帐请求。 请求来自具有第一金融机构帐户的发件人。 支付系统将资金转移转移到第二个金融机构，以便收件人的利益。 支付系统从第二个金融机构接收收件人的姓名和住址。
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6.发明申请公开(公告)号：US20080249929A1
公开(公告)日：2008-10-09
申请号：US11836956
申请日：2007-08-10
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/403 , G06Q40/02
摘要： A payment system receives, from a first financial institution, a request for a funds transfer. The request originates from a sender who has an account with the first financial institution. The payment system routes the funds transfer to a second financial institution for the benefit of a recipient. The payment system receives, from the second financial institution, the recipient's name and residential address.
摘要翻译： 支付系统从第一金融机构接收资金转帐请求。 请求来自具有第一金融机构帐户的发件人。 支付系统将资金转移转移到第二个金融机构，以便收件人的利益。 支付系统从第二个金融机构接收收件人的姓名和住址。
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7.发明申请PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION 审中-公开基于付款卡的汇款系统，将货币清算信息交付给财务机构公开(公告)号：US20130151408A1
公开(公告)日：2013-06-13
申请号：US13757227
申请日：2013-02-01
IPC分类号： G06Q20/40
CPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/403 , G06Q40/02
摘要： A payment system computer receives a request for a funds transfer from a sender to a recipient. The payment system computer routes a request to authorize funding of the funds transfer to a first financial institution. The payment system computer receives an authorization response that includes sender information that satisfies know your customer (KYC)/anti-money laundering (AML) requirements. A mobile telephone number of the recipient is translated into a recipient account number, wherein the recipient account number corresponds to a recipient account at a second financial institution different from the first financial institution. The payment system computer then transmits the sender information and the funds to the second financial institution to satisfy KYC/AML requirements and for crediting to the recipient account.
摘要翻译： 支付系统计算机接收从发送者到接收方的资金转帐请求。 付款系统计算机向第一个金融机构发送授权资金拨款请求。 支付系统计算机接收到包括满足您的客户（KYC）/反洗钱（AML）要求）的发件人信息的授权响应。 接收方的移动电话号码被转换为接收者帐号，其中接收者帐号对应于与第一金融机构不同的第二金融机构的接收账户。 然后，支付系统计算机将发送者信息和资金传送给第二金融机构以满足KYC / AML要求并记入接收者帐户。
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公开(公告)号：US20080249910A1
公开(公告)日：2008-10-09
申请号：US11836917
申请日：2007-08-10
IPC分类号： G06Q40/00
摘要： An application is received to register a customer for a funds transfer system. The application includes (a) the customer's name, (b) the customer's residential address, (c) the customer's mobile telephone number, and (d) an identification document that confirms the customer's name and residential address. The customer's mobile telephone number is associated with a payment card account number. The customer's name and residential address and a record of the identification document are stored in association with the payment card account number.
摘要翻译： 收到申请以注册资金转帐系统的客户。 该应用程序包括（a）客户名称，（b）客户的住址，（c）客户的移动电话号码，以及（d）确认客户姓名和住址的身份证明文件。 客户的移动电话号码与支付卡帐号相关联。 客户的姓名和住址以及身份证件的记录与支付卡账号相关联存储。
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9.发明申请PAYMENT SERVICES PROVIDER METHODS IN CONNECTION WITH PERSONALIZED PAYMENTS SYSTEM 审中-公开付款服务提供者与个人化付款系统相关的方法公开(公告)号：US20090094123A1
公开(公告)日：2009-04-09
申请号：US11964343
申请日：2007-12-26
IPC分类号： G06Q20/00
CPC分类号： G06Q40/12 , G06Q20/0855 , G06Q20/10 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/3221 , G06Q20/3229 , G06Q20/40 , G06Q40/02 , G06Q40/10
摘要： A method includes receiving transaction information from a merchant device. The transaction information includes a transaction amount and merchant information that identifies a merchant that operates the merchant device. The method further includes receiving, from a mobile device, a request that a funds transfer be made from a payment card account that belongs to a customer who is operating the mobile device to a payment card account that belongs to the merchant. The method also includes forwarding the request to a financial institution that issued the payment card account that belongs to the customer.
摘要翻译： 一种方法包括从商家设备接收交易信息。 交易信息包括交易金额和商家信息，其标识操作商家装置的商家。 该方法还包括从移动设备接收从属于正在操作移动设备的客户的支付卡帐户进行资金转移到属于商家的支付卡帐户的请求。 该方法还包括将请求转发给发布属于客户的支付卡账户的金融机构。
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公开(公告)号：US20130173407A1
公开(公告)日：2013-07-04
申请号：US13777487
申请日：2013-02-26
IPC分类号： G06Q20/40
CPC分类号： G06Q40/12 , G06Q20/0855 , G06Q20/10 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/3221 , G06Q20/3229 , G06Q20/40 , G06Q40/02 , G06Q40/10
摘要： A method of operating a merchant device includes the merchant device receiving an input from a customer mobile device concerning a financial transaction. The method further includes the merchant device selecting a payment transaction mode of operation when the input is a request for a payment card system transaction, or selecting a payment card purchase transaction mode of operation when the input from the customer mobile device is a payment card account number. In the payment transaction mode of operation the merchant device provides transaction data to the customer's mobile device, whereas in the payment card purchase transaction mode the merchant device transmits a payment card authorization request to an acquirer financial institution.
摘要翻译： 操作商家设备的方法包括商人设备从客户移动设备接收关于金融交易的输入。 该方法还包括：当输入是支付卡系统交易的请求时，商家设备选择支付交易模式，或者当客户移动设备的输入是支付卡账户时，选择支付卡购买交易操作模式 数。 在支付交易模式中，商家装置向客户的移动装置提供交易数据，而在支付卡购买交易模式中，商家装置向收单方金融机构发送支付卡授权请求。
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