公开(公告)号：US08214288B2

公开(公告)日：2012-07-03

申请号：US11966875

申请日：2007-12-28

申请人： Hugo Olliphant ,  George Lee ,  Brian Phillips

发明人： Hugo Olliphant ,  George Lee ,  Brian Phillips

IPC分类号： G06Q40/00

CPC分类号： G06Q20/409 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/02

摘要： A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication.

摘要翻译： 本文描述了一种用于促进通过网络的金融交易的系统和方法，包括使用密码短语帐户标识符。 在一个实施例中，用于促进通过网络的金融交易的系统包括通信接口; 以及支付提供者系统，被配置为经由所述通信接口从商家系统接收密码短语帐户标识符，将所述密码短语帐户标识符与对应的资助工具的相应的资金工具号码相匹配，将相应的资金工具号码传送给发行者系统，接收 来自发行人系统的通知指示是接受融资工具之一或拒绝资金工具，并向商家系统通知通知指示。

公开(公告)号：US20090171900A1

公开(公告)日：2009-07-02

申请号：US11966883

申请日：2007-12-28

申请人： Brian Phillips ,  Hugo Olliphant ,  George Lee ,  Matthew Mengerink

发明人： Brian Phillips ,  Hugo Olliphant ,  George Lee ,  Matthew Mengerink

IPC分类号： G06F7/10 ,  G06Q10/00 ,  H04L9/32 ,  G06F17/30

CPC分类号： G06Q10/107 ,  G06Q30/06 ,  G06Q40/12

摘要： A printer driver may be used to pass transaction information to a remote location for storage. Such transaction information may pertain, for example, to online transactions performed by a user in relation to various online merchants. Such transactions, for example, may also be facilitated by a payment service provider. In one example, a method of processing transaction information includes receiving transaction information at a client device. The transaction information is associated with a user-merchant transaction. The method also includes receiving a user-initiated selection of a printer driver. The method further includes, in response to the selection, passing the transaction information to a remote location to store the transaction information in a transaction record maintained at the remote location. The passing is performed by software implemented in the printer driver. Related methods, devices, and systems are also disclosed.

摘要翻译： 可以使用打印机驱动程序将交易信息传递到远程位置进行存储。 这样的交易信息可以涉及例如由用户相对于各种在线商家执行的在线交易。 这样的交易例如也可以由支付服务提供商来促进。 在一个示例中，处理交易信息的方法包括在客户端设备处接收交易信息。 交易信息与用户商家交易相关联。 该方法还包括接收用户发起的打印机驱动程序的选择。 该方法还包括响应于选择，将交易信息传递到远程位置以将交易信息存储在维护在远程位置的交易记录中。 通过由打印机驱动程序中实现的软件执行。 还公开了相关方法，设备和系统。

公开(公告)号：US20120253955A1

公开(公告)日：2012-10-04

申请号：US13523727

申请日：2012-06-14

申请人： Hugo Olliphant ,  George Lee ,  Brian Phillips

发明人： Hugo Olliphant ,  George Lee ,  Brian Phillips

IPC分类号： G06Q20/40 ,  G06Q20/20

CPC分类号： G06Q20/409 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/02

摘要： A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication.

摘要翻译： 本文描述了一种用于促进通过网络的金融交易的系统和方法，包括使用密码短语帐户标识符。 在一个实施例中，用于促进通过网络的金融交易的系统包括通信接口; 以及支付提供者系统，被配置为经由所述通信接口从商家系统接收密码短语帐户标识符，将所述密码短语帐户标识符与对应的资助工具的相应的资金工具号码相匹配，将相应的资金工具号码传送给发行者系统，接收 来自发行人系统的通知指示是接受融资工具之一或拒绝资金工具，并向商家系统通知通知指示。

公开(公告)号：US20090171844A1

公开(公告)日：2009-07-02

申请号：US11966875

申请日：2007-12-28

申请人： Hugo Olliphant ,  George Lee ,  Brian Phillips

发明人： Hugo Olliphant ,  George Lee ,  Brian Phillips

IPC分类号： G06Q40/00

CPC分类号： G06Q20/409 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/02

摘要： A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicated the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication.

摘要翻译： 本文描述了一种用于促进通过网络的金融交易的系统和方法，包括使用密码短语帐户标识符。 在一个实施例中，用于促进通过网络的金融交易的系统包括通信接口; 以及支付提供者系统，被配置为经由所述通信接口从商家系统接收密码短语帐户标识符，将所述密码短语帐户标识符与对应的资助工具的相应的资金工具号码相匹配，将相应的资金工具号码传送给发行者系统，接收 来自发行人系统的通知指示是接受融资工具之一或拒付资金工具，并向商家系统通知通知指示。

公开(公告)号：US08538877B2

公开(公告)日：2013-09-17

申请号：US13523727

申请日：2012-06-14

申请人： Hugo Olliphant ,  George Lee ,  Brian Phillips

发明人： Hugo Olliphant ,  George Lee ,  Brian Phillips

IPC分类号： G06Q40/00

CPC分类号： G06Q20/409 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/227 ,  G06Q20/24 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/02

摘要： A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a financial transaction over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface a passphrase account identifier from a merchant system, match the passphrase account identifier to a corresponding funding instrument number of a corresponding funding instrument, communicate the corresponding funding instrument number to an issuer system, receive from the issuer system a notification indication of one of acceptance of the funding instrument or decline of the funding instrument, and communicate back to the merchant system the notification indication.

公开(公告)号：US09659300B2

公开(公告)日：2017-05-23

申请号：US13215991

申请日：2011-08-23

申请人： George Lee ,  Hugo Olliphant

发明人： George Lee ,  Hugo Olliphant

IPC分类号： G06Q30/00 ,  G06Q30/02 ,  G06Q30/06

CPC分类号： G06Q30/02 ,  G06Q30/0601 ,  G06Q30/0641

摘要： A system and method for conducting a gift value transaction is described herein. The method includes receiving a request for payment for a gift, wherein the request includes buyer-imposed conditions on use of the gift; notifying a gift recipient of the gift; and tracking the gift recipient's account balances at the different merchants with the buyer-imposed conditions.

公开(公告)号：US20110307343A1

公开(公告)日：2011-12-15

申请号：US13215991

申请日：2011-08-23

申请人： George Lee ,  Hugo Olliphant

发明人： George Lee ,  Hugo Olliphant

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/0601 ,  G06Q30/0641

摘要： A system and method for conducting a gift value transaction is described herein. The method includes receiving a request for payment for a gift, wherein the request includes buyer-imposed conditions on use of the gift; notifying a gift recipient of the gift; and tracking the gift recipient's account balances at the different merchants with the buyer-imposed conditions.

摘要翻译： 这里描述了进行礼品价值交易的系统和方法。 该方法包括接收礼品的付款请求，其中该请求包括购买者对使用礼物的条件; 通知送礼礼物的礼物; 并在买方强加的条件下跟踪不同商家的礼品收据的帐户余额。

公开(公告)号：US20090171804A1

公开(公告)日：2009-07-02

申请号：US11966861

申请日：2007-12-28

申请人： George Lee ,  Hugo Olliphant

发明人： George Lee ,  Hugo Olliphant

IPC分类号： G06Q30/00

CPC分类号： G06Q30/02 ,  G06Q30/0601 ,  G06Q30/0641

摘要： A system and method for conducting a gift value transaction is described herein. The method includes receiving a request for payment for a gift; notifying a gift recipient of the gift; prompting the gift recipient to accept or reject the gift; and receiving a response from the gift recipient, wherein if the response is to accept the gift, the gift is released to the gift recipient, and if the response is to reject the gift, prompting the gift recipient to select an alternative gift in place of the gift.

摘要翻译： 这里描述了进行礼品价值交易的系统和方法。 该方法包括接收礼品的付款请求; 通知送礼礼物的礼物; 促使礼物收件人接受或拒绝礼物; 并且接收礼物收件人的回复，其中如果回复是接受礼物，礼物被释放给礼物接收者，并且如果该回复是拒绝礼物，则促使礼物接收者选择替代礼物来代替礼物 礼物。

公开(公告)号：US08204840B2

公开(公告)日：2012-06-19

申请号：US11953244

申请日：2007-12-10

申请人： Dhanurjay A. S. Patil ,  Timothy M. Murphy ,  Hugo Olliphant ,  Brian Andrew Phillips ,  George Lee ,  Daniel L Pritchett

发明人： Dhanurjay A. S. Patil ,  Timothy M. Murphy ,  Hugo Olliphant ,  Brian Andrew Phillips ,  George Lee ,  Daniel L Pritchett

IPC分类号： G06F17/00

CPC分类号： G06Q30/02 ,  G06Q40/00

摘要： In one embodiment, a system and method is illustrated as including generating a model using at least one of a global conduct score and attribute data. A range of numeric values may be retrieved, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction. A comparison may be made between the model and the range of numeric values. Further, a better term may be granted in the transaction where the model falls within the range of numeric values. The global conduct score is computed using an approach including at least one of a feed score approach, and a composite score approach. The attribute data includes page view data, click through data, account usage data, and good purchased data. The model includes a global conduct score model, a weighting model, an AI based model, and an associated network based model.

摘要翻译： 在一个实施例中，系统和方法被示出为包括使用全局行为得分和属性数据中的至少一个生成模型。 可以检索一系列数值，根据这些数值，交易中授予的交易中更好的条款将比交易中另行授予的更好。 可以在模型和数值范围之间进行比较。 此外，在模型落在数值范围内的交易中可以授予更好的期限。 使用包括饲料分数方法和综合评分方法中的至少一种的方法来计算全球行为得分。 属性数据包括页面浏览数据，点击数据，帐户使用数据和良好的购买数据。 该模型包括全球行为评分模型，加权模型，基于AI的模型和相关联的基于网络的模型。

公开(公告)号：US20090171843A1

公开(公告)日：2009-07-02

申请号：US11966830

申请日：2007-12-28

申请人： George Lee ,  Hugo Olliphant

发明人： George Lee ,  Hugo Olliphant

IPC分类号： G06Q20/00

CPC分类号： G06Q20/356 ,  G06Q20/12 ,  G06Q20/204 ,  G06Q20/24 ,  G06Q20/40

摘要： A universal funding card and the delayed assignment of a funding instrument for a financial transaction are described herein. In one embodiment, a system for facilitating a financial transaction comprises a communications interface; a database storing data regarding a user and a plurality of funding instruments associated with that user; and a payment processing system configured to receive a request for payment authorization from a merchant via the communications interface, to authorize payment to the merchant prior to selection of a funding instrument, and after authorizing payment to the merchant, receive instructions regarding a funding instrument to debit for the payment.

摘要翻译： 这里描述了普遍的资金卡和延迟转让金融交易的融资工具。 在一个实施例中，用于促进金融交易的系统包括通信接口; 存储关于用户的数据和与该用户相关联的多个资金工具的数据库; 以及支付处理系统，被配置为经由通信接口从商家接收对支付授权的请求，以在选择资助工具之前向商家授权付款，并且在授权向商家付款之后，接收关于资助工具的指令 借记付款。