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公开(公告)号：US20110238568A1
公开(公告)日：2011-09-29
申请号：US13112748
申请日：2011-05-20
申请人： Gregory Lee Booth , Amanda Jane Holcomb , Stephanie Lee Willett-Smith , Jason P. Blackhurst , Anthony B. Calderone , William E. Thomas
发明人： Gregory Lee Booth , Amanda Jane Holcomb , Stephanie Lee Willett-Smith , Jason P. Blackhurst , Anthony B. Calderone , William E. Thomas
IPC分类号： G06Q40/00
摘要： Systems, apparatuses, and methods are illustrated for enhancing the transfer of funds. Aspects of the disclosure relate to enhancing the transfer of funds using a plurality of factors/controls, such as speed, quality, cost, priority, and/or volume. The volume controls may be configured with minimum and maximum values and configured to override other factors (e.g., cost, quality, etc.) Systems and methods are disclosed to assist in selecting delivery mechanism to transfer funds in an enhanced manner.
摘要翻译： 说明了系统，设备和方法，以加强资金转移。 本公开的方面涉及使用诸如速度，质量，成本，优先级和/或体积的多个因素/控制来增加资金转移。 音量控制可以被配置为具有最小值和最大值，并被配置为覆盖其他因素（例如，成本，质量等）。公开了系统和方法，以帮助选择递送机制以增强的方式来转移资金。
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公开(公告)号：US20110246358A1
公开(公告)日：2011-10-06
申请号：US12814288
申请日：2010-06-11
IPC分类号： G06Q40/00
摘要： Systems, apparatuses, and methods are illustrated for enhancing the transfer of funds. Aspects of the disclosure relate to enhancing the transfer of funds using a plurality of factors, such as speed factors, quality factors, cost factors, and/or priority factors. Users sometimes desire to remotely transfer funds from their account (i.e., payor account) to a payee, but are ambivalent as to the delivery mechanism their financial institution uses to perform the transfer. Systems and methods are disclosed to assist in selecting delivery mechanism to transfer funds in an enhanced manner.
摘要翻译： 说明了系统，设备和方法，以加强资金转移。 本公开的方面涉及使用多个因素（例如速度因素，质量因素，成本因素和/或优先级因素）来增加资金转移。 用户有时希望将资金从其账户（即付款人帐户）远程转移到收款人，但对于其金融机构用于执行转帐的交付机制来说，这是矛盾的。 公开了系统和方法，以帮助选择递送机制以增强方式转移资金。
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公开(公告)号：US09619806B2
公开(公告)日：2017-04-11
申请号：US13617627
申请日：2012-09-14
IPC分类号： G06Q30/00
CPC分类号： G06Q30/00
摘要： Embodiments of the invention are directed to systems, methods and computer program products for providing a system for a peer-to-peer transfer of funds for a specified purpose. An exemplary apparatus is configured to: receive information from a user relating to a peer-to-peer transfer of funds, wherein the information comprises a recipient and a specified use; identify at least one recipient account for the recipient; receive information associated with a transaction; determine the transaction qualifies for the specified use; and apply funds associated with the peer-to-peer transfer to the transaction. The specified purpose may be use at a specific merchant, use to purchase a specific product, or other types of specified uses. Computer program products and methods are also provided.
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公开(公告)号：US08566169B2
公开(公告)日：2013-10-22
申请号：US13342074
申请日：2012-01-01
摘要： A virtual gift credit system that automatically attaches gift credit to a payment account or vehicle of the gift recipient upon issuance of the gift credit is herein described. By attaching the gift credit amount to the recipient's payment account, subsequent purchases made using the payment account, and of the type associated with the gift credit, are automatically settled by applying the gift credit amount to the purchase amount. Further, the invention does not require gift recipients to share confidential account information with gift providers in order for the gift providers to bestow gift credit upon the gift recipients. Through the use of aliases, which serve to tie an identifier, such as a gift recipient's telephone number, email address or the like to a gift recipient's payment account, the invention does not require that the gift provider know any information about the financial accounts of the intended gift recipient.
摘要翻译： 这里描述了在发放礼品赠送时自动将礼品赠送到礼品收据的付款帐户或车辆的虚拟礼品信用系统。 通过将礼品信用额度附加到收件人的付款帐户，使用支付帐户进行的后续购买以及与礼品信用相关联的类型通过将购买金额的礼品信用额度应用于自动结算。 此外，本发明不要求礼品收件人与礼品提供者共享机密帐户信息，以便礼品提供者向礼品赠送者赠送礼品信用。 通过使用用于将礼物接收者的电话号码，电子邮件地址等的标识符与礼物接收者的支付帐户相关联的别名，本发明不要求礼品提供者知道有关财务帐户的任何信息 预定礼物收件人。
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公开(公告)号：US20130018778A1
公开(公告)日：2013-01-17
申请号：US13342074
申请日：2012-01-01
IPC分类号： G06Q40/00
摘要： A virtual gift credit system that automatically attaches gift credit to a payment account or vehicle of the gift recipient upon issuance of the gift credit is herein described. By attaching the gift credit amount to the recipient's payment account, subsequent purchases made using the payment account, and of the type associated with the gift credit, are automatically settled by applying the gift credit amount to the purchase amount. Further, the invention does not require gift recipients to share confidential account information with gift providers in order for the gift providers to bestow gift credit upon the gift recipients. Through the use of aliases, which serve to tie an identifier, such as a gift recipient's telephone number, email address or the like to a gift recipient's payment account, the invention does not require that the gift provider know any information about the financial accounts of the intended gift recipient.
摘要翻译： 这里描述了在发放礼品赠送时自动将礼品赠送到礼品收据的付款帐户或车辆的虚拟礼品信用系统。 通过将礼品信用额度附加到收件人的付款帐户，使用支付帐户进行的后续购买以及与礼品信用相关联的类型通过将购买金额的礼品信用额度应用于自动结算。 此外，本发明不要求礼品收件人与礼品提供者共享机密帐户信息，以便礼品提供者向礼品赠送者赠送礼品信用。 通过使用用于将礼物接收者的电话号码，电子邮件地址等的标识符与礼物接收者的支付帐户相关联的别名，本发明不要求礼品提供者知道有关财务帐户的任何信息 预定礼物收件人。
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公开(公告)号：US20100125514A1
公开(公告)日：2010-05-20
申请号：US12271833
申请日：2008-11-14
IPC分类号： G06Q40/00
摘要： Aspects of the disclosure relate to enhancing the transfer of funds involving particular payee-payors. Users sometimes desire to remotely transfer funds from their account (i.e., payor account) to a payee, but are ambivalent as to the delivery mechanism their financial institution uses to perform the transfer. Systems and methods are disclosed that relate to using a routing engine to assist in transferring funds in an enhanced manner.
摘要翻译： 披露的方面涉及加强涉及特定收款人付款人的资金转移。 用户有时希望将资金从其账户（即付款人帐户）远程转移到收款人，但对于他们的金融机构用于执行转帐的交付机制来说是矛盾的。 公开了涉及使用路由引擎以增强方式来协助转移资金的系统和方法。
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