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公开(公告)号：US20090144193A1
公开(公告)日：2009-06-04
申请号：US12038177
申请日：2008-02-27
IPC分类号： G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/403 , G06Q40/02
摘要： A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account.
摘要翻译： 描述用于控制具有一个或多个子帐户的货币账户的系统和方法。 建立与实体的货币账户，并确定与货币账户相关联的账户用户。 建立与实体的子账户，子账户与货币账户相关联，包括从货币账户转入的货币资金。 识别与子帐户相关联的至少一个子帐户用户，其中至少一个子帐户用户与帐户用户不同。 由帐户用户放置的一个或多个控件在子帐户和至少一个子帐户用户中的至少一个上建立。 至少一个子帐户用户被限制在货币账户中访问货币资金，并且允许帐户用户访问子帐户。
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公开(公告)号：US20110004547A1
公开(公告)日：2011-01-06
申请号：US12881074
申请日：2010-09-13
IPC分类号： G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/403 , G06Q40/02
摘要： Embodiments of the invention provide systems and methods for providing a mobile device user with the ability to user their mobile devices to make payments to others without knowing the payment recipient's account number. For example, an embodiment of the includes: (1) receiving a payment request from a mobile phone, such as through a text message, where the payment request includes an alias, and where the alias is not a financial account number; (2) identifying a payment recipient's financial account based at least partially on the alias; and (3) transferring funds to the payment recipient's financial account.
摘要翻译： 本发明的实施例提供系统和方法，用于向移动设备用户提供在不知道支付接收者的帐号的情况下用户他们的移动设备向他人付款的能力。 例如，其实施例包括：（1）例如通过文本消息从移动电话接收支付请求，其中支付请求包括别名，并且别名不是财务帐号; （2）至少部分地基于别名识别付款接收人的财务帐户; （3）将资金转入付款人的财务账户。
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公开(公告)号：US08249985B2
公开(公告)日：2012-08-21
申请号：US12038177
申请日：2008-02-27
IPC分类号： G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/403 , G06Q40/02
摘要： A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account.
摘要翻译： 描述用于控制具有一个或多个子帐户的货币账户的系统和方法。 建立与实体的货币账户，并确定与货币账户相关联的账户用户。 建立与实体的子账户，子账户与货币账户相关联，包括从货币账户转入的货币资金。 识别与子帐户相关联的至少一个子帐户用户，其中至少一个子帐户用户与帐户用户不同。 由帐户用户放置的一个或多个控件在子帐户和至少一个子帐户用户中的至少一个上建立。 至少一个子帐户用户被限制在货币账户中访问货币资金，并且允许帐户用户访问子帐户。
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公开(公告)号：US20110010293A1
公开(公告)日：2011-01-13
申请号：US12881073
申请日：2010-09-13
IPC分类号： G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/403 , G06Q40/02
摘要： Embodiments of the invention provide systems and methods for creating a financial account alias data repository to be used to identify payee accounts in payment transactions. For example, an embodiment of the method includes: (1) receiving a communication comprising an alias that is not a financial account number; and (2) using a processor to store the alias in memory and create a data repository in the memory that maps the alias to a particular financial account such that the alias can be used by others instead of a financial account number to transfer money to the particular financial account associated with the alias. The alias may include, for example, a telephone number, email address, or social networking identifier of the financial account owner.
摘要翻译： 本发明的实施例提供用于创建用于识别支付交易中的收款人账户的金融账户别名数据存储库的系统和方法。 例如，该方法的一个实施例包括：（1）接收包括不是财务帐号的别名的通信; 和（2）使用处理器将别名存储在存储器中并在存储器中创建将别名映射到特定财务帐户的数据存储库，使得别名可以使用别名而不是财务帐号将资金转移到 与别名相关的特定财务帐户。 别名可以包括例如财务帐户所有者的电话号码，电子邮件地址或社交网络标识符。
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公开(公告)号：US20110010292A1
公开(公告)日：2011-01-13
申请号：US12881071
申请日：2010-09-13
IPC分类号： G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/403 , G06Q40/02
摘要： Embodiments of the invention provide a system and method for using aliases, such as mobile telephone numbers, email addresses, and social networking identifications, to identify a payment recipient's account involved in a payment transaction. Some embodiments of the method include: (1) receiving a payment request from a payment sender via a communication from a remote device, where the payment request includes an alias, and where the alias is not an account number; (2) using a processor to identify a payment recipient's financial account based at least partially on the alias; and (3) transferring funds from the payment sender's account to the payment recipient's account. Identifying the payment recipient's financial account based on the alias may include accessing a memory device having a data repository stored therein that maps each of a plurality of aliases back to a financial account number, and then using the data repository in combination with the alias to identify the payment recipient's financial account number.
摘要翻译： 本发明的实施例提供了一种用于使用别名（诸如移动电话号码，电子邮件地址和社交网络标识）的系统和方法来识别支付交易中涉及的支付接收者的账户。 该方法的一些实施例包括：（1）经由来自远程设备的通信从支付发送方接收支付请求，其中支付请求包括别名，并且别名不是帐号; （2）使用处理器至少部分地基于所述别名来识别付款接收者的金融账户; 和（3）将资金从支付寄件人帐户转入付款收款人的帐户。 基于别名识别付款接收者的金融账户可以包括访问存储有存储在其中的数据库的存储器设备，其将多个别名中的每一个映射回到金融帐号，然后与该别名结合使用数据存储库以识别 付款人的财务帐号。
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公开(公告)号：US20110004550A1
公开(公告)日：2011-01-06
申请号：US12881080
申请日：2010-09-13
IPC分类号： G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/403 , G06Q40/02
摘要： Embodiments of the invention provide a system and method for on-boarding customers via a viral account opening or account registration process that uses aliases, such as telephone numbers, email addresses, and social networking identifiers, to identify payee accounts. If an alias is received for which a payee account cannot be identified, embodiments of the invention use the alias to contact the payee and request that the payee register an existing account or open a new account.
摘要翻译： 本发明的实施例提供了一种通过病毒开户或帐户注册过程来登载客户的系统和方法，该过程使用诸如电话号码，电子邮件地址和社交网络标识符之类的别名来识别收款人账户。 如果接收到不能识别收款人帐户的别名，本发明的实施例使用别名来联系收款人并请求收款人注册现有帐户或开立新帐户。
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公开(公告)号：US08725635B2
公开(公告)日：2014-05-13
申请号：US13200471
申请日：2011-09-23
IPC分类号： G06Q20/10
CPC分类号： G06Q20/40 , G06Q20/108 , G06Q20/3223
摘要： System, method, and computer program product are provided for a user to send and receive P2P payments using the Internet. Through the use of a network, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. In this way, the user may ensure a secure payment to a third-party through the network associated with a financial institution. The payments may be directed to individuals the user may input into the system by providing the user's alias. A user's alias may be a unique identifier of the user and tied to a financial account of that user. In this way, the sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information.
摘要翻译： 系统，方法和计算机程序产品提供给用户使用互联网发送和接收P2P支付。 通过使用网络，用户可以访问用户在金融机构处的帐户，并使用其他个人或实体别名直接向其他个人或实体付款。 以这种方式，用户可以通过与金融机构相关联的网络确保对第三方的安全支付。 支付可以通过提供用户的别名来指示用户可以输入到系统的个人。 用户的别名可能是用户的唯一标识符，并与该用户的财务帐户相关联。 以这种方式，P2P支付的发送者可以输入接收者的别名并通过P2P支付系统转移资金，而无需输入收件人的账户信息。
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8.发明申请APPARATUS AND METHOD FOR LEVERAGING GEOGRAPHIC LOCATION IN SENDING ELECTRONIC TRANSMISSIONS 审中-公开用于在发送电子传输中利用地理位置的装置和方法公开(公告)号：US20140067512A1
公开(公告)日：2014-03-06
申请号：US13602828
申请日：2012-09-04
申请人： Carrie A. Hanson , Hitesh Bajaj , Laura C. Bondesen , Nicole Chen , Scott R. Enscoe , David M. Grigg , Leo Kopelow , Yameng Li , Brett Newman , Sarah Overcash , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
发明人： Carrie A. Hanson , Hitesh Bajaj , Laura C. Bondesen , Nicole Chen , Scott R. Enscoe , David M. Grigg , Leo Kopelow , Yameng Li , Brett Newman , Sarah Overcash , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
IPC分类号： G06Q30/02
CPC分类号： G06Q30/02
摘要： According to one embodiment, an apparatus may store a user account and a points balance associated with the user account. The apparatus may determine a geographic location of a user associated with the user account and communicate, based at least in part upon the geographic location, an offer for a product. The offer may be associated with an expiration time. The product may be associated with a points price. The points balance may be at least equal to the points price. The apparatus may receive a signal indicating an acceptance of the offer. The signal may be associated with a timestamp and with the user account. The timestamp may indicate a time that is at least as early as the expiration time. The apparatus may communicate a second signal indicating that the user can receive the product.
摘要翻译： 根据一个实施例，设备可以存储与用户帐户相关联的用户帐户和点平衡。 该设备可以确定与用户帐户相关联的用户的地理位置，并至少部分地基于地理位置来传达产品的报价。 优惠可能会与到期时间相关联。 该产品可能与点价格相关联。 积分平衡可能至少等于点价格。 该装置可以接收到表示接受该要约的信号。 信号可能与时间戳和用户帐户相关联。 时间戳可以指示至少早于到期时间的时间。 设备可以传达指示用户可以接收产品的第二信号。
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公开(公告)号：US20120116973A1
公开(公告)日：2012-05-10
申请号：US13200471
申请日：2011-09-23
IPC分类号： G06Q20/40
CPC分类号： G06Q20/40 , G06Q20/108 , G06Q20/3223
摘要： System, method, and computer program product are provided for a user to send and receive P2P payments using the Internet. Through the use of a network, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. In this way, the user may ensure a secure payment to a third-party through the network associated with a financial institution. The payments may be directed to individuals the user may input into the system by providing the user's alias. A user's alias may be a unique identifier of the user and tied to a financial account of that user. In this way, the sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information.
摘要翻译： 系统，方法和计算机程序产品提供给用户使用互联网发送和接收P2P支付。 通过使用网络，用户可以访问用户在金融机构处的帐户，并使用其他个人或实体别名直接向其他个人或实体付款。 以这种方式，用户可以通过与金融机构相关联的网络确保对第三方的安全支付。 支付可以通过提供用户的别名来指示用户可以输入到系统的个人。 用户的别名可能是用户的唯一标识符，并与该用户的财务帐户相关联。 以这种方式，P2P支付的发送者可以输入接收者的别名并通过P2P支付系统转移资金，而无需输入收件人的账户信息。
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10.发明申请Apparatus and Method for the Electronic Transfer of Balances Between Accounts 审中-公开帐户之间的余额电子转帐的设备和方法公开(公告)号：US20140067654A1
公开(公告)日：2014-03-06
申请号：US13603019
申请日：2012-09-04
申请人： Carrie A. Hanson , Hitesh Bajaj , Laura C. Bondesen , Nicole Chen , Scott R. Enscoe , David M. Grigg , Leo Kopelow , Yameng Li , Brett Newman , Sarah Overcash , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
发明人： Carrie A. Hanson , Hitesh Bajaj , Laura C. Bondesen , Nicole Chen , Scott R. Enscoe , David M. Grigg , Leo Kopelow , Yameng Li , Brett Newman , Sarah Overcash , Nicholas Sharp , Marc L. Warshawsky , Alexander C. Wittkowski , Jon R. Wolf
IPC分类号： G06Q20/10
CPC分类号： G06Q20/3223 , G06Q20/108
摘要： According to one embodiment, an apparatus may store a plurality of accounts. The apparatus may present, in a first region of a display, information associated with a first account in the plurality of accounts; in a second region of the display, information associated with a second account in the plurality of accounts; and in a third region of the display, a plurality of transfer amounts. The apparatus may detect a touch on the third region of the display indicating a selection of a transfer amount from the plurality of transfer amounts. The apparatus may communicate, in response to the detection of the touch, a message to initiate the transfer of the selected transfer amount from the first account to the second account.
摘要翻译： 根据一个实施例，设备可以存储多个帐户。 该装置可以在显示器的第一区域中显示与多个帐户中的第一帐户相关联的信息; 在所述显示器的第二区域中，与所述多个帐户中的第二帐户相关联的信息; 并且在显示器的第三区域中具有多个传送量。 设备可以检测显示器的第三区域上的触摸，指示从多个传送量中选择传送量。 该装置可以响应于触摸的检测而通信一个消息，以启动所选择的传送量从第一帐户转移到第二帐户。
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