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1.发明申请SYSTEMS AND METHODS FOR INCREASING COLLECTION AGREEMENT FULFILLMENT AND TRACEABILITY 审中-公开增加收集协议制度和可追溯性的系统和方法公开(公告)号：US20120005075A1
公开(公告)日：2012-01-05
申请号：US12830025
申请日：2010-07-02
申请人： Kurt Bulawa , Michael Michelsen , Michele Demark , Dave Owen
发明人： Kurt Bulawa , Michael Michelsen , Michele Demark , Dave Owen
IPC分类号： G06Q40/00
摘要： A system for receiving a payment for a financial obligation of a payer via a staged transaction, and for identifying an originator of the staged transaction. A collection system may be configured to, per the originator, associate the obligation with an identifier which may be unique to the obligation and indicative of the originator, to associate the transaction with the identifier, and to provide the identifier to the payer. A provider system may be configured to receive a first record related to the transaction from the collection system, to receive a second record related to the transaction which indicates a payment has been received, and to send a third record related to the transaction to the collection system which indicates a payment has been received. A provider subsystem may be configured to receive the identifier from the payer, and send the second record to the provider system.
摘要翻译： 一种用于通过分期交易接收付款人的财务义务的支付以及用于识别分期交易的发起者的系统。 收集系统可以被配置为根据发起者将义务与义务唯一的指示发起者的标识符相关联，以将交易与标识符相关联，并将标识符提供给付款者。 提供者系统可以被配置为从收集系统接收与交易相关的第一记录，以接收指示已经接收到支付的与交易有关的第二记录，并且将与交易相关的第三记录发送到收集 指示已收到付款的系统。 提供者子系统可以被配置为从付款者接收标识符，并将第二记录发送给提供者系统。
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公开(公告)号：US08660923B2
公开(公告)日：2014-02-25
申请号：US12848709
申请日：2010-08-02
申请人： Kurt Bulawa , Michele Demark , Michael Michelsen , David A. Owen
发明人： Kurt Bulawa , Michele Demark , Michael Michelsen , David A. Owen
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/102 , G06Q40/02 , G06Q40/025
摘要： A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver.
摘要翻译： 一种执行价值提前汇款的系统和方法，包括：接收汇款请求; 确定与资金发送者相关联的账户是否包括足够的资金以支付汇款请求; 从汇款提供商向与发送者相关的账户提供一笔资金以支付汇款请求; 使资金可用于发送方用于汇款; 并执行从账户转移到接收者的控制。
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公开(公告)号：US20120030100A1
公开(公告)日：2012-02-02
申请号：US12848709
申请日：2010-08-02
申请人： Kurt Bulawa , Michele Demark , Michael Michelsen , David A. Owen
发明人： Kurt Bulawa , Michele Demark , Michael Michelsen , David A. Owen
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/102 , G06Q40/02 , G06Q40/025
摘要： A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver.
摘要翻译： 一种执行价值提前汇款的系统和方法，包括：接收汇款请求; 确定与资金发送者相关联的账户是否包括足够的资金以支付汇款请求; 从汇款提供商向与发送者相关的账户提供一笔资金以支付汇款请求; 使资金可用于发送方用于汇款; 并执行从账户转移到接收者的控制。
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公开(公告)号：US20120030098A1
公开(公告)日：2012-02-02
申请号：US12845048
申请日：2010-07-28
申请人： Kurt Bulawa , Michael Michelsen , Michele Demark , David A. Owen
发明人： Kurt Bulawa , Michael Michelsen , Michele Demark , David A. Owen
CPC分类号： G06Q20/38 , G06Q20/102 , G06Q20/40
摘要： A method for performing a money transfer initiated by a receiver of the money transfer, wherein the method includes receiving a money transfer initiation request from the receiver and the money transfer initiation request includes an amount of funds to be transferred, receiver information, and sender information. The method also includes staging a money transfer transaction after receiving the money transfer initiation request, wherein the money transfer transaction is pending an authorization by the sender to fund the money transfer. The method further includes providing the sender with a notification of the money transfer transaction, receiving the authorization to fund the money transfer transaction, and executing the money transfer to transfer the funds from the sender to the receiver.
摘要翻译： 一种用于执行汇款接收方发起的汇款的方法，其中该方法包括从接收方接收汇款发起请求，并且汇款发起请求包括要转移的资金量，接收者信息和发送者信息 。 该方法还包括在接收到汇款发起请求之后进行汇款交易，其中该汇款交易正在等待发送方授权资金转移。 该方法还包括向发送者提供汇款交易的通知，接收资金转移交易的授权，以及执行汇款以将资金从发送方转移到接收方。
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公开(公告)号：US08510188B2
公开(公告)日：2013-08-13
申请号：US12845048
申请日：2010-07-28
申请人： Kurt Bulawa , Michael Michelsen , Michele Demark , David A. Owen
发明人： Kurt Bulawa , Michael Michelsen , Michele Demark , David A. Owen
IPC分类号： G06Q40/00
CPC分类号： G06Q20/38 , G06Q20/102 , G06Q20/40
摘要： A method for performing a money transfer initiated by a receiver of the money transfer, wherein the method includes receiving a money transfer initiation request from the receiver and the money transfer initiation request includes an amount of funds to be transferred, receiver information, and sender information. The method also includes staging a money transfer transaction after receiving the money transfer initiation request, wherein the money transfer transaction is pending an authorization by the sender to fund the money transfer. The method further includes providing the sender with a notification of the money transfer transaction, receiving the authorization to fund the money transfer transaction, and executing the money transfer to transfer the funds from the sender to the receiver.
摘要翻译： 一种用于执行汇款接收方发起的汇款的方法，其中该方法包括从接收方接收汇款发起请求，并且汇款发起请求包括要转移的资金量，接收者信息和发送者信息 。 该方法还包括在接收到汇款发起请求之后进行汇款交易，其中该汇款交易正在等待发送方授权资金转移。 该方法还包括向发送者提供汇款交易的通知，接收资金转移交易的授权，以及执行汇款以将资金从发送方转移到接收方。
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公开(公告)号：US20120023008A1
公开(公告)日：2012-01-26
申请号：US12841333
申请日：2010-07-22
申请人： David A. Owen , Michael Michelsen , Kurt Bulawa , Michele Demark
发明人： David A. Owen , Michael Michelsen , Kurt Bulawa , Michele Demark
IPC分类号： G06Q40/00
CPC分类号： G06Q20/29 , G06Q20/10 , G06Q20/405 , G06Q40/00
摘要： Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
摘要翻译： 描述了各种方法，系统和设备，用于使用汇款系统从一个或多个付款人执行向一个或多个收款人的汇款。 诸如付款人，收款人或第三方的一方可以创建一组收款人规则。 相同或不同的一方也可以创建一组付款人规则。 收款人规则可以包括当满足时允许收款人从资金池接收资金的条件。 付款人规则可以包括当满足时允许付款人向资金池提供资金的条件。 货币转移系统可以确定来自付款人和收款人的请求是否分别符合付款人规则和收款人规则。 根据确定，可以允许付款人和/或收款人完成其要求的交易，否则他们的交易可能被拒绝。
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公开(公告)号：US08799154B2
公开(公告)日：2014-08-05
申请号：US13251531
申请日：2011-10-03
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q10/00 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/203
摘要： Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds transfer in accordance with defined parameters. The method may also include determining a default service fee charged for the funds transfer by a funds-transfer company of a subset of the plurality of different funds-transfer companies. The method may additionally include transmitting to at least one funds-transfer company of the subset of the plurality of different funds-transfer companies details of the funds transfer, where the details of the funds-transfer comprises the default service fee. The method may furthermore include transmitting an identification of the subset of the plurality of different funds-transfer companies, each of which is capable of completing the funds transfer in accordance with the defined parameters, the subset including at least two of the plurality of different funds-transfer companies.
摘要翻译： 提供方法和系统用于执行资金转帐。 该方法可以包括确定多个不同的资金转移公司中的哪一个能够根据定义的参数来完成资金转移。 该方法还可以包括确定由所述多个不同的资金转移公司的子集的资金转移公司收取资金的默认服务费。 该方法可以另外包括向至少一个资金转移公司传送多个不同的资金转移公司的子集的资金转移的细节，其中资金转移的细节包括默认服务费。 该方法还可以包括传送多个不同的资金转移公司的子集的标识，每个子集能够根据所定义的参数来完成资金转移，所述子集包括多个不同资金中的至少两个 转让公司。
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公开(公告)号：US20050209961A1
公开(公告)日：2005-09-22
申请号：US10806484
申请日：2004-03-22
IPC分类号： G06F17/60
摘要： In one embodiment, the invention provides a computerized system and method for transferring money to a bank account, typically when paid in cash or a cash equivalent at a point of sale device. According to one method, transactional information is transmitted to a host computer system from a point of sale device. The transactional information includes information on a bank account that is to receive the money. The transaction information is stored at the host computer system. Also, at least some of the transaction information is sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request is transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit. The bank account may then be credited with the money.
摘要翻译： 在一个实施例中，本发明提供了一种用于将钱转移到银行帐户的计算机化系统和方法，通常在现金或现金等价物在销售点装置处付款时。 根据一种方法，事务信息从销售点传送到主计算机系统。 交易信息包括关于要接收货币的银行帐户的信息。 交易信息存储在主机系统中。 此外，至少一些交易信息被发送到被配置为与不同国家的多个银行网络交互的中间计算机系统。 中介计算机系统还可以确定哪个银行网络与要接收货币的银行帐户相关联。 请求从中介计算机网络传输到本地银行网络，并包括有关接收货币的银行帐户和存入金额的信息。 然后银行账户可以存入资金。
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公开(公告)号：US20050209958A1
公开(公告)日：2005-09-22
申请号：US10803871
申请日：2004-03-17
申请人： Michael Michelsen , Deborah Rex , Tom Sayor
发明人： Michael Michelsen , Deborah Rex , Tom Sayor
CPC分类号： G06Q20/10 , G07F19/20 , G07F19/203
摘要： A system and method for facilitating money transfer from a primary account holder to one or more partner accounts. The primary account holder uses a self-service terminal, which displays information on each of several related partner accounts. The displayed partner account information permits the selection of the partner account into which money is to be transferred.
摘要翻译： 一种便利从主要账户持有人转移到一个或多个合作伙伴帐户的系统和方法。 主帐户持有人使用自助终端，其显示几个相关合作伙伴帐户中的每一个的信息。 显示的合作伙伴帐户信息允许选择要转移资金的合作伙伴帐户。
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公开(公告)号：US08032452B2
公开(公告)日：2011-10-04
申请号：US10289130
申请日：2002-11-06
CPC分类号： G06Q20/10 , G06Q10/00 , G06Q20/102 , G06Q40/00 , G06Q40/02 , G07F19/20 , G07F19/203
摘要： Methods and systems are provided for performing a funds transfer. A request to transfer funds to a recipient is received at a host system, as well as an identification of a selected funds-transfer company chosen from a group of funds-transfer companies and a request to provide the funds to the recipient. Information related to the request is transmitted from the host system to a payout system. The request to transfer funds may include an identification of a retrieval location, with a list of funds-transfer companies that offer funds-transfer services to the retrieval location further being transmitted from the host system to a funds-transfer initiating system.
摘要翻译： 提供方法和系统用于执行资金转帐。 在主机系统收到向接收方转移资金的请求，以及从一组资金转移公司中选择的选定的资金转移公司的身份以及向接收方提供资金的请求。 与请求相关的信息从主机系统发送到支付系统。 转移资金的请求可以包括检索位置的识别，以及提供资金转移服务的转移公司的列表，其进一步从主机系统发送到资金转移发起系统。
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