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10 条记录 (耗时 0.042 秒)

    Receiver driven money transfer alert system
    1.
    发明授权
    Receiver driven money transfer alert system 有权
    接收方驱动的汇款提醒系统

    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。

    N TO N MONEY TRANSFERS
    2.
    发明申请
    N TO N MONEY TRANSFERS 审中-公开
    N转N币转账

    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。

    Recurring money transfer
    3.
    发明授权
    Recurring money transfer 有权
    经常性汇款

    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

    IPC分类号： G06Q40/00 ,  G06Q40/02

    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。

    RECURRING MONEY TRANSFER
    4.
    发明申请
    RECURRING MONEY TRANSFER 有权
    收回货币兑换

    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。

    RECEIVER DRIVEN MONEY TRANSFER ALERT SYSTEM
    5.
    发明申请
    RECEIVER DRIVEN MONEY TRANSFER ALERT SYSTEM 有权
    接收器驱动货币转账报警系统

    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

    IPC分类号： G06Q40/00 ,  G06Q30/00

    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。

    SYSTEMS AND METHODS FOR INCREASING COLLECTION AGREEMENT FULFILLMENT AND TRACEABILITY
    6.
    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

    CPC分类号： G06Q40/06 ,  G06Q20/10

    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。

    Universal ledger
    8.
    发明授权
    Universal ledger 有权
    通用分类帐

    公开(公告)号：US08620799B2

    公开(公告)日：2013-12-31

    申请号：US13008393

    申请日：2011-01-18

    申请人： Michele Demark ,  Mike Michelsen ,  Diane Scott ,  Chris Cochran

    发明人： Michele Demark ,  Mike Michelsen ,  Diane Scott ,  Chris Cochran

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/025 ,  G06Q10/06 ,  G06Q20/102 ,  G06Q30/0613 ,  G06Q50/01

    摘要： The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.

    摘要翻译： 本发明提供了跟踪个人之间承担的义务的系统和方法。 该方法可以包括从第一方接收请求，其中请求包括第一方为了第二方的利益而招致的费用。 该方法还可以包括向第二方提供请求的通知，并且接收来自第二方的接受承担与费用相关联的义务。 该方法还可以包括将义务与第二方关联并将利益与第一方相关联。 义务和/或利益可能与费用的价值基本相同。 该方法还可以包括与社交网络服务的接口，以向社交网络服务提供关于义务和/或利益的信息。

    UNIVERSAL LEDGER
    9.
    发明申请
    UNIVERSAL LEDGER 有权
    通用LEDGER

    公开(公告)号：US20120185383A1

    公开(公告)日：2012-07-19

    申请号：US13008393

    申请日：2011-01-18

    申请人： Michele Demark ,  Mike Michelsen ,  Diane Scott ,  Chris Cochran

    发明人： Michele Demark ,  Mike Michelsen ,  Diane Scott ,  Chris Cochran

    IPC分类号： G06Q40/00 ,  G06Q99/00

    CPC分类号： G06Q40/025 ,  G06Q10/06 ,  G06Q20/102 ,  G06Q30/0613 ,  G06Q50/01

    摘要： The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.

    摘要翻译： 本发明提供了跟踪个人之间承担的义务的系统和方法。 该方法可以包括从第一方接收请求，其中请求包括第一方为了第二方的利益而招致的费用。 该方法还可以包括向第二方提供请求的通知，并且接收来自第二方的接受承担与费用相关联的义务。 该方法还可以包括将义务与第二方关联并将利益与第一方相关联。 义务和/或利益可能与费用的价值基本相同。 该方法还可以包括与社交网络服务的接口，以向社交网络服务提供关于义务和/或利益的信息。