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公开(公告)号：US08078535B2
公开(公告)日：2011-12-13
申请号：US12686985
申请日：2010-01-13
IPC分类号： G06Q40/00
CPC分类号： G06Q20/1085 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/14 , G06Q20/20 , G06Q20/381 , G06Q30/06 , G06Q30/0601 , G06Q40/02 , G06Q99/00 , G07F19/20 , G07F19/201 , G07F19/203
摘要： One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited.
摘要翻译： 一种方法涉及使用可以用于例如互联网支付的存储值账户，并且可以使用各种支付技术来记账。 这种方法涉及从潜在购买者在汇款位置接收货币。 然后将钱作为电子记录存储在购买者的储值账户中。 这笔款项随后可根据买方要求转让。 根据这样的要求，这些钱可以被电子地发送给接收者，并且存储的价值账户可以被借记。
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公开(公告)号：US20100191647A1
公开(公告)日：2010-07-29
申请号：US12686985
申请日：2010-01-13
CPC分类号： G06Q20/1085 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/14 , G06Q20/20 , G06Q20/381 , G06Q30/06 , G06Q30/0601 , G06Q40/02 , G06Q99/00 , G07F19/20 , G07F19/201 , G07F19/203
摘要： One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited.
摘要翻译： 一种方法涉及使用可以用于例如互联网支付的存储值账户，并且可以使用各种支付技术来记账。 这种方法涉及从潜在购买者在汇款位置接收货币。 然后将钱作为电子记录存储在购买者的储值账户中。 这笔款项随后可根据买方要求转让。 根据这样的要求，这些钱可以被电子地发送给接收者，并且存储的价值账户可以被借记。
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公开(公告)号：US07613655B2
公开(公告)日：2009-11-03
申请号：US11756537
申请日：2007-05-31
IPC分类号： G06Q40/00
CPC分类号： G06Q20/1085 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/14 , G06Q20/20 , G06Q20/381 , G06Q30/06 , G06Q30/0601 , G06Q40/02 , G06Q99/00 , G07F19/20 , G07F19/201 , G07F19/203
摘要： One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited.
摘要翻译： 一种方法涉及使用可以用于例如互联网支付的存储值账户，并且可以使用各种支付技术来记账。 这种方法涉及从潜在购买者在汇款位置接收货币。 然后将钱作为电子记录存储在购买者的储值账户中。 这笔款项随后可根据买方要求转让。 根据这样的要求，这些钱可以被电子地发送给接收者，并且存储的价值账户可以被借记。
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公开(公告)号：US07664703B2
公开(公告)日：2010-02-16
申请号：US10205751
申请日：2002-07-26
IPC分类号： G06Q40/00
CPC分类号： G06Q20/1085 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/105 , G06Q20/14 , G06Q20/20 , G06Q20/381 , G06Q30/06 , G06Q30/0601 , G06Q40/02 , G06Q99/00 , G07F19/20 , G07F19/201 , G07F19/203
摘要： One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited.
摘要翻译： 一种方法涉及使用可以用于例如互联网支付的存储值账户，并且可以使用各种支付技术来记账。 这种方法涉及从潜在购买者在汇款位置接收货币。 然后将钱作为电子记录存储在购买者的储值账户中。 这笔款项随后可根据买方要求转让。 根据这样的要求，这些钱可以被电子地发送给接收者，并且存储的价值账户可以被借记。
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公开(公告)号：US07818251B2
公开(公告)日：2010-10-19
申请号：US10267150
申请日：2002-10-08
IPC分类号： G06F17/60
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/403 , G06Q40/00
摘要： A payment processing method comprises receiving at a host computer system payment information from a client computer, wherein the payment information relates to a payment from a consumer. The method further comprises verifying at least a portion of the payment information and storing at least a portion of the payment information in a database. The method further comprises transmitting a first electronic file comprising at least a portion of the payment information to a financial institution, thereby initiating processing of the payment and transmitting a second electronic file comprises at least a portion of the payment information to a client computing system. The method also comprises responding to a request for historical information by transmitting to a user computer system a third electronic file comprising at least a portion of the payment information.
摘要翻译： 支付处理方法包括在主计算机系统处从客户端计算机接收支付信息，其中所述支付信息涉及来自消费者的支付。 该方法还包括验证支付信息的至少一部分并将支付信息的至少一部分存储在数据库中。 该方法还包括将包括至少一部分支付信息的第一电子文件发送到金融机构，由此启动支付处理，并将第二电子文件发送到客户端计算系统，将第二电子文件包括至少一部分支付信息。 该方法还包括通过向用户计算机系统发送包括至少一部分支付信息的第三电子文件来响应对历史信息的请求。
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6.发明授权公开(公告)号：US07840466B2
公开(公告)日：2010-11-23
申请号：US12364133
申请日：2009-02-02
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/102 , G06Q20/32 , G06Q20/3221 , G06Q40/00
摘要： Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.
摘要翻译： 系统和方法被提供用于通知无线通信设备用户关于帐户支付。 一种方法包括拨打无线通信设备的电话号码，优选地是手机。 然后将包括余额到期的帐户支付相关的通信发送或传送到无线通信设备用户。 可选地，在同一时间或稍后的时间，可以接收到从无线通信设备用户的输入关于应付余额的支付。 这种通知方法可以由主计算机系统执行，该主计算机系统具有何时到期的账号支付记录，并在预定的时间帧内进行拨号和发送。 通常，这样的方法还将包括预先注册或注册无线通信设备用户。
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7.发明申请公开(公告)号：US20090164357A1
公开(公告)日：2009-06-25
申请号：US12364133
申请日：2009-02-02
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/102 , G06Q20/32 , G06Q20/3221 , G06Q40/00
摘要： Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.
摘要翻译： 系统和方法被提供用于通知无线通信设备用户关于帐户支付。 一种方法包括拨打无线通信设备的电话号码，优选地是手机。 然后将包括余额到期的帐户支付相关的通信发送或传送到无线通信设备用户。 可选地，在同一时间或稍后的时间，可以接收到从无线通信设备用户的输入关于应付余额的支付。 这种通知方法可以由主计算机系统执行，该主计算机系统具有何时到期的账号支付记录，并在预定的时间帧内进行拨号和发送。 通常，这样的方法还将包括预先注册或注册无线通信设备用户。
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8.发明申请WIRELESS COMMUNICATION DEVICE ACCOUNT PAYMENT NOTIFICATION SYSTEMS AND METHODS 审中-公开无线通信设备账户支付通知系统和方法公开(公告)号：US20100332383A1
公开(公告)日：2010-12-30
申请号：US12859092
申请日：2010-08-18
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/102 , G06Q20/32 , G06Q20/3221 , G06Q40/00
摘要： Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.
摘要翻译： 系统和方法被提供用于通知无线通信设备用户关于帐户支付。 一种方法包括拨打无线通信设备的电话号码，优选地是手机。 然后将包括余额到期的帐户支付相关的通信发送或传送到无线通信设备用户。 可选地，在同一时间或稍后的时间，可以接收到从无线通信设备用户的输入关于应付余额的支付。 这种通知方法可以由主计算机系统执行，该主计算机系统具有何时到期的账号支付记录，并在预定的时间帧内进行拨号和发送。 通常，这样的方法还将包括预先注册或注册无线通信设备用户。
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