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1.发明申请Methods and Systems for Determining and Displaying Payment Options in an Electronic Payment System 审中-公开确定和显示电子支付系统中付款选项的方法和系统公开(公告)号：US20080133407A1
公开(公告)日：2008-06-05
申请号：US11743390
申请日：2007-05-02
申请人： Lawrence Otice Guillory , Mary Catherine Herbeck , Donald Kenneth Hobday , Geiger Ferrell Lee , William E. Rasche , Todd Nathaniel Roberts , Richard A. Stratton , Cheryl L. Ward
发明人： Lawrence Otice Guillory , Mary Catherine Herbeck , Donald Kenneth Hobday , Geiger Ferrell Lee , William E. Rasche , Todd Nathaniel Roberts , Richard A. Stratton , Cheryl L. Ward
IPC分类号： G06Q30/00
CPC分类号： G06Q30/04 , G06Q20/102
摘要： A system and method for determining and displaying payment options in an electronic payment system is disclosed. A payee for a payor is identified. Prior to receiving a payment request to submit a payment to the payee on behalf of the payor, at least one funding method is identified from a list of potential funding methods. The at least one funding method is a funding method that is available to the payor for the payment to the payee, and the identification of the at least one funding method is based at least in part on at least one risk-based criteria. An interface screen is then generated for displaying at least one option to pay the payee, wherein the at least one option is associated with the at least one funding method.
摘要翻译： 公开了一种用于在电子支付系统中确定和显示支付选项的系统和方法。 识别付款人的收款人。 在收到付款请求以代表付款人向收款人提交付款之前，从潜在的融资方法列表中确定至少一种融资方式。 所述至少一种供资方法是向付款人可用于向收款人付款的资金方法，并且所述至少一种供资方法的识别至少部分地基于至少一种基于风险的标准。 然后生成界面屏幕以显示至少一个选项来支付收款人，其中至少一个选项与至少一个供资方法相关联。
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2.发明申请公开(公告)号：US20110313917A1
公开(公告)日：2011-12-22
申请号：US12818961
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q40/00 , G06K9/325 , G06K2209/01 , G06Q20/102 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q30/0207
摘要： Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment coupon from a payer and determining an identity of a biller associated with the payment coupon from the image. It may then be determined that no payment coupon metadata for obtaining one or more fields from the payment coupon is stored in association with the biller. The method may then include requesting a respective set of one or more field indicators representing at least an approximate size or an approximate location for one or more fields within the image. Upon receipt, the field indicators for the fields within the image are stored as the payment coupon metadata in association with the biller.
摘要翻译： 本发明的实施例可以提供用于捕获和处理支付券信息的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，并从图像中确定与付款优惠券相关联的帐单者的身份。 然后可以确定没有与付款者相关联地存储用于从支付券获得一个或多个字段的支付优惠券元数据。 该方法然后可以包括请求表示图像内的一个或多个字段的至少近似大小或近似位置的一个或多个字段指示符的相应集合。 一旦接收到，图像中的字段的字段指示符被存储为与发件人关联的支付优惠券元数据。
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公开(公告)号：US08635155B2
公开(公告)日：2014-01-21
申请号：US12818964
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q20/14 , G06F17/30011 , G06K9/18 , G06K9/325 , G06Q20/102 , G06Q20/22 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q20/387 , G06Q30/0207 , G06Q40/00
摘要： Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon.
摘要翻译： 本发明的实施例可以提供用于处理支付券图像的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，至少部分地基于由图像显示的信息，至少基于图像提取数据来确定与支付优惠券相关联的帐单者的身份 部分地是与指示付款券的布局的帐单相关联的支付券元数据。 该方法可以进一步包括执行以下至少之一：（a）至少部分地基于从图像中提取的数据来处理与支付券相关联的支付给发件人; （b）将付款人添加到与付款优惠券相关的付款人的帐单列表中; 或（c）激活账单作为与支付券相关联的付款人的电子账单。
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4.发明授权公开(公告)号：US08543501B2
公开(公告)日：2013-09-24
申请号：US12818961
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q40/00 , G06K9/325 , G06K2209/01 , G06Q20/102 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q30/0207
摘要： Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment coupon from a payer and determining an identity of a biller associated with the payment coupon from the image. It may then be determined that no payment coupon metadata for obtaining one or more fields from the payment coupon is stored in association with the biller. The method may then include requesting a respective set of one or more field indicators representing at least an approximate size or an approximate location for one or more fields within the image. Upon receipt, the field indicators for the fields within the image are stored as the payment coupon metadata in association with the biller.
摘要翻译： 本发明的实施例可以提供用于捕获和处理支付券信息的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，并从图像中确定与付款优惠券相关联的帐单者的身份。 然后可以确定没有与付款者相关联地存储用于从支付券获得一个或多个字段的支付优惠券元数据。 该方法然后可以包括请求表示图像内的一个或多个字段的至少近似大小或近似位置的一个或多个字段指示符的相应集合。 一旦接收到，图像中的字段的字段指示符被存储为与发件人关联的支付优惠券元数据。
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公开(公告)号：US20110313918A1
公开(公告)日：2011-12-22
申请号：US12818964
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q20/14 , G06F17/30011 , G06K9/18 , G06K9/325 , G06Q20/102 , G06Q20/22 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q20/387 , G06Q30/0207 , G06Q40/00
摘要： Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon.
摘要翻译： 本发明的实施例可以提供用于处理支付券图像的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，至少部分地基于由图像显示的信息，至少基于图像提取数据来确定与支付优惠券相关联的帐单者的身份 部分地是与指示付款券的布局的帐单相关联的支付券元数据。 该方法可以进一步包括执行以下至少之一：（a）至少部分地基于从图像中提取的数据来处理与支付券相关联的支付给帐单者; （b）将付款人添加到与付款优惠券相关的付款人的帐单列表中; 或（c）激活账单作为与支付券相关联的付款人的电子账单。
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6.发明授权System and method to provide interoperable service across multiple clients 有权在多个客户端之间提供可互操作的服务的系统和方法公开(公告)号：US07809639B2
公开(公告)日：2010-10-05
申请号：US10109037
申请日：2002-03-29
CPC分类号： G06Q30/06 , G06Q20/102 , G06Q40/00
摘要： Methods and systems for servicing requests made from any of multiple user interfaces associated with a user are provided. A request from one of the plurality of user interfaces is received. Information associated with each of the plurality of user interfaces is retrieved, and based upon the retrieved information and the received request, a set of features to be included in a user presentation is selected. The user presentation is then generated based on the selected set of features, and transmitted to the user interface from which the request was received.
摘要翻译： 提供了用于处理与用户相关联的多个用户界面中的任一个所请求的请求的方法和系统。 接收来自多个用户界面之一的请求。 检索与多个用户界面中的每一个相关联的信息，并且基于检索到的信息和接收到的请求，选择要包括在用户呈现中的一组特征。 然后基于所选择的特征集合生成用户呈现，并且将其发送到从其接收请求的用户界面。
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7.发明申请User Association of a Computing Application with a Contact in a Contact List 有权联系人列表中的联系人的计算应用程序的用户协会公开(公告)号：US20080263069A1
公开(公告)日：2008-10-23
申请号：US12164856
申请日：2008-06-30
摘要： Methods and systems may be provided for user association of a computing application with a contact in a contact list. A view of one or more contacts of the user may be transmitted to a user, the view included a first contact. A request may be received from the user to associate an application with the first contact. A revised view may be transmitted to the user responsive to the received request, the revised view including a user-selectable mechanism for invoking the application on the first contact. The user may be redirected to a user interface of the application subsequent to the user selecting the user-selectable mechanism associated with the contact in the revised view, and the redirection may include transmission of information associated with the user and information associated with the first contact.
摘要翻译： 可以提供方法和系统用于计算应用与联系人列表中的联系人的用户关联。 可以向用户发送用户的一个或多个联系人的视图，该视图包括第一联系人。 可以从用户接收到将应用与第一联系人相关联的请求。 经修改的视图可以响应于接收到的请求而发送给用户，修改后的视图包括用于在第一联系人上调用应用的用户可选机构。 用户可以在用户选择与修订视图中的联系人相关联的用户可选机构之后重定向到应用的用户界面，并且重定向可以包括与用户相关联的信息的传输和与第一联系人相关联的信息 。
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8.发明申请公开(公告)号：US20080133405A1
公开(公告)日：2008-06-05
申请号：US11565322
申请日：2006-11-30
CPC分类号： G06Q30/04 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q40/00 , G06Q40/12
摘要： A system and method for determining and displaying a payment lead time or expected payment delivery time in an electronic payment system is disclosed. A payee associated with a payor is identified. Prior to receiving a payment request to pay the payee on behalf of the payor, an expected payment delivery time for a payment to fulfill the payment request is determined. The expected payment delivery time is based on at least one payment attribute associated with the payee and at least one payment attribute associated with the payor. An interface screen is then generated for displaying the determined expected payment delivery time.
摘要翻译： 公开了一种用于在电子支付系统中确定和显示支付交付时间或预期支付交付时间的系统和方法。 识别与付款人相关的收款人。 在收到支付请求以代表付款人付款的收款人之前，确定付款完成付款请求的预期付款交货时间。 期望的支付交付时间基于与收款人相关联的至少一个支付属性以及与付款人相关联的至少一个支付属性。 然后生成界面屏幕以显示所确定的预期付款传送时间。
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