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。

公开(公告)号：US07526448B2

公开(公告)日：2009-04-28

申请号：US10285706

申请日：2002-11-01

申请人： William D. Zielke ,  John J Frech ,  Teri W. Bemis ,  Randal A. McCoy ,  Peter Moenickheim ,  John Alfred Brothers, II ,  Cheryl L. Ward ,  Richard A. Stratton ,  Casey W. Kozee ,  William R. McMichael, Jr.

发明人： William D. Zielke ,  John J Frech ,  Teri W. Bemis ,  Randal A. McCoy ,  Peter Moenickheim ,  John Alfred Brothers, II ,  Cheryl L. Ward ,  Richard A. Stratton ,  Casey W. Kozee ,  William R. McMichael, Jr.

IPC分类号： G06Q40/00

CPC分类号： G06Q30/04 ,  G06Q20/102 ,  G07F7/00

摘要： A technique for identifying electronic billers of a consumer whose bills are available by electronic presentment is provided. A request to identify electronic billers of the consumer is received. This request includes information that identifies the consumer, but excludes any information identifying any biller, electronic or not, of the consumer. From this information that does not identify any biller of the consumer, one more candidate electronic billers of the consumer are identified. Then, a positive determination is made that at least one of these candidate electronic billers is definitely an electronic biller of the consumer. Thus, electronic billers of the consumer are identified without the consumer identifying any biller.

摘要翻译： 提供一种用于识别通过电子呈现可获得票据的消费者的电子账单的技术。 接收到识别消费者的电子帐户的请求。 该请求包括识别消费者的信息，但不包括识别消费者的电子或非电子邮件的任何信息的信息。 从不识别消费者的任何消费者的信息，识别出一个以上的消费者的候选电子广告者。 然后，肯定地确定这些候选电子报纸器中的至少一个绝对是消费者的电子报价器。 因此，消费者的电子帐户被识别，而消费者没有识别任何账单。