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    Computer-based funds transfer system
    3.
    发明授权
    Computer-based funds transfer system 有权
    基于计算机的资金转账系统

    公开(公告)号：US07194437B1

    公开(公告)日：2007-03-20

    申请号：US09312309

    申请日：1999-05-14

    申请人： Mark J. Britto ,  Aimee K. Cardwell ,  FuMing Young ,  Nicholas K. Peddy ,  Adrian J. Blakey ,  Angela C. Lee ,  Erich L. Ringewald

    发明人： Mark J. Britto ,  Aimee K. Cardwell ,  FuMing Young ,  Nicholas K. Peddy ,  Adrian J. Blakey ,  Angela C. Lee ,  Erich L. Ringewald

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/00 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/102

    摘要： A service configured to be accessible by two or more parties to a two-sided funds transfer transaction through a computer network (e.g., the Internet) provides functionality for sending a payment request to a target payer or payee who is not yet registered with the service. Depending upon who is initiating the transaction (i.e., a payer or a payee) the payment requests may be received as requests to send payments or requests to collect payments. In the latter case, the service may be further organized to solicit a payment, for example by transmitting an e-mail message to a second party to the funds transfer transaction. When used to collect payments, the service may be further organized to process one or more responses to the above-mentioned solicitations.

    摘要翻译： 通过计算机网络（例如，互联网）配置为可由两个或更多个方面进行双边资金转移交易的服务提供了向未向该服务注册的目标付款人或收款人发送支付请求的功能 。 根据谁正在发起交易（即付款人或收款人），付款请求可以作为发送付款或要求收款的请求而被接收。 在后一种情况下，可以进一步组织服务以征求支付，例如通过向资金转移交易的第二方发送电子邮件消息。 当用于收取付款时，可以进一步组织服务以处理对上述请求的一个或多个答复。

    Computer-assisted funds transfer system
    4.
    发明授权
    Computer-assisted funds transfer system 有权
    计算机辅助资金转账系统

    公开(公告)号：US07685067B1

    公开(公告)日：2010-03-23

    申请号：US09312028

    申请日：1999-05-14

    申请人： Mark J. Britto ,  Aimee K. Cardwell ,  FuMing Young ,  Nicholas K. Peddy ,  Adrian J. Blakey ,  Angela C. Lee ,  Erich L. Ringewald

    发明人： Mark J. Britto ,  Aimee K. Cardwell ,  FuMing Young ,  Nicholas K. Peddy ,  Adrian J. Blakey ,  Angela C. Lee ,  Erich L. Ringewald

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/0601 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/04

    摘要： A payment request associated with a transfer of funds is received and a risk management assessment for both sides thereof is performed. If the risk management assessment procedure produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed for delivery of a payment associated therewith. The risk management assessment may be performed on the basis of credit/authentication information derived from customer information received with (or even prior to) the payment request. Such customer information may include credit card account information and/or bank account information (e.g., checking account) information. In some cases, the risk management assessment may include an automated component and a manual (non-automated) component. Such a manual component may be needed where the automated component of the risk management assessment provides suspect information regarding one of the parties to the transaction. Where the payment request is processed for delivery of the payment, such processing may include submitting a payment authorization request, and, upon receiving a settlement indication regarding that payment authorization request, transmitting the payment. In some cases, the payment may be transmitted as a check, while in others it may be transmitted as a money order or instruction to have funds automatically deposited in an account.

    摘要翻译： 收到与资金转移相关的支付请求，并对其两侧执行风险管理评估。 如果风险管理评估程序产生不利指示，则付款请求被拒绝。 否则，可以处理支付请求以递送与之相关联的支付。 可以基于从（或甚至在付款请求之前）接收的客户信息得到的信用/认证信息来执行风险管理评估。 这样的客户信息可以包括信用卡帐户信息和/或银行帐户信息（例如，检查帐户）信息。 在某些情况下，风险管理评估可能包括自动化组件和手动（非自动化）组件。 在风险管理评估的自动化部分提供关于交易的一方的可疑信息的情况下，可能需要这样的手动部件。 在处理支付请求以交付付款的情况下，这种处理可以包括提交付款授权请求，并且在收到关于该支付授权请求的结算指示时，发送支付。 在某些情况下，支付可以作为支票发送，而在其他情况下，支付可以作为汇款单或指令发送，以将资金自动存入账户。

    Extraction of bank routing number from information entered by a user
    6.
    发明授权
    Extraction of bank routing number from information entered by a user 有权
    从用户输入的信息中提取银行路由号码

    公开(公告)号：US07546261B2

    公开(公告)日：2009-06-09

    申请号：US10884360

    申请日：2004-07-02

    申请人： Matthew T. Bogosian ,  Nicholas K. Peddy ,  FuMing Young

    发明人： Matthew T. Bogosian ,  Nicholas K. Peddy ,  FuMing Young

    IPC分类号： G06Q40/00

    CPC分类号： G07F7/00 ,  G06K9/186 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02

    摘要： The present invention provides various features for extracting a user's bank account information for use in facilitating the electronic transfer of funds to or from the user's bank account. One feature of the invention involves a method and system for extracting a bank routing number from character strings provided by a user from the face of a bank check. The method involves receiving from the user a magnetic ink character recognition (MICR) line. A contiguous string of characters within the MICR line that satisfies a checksum test is stored as the bank routing number for the user. A check number and an account number may also be received from the user. A test is performed to verify that the check number, the account number, and the bank routing number all coexist within the MICR line. Another feature of the invention involves a method and system for facilitating the transfer of funds between a buyer and a seller. A bank routing number is determined for the seller as noted above. A credit card account associated with the buyer is then charged to collect funds for purchasing one or more items from the seller, and at least a portion of the collected funds is deposited into the bank account of the seller using the extracted bank routing number.

    摘要翻译： 本发明提供了用于提取用户的银行帐户信息以用于促进向用户银行帐户或从用户银行帐户的电子转帐的各种功能。 本发明的一个特征涉及一种用于从银行支票的面部从用户提供的字符串中提取银行路由号码的方法和系统。 该方法包括从用户接收磁墨水字符识别（MICR）线。 满足校验和测试的MICR线内连续字符串被存储为用户的银行路由号码。 也可以从用户接收到支票号码和帐号。 执行测试以验证检查号码，帐号和银行路由号码是否全部在MICR行内共存。 本发明的另一个特征涉及一种便于在买方和卖方之间转移资金的方法和系统。 如上所述，为卖方确定银行路线号码。 然后，与买方相关联的信用卡帐户被收取以从卖方购买一个或多个物品的资金，并且使用提取的银行路线号将至少一部分所收集的资金存入卖方的银行账户。

    Extraction of bank routing number from information entered by a user
    7.
    发明授权
    Extraction of bank routing number from information entered by a user 有权
    从用户输入的信息中提取银行路由号码

    公开(公告)号：US06760470B1

    公开(公告)日：2004-07-06

    申请号：US09517563

    申请日：2000-03-02

    申请人： Matthew T. Bogosian ,  Nicholas K. Peddy ,  FuMing Young

    发明人： Matthew T. Bogosian ,  Nicholas K. Peddy ,  FuMing Young

    IPC分类号： G06K900

    CPC分类号： G07F7/00 ,  G06K9/186 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/40 ,  G06Q40/00 ,  G06Q40/02

    摘要： A computer-implemented method is disclosed for extracting a user's bank account information from information entered by the user from the face of a check. The extracted information may be used to electronically transfer funds to or from the user's bank account. The method may be embodied within a web site system, a telephone-based voice prompting system, or another type of interactive computer system of a business entity, and provides an alternative to requiring the user to mail a voided check. The method involves receiving from the user a magnetic ink character recognition (MICR) line, and identifying a contiguous string of characters within the MICR line that satisfies a checksum test. The resulting string is stored as the bank routing number for the user. A check number and an account number may also be received from the user, in which case a test is performed to verify that the check number, the account number, and the bank routing number all coexist within the MICR line. In a preferred embodiment, the method is used to facilitate the transfer of funds between buyers and sellers in an electronic commerce system that provides a marketplace for users to buy and sell goods, such as an online auctions system or a “flea market” system. In this embodiment, when a buyer purchases one or more items from a seller, the buyer's credit card account is charged to collect funds for the purchase, and at least a portion of the collected funds is deposited into the bank account of the seller using the extracted bank routing number.

    摘要翻译： 公开了一种计算机实现的方法，用于从用户面对检查输入的信息中提取用户的银行帐户信息。 所提取的信息可以用于向用户的银行帐户电子转帐资金。 该方法可以体现在网站系统，基于电话的语音提示系统或商业实体的另一类型的交互式计算机系统中，并且提供了要求用户发送无效检查的替代方案。 该方法包括从用户接收磁墨水字符识别（MICR）行，以及识别满足校验和测试的MICR行内的连续字符串。 结果字符串存储为用户的银行路由号码。 还可以从用户接收到支票号码和帐号，在这种情况下，执行测试以验证支票号码，帐号和银行路由号码是否全部在MICR行内共存。 在一个优选实施例中，该方法用于促进电子商务系统中的买方和卖方之间的资金转移，该电子商务系统为用户购买和出售诸如在线拍卖系统或“跳蚤市场”系统的商品提供了市场。 在本实施例中，当买方从卖方购买一个或多个物品时，买方的信用卡帐户被收取以收取购买资金，并且所收集的资金的至少一部分被存入卖方的银行账户中 提取银行路由号码。

    Computer services and methods for collecting payments from and providing content to web users
    8.
    发明授权
    Computer services and methods for collecting payments from and providing content to web users 有权
    用于从网络用户收集和提供内容的计算机服务和方法

    公开(公告)号：US07542943B2

    公开(公告)日：2009-06-02

    申请号：US09928977

    申请日：2001-08-13

    申请人： Alan Caplan ,  Jonathan Leblang ,  Shaun Schooley ,  FuMing Young ,  Joel R. Spiegel ,  Jeffrey P. Bezos

    发明人： Alan Caplan ,  Jonathan Leblang ,  Shaun Schooley ,  FuMing Young ,  Joel R. Spiegel ,  Jeffrey P. Bezos

    IPC分类号： G06Q40/00

    CPC分类号： G07F17/0014 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/123 ,  G06Q40/00 ,  G06Q40/025

    摘要： A network-based payment service provides functionality for site operators to add payment links or objects to their sites. When a user selects such a link or object, the payment service may charge a fee to an account of the user, and may redirect a browser of the user to content associated with the link. In some use cases, the payment service may also cause all or a portion of the fee to be divided between multiple entities or site operators; for example, a portion may be paid to an entity responsible for hosting or publishing the payment link or object, and another portion may be paid to an entity that hosts or provides the associated content.

    摘要翻译： 基于网络的支付服务为站点运营商提供了向其站点添加支付链接或对象的功能。 当用户选择这样的链接或对象时，支付服务可以向用户的帐户收取费用，并且可以将用户的浏览器重定向到与链接相关联的内容。 在一些使用情况下，支付服务还可能导致所有或部分费用在多个实体或站点运营商之间划分; 例如，可以向负责托管或发布支付链接或对象的实体支付一部分，并且另一部分可以被支付给托管或提供相关内容的实体。