公开(公告)号：US07818251B2

公开(公告)日：2010-10-19

申请号：US10267150

申请日：2002-10-08

申请人： Patricia A. Frazier ,  David T. Shapiro

发明人： Patricia A. Frazier ,  David T. Shapiro

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。

公开(公告)号：US08630946B2

公开(公告)日：2014-01-14

申请号：US10295769

申请日：2002-11-14

申请人： Gary F. Moore ,  David T. Shapiro ,  Robert W. Newton

发明人： Gary F. Moore ,  David T. Shapiro ,  Robert W. Newton

IPC分类号： G06Q20/00

CPC分类号： G06Q20/10 ,  G06Q20/382 ,  G06Q20/4014 ,  G06Q40/02

摘要： Systems and methods for implementing one or a series of value transfers. In some instances, the systems and methods include web or Internet based user interfaces that provide a mechanism whereby a user can implement a transfer plan without interacting with a human operator. Further, in some instances, such systems and methods provide a mechanism for authorizing access to one or more asset accounts from which value is transferred, and/or recipient accounts to which value is transferred. In some cases, the authorization function is performed by an entity that enjoys a pre-existing relationship with a user accessing the systems of the present invention, while any actual transfers are performed by a third party entity. This can be an advantage where authorization requires a signature or other interaction with a user sufficient to conform to electronic signature laws.

摘要翻译： 实现一个或一系列价值转移的系统和方法。 在一些情况下，系统和方法包括基于web或因特网的用户界面，其提供一种机制，由此用户可以在不与人类操作者交互的情况下实现传送计划。 此外，在某些情况下，这样的系统和方法提供了授权访问一个或多个资产账户（从中转移价值）的机制，和/或转移到该值的收件人帐户。 在一些情况下，授权功能由与访问本发明的系统的用户具有预先存在的关系的实体执行，而任何实际的转移由第三方实体执行。 这可以是一个优点，即授权需要与足以符合电子签名法律的用户的签名或其他交互。