公开(公告)号：US20050125321A1

公开(公告)日：2005-06-09

申请号：US10707327

申请日：2003-12-05

申请人： Penny Gerstner ,  Carrie Heise ,  Marilyn Kane ,  Stephen Kaufmann ,  Christopher Keller ,  Kelly Kruse ,  Gerard Poll ,  Catherine Pullen ,  Faith Tucker ,  Richard Tucker ,  Vickie Van Meir ,  Deborah Winick

发明人： Penny Gerstner ,  Carrie Heise ,  Marilyn Kane ,  Stephen Kaufmann ,  Christopher Keller ,  Kelly Kruse ,  Gerard Poll ,  Catherine Pullen ,  Faith Tucker ,  Richard Tucker ,  Vickie Van Meir ,  Deborah Winick

IPC分类号： G06Q20/00 ,  G06Q30/00 ,  G06F17/60

CPC分类号： G06Q40/00 ,  G06Q20/04 ,  G06Q20/108 ,  G06Q20/14 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q30/04 ,  G06Q40/02

摘要： System and method for authorizing third-party transactions for an account at a financial institution on behalf of the account holder. A financial institution can collect process, transmit and confirm authorizations to third parties for electronic payments and direct deposits on behalf of its account-holder customer. In at least some embodiments, a method of processing account-holder requests to authorize third-party transactions for an account includes the establishment of a pre-existing list of prospective third-party participants such as employers and billers. The financial institution receives account-holder requests to authorize third-party transactions. Specific requests from among the account-holder requests are matched to third-party participants and forwarded and can be confirmed. The system of the invention can include various engines and data repositories that work together to provide the means for implementing embodiments of the invention.

摘要翻译： 代表账户持有人在金融机构授权帐户的第三方交易的系统和方法。 金融机构可以代表其账户持有人向第三方收集流程，传输和确认电子支付和直接存款的授权。 在至少一些实施例中，处理帐户持有者请求以授权帐户的第三方交易的方法包括建立预先存在的第三方参与者列表，例如雇主和帐户。 金融机构收到授权第三方交易的账户持有者请求。 账户持有者请求中的具体请求与第三方参与者相匹配，转发并可以确认。 本发明的系统可以包括各种引擎和数据存储库，它们一起工作以提供用于实现本发明实施例的手段。