公开(公告)号：US07427017B2

公开(公告)日：2008-09-23

申请号：US11445460

申请日：2006-06-02

申请人： Richard James Morrison ,  Brett Lawrence Hacker ,  Alan Keith Gardner ,  Teresa Simmons Wheeler ,  Gennifer-Rebekka Jackson ,  Beryl Eugene Jones

发明人： Richard James Morrison ,  Brett Lawrence Hacker ,  Alan Keith Gardner ,  Teresa Simmons Wheeler ,  Gennifer-Rebekka Jackson ,  Beryl Eugene Jones

IPC分类号： G06K40/00 ,  G07D11/00 ,  G07F19/00

CPC分类号： G06Q40/02 ,  G06Q20/40 ,  G06Q40/00

摘要： A computer-implemented method for collecting bank account information from an individual and authenticating the individual prior to allowing the bank account to receive an electronic fund transfer comprises providing a website; allowing the individual on the website to enter bank account information to which funds will be transferred; delivering application forms with a unique bar-coded identifier over the internet to the individual; electronically receiving and storing the application forms after being completed by the individual and linking the bar coded identifier with the individual's bank account information; visually comparing by at least first and second customer support representatives information provided on the forms with information provided on the website to verify the identity of the individual; and validating payment to the individual if the individual's identity is verified.

摘要翻译： 一种用于从个人收集银行账户信息并在允许银行帐户接收电子资金转移之前认证该个人的计算机实现的方法包括提供网站; 允许网站上的个人输入资金将被转移的银行帐户信息; 通过互联网向个人提供具有唯一条形码标识符的申请表; 在个人完成后电子地接收和存储申请表，并将条形码标识符与个人的银行帐户信息相链接; 通过至少第一和第二客户支持代表在表单上提供的信息与在网站上提供的信息进行目视比较，以验证个人的身份; 并且如果个人的身份被验证，则验证对个人的付款。