公开(公告)号：US20070106612A1

公开(公告)日：2007-05-10

申请号：US11592510

申请日：2006-11-03

申请人： Richard O'Brien ,  Andrew Gallant ,  John Condon ,  Jordan Firfer ,  Lawrence Buettner

发明人： Richard O'Brien ,  Andrew Gallant ,  John Condon ,  Jordan Firfer ,  Lawrence Buettner

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q20/02 ,  G06Q20/023 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/40

摘要： The Greenlist tool provides payors desiring to pay a merchant a means to locate, validate and effect the transfer of assets to another party by routing transaction requests to a third party that functions as the transaction enabler. This task is performed without divulging confidential information about transactors while assigning liability for certain risk consequences to the lowest cost risk bearers: banks. Greenlist verifies identities before making financial transactions or before obtaining access to restricted information. The Greenlist can be completely trusted by risk-bearers. Liability for risk can be transferred to the registrars of the information contained within the registry. This liability transfer substantially reduces the payor's cost of bearing risks. Banks or third parties responsible for certifying that someone or some entity claiming to be an authorized party is not an impostor can now offer new levels of service at a substantially lower cost for a variety of transactions.

摘要翻译： “绿名单”工具为付款人提供付款方式，希望通过将交易请求转交给充当交易启动器的第三方，向商家支付定位，验证和影响资产转移的手段。 这项任务是在不泄露关于交易者的机密信息的情况下执行的，同时将某些风险后果的责任分配给最低成本风险承担者：银行。 在进行金融交易之前或获得限制性信息之前，绿名单会核实身份。 绿色名单可以被风险承担者完全信任。 风险责任可以转移到注册管理机构所含信息的注册服务商。 该负债转移大大降低了承担风险的承担人的成本。 负责证明某人或某些声称是授权方的实体不是冒名顶替者的银行或第三方现在可以为各种交易以大大降低的成本提供新的服务水平。