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1.发明授权Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account 有权基于发放到财务账户的已清除项目建立收款人的制度，方法和设备公开(公告)号：US08290835B2
公开(公告)日：2012-10-16
申请号：US12473851
申请日：2009-05-28
摘要： Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account are provided. Information associated with a cleared item posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, a payee associated with the cleared item may be identified. A form may be generated for activating, at a service provider, at least one of online payment functionality for payments made to the payee by the service provider on behalf of the consumer or electronic bill presentment of billing information of the payee to the consumer through the service provider. The form may be transmitted to a network entity for presentation to the consumer.
摘要翻译： 提供了基于发放到财务账户上的已清除项目来建立收款人的系统，方法和设备。 可以获得与发布到消费者的财务帐户的已清除项目相关联的信息。 至少部分地基于获得的信息，可以识别与被清除的项目相关联的收款人。 可以生成表单，用于在服务提供商处激活由服务提供商代表消费者向收款人支付的付款的至少一个功能，或者通过以下方式向消费者呈现收款人的收款人的计费信息 服务提供者。 该形式可以被发送到网络实体以呈现给消费者。
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2.发明申请SYSTEMS, METHODS, AND APPARATUS FOR IDENTIFYING PAYEES FROM CLEARED ITEMS POSTED TO A FINANCIAL ACCOUNT 审中-公开系统，方法和装置，用于识别发生在财务帐户上的清算项目的付款公开(公告)号：US20100306094A1
公开(公告)日：2010-12-02
申请号：US12473837
申请日：2009-05-28
摘要： Systems, methods, and apparatus for identifying payees from cleared items posted to a financial account are provided. Information associated with one or more cleared items posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, at least one payee may be identified. A suggestion to add the identified at least one payee as one of an electronic biller of the consumer or a payee of the consumer for online payment functionality may be generated, wherein receiving an acceptance of the suggestion facilitates activation of an associated service for the consumer by a service provider. The generated suggestion may be transmitted to a network entity for presentation to the consumer.
摘要翻译： 提供了系统，方法和设备，用于识别已发布到财务帐户的已清除项目的收款人。 可以获得与发布到消费者的财务帐户的一个或多个已清除项目相关联的信息。 至少部分地基于获得的信息，可以识别至少一个收款人。 可以生成将所识别的至少一个收款人添加为消费者的电子账单者或者用于在线支付功能的消费者的收款人之一的建议，其中接收该建议的接受有助于通过以下方式激活消费者的相关服务： 服务提供商 生成的建议可以被发送到网络实体以呈现给消费者。
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3.发明申请SYSTEMS, METHODS, AND APPARATUS FOR ESTABLISHING PAYEES BASED ON CLEARED ITEMS POSTED TO A FINANCIAL ACCOUNT 有权系统，方法和设备，用于建立基于清算资金的金融账户公开(公告)号：US20100306091A1
公开(公告)日：2010-12-02
申请号：US12473851
申请日：2009-05-28
IPC分类号： G06Q30/00 , G06Q10/00 , G06F17/30 , G06F15/16 , G06F17/00 , G06F3/048 , G06Q40/00 , G06K9/00
摘要： Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account are provided. Information associated with a cleared item posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, a payee associated with the cleared item may be identified. A form may be generated for activating, at a service provider, at least one of online payment functionality for payments made to the payee by the service provider on behalf of the consumer or electronic bill presentment of billing information of the payee to the consumer through the service provider. The form may be transmitted to a network entity for presentation to the consumer.
摘要翻译： 提供了基于发放到财务账户上的已清除项目来建立收款人的系统，方法和设备。 可以获得与发布到消费者的财务帐户的已清除项目相关联的信息。 至少部分地基于获得的信息，可以识别与被清除的项目相关联的收款人。 可以生成表单，用于在服务提供商处激活由服务提供商代表消费者向收款人支付的付款的至少一个功能，或者通过以下方式向消费者呈现收款人的收款人的计费信息 服务提供者。 该形式可以被发送到网络实体以呈现给消费者。
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公开(公告)号：US08756705B2
公开(公告)日：2014-06-17
申请号：US12827576
申请日：2010-06-30
摘要： Systems and methods for personalized security management of online applications are provided. A determination may be made that a condition for constructing an increased authentication proposal for access to an online financial service is satisfied. The increased authentication proposal may be associated with (i) a user of the online financial service and (ii) a user request option associated with the online financial service. Based upon the determination that the condition is satisfied, the increased authentication proposal may be generated and transmitted for presentation to the user. An increased authentication proposal response may then be received, and the increased authentication proposal response may be processed in order to store, in association with the user and the user request option, (i) an indication of an increased authentication condition and (ii) an indication of an increased authentication mechanism.
摘要翻译： 提供了在线应用程序的个性化安全管理系统和方法。 可以确定满足用于访问在线金融服务的增加的认证建议的条件。 增加的认证提案可以与（i）在线金融服务的用户相关联，以及（ii）与在线金融服务相关联的用户请求选项。 基于满足条件的判定，可以生成并发送增加的认证方案以呈现给用户。 然后可以接收到增加的认证建议响应，并且可以处理增加的认证建议响应以便与用户和用户请求选项相关联地存储（i）增加的认证条件的指示，以及（ii） 增加认证机制的指示。
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公开(公告)号：US20110004921A1
公开(公告)日：2011-01-06
申请号：US12827576
申请日：2010-06-30
摘要： Systems and methods for personalized security management of online applications are provided. A determination may be made that a condition for constructing an increased authentication proposal for access to an online financial service is satisfied. The increased authentication proposal may be associated with (i) a user of the online financial service and (ii) a user request option associated with the online financial service. Based upon the determination that the condition is satisfied, the increased authentication proposal may be generated and transmitted for presentation to the user. An increased authentication proposal response may then be received, and the increased authentication proposal response may be processed in order to store, in association with the user and the user request option, (i) an indication of an increased authentication condition and (ii) an indication of an increased authentication mechanism.
摘要翻译： 提供了在线应用程序的个性化安全管理系统和方法。 可以确定满足用于访问在线金融服务的增加的认证建议的条件。 增加的认证提案可以与（i）在线金融服务的用户相关联，以及（ii）与在线金融服务相关联的用户请求选项。 基于满足条件的判定，可以生成并发送增加的认证方案以呈现给用户。 然后可以接收到增加的认证建议响应，并且可以处理增加的认证建议响应以便与用户和用户请求选项相关联地存储（i）增加的认证条件的指示，以及（ii） 增加认证机制的指示。
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公开(公告)号：US07660766B1
公开(公告)日：2010-02-09
申请号：US10608415
申请日：2003-06-30
申请人： Mary Elizabeth Lawson , Cheryl L. Ward , Hans Dreyer , Donald Kenneth Hobday, Jr. , Peter Moenickheim
发明人： Mary Elizabeth Lawson , Cheryl L. Ward , Hans Dreyer , Donald Kenneth Hobday, Jr. , Peter Moenickheim
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/102 , G06Q30/04
摘要： A technique for making a payment to a payee on behalf of a payor is provided. A payment service provider receives a payment request from a payor requesting the service provider to make a payment to a payee on behalf of the payor. The service provider then transmits pre-posting information to the payee prior to making the payment. The pre-posting information informs the payee that the service provider will be making a payment to the payee on behalf of the payor. Whenever the service provider makes the payment to the payee, the service provider also issues remittance advice associated with the payment to the payee.
摘要翻译： 提供了代表付款人向收款人付款的技术。 支付服务提供商从付款人处收到付款请求，要求服务提供商代表付款人向收款人付款。 然后，服务提供商在付款之前将预先发布的信息发送给收款人。 预发布信息通知收款人服务提供商将代表付款人向收款人付款。 每当服务提供商向收款人付款时，服务提供商也向收款人发出与付款有关的汇款通知。
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公开(公告)号：US08781959B2
公开(公告)日：2014-07-15
申请号：US13033040
申请日：2011-02-23
IPC分类号： G06Q40/00
CPC分类号： G06Q20/102 , G06Q20/10 , G06Q20/108 , G06Q30/0203 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for generating payment due notifications are provided. A payor and a payee of the payor may be identified by a payment service provider system. At least one notification control parameter associated with communicating payment due notifications to the payor may be identified. Based at least in part upon evaluating a payment history associated with one or more payments made to the payee on behalf of the payor, a payment frequency pattern may be determined. Based at least in part on a portion of the payment history and the determined payment frequency pattern, a next expected payment date may be calculated. In accordance with the at least one notification control parameter, a payment due notification including an identity of the payee and the next expected payment date may be generated. The payment due notification may be transmitted to the payor.
摘要翻译： 提供了用于生成付款通知的系统和方法。 付款人的付款人和收款人可以由支付服务提供者系统来识别。 可以识别与向付款人传送支付到期通知相关联的至少一个通知控制参数。 至少部分地基于评估与代表付款人对收款人所做的一个或多个付款相关联的支付历史，可以确定支付频率模式。 至少部分地基于支付历史的一部分和确定的支付频率模式，可以计算下一个预期支付日期。 根据至少一个通知控制参数，可以生成包括收款人的身份和下一个预期支付日期的支付到期通知。 付款到期通知可以传送给付款人。
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8.发明申请公开(公告)号：US20110313917A1
公开(公告)日：2011-12-22
申请号：US12818961
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q40/00 , G06K9/325 , G06K2209/01 , G06Q20/102 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q30/0207
摘要： Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment coupon from a payer and determining an identity of a biller associated with the payment coupon from the image. It may then be determined that no payment coupon metadata for obtaining one or more fields from the payment coupon is stored in association with the biller. The method may then include requesting a respective set of one or more field indicators representing at least an approximate size or an approximate location for one or more fields within the image. Upon receipt, the field indicators for the fields within the image are stored as the payment coupon metadata in association with the biller.
摘要翻译： 本发明的实施例可以提供用于捕获和处理支付券信息的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，并从图像中确定与付款优惠券相关联的帐单者的身份。 然后可以确定没有与付款者相关联地存储用于从支付券获得一个或多个字段的支付优惠券元数据。 该方法然后可以包括请求表示图像内的一个或多个字段的至少近似大小或近似位置的一个或多个字段指示符的相应集合。 一旦接收到，图像中的字段的字段指示符被存储为与发件人关联的支付优惠券元数据。
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公开(公告)号：US08635155B2
公开(公告)日：2014-01-21
申请号：US12818964
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q20/14 , G06F17/30011 , G06K9/18 , G06K9/325 , G06Q20/102 , G06Q20/22 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q20/387 , G06Q30/0207 , G06Q40/00
摘要： Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon.
摘要翻译： 本发明的实施例可以提供用于处理支付券图像的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，至少部分地基于由图像显示的信息，至少基于图像提取数据来确定与支付优惠券相关联的帐单者的身份 部分地是与指示付款券的布局的帐单相关联的支付券元数据。 该方法可以进一步包括执行以下至少之一：（a）至少部分地基于从图像中提取的数据来处理与支付券相关联的支付给发件人; （b）将付款人添加到与付款优惠券相关的付款人的帐单列表中; 或（c）激活账单作为与支付券相关联的付款人的电子账单。
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10.发明授权公开(公告)号：US08543501B2
公开(公告)日：2013-09-24
申请号：US12818961
申请日：2010-06-18
申请人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
发明人： Mary Elizabeth Lawson , Joseph Carl Dickerson , Barbara Wilson Whiteside , Donald Kenneth Hobday , Hans Daniel Dreyer
CPC分类号： G06Q40/00 , G06K9/325 , G06K2209/01 , G06Q20/102 , G06Q20/322 , G06Q20/325 , G06Q20/3276 , G06Q30/0207
摘要： Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment coupon from a payer and determining an identity of a biller associated with the payment coupon from the image. It may then be determined that no payment coupon metadata for obtaining one or more fields from the payment coupon is stored in association with the biller. The method may then include requesting a respective set of one or more field indicators representing at least an approximate size or an approximate location for one or more fields within the image. Upon receipt, the field indicators for the fields within the image are stored as the payment coupon metadata in association with the biller.
摘要翻译： 本发明的实施例可以提供用于捕获和处理支付券信息的系统和方法。 在一个实施例中，一种方法包括从付款者接收表示支付券的图像，并从图像中确定与付款优惠券相关联的帐单者的身份。 然后可以确定没有与付款者相关联地存储用于从支付券获得一个或多个字段的支付优惠券元数据。 该方法然后可以包括请求表示图像内的一个或多个字段的至少近似大小或近似位置的一个或多个字段指示符的相应集合。 一旦接收到，图像中的字段的字段指示符被存储为与发件人关联的支付优惠券元数据。
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