公开(公告)号：US20140019283A1

公开(公告)日：2014-01-16

申请号：US13595963

申请日：2012-08-27

Applicant: Sean-Michael Daley

Inventor： Sean-Michael Daley

IPC: G06Q30/06

CPC classification number: G06Q30/06

Abstract: A computer system includes one or more network interfaces configured to, for each of a plurality of benefactors, send to an electronic device of the benefactor information specifying an item desired by a beneficiary, wherein the item is offered for sale by a merchant at a price. The interfaces are also configured to, for each of the plurality of benefactors, receive from the benefactor electronic device information specifying a portion of the item price the benefactor agrees to pay. The computer system also includes a central processing unit (CPU) configured to determine that a sum of the portions of the item price the plurality of benefactors agreed to pay has reached the item price and in response pay the merchant for the item.

Abstract translation: 一种计算机系统包括：一个或多个网络接口，被配置为针对多个受益者中的每一个向电子设备发送指定受益人期望的项目的捐赠者信息，其中该商品以商品的价格被提供出售 。 接口还被配置为，对于多个受益者中的每一个，从受益者电子设备接收指定捐助者同意支付的项目价格的一部分的信息。 计算机系统还包括中央处理单元（CPU），其被配置为确定多个赞助者同意支付的项目价格的部分的总和已经达到项目价格，并且作为响应向商家支付该项目。

公开(公告)号：US20140019348A1

公开(公告)日：2014-01-16

申请号：US13550417

申请日：2012-07-16

Applicant: Sean-Michael Daley

Inventor： Sean-Michael Daley

IPC: G06Q20/14

CPC classification number: G06Q20/14 ,  G06Q20/02

Abstract: A trusted third party payment system includes one or more network interfaces that communicate with a device to receive bill information about bills of a bill owner and to communicate with devices to receive bill helper payment instrument information and to communicate with systems operated by billers of the bill owner, and a central processing unit that uses the payment instrument information to pay the bills to the billers systems with funds of the bill helpers. The bill owner, the bill helpers, the billers and the trusted third party are all distinct entities. The system also receives bill helper contact information and electronically communicates to the bill helpers (e.g., email, text message, Facebook or Twitter message) that the bill owner has requested help paying the bills. For at least one of the bills, the CPU pays partial amounts of the bill with funds of each of multiple bill helpers.

Abstract translation: 可靠的第三方支付系统包括一个或多个网络接口，其与设备通信以接收关于账单所有者的账单的账单信息，并且与设备进行通信以接收账单帮助支付工具信息，并与账单的帐户操作的系统进行通信 所有者和中央处理单元，其使用支付工具信息来向帐单系统支付账单帮助者的资金。 帐单所有者，帐单帮助者，帐单者和受信任的第三方都是不同的实体。 该系统还接收账单帮助者联系信息，并电子地通信账单所有者已经请求帮助支付账单的账单帮助者（例如，电子邮件，短信，Facebook或Twitter消息）。 对于至少一个帐单，CPU支付多个帐单助理的资金的部分数额的帐单。