-
公开(公告)号：US20020077978A1
公开(公告)日：2002-06-20
申请号：US09886916
申请日：2001-06-21
IPC分类号： G06F017/60
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/102
摘要： A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (Web Broker), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The Web Broker is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a Web Broker enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent Web Broker enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.
摘要翻译： 实现电子资金转帐信用信息的系统和方法。 系统的主要结构组件包括支付门户处理器（Web Broker），互联网支付任何人（IPA）帐户，虚拟私人锁箱（VPL）和相关的帐户记录器，现有的电子转帐网络和用于访问的现金卡 VPL或IP帐户。 Web Broker是一个软件应用程序，它提供了访问（链接）用户的需求存款帐户（DDA）或IPA帐户的安全门户，并可与传统数字电子钱包的功能相结合。 消费者使用Web Broker增强型电子钱包资金，在网上购物，支付账单，支付任何人，存储电子收据和交易记录，并检查他们最近的Web Broker增强的电子钱包活动。 IPA帐户是一种特殊用途的帐户，其功能有限，以电子金融信用信息的形式进行电子支付。 VPL是一种有限功能，只接收通过电子转帐接收电子支付的账户。 帐户记录器是一个门户，用于查看IPA和VPL账户的交易历史记录和余额，提供在线实时交易报告，并将应收账款/购买记录与收到的EFT付款记录进行对账。 物理卡可以与IPA或VPL帐户相关联，以提供PIN借记功能。
搜索结果
1 条记录 (耗时 0.014 秒)
