公开(公告)号：US07813982B2

公开(公告)日：2010-10-12

申请号：US11764324

申请日：2007-06-18

Applicant: Gary Holme ,  Wayne Joseph Martin

Inventor： Gary Holme ,  Wayne Joseph Martin

IPC: G06Q40/00

CPC classification number: G06Q40/06 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q30/06 ,  G06Q40/00

Abstract: Methods and/or systems for providing preauthorization and transaction settlement for a transaction using a prepaid unit-based presentation instrument are disclosed, wherein the presentation instrument includes a unit balance. The method may include receiving a preauthorization request that includes a price-per-unit and a preauthorization amount. The methods and/or systems may then determine whether the unit balance is sufficient to cover the preauthorization amount. If the unit balance is sufficient to cover the preauthorization amount, the presentation instrument is authorized for the transaction. If the unit balance is insufficient to cover the preauthorization amount, a currency balance is determined from the unit balance and the price-per-unit, authorizing the presentation instrument for a transaction up to the currency balance and sending an indication that the currency balance is authorized for the transaction.

Abstract translation: 公开了一种用于使用基于预付单元的呈现工具为交易提供预授权和交易结算的方法和/或系统，其中所述呈现工具包括单位余额。 该方法可以包括接收包括每单位价格和预授权量的预授权请求。 方法和/或系统然后可以确定单元余额是否足以覆盖预授权量。 如果单位余额足以支付预授权金额，则表示工具被授权进行交易。 如果单位余额不足以支付预授权金额，则货币余额由单位余额和单位价格确定，授权交易的提款工具直至货币余额，并发送货币余额为 授权交易。

公开(公告)号：US07783539B2

公开(公告)日：2010-08-24

申请号：US11283532

申请日：2005-11-18

Applicant: Wayne Joseph Martin

Inventor： Wayne Joseph Martin

IPC: G06F19/00

CPC classification number: G06Q20/20 ,  G06Q20/10 ,  G06Q40/00 ,  G06Q40/04 ,  G06Q40/06

Abstract: Methods are provided for executing a money transfer from a first party to a second party. Customer instructions are received at a host system to stage the money transfer. The instructions include specification of an amount of money to be transferred, specification of a first currency in which the funds are to be provided by the first party, specification of a second currency different from the first currency in which the funds are to be received by the second party, and specification of a trigger currency exchange rate. Confirmation is received that the funds have been collected from the first party. A currency exchange rate between the first currency and the second currency is monitored. It is determined whether the monitored currency exchange rate is at least as favorable for the first party as the trigger currency exchange rate.

Abstract translation: 提供了用于执行从第一方转移到第二方的汇款的方法。 在主机系统收到客户指示，以便汇款。 指示包括要转让的金额的规格，第一方将提供资金的第一种货币的规格，与第 第二方和触发货币汇率的规格。 收到确认资金已从第一方收集。 监控第一种货币与第二种货币之间的货币汇率。 确定监控的货币汇率是否至少与第一方有利，作为触发货币汇率。

公开(公告)号：US20080195497A1

公开(公告)日：2008-08-14

申请号：US11764324

申请日：2007-06-18

Applicant: Gary Holme ,  Wayne Joseph Martin

Inventor： Gary Holme ,  Wayne Joseph Martin

IPC: G06Q20/00 ,  G06Q40/00

CPC classification number: G06Q40/06 ,  G06Q20/102 ,  G06Q20/105 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q30/06 ,  G06Q40/00

Abstract: Methods and/or systems for providing preauthorization and transaction settlement for a transaction using a prepaid unit-based presentation instrument are disclosed, wherein the presentation instrument includes a unit balance. The method may include receiving a preauthorization request that includes a price-per-unit and a preauthorization amount. The methods and/or systems may then determine whether the unit balance is sufficient to cover the preauthorization amount. If the unit balance is sufficient to cover the preauthorization amount, the presentation instrument is authorized for the transaction. If the unit balance is insufficient to cover the preauthorization amount, a currency balance is determined from the unit balance and the price-per-unit, authorizing the presentation instrument for a transaction up to the currency balance and sending an indication that the currency balance is authorized for the transaction.

Abstract translation: 公开了一种用于使用基于预付单元的呈现工具为交易提供预授权和交易结算的方法和/或系统，其中所述呈现工具包括单位余额。 该方法可以包括接收包括每单位价格和预授权量的预授权请求。 方法和/或系统然后可以确定单元余额是否足以覆盖预授权量。 如果单位余额足以支付预授权金额，则表示工具被授权进行交易。 如果单位余额不足以支付预授权金额，则货币余额由单位余额和单位价格确定，授权交易的提款工具直至货币余额，并发送货币余额为 授权交易。