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11. 发明申请

US20090265272A1 MONEY TRANSFERS UTILIZING A UNIQUE RECEIVER IDENTIFIER 审中-公开
标题翻译：使用一个独特的接收者标识符进行货币转移
公开(公告)号：US20090265272A1
公开(公告)日：2009-10-22
申请号：US12477360
申请日：2009-06-03
申请人： Matt Dill , Rebecca Mann , Paul Blair , Jacques Gilbert , Mike Michelsen , Michael Hafer
发明人： Matt Dill , Rebecca Mann , Paul Blair , Jacques Gilbert , Mike Michelsen , Michael Hafer
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q20/105 , G06Q20/1085 , G06Q20/223 , G06Q20/385 , G06Q20/40 , G06Q40/00
摘要： Methods, systems, and machine-readable media are disclosed for financial transfers utilizing a unique identifier to facilitate flexible payment options for the transaction. According to one embodiment, a pull transaction model can be implemented. According to such embodiments, a money transfer can be initiated in a conventional manner via an agent of a money transfer facilitator. The sender of the transfer can provide an identifier for the transaction to the recipient. The recipient can in turn use the identifier, in combination with functionality of a mobile wallet application of a mobile device to request or “pull” the money transfer to an account associated with the mobile wallet application. In this way, the recipient can receive the transfer to the mobile wallet account even if the sender does not know that such a delivery is available.
摘要翻译：公开了方法，系统和机器可读介质，用于使用唯一标识符进行财务转移，以促进交易的灵活支付选项。根据一个实施例，可以实现拉动事务模型。根据这样的实施例，可以通过汇款促进者的代理以常规方式启动汇款。传输的发送者可以向接收方提供交易的标识符。接收者可以结合使用移动设备的移动钱包应用的功能来使用标识符来请求或“拉”汇款到与移动钱包应用相关联的帐户。以这种方式，即使发件人不知道这样的传送是可用的，收件人也可以接收到移动钱包帐户的转移。

12. 发明申请

US20120185383A1 UNIVERSAL LEDGER 有权
标题翻译：通用LEDGER
公开(公告)号：US20120185383A1
公开(公告)日：2012-07-19
申请号：US13008393
申请日：2011-01-18
申请人： Michele Demark , Mike Michelsen , Diane Scott , Chris Cochran
发明人： Michele Demark , Mike Michelsen , Diane Scott , Chris Cochran
IPC分类号： G06Q40/00 , G06Q99/00
CPC分类号： G06Q40/025 , G06Q10/06 , G06Q20/102 , G06Q30/0613 , G06Q50/01
摘要： The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
摘要翻译：本发明提供了跟踪个人之间承担的义务的系统和方法。该方法可以包括从第一方接收请求，其中请求包括第一方为了第二方的利益而招致的费用。该方法还可以包括向第二方提供请求的通知，并且接收来自第二方的接受承担与费用相关联的义务。该方法还可以包括将义务与第二方关联并将利益与第一方相关联。义务和/或利益可能与费用的价值基本相同。该方法还可以包括与社交网络服务的接口，以向社交网络服务提供关于义务和/或利益的信息。

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