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1. 发明申请

WO1993002422A1 APPARATUS FOR AND METHOD OF BILL PAYMENT 审中-公开
标题翻译：付款方式和付款方式
公开(公告)号：WO1993002422A1
公开(公告)日：1993-02-04
申请号：PCT/US1992005774
申请日：1992-07-08
申请人： CHECKFREE CORPORATION
发明人： CHECKFREE CORPORATION , KIGHT, Peter, J. , JOHNSON, Mark, A. , CHRISTENSON, Tamara, K. , LACH, Regina , POINTER, Phillip , COOK, Kenneth
IPC分类号： G06F15/00
CPC分类号： G06Q30/04 , G06Q20/04 , G06Q20/042 , G06Q20/0425 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q20/385 , G06Q40/02 , G06Q40/025
摘要： A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means (34) to pay various bills without the consumer having the write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.
摘要翻译：消费者可以通过电话，计算机终端或其他通信装置（34）指示服务提供商支付各种票据的计算机化支付系统，而消费者没有为每个账单写入支票。该制度对于消费银行和什么账单要支付的地方没有限制。服务提供商根据消费者的指示，收集消费者信息，金融机构信息和商家信息，并根据财务风险分析向商家安排支付。

2. 发明公开

EP1550932A3 A contact list for accessing a computing application 审中-公开
标题翻译：用于访问计算机应用程序的联系人列表
公开(公告)号：EP1550932A3
公开(公告)日：2005-12-28
申请号：EP04027298.1
申请日：2004-11-17
申请人： CheckFree Corporation
发明人： Harris, Mark T. , Dreyer, Hans D.
IPC分类号： G06F1/00
CPC分类号： H04L67/10 , G06F21/33
摘要： A technique for accessing an electronic commerce function (ECF) is provided. A first signal identifying an entity and an ECF associated with the entity is transmitted to a user from a contact list service. The user selects the ECF, causing a second signal indicating the selection to be transmitted to the contact list service. In response to receipt of the second signal, the contact list service transmits a third signal. The third signal identifies a network address associated with an electronic commerce service provider for providing and/or facilitating the ECF. The third signal also identifies information associated with the entity. The third signal, either directly or indirectly, is operable to cause a fourth signal to be transmitted to the user from the service provider. The fourth signal includes information associated with invoking the ECF and is based upon the information associated with the entity included in the third signal.

3. 发明公开

EP1052603A9 Cashless transactions without credit cards, debit cards or checks 审中-公开
标题翻译：没有信用卡，借记卡或支票的无现金交易
公开(公告)号：EP1052603A9
公开(公告)日：2002-09-04
申请号：EP00107413.7
申请日：2000-04-05
申请人： CheckFree Corporation
发明人： Ganesan, Ravi
IPC分类号： G07F19/00 , G06F17/60
CPC分类号： G06Q30/04 , G06Q20/02 , G06Q20/04 , G06Q20/10
摘要： Cashless transactions are performed by transmitting information identifying a purchaser of a product without identifying a payment account for the purchaser. The transmitted identifying information is received at a central processing point and processed to determine if the purchaser is a registered purchaser. A notice confirming registration, which may take the form of a purchase authorization, is transmitted from the central processing point if the purchaser is determined to be registered. The transmitted notice is received at the point of purchase and a bill is generated for the purchased product responsive to receipt of the notice.

4. 发明公开

EP1049056A2 Electronic bill presentment and/or payment clearinghouse 审中-公开
标题翻译： Verrechnungszentrale zum Vorlegen und / oder Bezahlen von Rechnungen
公开(公告)号：EP1049056A2
公开(公告)日：2000-11-02
申请号：EP00107414.5
申请日：2000-04-05
申请人： CheckFree Corporation
发明人： Ganesan, Ravi
IPC分类号： G07F19/00 , G06F17/60
CPC分类号： G06Q20/14 , G06K19/00 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/4014 , G06Q30/04 , G06Q40/00 , G06Q40/02
摘要： Network stations are used to electronically pay bills. Each station represents a different user, including payers and payees. Each user has a payment account maintained at one of a plurality of different financial institutes. An instruction to make payment of a bill of a payee is received, via a network, from a user station representing a payer. A directive, directing a transfer of funds from the payment account associated with the payer and maintained at a first financial institute to a deposit account associated with the payee and maintained at a second financial institute, is generated based on the received payment instruction. Remittance information associated with payment of the bill by the fund transfer is also generated. The directive is transmitted to the first financial institute. The remittance information is stored in a central database so as to be accessible, via the network, to a user station representing the payee.
摘要翻译：网络电台用于电子支付账单。每个站代表不同的用户，包括付款人和收款人。每个用户具有维护在多个不同金融机构之一的支付账户。通过网络从代表付款人的用户站接收支付收款人的帐单的指令。根据收到的付款指示，产生指示从与付款人有关的支付账户资金转移资金并在第一金融机构保存到与收款人相关的并存储在第二个金融机构的存款账户的指令。还产生与资金转账支付账单相关的汇款信息。该指令转交给第一家金融机构。汇款信息存储在中央数据库中，以便通过网络可访问代表收款人的用户站。

5. 发明公开

EP1020824A2 Technique for conducting secure transactions over a network 审中-公开
标题翻译：通过网络进行安全交易的技术
公开(公告)号：EP1020824A2
公开(公告)日：2000-07-19
申请号：EP99124674.5
申请日：1999-12-10
申请人： CheckFree Corporation
发明人： Ganesan, Ravi , Ganesan, Karuna , Kight, Peter
IPC分类号： G07F19/00 , G06F17/60
CPC分类号： G06Q30/06 , G06Q20/04 , G06Q20/10 , G06Q20/382 , G06Q20/425 , G06Q30/0601
摘要： A method for conducting cashless transactions, includes receiving, at a first network device associated with a seller, information identifying a product intended to be purchased at a purchase price by a purchaser. The purchase price is to be paid through a transfer to the seller of funds deposited in or credited to an account of the purchaser. The identity of the account having the funds is and remains unknown to the seller. The authorization of the purchaser to pay the purchase price for the identified product through the transfer to the seller of the funds in the account is transmitted to a second network device associated with the financial institute at which the account is maintained. A determination is made as to whether or not the funds are sufficient with respect to the purchase price. If so, the authorization of the financial institute for the seller to proceed with delivery of the identified product is transmitted from the second network device to the first network device.
摘要翻译：一种用于进行无现金交易的方法，包括在与卖家相关联的第一网络设备处接收识别打算由购买者以购买价格购买的产品的信息。购买价格应通过转移给卖方存入或贷记购买方账户的资金支付。具有资金的账户的身份对于卖方来说并且仍然是未知的。购买者通过向账户中资金的卖方转移支付所识别产品的购买价格的授权被传输到与维护该账户的金融机构相关联的第二网络设备。确定资金是否足够购买价格。如果是这样，金融机构授权卖方继续交付所标识的产品从第二网络设备传输到第一网络设备。

6. 发明公开

EP1591929A1 An identity protection technique in matching consumers with electronic billers 审中-公开
标题翻译：身份保护技术匹配消费电子记账
公开(公告)号：EP1591929A1
公开(公告)日：2005-11-02
申请号：EP04009972.3
申请日：2004-04-27
申请人： CheckFree Corporation
发明人： McCoy, Randal A. , Harris, Mark T.
IPC分类号： G06F17/60
CPC分类号： G06F21/6254 , G06Q20/14
摘要： A for identifying billers having bills available for electronic presentment for a consumer without sharing personal information of the consumer and personal information of customers of an electronic biller is provided. Consumer identifying information is transformed into a unique consumer value that does not reveal the consumer identity information. Customer identifying information is transformed into a unique customer value that does not reveal the customer identity information. The two values are compared, and if the values match, the consumer is a customer of the electronic biller.

7. 发明公开

EP1486898A1 A technique for identifying probable billers of a consumer 审中-公开
标题翻译：识别可疑记账的消费方式
公开(公告)号：EP1486898A1
公开(公告)日：2004-12-15
申请号：EP04006977.5
申请日：2004-03-23
申请人： CheckFree Corporation
发明人： Kozee, Casey W. , Bemis, Teri W. , McMichael, William R.
IPC分类号： G06F17/60
CPC分类号： G06Q30/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G07F7/00
摘要： A technique for identifying a candidate electronic biller having bills available for electronic presentment to a consumer is provided. An electronic commerce service provider receives location information of a first consumer. The service provider accesses information associated with providing a payment service to a second consumer located near the first consumer. This accessing is based on the received location information. At least one potential biller of the first consumer is identified in the accessed information.
摘要翻译：提供鉴定具有可用于电子呈交的消费账单的候选电子记账方法。电子商务服务提供商接收第一用户的位置信息。服务提供商访问与位于第一消费附近的第二消费者提供支付服务相关的信息。该访问是根据接收到的位置信息。第一次消费的至少一个潜在记账在所访问的信息标识。

8. 发明公开

EP1136923A1 A technique for centrally tracking transactions in an electronic billing system 审中-公开
标题翻译：在电子结算系统为中心轨道交易的方法
公开(公告)号：EP1136923A1
公开(公告)日：2001-09-26
申请号：EP00106122.5
申请日：2000-03-21
申请人： CheckFree Corporation
发明人： Ganesan, Ravi , Harris, Mark Todd , Dreyer, Hans Daniel , Wolfe, Kathryn Randall
IPC分类号： G06F17/60
CPC分类号： G06Q30/04 , G06Q20/102 , G06Q20/14 , H04L29/06 , H04L67/42 , H04L69/329
摘要： A method is provided for centrally tracking transactions in an electronic billing system. The system includes multiple different billing entities, multiple different financial institute entities and multiple different user entities. Each of the multiple different billing entities is associated with a respective portion of the multiple different user entities and each of the multiple different financial institute entities is associated with a respective portion of the multiple different user entities. A message is received from any of the multiple different financial institute entities indicating a request from any of the multiple different user entities associated with the applicable financial institute entity to view billing information. The receipt of the request to view the billing information is logged in a database as first event information. A message indicative of the billing information of at least one of the multiple different billing entities associated with the applicable user entity which is available for viewing is transmitted to the applicable user entity. A message indicating a request from the applicable user entity to view the available billing information of that billing entity is received from any of the at least one of the billing entities. The receipt of the message indicating the applicable user entity request to view the billing information of the applicable billing entity is logged in the database as a second event information.
摘要翻译：在电子计费系统提供了集中跟踪交易的方法。该系统包括多个不同的计费单位，多个不同的金融机构和实体多个不同的用户实体。所述多个不同的记帐实体中的每一个与所述多个不同的用户实体的respectivement部分相关联，并且每个所述多个不同的金融机构的实体与所述多个不同的用户实体的respectivement部分相关联。从任何所述多个不同的金融机构的实体指示从任何适用的金融机构相关联的实体，以查看帐单信息的多个不同的用户实体的请求的接收的消息。收据以查看帐单信息的请求被记录在数据库中作为第一事件信息。指示与适用的用户实体的所有这是可用于观看相关联的多个不同的记帐实体中的至少一个的计费信息的消息是反式mitted适用的用户实体。一条消息，表明从适用的用户实体的请求，以查看并从任何记帐实体的至少一个接收到的记帐实体的可用结算信息。在收到该消息指示该用户适用的实体请求以查看适用记帐实体的帐单信息的已登录到数据库中作为第二事件的信息。

9. 发明公开

EP1136922A1 An elctronic bill presentment technique with enhanced biller control 审中-公开
标题翻译：一种通过会计师具有改进的控制呈递帐单方法
公开(公告)号：EP1136922A1
公开(公告)日：2001-09-26
申请号：EP00106120.9
申请日：2000-03-21
申请人： CheckFree Corporation
发明人： Ganesan, Ravi , Harris, Mark Todd , Dreyer, Hans Daniel , Wolfe, Kathryn Randall
IPC分类号： G06F17/60
CPC分类号： G06Q30/04
摘要： An electronic bill presentment system includes a network, a central network station, and a plurality of user and biller network stations. Each of the user stations is associated with a respective one of a plurality of users and is operable to transmit first requests for bills via the network. The central network station receives the transmitted first requests and transmits, responsive thereto, bill availability information via the network. The user stations receive the transmitted bill availability information and are operable to transmit second requests for bills via the network. Each of the biller stations is associated with a respective one of the plurality of billers. The biller stations receive the transmitted second requests and transmit, responsive thereto, the requested bills via the network.
摘要翻译：一种电子帐单呈现系统包括：网络，中央网络站，以及用户和记账网络台的多个。每个用户站与用户的多个A respectivement一个相关联，并且可操作以发送用于经由网络票据第一请求。中央网络站接收反mitted第一请求和发送响应于此，经由网络帐单可用性信息。所述用户站接收所述反mitted纸币可用性信息，并且可操作以发送用于经由网络票据第二请求。记账站的每一个与一个respectivement记账的多个之一相关联。的帐单站接收经由网络反式mitted第二请求并传送，响应于此，所请求的票据。

10. 发明公开

EP1052603A2 Cashless transactions without credit cards, debit cards or checks 审中-公开
标题翻译： Bargeldlose Transaktionen ohne Kreditkarten，Debitkarten oder Schecks
公开(公告)号：EP1052603A2
公开(公告)日：2000-11-15
申请号：EP00107413.7
申请日：2000-04-05
申请人： CheckFree Corporation
发明人： Ganesan, Ravi
IPC分类号： G07F19/00 , G06F17/60
CPC分类号： G06Q30/04 , G06Q20/02 , G06Q20/04 , G06Q20/10
摘要： Cashless transactions are performed by transmitting information identifying a purchaser of a product without identifying a payment account for the purchaser. The transmitted identifying information is received at a central processing point and processed to determine if the purchaser is a registered purchaser. A notice confirming registration, which may take the form of a purchase authorization, is transmitted from the central processing point if the purchaser is determined to be registered. The transmitted notice is received at the point of purchase and a bill is generated for the purchased product responsive to receipt of the notice.
摘要翻译：通过发送识别产品的购买者的信息而不识别购买者的支付帐户来执行无现金交易。发送的识别信息在中央处理点被接收并被处理以确定购买者是否是注册的购买者。如果购买者被确定注册，则可以从中央处理点传送确认注册的通知，其可以采取购买授权的形式。发送的通知是在购买时收到的，并且响应收到通知而为购买的产品生成帐单。

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