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1. 发明申请

WO2011008630A1 ALTERNATIVE CURRENCY VALUE EXCHANGE SYSTEMS AND METHODS 审中-公开
标题翻译：替代货币价值交换系统和方法
公开(公告)号：WO2011008630A1
公开(公告)日：2011-01-20
申请号：PCT/US2010/041363
申请日：2010-07-08
申请人： THE WESTERN UNION COMPANY , MEHEW, Evans , GALUPPO, Gail
发明人： MEHEW, Evans , GALUPPO, Gail
IPC分类号： G06Q40/00
CPC分类号： G06Q40/04 , G06Q20/10 , G06Q30/06 , G06Q30/0601
摘要： This disclosure describes, generally, methods and systems for exchanging alternative currencies. The method includes creating, at an alternative currency platform, a plurality of user accounts and receiving, from a first user in the plurality of user accounts, an alternative currency exchange offer. The alternative currency exchange offer includes one or more offer terms and associated assets. Furthermore, the method includes extending the alternative currency exchange offer from the first user to the second user, in response to receiving acceptance of the offer from the second user, verifying the associated assets of the first user and the second user, and in response to verification of the assets of the first user and second user, providing settlement of the alternative currency exchange offer.
摘要翻译：本公开一般地描述用于交换替代货币的方法和系统。该方法包括在替代货币平台处创建多个用户帐户，并从多个用户账户中的第一用户接收替代货币兑换报价。替代货币兑换报价包括一个或多个要约条款和关联资产。此外，该方法包括响应于接收到来自第二用户的报价的接受，验证第一用户和第二用户的关联资产，以及响应于第一用户和第二用户的相关资产，响应于验证第一用户和第二用户的资产，提供替代货币兑换报价的结算。

2. 发明申请

WO2010019301A1 METHODS AND SYSTEMS FOR MONEY TRANSFER WITH CABLE AND/OR SATELLITE PROVIDERS 审中-公开
标题翻译：用电缆和/或卫星提供者转帐的方法和系统
公开(公告)号：WO2010019301A1
公开(公告)日：2010-02-18
申请号：PCT/US2009/044872
申请日：2009-05-21
申请人： THE WESTERN UNION COMPANY , ARMENTA, Ernest , GALUPPO, Gail
发明人： ARMENTA, Ernest , GALUPPO, Gail
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/108 , G06Q20/4012
摘要： The invention provides various systems and methods for providing money transfers executed in connection with cable and/or satellite providers. The method includes presenting an interface to a user on a service provider's signal receiving device. The interface includes money transfer options. The method further includes receiving a money transfer initiation request from the user, and verifying the user's identity. The method then forwards the money transfer initiation request to a money transfer provider, and generates a money transfer control number associated with the money transfer initiation request. Furthermore, the method includes activating the money transfer control number, and transmitting the money transfer control number to a recipient.
摘要翻译：本发明提供了用于提供与有线和/或卫星提供商相关联执行的汇款的各种系统和方法。该方法包括向服务提供商的信号接收设备上的用户呈现接口。界面包括汇款选项。该方法还包括从用户接收汇款发起请求，并验证用户的身份。然后，该方法将汇款发起请求转发给汇款提供商，并产生与汇款发起请求相关联的汇款控制号码。此外，该方法包括激活汇款控制号码，并将汇款控制号码发送给接收方。

3. 发明申请

WO2009097025A1 SYSTEMS AND METHODS TO FACILITATE PAYMENT OF SHIPPED GOODS 审中-公开
标题翻译：促进运输货物付款的制度和方法
公开(公告)号：WO2009097025A1
公开(公告)日：2009-08-06
申请号：PCT/US2008/078619
申请日：2008-10-02
申请人： THE WESTERN UNION COMPANY , OWEN, Dave
发明人： OWEN, Dave
IPC分类号： G07G1/12
CPC分类号： G06Q10/083 , G06Q20/12 , G06Q20/4014 , G06Q20/40145 , G06Q30/04 , G06Q30/0601 , G06Q30/0617 , G06Q30/0619
摘要： This disclosure describes methods and systems for facilitating shipment of goods. The method includes forwarding an invoice for a purchase agreement made between a seller and a buyer. The method includes receiving a service selection indicating that the invoice is to be paid using an escrow system. The service selection includes a token for verification of a buyer's signatory. The method receives funding confirmation that the buyer has deposited funds into an escrow account. Based on funding confirmation, notification to ship the goods is sent. The method receives shipping confirmation confirming that the goods have been shipped. Upon receipt of the goods, a receiver is authenticated as the authorized signatory using the verification system. This authentication is based on the stored token matching a provided token. Based on verification of the receiver, goods are released and deposited funds from the escrow account are deposited into the seller's account.
摘要翻译：本公开描述了促进货物装运的方法和系统。该方法包括转发在卖方和买方之间采购的购买协议的发票。该方法包括接收指示使用托管系统来支付发票的服务选择。服务选择包括用于验证买方签字人的令牌。该方法收到资金确认，买方已将资金存入代管帐户。根据资金确认，发送货物通知。该方法收到确认货物已发货的运送确认。收到货物后，使用验证系统将接收方认证为授权签字人。此认证基于与提供的令牌匹配的存储令牌。根据接收方的验证，货物发放，托管账户存入的资金存入卖方账户。

4. 发明申请

WO2009079055A1 ADJUSTABLE BALANCE LIMIT PREPAID PRESENTATION INSTRUMENT 审中-公开
标题翻译：可调平衡限制预报仪器
公开(公告)号：WO2009079055A1
公开(公告)日：2009-06-25
申请号：PCT/US2008/077242
申请日：2008-09-22
申请人： THE WESTERN UNION COMPANY , DAVIS, Stuart G.
发明人： DAVIS, Stuart G.
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q20/204 , G06Q20/403
摘要： This disclosure describes, generally, methods and systems for providing an adjustable balance limit prepaid presentation instrument is described. The method includes receiving a request for the adjustable balance limit prepaid presentation instrument and obtaining customer information. The method further includes, processing the customer information with a processor to determine a risk level associated with changing a funding limit associated with the prepaid presentation instrument. The method further funds the adjustable balance limit prepaid presentation instrument to up to a maximum of the assigned funding limit using a variety of funding sources.
摘要翻译：本公开一般描述了用于提供可调平衡限制预付费呈现装置的方法和系统。该方法包括接收对可调平衡限制预付费表示仪器的请求并获取客户信息。该方法还包括用处理器处理客户信息以确定与改变与预付费呈现工具相关联的资金限额相关联的风险水平。该方法还使用各种资金来源将可调平衡限额预付款演示文书资助到最高限额的分配资金限额。

5. 发明申请

WO2009042437A1 METHODS AND SYSTEMS FOR GENERATING INVOICES 审中-公开
标题翻译：用于生成发票的方法和系统
公开(公告)号：WO2009042437A1
公开(公告)日：2009-04-02
申请号：PCT/US2008/076424
申请日：2008-09-15
申请人： THE WESTERN UNION COMPANY , BIXLER, Matt , NEWTON, Robert , SEIFERT, Dean , OWEN, Dave , PETRI, Elizabeth
发明人： BIXLER, Matt , NEWTON, Robert , SEIFERT, Dean , OWEN, Dave , PETRI, Elizabeth
IPC分类号： G06F19/00
CPC分类号： G06Q40/00 , G06Q20/102 , G06Q30/04 , G06Q40/02
摘要： This disclosure describes, generally, methods and systems for generating electronic invoices. The method may include logging on to an online invoicing service account, and looking up a customer account from multiple customers associated with the online invoicing service account. The method may further include selecting the customer account that has a pending financial transaction with a biller. A request for an electronic invoice to be generated for the selected customer is initiated and the electronic invoice may be transmitted to the selected customer.
摘要翻译：本公开一般地描述了用于生成电子发票的方法和系统。该方法可以包括登录到在线发票服务帐户，以及从与在线开票服务帐户相关联的多个客户查找客户账户。该方法可以进一步包括选择具有与帐单者的待决金融交易的客户帐户。启动对所选客户生成电子发票的请求，并将电子发票发送给所选客户。

6. 发明申请

WO2008097726A1 MONEY TRANSFERS FOR TAX REFUNDS 审中-公开
标题翻译：货币兑换货币转移
公开(公告)号：WO2008097726A1
公开(公告)日：2008-08-14
申请号：PCT/US2008/051944
申请日：2008-01-24
申请人： THE WESTERN UNION COMPANY , MCKERNAN, Patricia, M. , TRUJILLO, Christian, J.
发明人： MCKERNAN, Patricia, M. , TRUJILLO, Christian, J.
IPC分类号： G06Q40/00 , H04L9/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q40/12 , G06Q40/123
摘要： Tax refunds are provided via a money transfer service. Merely by way of example, a taxpayer (or a tax preparer) might provide to the IRS an account number at a bank, as a target for a direct deposit refund related to a tax return. In an aspect, the account number might have a specific format that informs the bank that the refund is to be processed by the money transfer service, and in another aspect, the account number might include data that identifies the taxpayer to the money transfer service.
摘要翻译：退税是通过汇款服务提供的。仅仅举个例子，纳税人（或税务准备员）可以向IRS提供银行的帐号，作为与纳税申报有关的直接存款退款的目标。一方面，帐号可能具有通知银行退款是由汇款服务处理的特定格式，另一方面，帐号可能包括识别纳税人到汇款服务的数据。

7. 发明申请

WO2011002619A1 TRANSACTIONS WITH IMAGING ANALYSIS 审中-公开
标题翻译：与成像分析的交易
公开(公告)号：WO2011002619A1
公开(公告)日：2011-01-06
申请号：PCT/US2010/039243
申请日：2010-06-18
申请人： THE WESTERN UNION COMPANY , PAINTIN, Scott
发明人： PAINTIN, Scott
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G01N24/08 , G06Q20/38 , G06Q20/40
摘要： A money transfer system with imaging. The system includes a first money transfer terminal and an imaging device. The imaging device is configured to acquire a first set of imaging information of a user. The system also includes a host computer system, configured to receive at least a portion of the first set of financial transaction information and at least a portion of the first set of imaging information. The system also includes a previous transaction database, an external database, and a decision maker terminal. The system also includes a second money transfer terminal and a second imaging device. The second imaging device is configured to acquire a second set of imaging information of the second user.
摘要翻译：具有成像的汇款系统。该系统包括第一汇款终端和成像装置。成像装置被配置为获取用户的第一组成像信息。该系统还包括主计算机系统，其被配置为接收第一组金融交易信息的至少一部分和第一组成像信息的至少一部分。该系统还包括先前的交易数据库，外部数据库和决策者终端。该系统还包括第二货币兑换终端和第二成像装置。第二成像装置被配置为获取第二用户的第二组成像信息。

8. 发明申请

WO2010099103A1 CONSULAR KIOSKS AND METHODS 审中-公开
标题翻译：咨询机构和方法
公开(公告)号：WO2010099103A1
公开(公告)日：2010-09-02
申请号：PCT/US2010/025039
申请日：2010-02-23
申请人： THE WESTERN UNION COMPANY , FLOREZ, Miguel
发明人： FLOREZ, Miguel
IPC分类号： G06Q20/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/18 , G06Q20/208 , G06Q40/02
摘要： The invention provides various systems and methods for implementing electronic transfers with government consulates. The method includes presenting an interface terminal to a customer, wherein the interface terminal is configured to receive input from the customer, and receiving, via the interface terminal, a selection of a country's consulate. The method further includes receiving, via the interface terminal, a consulate service type selection, and receiving, at an input device, documentation necessary to complete the selected service type. Furthermore, the method includes receiving, via the interface terminal, a payment for the selected service, and transmitting to the selected country's consulate the service type selection, the documents, and the payment to the selected consulate.
摘要翻译：本发明提供了与政府领事馆实施电子转帐的各种系统和方法。该方法包括向客户呈现接口终端，其中接口终端被配置为从客户接收输入，并且经由接口终端接收国家领事馆的选择。该方法还包括经由接口终端接收领事服务类型选择，以及在输入设备处接收完成所选服务类型所需的文档。此外，该方法包括经由接口终端接收所选择的服务的支付，以及向所选国家的领事馆发送服务类型选择，文档和对所选领事馆的支付。

9. 发明申请

WO2009097026A1 CONSUMER LENDING USING A MONEY TRANSFER NETWORK SYSTEMS AND METHODS 审中-公开
标题翻译：消费者贷款使用货币转移网络系统和方法
公开(公告)号：WO2009097026A1
公开(公告)日：2009-08-06
申请号：PCT/US2008/078766
申请日：2008-10-03
申请人： THE WESTERN UNION COMPANY , CHU, Lau Kam , WA, Cheung Pik , CHU, Yung Miu , DAVIS, Stuart
发明人： CHU, Lau Kam , WA, Cheung Pik , CHU, Yung Miu , DAVIS, Stuart
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q40/025
摘要： A method of lending money includes receiving a loan application from a consumer. The consumer is a prior customer of a money transfer service provider. The method includes using information indicative of the consumer's prior service usage provided by or through the money transfer service provider to approve the loan application. The method further includes using a money transfer network to provide loan proceeds to the consumer or designee of the consumer and/or transfer loan payments associated with the loan application. In some embodiments, using information indicative of the consumer's prior service usage provided by or through the money transfer service provider to approve the loan application includes approving the loan in absence of a credit report on the consumer. The method also may include using the consumer's usage history of pre-paid accounts serviced by the money transfer service provider to approve the loan application.
摘要翻译：贷款的方法包括从消费者那里收到贷款申请。消费者是汇款服务提供商的先前客户。该方法包括使用指示消费者的先前服务使用的信息，由或通过汇款服务提供商提供以批准贷款申请。该方法还包括使用汇款网络向消费者或消费者的指定人提供贷款收益和/或与贷款申请相关联的转移贷款支付。在一些实施例中，使用由货币转移服务提供商提供的或通过汇款服务提供商提供的消费者先前服务使用的信息来批准贷款申请包括在没有消费者的信用报告的情况下批准贷款。该方法还可以包括使用消费者由汇款服务提供商服务的预付账户的使用历史来批准贷款申请。

10. 发明申请

WO2009042434A1 BILL PAYMENT AGGREGATION SERVICE 审中-公开
标题翻译：付款汇总服务
公开(公告)号：WO2009042434A1
公开(公告)日：2009-04-02
申请号：PCT/US2008/076400
申请日：2008-09-15
申请人： THE WESTERN UNION COMPANY , PAINTIN, Scott
发明人： PAINTIN, Scott
IPC分类号： G06Q40/00
CPC分类号： G06Q20/14 , G06Q20/02 , G06Q20/102 , G06Q30/04
摘要： Tools for providing bill aggregation and/or payment services. In an aspect, such tools aggregate all payments over a given period of time, allowing a user to make a single payment to ensure that all appropriate bills are paid in timely fashion. In another aspect, the tools determine, without requiring user input, an amount due on each bill, as well, in some cases, of a due date for each payment. Optionally, the tools can provide a consolidated statement to inform the user of payments to be made over a given period. Such statements can provide a varying level of detail, depending on the implementation and/or on user preferences. In some cases, a consolidated statement might provide line items and/or detailed support for each payment to be made. In other cases, the consolidated statement might simply provide a single consolidated payment amount.
摘要翻译：用于提供账单汇总和/或支付服务的工具。一方面，此类工具可以在一段给定的时间内汇总所有付款，从而允许用户进行单笔付款，以确保及时支付所有适用的账单。在另一方面，这些工具在不需要用户输入的情况下确定每个帐单的到期金额，以及在某些情况下，每笔付款的到期日。可选地，这些工具可以提供合并声明来通知用户在给定时间段内进行的付款。这样的语句可以根据实现和/或用户偏好提供不同程度的细节。在某些情况下，合并报表可能会为每笔付款提供订单项和/或详细支持。在其他情况下，合并报表可能只是提供单一合并支付金额。

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