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1. 发明申请

US20130006861A1 Verification of a Financial Instrument Allowing Rules-Based Pre-Acceptance Use of the Financial Instrument 审中-公开
标题翻译：验证金融工具允许基于规则的预先接受使用金融工具
公开(公告)号：US20130006861A1
公开(公告)日：2013-01-03
申请号：US13538679
申请日：2012-06-29
申请人： Randal A. McCoy , James G. Magers
发明人： Randal A. McCoy , James G. Magers
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10
摘要： A method of verifying authority of a customer to use a financial instrument, includes initiating one or more transactions using a financial instrument identified by a customer. One or more attributes of the initiated one or more transactions are stored. A determination is made as to whether or not a further financial transaction using the identified financial instrument, requested by the customer prior to acceptance of the use of the financial instrument, complies with pre-acceptance transaction rules. The further transaction is initiated only if it is determined to comply with the pre-acceptance transaction rules. One or more proffered attributes are received, typically from the customer. The received proffered attributes are compared to the stored attributes. Use of the financial instrument by the customer is then accepted if the received proffered attributes correspond to the stored attributes.
摘要翻译：验证客户使用金融工具的权限的方法包括使用客户识别的金融工具启动一个或多个交易。存储发起的一个或多个事务的一个或多个属性。确定在接受使用金融工具之前，客户要求的所识别的金融工具的进一步金融交易是否符合预先接受交易规则。仅当确定符合预先接受交易规则时才启动进一步的交易。收到一个或多个提供的属性，通常来自客户。将接收到的提供的属性与存储的属性进行比较。如果接收到的提供的属性对应于存储的属性，则接受客户使用金融工具。

2. 发明授权

US07395243B1 Technique for presenting matched billers to a consumer 失效
标题翻译：向消费者呈现匹配的广告者的技术
公开(公告)号：US07395243B1
公开(公告)日：2008-07-01
申请号：US10285662
申请日：2002-11-01
申请人： William D. Zielke , John J. Frech , Teri W. Bemis , Donald K. Hobday, Jr. , Mark T. Harris , Hans D. Dreyer , Randal A. McCoy
发明人： William D. Zielke , John J. Frech , Teri W. Bemis , Donald K. Hobday, Jr. , Mark T. Harris , Hans D. Dreyer , Randal A. McCoy
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/10 , G06Q20/102
摘要： A technique for identifying a consumer's electronic billers in which the consumer does not identify billers is provided. The consumer transmits, from a consumer station, a request for a service provider to identify his or her electronic billers. This request includes information identifying the consumer, but excludes any information identifying any biller. In response to the transmitted request, the consumer receives, at the consumer station, a listing of one or more electronic billers of the consumer. That is, these are electronic billers with which the consumer has a relationship. Also, the consumer has not previously requested to the service provider to electronically present bills of any of the electronic billers included in the listing.
摘要翻译：提供了一种用于识别消费者不识别用户的电子帐户的技术。消费者从消费者站传送服务提供商的请求以识别他或她的电子帐户。该请求包括识别消费者的信息，但不包括任何识别任何收件人的信息。响应于所发送的请求，消费者在消费者站处接收消费者的一个或多个电子账户的列表。也就是说，这些是与消费者有关系的电子商人。此外，消费者以前没有要求服务提供商以电子方式提供包含在列表中的任何电子帐户的账单。

3. 发明授权

US07644036B2 Credit card supported electronic payments 失效
标题翻译：信用卡支持电子支付
公开(公告)号：US07644036B2
公开(公告)日：2010-01-05
申请号：US11479393
申请日：2006-06-30
申请人： Randal A. McCoy , Peter J. Kight , David E. Torgerson , Casey W. Kozee
发明人： Randal A. McCoy , Peter J. Kight , David E. Torgerson , Casey W. Kozee
IPC分类号： G06Q40/00
CPC分类号： G07F7/08 , G06Q20/02 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/227 , G06Q20/24 , G06Q20/40 , G06Q20/4037 , G06Q30/04 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A payment service provider receives a request to pay a payee on behalf of a payor and determines, responsive to the received request, that the payee will not accept the requested payment via a charge to a credit card account of the payor with a credit card issuer. The payor wishes to fund the requested payment from the credit card account. Accordingly, the payment service provider transmits, to the credit card issuer, account information identifying the credit card account and payment information representing the requested payment for inclusion in a credit card statement of the credit card issuer to the payor for the credit card account. However, the payment service provider directs the requested payment to the payee on behalf of the payor from a payment account other than the credit card account.
摘要翻译：支付服务提供者收到代表付款人支付收款人的请求，并根据收到的请求确定收款人将不会通过信用卡发行商向付款人的信用卡账户收取费用而接受所请求的付款。付款人希望从信用卡账户中支付所要求的款项。相应地，支付服务提供者向信用卡发行者发送识别信用卡账户的帐户信息和表示所请求的支付信息的支付信息，以将其包含在信用卡发行者的信用卡对账单中，以向信用卡账户的付款人发送。然而，支付服务提供商代表付款人从除了信用卡账户之外的支付账户指示所请求的付款。

4. 发明授权

US07526448B2 Matching consumers with billers having bills available for electronic presentment 有权
标题翻译：匹配消费者与具有可用于电子演示的帐单的帐单
公开(公告)号：US07526448B2
公开(公告)日：2009-04-28
申请号：US10285706
申请日：2002-11-01
申请人： William D. Zielke , John J Frech , Teri W. Bemis , Randal A. McCoy , Peter Moenickheim , John Alfred Brothers, II , Cheryl L. Ward , Richard A. Stratton , Casey W. Kozee , William R. McMichael, Jr.
发明人： William D. Zielke , John J Frech , Teri W. Bemis , Randal A. McCoy , Peter Moenickheim , John Alfred Brothers, II , Cheryl L. Ward , Richard A. Stratton , Casey W. Kozee , William R. McMichael, Jr.
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102 , G07F7/00
摘要： A technique for identifying electronic billers of a consumer whose bills are available by electronic presentment is provided. A request to identify electronic billers of the consumer is received. This request includes information that identifies the consumer, but excludes any information identifying any biller, electronic or not, of the consumer. From this information that does not identify any biller of the consumer, one more candidate electronic billers of the consumer are identified. Then, a positive determination is made that at least one of these candidate electronic billers is definitely an electronic biller of the consumer. Thus, electronic billers of the consumer are identified without the consumer identifying any biller.
摘要翻译：提供一种用于识别通过电子呈现可获得票据的消费者的电子账单的技术。接收到识别消费者的电子帐户的请求。该请求包括识别消费者的信息，但不包括识别消费者的电子或非电子邮件的任何信息的信息。从不识别消费者的任何消费者的信息，识别出一个以上的消费者的候选电子广告者。然后，肯定地确定这些候选电子报纸器中的至少一个绝对是消费者的电子报价器。因此，消费者的电子帐户被识别，而消费者没有识别任何账单。

5. 发明授权

US5649116A Integrated decision management system 失效
标题翻译：综合决策管理系统
公开(公告)号：US5649116A
公开(公告)日：1997-07-15
申请号：US415231
申请日：1995-03-30
申请人： Randal A. McCoy , Beverly Kennedy
发明人： Randal A. McCoy , Beverly Kennedy
IPC分类号： G06Q20/40 , G07F7/08 , G06G7/52
CPC分类号： G07F7/08 , G06Q20/4016 , G06Q20/4037 , G06Q20/405 , G06Q40/025 , G06Q40/08
摘要： A computer-based system for managing risk among a plurality of accounts, each account having an associated account exposure, has a means for submitting a transaction to a selected account of a plurality of related accounts and a monitoring means, responsive to the submitting means, for determining a combined exposure of the plurality of related accounts associated with the selected account that would result from the submission of a transaction. A means, responsive to the monitoring means, is provided for authorizing the transaction when the combined exposure determined by the monitoring means is less than a first predetermined limit and for denying a submitted transaction when the combined exposure would exceed the first predetermined limit if the transaction were to be authorized. A means is provided for alerting a first officer when the combined exposure determined by the monitoring means would exceed a second predetermined limit if the transaction were to be authorized. A means is also provided for receiving from the first officer an authorization indicia to the authorizing means and for causing, upon the authorizing means receiving the indicia, the authorizing means to authorize a previously denied transaction. Means are also provided to assess charges for the use of daylight overdraft funds.
摘要翻译：一种用于管理多个帐户中的风险的基于计算机的系统，每个帐户具有相关联的帐户曝光，具有将交易提交到多个相关账户的选定帐户的手段以及响应于所述提交装置的监视装置，用于确定与所选择的帐户相关联的多个相关账户的组合风险，这些账户将由于交易的提交而产生。当监视装置确定的组合曝光小于第一预定限度时，提供响应于监视装置的手段，用于授权交易，并且当组合曝光超过第一预定限度时拒绝提交的交易，如果交易被授权。当交易被授权时，如果由监视装置确定的组合曝光超过第二预定限制，则提供一种手段来提醒警务人员。还提供了一种手段，用于从所述副驾驶接收授权标记给所述授权装置，并且在所述授权装置接收所述标记时使所述授权装置授权先前被拒绝的交易。还提供手段来评估使用日光透支资金的费用。

6. 发明申请

US20100100467A1 CREDIT CARD SUPPORTED ELECTRONIC PAYMENT 有权
标题翻译：信用卡支持电子支付
公开(公告)号：US20100100467A1
公开(公告)日：2010-04-22
申请号：US12650074
申请日：2009-12-30
申请人： Randal A. McCoy , Peter J. Kight , David E. Torgerson , Casey W. Kozee
发明人： Randal A. McCoy , Peter J. Kight , David E. Torgerson , Casey W. Kozee
IPC分类号： G06Q20/00 , G06Q30/00 , G06Q40/00
CPC分类号： G07F7/08 , G06Q20/02 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/227 , G06Q20/24 , G06Q20/40 , G06Q20/4037 , G06Q30/04 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A payment service provider receives a request to pay a payee on behalf of a payor and determines, responsive to the received request, that the payee will not accept the requested payment via a charge to a credit card account of the payor with a credit card issuer. The payor wishes to fund the requested payment from the credit card account. Accordingly, the payment service provider transmits, to the credit card issuer, account information identifying the credit card account and payment information representing the requested payment for inclusion in a credit card statement of the credit card issuer to the payor for the credit card account. However, the payment service provider directs the requested payment to the payee on behalf of the payor from a payment account other than the credit card account.
摘要翻译：支付服务提供者收到代表付款人支付收款人的请求，并根据收到的请求确定收款人将不会通过信用卡发行商向付款人的信用卡账户收取费用而接受所请求的付款。付款人希望从信用卡账户中支付所要求的款项。相应地，支付服务提供者向信用卡发行者发送识别信用卡账户的帐户信息和表示所请求的支付信息的支付信息，以将其包含在信用卡发行者的信用卡对账单中，以向信用卡账户的付款人发送。然而，支付服务提供商代表付款人从除了信用卡账户之外的支付账户指示所请求的付款。

7. 发明授权

US08332317B1 Verification of a financial instrument allowing rules-based pre-acceptance use of the financial instrument 有权
标题翻译：验证允许基于规则的预先接受使用金融工具的金融工具
公开(公告)号：US08332317B1
公开(公告)日：2012-12-11
申请号：US10284448
申请日：2002-10-31
申请人： Randal A. McCoy , James G. Magers
发明人： Randal A. McCoy , James G. Magers
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10
摘要： A method of verifying authority of a customer to use a financial instrument, includes initiating one or more transactions using a financial instrument identified by a customer. One or more attributes of the initiated one or more transactions are stored. A determination is made as to whether or not a further financial transaction using the identified financial instrument, requested by the customer prior to acceptance of the use of the financial instrument, complies with pre-acceptance transaction rules. The further transaction is initiated only if it is determined to comply with the pre-acceptance transaction rules. One or more proffered attributes are received, typically from the customer. The received proffered attributes are compared to the stored attributes. Use of the financial instrument by the customer is then accepted if the received proffered attributes correspond to the stored attributes.
摘要翻译：验证客户使用金融工具的权限的方法包括使用客户识别的金融工具启动一个或多个交易。存储发起的一个或多个事务的一个或多个属性。确定在接受使用金融工具之前，客户要求的所识别的金融工具的进一步金融交易是否符合预先接受交易规则。仅当确定符合预先接受交易规则时才启动进一步的交易。收到一个或多个提供的属性，通常来自客户。将接收到的提供的属性与存储的属性进行比较。如果接收到的提供的属性对应于存储的属性，则接受客户使用金融工具。

8. 发明授权

US08005754B2 Credit card supported electronic payment 有权
标题翻译：信用卡支持电子支付
公开(公告)号：US08005754B2
公开(公告)日：2011-08-23
申请号：US12650074
申请日：2009-12-30
申请人： Randal A. McCoy , Peter J. Kight , David E. Torgerson , Casey W. Kozee
发明人： Randal A. McCoy , Peter J. Kight , David E. Torgerson , Casey W. Kozee
IPC分类号： G06Q40/00
CPC分类号： G07F7/08 , G06Q20/02 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/227 , G06Q20/24 , G06Q20/40 , G06Q20/4037 , G06Q30/04 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A payment service provider receives a request to pay a payee on behalf of a payor and determines, responsive to the received request, that the payee will not accept the requested payment via a charge to a credit card account of the payor with a credit card issuer. The payor wishes to fund the requested payment from the credit card account. Accordingly, the payment service provider transmits, to the credit card issuer, account information identifying the credit card account and payment information representing the requested payment for inclusion in a credit card statement of the credit card issuer to the payor for the credit card account. However, the payment service provider directs the requested payment to the payee on behalf of the payor from a payment account other than the credit card account.
摘要翻译：支付服务提供者收到代表付款人支付收款人的请求，并根据收到的请求确定收款人将不会通过信用卡发行商向付款人的信用卡账户收取费用而接受所请求的付款。付款人希望从信用卡账户中支付所要求的款项。相应地，支付服务提供者向信用卡发行者发送识别信用卡账户的帐户信息和表示所请求的支付信息的支付信息，以将其包含在信用卡发行者的信用卡对账单中，以向信用卡账户的付款人发送。然而，支付服务提供商代表付款人从除了信用卡账户之外的支付账户指示所请求的付款。

9. 发明授权

US06932268B1 Dual mode credit card based payment technique 失效
标题翻译：双模式信用卡支付技术
公开(公告)号：US06932268B1
公开(公告)日：2005-08-23
申请号：US10608419
申请日：2003-06-30
申请人： Randal A. McCoy , Peter J. Kight , David E. Torgerson , Casey W. Kozee
发明人： Randal A. McCoy , Peter J. Kight , David E. Torgerson , Casey W. Kozee
IPC分类号： G06K5/00 , G06Q20/00 , G07F7/08
CPC分类号： G07F7/08 , G06Q20/02 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/227 , G06Q20/24 , G06Q20/40 , G06Q20/4037 , G06Q30/04 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A technique for directing a credit card based payment to a payee for a payor having a credit card issued by a credit card issuer is provided. A request for a payment service provider to make a payment to the payee on behalf of the payor is received. Payment information associated with the payment request is sent to the credit card issuer. The information is not sent via a credit card network. The credit card issuer then sends funds to the payment service provider in response to the sent payment information. These funds are not sent via a credit card network. The payment service provider delivers funds to the payee, not the credit card issuer.
摘要翻译：提供了一种用于将信用卡支付指示给具有由信用卡发行者发行的信用卡的付款人的收款人的技术。收到付款服务提供商代表付款人向收款人付款的请求。与付款请求相关联的付款信息被发送到信用卡发卡机构。信息不是通过信用卡网络发送的。然后，信用卡发卡机构根据发送的支付信息向支付服务提供商发送资金。这些资金不是通过信用卡网络发送的。支付服务提供商向收款人提供资金，而不是信用卡发行商。

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