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    • 1. 发明申请
    • Method and System for performing monetary transactions from multiple source accounts
    • 从多个来源账户进行货币交易的方法和系统
    • US20080147549A1
    • 2008-06-19
    • US11640635
    • 2006-12-18
    • Darryl T. RathbunAlexandra Mack
    • Darryl T. RathbunAlexandra Mack
    • G06Q20/00
    • G06Q20/227G06Q20/10G06Q20/102G06Q20/40G06Q40/02
    • A method and system for performing monetary transactions across multiple source accounts. The method includes the steps of: determining whether a multi-source transaction is desired or required to complete a monetary transaction; selecting the specific source accounts to be accessed and debited to perform the monetary transaction; determining the amount of funds to be withdrawn from each of the source accounts; and communicating with the source accounts to (i) access the funds and (ii) determine whether adequate funds exist in each of the source accounts to perform the monetary transaction. When summed, the funds accessed from the multi-source accounts equal the total required to perform the monetary transaction. The final steps for completing the monetary transaction include approving the monetary transaction and transferring funds from the multiple source accounts to a single destination account. The funds may be drawn from the source accounts in accordance with a predetermined percentage defined by the holder/owner of the source accounts or based upon a specific input made by the holder/owner at the time of the monetary transaction. The system employs a communication link and processor to receive the various inputs of the account holder/owner to perform the monetary transaction.
    • 跨多个来源帐户执行货币交易的方法和系统。 该方法包括以下步骤:确定是否需要或需要完成货币交易的多源交易; 选择要访问和借记的具体来源账户进行货币交易; 确定从每个来源账户中提取的资金数额; 并与源帐户进行沟通,以便(i)获取资金;(ii)确定每个源帐户中是否有足够的资金来执行货币交易。 总而言之,从多来源账户获取的资金等于执行货币交易所需的总额。 完成货币交易的最后步骤包括批准货币交易并将资金从多个来源账户转移到单个目的地账户。 资金可以根据源帐户的持有人/所有者定义的预定百分比,或根据持有人/所有者在货币交易时作出的具体输入,从源帐户中提取。 该系统采用通信链路和处理器来接收账户持有人/所有者的各种输入以执行货币交易。
    • 2. 发明授权
    • Method and system for performing monetary transactions from multiple source accounts
    • 从多个来源帐户执行货币交易的方法和系统
    • US08190518B2
    • 2012-05-29
    • US11640635
    • 2006-12-18
    • Darryl T. RathbunAlexandra Mack
    • Darryl T. RathbunAlexandra Mack
    • G06Q40/00
    • G06Q20/227G06Q20/10G06Q20/102G06Q20/40G06Q40/02
    • A method and system for performing monetary transactions across multiple source accounts. The method includes the steps of: determining whether a multi-source transaction is desired or required to complete a monetary transaction; selecting the specific source accounts to be accessed and debited to perform the monetary transaction; determining the amount of funds to be withdrawn from each of the source accounts; and communicating with the source accounts to (i) access the funds and (ii) determine whether adequate funds exist in each of the source accounts to perform the monetary transaction. When summed, the funds accessed from the multi-source accounts equal the total required to perform the monetary transaction. The final steps for completing the monetary transaction include approving the monetary transaction and transferring funds from the multiple source accounts to a single destination account. The funds may be drawn from the source accounts in accordance with a predetermined percentage defined by the holder/owner of the source accounts or based upon a specific input made by the holder/owner at the time of the monetary transaction. The system employs a communication link and processor to receive the various inputs of the account holder/owner to perform the monetary transaction.
    • 跨多个来源帐户执行货币交易的方法和系统。 该方法包括以下步骤:确定是否需要或需要完成货币交易的多源交易; 选择要访问和借记的具体来源账户进行货币交易; 确定从每个来源账户中提取的资金数额; 并与源帐户进行沟通,以便(i)获取资金;(ii)确定每个源帐户中是否有足够的资金来执行货币交易。 总而言之,从多来源账户获取的资金等于执行货币交易所需的总额。 完成货币交易的最后步骤包括批准货币交易并将资金从多个来源账户转移到单个目的地账户。 资金可以根据源帐户的持有人/所有者定义的预定百分比,或根据持有人/所有者在货币交易时作出的具体输入,从源帐户中提取。 该系统采用通信链路和处理器来接收账户持有人/所有者的各种输入以执行货币交易。