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1. 发明申请

US20110178897A1 SYSTEMS AND METHODS FOR PROCESSING INCOMPLETE TRANSACTIONS OVER A NETWORK 审中-公开
标题翻译：用于处理网络中不完整交易的系统和方法
公开(公告)号：US20110178897A1
公开(公告)日：2011-07-21
申请号：US12690748
申请日：2010-01-20
申请人： Girish Balasubramanian , Jonathan Douglas Mann , Tejas Arvindbhai Kotecha , Mark J. Boyd
发明人： Girish Balasubramanian , Jonathan Douglas Mann , Tejas Arvindbhai Kotecha , Mark J. Boyd
IPC分类号： G06Q30/00 , G06Q10/00 , G06Q20/00 , G06F15/16 , G06F3/01
CPC分类号： G06Q30/06 , G06Q20/12 , G06Q30/04 , G06Q30/0641 , G06Q40/12
摘要： In accordance with one or more embodiments of the present disclosure, a system and method for facilitating electronic commerce over a network includes communicating with a user via a user device and a merchant via a merchant device over the network, storing an incomplete purchase transaction between the user and the merchant, generating a portable checkout link to the incomplete purchase transaction, providing the portable checkout link to the user over the network, allowing the user to select the incomplete purchase transaction for processing, and processing the incomplete purchase transaction upon user selection. The system and method may include notifying the user of the incomplete purchase transaction over the network.
摘要翻译：根据本公开的一个或多个实施例，用于促进网络上的电子商务的系统和方法包括经由用户设备和商家通过网络经由商家设备与用户通信，将不完整的购买交易存储在生成到不完全购买交易的便携式结帐链接，通过网络向用户提供便携式结账链接，允许用户选择不完全购买交易进行处理，以及在用户选择时处理不完全购买交易。系统和方法可以包括通过网络通知用户不完整的购买交易。

2. 发明申请

US20100280944A1 PAPERLESS CHECKING TRANSACTIONS 审中-公开
标题翻译：无纸检查交易
公开(公告)号：US20100280944A1
公开(公告)日：2010-11-04
申请号：US12433800
申请日：2009-04-30
申请人： Gak Wee Low , Lu Hua , Tejas Arvindbhai Kotecha , Nitin Kulshrestha
发明人： Gak Wee Low , Lu Hua , Tejas Arvindbhai Kotecha , Nitin Kulshrestha
IPC分类号： G06Q40/00
CPC分类号： G06Q20/14 , G06Q20/102 , G06Q40/02
摘要： According to one embodiment, a user logs into a bank account and access a bill payment service through the bank. The user enters a recipient's email address and an amount to be transferred from the user's account to the recipient. The bill payment service transfers the amount to a payment provider, who then transfers the amount to the recipient if the recipient has an account with the payment provider. As a result, recipients who are not part of a bill payment service can quickly receive payments, and users can make quickly and easily payments to recipients who are not part of a bill payment service by simply entering an email address and payment amount.
摘要翻译：根据一个实施例，用户登录银行账户并通过银行访问账单支付服务。用户输入收件人的电子邮件地址以及从用户帐户转移给收件人的金额。帐单支付服务将金额转移给支付提供商，然后，如果收款人具有与支付提供商的帐户，则付款提供商然后将该金额转移给收件人。因此，不是帐单支付服务的收件人可以快速收到付款，用户可以通过简单地输入电子邮件地址和付款金额快速轻松地向不是帐单支付服务一部分的收件人付款。

3. 发明授权

US07860772B2 Funding on-line accounts 有权
标题翻译：资助在线账户
公开(公告)号：US07860772B2
公开(公告)日：2010-12-28
申请号：US12241688
申请日：2008-09-30
申请人： Gak-Wee Low , Tejas Arvindbhai Kotecha , Salil Mody
发明人： Gak-Wee Low , Tejas Arvindbhai Kotecha , Salil Mody
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/105 , G06Q20/108 , G06Q20/206 , G06Q20/367 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： A system generates an identifier when a consumer deposits cash, where a new unique identifier is generated with each transaction. The consumer receives the identifier and the identifier (along with the amount of cash deposit) is communicated to a payment provider for storage. The consumer may then access and fund an on-line account with the financial services provider by first accessing the account and entering the unique character identifier, which the system processes. If the identifier is valid, e.g., an actual stored identifier within the system associated with a cash amount, then the system transfers that amount to the consumer's account. At this point, the consumer may use the account to make an on-line transaction or purchase with the newly funded amount.
摘要翻译：当消费者存放现金时，系统生成标识符，其中每个交易都生成新的唯一标识符。消费者接收标识符，并将标识符（以及现金存款金额）传送给支付提供商进行存储。消费者然后可以通过首先访问帐户并输入系统处理的唯一字符标识符来访问和向金融服务提供商提供在线帐户。如果标识符有效，例如系统中与现金金额相关联的实际存储的标识符，则系统将该金额转移给消费者的账户。在这一点上，消费者可以使用该账户进行在线交易或购买新资金。

4. 发明申请

US20100082468A1 FUNDING ON-LINE ACCOUNTS 有权
标题翻译：资金在线账户
公开(公告)号：US20100082468A1
公开(公告)日：2010-04-01
申请号：US12241688
申请日：2008-09-30
申请人： Gak-Wee Low , Tejas Arvindbhai Kotecha , Salil Mody
发明人： Gak-Wee Low , Tejas Arvindbhai Kotecha , Salil Mody
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/105 , G06Q20/108 , G06Q20/206 , G06Q20/367 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： A system generates an identifier when a consumer deposits cash, where a new unique identifier is generated with each transaction. The consumer receives the identifier and the identifier (along with the amount of cash deposit) is communicated to a payment provider for storage. The consumer may then access and fund an on-line account with the financial services provider by first accessing the account and entering the unique character identifier, which the system processes. If the identifier is valid, e.g., an actual stored identifier within the system associated with a cash amount, then the system transfers that amount to the consumer's account. At this point, the consumer may use the account to make an on-line transaction or purchase with the newly funded amount.
摘要翻译：当消费者存放现金时，系统生成标识符，其中每个交易都生成新的唯一标识符。消费者接收标识符，并将标识符（以及现金存款金额）传送给支付提供商进行存储。消费者然后可以通过首先访问帐户并输入系统处理的唯一字符标识符来访问和向金融服务提供商提供在线帐户。如果标识符有效，例如系统中与现金金额相关联的实际存储的标识符，则系统将该金额转移给消费者的账户。在这一点上，消费者可以使用该账户进行在线交易或购买新资金。

5. 发明申请

US20110087597A1 FUNDING ON-LINE ACCOUNTS 审中-公开
标题翻译：资金在线账户
公开(公告)号：US20110087597A1
公开(公告)日：2011-04-14
申请号：US12969349
申请日：2010-12-15
申请人： Gak Wee Low , Tejas Arvindbhai Kotecha , Salil Mody
发明人： Gak Wee Low , Tejas Arvindbhai Kotecha , Salil Mody
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/105 , G06Q20/108 , G06Q20/206 , G06Q20/367 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： A system generates an identifier when a consumer deposits cash, where a new unique identifier is generated with each transaction. The consumer receives the identifier and the identifier (along with the amount of cash deposit) is communicated to a payment provider for storage. The consumer may then access and fund an on-line account with the financial services provider by first accessing the account and entering the unique character identifier, which the system processes. If the identifier is valid, e.g., an actual stored identifier within the system associated with a cash amount, then the system transfers that amount to the consumer's account. At this point, the consumer may use the account to make an on-line transaction or purchase with the newly funded amount.
摘要翻译：当消费者存放现金时，系统生成标识符，其中每个交易都生成新的唯一标识符。消费者接收标识符，并将标识符（以及现金存款金额）传送给支付提供商进行存储。消费者然后可以通过首先访问帐户并输入系统处理的唯一字符标识符来访问和向金融服务提供商提供在线帐户。如果标识符有效，例如系统中与现金金额相关联的实际存储的标识符，则系统将该金额转移给消费者的账户。在这一点上，消费者可以使用该账户进行在线交易或购买新资金。

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