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1. 发明申请

US20120215697A1 METHOD AND SYSTEM FOR FACILITATING ONLINE PAYMENTS BASED ON AN ESTABLISHED PAYMENT AGREEMENT 有权
标题翻译：基于已建立的付款协议促进在线支付的方法和系统
公开(公告)号：US20120215697A1
公开(公告)日：2012-08-23
申请号：US13458855
申请日：2012-04-27
申请人： Hugo Olliphant , Franck Chastagnol , Yi-Ling Su , William Wu , Chris Brown , Thach Dang , Thomas Veino , Carol Gunby , Peter Chu , Steve Chen
发明人： Hugo Olliphant , Franck Chastagnol , Yi-Ling Su , William Wu , Chris Brown , Thach Dang , Thomas Veino , Carol Gunby , Peter Chu , Steve Chen
IPC分类号： G06Q20/40
CPC分类号： G06Q20/405 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q40/00
摘要： A method and system for facilitating online payments are disclosed. According to one aspect of the present invention, a payment agreement is established at a payment service provider that defines terms of a payment relationship between a merchant and a user. The establishing of the payment agreement includes linking the payment agreement with a payment account of the merchant or user stored at the payment service provider. After establishing the payment agreement, a payment request associated with a transaction is received, whereby the payment request includes a unique identifier to identify the payment agreement stored at the payment service provider. Based on a verification that the payment request complies with terms of the payment agreement, the payment request is processed.
摘要翻译：公开了用于促进在线支付的方法和系统。根据本发明的一个方面，在定义商家和用户之间的支付关系的条款的支付服务提供商处建立支付协议。支付协议的建立包括将支付协议与存储在支付服务提供商处的商家或用户的支付账户相连接。在建立支付协议之后，接收与交易相关联的支付请求，由此支付请求包括用于识别存储在支付服务提供商处的支付协议的唯一标识符。根据支付请求符合付款协议条款的验证，处理付款请求。

2. 发明授权

US08175938B2 Method and system for facilitating merchant-initiated online payments 有权
标题翻译：用于促进商家发起的在线支付的方法和系统
公开(公告)号：US08175938B2
公开(公告)日：2012-05-08
申请号：US10873704
申请日：2004-06-21
申请人： Hugo Olliphant , Franck Chastagnol , Yi-Ling Su , William Wu , Chris Brown , Thach Dang , Thomas Veino , Carol Gunby , Peter Chu , Steve Chen
发明人： Hugo Olliphant , Franck Chastagnol , Yi-Ling Su , William Wu , Chris Brown , Thach Dang , Thomas Veino , Carol Gunby , Peter Chu , Steve Chen
IPC分类号： G06Q40/00
CPC分类号： G06Q20/405 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q40/00
摘要： A method and system for facilitating merchant-initiated online payments are disclosed. According to one aspect of the present invention, a payment service provider's server receives a user's request, via a merchant's server, to establish a merchant-initiated payment relationship or agreement. Accordingly, the payment service provider presents the user with options to customize the terms of the merchant-initiated payment agreement. After the agreement has been established and the terms customized, the merchant server communicates a merchant-initiated payment request to the pavement service provider for a transaction entered into with the user. The payment service provider's server processes the payment request after verifying that processing the payment does not exceed the user-customized terms of the agreement.
摘要翻译：公开了用于促进商家发起的在线支付的方法和系统。根据本发明的一个方面，支付服务提供商的服务器通过商家的服务器接收用户的请求，以建立由商家发起的支付关系或协议。因此，支付服务提供商向用户呈现定制商家发起的支付协议的条款的选项。在协议已经建立并且定制的条款之后，商家服务器将商家发起的支付请求传达到支付服务提供商以进行用户的交易。付款服务提供商的服务器在验证处理付款不超过协议的用户自定义条款之后处理付款请求。

3. 发明申请

US20050228750A1 Method and system for facilitating merchant-initiated online payments 有权
标题翻译：用于促进商家发起的在线支付的方法和系统
公开(公告)号：US20050228750A1
公开(公告)日：2005-10-13
申请号：US10873704
申请日：2004-06-21
申请人： Hugo Olliphant , Franck Chastagnol , Yi-Ling Su , William Wu , Chris Brown , Thach Dang , Thomas Veino , Carol Gunby , Peter Chu , Steve Chen
发明人： Hugo Olliphant , Franck Chastagnol , Yi-Ling Su , William Wu , Chris Brown , Thach Dang , Thomas Veino , Carol Gunby , Peter Chu , Steve Chen
IPC分类号： G06Q20/00 , G06F17/60
CPC分类号： G06Q20/405 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q40/00
摘要： A method and system for facilitating merchant-initiated online payments are disclosed. According to one aspect of the present invention, a payment service provider's server receives a user's request, via a merchant's server, to establish a merchant-initiated payment relationship or agreement. Accordingly, the payment service provider presents the user with options to customize the terms of the merchant-initiated payment agreement. After the agreement has been established and the terms customized, the merchant server communicates a merchant-initiated payment request to the pavement service provider for a transaction entered into with the user. The payment service provider's server processes the payment request after verifying that processing the payment does not exceed the user-customized terms of the agreement.
摘要翻译：公开了用于促进商家发起的在线支付的方法和系统。根据本发明的一个方面，支付服务提供商的服务器通过商家的服务器接收用户的请求，以建立由商家发起的支付关系或协议。因此，支付服务提供商向用户呈现定制商家发起的支付协议的条款的选项。在协议已经建立并且定制的条款之后，商家服务器将商家发起的支付请求传达到支付服务提供商以进行用户的交易。付款服务提供商的服务器在验证处理付款不超过协议的用户自定义条款之后处理付款请求。

4. 发明授权

US09317841B2 Method and system for facilitating online payments based on an established payment agreement 有权
标题翻译：基于既定支付协议促进在线支付的方法和系统
公开(公告)号：US09317841B2
公开(公告)日：2016-04-19
申请号：US13458855
申请日：2012-04-27
申请人： Hugo Olliphant , Franck Chastagnol , Yi-Ling Su , William Wu , Chris Brown , Thach Dang , Thomas Veino , Carol Gunby , Peter Chu , Steve Chen
发明人： Hugo Olliphant , Franck Chastagnol , Yi-Ling Su , William Wu , Chris Brown , Thach Dang , Thomas Veino , Carol Gunby , Peter Chu , Steve Chen
IPC分类号： G06Q40/00 , G06Q20/02 , G06Q20/10 , G06Q20/12
CPC分类号： G06Q20/405 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q40/00
摘要： A method and system for facilitating online payments are disclosed. According to one aspect of the present invention, a payment agreement is established at a payment service provider that defines terms of a payment relationship between a merchant and a user. The establishing of the payment agreement includes linking the payment agreement with a payment account of the merchant or user stored at the payment service provider. After establishing the payment agreement, a payment request associated with a transaction is received, whereby the payment request includes a unique identifier to identify the payment agreement stored at the payment service provider. Based on a verification that the payment request complies with terms of the payment agreement, the payment request is processed.
摘要翻译：公开了用于促进在线支付的方法和系统。根据本发明的一个方面，在定义商家和用户之间的支付关系的条款的支付服务提供商处建立支付协议。支付协议的建立包括将付款协议与存储在支付服务提供商处的商家或用户的支付帐户相连接。在建立支付协议之后，接收与交易相关联的支付请求，由此支付请求包括用于识别存储在支付服务提供商处的支付协议的唯一标识符。根据支付请求符合付款协议条款的验证，处理付款请求。

5. 发明申请

US20050165641A1 Method and system to associate a gift certificate with an email address 审中-公开
标题翻译：将礼券与电子邮件地址关联的方法和系统
公开(公告)号：US20050165641A1
公开(公告)日：2005-07-28
申请号：US10976170
申请日：2004-10-27
申请人： Peter Chu , Steven Chen , Franck Chastagnol , Aaron Lee , Hugo Olliphant , Wendy Billman
发明人： Peter Chu , Steven Chen , Franck Chastagnol , Aaron Lee , Hugo Olliphant , Wendy Billman
IPC分类号： G06Q30/00 , G06F17/60
CPC分类号： G06Q20/0457 , G06F3/0482 , G06F3/04842 , G06F17/2235 , G06Q30/02 , G06Q30/0207 , G06Q30/0241
摘要： A system and method to associate a gift certificate with an email address is useful to permit on-line merchants to provide gift certificates that may be trusted while remaining used to customers. A gift certificate is purchased on-line and associated with a recipient's e-mail address provided by the gift certificate purchaser. An e-mail message containing confirm information used to authenticate the identity of the recipient is subsequently provided. This e-mail message may be sent when the gift certificate is purchased. This e-mail message may also be sent when a printed gift certificate is redeemed. The recipient of the gift certificate returns this confirmation information to complete the authentication process of the recipient's e-mail address. All subsequent activity of related to the use of the gift certificate may be authenticated using the e-mail address once confirmed.
摘要翻译：将礼券与电子邮件地址相关联的系统和方法对于允许在线商家提供可信赖的礼品券而言仍然有用，同时还保留给客户。礼品券在线购买并与礼品购买者提供的收件人的电子邮件地址相关联。随后提供包含用于验证接收者身份的确认信息的电子邮件。当购买礼券时，可能会发送此电子邮件。当打印的礼券被赎回时，也可以发送此电子邮件。礼券的收件人返回此确认信息，以完成收件人电子邮件地址的身份验证过程。与使用礼券相关的所有后续活动可以使用一旦确认的电子邮件地址进行认证。

6. 发明申请

US20050144071A1 Method and apparatus to facilitate the electronic accumulation and redemption of a value in an account 审中-公开
标题翻译：促进电子积累和赎回账户价值的方法和设备
公开(公告)号：US20050144071A1
公开(公告)日：2005-06-30
申请号：US10871628
申请日：2004-06-17
申请人： Jay Monahan , Donald Albert , Franck Chastagnol , Peter Chu , Aaron Kwong Yue Lee , Steve Chen
发明人： Jay Monahan , Donald Albert , Franck Chastagnol , Peter Chu , Aaron Kwong Yue Lee , Steve Chen
IPC分类号： G06F20060101 , G06F17/60
CPC分类号： G06Q30/02 , G06Q30/0226
摘要： An automated system to facilitate redemption of value against a single purchase price includes a first module to allocate a first value, of a first value type, to a user within a transaction system. The first module is further to allocate a second value, of a second value type different from the first value type, to the user within the transaction system. A second module is to enable a user to redeem both the first value and the second value against a single purchase price.
摘要翻译：一种自动化系统，用于促成针对单一购买价格兑换价值的自动化系统包括将第一价值类型的第一价值分配给交易系统内的用户的第一模块。第一模块进一步将不同于第一值类型的第二值类型的第二值分配给交易系统内的用户。第二个模块是使用户能够以单一购买价格兑换第一个价值和第二个价值。

7. 发明申请

US20120271762A1 METHOD AND SYSTEM TO FACILITATE A TRANSFER OF FUNDS BETWEEN PARTIES USING A TELEPHONE-ENABLED DEVICE 审中-公开
标题翻译：使用电话启动的设备来促进双方转移资金的方法和系统
公开(公告)号：US20120271762A1
公开(公告)日：2012-10-25
申请号：US13543245
申请日：2012-07-06
申请人： 94303 Freeland , Franck Chastagnol , Hugo Olliphant , Celine Martig , Thomas Belousek , Bharathi Ramavarjula , Alex Khomenko , Kenneth Kang
发明人： 94303 Freeland , Franck Chastagnol , Hugo Olliphant , Celine Martig , Thomas Belousek , Bharathi Ramavarjula , Alex Khomenko , Kenneth Kang
IPC分类号： G06Q20/10
CPC分类号： G06Q20/10 , G06Q20/223 , G06Q20/32
摘要： A method and system utilized to receive a registration request to register a mobile telephone with a financial payment system and contact information that identifies the mobile telephone. The system generates a confirmation code responsive to receiving the contact information and communicates the confirmation code to the mobile telephone. The system further receives from the mobile telephone a request to confirm the registration, the request to confirm registration including the confirmation code; and configures the first financial account at the financial payment system to receive instructions from the mobile telephone to transfer funds on the financial payment system.
摘要翻译：一种用于接收注册请求的方法和系统，用于注册具有金融支付系统的移动电话和识别移动电话的联系信息。系统响应于接收到联系人信息而生成确认码，并将确认码传送给移动电话。该系统还从移动电话接收确认注册的请求，确认注册的请求包括确认码; 并配置财务支付系统上的第一个金融账户，以接收移动电话的指示，在金融支付系统上转账。

8. 发明申请

US20060064378A1 METHOD AND APPARATUS FOR MAINTAINING LINKED ACCOUNTS 审中-公开
标题翻译：维护联系账号的方法和装置
公开(公告)号：US20060064378A1
公开(公告)日：2006-03-23
申请号：US10946710
申请日：2004-09-21
申请人： Jeff Clementz , Franck Chastagnol , Hugo Olliphant
发明人： Jeff Clementz , Franck Chastagnol , Hugo Olliphant
IPC分类号： G06Q40/00
CPC分类号： G06Q20/227 , G06Q20/04 , G06Q20/102 , G06Q30/00
摘要： A method and apparatus for maintaining liked accounts for participants of network-based marketplaces are described. In one embodiment, a master account is maintained for a master account holder, and one or more sub-accounts linked to the master account are maintained for one or more sub-account holders. The sub-accounts are funded using at least one funding source of the master account.
摘要翻译：描述了用于维护基于网络的市场参与者的喜好帐户的方法和装置。在一个实施例中，为主账户持有人维护主帐户，并且为一个或多个子账户持有者维护与主账户相关联的一个或多个子账户。这些子科目使用至少一个主账户的资金来源资助。

9. 发明申请

US20080109369A1 Content Management System 审中-公开
标题翻译：内容管理系统
公开(公告)号：US20080109369A1
公开(公告)日：2008-05-08
申请号：US11935386
申请日：2007-11-05
申请人： Yi-Ling Su , Frey Waid , Rui Chen , Matthew Good , Franck Chastagnol , Jianliang Zhao , Zheng Liu , David King
发明人： Yi-Ling Su , Frey Waid , Rui Chen , Matthew Good , Franck Chastagnol , Jianliang Zhao , Zheng Liu , David King
IPC分类号： G06Q10/00 , G06F17/00 , G06Q30/00 , H04L9/28
CPC分类号： G06Q30/06 , G06Q10/06 , G06Q30/0273
摘要： Content rights holders provide digital content to a hosting site to be used as reference content. The content owner specifies a policy for each digital content item, indicating how that content may be used on the site when uploaded by someone other than the content owner. An identification module compares the uploaded content against reference content. If the content matches reference content, the specified policy for that reference content is applied to the uploaded content. Policy options provided by the content owner include tracking the content to see how it is viewed, preventing the content from being distributed on the site, and allowing the content to be displayed in a revenue-sharing environment. In one embodiment, if the identification module matches the uploaded content to a reference item but the match does not have a sufficiently high level of confidence, the suggested match is queued for review by the content owner.
摘要翻译：内容权利持有者将数字内容提供给托管站点以用作参考内容。内容所有者为每个数字内容项目指定一个策略，指示当由内容所有者以外的人上传时，该内容可以在该网站上使用。识别模块将上传的内容与参考内容进行比较。如果内容与参考内容相匹配，则该引用内容的指定策略将应用于上传的内容。内容所有者提供的策略选项包括跟踪内容以查看其内容，以防止在网站上分发内容，并允许内容在收益分享环境中显示。在一个实施例中，如果识别模块将上传的内容与参考项匹配，但匹配没有足够高的置信度，则建议的匹配排队等待内容所有者审查。

10. 发明申请

US20130014209A1 Content Management System 审中-公开
标题翻译：内容管理系统
公开(公告)号：US20130014209A1
公开(公告)日：2013-01-10
申请号：US13619813
申请日：2012-09-14
申请人： Franck Chastagnol , Jianliang Zhao , Rui Chen , Matthew Good , Yi-Ling Su , Frey Waid , Zheng Liu , David King
发明人： Franck Chastagnol , Jianliang Zhao , Rui Chen , Matthew Good , Yi-Ling Su , Frey Waid , Zheng Liu , David King
IPC分类号： G06F21/00
CPC分类号： G06Q30/06 , G06Q10/06 , G06Q30/0273
摘要： Content rights holders provide digital content to a hosting site to be used as reference content. The content owner specifies a policy for each digital content item, indicating how that content may be used on the site when uploaded by someone other than the content owner. An identification module compares the uploaded content against reference content. If the content matches reference content, the specified policy for that reference content is applied to the uploaded content. Policy options provided by the content owner include tracking the content to see how it is viewed, preventing the content from being distributed on the site, and allowing the content to be displayed in a revenue-sharing environment. In one embodiment, if the identification module matches the uploaded content to a reference item but the match does not have a sufficiently high level of confidence, the suggested match is queued for review by the content owner.
摘要翻译：内容权利持有者将数字内容提供给托管站点以用作参考内容。内容所有者为每个数字内容项目指定一个策略，指示当由内容所有者以外的人上传时，该内容可以在该网站上使用。识别模块将上传的内容与参考内容进行比较。如果内容与参考内容相匹配，则该引用内容的指定策略将应用于上传的内容。内容所有者提供的策略选项包括跟踪内容以查看其内容，以防止在网站上分发内容，并允许内容在收益分享环境中显示。在一个实施例中，如果识别模块将上传的内容与参考项匹配，但匹配没有足够高的置信度，则建议的匹配排队等待内容所有者审查。

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