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1. 发明申请

US20110246328A1 ITEM-SPECIFIC MONEY TRANSFER METHODS AND SYSTEMS 有权
标题翻译：项目特定货币转移方法和系统
公开(公告)号：US20110246328A1
公开(公告)日：2011-10-06
申请号：US12750621
申请日：2010-03-30
申请人： Kimberly Dunwoody , Scott Paintin
发明人： Kimberly Dunwoody , Scott Paintin
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q30/00 , G06Q50/00
CPC分类号： G06Q20/405 , G06Q20/10 , G06Q20/105 , G06Q20/385 , G06Q20/40 , G06Q30/0629 , G06Q30/0631 , G06Q30/0641 , G06Q40/123
摘要： The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item.
摘要翻译：本发明提供了用于实现项目特定货币转帐的各种系统和方法。该方法包括接收项目的识别，确定商品的供应商和价格，以及从接收者接收货物转移请求以获得该商品价格的金额。汇款请求标识发件人。所述方法还包括向所述发送者发送所述汇款请求，从所述发送者接收所述货物的价格金额的汇款授权。该授权包括一个迹象表明，汇款资金仅限于该项目使用。

2. 发明授权

US08788408B2 Item-specific money transfer methods and systems 有权
标题翻译：特定项目的汇款方式和制度
公开(公告)号：US08788408B2
公开(公告)日：2014-07-22
申请号：US12750621
申请日：2010-03-30
申请人： Kimberly Dunwoody , Scott Paintin
发明人： Kimberly Dunwoody , Scott Paintin
IPC分类号： G06Q40/00
CPC分类号： G06Q20/405 , G06Q20/10 , G06Q20/105 , G06Q20/385 , G06Q20/40 , G06Q30/0629 , G06Q30/0631 , G06Q30/0641 , G06Q40/123
摘要： The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item.
摘要翻译：本发明提供了用于实现项目特定货币转帐的各种系统和方法。该方法包括接收项目的识别，确定商品的供应商和价格，以及从接收者接收货物转移请求以获得该商品价格的金额。汇款请求标识发件人。所述方法还包括向所述发送者发送所述汇款请求，从所述发送者接收所述货物的价格金额的汇款授权。该授权包括一个迹象表明，汇款资金仅限于该项目使用。

3. 发明申请

US20120078787A1 Mobile Agent Methods and Systems 审中-公开
标题翻译：移动代理方法和系统
公开(公告)号：US20120078787A1
公开(公告)日：2012-03-29
申请号：US12890296
申请日：2010-09-24
申请人： Evans Mehew , Kimberly Dunwoody
发明人： Evans Mehew , Kimberly Dunwoody
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/40
摘要： Methods and systems are described for providing financial services to a disaster area. Biographical information may be received from a disaster victim. A first image may be captured of the disaster victim's face. The first image of the disaster victim's face and the biographical information may be transmitted to a remote server system via wireless communications. The biographical information may be compared to a plurality of biographical records linked to staged financial transactions stored at the remote server system. A match between the biographical information received from the disaster victim and a biographical record of the plurality of biographical records may be identified, wherein the biographical record is linked to a staged financial transaction. An indication of an amount of funds to be distributed may be provided to the disaster victim. The funds may be provided to the disaster victim.
摘要翻译：描述了向灾区提供金融服务的方法和系统。灾害受害者可以收到传记信息。受害者脸上可能会捕获到第一张照片。灾害受害者面孔的第一张图像和传记信息可以通过无线通信传输到远程服务器系统。传记信息可以与与远程服务器系统上存储的分期金融交易链接的多个传记记录进行比较。可以识别从灾难受害者获得的传记信息与多个传记记录的传记记录之间的匹配，其中传记记录与分期的金融交易相关联。可向受害者提供要分发的资金数额。可以向灾民提供资金。

4. 发明授权

US10043180B2 System and method for secure transactions at a mobile device 有权
公开(公告)号：US10043180B2
公开(公告)日：2018-08-07
申请号：US12894858
申请日：2010-09-30
申请人： Evans Mehew , Kimberly Dunwoody , Dianna Lyons
发明人： Evans Mehew , Kimberly Dunwoody , Dianna Lyons
IPC分类号： G06Q40/00 , G06Q20/40
摘要： A system and method for conducting money transfer transactions using mobile devices includes a money transfer host computer that facilitates the collection of fingerprint data for the mobile devices and personal data for users of the mobile devices. The personal data can include a user photo. In order to enable the mobile devices, both the fingerprint data and the personal data are collected, and at least the personal data is verified. To authorize transactions at an enabled mobile device, the fingerprint data and personal data are compared to reference data, and based on the comparison and on a threshold established for the comparison, a transaction is authorized or rejected.

5. 发明申请

US20110251941A1 MONEY TRANSFER SMART PHONE METHODS AND SYSTEMS 有权
标题翻译：钱转移智能手机方法和系统
公开(公告)号：US20110251941A1
公开(公告)日：2011-10-13
申请号：US12756825
申请日：2010-04-08
申请人： Kimberly Dunwoody
发明人： Kimberly Dunwoody
IPC分类号： G06Q40/00 , G06Q50/00 , G06Q20/00
CPC分类号： G06Q20/381 , G06Q20/10 , G06Q20/223 , G06Q20/227 , G06Q20/32 , G06Q20/3221 , G06Q20/40 , G06Q40/00 , G06Q40/04
摘要： A method includes establishing a first funds transfer account associated with a first device and a second funds transfer account with a second device, funding at least the first fund account, and selecting the second device as the recipient of a funds transfer from the first device. The method further includes sending a communications link request from the first device to the second device and receiving acceptance of the communications link request from the second device. The method then establishes a communications link between the first device and the second device, initiates a funds transfer from the first device to the second device, wherein the amount is designated at the first device, and verifies the funds transfer amount, the first funds transfer account, and the second funds transfer account. Then, the method transfers the amount to the second funds transfer account associated with second device.
摘要翻译：一种方法包括建立与第一设备相关联的第一资金转移账户和具有第二设备的第二资金转账账户，至少资助第一资金账户，以及从第一设备将资金转账的接收者选择为第二设备。该方法还包括从第一设备向第二设备发送通信链路请求并从第二设备接收通信链路请求的接受。然后，该方法建立第一设备和第二设备之间的通信链路，发起从第一设备到第二设备的资金转移，其中在第一设备处指定金额，并验证资金转账金额，第一资金转账账户和第二笔资金转账账户。然后，该方法将金额转移到与第二设备相关联的第二资金转账账户。

6. 发明授权

US08458088B2 Money transfer smart phone methods and systems 有权
标题翻译：汇款智能手机方式和系统
公开(公告)号：US08458088B2
公开(公告)日：2013-06-04
申请号：US12756825
申请日：2010-04-08
申请人： Kimberly Dunwoody
发明人： Kimberly Dunwoody
IPC分类号： G06Q20/10
CPC分类号： G06Q20/381 , G06Q20/10 , G06Q20/223 , G06Q20/227 , G06Q20/32 , G06Q20/3221 , G06Q20/40 , G06Q40/00 , G06Q40/04
摘要： A method includes establishing a first funds transfer account associated with a first device and a second funds transfer account with a second device, funding at least the first fund account, and selecting the second device as the recipient of a funds transfer from the first device. The method further includes sending a communications link request from the first device to the second device and receiving acceptance of the communications link request from the second device. The method then establishes a communications link between the first device and the second device, initiates a funds transfer from the first device to the second device, wherein the amount is designated at the first device, and verifies the funds transfer amount, the first funds transfer account, and the second funds transfer account. Then, the method transfers the amount to the second funds transfer account associated with second device.
摘要翻译：一种方法包括建立与第一设备相关联的第一资金转移账户和具有第二设备的第二资金转账账户，至少资助第一资金账户，以及从第一设备将资金转账的接收者选择为第二设备。该方法还包括从第一设备向第二设备发送通信链路请求并从第二设备接收通信链路请求的接受。然后，该方法建立第一设备和第二设备之间的通信链路，发起从第一设备到第二设备的资金转移，其中在第一设备处指定金额，并验证资金转账金额，第一资金转账账户和第二笔资金转账账户。然后，该方法将金额转移到与第二设备相关联的第二资金转账账户。

7. 发明申请

US20110225067A1 FRAUD PREVENTION USING CUSTOMER AND AGENT FACING DEVICES 审中-公开
标题翻译：使用客户和代理商设备进行防伪预防
公开(公告)号：US20110225067A1
公开(公告)日：2011-09-15
申请号：US12723345
申请日：2010-03-12
申请人： Kimberly Dunwoody
发明人： Kimberly Dunwoody
IPC分类号： G06Q20/00 , G06Q30/00 , H04N7/18
CPC分类号： G06Q20/02 , G06Q20/102 , G06Q20/40 , G06Q30/04 , G06Q30/0641 , G06Q40/02
摘要： A method of restricting the disbursement of funds in a money transfer, the method occurring at a money transfer system, the method comprising: receiving a money transfer request from a requester including information about a pending transaction between the requester and a provider; providing the money transfer request to a sender, the money transfer request informing the sender of the pending transaction and requesting that the sender provide funds for the pending transaction; receiving an acceptance from the sender to perform the money transfer, the acceptance restricting the use of the funds to pay for the pending transaction; and executing a money transfer from the sender to the provider such that the money is transferred without being accessible to the requester.
摘要翻译：一种限制货币转移中的资金支付的方法，该方法是在货币转移系统中发生的方法，该方法包括：从请求者接收包括请求者与提供者之间待决交易信息的汇款请求; 向发送者提供汇款请求，汇款请求通知发送方未完成的交易，并请求发送方为待决交易提供资金; 收到发件人接受汇款，接受限制使用资金支付待处理交易; 并且执行从发送者到提供者的汇款，使得汇款被转移而不被请求者访问。

8. 发明申请

US20120084206A1 SYSTEM AND METHOD FOR SECURE TRANSACTIONS AT A MOBILE DEVICE 审中-公开
标题翻译：用于在移动设备上安全交易的系统和方法
公开(公告)号：US20120084206A1
公开(公告)日：2012-04-05
申请号：US12894858
申请日：2010-09-30
申请人： Evans Mehew , Kimberly Dunwoody , Dianna Lyons
发明人： Evans Mehew , Kimberly Dunwoody , Dianna Lyons
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q40/00
摘要： A system and method for conducting money transfer transactions using mobile devices includes a money transfer host computer that facilitates the collection of fingerprint data for the mobile devices and personal data for users of the mobile devices. The personal data can include a user photo. In order to enable the mobile devices, both the fingerprint data and the personal data are collected, and at least the personal data is verified. To authorize transactions at an enabled mobile device, the fingerprint data and personal data are compared to reference data, and based on the comparison and on a threshold established for the comparison, a transaction is authorized or rejected.
摘要翻译：使用移动设备进行汇款交易的系统和方法包括有利于收集用于移动设备的指纹数据和移动设备的用户的个人数据的汇款主计算机。个人数据可以包括用户照片。为了使移动设备能够收集指纹数据和个人数据，并且至少验证个人数据。为了在启用的移动设备上授权交易，将指纹数据和个人数据与参考数据进行比较，并且基于比较，并且对于为比较建立的阈值，交易被授权或拒绝。

9. 发明申请

US20120084203A1 SYSTEM AND METHOD FOR SECURE TRANSACTIONS USING DEVICE-RELATED FINGERPRINTS 审中-公开
标题翻译：使用与装置相关的手指安全交易的系统和方法
公开(公告)号：US20120084203A1
公开(公告)日：2012-04-05
申请号：US12894456
申请日：2010-09-30
申请人： Evans Mehew , Kimberly Dunwoody , Gail Galuppo
发明人： Evans Mehew , Kimberly Dunwoody , Gail Galuppo
IPC分类号： G06Q40/00
CPC分类号： G06Q20/105 , G06Q20/40
摘要： A system for conducting money transfer transactions includes a wallet application at a mobile network host that facilitates the collection of fingerprint data at a mobile user device and that maintains wallets where the fingerprint data corresponding to a user device is stored as a reference fingerprint. The fingerprint data includes both device feature characteristics and device use characteristics. When a transaction is conducted a the user device, current fingerprint data from the user device is compared to the reference fingerprint, and the transaction is permitted based on the comparison.
摘要翻译：用于进行汇款交易的系统包括在移动网络主机处的便携式应用程序，其便于在移动用户设备处收集指纹数据，并且维护与用户设备相对应的指纹数据作为参考指纹存储的钱包。指纹数据包括设备特征和设备使用特性两者。当进行交易时，用户设备将来自用户设备的当前指纹数据与参考指纹进行比较，并且基于比较允许交易。

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