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1. 发明申请

US20090265272A1 MONEY TRANSFERS UTILIZING A UNIQUE RECEIVER IDENTIFIER 审中-公开
标题翻译：使用一个独特的接收者标识符进行货币转移
公开(公告)号：US20090265272A1
公开(公告)日：2009-10-22
申请号：US12477360
申请日：2009-06-03
申请人： Matt Dill , Rebecca Mann , Paul Blair , Jacques Gilbert , Mike Michelsen , Michael Hafer
发明人： Matt Dill , Rebecca Mann , Paul Blair , Jacques Gilbert , Mike Michelsen , Michael Hafer
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q20/105 , G06Q20/1085 , G06Q20/223 , G06Q20/385 , G06Q20/40 , G06Q40/00
摘要： Methods, systems, and machine-readable media are disclosed for financial transfers utilizing a unique identifier to facilitate flexible payment options for the transaction. According to one embodiment, a pull transaction model can be implemented. According to such embodiments, a money transfer can be initiated in a conventional manner via an agent of a money transfer facilitator. The sender of the transfer can provide an identifier for the transaction to the recipient. The recipient can in turn use the identifier, in combination with functionality of a mobile wallet application of a mobile device to request or “pull” the money transfer to an account associated with the mobile wallet application. In this way, the recipient can receive the transfer to the mobile wallet account even if the sender does not know that such a delivery is available.
摘要翻译：公开了方法，系统和机器可读介质，用于使用唯一标识符进行财务转移，以促进交易的灵活支付选项。根据一个实施例，可以实现拉动事务模型。根据这样的实施例，可以通过汇款促进者的代理以常规方式启动汇款。传输的发送者可以向接收方提供交易的标识符。接收者可以结合使用移动设备的移动钱包应用的功能来使用标识符来请求或“拉”汇款到与移动钱包应用相关联的帐户。以这种方式，即使发件人不知道这样的传送是可用的，收件人也可以接收到移动钱包帐户的转移。

2. 发明申请

US20090106152A1 MONEY TRANSFERS UTILIZING UNIQUE RECEIVER IDENTIFIER 审中-公开
标题翻译：使用独特收件人标识符的货币转移
公开(公告)号：US20090106152A1
公开(公告)日：2009-04-23
申请号：US12146650
申请日：2008-06-26
申请人： Matt Dill , Rebecca Mann , Paul Blair , Jacques Gilbert
发明人： Matt Dill , Rebecca Mann , Paul Blair , Jacques Gilbert
IPC分类号： G06Q40/00
CPC分类号： G06Q20/3223 , G06Q20/10 , G06Q20/40
摘要： Methods, systems, and machine-readable media are disclosed for financial transfers utilizing a unique identifier to facility flexible payment options for the transaction. According to one embodiment, a method for supporting a money transfer transaction can comprise receiving a request to initiate the money transfer transaction. The request can include a unique identifier for a recipient of the money transfer transaction. A destination for transferring funds for the money transfer transaction to the recipient can be determined based at least in part on the unique identifier for the recipient. The funds for the money transfer transaction can be transferred to the determined destination and the recipient can be notified of availability of funds at the determined destination.
摘要翻译：公开了方法，系统和机器可读介质，用于使用唯一标识符进行财务转移，以为交易设置灵活的支付选项。根据一个实施例，用于支持汇款交易的方法可以包括接收启动汇款交易的请求。该请求可以包括货币转移交易的收件人的唯一标识符。可以至少部分地基于接收者的唯一标识符来确定用于将汇款交易的资金转移给收件人的目的地。货币转移交易的资金可以转移到确定的目的地，并且可以向收件人通知在确定的目的地的资金的可用性。

3. 发明申请

US20080243690A1 Money Transfer System And Messaging System 有权
标题翻译：汇款系统和信息系统
公开(公告)号：US20080243690A1
公开(公告)日：2008-10-02
申请号：US11692708
申请日：2007-03-28
申请人： Scott Paintin , Lance Marr , Michelle O'Callaghan , Rebecca Mann , Diane Robertson
发明人： Scott Paintin , Lance Marr , Michelle O'Callaghan , Rebecca Mann , Diane Robertson
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/02 , G06Q20/20 , G06Q20/40
摘要： A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient.
摘要翻译：公开了一种用于将资金从发送者转移到具有记录消息的接收者的系统。在一个步骤中，该方法包括从发送者接收资金转帐请求。发件人可以在交易处理设备处进行资金转帐请求。在另一步骤中，从发送方接收到用于资金转移的付款，并且向主计算机系统发送支付确认。然后可以将资源转移给标识符。可以接收来自发送者的记录的消息，并且至少可以将记录的消息的副本发送到主机系统。记录的消息可以与资金转移相关联。可以从接收者接收包括标识符的请求以接收所记录的消息。在另一步骤中，记录的消息可以被发送到接收者。

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