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1. 发明授权

US07792720B2 Systems and methods for implementing person-to-person money exchange 有权
标题翻译：执行个人兑换货币的制度和方法
公开(公告)号：US07792720B2
公开(公告)日：2010-09-07
申请号：US10961505
申请日：2004-10-08
申请人： Paul Gallagher , Kaycie Roberts , Michael Baum , Peihuan Meng , Jorge Noa , Steve Davis , Robert Simon , Mieko Schmandt , Ivan Liu , Martin Hampton
发明人： Paul Gallagher , Kaycie Roberts , Michael Baum , Peihuan Meng , Jorge Noa , Steve Davis , Robert Simon , Mieko Schmandt , Ivan Liu , Martin Hampton
IPC分类号： G06Q30/00
CPC分类号： G06Q40/02 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q20/367 , G06Q20/3674 , G06Q20/3676 , G06Q20/3678 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q40/00 , G06Q40/025
摘要： A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.
摘要翻译：系统在个人之间或个人与实体（如银行，商家和其他公司）之间进行网络金融交易。每个用户建立一个在线帐户，用于向其他在线账户转账。任何用户可以与任何其他实体发起汇款交易或请求支付交易，只要该实体具有电子邮件地址。在线资金转帐可以包括验证用户的信息，包括验证邮寄地址。

2. 发明申请

US20120116968A1 Systems and Methods for Implementing Person-To-Person Money Exchange 审中-公开
标题翻译：实行人际交往的制度与方法
公开(公告)号：US20120116968A1
公开(公告)日：2012-05-10
申请号：US13344684
申请日：2012-01-06
申请人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
发明人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q20/367 , G06Q20/3674 , G06Q20/3676 , G06Q20/3678 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q40/00 , G06Q40/025
摘要： A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.
摘要翻译：系统在个人之间或个人与实体（如银行，商家和其他公司）之间进行网络金融交易。每个用户建立一个在线帐户，用于向其他在线账户转账。任何用户可以发起与所有其他实体的汇款交易或请求支付交易，只要该实体具有电子邮件地址。在线资金转帐可以包括验证用户的信息，包括验证邮寄地址。

3. 发明申请

US20050131813A1 Systems and methods for implementing person-to-person money exchange 有权
公开(公告)号：US20050131813A1
公开(公告)日：2005-06-16
申请号：US10961505
申请日：2004-10-08
申请人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
发明人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
IPC分类号： G06Q20/08 , G06Q20/10 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q40/00 , G06Q40/02 , G06F17/60
CPC分类号： G06Q40/02 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q20/367 , G06Q20/3674 , G06Q20/3676 , G06Q20/3678 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q40/00 , G06Q40/025
摘要： Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee must then either open an online account or identify an existing online account to complete the transaction. For a request money transaction, a user enters an amount of funds owed and an e-mail address for the recipient of the payment request (payor), and the system sends a payment request to the payor via e-mail at the provided address. If the payor accepts the payment request, the payor identifies an online account from which to transfer funds to the payee (initiator of the payment request). If the payor does not have an online account established, the payor must sign up for an online account and provide a credit card number to fund the online account. Thereafter, the amount of funds are transferred to the payee and the system sends an e-mail notification to the payee indicating that the funds have been “received” on the payee's behalf. In both cases, to complete a transaction, the payee must direct the received funds to an online account, for example, by providing an online account number and/or other identifying information such as a password. The payor may cancel the transaction at any time until the payee directs the received funds to an online account.

4. 发明申请

US20050108155A1 Systems and methods for implementing person-to-person money exchange 审中-公开
公开(公告)号：US20050108155A1
公开(公告)日：2005-05-19
申请号：US11020789
申请日：2004-12-22
申请人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
发明人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
IPC分类号： G06Q20/08 , G06Q20/10 , G06Q20/36 , G06Q20/38 , G06Q20/40 , G06Q40/00 , G06Q40/02 , G06F17/60
CPC分类号： G06Q40/02 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q20/367 , G06Q20/3674 , G06Q20/3676 , G06Q20/3678 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q40/00 , G06Q40/025
摘要： Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee must then either open an online account or identify an existing online account to complete the transaction. For a request money transaction, a user enters an amount of funds owed and an e-mail address for the recipient of the payment request (payor), and the system sends a payment request to the payor via e-mail at the provided address. If the payor accepts the payment request, the payor identifies an online account from which to transfer funds to the payee (initiator of the payment request). If the payor does not have an online account established, the payor must sign up for an online account and provide a credit card number to fund the online account. Thereafter, the amount of funds are transferred to the payee and the system sends an e-mail notification to the payee indicating that the funds have been “received” on the payee's behalf. In both cases, to complete a transaction, the payee must direct the received funds to an online account, for example, by providing an online account number and/or other identifying information such as a password. The payor may cancel the transaction at any time until the payee directs the received funds to an online account.

5. 发明申请

US20100299256A1 SYSTEMS AND METHODS FOR IMPLEMENTING PERSON-TO-PERSON MONEY EXCHANGE 有权
标题翻译：实施个人货币兑换的系统和方法
公开(公告)号：US20100299256A1
公开(公告)日：2010-11-25
申请号：US12850304
申请日：2010-08-04
申请人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
发明人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q20/367 , G06Q20/3674 , G06Q20/3676 , G06Q20/3678 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q40/00 , G06Q40/025
摘要： A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.
摘要翻译：系统在个人之间或个人与实体（如银行，商家和其他公司）之间进行网络金融交易。每个用户建立一个在线帐户，用于向其他在线账户转账。任何用户可以发起与所有其他实体的汇款交易或请求支付交易，只要该实体具有电子邮件地址。在线资金转帐可以包括验证用户的信息，包括验证邮寄地址。

6. 发明授权

US07373329B2 Systems and methods for implementing person-to-person money exchange 有权
标题翻译：执行个人兑换货币的制度和方法
公开(公告)号：US07373329B2
公开(公告)日：2008-05-13
申请号：US10727303
申请日：2003-12-02
申请人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
发明人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q20/367 , G06Q20/3674 , G06Q20/3676 , G06Q20/3678 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q40/00 , G06Q40/025
摘要： Systems for effecting online financial transactions between individuals are disclosed. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The transfer request may include an identity confirmation through which the payor confirms the identity of the payee. The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee may open an online account or identify an existing online account to complete the transaction as well as provide identity confirmation for the payor. Upon confirmation, the transfer may occur.
摘要翻译：披露了实现个人之间在线金融交易的系统。任何用户可以发起与所有其他实体的汇款交易或请求支付交易，只要该实体具有电子邮件地址。对于汇款交易，用户汇款（付款人）输入要转移的资金金额和资金收款人（收款人）的电子邮件地址。转移请求可以包括身份确认，付款人通过该确认确认收款人的身份。系统向收款人发送电子邮件，地址为提供的地址，表示资金数额已经以收款人方式“收到”。收款人可以打开一个在线帐户，或者识别一个现有的在线帐户来完成交易，并为付款人提供身份确认。确认后，可能会发生转移。

7. 发明授权

US08126792B2 Systems and methods for implementing person-to-person money exchange 有权
标题翻译：执行个人兑换货币的制度和方法
公开(公告)号：US08126792B2
公开(公告)日：2012-02-28
申请号：US12850304
申请日：2010-08-04
申请人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
发明人： Paul Gallagher , Steve Davis , Kaycie Roberts , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q20/367 , G06Q20/3674 , G06Q20/3676 , G06Q20/3678 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q40/00 , G06Q40/025
摘要： A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.
摘要翻译：系统在个人之间或个人与实体（如银行，商家和其他公司）之间进行网络金融交易。每个用户建立一个在线帐户，用于向其他在线账户转账。任何用户可以发起与所有其他实体的汇款交易或请求支付交易，只要该实体具有电子邮件地址。在线资金转帐可以包括验证用户的信息，包括验证邮寄地址。

8. 发明授权

US07031939B1 Systems and methods for implementing person-to-person money exchange 有权
公开(公告)号：US07031939B1
公开(公告)日：2006-04-18
申请号：US09639014
申请日：2000-08-15
申请人： Paul Gallagher , Steve Davis , Kaycie Robert , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
发明人： Paul Gallagher , Steve Davis , Kaycie Robert , Robert Simon , Michael Baum , Mieko Schmandt , Peihuan Meng , Ivan Liu , Jorge Noa , Martin Hampton
IPC分类号： G06F17/60
CPC分类号： G06Q40/02 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/1085 , G06Q20/367 , G06Q20/3674 , G06Q20/3676 , G06Q20/3678 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q40/00 , G06Q40/025
摘要： Systems and methods for effecting online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user accesses a fund exchange server to establish an online account, which is used to transfer funds to and from other entities' online accounts. To fund an online account, funds can be transferred to the online account from a credit card account or from another online account. To withdraw funds, money can be transferred to a credit card account or other bank account. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. For a send money transaction, the user sending money (payor) enters an amount of funds to be transferred and an e-mail address of the recipient of the funds (payee). The system sends an e-mail message to the payee at the address provided indicating that the amount of funds has been “received” on the payee's behalf. The payee must then either open an online account or identify an existing online account to complete the transaction. For a request money transaction, a user enters an amount of funds owed and an e-mail address for the recipient of the payment request (payor), and the system sends a payment request to the payor via e-mail at the provided address. If the payor accepts the payment request, the payor identifies an online account from which to transfer funds to the payee (initiator of the payment request). If the payor does not have an online account established, the payor must sign up for an online account and provide a credit card number to fund the online account. Thereafter, the amount of funds are transferred to the payee and the system sends an e-mail notification to the payee indicating that the funds have been “received” on the payee's behalf. In both cases, to complete a transaction, the payee must direct the received funds to an online account, for example, by providing an online account number and/or other identifying information such as a password. The payor may cancel the transaction at any time until the payee directs the received funds to an online account.

9. 发明授权

US5953524A Development system with methods for runtime binding of user-defined classes 失效
标题翻译：具有用于用户定义类的运行时绑定方法的开发系统
公开(公告)号：US5953524A
公开(公告)日：1999-09-14
申请号：US755054
申请日：1996-11-22
申请人： Peihuan Meng , Steven M. Barrington
发明人： Peihuan Meng , Steven M. Barrington
IPC分类号： G06F9/44 , G06F9/445
CPC分类号： G06F9/44521
摘要： A multimedia application development system including an authoring environment and a runtime module for executing applications developed in the authoring environment is described. The system allows creation of customized objects (e.g., custom controls), by creating a user-defined class or "UDC." Typically, a UDC is created from one or more existing classes, inheriting, at least in part, behavior and functionality of those existing classes. The system provides methods where actual binding of properties and methods to an object instance of a class is deferred until runtime. With specific regard to UDC-created objects, the behaviors of parent classes are not bound to object instances at compile time. Instead, these behaviors are "late bound" by fetching them from the parent classes at runtime, on an "as needed" basis. Further, "which" particular parent classes are actually employed for this purpose at runtime can be altered, thereby providing further flexibility to the system. Since the UDC is bound only at runtime, the specific UDC actually employed can be changed up to the point of actual execution. As a result, the behavior for the object at runtime can be changed dramatically by simply re-directing the object to a different UDC (which may be one of many compatible UDCs). In this manner, the actual "context" of execution of an application at runtime depends on the particular context in which the application finds itself.
摘要翻译：描述了包括创作环境和用于在创作环境中开发的应用程序的运行时模块的多媒体应用开发系统。该系统允许通过创建用户定义的类或“UDC”来创建自定义对象（例如，自定义控件）。通常，UDC是从一个或多个现有类创建的，至少部分地继承了那些现有类的行为和功能。系统提供了将属性和方法实际绑定到类的对象实例的方法延迟到运行时。对于特定于UDC创建的对象，父类的行为在编译时不绑定到对象实例。相反，这些行为通过在“运行时”在“根据需要”的基础上从父类中提取它们是“迟到的”。此外，可以改变“哪个”特定的父类在运行时用于此目的，从而为系统提供进一步的灵活性。由于UDC仅在运行时绑定，所以实际使用的特定UDC可以改变到实际执行的程度。因此，通过简单地将对象重定向到不同的UDC（可能是许多兼容的UDC之一），可以显着地改变运行时对象的行为。以这种方式，在运行时执行应用程序的实际“上下文”取决于应用程序发现自己的特定上下文。

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