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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。

6. 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。

7. 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。

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

US07120608B1 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：US07120608B1
公开(公告)日：2006-10-10
申请号：US09702274
申请日：2000-10-30
申请人： Paul Gallagher , Steve Davis , Ivan Liu , Martin Hampton
发明人： Paul Gallagher , Steve Davis , Ivan Liu , Martin Hampton
IPC分类号： G06Q99/00 , H04K1/00
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 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 funding account, e.g., credit card account, checking or savings account, or other account, or from another online account. To withdraw funds, money can be transferred to a funding account. A verification procedure requires that a user enter information sufficient to effect financial transfers to and from a funding account. The system deposits one or more small amounts into the funding account, and queries the user to enter the amount of each deposit. If the amount(s) match, the account is considered verified.
摘要翻译：实现个人之间或个人与实体（如银行，商户和其他公司）之间的在线金融交易的系统和方法。每个用户访问资金交换服务器建立一个在线帐户，用于向其他实体的在线账户转账。为了资助一个在线帐户，资金可以从一个资金账户，如信用卡帐户，支票或储蓄账户，或其他帐户，或从另一个在线帐户转移到在线帐户。要提取资金，可以将资金转入资金账户。验证程序要求用户输入足以进行资金账户转账的资金。系统将一笔或多笔少量存入资金账户，并询问用户输入每笔存款金额。如果金额匹配，该帐户将被视为已验证。

10. 发明申请

US20080249803A1 System and method for creating a marketing analysis model 审中-公开
标题翻译：用于创建营销分析模型的系统和方法
公开(公告)号：US20080249803A1
公开(公告)日：2008-10-09
申请号：US12099103
申请日：2008-04-07
申请人： Helene Monat , Steve Davis
发明人： Helene Monat , Steve Davis
IPC分类号： G06Q10/00 , G06Q50/00
CPC分类号： G06Q30/02 , G06Q50/22
摘要： A method of producing a marketing report, wherein the marketing report is based on at least one or more patient information data-sets and one or more purchasing information data-sets, can include the steps of receiving a first patient information data-set from a patient, transmitting a patient association request to a purchase tracking module, wherein the patient association request includes a portion of the first patient information data-set, and the purchase tracking module is configured to store purchasing information data-sets. The method can include receiving a patient association confirmation, wherein the patient association confirmation acknowledges the association of a portion of the first patient information data-set with a purchasing information data-set stored in the purchase tracking module, scheduling a time for transmission of a first educational information data-set to the patient and transmitting the first educational information data-set at the properly scheduled time to the patient.
摘要翻译：一种生产营销报告的方法，其中所述营销报告基于至少一个或多个患者信息数据集和一个或多个购买信息数据集，其可以包括以下步骤：从第一患者信息数据集将患者关联请求发送到购买跟踪模块，其中所述患者关联请求包括所述第一患者信息数据集的一部分，并且所述购买跟踪模块被配置为存储购买信息数据集。所述方法可以包括接收患者关联确认，其中所述患者关联确认确认所述第一患者信息数据集的一部分与存储在所述购买跟踪模块中的购买信息数据集的关联，调度用于发送将第一教育信息数据集设置给患者，并将适当预定时间的第一教育信息数据集发送给患者。

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