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1. 发明授权

US08019679B2 Global compliance processing system for a money transfer system 有权
标题翻译：汇款系统的全球合规处理系统
公开(公告)号：US08019679B2
公开(公告)日：2011-09-13
申请号：US11874694
申请日：2007-10-18
申请人： Shannon Lee Bennett , Diana Chauvin , Billy Joe Steiger, Jr. , Dorilyn Lee Sletten , Peter Gore
发明人： Shannon Lee Bennett , Diana Chauvin , Billy Joe Steiger, Jr. , Dorilyn Lee Sletten , Peter Gore
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q20/108 , G06Q20/40 , G06Q40/025 , G06Q40/04
摘要： An improved money transfer system includes a rules database, a customer database, and a transaction processing system. The rules database includes information representative of transaction rules, at least some of which include an aggregation threshold. The customer database includes information representative of customers' transaction histories. The transaction processing system is connected to the rules database and customer database and includes point of entry ports, a customer identifier, a rules coordinator, an aggregation engine, and a transaction rules service. The point of entry ports receive transaction requests from points of entry and provide transaction responses to the points of entry. Based on information received in transaction requests, the customer identifier identifies customers and the rules coordinator determines applicable transaction rules. The aggregation engine determines aggregation values as a function of customers' transaction histories. The transaction rules service determines whether information received in the transaction requests meets the applicable transaction rules and causes the aggregation engine to determine aggregation values if the applicable transaction rules include aggregation thresholds. The transaction rules service generates transaction responses based upon the information received in the transaction requests along with any information received in response to any requests for additional information and any aggregation values, and updates the customer database as a function of the transaction.
摘要翻译：改进的汇款系统包括规则数据库，客户数据库和交易处理系统。规则数据库包括表示事务规则的信息，其中至少一些包括聚合阈值。客户数据库包括代表客户交易历史的信息。事务处理系统连接到规则数据库和客户数据库，并包括入口端口，客户标识符，规则协调器，聚合引擎和事务规则服务。入口点从入口点接收交易请求，并向进入点提供交易回复。根据事务请求中收到的信息，客户标识符标识客户，规则协调器确定适用的交易规则。聚合引擎根据客户的交易历史来确定聚合值。事务规则服务确定事务请求中接收到的信息是否满足适用的事务规则，如果适用的事务规则包括聚合阈值，则导致聚合引擎确定聚合值。事务规则服务基于在事务请求中接收的信息以及响应于对附加信息和任何聚合值的任何请求而接收到的任何信息来生成事务响应，并且作为事务的函数更新客户数据库。

2. 发明申请

US20090106149A1 GLOBAL COMPLIANCE PROCESSING SYSTEM FOR A MONEY TRANSFER SYSTEM 有权
公开(公告)号：US20090106149A1
公开(公告)日：2009-04-23
申请号：US11874694
申请日：2007-10-18
申请人： Shannon Lee Bennett , Diana Chauvin , Billy Joe Steiger, Jr. , Dorilyn Lee Sletten , Peter Gore
发明人： Shannon Lee Bennett , Diana Chauvin , Billy Joe Steiger, Jr. , Dorilyn Lee Sletten , Peter Gore
IPC分类号： G06Q40/00 , G06Q90/00
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q20/108 , G06Q20/40 , G06Q40/025 , G06Q40/04
摘要： A money transfer system generally includes a rules database, a customer database, a transaction processing system, and an administrator port. The rules database includes information representative of transaction rules. The transaction rules include transaction type-based rules, point of entry-based rules, customer-based rules, and transaction location-based rules. At least some of the transaction rules include an aggregation threshold. The customer database includes information representative of customers' transaction histories. The transaction processing system is connected to the rules database and customer database and generally includes point of entry ports, a customer identifier, a rules coordinator, an aggregation engine, and a transaction rules service. The point of entry ports receive transaction requests from points of entry and provide transaction responses to the points of entry. Based on information received in transaction requests, the customer identifier identifies customers and the rules coordinator determines applicable transaction rules. The aggregation engine determines aggregation values as a function of customers' transaction histories. The transaction rules service determines whether information received in the transaction requests meets the applicable transaction rules, generates transaction responses requesting additional information if additional information is needed to meet the applicable transaction rules, causes the aggregation engine to determine aggregation values if the applicable transaction rules include aggregation thresholds, generates transaction responses, and updates the customer database as a function of the transaction responses. Transaction responses authorizing transactions are generated if the information received in the transaction requests, including any information received in response to additional information requests and any aggregation values, meet the applicable transaction rules. Transaction responses denying transactions are generated if the information received in the transaction requests, including any information received in response to additional information requests and any aggregation values, do not meet the applicable transaction rules. The administrator port communicates rule update information and the transaction processing system updates the rules database as a function of the rule update information.

3. 发明授权

US08463702B2 Global compliance processing system for a money transfer system 有权
标题翻译：汇款系统的全球合规处理系统
公开(公告)号：US08463702B2
公开(公告)日：2013-06-11
申请号：US13190949
申请日：2011-07-26
申请人： Shannon Lee Bennett , Diana Chauvin , Billy Joe Steiger, Jr. , Dorilyn L. Sletten , Peter Gore
发明人： Shannon Lee Bennett , Diana Chauvin , Billy Joe Steiger, Jr. , Dorilyn L. Sletten , Peter Gore
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q20/108 , G06Q20/40 , G06Q40/025 , G06Q40/04
摘要： A data processing system coupled to a rules database and a customer database is responsive to transaction requests representative of money transfers. The rules database includes information representative of transaction rules such as location-based rules, transaction type-based rules, customer-based rules, aggregated transaction value rules and currency exchange rules, at least some of which include an aggregation threshold. The system processes the transaction requests during transaction processing sessions to enable enforcement of governmental money transfer compliance requirements. Responses including requests for additional information, approvals and denials are provided by the system.
摘要翻译：耦合到规则数据库和客户数据库的数据处理系统响应代表汇款的交易请求。规则数据库包括表示交易规则的信息，例如基于位置的规则，基于事务类型的规则，基于客户的规则，聚合交易值规则和货币交换规则，其中至少一些包括聚合阈值。系统在交易处理会话期间处理交易请求，以实施政府汇款合规性要求。系统提供了包括更多信息，批准和拒绝请求的响应。

4. 发明申请

US20110282790A1 GLOBAL COMPLIANCE PROCESSING SYSTEM FOR A MONEY TRANSFER SYSTEM 有权
标题翻译：货币兑换系统的全球合规处理系统
公开(公告)号：US20110282790A1
公开(公告)日：2011-11-17
申请号：US13190949
申请日：2011-07-26
申请人： Shannon Lee Bennett , Diana Chauvin , Billy Joe Steiger, JR. , Dorilyn L. Sletten , Peter Gore
发明人： Shannon Lee Bennett , Diana Chauvin , Billy Joe Steiger, JR. , Dorilyn L. Sletten , Peter Gore
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q20/108 , G06Q20/40 , G06Q40/025 , G06Q40/04
摘要： An improved money transfer system includes a rules database, a customer database, and a transaction processing system. The rules database includes information representative of transaction rules, at least some of which include an aggregation threshold. The customer database includes information representative of customers' transaction histories. The transaction processing system is connected to the rules database and customer database and includes point of entry ports, a customer identifier, a rules coordinator, an aggregation engine, and a transaction rules service. The point of entry ports receive transaction requests from points of entry and provide transaction responses to the points of entry. Based on information received in transaction requests, the customer identifier identifies customers and the rules coordinator determines applicable transaction rules. The aggregation engine determines aggregation values as a function of customers' transaction histories. The transaction rules service determines whether information received in the transaction requests meets the applicable transaction rules and causes the aggregation engine to determine aggregation values if the applicable transaction rules include aggregation thresholds. The transaction rules service generates transaction responses based upon the information received in the transaction requests along with any information received in response to any requests for additional information and any aggregation values, and updates the customer database as a function of the transaction.
摘要翻译：改进的汇款系统包括规则数据库，客户数据库和交易处理系统。规则数据库包括表示事务规则的信息，其中至少一些包括聚合阈值。客户数据库包括代表客户交易历史的信息。事务处理系统连接到规则数据库和客户数据库，并包括入口端口，客户标识符，规则协调器，聚合引擎和事务规则服务。入口点从入口点接收交易请求，并向进入点提供交易回复。根据事务请求中收到的信息，客户标识符标识客户，规则协调器确定适用的交易规则。聚合引擎根据客户的交易历史来确定聚合值。事务规则服务确定事务请求中接收到的信息是否满足适用的事务规则，如果适用的事务规则包括聚合阈值，则导致聚合引擎确定聚合值。事务规则服务基于在事务请求中接收的信息以及响应于对附加信息和任何聚合值的任何请求而接收到的任何信息来生成事务响应，并且作为事务的函数更新客户数据库。

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