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1. 发明授权

US10026119B2 Efficient transfer of funds between accounts 有权
公开(公告)号：US10026119B2
公开(公告)日：2018-07-17
申请号：US13608834
申请日：2012-09-10
申请人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
IPC分类号： G06Q40/00 , G06Q40/02
摘要： A transfer management system receives a request to transfer an amount of funds from a transferring account maintained by a transferring bank to a receiving account maintained by a receiving bank. The transfer management system determines whether the transferring bank maintains an intermediate transferring account, and whether the receiving bank maintains an intermediate receiving account. If the transferring bank maintains an intermediate transferring account and the receiving maintains an intermediate receiving account, the transfer management system transmits to a transferring bank system of the transferring bank an intra-bank transfer request. The intra-bank transfer request is to transfer the amount of funds from the transferring account to the intermediate transferring account. Additionally, the transfer management system transmits an intra-bank transfer request to a receiving bank system of the receiving bank to transfer the amount of funds from the intermediate receiving account maintained by the receiving bank to the receiving account.

2. 发明授权

US10410184B2 Tracking and managing group expenditures 有权
公开(公告)号：US10410184B2
公开(公告)日：2019-09-10
申请号：US13436491
申请日：2012-03-30
申请人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
IPC分类号： G06Q10/00 , G06Q30/00 , G06Q40/00 , G06Q20/02 , G06Q10/10 , G06Q30/06 , G06Q40/02
摘要： A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.

3. 发明申请

US20140074709A1 EFFICIENT TRANSFER OF FUNDS BETWEEN ACCOUNTS 有权
标题翻译：资金之间的有效转移
公开(公告)号：US20140074709A1
公开(公告)日：2014-03-13
申请号：US13608834
申请日：2012-09-10
申请人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q40/00
摘要： A transfer management system receives a request to transfer an amount of funds from a transferring account maintained by a transferring bank to a receiving account maintained by a receiving bank. The transfer management system determines whether the transferring bank maintains an intermediate transferring account, and whether the receiving bank maintains an intermediate receiving account. If the transferring bank maintains an intermediate transferring account and the receiving maintains an intermediate receiving account, the transfer management system transmits to a transferring bank system of the transferring bank an intra-bank transfer request. The intra-bank transfer request is to transfer the amount of funds from the transferring account to the intermediate transferring account. Additionally, the transfer management system transmits an intra-bank transfer request to a receiving bank system of the receiving bank to transfer the amount of funds from the intermediate receiving account maintained by the receiving bank to the receiving account.
摘要翻译：转移管理系统接收从转账银行转账的汇款账户将金额转入接收银行维护的接收账户的请求。转账管理系统确定转账银行是否维持一个中间转账账户，以及接收银行是否维持一个中间帐号。如果转移银行维持中间转帐账户，并且接收方维护中间接收账户，则转账管理系统向转账银行的转账银行系统发送银行内转账请求。银行间转账请求是将资金从转账账户转入中转账户。另外，转账管理系统向接收银行的接收银行系统发送银行内转账请求，将来自接收银行维护的中间接收账户的资金金额转移给接收账户。

4. 发明申请

US20130332357A1 SETTING PEER-TO-PEER AUTHORIZATION LEVELS WITH SOCIAL NETWORK CONTENT 审中-公开
标题翻译：设置与对等网络授权级别与社会网络内容
公开(公告)号：US20130332357A1
公开(公告)日：2013-12-12
申请号：US13490423
申请日：2012-06-06
申请人： Travis Harrison Kroll Green , Narelle Cozens , Avery Pennarun , Peter Schmitt , Michael DePasquale , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Avery Pennarun , Peter Schmitt , Michael DePasquale , Boris Mizhen
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/223 , G06Q20/3223 , G06Q50/01
摘要： The invention provides a computer-implemented method for using the social networking content of a user to determine authentication levels required for a peer-to-peer transaction. A user inputs transaction counter-party and transaction details into a payment application. The information can be transmitted to a server located in a peer-to-peer payment system. The system may search the social network content of the user to determine the account information of the counter-party and to assess the security risk of the counter-party according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include the counter-party's status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The system may determine the level of transaction authentication required to process the transaction. The user may enter the authentication data to complete the transaction.
摘要翻译：本发明提供了一种用于使用用户的社交网络内容来确定对等交易所需的认证级别的计算机实现的方法。用户将交易对方和交易细节输入到支付应用程序中。该信息可以被发送到位于对等支付系统中的服务器。系统可以搜索用户的社交网络内容以确定对方的帐户信息，并根据定义与用户的连接强度的预先设定的因素集来评估对方的安全风险。这些因素可能包括对方在用户社交网络中的状态，联系频率，先前交易或进一步建立关系的其他因素。系统可以确定处理交易所需的交易认证的级别。用户可以输入认证数据来完成交易。

5. 发明申请

US20130262294A1 TRACKING AND MANAGING GROUP EXPENDITURES 审中-公开
标题翻译：跟踪和管理集团支出
公开(公告)号：US20130262294A1
公开(公告)日：2013-10-03
申请号：US13436491
申请日：2012-03-30
申请人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Peter Schmitt , Michael DePasquale , Avery Pennarun , Boris Mizhen
IPC分类号： G06Q20/08 , G06Q40/00
CPC分类号： G06Q20/023 , G06Q10/10 , G06Q30/06 , G06Q40/02
摘要： A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.
摘要翻译：建立了包含多个用户的组。对于包括多个支付交易的组，维护交易记录。多个支付交易中的每一个涉及该组的至少一个用户。此外，维持余额，其基于多个支付交易中的一个或多个，将该组的第一个用户所欠的金额指示给该组的第二个用户。当发生结算事件时，通过在第一用户和第二用户之间启动资金转移来解决余额。

6. 发明授权

US08423459B1 Prioritizing potential transaction counter-parties with social network content 有权
标题翻译：利用社交网络内容确定潜在交易对方的优先级
公开(公告)号：US08423459B1
公开(公告)日：2013-04-16
申请号：US13436817
申请日：2012-03-30
申请人： Travis Harrison Kroll Green , Narelle Cozens , Avery Pennarun , Peter Schmitt , Michael DePasquale , Boris Mizhen
发明人： Travis Harrison Kroll Green , Narelle Cozens , Avery Pennarun , Peter Schmitt , Michael DePasquale , Boris Mizhen
IPC分类号： G06Q40/00
CPC分类号： G06Q30/0269 , G06Q20/223 , G06Q20/322 , G06Q30/0281 , G06Q30/06 , G06Q30/0639 , G06Q50/01
摘要： A user installs a Peer-to-Peer Payment Application (“PPA”) on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System (“PPS”). The PPS may search for other devices within a certain proximity to the user that may be active. The PPS may search the social network content of the user to determine if any of the proximate devices users are likely counter-parties. If more than one likely counter-party is identified, the PPS may rank the counter-parties according to a preconfigured set of factors that define the strength of the connection to the user. These factors may include their status in the user's social networks, frequency of contact, prior transactions, or other factors that further establish a relationship. The PPS may transmit the ranked list of likely counter-parties to the PPA for display to the user on the device.
摘要翻译：用户在其移动设备上安装了对等支付应用（PPA）。 PPA将用户设备的位置发送到位于对等支付系统（PPS）中的服务器。 PPS可以在可能处于活动状态的用户的某一接近度内搜索其他设备。 PPS可以搜索用户的社交网络内容以确定任何邻近设备用户是否可能是对方。如果识别出不止一个可能的对方，则PPS可以根据定义与用户的连接强度的预先设定的一组因素对对方进行排序。这些因素可能包括其在用户社交网络中的状态，联系频率，先前交易或进一步建立关系的其他因素。 PPS可以将可能的对方的排名列表发送到PPA以在设备上向用户显示。

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