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1. 发明申请

US20070233599A1 Systems and Methods for Hold Periods Based Upon Risk Analysis 审中-公开
标题翻译：基于风险分析的持续期制度与方法
公开(公告)号：US20070233599A1
公开(公告)日：2007-10-04
申请号：US11757021
申请日：2007-06-01
申请人： Ravi Ganesan , Timothy Renshaw , Peter Moenickheim , Paul Lyda , Cheryl Ward , Peter Kight
发明人： Ravi Ganesan , Timothy Renshaw , Peter Moenickheim , Paul Lyda , Cheryl Ward , Peter Kight
IPC分类号： G06Q99/00
CPC分类号： G06Q40/02 , G06Q20/04 , G06Q20/102 , G06Q20/24 , G06Q20/403
摘要： Systems and methods are provided for determining hold periods based upon risk analysis. The systems and methods may include receiving, via a network, a payment request to make a payment on behalf of a payor to a payee and directing a debit in an amount associated with the payment request from an account associated with the payor at a first time. The systems and methods may further include determining a hold period based upon a risk analysis of the payor, and directing a credit in the amount of the payment to the payee a second time, where the hold period determines a time period between the first time and the second time.
摘要翻译：提供了系统和方法，用于根据风险分析确定保持期。系统和方法可以包括经由网络接收支付请求，以代表支付者向收款人进行支付，并且将与支付请求相关联的金额从第一次从付款人相关联的帐户中引导。系统和方法可以进一步包括基于付款人的风险分析来确定保留期限，以及第二次将支付金额指定给收款人的金额，其中保留期间确定第一次和第第二次

2. 发明授权

US07502749B2 Method and system for making a monetary gift 有权
标题翻译：制作礼物的方法和制度
公开(公告)号：US07502749B2
公开(公告)日：2009-03-10
申请号：US09849979
申请日：2001-05-08
申请人： Ravi Ganesan , Timothy Scott Renshaw , Peter Kight
发明人： Ravi Ganesan , Timothy Scott Renshaw , Peter Kight
IPC分类号： G06Q17/30 , G06F17/30
CPC分类号： G06Q20/10 , G06Q30/02
摘要： A method, system and article of manufacture for making a monetary gift. The system includes a communications port, a memory, and a processor. The processor functions to perform the method of the present invention. A request to make a monetary gift to a recipient on behalf of a donor is received. An input associated with an electronic greeting card is also received. The request and the input are processed to generate the electronic greeting card with a notification of the gift. The electronic greeting card is transmitted to the recipient, and the gift is credited to the recipient's bank account.
摘要翻译：制造货币的方法，制度和制品。该系统包括通信端口，存储器和处理器。处理器用于执行本发明的方法。收到代表捐赠人向接收人赠送货币的要求。还接收与电子贺卡相关联的输入。处理请求和输入以产生具有礼物通知的电子贺卡。电子贺卡被传送给收件人，礼物被记入收件人的银行账户。

3. 发明授权

US08595100B2 Inter-network financial service 有权
标题翻译：网络间金融服务
公开(公告)号：US08595100B2
公开(公告)日：2013-11-26
申请号：US12551249
申请日：2009-08-31
申请人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, Jr. , Hans Daniel Dreyer
发明人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, Jr. , Hans Daniel Dreyer
IPC分类号： G06Q40/00
CPC分类号： G06Q20/027 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/12 , G06Q20/382 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider. The first payment service provider supports a first payment network within a plurality of payment networks that each include a respective plurality of payers and payees. The payer is one of the plurality of payers and payees associated with the first payment network, and the payor is not one of the plurality of payers and payees associated with the first payment network. A second payment network within the plurality of payment networks with which the payee is associated is identified by the first payment service provider. A payment instruction to make the payment to the payee is transmitted by the first payment service provider to a second payment service provider associated with the second payment network.
摘要翻译：提供了代付款人向收款人付款的系统和方法。在第一支付服务提供商处收到代表付款人向收款人付款的请求。第一支付服务提供商支持在多个支付网络内的第一支付网络，每个支付网络包括相应的多个付款人和收款人。付款人是与第一支付网络相关联的多个付款人和收款人之一，并且付款人不是与第一支付网络相关联的多个付款人和收款人中的一个。由第一支付服务提供商识别与收款人相关联的多个支付网络内的第二支付网络。将支付给收款人的支付指令由第一支付服务提供商发送到与第二支付网络相关联的第二支付服务提供商。

4. 发明申请

US20100017332A1 INTER-NETWORK FINANCIAL SERVICE 有权
标题翻译：互联网金融服务
公开(公告)号：US20100017332A1
公开(公告)日：2010-01-21
申请号：US12551249
申请日：2009-08-31
申请人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
发明人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
IPC分类号： G06Q20/00 , H04L9/00
CPC分类号： G06Q20/027 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/12 , G06Q20/382 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider. The first payment service provider supports a first payment network within a plurality of payment networks that each include a respective plurality of payers and payees. The payer is one of the plurality of payers and payees associated with the first payment network, and the payor is not one of the plurality of payers and payees associated with the first payment network. A second payment network within the plurality of payment networks with which the payee is associated is identified by the first payment service provider. A payment instruction to make the payment to the payee is transmitted by the first payment service provider to a second payment service provider associated with the second payment network.
摘要翻译：提供了代付款人向收款人付款的系统和方法。在第一支付服务提供商处收到代表付款人向收款人付款的请求。第一支付服务提供商支持在多个支付网络内的第一支付网络，每个支付网络包括相应的多个付款人和收款人。付款人是与第一支付网络相关联的多个付款人和收款人之一，并且付款人不是与第一支付网络相关联的多个付款人和收款人中的一个。由第一支付服务提供商识别与收款人相关联的多个支付网络内的第二支付网络。将支付给收款人的支付指令由第一支付服务提供商发送到与第二支付网络相关联的第二支付服务提供商。

5. 发明申请

US20120271761A1 INTER-NETWORK FINANCIAL SERVICE 审中-公开
标题翻译：互联网金融服务
公开(公告)号：US20120271761A1
公开(公告)日：2012-10-25
申请号：US13539241
申请日：2012-06-29
申请人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
发明人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
IPC分类号： G06Q20/10
CPC分类号： G06Q20/027 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/12 , G06Q20/382 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider. The first payment service provider supports a first payment network within a plurality of payment networks that each include a respective plurality of payers and payees. The payer is one of the plurality of payers and payees associated with the first payment network, and the payor is not one of the plurality of payers and payees associated with the first payment network. A second payment network within the plurality of payment networks with which the payee is associated is identified by the first payment service provider. A payment instruction to make the payment to the payee is transmitted by the first payment service provider to a second payment service provider associated with the second payment network.
摘要翻译：提供了代付款人向收款人付款的系统和方法。在第一支付服务提供商处收到代表付款人向收款人付款的请求。第一支付服务提供商支持在多个支付网络内的第一支付网络，每个支付网络包括相应的多个付款人和收款人。付款人是与第一支付网络相关联的多个付款人和收款人之一，并且付款人不是与第一支付网络相关联的多个付款人和收款人中的一个。由第一支付服务提供商识别与收款人相关联的多个支付网络内的第二支付网络。将支付给收款人的支付指令由第一支付服务提供商发送到与第二支付网络相关联的第二支付服务提供商。

6. 发明授权

US07788172B2 Inter-network electronic billing 有权
标题翻译：网络间电子计费
公开(公告)号：US07788172B2
公开(公告)日：2010-08-31
申请号：US09984568
申请日：2001-10-30
申请人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, Jr. , Hans Dreyer
发明人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, Jr. , Hans Dreyer
IPC分类号： G06Q40/00
CPC分类号： G06Q20/027 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/12 , G06Q20/382 , G06Q30/04 , G06Q40/00
摘要： A method and system for electronic billing across unassociated electronic bill presentment networks is provided. Each network includes a billing service provider. A request to receive an electronic bill from a biller not associated with a first network is received by a first billing service provider. A request to determine a network with which the biller is associated is transmitted by the first billing service provider. In response to this determination request, information indicating that the biller is associated with a second network is received. An activation instruction to receive electronic bills is transmitted from the first billing service provider to a second billing service provider which is a part of the network with which the biller is associated.
摘要翻译：提供了一种用于跨越不相关的电子账单呈现网络的电子计费的方法和系统。每个网络包括计费服务提供商。由第一计费服务提供商接收从不与第一网络相关联的发件人接收电子账单的请求。由第一计费服务提供商发送用于确定与该账户相关联的网络的请求。响应于该确定请求，接收到指示与第二网络相关联的报文的信息。用于接收电子账单的激活指令从第一计费服务提供商发送到第二计费服务提供商，该第二计费服务提供商是与该账户相关的网络的一部分。

7. 发明授权

US07146338B2 Inter-network financial service 有权
公开(公告)号：US07146338B2
公开(公告)日：2006-12-05
申请号：US09892897
申请日：2001-06-28
申请人： Peter Kight , Ravi Ganesan , Matt Lewis , Kenneth Hobday , Hans Dreyer
发明人： Peter Kight , Ravi Ganesan , Matt Lewis , Kenneth Hobday , Hans Dreyer
IPC分类号： G06Q40/00
CPC分类号： G06Q20/027 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/12 , G06Q20/382 , G06Q30/04 , G06Q40/00
摘要： The present invention provides a method and system for making inter-network payments. A payment request to make a payment on behalf of a payer to a payee is received. A first payment service provider receives this request. The payment is directed to a payee that is associated with a second payment service provider. The first payment service provider determines the identity of the second payment service provider and transmits a payment instruction to the second payment service provider to complete the payment.

8. 发明授权

US08620782B2 Inter-network electronic billing 有权
标题翻译：网络间电子计费
公开(公告)号：US08620782B2
公开(公告)日：2013-12-31
申请号：US12551253
申请日：2009-08-31
申请人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, Jr. , Hans Daniel Dreyer
发明人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, Jr. , Hans Daniel Dreyer
IPC分类号： G06Q40/00
CPC分类号： G06Q20/027 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/12 , G06Q20/382 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for electronic billing activation are provided. A request on behalf of a payer to activate electronic billing from a biller for the payer is received by a first electronic financial service provider (EFSP) that supports a first of a plurality of electronic financial service networks (EFSNs) from a second EFSP that supports a second of the plurality of EFSNs. Each of the plurality of EFSNs includes a respective plurality of billers or payers, and the biller is associated with the first EFSN and not associated with the second EFSN, while the payer is not associated with the first EFSN. In response to the received request, activation confirmation information is transmitted by the first EFSP to the second EFSP. The electronic billing activation enables subsequent electronic transmission of a bill from the biller for the payer.
摘要翻译：提供了用于电子计费激活的系统和方法。代表付款人从支付者的账单中激活电子账单的请求由第一电子金融服务提供商（EFSP）接收，该第一电子金融服务提供商（EFSP）从支持多个电子金融服务网络（EFSN）的第一个EFSP支持是多个EFSN中的第二个。多个EFSN中的每一个包括相应的多个帐单者或支付者，并且所述账单与所述第一EFSN相关联并且不与所述第二EFSN相关联，而所述付款者不与所述第一EFSN相关联。响应于接收到的请求，激活确认信息由第一EFSP发送到第二EFSP。电子计费激活使得后续电子传输用于付款者的账单的账单。

9. 发明授权

US07953660B2 Method and system for payment processing 有权
标题翻译：支付处理方法和系统
公开(公告)号：US07953660B2
公开(公告)日：2011-05-31
申请号：US09820803
申请日：2001-03-30
申请人： Ravi Ganesan , Peter Kight , Jim Magers , Tim Herdklotz
发明人： Ravi Ganesan , Peter Kight , Jim Magers , Tim Herdklotz
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/12
摘要： The present invention provides a method, system, and article of manufacture for providing payment services on a network. Information identifying a network user is received. The network user is assigned a payer status. A request to make a payment to a payee on behalf of the network user is received. If a first payer status is assigned to the network user, the payment will be made no matter the identity of the payee. If a second payer status is assigned to the network user, the payment will only be made if the payee is one of a group of payees that is not determined by the network user. With the second payer status, the network user can only direct payments to the group of payees. The payer status can be changed from one payer status to another payer status.
摘要翻译：本发明提供了一种用于在网络上提供支付服务的方法，系统和制品。接收到识别网络用户的信息。网络用户被分配了付款人状态。收到代表网络用户向收款人付款的请求。如果向网络用户分配了第一个付款人身份，则无论收款人的身份如何，都将进行付款。如果向网络用户分配第二付款人身份，则只有在收款人是不是由网络用户确定的一组收款人之一时才进行支付。通过第二个付款人身份，网络用户只能直接向付款人组付款。付款人状态可以从一个付款人状态更改为另一个付款人状态。

10. 发明申请

US20090319410A1 Inter-Network Electronic Billing 有权
标题翻译：网络间电子计费
公开(公告)号：US20090319410A1
公开(公告)日：2009-12-24
申请号：US12551253
申请日：2009-08-31
申请人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
发明人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
IPC分类号： G06Q30/00 , G06Q20/00 , G06F15/16
CPC分类号： G06Q20/027 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/12 , G06Q20/382 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for electronic billing activation are provided. A request on behalf of a payer to activate electronic billing from a biller for the payer is received by a first electronic financial service provider (EFSP) that supports a first of a plurality of electronic financial service networks (EFSNs) from a second EFSP that supports a second of the plurality of EFSNs. Each of the plurality of EFSNs includes a respective plurality of billers or payers, and the biller is associated with the first EFSN and not associated with the second EFSN, while the payer is not associated with the first EFSN. In response to the received request, activation confirmation information is transmitted by the first EFSP to the second EFSP. The electronic billing activation enables subsequent electronic transmission of a bill from the biller for the payer.
摘要翻译：提供了用于电子计费激活的系统和方法。代表付款人从支付者的账单中激活电子账单的请求由第一电子金融服务提供商（EFSP）接收，该第一电子金融服务提供商（EFSP）从支持多个电子金融服务网络（EFSN）的第一个EFSP支持是多个EFSN中的第二个。多个EFSN中的每一个包括相应的多个帐单者或支付者，并且所述账单与所述第一EFSN相关联并且不与所述第二EFSN相关联，而所述付款者不与所述第一EFSN相关联。响应于接收到的请求，激活确认信息由第一EFSP发送到第二EFSP。电子计费激活使得后续电子传输用于付款者的账单的账单。

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