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1. 发明申请

US20120150738A1 SYSTEMS AND METHODS FOR AUTOMATED PREFUNDING OF COMMERCIAL PAYMENTS 审中-公开
标题翻译：用于自动预付商业支付的系统和方法
公开(公告)号：US20120150738A1
公开(公告)日：2012-06-14
申请号：US13316214
申请日：2011-12-09
申请人： Allen O. Cage , Steve A. Carlson , Kevin Woods
发明人： Allen O. Cage , Steve A. Carlson , Kevin Woods
IPC分类号： G06Q20/14 , G06Q20/40
CPC分类号： G06Q10/00 , G06Q20/00 , G06Q20/102
摘要： Methods and systems for prefunded accounts are disclosed, which feature controlled credit limits on cards at the time of prefunding validation, creation of files that are electronically passed to a funding source, and implementation of a single use account. Various types of funding mechanisms can be utilized, including, ACH, wire transfer, or traditional check-based systems. According to the invention, an invoice that names a buying organization can be received by an entity offering prefunded account solutions. This can result in payment instructions being generated and funds being transferred from the organization to a funding entity. Once approval of a payment is received, a funded account can be created by transferring funding information by the solutions provider on behalf of the funding entity to a payment facilitator. When the seller generates account charge instructions, funds can be transferred from the payment facilitator to the seller.
摘要翻译：披露了用于资金清算的帐户的方法和系统，其中在预付款验证时具有卡上受控的信用额度限制，创建以电子方式传递给资金来源的文件，以及实施单一使用账户。可以利用各种类型的资金机制，包括ACH，电汇或传统的基于支票的系统。根据本发明，提供购买组织的发票可以由提供预先清算的帐户解决方案的实体接收。这可能导致付款指示生成，资金从组织转移到融资实体。一旦收到付款通知，可以通过将解决方案提供商代表融资实体的资金信息转移给支付协调人，从而创建一个资金账户。当卖家产生帐户费用指示时，资金可以从支付协助人转移给卖方。

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