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11. 发明授权

US08719154B2 Reputation integration into remittance delivery 有权
标题翻译：声誉融入汇款交付
公开(公告)号：US08719154B2
公开(公告)日：2014-05-06
申请号：US11642030
申请日：2006-12-19
申请人： Vishwanath Shastry , Kristen Ondeck , David Jesse
发明人： Vishwanath Shastry , Kristen Ondeck , David Jesse
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q30/0283
摘要： One embodiment provides a method of delivering a remittance from a first party to a third party via an intermediary party, in which an intermediary fee is chargeable by the intermediary party. The method includes: receiving, at a payment system, a request to conduct a remittance transaction including a transfer of a first value from a first party to an account of an intermediary party, and by the intermediary party to transfer at least a portion of the first value to a third party; accessing reputation data associated with the intermediary party; and determining an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party, the determining of the intermediary fee being based on the reputation data. The reputation data can be information about the intermediary party, as well as the first party and/or the third party.
摘要翻译：一个实施例提供了一种通过中介方从第一方向第三方递送汇款的方法，其中中介费用由中介方收费。该方法包括：在支付系统处接收进行汇款交易的请求，包括将第一价值从第一方转移到中介方的账户，并由中介方转移至少一部分对第三方的第一个价值; 访问与中介方有关的信誉数据; 以及确定由中介方向第三方转让至少部分第一价值的中介费用，中介费用的确定是基于信誉数据。声誉数据可以是关于中间方以及第一方和/或第三方的信息。

12. 发明申请

US20120203692A1 Centralized Transaction Record Storage 有权
标题翻译：集中交易记录存储
公开(公告)号：US20120203692A1
公开(公告)日：2012-08-09
申请号：US13450200
申请日：2012-04-18
申请人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
发明人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
IPC分类号： G06Q40/00
CPC分类号： G06Q20/102 , G06F17/30873 , G06Q20/0453 , G06Q20/10 , G06Q30/06 , G06Q40/02 , G06Q40/10 , G06Q40/12
摘要： A system according to an embodiment comprises a plurality of searchable machine-readable transaction records associated with a plurality of user accounts, the searchable machine-readable transaction records comprising transaction information associated with a plurality of user-merchant transactions, wherein the transaction information is provided by merchant server(s) and is captured and passed by one or more users to the system in response to a determination performed at a respective client device of the user(s) that a webpage comprises transaction information such that an address of the webpage matches an address in a transaction webpage database; one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the processor(s) are adapted to cause the system to provide: a transaction record processing application configured to store the captured transaction information in the searchable machine-readable transaction records associated with the user accounts on the system.
摘要翻译：根据实施例的系统包括与多个用户帐户相关联的多个可搜索的机器可读交易记录，所述可搜索机器可读交易记录包括与多个用户 - 商家交易相关联的交易信息，其中提供交易信息通过商家服务器，并且响应于在用户的相应客户端设备执行的确定，一个或多个用户被捕获并被一个或多个用户传递到系统，网页包括交易信息，使得网页的地址匹配交易网页数据库中的地址; 一个或多个处理器; 以及适于存储多个机器可读指令的一个或多个存储器，所述多个机器可读指令当由所述处理器执行时适于使所述系统提供：交易记录处理应用，被配置为将所捕获的交易信息存储在所述可搜索的机器可读指令中，与系统上的用户帐户相关联的可读事务记录。

13. 发明授权

US08024267B2 Centralized transaction record storage 有权
标题翻译：集中交易记录存储
公开(公告)号：US08024267B2
公开(公告)日：2011-09-20
申请号：US11855408
申请日：2007-09-14
申请人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
发明人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
IPC分类号： G06Q40/00 , G06F17/30
CPC分类号： G06Q20/102 , G06F17/30873 , G06Q20/0453 , G06Q20/10 , G06Q30/06 , G06Q40/02 , G06Q40/10 , G06Q40/12
摘要： Various methods and systems are provided to permit the storage of online transaction records associated with user-merchant transactions facilitated by a payment service provider. In one example, such transaction records may be aggregated by the payment service provider to permit a user to search the records. In another example, such transaction records may be associated with user-selectable links to permit users to reorder previously purchased items referenced by the transaction records. In yet another example, such transaction records may be associated with warranty information to permit users to conveniently view warranty details associated with previously purchased items. In a further example, a client device may be implemented to determine whether a webpage includes transaction information associated with a user-merchant transaction. The transaction information may be captured and passed by the client device over a network in order to facilitate storage of the transaction information in a transaction record.
摘要翻译：提供各种方法和系统以允许存储与由支付服务提供商促进的用户 - 商家交易相关联的在线交易记录。在一个示例中，这种交易记录可以由支付服务提供商聚合以允许用户搜索记录。在另一个示例中，这样的交易记录可以与用户可选择的链接相关联，以允许用户重新排序由交易记录引用的先前购买的商品。在另一个例子中，这种交易记录可以与保修信息相关联，以便用户方便地查看与先前购买的商品相关的保修细节。在另一示例中，可以实现客户端设备以确定网页是否包括与用户 - 商家交易相关联的交易信息。交易信息可以被客户端设备通过网络捕获和传递，以便于将交易信息存储在交易记录中。

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