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    • 29. 发明授权
    • Payment clearing network for electronic financial transactions and related personal financial transaction device
    • 电子金融交易支付结算网络和相关个人金融交易设备
    • US09342823B2
    • 2016-05-17
    • US11969711
    • 2008-01-04
    • Wenceslao CasaresFederico H. Murrone
    • Wenceslao CasaresFederico H. Murrone
    • G06Q20/00G06Q40/00G06Q20/10G06Q20/20G06Q20/40G06Q40/02
    • G06Q20/10G06Q20/20G06Q20/204G06Q20/40G06Q40/02
    • Described herein are networks and related devices and methods for facilitating the electronic transfer of funds and electronic purchases between consumers, merchants, and other parties. Also facilitated by the principles described herein is the electronic transfer of funds or payments between individuals. The disclosed principles provide for the funds of a user's account to never leave his original financial account until the financial transaction takes place. Thus, no special accounts within the payment system are required to be opened, maintained, or funded by a user. Instead, funds are simply transferred to or from a user's associated financial account by the financial institution maintaining that account and in accordance with instructions from the network. Thus, the present disclosure provides for fund transfers and purchases between parties in a secure, efficient, and the user-friendly manner. The disclosed principles provide for such transactions using, in some embodiments, portable devices, which may be dedicated devices associated with the disclosed network, or available consumer devices configured to operate with the network.
    • 这里描述的是用于促进消费者,商家和其他方之间的资金和电子购买的电子转移的网络和相关装置和方法。 本文所述的原则也促进了个人之间的资金或付款的电子转移。 披露的原则规定用户帐户的资金在金融交易发生之前不会离开其原始财务账户。 因此,支付系统内不需要由用户开立,维护或资助特殊帐户。 相反,资金只是由维护该账户的金融机构根据用户的相关金融账户进行转账,并根据网络的指示。 因此,本披露以安全,有效和用户友好的方式提供了各方之间的资金转移和采购。 所公开的原则在一些实施例中使用便携式设备(其可以是与所公开的网络相关联的专用设备)或被配置为与网络一起操作的可用消费者设备来提供这种事务。