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1. 发明授权

US08650122B2 System and method for automated debiting and settling of financial transactions 有权
标题翻译：自动借记和结算金融交易的制度和方法
公开(公告)号：US08650122B2
公开(公告)日：2014-02-11
申请号：US12081493
申请日：2008-04-16
申请人： Ronald Padalino , Nigel Pinnell , Philip C. Shinn , Wigberto Yu
发明人： Ronald Padalino , Nigel Pinnell , Philip C. Shinn , Wigberto Yu
IPC分类号： G06Q40/00 , G06Q20/10 , G06Q40/02 , G06Q20/40
CPC分类号： G06Q20/108 , G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.
摘要翻译：提供了一种自动结算和在线借入金融交易（如紧急现金交易）的方法和系统。银行客户进入外资银行，表示需要紧急现金。给客户一个电话，客户通过该电话与客户语言的交互式语音响应系统进行通信。该系统将客户与客户的家庭银行挂钩，该银行批准所要求的紧急现金。与语音响应系统通信的网络和发行者自动发起客户账户的在线借记。网络还通过结算账户启动并实施了收购方与发行人之间的结算。

2. 发明申请

US20080195539A1 System and method for automated debiting and settling of financial transactions 有权
标题翻译：自动借记和结算金融交易的制度和方法
公开(公告)号：US20080195539A1
公开(公告)日：2008-08-14
申请号：US12081493
申请日：2008-04-16
申请人： Ronaldo Padalino , Nigel Pinnell , Philip C. Shinn , Wigberto Yu
发明人： Ronaldo Padalino , Nigel Pinnell , Philip C. Shinn , Wigberto Yu
IPC分类号： G06Q40/00
CPC分类号： G06Q20/108 , G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.
摘要翻译：提供了一种自动结算和在线借入金融交易（如紧急现金交易）的方法和系统。银行客户进入外资银行，表示需要紧急现金。给客户一个电话，客户通过该电话与客户语言的交互式语音响应系统进行通信。该系统将客户与客户的家庭银行挂钩，该银行批准所要求的紧急现金。与语音响应系统通信的网络和发行者自动发起客户账户的在线借记。网络还通过结算账户启动并实施了收购方与发行人之间的结算。

3. 外观设计

USD453766S1 Icon for a personal computer 失效
标题翻译：个人电脑图标
公开(公告)号：USD453766S1
公开(公告)日：2002-02-19
申请号：US29101358
申请日：1999-03-02
申请人： Michael L. Grandcolas , Patrick Law , Nigel Pinnell , Ashwin Doshi
设计人： Michael L. Grandcolas , Patrick Law , Nigel Pinnell , Ashwin Doshi

4. 发明授权

US5825003A Customer-directed, automated process for transferring funds between accounts using a holding account and local processing 失效
标题翻译：以客户为导向的自动化流程，用于在使用持有账户和本地处理的账户之间转账
公开(公告)号：US5825003A
公开(公告)日：1998-10-20
申请号：US795355
申请日：1997-02-04
申请人： Horton Jennings , Nigel Pinnell , Khanh Do , Virendrakumar Shah , Marjorie Profumo , John Downing , Neil Goodhand , Marion Maino , Michael H. Thompson
发明人： Horton Jennings , Nigel Pinnell , Khanh Do , Virendrakumar Shah , Marjorie Profumo , John Downing , Neil Goodhand , Marion Maino , Michael H. Thompson
IPC分类号： G07F19/00 , G06Q20/00 , G06Q40/00 , G07F7/10 , G06F17/60
CPC分类号： G06Q40/02 , G06Q20/02 , G06Q20/023 , G06Q20/04 , G06Q20/10 , G06Q20/341 , G06Q20/381 , G07F7/0886 , G07F7/1008
摘要： A system and method for allowing funds to be transferred instantly to an account so that the funds are available to the beneficiary at the time they are sent, based on customer information which can be automatically accessed by the system, rather than needing to be manually entered. Further, the system automatically computes the appropriate exchange rate and any fees to be charged to the account and displays them to the user so that the user may authorize or cancel the transaction. They system also analyzes the parameters of the transfer to assure that the transfer conforms with pertinent government regulations. The system also enables the user to quantify the amount to be transferred in the currency of the originating account or the currency of the receiving account, thereby maximizing the flexibility of the system. The system further is designed so that it can be understood and accessed by individuals having no special expertise in computers, wire transfers and the like. Further, the system is provided with various safeguards to assure that only authorized individuals have access to the accounts and the funds and immediately verifies successful completion or failure to the customer.
摘要翻译：一种用于允许资金立即转入账户的系统和方法，以便根据可由系统自动访问的客户信息，而不需要手动输入，在受益人发送时可以向受益人提供资金。此外，系统自动计算适当的汇率和向帐户收取的任何费用，并将其显示给用户，以便用户可以授权或取消交易。他们的制度也分析转让的参数，确保转让符合有关的政府法规。该系统还使得用户能够以原始账户的货币或接收账户的货币量化要转移的金额，从而最大化系统的灵活性。该系统进一步设计成使得可以在计算机，电汇等中没有专门知识的个人理解和访问该系统。此外，系统还提供了各种保障措施，以确保只有授权的个人能够访问账户和资金，并立即验证成功完成或失败给客户。

5. 发明授权

US07376622B1 System and method for automated debiting and settling of financial transactions 有权
公开(公告)号：US07376622B1
公开(公告)日：2008-05-20
申请号：US09387381
申请日：1999-09-02
申请人： Ronald Padalino , Nigel Pinnell , Philip C. Shinn , Wigberto Yu
发明人： Ronald Padalino , Nigel Pinnell , Philip C. Shinn , Wigberto Yu
IPC分类号： G06Q40/00
CPC分类号： G06Q20/108 , G06Q20/10 , G06Q20/1085 , G06Q20/40 , G06Q40/00 , G06Q40/02
摘要： A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.

6. 外观设计

USD419543S Banking interface 失效
公开(公告)号：USD419543S
公开(公告)日：2000-01-25
申请号：US74594
申请日：1997-08-06
申请人： Lucilla Warren , Nigel Pinnell , Michael Grandcolas , Greg Johnson
设计人： Lucilla Warren , Nigel Pinnell , Michael Grandcolas , Greg Johnson

7. 发明授权

US07606770B2 System and method for performing an on-line transaction using a single-use payment instrument 有权
标题翻译：使用一次性支付工具执行在线交易的系统和方法
公开(公告)号：US07606770B2
公开(公告)日：2009-10-20
申请号：US12153876
申请日：2008-05-27
申请人： Nigel Pinnell
发明人： Nigel Pinnell
IPC分类号： G06Q99/00
CPC分类号： G06Q20/04 , G06Q20/102 , G06Q20/108 , G06Q20/28 , G06Q20/342 , G06Q20/367 , G06Q20/3672 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G07F7/025
摘要： A system and method for performing an on-line transaction, such as making a payment, with a single-use payment instrument makes use of computer hardware and software, such as the computing device of a customer, the customer's bank's home banking server, the bank's card authorization server, a vendor's website server, and the vendor's credit card acquirer, coupled to one another over a network. The customer is issued a single use payment instrument through the bank, the bank debits an account nominated by the customer for the requested value of the payment instrument and may also specify an expiry for the payment instrument. The customer is able to nominate a particular source of funds for each transaction from among various accounts of the customer. The payment instrument settles and clears through existing credit card payment mechanisms without a need for special accommodation with the Internet vendor.
摘要翻译：使用一次性支付工具进行在线交易（例如付款）的系统和方法利用计算机硬件和软件，例如客户的计算设备，客户银行的家庭银行服务器，银行卡授权服务器，供应商的网站服务器和供应商的信用卡采购方，通过网络彼此耦合。客户通过银行发行一次性支付工具，银行借记客户提交的帐户所要求的付款工具的价值，也可以指定支付工具的有效期。客户能够从客户的各种账户中为每个交易提名特定的资金来源。支付工具通过现有的信用卡支付机制解决和清除，无需与互联网供应商进行特殊的住宿。

8. 发明申请

US20080243689A1 System and method for performing an on-line transaction using a single-use payment instrument 有权
公开(公告)号：US20080243689A1
公开(公告)日：2008-10-02
申请号：US12153876
申请日：2008-05-27
申请人： Nigel Pinnell
发明人： Nigel Pinnell
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/04 , G06Q20/102 , G06Q20/108 , G06Q20/28 , G06Q20/342 , G06Q20/367 , G06Q20/3672 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G07F7/025
摘要： A system and method for performing an on-line transaction, such as making a payment, with a single-use payment instrument makes use of computer hardware and software, such as the computing device of a customer, the customer's bank's home banking server, the bank's card authorization server, a vendor's website server, and the vendor's credit card acquirer, coupled to one another over a network. The customer is issued a single use payment instrument through the bank, the bank debits an account nominated by the customer for the requested value of the payment instrument and may also specify an expiry for the payment instrument. The customer is able to nominate a particular source of funds for each transaction from among various accounts of the customer. The payment instrument settles and clears through existing credit card payment mechanisms without a need for special accommodation with the Internet vendor.

9. 发明授权

US07398253B1 System and method for performing an on-line transaction using a single-use payment instrument 有权
标题翻译：使用一次性支付工具执行在线交易的系统和方法
公开(公告)号：US07398253B1
公开(公告)日：2008-07-08
申请号：US09641896
申请日：2000-08-18
申请人： Nigel Pinnell
发明人： Nigel Pinnell
IPC分类号： G06Q99/00
CPC分类号： G06Q20/04 , G06Q20/102 , G06Q20/108 , G06Q20/28 , G06Q20/342 , G06Q20/367 , G06Q20/3672 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G07F7/025
摘要： A system and method for performing an on-line transaction, such as making a payment, with a single-use payment instrument makes use of computer hardware and software, such as the computing device of a customer, the customer's bank's home banking server, the bank's card authorization server, a vendor's website server, and the vendor's credit card acquirer, coupled to one another over a network. The customer is issued a single use payment instrument through the bank, the bank debits an account nominated by the customer for the requested value of the payment instrument and may also specify an expiry for the payment instrument. The customer is able to nominate a particular source of funds for each transaction from among various accounts of the customer. The payment instrument settles and clears through existing credit card payment mechanisms without a need for special accommodation with the Internet vendor.
摘要翻译：使用一次性支付工具进行在线交易（例如付款）的系统和方法利用计算机硬件和软件，例如客户的计算设备，客户银行的家庭银行服务器，银行卡授权服务器，供应商的网站服务器和供应商的信用卡采购方，通过网络彼此耦合。客户通过银行发行一次性支付工具，银行借记客户提交的帐户所要求的付款工具的价值，也可以指定支付工具的有效期。客户能够从客户的各种账户中为每个交易提名特定的资金来源。支付工具通过现有的信用卡支付机制解决和清除，无需与互联网供应商进行特殊的住宿。

10. 发明授权

US5659165A Customer-directed, automated process for transferring funds between accounts via a communications network 失效
标题翻译：以客户为导向的自动化流程，通过通信网络在账户之间转账
公开(公告)号：US5659165A
公开(公告)日：1997-08-19
申请号：US505886
申请日：1995-07-24
申请人： Horton Jennings , Nigel Pinnell , Khanh Do , Virendrakumar Shah , Marjorie Profumo , John Downing , Neil Goodhand , Marion Maino , Michael H. Thompson
发明人： Horton Jennings , Nigel Pinnell , Khanh Do , Virendrakumar Shah , Marjorie Profumo , John Downing , Neil Goodhand , Marion Maino , Michael H. Thompson
IPC分类号： G07F19/00 , G06Q20/04 , G06Q20/10 , G06Q20/34 , G06Q20/38 , G07F7/10 , G06F17/60
CPC分类号： G07F7/1008 , G06Q20/04 , G06Q20/10 , G06Q20/341 , G06Q20/381 , G06Q40/02 , G07F7/0886
摘要： A system and method for allowing funds to be transferred instantly to an account so that the funds are available to the beneficiary at the time they are sent, based on customer information which can be automatically accessed by the system, rather than needing to be manually entered. Further, the system automatically computes the appropriate exchange rate and any fees to be charged to the account and displays them to the user so that the user may authorize or cancel the transaction. The system also analyzes the parameters of the transfer to assure that the transfer conforms with pertinent government regulations. The system also enables the user to quantify the amount to be transferred in the currency of the originating account or the currency of the receiving account, thereby maximizing the flexibility of the system. The system further is designed so that it can be understood and accessed by individuals having no special expertise in computers, wire transfers and the like. Further, the system is provided with various safeguards to assure that only authorized individuals have access to the accounts and the funds and immediately verifies successful completion or failure to the customer.
摘要翻译：一种用于允许资金立即转入账户的系统和方法，以便根据可由系统自动访问的客户信息，而不需要手动输入，在受益人发送时可以向受益人提供资金。此外，系统自动计算适当的汇率和向帐户收取的任何费用，并将其显示给用户，以便用户可以授权或取消交易。该制度还对转让的参数进行了分析，以确保转让符合相关政府法规。该系统还使得用户能够以原始账户的货币或接收账户的货币量化要转移的金额，从而最大化系统的灵活性。该系统进一步设计成使得可以在计算机，电汇等中没有专门知识的个人理解和访问该系统。此外，系统还提供了各种保障措施，以确保只有授权的个人能够访问账户和资金，并立即验证成功完成或失败给客户。

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