专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明申请

US20070043683A1 Metadata driven methods and systems to process financial data 有权
标题翻译：元数据驱动的方法和系统来处理财务数据
公开(公告)号：US20070043683A1
公开(公告)日：2007-02-22
申请号：US11506983
申请日：2006-08-18
申请人： Qilin Hu
发明人： Qilin Hu
IPC分类号： H04K1/00 , H04L9/00 , G06Q99/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/3829 , G06Q50/188
摘要： Metadata driven methods and systems utilized to process financial data include a method to generate a plurality of first acquirer dependent software components based on a first acquirer settlement metadata file that corresponds to a first acquirer. The first acquirer dependent software components are used to generate an acquirer settlement file based on financial data. The acquirer settlement file is communicated to the first acquirer that is included in an automatic clearing house system that processes the financial data. In addition, the metadata driven methods and systems utilized to process financial data include a method to generate a plurality of first acquirer dependent software components based on a first acquirer return metadata file that corresponds to a first acquirer. The first acquirer dependent software components are used to process an acquirer return file that is received from the first acquirer and includes financial data. The first acquirer is included in an automatic clearing house system.
摘要翻译：用于处理财务数据的元数据驱动方法和系统包括基于与第一获取方对应的第一获取方结算元数据文件来生成多个第一获取方依赖软件组件的方法。第一个获取方依赖的软件组件用于基于财务数据生成收购方结算文件。将收单方结算文件传送给处理财务数据的自动结算所系统中包含的第一收购方。另外，用于处理财务数据的元数据驱动方法和系统包括基于与第一获取方对应的第一获取方返回元数据文件生成多个第一获取方依赖软件组件的方法。第一个获取方依赖的软件组件用于处理从第一个收单方收到的收单方返回文件，并包含财务数据。第一个收单方包含在自动结算所系统中。

2. 发明授权

US06453356B1 Data exchange system and method 失效
标题翻译：数据交换系统和方法
公开(公告)号：US06453356B1
公开(公告)日：2002-09-17
申请号：US09060667
申请日：1998-04-15
申请人： Nicolas C. Sheard , Larry J. Fischer , Richard W. Matthews , Gurla Himabindu , Qilin Hu , Wendy J. Zheng , Boyle Y. Mow
发明人： Nicolas C. Sheard , Larry J. Fischer , Richard W. Matthews , Gurla Himabindu , Qilin Hu , Wendy J. Zheng , Boyle Y. Mow
IPC分类号： G06F1516
CPC分类号： H04L67/2823 , G06F8/34 , G06F17/2247 , G06F17/2264 , H04L29/06 , H04L67/28 , H04L67/36 , H04L69/08 , H04L69/329
摘要： A system and method for exchanging data between two or more applications includes a data exchange engine and a number of adapters associated with a corresponding number of applications. Each of the adapters is customized to interface with a corresponding application and transforms data being transferred between the application and the data exchange engine. Data produced by a particular application is converted from a technology dependent form to a technology independent form by the corresponding adapter. In one embodiment, the format associated with a data stream is disassociated from the informational content of the data stream by the adapter. The informational content of the data stream is then transformed by the adapter into a common or generic format. The data exchange engine receives data in a technology independent form from each of its associated adapters and coordinates the routing of informational content to particular adapters associated with applications that have requested specific informational content. The adapters receiving the informational content from the data exchange engine transform the informational content having the common format into a data format compatible with, or specific to, their associated applications. A queuing mechanism is employed to construct a reliable asynchronous or pseudo-synchronous interface between disparate applications and systems. The data exchange engine may apply business rules or logic when processing a request for particular informational content. User-specified routing logic may be applied by the data exchange engine to dispatch selected informational content to one or more destination applications.
摘要翻译：用于在两个或多个应用之间交换数据的系统和方法包括数据交换引擎和与相应数量的应用相关联的多个适配器。每个适配器被定制成与相应的应用程序接口，并转换正在应用程序和数据交换引擎之间传输的数据。由特定应用产生的数据由相应的适配器从技术依赖形式转换为与技术无关的形式。在一个实施例中，与数据流相关联的格式由适配器与数据流的信息内容分离。然后，数据流的信息内容由适配器转换成通用或通用格式。数据交换引擎以与技术无关的形式从其相关联的适配器中接收数据，并协调将信息内容路由到与请求特定信息内容的应用程序相关联的特定适配器。从数据交换引擎接收信息内容的适配器将具有通用格式的信息内容转换成与其相关联的应用兼容或特定于其相关应用的数据格式。采用排队机制构建不同应用与系统之间的可靠异步或伪同步接口。当处理特定信息内容的请求时，数据交换引擎可以应用业务规则或逻辑。用户指定的路由逻辑可以由数据交换引擎应用，以将所选择的信息内容发送到一个或多个目的地应用。

3. 发明申请

US20110173118A1 METADATA DRIVEN METHODS AND SYSTEMS TO PROCESS FINANCIAL DATA 审中-公开
标题翻译：元数据驱动方法和系统处理财务数据
公开(公告)号：US20110173118A1
公开(公告)日：2011-07-14
申请号：US13070382
申请日：2011-03-23
申请人： Qilin Hu
发明人： Qilin Hu
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/3829 , G06Q50/188
摘要： A system and method are disclosed. The system identifies a first acquirer from a plurality of acquirers based on a first set of financial transaction records. The first acquirer is associated with a financial clearing house system and a plurality of first acquirer dependent software components. The system further generates a first acquirer settlement file based on the first set of financial transaction records. The generates the acquirer settlement file by utilizing the plurality of first acquirer dependent software components to process the first set of financial transaction records. Finally, the system communicates the first acquirer settlement file, over a network, to the financial clearing house system.
摘要翻译：公开了一种系统和方法。该系统基于第一组金融交易记录来识别来自多个获取者的第一获取方。第一收购方与金融结算所系统和多个第一收购方相关的软件组件相联系。该系统还基于第一组金融交易记录生成第一收购方结算文件。利用多个第一获取方依赖软件组件来处理第一组金融交易记录来产生收单结算文件。最后，系统通过网络将第一收购方结算文件传送到金融结算所系统。

4. 发明授权

US07917441B2 Metadata driven methods and systems to process financial data 有权
标题翻译：元数据驱动的方法和系统来处理财务数据
公开(公告)号：US07917441B2
公开(公告)日：2011-03-29
申请号：US11506983
申请日：2006-08-18
申请人： Qilin Hu
发明人： Qilin Hu
IPC分类号： G06F21/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/3829 , G06Q50/188
摘要： Metadata driven methods and systems utilized to process financial data include a method to generate a plurality of first acquirer dependent software components based on a first acquirer settlement metadata file that corresponds to a first acquirer. The first acquirer dependent software components are used to generate an acquirer settlement file based on financial data. The acquirer settlement file is communicated to the first acquirer that is included in an automatic clearing house system that processes the financial data. In addition, the metadata driven methods and systems utilized to process financial data include a method to generate a plurality of first acquirer dependent software components based on a first acquirer return metadata file that corresponds to a first acquirer. The first acquirer dependent software components are used to process an acquirer return file that is received from the first acquirer and includes financial data. The first acquirer is included in an automatic clearing house system.
摘要翻译：用于处理财务数据的元数据驱动方法和系统包括基于与第一获取方对应的第一获取方结算元数据文件来生成多个第一获取方依赖软件组件的方法。第一个获取方依赖的软件组件用于基于财务数据生成收购方结算文件。将收单方结算文件传送给处理财务数据的自动结算所系统中包含的第一收购方。另外，用于处理财务数据的元数据驱动方法和系统包括基于与第一获取方对应的第一获取方返回元数据文件生成多个第一获取方依赖软件组件的方法。第一个获取方依赖的软件组件用于处理从第一个收单方收到的收单方返回文件，并包含财务数据。第一个收单方包含在自动结算所系统中。

5. 发明申请

US20120310828A1 INSTANT BANK ACCOUNT VERIFICATION THROUGH DEBIT CARD NETWORK 审中-公开
标题翻译：即时银行账户验证通过债务卡网络
公开(公告)号：US20120310828A1
公开(公告)日：2012-12-06
申请号：US13150889
申请日：2011-06-01
申请人： Qilin Hu
发明人： Qilin Hu
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/108
摘要： A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.
摘要翻译：银行帐户可以由提供帐号和借记卡号码的用户进行身份验证或确认。然后，支付提供商通过借记卡网络从银行获得用户帐户信息。如果帐号匹配，支付提供商将对帐户进行身份验证。在另一个实施例中，认证进一步要求用户提供的帐户中的当前银行余额的一部分以与从银行接收的当前余额相匹配。

6. 发明授权

US10846789B2 Instant bank account verification through debit card network 有权
公开(公告)号：US10846789B2
公开(公告)日：2020-11-24
申请号：US13150889
申请日：2011-06-01
申请人： Qilin Hu
发明人： Qilin Hu
IPC分类号： G06Q40/02 , G06Q20/10
CPC分类号： G06Q40/02 , G06Q20/108
摘要： A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.

7. 发明申请

US20120173422A1 INSTANT BANK FUND TRANSFERS 审中-公开
标题翻译：即时银行基金转账
公开(公告)号：US20120173422A1
公开(公告)日：2012-07-05
申请号：US12982816
申请日：2010-12-30
申请人： Qilin Hu
发明人： Qilin Hu
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/0425 , G06Q20/10 , G06Q20/40
摘要： Embodiments for instant banking funds transfers include methods and systems for providing financial services. The financial services provided include instant top up of an account with a Financial Service Provider (FSP), instant account verification (using instant deposit confirmation); instant direct debit; and instant withdrawal or funds out. In one or more embodiments, an FSP has an agreement and a cash account with a partner bank; other banks, where users of the financial services have accounts, also have cash accounts with the partner bank. Thus, any transfers can be made within the partner bank and instantaneously. The FSP receives cash during a normal three to five day settlement period with standard bank transfers. Financial services provided may include instant top up of funds (instant credit), instant bank confirmation (using random deposits), instant debit, and instant withdrawal (or funds out).
摘要翻译：即时银行资金转帐的实施例包括用于提供金融服务的方法和系统。提供的金融服务包括立即补充与金融服务提供商（FSP）的账户，即时账户验证（使用即时存款确认）; 即时直接付款; 并立即退出或出资。在一个或多个实施例中，FSP与合作伙伴银行具有协议和现金账户; 金融服务使用者账户的其他银行也有与合作银行的现金账户。因此，可以在合作伙伴银行内立即进行任何转移。 FSP在正常的三到五天结算期间通过标准银行转帐收到现金。提供的金融服务可能包括立即补充资金（即时信贷），即时银行确认（使用随机存款），即时借记和即时提款（或资金）。

8. 发明申请

US20120173409A1 REAL-TIME GLOBAL FUND TRANSFERS 审中-公开
标题翻译：实时全球基金转让
公开(公告)号：US20120173409A1
公开(公告)日：2012-07-05
申请号：US12982828
申请日：2010-12-30
申请人： Qilin Hu
发明人： Qilin Hu
IPC分类号： G06Q40/00
CPC分类号： G06Q20/108 , G06Q20/10 , G06Q40/02
摘要： Embodiments for real-time global bank funds transfers include a new payment system for real-time global bank funds transfer. A funds transfer network and method allow global real-time fund transfers among banks. The new funds transfer service is much faster than Society for Worldwide Interbank Financial Telecommunication network (SWIFTNet) and much cheaper than real-time gross settlement systems (RTGS). In one or more embodiments, a Financial Service Provider (FSP) has accounts or agreements with Bank A and Bank B, for example. A first user with an account at Bank A requests a fund transfer to a second user at Bank B. The request goes through the FSP, which can confirm the first user. If confirmed, the FSP sends funds to Bank B instantaneously, so that the second user receives the money right away. The first user does not “see” the FSP at all, but instead makes the payment through his own bank (e.g., Bank A) to another bank (e.g., Bank A). The FSP then waits the standard 3-5 days for money from Bank A (e.g., settlement of transaction).
摘要翻译：实时全球银行资金转移的实施包括实时全球银行资金转账支付系统。资金转移网络和方法允许银行之间的全球实时资金转移。新的资金转账服务比全球银行间金融电讯网络（SWIFTNet）快得多，而且比实时总结算系统（RTGS）便宜得多。在一个或多个实施例中，金融服务提供商（FSP）例如具有与银行A和银行B的账户或协议。在银行A拥有账户的第一个用户请求资金转账到银行B的第二个用户。请求通过FSP，可以确认第一个用户。如果确认，FSP将立即向B银行发放资金，以便第二个用户立即收到款项。第一个用户根本不“看”FSP，而是通过自己的银行（例如银行A）向另一个银行（例如银行A）付款。 FSP然后等待从银行A的3-5天的标准（例如结算交易）。

9. 发明授权

US06208345B1 Visual data integration system and method 失效
标题翻译：视觉数据集成系统和方法
公开(公告)号：US06208345B1
公开(公告)日：2001-03-27
申请号：US09093162
申请日：1998-06-08
申请人： Nicolas C. Sheard , Larry J. Fischer , Richard W. Matthews , Himabindu Gurla , Qilin Hu , Wendy J. Zheng , Boyle Y. Mow
发明人： Nicolas C. Sheard , Larry J. Fischer , Richard W. Matthews , Himabindu Gurla , Qilin Hu , Wendy J. Zheng , Boyle Y. Mow
IPC分类号： G06F1300
CPC分类号： G06F8/34 , G06F17/2247 , G06F17/2264 , H04L29/06 , H04L67/28 , H04L67/2823 , H04L67/36 , H04L69/08 , H04L69/329
摘要： A visual data integration system architecture and methodology is disclosed. The system architecture includes a transport framework that represents a technology-independent integration mechanism that facilitates the exchange of technology-dependent data between disparate applications. A visual interface facilitates the design, deployment, and runtime monitoring of an integrated information system implementation. An integrated information system is developed visually through use of the visual interface by dragging and dropping components within a canvas area of the interface. The components are graphical representations of various telecommunications hardware and software elements, such as information stores, processors, input/output devices and the like. Various components may be packaged together as business extension modules that provide specific business integration capabilities. Interconnections between components are graphically established using a mouse to define sources and destinations of specified data. An underlying configuration/runtime information framework operating above and in concert with the transport framework effectively transforms the graphical interconnections into logical or physical interconnections, which results in the contemporaneous generation of an integrated runtime system. Format neutral data meta-models are employed to model the input and output data requirements of disparate systems and system components so as to remove any cross-dependencies that exist between the systems and technologies implicated in a data integration project. The visual interface enables runtime control and analysis of the business information and system aspects of an integrated system implementation. Visual views onto the live deployment provide consistent management and control for system integrators, business integrators, system managers, and business managers using a single visual interface.
摘要翻译：公开了一种视觉数据集成系统架构和方法。系统架构包括一个代表独立于技术的集成机制的传输框架，它有助于在不同的应用程序之间交换与技术有关的数据。视觉界面有助于集成信息系统实现的设计，部署和运行时监控。通过在界面的画布区域中拖放组件，通过使用可视化界面，可视化地开发集成信息系统。这些组件是各种电信硬件和软件元件（诸如信息存储器，处理器，输入/输出设备等）的图形表示。各种组件可以作为提供特定业务集成功能的业务扩展模块一起打包。使用鼠标来图形地建立组件之间的互连，以定义指定数据的源和目的地。在传输框架上方运行的底层配置/运行时信息框架有效地将图形互连转换为逻辑或物理互连，从而导致同时生成集成的运行时系统。采用格式中性数据元模型对不同系统和系统组件的输入和输出数据要求进行建模，以消除系统与数据集成项目涉及的技术之间存在的任何交叉依赖关系。视觉界面支持运行时控制和分析集成系统实现的业务信息和系统方面。实时部署的视觉视图为使用单一视觉界面的系统集成商，业务集成商，系统经理和业务经理提供一致的管理和控制。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式