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1. 发明申请

US20070136192A1 Method and system for facilitating payment of an online auction transaction 有权
标题翻译：促进网上拍卖交易支付的方法和系统
公开(公告)号：US20070136192A1
公开(公告)日：2007-06-14
申请号：US11673731
申请日：2007-02-12
申请人： Dan German , Dominic Morea , Henry Tsuei , John Duncan , Matt Golub
发明人： Dan German , Dominic Morea , Henry Tsuei , John Duncan , Matt Golub
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q40/04 , G06Q40/12
摘要： A method for enabling two individual consumers to complete a transaction that includes payment from one consumer (the payor, or buyer) to another consumer (the payee, or seller). An intermediary typically operates the service over a computer network of nodes, such as the Internet. The buyer has the convenience of paying through a variety of different payment instruments. Likewise, the seller has the convenience of receiving payment through a variety of different disbursement instruments. For a fee, the intermediary collects the payment from the buyer and pays the seller. Although the intermediary may receive payment from the buyer before the intermediary transfers the payment to the seller, the intermediary may choose to pay the seller before receiving payment from the buyer. In this case, the intermediary assumes the risk of nonpayment by the buyer. Alternatively, the intermediary may pay a third party that specializes in processing transactions for the payment instrument chosen by the buyer to assume the risk of nonpayment by the buyer. In this case, the intermediary receives a promise of payment from the third party before the intermediary pays the seller. Such a promise of payment from the third party is referred to as an authorization.
摘要翻译：一种使两个消费者能够完成交易的方法，该交易包括从一个消费者（付款人或买方）向另一消费者（收款人或卖方）付款。中间人通常通过诸如因特网的节点的计算机网络来操作服务。买方有方便支付各种不同的支付工具。同样地，卖方通过各种不同的支付手段方便了付款。收取费用，中介人从买方收取款项，并向卖方付款。虽然中介人可以在中介人将付款转移给卖方之前从买方收到付款，但中介人可以在收到买方付款之前选择向卖方付款。在这种情况下，中介人承担买方不付款的风险。或者，中间人可以支付专门处理由买方选择的支付工具的交易的第三方承担买方不付款的风险。在这种情况下，中间人在中介支付卖方之前，收到第三方的承诺。这种第三方的付款承诺被称为授权。

2. 发明申请

US20070136189A1 On-line cash register for use in providing a consumer-to-consumer payment service 有权
标题翻译：用于提供消费者与消费者支付服务的在线收款机
公开(公告)号：US20070136189A1
公开(公告)日：2007-06-14
申请号：US11673702
申请日：2007-02-12
申请人： Dan German , Dominic Morea , Henry Tsuei , John Duncan , Matt Golub
发明人： Dan German , Dominic Morea , Henry Tsuei , John Duncan , Matt Golub
IPC分类号： G06Q40/00
CPC分类号： G06Q30/06 , G06Q20/027 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q40/04 , G06Q40/12
摘要： A method for enabling two individual consumers to complete a transaction that includes payment from one consumer (the payor, or buyer) to another consumer (the payee, or seller). An intermediary typically operates the service over a computer network of nodes, such as the Internet. The buyer has the convenience of paying through a variety of different payment instruments. Likewise, the seller has the convenience of receiving payment through a variety of different disbursement instruments. For a fee, the intermediary collects the payment from the buyer and pays the seller. Although the intermediary may receive payment from the buyer before the intermediary transfers the payment to the seller, the intermediary may choose to pay the seller before receiving payment from the buyer. In this case, the intermediary assumes the risk of nonpayment by the buyer. Alternatively, the intermediary may pay a third party that specializes in processing transactions for the payment instrument chosen by the buyer to assume the risk of nonpayment by the buyer. In this case, the intermediary receives a promise of payment from the third party before the intermediary pays the seller. Such a promise of payment from the third party is referred to as an authorization.
摘要翻译：一种使两个消费者能够完成交易的方法，该交易包括从一个消费者（付款人或买方）向另一消费者（收款人或卖方）付款。中间人通常通过诸如因特网的节点的计算机网络来操作服务。买方有方便支付各种不同的支付工具。同样地，卖方通过各种不同的支付手段方便了付款。收取费用，中介人从买方收取款项，并向卖方付款。虽然中介人可以在中介人将付款转移给卖方之前从买方收到付款，但中介人可以在从买方收到付款之前选择向卖方付款。在这种情况下，中介人承担买方不付款的风险。或者，中间人可以支付专门处理由买方选择的支付工具的交易的第三方承担买方不付款的风险。在这种情况下，中间人在中介支付卖方之前，收到第三方的承诺。这种第三方的付款承诺被称为授权。

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