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1. 发明授权

US07962409B2 Method and system for processing internet payments using the electronic funds transfer network 有权
标题翻译：使用电子资金转账网络处理互联网支付的方法和系统
公开(公告)号：US07962409B2
公开(公告)日：2011-06-14
申请号：US12576463
申请日：2009-10-09
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/042 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G06Q30/0222 , G06Q30/0226 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/12 , G07F7/025 , G07F17/42 , G07F19/20
摘要： A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account. Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.
摘要翻译：实现电子资金转帐信用信息的系统和方法。系统的主要结构组件包括支付门户处理器（PPP），互联网支付任何人（IPA）帐户，虚拟私人锁箱（VPL）和相关帐户。记者，现有的EFT网络，以及用于访问VPL或IP帐户的现金卡。 PPP是一个软件应用程序，提供用于访问（链接）用户的需求存款帐户（DDA）或IPA帐户的安全门户，并可与传统数字电子钱包的功能相结合。消费者使用PPP增强型钱包来资助他们的账户，在网上购物，支付账单，支付任何人，存储电子收据和交易记录，并检查他们最近的PPP增强的电子钱包活动。 IPA帐户是一种特殊用途的帐户，其功能有限，以电子金融信用信息的形式进行电子支付。 VPL是一种有限功能，只接收通过电子转帐接收电子支付的账户。帐户记录器是一个门户，用于查看IPA和VPL账户的交易历史记录和余额，提供在线实时交易报告，并将应收账款/购买记录与收到的EFT付款记录进行对账。物理卡可以与IPA或VPL帐户相关联，以提供PIN借记功能。

2. 发明授权

US06609113B1 Method and system for processing internet payments using the electronic funds transfer network 有权
公开(公告)号：US06609113B1
公开(公告)日：2003-08-19
申请号：US09497307
申请日：2000-02-03
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06F1760
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/042 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G06Q30/0222 , G06Q30/0226 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/12 , G07F7/025 , G07F17/42 , G07F19/20
摘要： A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.

3. 发明授权

US08175968B2 Method and system for processing internet payments using the electronic funds transfer network 有权
标题翻译：使用电子资金转账网络处理互联网支付的方法和系统
公开(公告)号：US08175968B2
公开(公告)日：2012-05-08
申请号：US13155476
申请日：2011-06-08
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/042 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G06Q30/0222 , G06Q30/0226 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/12 , G07F7/025 , G07F17/42 , G07F19/20
摘要： Embodiments of the invention include a method and system for effectuating an electronic payment between a payor and a payee using an Electronic Funds Transfer (EFT) network. The method is implemented by a system having multiple processors. The payor may hold a payor account at a payor institution and the payee may have a payee account at a payee institution. The method includes generating a payment authorization identifying the payee institution, the payee account, and an amount of the payment and transmitting the payment authorization to the payor institution. The method further includes debiting the payor account by the amount of the payment; transmitting from the payor institution to the payee institution through the EFT network an EFT credit message representing a credit in the amount of the payment; and crediting the payee account in the amount of the payment in response to the receipt of the EFT credit message.
摘要翻译：本发明的实施例包括使用电子资金转帐（EFT）网络在付款人和收款人之间实现电子支付的方法和系统。该方法由具有多个处理器的系统实现。付款人可以在付款机构持有付款人账户，收款人可以在收款机构拥有收款人账户。该方法包括生成识别收款机构，收款人账户和支付金额的支付授权，并向付款机构发送支付授权。该方法还包括以付款金额对付款人账户进行借记; 通过电子转帐网络从支付机构向收款机构转发代表付款金额的信用证的EFT信用信息; 并根据收到的EFT信用信息记入收款人账户的金额。

4. 发明申请

US20110238571A1 Method for Processing Internet Point of Sale Payment Using Automated Teller Machine Switch Settlement 有权
标题翻译：使用自动取款机开关结算处理互联网销售点付款方式
公开(公告)号：US20110238571A1
公开(公告)日：2011-09-29
申请号：US13102118
申请日：2011-05-06
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/042 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G06Q30/0222 , G06Q30/0226 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/12 , G07F7/025 , G07F17/42 , G07F19/20
摘要： A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.
摘要翻译：实现电子资金转帐信用信息的系统和方法。系统的主要结构部件包括支付门户处理器（PPP），互联网支付任何人（IPA）帐户，虚拟私人锁箱（VPL）和相关联的帐户记录器，现有的电子转帐网络和用于访问 VPL或IP帐户。 PPP是一个软件应用程序，提供用于访问（链接）用户的需求存款帐户（DDA）或IPA帐户的安全门户，并可与传统数字电子钱包的功能相结合。消费者使用PPP增强型钱包来资助他们的账户，在网上购物，支付账单，支付任何人，存储电子收据和交易记录，并检查他们最近的PPP增强的电子钱包活动。 IPA帐户是一种特殊用途的帐户，其功能有限，以电子金融信用信息的形式进行电子支付。 VPL是一种有限功能，只接收通过电子转帐接收电子支付的账户。帐户记录器是一个门户，用于查看IPA和VPL账户的交易历史记录和余额，提供在线实时交易报告，并将应收账款/购买记录与收到的EFT付款记录进行对账。物理卡可以与IPA或VPL帐户相关联，以提供PIN借记功能。

5. 发明授权

US08452703B2 Method and system for processing internet payments using the electronic funds transfer network 有权
标题翻译：使用电子资金转账网络处理互联网支付的方法和系统
公开(公告)号：US08452703B2
公开(公告)日：2013-05-28
申请号：US13443179
申请日：2012-04-10
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06Q20/04
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/042 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G06Q30/0222 , G06Q30/0226 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/12 , G07F7/025 , G07F17/42 , G07F19/20
摘要： Embodiments of the invention include a method and system for conducting financial transactions over a payment network. The method may include associating a payment address of an account with an account holder name, the account residing at a financial institution and the associated payment address of the account configured to allow withdrawals by the account holder only and to allow a plurality of deposits to be made at different times. The method further includes freely publishing the payment address and making it available to users of an internet portal or search engine. The method further includes receiving data over a network identifying a deposit to be made to the account, assigning the deposit to the account using the payment address, and notifying the payer of the assignment on a real time basis. At least one directory is used for associating the account holder with the payment address.
摘要翻译：本发明的实施例包括用于通过支付网络进行金融交易的方法和系统。该方法可以包括将帐户的支付地址与帐户持有人姓名，居住在金融机构的帐户相关联，以及被配置为仅允许由账户持有人提款的账户的相关支付地址，并允许多个存款为在不同时期制作。该方法还包括自由发布支付地址并将其提供给互联网门户或搜索引擎的用户。该方法还包括通过网络接收识别要对帐户进行的定金的数据，使用支付地址将该存款分配给该账户，并且实时地通知付款人该转让。至少有一个目录用于将帐户持有人与支付地址相关联。

6. 发明授权

US08433652B2 Method and system for processing internet payments using the electronic funds transfer network 有权
标题翻译：使用电子资金转账网络处理互联网支付的方法和系统
公开(公告)号：US08433652B2
公开(公告)日：2013-04-30
申请号：US13433647
申请日：2012-03-29
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06Q20/10
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/042 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G06Q30/0222 , G06Q30/0226 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/12 , G07F7/025 , G07F17/42 , G07F19/20
摘要： A computer implemented payment processing method and system are provided for facilitating electronic purchase transactions by a purchaser from a merchant. The method implements a payment processing system including at least one computer processor and at least one computer memory and includes multiple steps. The steps include receiving, at the at least one computer processor of the payment processing system, a payment request associated with the electronic purchase transaction, the request including information, but not including confidential financial account numbers. The method further includes performing authentication to authenticate the purchaser and verification procedures to verify funds available at the payment processing system based on the order information and non-confidential information and determining whether the cash payment can be completed based on the authentication and verification procedures. The method also includes causing, with the at least one computer processor, the cash payment to be released to the merchant in response to a determination that the cash payment can be completed.
摘要翻译：提供了一种计算机实现的支付处理方法和系统，用于促进购买者从商家进行电子购买交易。该方法实现包括至少一个计算机处理器和至少一个计算机存储器的支付处理系统，并且包括多个步骤。所述步骤包括在所述支付处理系统的所述至少一个计算机处理器处接收与所述电子购买交易相关联的支付请求，所述请求包括信息，但不包括机密金融账号。该方法还包括执行认证以认证购买者和验证程序，以基于订单信息和非机密信息来验证在支付处理系统可用的资金，并且基于认证和验证过程来确定是否可以完成现金支付。该方法还包括使得至少一个计算机处理器响应于可以完成现金支付的确定，将现金支付释放给商家。

7. 发明申请

US20130030995A1 Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network 有权
标题翻译：使用电子资金转账网络处理互联网付款的方法和系统
公开(公告)号：US20130030995A1
公开(公告)日：2013-01-31
申请号：US13616383
申请日：2012-09-14
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06Q20/14
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/042 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G06Q30/0222 , G06Q30/0226 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/12 , G07F7/025 , G07F17/42 , G07F19/20
摘要： A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.
摘要翻译：实现电子资金转帐信用信息的系统和方法。系统的主要结构部件包括支付门户处理器（PPP），互联网支付任何人（IPA）帐户，虚拟私人锁箱（VPL）和相关联的帐户记录器，现有的电子转帐网络和用于访问 VPL或IP帐户。 PPP是一个软件应用程序，提供用于访问（链接）用户的需求存款帐户（DDA）或IPA帐户的安全门户，并可与传统数字电子钱包的功能相结合。消费者使用PPP增强型钱包来资助他们的账户，在网上购物，支付账单，支付任何人，存储电子收据和交易记录，并检查他们最近的PPP增强的电子钱包活动。 IPA帐户是一种特殊用途的帐户，其功能有限，以电子金融信用信息的形式进行电子支付。 VPL是一种有限功能，只接收通过电子转帐接收电子支付的账户。帐户记录器是一个门户，用于查看IPA和VPL账户的交易历史记录和余额，提供在线实时交易报告，并将应收账款/购买记录与收到的EFT付款记录进行对账。物理卡可以与IPA或VPL帐户相关联，以提供PIN借记功能。

8. 发明授权

US06704714B1 Virtual private lock box 有权
标题翻译：虚拟私人锁箱
公开(公告)号：US06704714B1
公开(公告)日：2004-03-09
申请号：US09497334
申请日：2000-02-03
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06F1760
CPC分类号： G06Q20/42 , G06Q20/04 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G07F7/025 , G07F19/20
摘要： A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.
摘要翻译：实现电子资金转帐信用信息的系统和方法。系统的主要结构部件包括支付门户处理器（PPP），互联网支付任何人（IPA）帐户，虚拟私人锁箱（VPL）和相关联的帐户记录器，现有的电子转帐网络和用于访问 VPL或IP帐户。 PPP是一个软件应用程序，提供用于访问（链接）用户的需求存款帐户（DDA）或IPA帐户的安全门户，并可与传统数字电子钱包的功能相结合。消费者使用PPP增强型钱包来资助他们的账户，在网上购物，支付账单，支付任何人，存储电子收据和交易记录，并检查他们最近的PPP增强的电子钱包活动。 IPA帐户是一种特殊用途的帐户，其功能有限，以电子金融信用信息的形式进行电子支付。 VPL是一种有限功能，只接收通过电子转帐接收电子支付的账户。帐户记录器是一个门户，用于查看IPA和VPL账户的交易历史记录和余额，提供在线实时交易报告，并将应收账款/购买记录与收到的EFT付款记录进行对账。物理卡可以与IPA或VPL帐户相关联，以提供PIN借记功能。

9. 发明授权

US10185936B2 Method and system for processing internet payments 有权
公开(公告)号：US10185936B2
公开(公告)日：2019-01-22
申请号：US09886916
申请日：2001-06-21
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06Q40/00 , G06Q20/04 , G06Q20/10
摘要： A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (Web Broker), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The Web Broker is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a Web Broker enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent Web Broker enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.

10. 发明授权

US08694425B2 Method and system for processing internet payments using the electronic funds transfer network 有权
标题翻译：使用电子资金转账网络处理互联网支付的方法和系统
公开(公告)号：US08694425B2
公开(公告)日：2014-04-08
申请号：US13429609
申请日：2012-03-26
申请人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
发明人： Denis O'Leary , Vincent D'Agostino , S. Richard Re , Jessica Burney , Adam Hoffman
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/04 , G06Q20/042 , G06Q20/102 , G06Q20/105 , G06Q20/108 , G06Q20/1085 , G06Q20/22 , G06Q20/342 , G06Q20/40 , G06Q30/0222 , G06Q30/0226 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/12 , G07F7/025 , G07F17/42 , G07F19/20
摘要： Embodiments of the invention include a method and system for effectuating an electronic payment between a payor and a payee using an Electronic Funds Transfer (EFT) network. The method is implemented by a system having multiple processors. The payor may hold a payor account at a payor institution and the payee may have a payee account at a payee institution. The method includes generating a payment authorization identifying the payee institution, the payee account, and an amount of the payment and transmitting the payment authorization to the payor institution. The method further includes debiting the payor account by the amount of the payment; transmitting from the payor institution to the payee institution through the EFT network an EFT credit message representing a credit in the amount of the payment; and crediting the payee account in the amount of the payment in response to the receipt of the EFT credit message.
摘要翻译：本发明的实施例包括使用电子资金转帐（EFT）网络在付款人和收款人之间实现电子支付的方法和系统。该方法由具有多个处理器的系统实现。付款人可以在付款机构持有付款人账户，收款人可以在收款机构拥有收款人账户。该方法包括生成识别收款机构，收款人账户和支付金额的支付授权，并向付款机构发送支付授权。该方法还包括以付款金额对付款人账户进行借记; 通过电子转帐网络从支付机构向收款机构转发代表付款金额的信用证的EFT信用信息; 并根据收到的EFT信用信息记入收款人账户的金额。

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