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1. 发明申请

US20080046364A1 Apparatus And Method For Facilitating Account Restructuring In An Electronic Bill Payment System 有权
标题翻译：在电子账单支付系统中促进账户重组的设备和方法
公开(公告)号：US20080046364A1
公开(公告)日：2008-02-21
申请号：US11829988
申请日：2007-07-30
申请人： Gidget A. Hall , Darlene M. Lohman , Pauline Ow , Edward G. McLaughlin , Janet M. Smith , Theresa L. Altman
发明人： Gidget A. Hall , Darlene M. Lohman , Pauline Ow , Edward G. McLaughlin , Janet M. Smith , Theresa L. Altman
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/206
摘要： A system can have a plurality of participating entities including a plurality of receivers and a plurality of originators. A data file indicative of an account restructuring of a given one of the receivers can be obtained. The data file specifies at least one old account number associated with the receiver and at least one new account number associated with the receiver. The data is placed in a conversion data structure in a format to facilitate account number conversion. Remittance data, including the old or new account number of the receiver, is obtained from a given one of the participating entities, and is routed in accordance with the old or new account number in the remittance data, and the data structure.
摘要翻译：系统可以具有包括多个接收器和多个发起者的多个参与实体。可以获得指示给定的一个接收机的帐户重组的数据文件。数据文件指定与接收器相关联的至少一个旧帐号和与接收器相关联的至少一个新帐号。数据以格式转换为转换数据结构，以方便帐号转换。从给定的一个参与实体获得汇款数据，包括接收方的旧帐号或新帐号，并根据汇款数据中的旧帐号或新帐号以及数据结构进行路由。

2. 发明申请

US20100174644A1 Integrated File Structure Useful in Connection with Apparatus and Method for Facilitating Account Restructuring in an Electronic Bill Payment System 有权
标题翻译：集成文件结构有助于电子帐单支付系统中用于促进帐户重组的装置和方法
公开(公告)号：US20100174644A1
公开(公告)日：2010-07-08
申请号：US12617071
申请日：2009-11-12
申请人： Sharon A. Rosano , Bryan-Earl Kerola , Pauline Ow , Darlene M. Lohman
发明人： Sharon A. Rosano , Bryan-Earl Kerola , Pauline Ow , Darlene M. Lohman
IPC分类号： G06Q40/00 , G06Q10/00 , G06Q20/00
CPC分类号： G06Q30/04 , G06Q20/102 , G06Q20/14 , G06Q40/12
摘要： An electronic funds transfer bill payment operation of a financial institution receives first information representing an account restructuring of a biller which uses the electronic funds transfer bill payment operation. The first information is combined with second information into a uniformly formatted file. The second information is formatted differently than the first information. The second information includes card update information for recurring payment card payments made with payment cards issued by the financial institution. The uniformly formatted file is transferred to an operator of a payment network of a kind configured to facilitate transactions between multiple issuers and multiple acquirers. The uniformly formatted file specifies at least one old account number associated with a biller and at least one new account number associated with the biller. The payment network operator operates both a recurring payment transaction system for card-not-present recurring payments and an electronic funds transfer account conversion application in accordance with the uniformly formatted file.
摘要翻译：金融机构的电子资金转账支付操作接收代表使用电子资金转账付款操作的账单重组的账户重组的第一信息。第一个信息与第二个信息组合成均匀格式的文件。第二信息的格式不同于第一信息。第二个信息包括通过金融机构发行的支付卡进行的经常性支付卡付款的卡更新信息。统一格式化的文件被传送到配置为促进多个发行者和多个收单方之间的交易的支付网络的运营商。统一格式化的文件指定至少一个与帐单相关联的旧账号和至少一个与账单相关联的新帐号。支付网络运营商根据均匀格式化的文件操作用于卡不存在的经常性支付的经常性支付交易系统和电子资金转账账户转换应用。

3. 发明授权

US09773262B2 Integrated file structure useful in connection with apparatus and method for facilitating account restructuring in an electronic bill payment system 有权
公开(公告)号：US09773262B2
公开(公告)日：2017-09-26
申请号：US12617071
申请日：2009-11-12
申请人： Sharon A. Rosano , Bryan-Earl Kerola , Pauline Ow , Darlene M. Lohman
发明人： Sharon A. Rosano , Bryan-Earl Kerola , Pauline Ow , Darlene M. Lohman
IPC分类号： G06Q30/04 , G06Q20/10 , G06Q20/14 , G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102 , G06Q20/14 , G06Q40/12
摘要： An electronic funds transfer bill payment operation of a financial institution receives first information, representing an account restructuring of a biller which uses the bill payment operation, which information is combined with second information, which is formatted differently than the first information, into a uniformly formatted file. The second information includes card update information for recurring payment card payments made with payment cards issued by the financial institution. The uniformly formatted file is transferred to an operator of a payment network of a kind configured to facilitate transactions between multiple issuers and multiple acquirers, and it specifies at least one old account number associated with a biller and at least one new account number associated with the biller. The payment network operator operates both a recurring payment transaction system for card-not-present recurring payments and an electronic funds transfer account conversion application in accordance with the uniformly formatted file.

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