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    • 8. 发明授权
    • Enhanced invitation process for electronic billing and payment system
    • 加强电子结算和支付系统的邀请程序
    • US08738483B2
    • 2014-05-27
    • US13087215
    • 2011-04-14
    • Mark OrttungRene LacerteEric ChanRobert S. Lam
    • Mark OrttungRene LacerteEric ChanRobert S. Lam
    • G07F19/00H04M15/00G06Q40/00G06Q30/04G06Q20/10G06Q40/02G06Q20/04
    • G06Q30/04G06Q20/04G06Q20/042G06Q20/10G06Q20/102G06Q20/14G06Q40/00G06Q40/02G06Q40/10
    • Enhanced systems and methods for processing invoices, payments, and money transfers are described. One aspect of the invention is a computer-implemented method (and corresponding system and computer program product) for inviting an entity to open an account at a billing and payment system, the method comprising: receiving from a first entity an instruction to invite a second entity to open an account at the payment system, the first entity having an account with the payment system; receiving from the first entity a security question and an answer to the security question to accompany the invitation; transmitting to the second entity the invitation along with the security question; receiving from the second entity an acceptance of the invitation along with an answer to the security question; verifying the acceptance by comparing the answer received from the second entity to the answer received from the first entity; responsive to the two answers match, determining the acceptance verified and opening an account for the second entity; and creating a link between the accounts of the two entities for the purpose of sharing invoice information, making electronic payments, transmitting remittance information, and maintaining basic information about the invitor and invitee.
    • 描述了用于处理发票,付款和汇款的增强的系统和方法。 本发明的一个方面是一种计算机实现的方法(以及相应的系统和计算机程序产品),用于邀请实体在计费和支付系统上打开一个帐户,该方法包括:从第一实体接收邀请第二个 实体在支付系统上开立账户,第一实体具有与支付系统的账户; 从第一个实体收到一个安全问题,并附上邀请的安全问题的答复; 向第二实体转交邀请以及安全问题; 从第二实体接收邀请以及对安全问题的答复; 通过将从第二实体接收的答案与从第一实体接收到的答案进行比较来验证接受; 响应两个答案匹配,确定接受验证并为第二个实体开立帐户; 并在两个实体的帐户之间创建一个链接,以共享发票信息,进行电子支付,传输汇款信息,以及维护关于邀请者和被邀请者的基本信息。