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1. 发明授权

US5963647A Method and system for transferring funds from an account to an individual 失效
标题翻译：将资金从账户转入个人的方法和制度
公开(公告)号：US5963647A
公开(公告)日：1999-10-05
申请号：US877203
申请日：1997-06-17
申请人： John Downing , William M. Hernandez , William D. Hooper , Netty Meiroff , Jaithirth Rao , Rodman Reef , Howard A. Schechtman , Edward Horowitz
发明人： John Downing , William M. Hernandez , William D. Hooper , Netty Meiroff , Jaithirth Rao , Rodman Reef , Howard A. Schechtman , Edward Horowitz
IPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/38 , G06Q20/40 , G06Q40/00 , G07F19/00 , H04L9/00
CPC分类号： G06Q20/04 , G06Q20/10 , G06Q20/108 , G06Q20/1085 , G06Q20/382 , G06Q20/40 , G06Q40/00 , G07F19/20
摘要： Disclosed is a system and method for transferring funds. The invention supports funds transfers from a source account to a cash access file which can be accessed virtually twenty-four hours a day by both customers and non-customers. Access is achieved by the recipient entering a codeword selected by the sender, along with a transaction code randomly generated by the system. Once the sender provides the codeword and the transaction code to the recipient, the recipient can receive transferred cash through an ATM, even without using a card to access the system. Cash may be transferred across international borders and dispensed in a currency different than that of the sender's source account. Although cash is made available to a recipient virtually as soon as the requested transfer is approved and confirmed by the sender, the sender's account is not debited until the cash is actually received by the recipient. Other features, including security, cancellation, and status inquiries are also described.
摘要翻译：披露了一种用于转移资金的系统和方法。本发明支持从源帐户到现金访问文件的资金转移，客户和非客户每天可以访问几乎24小时。访问由接收者输入由发送者选择的码字以及由系统随机生成的事务代码来实现。一旦发送者向接收方提供了代码字和交易代码，收件人即使没有使用卡来访问系统，也可以通过ATM接收转移的现金。现金可以通过国际边界转移，并以与发件人来源账户不同的货币进行分配。尽管现金可以在收到要求的转让通过发件人批准和确认后立即向收件人提供，但是发件人的帐户没有被扣除，直到收款人实际收到现金为止。还描述了其他功能，包括安全性，取消和状态查询。

2. 发明授权

US08204830B2 Global method and system for providing enhanced transactional functionality through a customer terminal 有权
标题翻译：通过客户终端提供增强的事务功能的全球方法和系统
公开(公告)号：US08204830B2
公开(公告)日：2012-06-19
申请号：US13091296
申请日：2011-04-21
申请人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
发明人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q20/40 , G07F19/206
摘要： A global customer activated terminal (CAT) primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors and Hosts are the arbitrators of each transaction acceptance and fulfillment, rather than the CAT.
摘要翻译：全球客户激活终端（CAT）主要服务于远离本地金融机构并超出其本地区域金融区域的访问客户的旅客。该系统提供允许用户访问其帐户并在通用全局系统方法中利用帐户配置文件和事务日记帐的应用程序，并且每个事务集提供对用户的完整帐户配置文件的访问。旅行客户还可以访问与其相关联的所有帐户（如本地）到特定卡。系统中使用的硬件支持加密密钥下载，解扰和PIN加密，从而在硬件层面建立安全性。为了在每个区域层面为所提供的产品和服务提供最大的灵活性，区域前端处理器和主机是每个交易接受和履行的仲裁员，而不是CAT。

3. 发明授权

US07953662B2 Global method and system for providing enhanced transactional functionality through a customer terminal 有权
标题翻译：通过客户终端提供增强的事务功能的全球方法和系统
公开(公告)号：US07953662B2
公开(公告)日：2011-05-31
申请号：US12683459
申请日：2010-01-07
申请人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
发明人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q20/40 , G07F19/206
摘要： A global customer activated terminal (CAT) primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors and Hosts are the arbitrators of each transaction acceptance and fulfillment, rather than the CAT.
摘要翻译：全球客户激活终端（CAT）主要服务于远离本地金融机构并超出其本地区域金融区域的访问客户的旅客。该系统提供允许用户访问其帐户并在通用全局系统方法中利用帐户配置文件和事务日记帐的应用程序，并且每个事务集提供对用户的完整帐户配置文件的访问。旅行客户还可以访问与其相关联的所有帐户（如本地）到特定卡。系统中使用的硬件支持加密密钥下载，解扰和PIN加密，从而在硬件层面建立安全性。为了在每个区域层面为所提供的产品和服务提供最大的灵活性，区域前端处理器和主机是每个交易接受和履行的仲裁员，而不是CAT。

4. 发明申请

US20080235124A1 Global method and system for providing enhanced transactional functionality through a customer terminal 有权
标题翻译：通过客户终端提供增强的事务功能的全球方法和系统
公开(公告)号：US20080235124A1
公开(公告)日：2008-09-25
申请号：US12081609
申请日：2008-04-17
申请人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
发明人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
IPC分类号： G06Q99/00 , H04L9/32
CPC分类号： G06Q40/00 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q20/40 , G07F19/206
摘要： A global customer activated terminal (CAT) that primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area is provided. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, personal identification number (PIN) unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors (FEPs) and Hosts (small financial systems) are the arbitrators of each transaction . . . acceptance and fulfillment, rather than the CAT.
摘要翻译：提供全球客户激活终端（CAT），主要服务于远离家庭金融机构并超出其本地区域金融区域的客户需要访问账户的客户。该系统提供允许用户访问其帐户并在通用全局系统方法中利用帐户配置文件和事务日记帐的应用程序，并且每个事务集提供对用户的完整帐户配置文件的访问。旅行客户还可以访问与其相关联的所有帐户（如本地）到特定卡。系统中使用的硬件支持加密密钥下载，个人识别码（PIN）解扰和PIN加密，从而在硬件层面建立安全性。为了在每个区域层面为提供的产品和服务提供最大的灵活性，区域前端处理器（FEP）和主机（小型金融系统）是每个交易的仲裁员。。。接受和履行，而不是CAT。

5. 发明申请

US20100114770A1 Global Method and System For Providing Enhanced Transactional Functionality Through a Customer Terminal 有权
标题翻译：通过客户终端提供增强的事务功能的全球方法和系统
公开(公告)号：US20100114770A1
公开(公告)日：2010-05-06
申请号：US12683459
申请日：2010-01-07
申请人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
发明人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q20/40 , G07F19/206
摘要： A global customer activated terminal (CAT) that primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area is provided. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, personal identification number (PIN) unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors (FEPs) and Hosts (small financial systems) are the arbitrators of each transaction . . . acceptance and fulfillment, rather than the CAT.
摘要翻译：提供全球客户激活终端（CAT），主要服务于远离家庭金融机构并超出其本地区域金融区域的客户需要访问账户的客户。该系统提供允许用户访问其帐户并在通用全局系统方法中利用帐户配置文件和事务日记帐的应用程序，并且每个事务集提供对用户的完整帐户配置文件的访问。旅行客户还可以访问与其相关联的所有帐户（如本地）到特定卡。系统中使用的硬件支持加密密钥下载，个人识别码（PIN）解扰和PIN加密，从而在硬件层面建立安全性。为了在每个区域层面为提供的产品和服务提供最大的灵活性，区域前端处理器（FEP）和主机（小型金融系统）是每个交易的仲裁员。。。接受和履行，而不是CAT。

6. 发明授权

US07668781B2 Global method and system for providing enhanced transactional functionality through a customer terminal 有权
标题翻译：通过客户终端提供增强的事务功能的全球方法和系统
公开(公告)号：US07668781B2
公开(公告)日：2010-02-23
申请号：US12081609
申请日：2008-04-17
申请人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
发明人： Nancy Bryant , Howard A. Schechtman , Lucilla Warren , Wigberto Yu , Netty Meiroff
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/1085 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/3552 , G06Q20/40 , G07F19/206
摘要： A global customer activated terminal (CAT) that primarily serves traveling customers who require access to their accounts when they are away from their home financial institution and beyond their local regional financial area is provided. The system provides applications that permit users to access their accounts and utilize account profiles and transaction journals within a generic global system approach, and each transaction set provides access to the user's full account profile. The traveling customer is also provided with access to all their accounts linked (as they would locally) to a specific card. The hardware employed in the system supports encryption key downloading, personal identification number (PIN) unscrambling and PIN encryption, so that security is instituted at the hardware level. To provide the maximum flexibility at each regional level for product and services offered, regional front end processors (FEPs) and Hosts (small financial systems) are the arbitrators of each transaction . . . acceptance and fulfillment, rather than the CAT.
摘要翻译：提供全球客户激活终端（CAT），主要服务于远离家庭金融机构并超出其本地区域金融区域的客户需要访问账户的客户。该系统提供允许用户访问其帐户并在通用全局系统方法中利用帐户配置文件和事务日记帐的应用程序，并且每个事务集提供对用户的完整帐户配置文件的访问。旅行客户还可以访问与其相关联的所有帐户（如本地）到特定卡。系统中使用的硬件支持加密密钥下载，个人识别码（PIN）解扰和PIN加密，从而在硬件层面建立安全性。为了在每个区域层面为提供的产品和服务提供最大的灵活性，区域前端处理器（FEP）和主机（小型金融系统）是每个交易的仲裁员。。。接受和履行，而不是CAT。

7. 发明授权

US10719814B1 Method and system for transferring funds from an account to an individual 有权
公开(公告)号：US10719814B1
公开(公告)日：2020-07-21
申请号：US11784840
申请日：2007-04-10
申请人： Netty Meiroff , Gordon Zahorik
发明人： Netty Meiroff , Gordon Zahorik
IPC分类号： G06Q20/04 , G06Q20/10 , G06Q40/02
摘要： Methods and system for transferring funds supports funds transfers from a source account to a cash access file which can be accessed virtually twenty-four hours a day by both customers and non-customers. Cash may be transferred across international borders and dispensed in a currency different than that of the sender's source account and is made available to a recipient virtually as soon as the requested transfer is approved and confirmed by the sender. A subset of payees that is uniquely associated with the sender and includes a payee and a destination account for the payee is presented in a payee list database. Thereafter, a payee list is displayed for the sender at a terminal in response to entry of a request by the sender for a transfer of funds, and upon selection by the sender of a payee from the payee list and entry of a requested transfer amount, the requested amount is transferred e.g. to a branch of the sender's bank located in a different country via the network switch and, for example, thereafter routed to the payee's destination account in a different bank for withdrawal by the payee.

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