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1. 发明授权

US07685067B1 Computer-assisted funds transfer system 有权
标题翻译：计算机辅助资金转账系统
公开(公告)号：US07685067B1
公开(公告)日：2010-03-23
申请号：US09312028
申请日：1999-05-14
申请人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
发明人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A payment request associated with a transfer of funds is received and a risk management assessment for both sides thereof is performed. If the risk management assessment procedure produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed for delivery of a payment associated therewith. The risk management assessment may be performed on the basis of credit/authentication information derived from customer information received with (or even prior to) the payment request. Such customer information may include credit card account information and/or bank account information (e.g., checking account) information. In some cases, the risk management assessment may include an automated component and a manual (non-automated) component. Such a manual component may be needed where the automated component of the risk management assessment provides suspect information regarding one of the parties to the transaction. Where the payment request is processed for delivery of the payment, such processing may include submitting a payment authorization request, and, upon receiving a settlement indication regarding that payment authorization request, transmitting the payment. In some cases, the payment may be transmitted as a check, while in others it may be transmitted as a money order or instruction to have funds automatically deposited in an account.
摘要翻译：收到与资金转移相关的支付请求，并对其两侧执行风险管理评估。如果风险管理评估程序产生不利指示，则付款请求被拒绝。否则，可以处理支付请求以递送与之相关联的支付。可以基于从（或甚至在付款请求之前）接收的客户信息得到的信用/认证信息来执行风险管理评估。这样的客户信息可以包括信用卡帐户信息和/或银行帐户信息（例如，检查帐户）信息。在某些情况下，风险管理评估可能包括自动化组件和手动（非自动化）组件。在风险管理评估的自动化部分提供关于交易的一方的可疑信息的情况下，可能需要这样的手动部件。在处理支付请求以交付付款的情况下，这种处理可以包括提交付款授权请求，并且在收到关于该支付授权请求的结算指示时，发送支付。在某些情况下，支付可以作为支票发送，而在其他情况下，支付可以作为汇款单或指令发送，以将资金自动存入账户。

2. 发明授权

US08296231B2 Network accessible funds transfer system 有权
标题翻译：网络资金转账系统
公开(公告)号：US08296231B2
公开(公告)日：2012-10-23
申请号：US12648063
申请日：2009-12-28
申请人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
发明人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A network-accessible funds transfer system is disclosed that is capable of controlling a funds transfer transaction in which a funds transfer service collects funds from a payer and transfers collected funds to a payee. In one embodiment, the funds transfer service uses credit card information specified by the payer via the service's user interface to collect funds from the payer (through interactions with a third party fulfillment service), and uses bank account information specified by the payee via the service's user interface to transfer collected funds to a bank account of the payee.
摘要翻译：公开了一种能够控制资金转移交易的网络可访问的资金转帐系统，其中资金转账服务从付款人处收取资金并将收款资金转移给收款人。在一个实施例中，资金转移服务使用由付款人通过服务的用户界面指定的信用卡信息来从付款人收集资金（通过与第三方履行服务的交互），并且使用通过服务的收款人指定的银行帐户信息用户界面将收款资金转入收款人的银行账户。

3. 发明授权

US07194437B1 Computer-based funds transfer system 有权
标题翻译：基于计算机的资金转账系统
公开(公告)号：US07194437B1
公开(公告)日：2007-03-20
申请号：US09312309
申请日：1999-05-14
申请人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
发明人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/00 , G06Q20/04 , G06Q20/10 , G06Q20/102
摘要： A service configured to be accessible by two or more parties to a two-sided funds transfer transaction through a computer network (e.g., the Internet) provides functionality for sending a payment request to a target payer or payee who is not yet registered with the service. Depending upon who is initiating the transaction (i.e., a payer or a payee) the payment requests may be received as requests to send payments or requests to collect payments. In the latter case, the service may be further organized to solicit a payment, for example by transmitting an e-mail message to a second party to the funds transfer transaction. When used to collect payments, the service may be further organized to process one or more responses to the above-mentioned solicitations.
摘要翻译：通过计算机网络（例如，互联网）配置为可由两个或更多个方面进行双边资金转移交易的服务提供了向未向该服务注册的目标付款人或收款人发送支付请求的功能。根据谁正在发起交易（即付款人或收款人），付款请求可以作为发送付款或要求收款的请求而被接收。在后一种情况下，可以进一步组织服务以征求支付，例如通过向资金转移交易的第二方发送电子邮件消息。当用于收取付款时，可以进一步组织服务以处理对上述请求的一个或多个答复。

4. 发明授权

US07689487B1 Computer-assisted funds transfer system 有权
标题翻译：计算机辅助资金转账系统
公开(公告)号：US07689487B1
公开(公告)日：2010-03-30
申请号：US11845977
申请日：2007-08-28
申请人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
发明人： Mark J. Britto , Aimee K. Cardwell , FuMing Young , Nicholas K. Peddy , Adrian J. Blakey , Angela C. Lee , Erich L. Ringewald
IPC分类号： F40
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/04
摘要： A funds transfer system is disclosed that is responsive to a receipt of a payment request by performing a risk management assessment of an associated payer and payee. If the risk management assessment produces an adverse indication, the payment request is declined. Otherwise, the payment request may be processed by causing funds to be transferred between the payer and payee. The risk management assessment may be performed on the basis of credit and/or authentication information derived from customer information received with or prior to the payment request. Such customer information may, for example, include credit card account information and/or bank account information.
摘要翻译：公开了一种资金转帐系统，其通过执行相关的付款人和收款人的风险管理评估来响应收到付款请求。如果风险管理评估产生不利指示，则付款请求被拒绝。否则，可以通过在付款人和收款人之间转移资金来处理付款请求。风险管理评估可以基于从在付款请求之前或之前收到的客户信息得到的信用和/或认证信息来执行。这样的客户信息可以例如包括信用卡帐户信息和/或银行帐户信息。

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