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1. 发明申请

US20100306103A1 System and method for waterfall prioritized payment processing 有权
标题翻译：瀑布优先支付处理的系统和方法
公开(公告)号：US20100306103A1
公开(公告)日：2010-12-02
申请号：US12851743
申请日：2010-08-06
申请人： Matthew W. Hankins , William F. Mann, III , Mark J. Dickelman
发明人： Matthew W. Hankins , William F. Mann, III , Mark J. Dickelman
IPC分类号： G06Q40/00
CPC分类号： G06Q20/102 , G06Q30/04 , G06Q30/06 , G06Q40/00
摘要： The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.
摘要翻译：本发明包括使用多个替代支付来源的“瀑布式”支付处理的系统和方法。付款人提供多个付款来源的帐户信息，例如银行支票帐户，储蓄帐户，第一个信用卡帐户，第二个信用卡帐户等。多个付款来源的优先级是一个主要的付款来源，另一个是辅助付款来源，另一个是第三个付款来源，等等。在设置瀑布付款安排后，如果收款人或第三方付款管理员在收到付款时，付款人按照优先级顺序向付款方提交交易，直到付款满足为止。公开了其它变化和增强。

2. 发明授权

US08620786B2 System and method for waterfall prioritized payment processing 有权
标题翻译：瀑布优先支付处理的系统和方法
公开(公告)号：US08620786B2
公开(公告)日：2013-12-31
申请号：US12851743
申请日：2010-08-06
申请人： Matthew W. Hankins , William F. Mann , Mark Dickelman
发明人： Matthew W. Hankins , William F. Mann , Mark Dickelman
IPC分类号： G06Q40/00
CPC分类号： G06Q20/102 , G06Q30/04 , G06Q30/06 , G06Q40/00
摘要： The invention comprises a system and method for “waterfall” type payment processing using multiple alternative payment sources. A payor provides account information for multiple payment sources, such as a bank checking account, savings account, first credit card account, second credit card account, and so forth. The multiple payment sources are prioritized so that one is a primary payment source, another is a secondary payment source, another is a tertiary payment source, and so forth. After setting up the waterfall payment arrangement, when a bill becomes due a payee or third party payment administrator submits transactions against the payment sources in their order of priority until the payment is satisfied. Other variations and enhancements are disclosed.
摘要翻译：本发明包括使用多个替代支付来源的“瀑布式”支付处理的系统和方法。付款人提供多个付款来源的帐户信息，例如银行支票帐户，储蓄帐户，第一个信用卡帐户，第二个信用卡帐户等。多个付款来源的优先级是一个主要的付款来源，另一个是辅助付款来源，另一个是第三个付款来源，等等。在设置瀑布付款安排后，如果收款人或第三方付款管理员在收到付款时，付款人按照优先级顺序向付款方提交交易，直到付款满足为止。公开了其它变化和增强。

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