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1. 发明申请

US20060195396A1 Centralized customer care for electronic payments and other transactions via a wide area communications network 审中-公开
标题翻译：通过广域通信网络集中化电子支付和其他交易的客户服务
公开(公告)号：US20060195396A1
公开(公告)日：2006-08-31
申请号：US11066293
申请日：2005-02-28
申请人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
发明人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102
摘要： Customer care is provided via a wide area communications network to a user who has previously requested payment of a bill of a biller on the user's behalf by a bill payment service provider. The communications network has multiple different network sites including a first network site associated with a customer care entity, and at least two of (i) a second network site associated with the biller, (ii) a third network site associated with a financial institution which maintains a payment account of the user and (iii) a fourth network site associated with the bill payment service provider. A request of the user for assistance regarding the payment of the bill is received. Based on the received request, at least two of (i) information associated with the bill that is available at the second network site, (ii) information associated with the payment account of the user that is available at the third network site and (iii) information associated with one or both of the bill and payment of the bill that is available at the fourth network site, are accessed from the first network site via the communications network. A response to the received request of the user for assistance it then given, e.g. transmitted via a telephone network or the Internet, based on the information accessed at the at least two network sites.
摘要翻译：客户关怀通过广域通信网络提供给先前由帐单支付服务提供商请求代表用户支付账单的账单的用户。通信网络具有多个不同的网络站点，包括与客户关怀实体相关联的第一网络站点，以及（i）与该账单相关联的第二网络站点中的至少两个，（ii）与金融机构相关联的第三网络站点，维护用户的支付帐户，以及（iii）与账单支付服务提供商相关联的第四网络站点。收到用户要求支付帐单的协助请求。根据接收到的请求，（i）与第二网站可用的账单相关联的信息中的至少两个，（ii）与在第三网站可用的用户的支付账户相关联的信息，以及（iii））与第一网络中可用的账单的一个或两个相关联的信息与第四网站可用的账单相关联的信息经由通信网络从第一网站被访问。响应于接收到的用户请求的请求，然后给出其请求。基于在所述至少两个网络站点处访问的信息，经由电话网络或因特网发送。

2. 发明申请

US20050137978A1 Presentation and payment of bills over a wide area communications network 审中-公开
标题翻译：在广域通信网络上呈现和支付账单
公开(公告)号：US20050137978A1
公开(公告)日：2005-06-23
申请号：US11057233
申请日：2005-02-15
申请人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
发明人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
IPC分类号： G06Q20/00 , G06Q30/00 , H04L29/06 , G06F17/60
CPC分类号： G06Q30/04 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q40/00 , G06Q40/02 , H04L29/06 , H04L67/42
摘要： A bill is presented and payment of the presented bill is requested over a communications network having a first network site associated with a bill payment entity, a second network site, which is different than the first network site, associated with a user, and a third network site, which is different than the first and the second network sites, associated with a bill presentment entity, which is different than the bill payment entity. A first signal, representing a request of the user for billing information, is transmitted from the second network site to the first network site. Responsive to the transmitted first signal, a second signal representing a bill availability identifier for a bill of a biller for the user, is transmitted from the first network site to the second network site. The bill availability identifier represented by the transmitted second signal is displayed and a first user input representing a selection of the displayed bill availability identifier is received, at the second network site. A third signal, representing a request of the user for the identified bill, is transmitted from the second network site to a third network site responsive to the first user input. Responsive to the transmitted third signal, a fourth signal representing the requested bill and an associated pay bill indicator, is transmitted from the third network site to the second network site. The bill and associated pay bill indicator represented by the transmitted fourth signal are displayed and a second user input representing a selection of the displayed pay bill indicator is received at the second network site. Responsive to the second user input, a fifth signal representing a request of the user that the bill payment entity pay the displayed bill on behalf of the user, is transmitted from the second network site to the first network site.
摘要翻译：提出了一种帐单并且通过具有与账户支付实体相关联的第一网络站点，与用户相关联的不同于第一网络站点的第二网络站点的通信网络和第三网络站点请求支付所呈现的帐单，与不同于账单支付实体的账单呈现实体相关联的与第一和第二网站不同的网站。代表用户账单信息的请求的第一信号从第二网站发送到第一网站。响应于所发送的第一信号，表示用于用户的帐单的账单的账单可用性标识符的第二信号从第一网络站点发送到第二网络站点。显示由所发送的第二信号表示的票据可用性标识符，并且在第二网站处接收表示所显示的纸币可用性标识符的选择的第一用户输入。表示用户对所识别的帐单的请求的第三信号从第二网站发送到响应于第一用户输入的第三网站。响应于所发送的第三信号，表示所请求的账单的第四信号和相关联的支付单指示符从第三网络站点发送到第二网络站点。显示由发送的第四信号表示的票据和相关工资单指示符，并且在第二网络站点处接收表示所显示的付款单指示符的选择的第二用户输入。响应于第二用户输入，代表用户的请求的第五信号代表用户支付显示的账单，从第二网站发送到第一网站。

3. 发明申请

US20060195397A1 Centralized electronic bill presentment 审中-公开
标题翻译：集中电子帐单呈现
公开(公告)号：US20060195397A1
公开(公告)日：2006-08-31
申请号：US11066458
申请日：2005-02-28
申请人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
发明人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/102 , G06Q20/14
摘要： To make bill information available for presentation to a user entity, a first network site receives a request of the user entity for bill information, from a third network site associated with the user entity. In response, bill information representing a bill of a biller entity for the user entity is retrieved from storage at a second network site associated with a bill information provider entity, such as a biller. The retrieved bill information is transmitted, from the first network site to the third network site, for presentation to the user entity at the third network site. The first, the second, and the third network sites are different network sites.
摘要翻译：为了使帐单信息可用于呈现给用户实体，第一网站从与用户实体相关联的第三网站接收用于账单信息的用户实体的请求。作为响应，代表用户实体的帐单实体的帐单的账单信息从与账单信息提供者实体（例如账单者）相关联的第二网站的存储中检索。从第一网站向第三网站发送检索的帐单信息，以呈现给第三网站的用户实体。第一个，第二个和第三个网站是不同的网站。

4. 发明申请

US20060195395A1 Facilitating electronic payment on behalf of a customer of electronic presented bills 审中-公开
标题翻译：代表电子客户的电子支付方式促进电子支付
公开(公告)号：US20060195395A1
公开(公告)日：2006-08-31
申请号：US11066288
申请日：2005-02-28
申请人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
发明人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/102
摘要： To facilitate electronic presentment of a bill of a biller for a customer and payment of the presented bill on behalf of the customer via a communications network, a first network site associated with a bill payment entity receives a request for billing information from a second network site associated with a customer via a first communications link over a communications network. In response, a bill availability indicator indicative of an availability of a bill of the biller for the customer and having a first linking function, is presented to the second network site via the first communications link. The presented bill availability indicator is selectable at the second network site to activate the first linking function and thereby establish a second communications link over the communications network to a third network site associated with a bill presentment entity for presentment by the third network site to the second network site of a bill of the biller and an associated pay bill indicator having a second linking function to the first network site. The presented pay bill indicator is selectable at the second network site to activate the second linking function and thereby establish a third communications link over the communications network to the first network site for requesting payment of the presented bill of the biller.
摘要翻译：为了方便电子方式呈现客户的帐单账单并通过通信网络代表客户支付所提供的账单，与账单支付实体相关联的第一网络站点从第二网络站点接收对账单信息的请求通过通信网络上的第一通信链路与客户相关联。作为响应，经由第一通信链路向第二网络站点呈现指示客户的帐单的帐单的可用性并具有第一链接功能的账单可用性指示符。所呈现的帐单可用性指示符可在第二网络站点选择以激活第一链接功能，从而通过通信网络建立第二通信链路到与账单呈现实体相关联的第三网络站点，用于由第三网络站点呈现给第二网络站点帐单的账单的网站和与第一网络站点具有第二链接功能的相关联的支付单指示符。所呈现的支付单指示符可在第二网站选择以激活第二链接功能，从而通过通信网络建立到第一网站的第三通信链路，用于请求支付所述提交的账单的账单。

5. 发明申请

US20070121840A1 STORING NOTICE OF REMITTANCE RECEIVED IN A DISTRIBUTED DATA NETWORK 审中-公开
标题翻译：存储在分布式数据网络中接收到的恢复通知
公开(公告)号：US20070121840A1
公开(公告)日：2007-05-31
申请号：US11534159
申请日：2006-09-21
申请人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
发明人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
IPC分类号： H04M15/00
CPC分类号： G06Q30/04 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q40/00 , G06Q40/02 , H04L29/06 , H04L67/42
摘要： A method and system for storing a notice of the receipt of a payment in a distributed data network is disclosed. A bill payment request is received at a first network station from a second network station. A payment associated with the received bill payment request is then remitted. Then, a notification is received at the first network station from a third network station indicating that the payment has been received.
摘要翻译：公开了一种在分布式数据网络中存储支付接收通知的方法和系统。在第一网络站从第二网络站接收到账单支付请求。然后汇出与收到的帐单支付请求相关联的付款。然后，在第一网络站从第三网络站接收到指示已经接收到支付的通知。

6. 发明申请

US20060184451A1 Integrated electronic presentment and payment of bills by different entities 有权
标题翻译：综合电子出版物和不同实体支付账单
公开(公告)号：US20060184451A1
公开(公告)日：2006-08-17
申请号：US11059370
申请日：2005-02-17
申请人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
发明人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q40/00 , G06Q40/02 , H04L29/06 , H04L67/42
摘要： To electronically present bills and request payment of presented bills, billing information representing a bill of a biller for a payee, and an associated selectable payment indicator having a first linking function, are received from a first network site associated with a bill presentment entity via a first communications link over a communications network. The received billing information and payment indicator are displayed. An input representing a selection of the displayed payment indicator is received. Based on the receipt of this input, the first linking function is activated to establish a second communications link over the communications network to a second network site, different that the first network site, associated with a bill payment entity, and to transmit a request to pay the represented bill on behalf of the payee to the second network site via the second communications link.
摘要翻译：为了电子地呈现账单并请求支付所提供的账单，代表收款人的账单的帐单的帐单信息和具有第一链接功能的相关联的可选支付指示符通过经由账单呈现实体的第一网络站点被接收通信网络上的第一通信链路。显示接收到的计费信息和支付指示符。接收表示所显示的支付指示符的选择的输入。基于该输入的接收，第一链接功能被激活以通过通信网络建立到第二网络站点的第二通信链路，不同于与账单支付实体相关联的第一网络站点，并且将请求发送到通过第二通信链接代表收款人向第二网站支付代表的帐单。

7. 发明申请

US20060064377A1 Electronic bill presentment via a wide area communications network 有权
标题翻译：电子帐单通过广域通信网络呈现
公开(公告)号：US20060064377A1
公开(公告)日：2006-03-23
申请号：US10645521
申请日：2003-08-22
申请人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
发明人： Ravi Ganesan , Mark Harris , Hans Dreyer , Kathryn Wolfe
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q40/00 , G06Q40/02 , H04L29/06 , H04L67/42
摘要： Bill information is electronically presented to a user via a wide-area communications network. The wide-area communications network has multiple different network sites, including a first network site associated with a first bill information presentment entity, a second network site associated with a first user entity, and a third network site associated with a second bill information presentment entity. First information for authenticating the first user entity is received by the first bill information presentment entity. The first user entity is authenticated to the third network site based on this received first authentication information. First bill information, which represents a first bill of a first biller for the first user entity, is accessed at the third network site based on the authentication of the first user entity to this site. The accessed first bill information is transmitted from the first network site to the second network site, for presentation to the first user entity.
摘要翻译：帐单信息通过广域通信网络电子呈现给用户。广域通信网络具有多个不同的网络站点，包括与第一帐单信息呈现实体相关联的第一网站，与第一用户实体相关联的第二网站，以及与第二帐单信息呈现实体相关联的第三网站。用于认证第一用户实体的第一信息由第一帐单信息呈现实体接收。基于该接收的第一认证信息，第一用户实体被认证到第三网站。基于对该站点的第一用户实体的认证，代表第一用户实体的第一帐单的第一账单的第一帐单信息在第三网站被访问。所访问的第一帐单信息从第一网站发送到第二网站，以呈现给第一用户实体。

8. 发明申请

US20100017332A1 INTER-NETWORK FINANCIAL SERVICE 有权
标题翻译：互联网金融服务
公开(公告)号：US20100017332A1
公开(公告)日：2010-01-21
申请号：US12551249
申请日：2009-08-31
申请人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
发明人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
IPC分类号： G06Q20/00 , H04L9/00
CPC分类号： G06Q20/027 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/12 , G06Q20/382 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider. The first payment service provider supports a first payment network within a plurality of payment networks that each include a respective plurality of payers and payees. The payer is one of the plurality of payers and payees associated with the first payment network, and the payor is not one of the plurality of payers and payees associated with the first payment network. A second payment network within the plurality of payment networks with which the payee is associated is identified by the first payment service provider. A payment instruction to make the payment to the payee is transmitted by the first payment service provider to a second payment service provider associated with the second payment network.
摘要翻译：提供了代付款人向收款人付款的系统和方法。在第一支付服务提供商处收到代表付款人向收款人付款的请求。第一支付服务提供商支持在多个支付网络内的第一支付网络，每个支付网络包括相应的多个付款人和收款人。付款人是与第一支付网络相关联的多个付款人和收款人之一，并且付款人不是与第一支付网络相关联的多个付款人和收款人中的一个。由第一支付服务提供商识别与收款人相关联的多个支付网络内的第二支付网络。将支付给收款人的支付指令由第一支付服务提供商发送到与第二支付网络相关联的第二支付服务提供商。

9. 发明申请

US20090319410A1 Inter-Network Electronic Billing 有权
标题翻译：网络间电子计费
公开(公告)号：US20090319410A1
公开(公告)日：2009-12-24
申请号：US12551253
申请日：2009-08-31
申请人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
发明人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
IPC分类号： G06Q30/00 , G06Q20/00 , G06F15/16
CPC分类号： G06Q20/027 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/12 , G06Q20/382 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for electronic billing activation are provided. A request on behalf of a payer to activate electronic billing from a biller for the payer is received by a first electronic financial service provider (EFSP) that supports a first of a plurality of electronic financial service networks (EFSNs) from a second EFSP that supports a second of the plurality of EFSNs. Each of the plurality of EFSNs includes a respective plurality of billers or payers, and the biller is associated with the first EFSN and not associated with the second EFSN, while the payer is not associated with the first EFSN. In response to the received request, activation confirmation information is transmitted by the first EFSP to the second EFSP. The electronic billing activation enables subsequent electronic transmission of a bill from the biller for the payer.
摘要翻译：提供了用于电子计费激活的系统和方法。代表付款人从支付者的账单中激活电子账单的请求由第一电子金融服务提供商（EFSP）接收，该第一电子金融服务提供商（EFSP）从支持多个电子金融服务网络（EFSN）的第一个EFSP支持是多个EFSN中的第二个。多个EFSN中的每一个包括相应的多个帐单者或支付者，并且所述账单与所述第一EFSN相关联并且不与所述第二EFSN相关联，而所述付款者不与所述第一EFSN相关联。响应于接收到的请求，激活确认信息由第一EFSP发送到第二EFSP。电子计费激活使得后续电子传输用于付款者的账单的账单。

10. 发明申请

US20120271761A1 INTER-NETWORK FINANCIAL SERVICE 审中-公开
标题翻译：互联网金融服务
公开(公告)号：US20120271761A1
公开(公告)日：2012-10-25
申请号：US13539241
申请日：2012-06-29
申请人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
发明人： Peter Kight , Ravi Ganesan , Matt Lewis , D. Kenneth Hobday, JR. , Hans Dreyer
IPC分类号： G06Q20/10
CPC分类号： G06Q20/027 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q20/12 , G06Q20/382 , G06Q30/04 , G06Q40/00
摘要： Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider. The first payment service provider supports a first payment network within a plurality of payment networks that each include a respective plurality of payers and payees. The payer is one of the plurality of payers and payees associated with the first payment network, and the payor is not one of the plurality of payers and payees associated with the first payment network. A second payment network within the plurality of payment networks with which the payee is associated is identified by the first payment service provider. A payment instruction to make the payment to the payee is transmitted by the first payment service provider to a second payment service provider associated with the second payment network.
摘要翻译：提供了代付款人向收款人付款的系统和方法。在第一支付服务提供商处收到代表付款人向收款人付款的请求。第一支付服务提供商支持在多个支付网络内的第一支付网络，每个支付网络包括相应的多个付款人和收款人。付款人是与第一支付网络相关联的多个付款人和收款人之一，并且付款人不是与第一支付网络相关联的多个付款人和收款人中的一个。由第一支付服务提供商识别与收款人相关联的多个支付网络内的第二支付网络。将支付给收款人的支付指令由第一支付服务提供商发送到与第二支付网络相关联的第二支付服务提供商。

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