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1. 发明授权

US08082210B2 Authentication for online money transfers 有权
标题翻译：在线汇款验证
公开(公告)号：US08082210B2
公开(公告)日：2011-12-20
申请号：US10832809
申请日：2004-04-26
申请人： Scott Hansen , Kirsten S. Fry-Sanchez , Kim C. Hosmer , Ed N. Cortez , Debra Joyner , Jennifer Wieth , Mark D. Baumgart
发明人： Scott Hansen , Kirsten S. Fry-Sanchez , Kim C. Hosmer , Ed N. Cortez , Debra Joyner , Jennifer Wieth , Mark D. Baumgart
IPC分类号： H04M15/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/403
摘要： According to the invention, a method for processing a transaction where the transaction is initiated by a payor online, but paid to a payee in-person, is disclosed. In one step, payor information is accepted at a location that located across a wide area network from the payor. Transaction information and payment source information is also accepted at the location. The transaction information includes an amount and a payee identifier and the payment source information includes account details associated with an account of the payor at a money handler. A risk related to a likelihood that the transaction will complete successfully is evaluated. Validating that the payment source information is associated with the payor is manually performed if the risk is excessive. The risk can generally be reduced by the manual validation. The money handler is billed for at least the amount. It is determined if the money handler settles the amount. Historical information on the transaction is stored.
摘要翻译：根据本发明，公开了一种处理交易的方法，其中交易由在线支付者发起，但是以个人方式支付给收款人。在一个步骤中，付款人信息在位于广域网的付款人的位置被接受。交易信息和付款来源信息也被接受在该位置。交易信息包括金额和收款人标识符，并且支付来源信息包括与货币处理者处的付款人的帐户相关联的帐户详细信息。与交易成功完成的可能性相关的风险进行评估。如果风险过大，则手动执行付款来源信息与付款人相关联的验证。通常可以通过手动验证来降低风险。货币处理员至少要支付金额。货币处理人是否确定金额。存储有关交易的历史信息。

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