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1. 发明授权

US08719154B2 Reputation integration into remittance delivery 有权
标题翻译：声誉融入汇款交付
公开(公告)号：US08719154B2
公开(公告)日：2014-05-06
申请号：US11642030
申请日：2006-12-19
申请人： Vishwanath Shastry , Kristen Ondeck , David Jesse
发明人： Vishwanath Shastry , Kristen Ondeck , David Jesse
IPC分类号： G06Q40/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q30/0283
摘要： One embodiment provides a method of delivering a remittance from a first party to a third party via an intermediary party, in which an intermediary fee is chargeable by the intermediary party. The method includes: receiving, at a payment system, a request to conduct a remittance transaction including a transfer of a first value from a first party to an account of an intermediary party, and by the intermediary party to transfer at least a portion of the first value to a third party; accessing reputation data associated with the intermediary party; and determining an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party, the determining of the intermediary fee being based on the reputation data. The reputation data can be information about the intermediary party, as well as the first party and/or the third party.
摘要翻译：一个实施例提供了一种通过中介方从第一方向第三方递送汇款的方法，其中中介费用由中介方收费。该方法包括：在支付系统处接收进行汇款交易的请求，包括将第一价值从第一方转移到中介方的账户，并由中介方转移至少一部分对第三方的第一个价值; 访问与中介方有关的信誉数据; 以及确定由中介方向第三方转让至少部分第一价值的中介费用，中介费用的确定是基于信誉数据。声誉数据可以是关于中间方以及第一方和/或第三方的信息。

2. 发明申请

US20080147540A1 Reputation integration into remittance delivery 有权
标题翻译：声誉融入汇款交付
公开(公告)号：US20080147540A1
公开(公告)日：2008-06-19
申请号：US11642030
申请日：2006-12-19
申请人： Vishwanath Shastry , Kristen Ondeck , David Jesse
发明人： Vishwanath Shastry , Kristen Ondeck , David Jesse
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q20/02 , G06Q20/10 , G06Q30/0283
摘要： One embodiment provides a method of delivering a remittance from a first party to a third party via an intermediary party, in which an intermediary fee is chargeable by the intermediary party. The method includes: receiving, at a payment system, a request to conduct a remittance transaction including a transfer of a first value from a first party to an account of an intermediary party, and by the intermediary party to transfer at least a portion of the first value to a third party; accessing reputation data associated with the intermediary party; and determining an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party, the determining of the intermediary fee being based on the reputation data. The reputation data can be information about the intermediary party, as well as the first party and/or the third party.
摘要翻译：一个实施例提供了一种通过中介方从第一方向第三方递送汇款的方法，其中中介费用由中介方收费。该方法包括：在支付系统处接收进行汇款交易的请求，包括将第一价值从第一方转移到中介方的账户，并由中介方转移至少一部分对第三方的第一个价值; 访问与中介方有关的信誉数据; 以及确定由中介方向第三方转让至少部分第一价值的中介费用，中介费用的确定是基于信誉数据。声誉数据可以是关于中间方以及第一方和/或第三方的信息。

3. 发明授权

US08433653B2 Centralized transaction record storage 有权
标题翻译：集中交易记录存储
公开(公告)号：US08433653B2
公开(公告)日：2013-04-30
申请号：US13450200
申请日：2012-04-18
申请人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
发明人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
IPC分类号： G06Q10/00 , G06F17/30
CPC分类号： G06Q20/102 , G06F17/30873 , G06Q20/0453 , G06Q20/10 , G06Q30/06 , G06Q40/02 , G06Q40/10 , G06Q40/12
摘要： A system according to an embodiment comprises a plurality of searchable machine-readable transaction records associated with a plurality of user accounts, the searchable machine-readable transaction records comprising transaction information associated with a plurality of user-merchant transactions, wherein the transaction information is provided by merchant server(s) and is captured and passed by one or more users to the system in response to a determination performed at a respective client device of the user(s) that a webpage comprises transaction information such that an address of the webpage matches an address in a transaction webpage database; one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the processor(s) are adapted to cause the system to provide: a transaction record processing application configured to store the captured transaction information in the searchable machine-readable transaction records associated with the user accounts on the system.
摘要翻译：根据实施例的系统包括与多个用户帐户相关联的多个可搜索的机器可读交易记录，所述可搜索机器可读交易记录包括与多个用户 - 商家交易相关联的交易信息，其中提供交易信息通过商家服务器，并且响应于在用户的相应客户端设备执行的确定，一个或多个用户被捕获并被一个或多个用户传递到系统，网页包括交易信息，使得网页的地址匹配交易网页数据库中的地址; 一个或多个处理器; 以及适于存储多个机器可读指令的一个或多个存储器，所述多个机器可读指令当由所述处理器执行时适于使所述系统提供：交易记录处理应用，被配置为将所捕获的交易信息存储在所述可搜索的机器可读指令中，与系统上的用户帐户相关联的可读事务记录。

4. 发明授权

US08660966B2 Payment system and method 有权
标题翻译：支付系统和方法
公开(公告)号：US08660966B2
公开(公告)日：2014-02-25
申请号：US11848936
申请日：2007-08-31
申请人： Siim Viidu , Edith Coenen , Andres Kutt , Kristen Ondeck
发明人： Siim Viidu , Edith Coenen , Andres Kutt , Kristen Ondeck
IPC分类号： G06Q20/00
CPC分类号： G06Q20/401 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/16 , G06Q20/26 , G06Q20/3255 , G06Q40/02
摘要： In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user.
摘要翻译：在一个实施例中，在通信系统的第一用户和第二用户之间传送支付包括在第一用户的用户终端执行的客户端的用户界面中显示联系人列表，该联系人列表包括第二用户。客户机响应于第一用户从联系人列表中选择第二用户，从付款提供商检索和显示至少一个页面。客户端向支付提供商发送与由第一用户输入的页面相关的信息，这导致支付提供者将支付从第一用户的帐户转移到第二用户的帐户。

5. 发明申请

US20090055282A1 SYSTEM AND METHOD FOR PAYMENT ON CALL IN A NETWORKED ENVIRONMENT 有权
标题翻译：用于在网络环境中呼叫支付的系统和方法
公开(公告)号：US20090055282A1
公开(公告)日：2009-02-26
申请号：US11841158
申请日：2007-08-20
申请人： Kristen Ondeck
发明人： Kristen Ondeck
IPC分类号： G06Q30/00
CPC分类号： G06Q20/12 , G06Q20/04 , G06Q20/223 , G06Q20/40 , G06Q30/0617
摘要： A computer-implemented method and system is disclosed in which a network-based e-commerce environment includes a merchant site to receive a voice call associated with a purchase transaction from a consumer, generate a payment request corresponding to the consumer purchase transaction in response to receiving the voice call, send the payment request to a payment site, and receive confirmation from the payment site that payment for the consumer purchase transaction has been received.
摘要翻译：公开了一种计算机实现的方法和系统，其中基于网络的电子商务环境包括商户站点，以从消费者接收与购买交易相关联的语音呼叫，响应于消费者购买交易产生对应于消费者购买交易的支付请求接收语音呼叫，将支付请求发送到支付站点，并且从付款站点接收到已经接收到消费者购买交易的支付的确认。

6. 发明申请

US20110246516A1 CENTRALIZED TRANSACTION RECORD STORAGE 有权
标题翻译：集中交易记录存储
公开(公告)号：US20110246516A1
公开(公告)日：2011-10-06
申请号：US13162472
申请日：2011-06-16
申请人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
发明人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
IPC分类号： G06F17/30
CPC分类号： G06Q20/102 , G06F17/30873 , G06Q20/0453 , G06Q20/10 , G06Q30/06 , G06Q40/02 , G06Q40/10 , G06Q40/12
摘要： Various methods and systems are provided to permit the storage of online transaction records associated with user-merchant transactions facilitated by a payment service provider. In accordance with an embodiment of the disclosure, a method of processing transaction information comprises receiving a webpage at a client device, wherein the webpage has an associated webpage address. The method also includes comparing the webpage address with a transaction webpage database. If the webpage address matches an address of the transaction webpage database, the method includes: capturing at least a portion of the webpage corresponding to transaction information associated with a user-merchant transaction, and passing the transaction information over a network in order to facilitate storage of the transaction information in a transaction record.
摘要翻译：提供各种方法和系统以允许存储与由支付服务提供商促进的用户 - 商家交易相关联的在线交易记录。根据本公开的实施例，处理交易信息的方法包括在客户端设备处接收网页，其中所述网页具有相关联的网页地址。该方法还包括将网页地址与交易网页数据库进行比较。如果网页地址与交易网页数据库的地址相匹配，则该方法包括：捕获对应于与用户商家交易相关联的交易信息的网页的至少一部分，以及通过网络传递交易信息以便于存储的交易记录中的交易信息。

7. 发明申请

US20090076949A1 CENTRALIZED TRANSACTION RECORD STORAGE 有权
标题翻译：集中交易记录存储
公开(公告)号：US20090076949A1
公开(公告)日：2009-03-19
申请号：US11855408
申请日：2007-09-14
申请人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
发明人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
IPC分类号： G06Q40/00
CPC分类号： G06Q20/102 , G06F17/30873 , G06Q20/0453 , G06Q20/10 , G06Q30/06 , G06Q40/02 , G06Q40/10 , G06Q40/12
摘要： Various methods and systems are provided to permit the storage of online transaction records associated with user-merchant transactions facilitated by a payment service provider. In one example, such transaction records may be aggregated by the payment service provider to permit a user to search the records. In another example, such transaction records may be associated with user-selectable links to permit users to reorder previously purchased items referenced by the transaction records. In yet another example, such transaction records may be associated with warranty information to permit users to conveniently view warranty details associated with previously purchased items. In a further example, a client device may be implemented to determine whether a webpage includes transaction information associated with a user-merchant transaction. The transaction information may be captured and passed by the client device over a network in order to facilitate storage of the transaction information in a transaction record.
摘要翻译：提供各种方法和系统以允许存储与由支付服务提供商促进的用户 - 商家交易相关联的在线交易记录。在一个示例中，这种交易记录可以由支付服务提供商聚合以允许用户搜索记录。在另一示例中，这种交易记录可以与用户可选择的链接相关联，以允许用户重新排序由交易记录引用的先前购买的商品。在另一个例子中，这种交易记录可以与保修信息相关联，以便用户方便地查看与先前购买的商品相关的保修细节。在另一示例中，可以实现客户端设备以确定网页是否包括与用户 - 商家交易相关联的交易信息。交易信息可以被客户端设备通过网络捕获和传递，以便于将交易信息存储在交易记录中。

8. 发明申请

US20090063353A1 Payment System and Method 有权
标题翻译：支付系统和方法
公开(公告)号：US20090063353A1
公开(公告)日：2009-03-05
申请号：US11848936
申请日：2007-08-31
申请人： Siim Viidu , Edith Coenen , Andres Kutt , Kristen Ondeck
发明人： Siim Viidu , Edith Coenen , Andres Kutt , Kristen Ondeck
IPC分类号： G06Q40/00 , H04K1/00
CPC分类号： G06Q20/401 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/16 , G06Q20/26 , G06Q20/3255 , G06Q40/02
摘要： In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user.
摘要翻译：在一个实施例中，在通信系统的第一用户和第二用户之间传送支付包括在第一用户的用户终端执行的客户端的用户界面中显示联系人列表，该联系人列表包括第二用户。客户机响应于第一用户从联系人列表中选择第二用户，从付款提供商检索和显示至少一个页面。客户端向支付提供商发送与由第一用户输入的页面相关的信息，这导致支付提供者将支付从第一用户的帐户转移到第二用户的帐户。

9. 发明申请

US20130226749A1 CENTRALIZED TRANSACTION RECORD STORAGE 有权
标题翻译：集中交易记录存储
公开(公告)号：US20130226749A1
公开(公告)日：2013-08-29
申请号：US13860395
申请日：2013-04-10
申请人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
发明人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
IPC分类号： G06Q40/00
CPC分类号： G06Q20/102 , G06F17/30873 , G06Q20/0453 , G06Q20/10 , G06Q30/06 , G06Q40/02 , G06Q40/10 , G06Q40/12
摘要： Methods and systems according to one or more embodiments are provided for storing online transaction records associated with user-merchant transactions. In an embodiment, a system comprises one or more processors. The system also comprises one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to: receive transaction information captured and passed from a client device in response to the client device determining that information or content provided by a merchant server comprises transaction information, wherein the transaction information is associated with a user-merchant transaction; and store the received transaction information in a searchable machine-readable transaction record associated with a user account.
摘要翻译：根据一个或多个实施例的方法和系统被提供用于存储与用户 - 商家交易相关联的在线交易记录。在一个实施例中，系统包括一个或多个处理器。该系统还包括适于存储多个机器可读指令的一个或多个存储器，当多个机器可读指令被一个或多个处理器执行时，其适于使系统响应于客户端接收从客户端设备捕获和传递的交易信息确定由商家服务器提供的信息或内容的设备包括交易信息，其中交易信息与用户 - 商家交易相关联; 并将所接收的交易信息存储在与用户帐户相关联的可搜索的机器可读事务记录中。

10. 发明授权

US08229849B2 Centralized transaction record storage 有权
标题翻译：集中交易记录存储
公开(公告)号：US08229849B2
公开(公告)日：2012-07-24
申请号：US13162472
申请日：2011-06-16
申请人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
发明人： Hugo Olliphant , Kristen Ondeck , German Scipioni , Jeremy Downs
IPC分类号： G06Q10/00 , G06F17/30
CPC分类号： G06Q20/102 , G06F17/30873 , G06Q20/0453 , G06Q20/10 , G06Q30/06 , G06Q40/02 , G06Q40/10 , G06Q40/12
摘要： Various methods and systems are provided to permit the storage of online transaction records associated with user-merchant transactions facilitated by a payment service provider. In accordance with an embodiment of the disclosure, a method of processing transaction information comprises receiving a webpage at a client device, wherein the webpage has an associated webpage address. The method also includes comparing the webpage address with a transaction webpage database. If the webpage address matches an address of the transaction webpage database, the method includes: capturing at least a portion of the webpage corresponding to transaction information associated with a user-merchant transaction, and passing the transaction information over a network in order to facilitate storage of the transaction information in a transaction record.
摘要翻译：提供各种方法和系统以允许存储与由支付服务提供商促进的用户 - 商家交易相关联的在线交易记录。根据本公开的实施例，处理交易信息的方法包括在客户端设备处接收网页，其中所述网页具有相关联的网页地址。该方法还包括将网页地址与交易网页数据库进行比较。如果网页地址与交易网页数据库的地址相匹配，则该方法包括：捕获对应于与用户商家交易相关联的交易信息的网页的至少一部分，以及通过网络传递交易信息以便于存储的交易记录中的交易信息。

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