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1. 发明申请

WO2013044285A1 TRANSACTION DOCUMENT STORAGE 审中-公开
标题翻译：交易文件存储
公开(公告)号：WO2013044285A1
公开(公告)日：2013-04-04
申请号：PCT/AU2011/001268
申请日：2011-09-30
申请人： CARDLINK SERVICE LIMITED , WILLIAMS, Richard Mark , BROWN, Keith Robert Goding
发明人： WILLIAMS, Richard Mark , BROWN, Keith Robert Goding
IPC分类号： G06Q40/00
CPC分类号： G06F17/30011 , G06Q40/00
摘要： The disclosure concerns computing systems of financial institutions and computing systems that interact and support functions of financial institutions, including the exchange of documents between two users of the system. When implemented as a computer (105) the computer (105) provides access for a user to a document. The computer (105) receives from a sending party (103) document data and a user identifier and determines a document identifier and the receiving financial institution (102). The computer (105) then sends to a receiving financial institution (102) the document identifier and the user identifier causing the receiving financial institution (102) to display information related to the document identifier to the user (101) such that the user (101) can request the document. The computer (105) then receives from the receiving financial institution (102) a request from the user (101) for the document. The computer (105) determines a document reference and a document storage provider and provides access to the document.
摘要翻译：本公开涉及金融机构和计算系统的计算系统，其交互和支持金融机构的功能，包括系统的两个用户之间的文档交换。当作为计算机（105）实现时，计算机（105）为用户提供对文档的访问。计算机（105）从发送方（103）接收文档数据和用户标识符，并确定文档标识符和接收金融机构（102）。然后，计算机（105）向接收金融机构（102）发送文件标识符和用户标识符，使得接收金融机构（102）向用户（101）显示与文件标识符有关的信息，使得用户）可以请求文件。然后计算机（105）从接收金融机构（102）接收来自用户（101）的关于该文件的请求。计算机（105）确定文档参考和文档存储提供商并提供对文档的访问。

2. 发明申请

WO2013044287A1 PAYMENT REQUESTS 审中-公开
标题翻译：付款要求
公开(公告)号：WO2013044287A1
公开(公告)日：2013-04-04
申请号：PCT/AU2011/001270
申请日：2011-09-30
申请人： CARDLINK SERVICES LIMITED , WILLIAMS, Richard Mark , BROWN, Keith Robert Goding
发明人： WILLIAMS, Richard Mark , BROWN, Keith Robert Goding
IPC分类号： G06Q40/00
CPC分类号： G06Q20/223 , G06Q20/10
摘要： The disclosure concerns computing systems that support payments between two users. When implemented as a computer (105) the computer (105) facilitates P2P- payment. The computer (105) receives from a payee (103) or a payee FI (104) a payment request. The payment request includes a payer identifier, a payee identifier and payment information. The computer (105) then determines a payer FI (102) and sends the payment request to the payer FI (102) to cause the payer FI (102) to notify the payer (101) of the payment request and to enable the payer (101) to confirm payment. The computer 105 receives from the payer FI (102) a payment notification for the payment and sends the payment notification to the payee FI (104). The payer (101) and the payee (103) are not required to open a new account at a third party system but the funds are transferred directly from the payer FI (101) to the payee FI (103).
摘要翻译：本公开涉及支持两个用户之间的支付的计算系统。当实现为计算机（105）时，计算机（105）便于P2P支付。计算机（105）从收款人（103）或收款人FI（104）接收付款请求。支付请求包括付款人标识符，收款人标识符和支付信息。计算机（105）然后确定付款人FI（102）并将支付请求发送给付款人FI（102），以使付款人FI（102）通知付款人（101）支付请求并使支付者（ 101）确认付款。计算机105从付款人FI（102）接收付款的支付通知，并将支付通知发送给收款人FI（104）。付款人（101）和收款人（103）不需要在第三方系统开立新帐户，但资金直接从付款人FI（101）转移到收款人FI（103）。

3. 发明申请

WO2013044286A1 ONLINE PAYMENT 审中-公开
标题翻译：在线支付
公开(公告)号：WO2013044286A1
公开(公告)日：2013-04-04
申请号：PCT/AU2011/001269
申请日：2011-09-30
申请人： CARDLINK SERVICES LIMITED , WILLIAMS, Richard Mark , BROWN, Keith Robert Goding
发明人： WILLIAMS, Richard Mark , BROWN, Keith Robert Goding
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q20/02 , G06Q20/12 , G06Q20/385 , G06Q20/401
摘要： The disclosure concerns computing systems that support authorisation of payments to online merchants (103). The computer (105) receives from the merchant (103) or a financial institution of the merchant (merchant FI) (104) a payment request The computer (105) determines a customer FI (102) and sends the payment request to the customer FI (102) to cause the customer FI (102) to send to the customer (101) an authorisation code. The computer (105) then receives an authorisation request associated with the payment having the authorisation code as provided by the customer (101) to the merchant (103). The computer (105) determines the customer FI (102) and sends the authorisation request to the customer FI (102) to cause the customer FI (102) to verify the authorisation code. In reply the computer (105) receives from the customer FI (102) an authorisation confirmation for the payment and sends the authorisation confirmation to the (merchant 103) or merchant FI (104).
摘要翻译：本公开涉及支持对在线商家的付款授权的计算系统（103）。计算机（105）从商家（103）或商人（商家FI）（104）的金融机构接收支付请求。计算机（105）确定客户FI（102）并将支付请求发送给客户FI （102）使得客户FI（102）向客户（101）发送授权码。计算机（105）然后接收与客户（101）提供的具有授权码的支付相关联的授权请求给商家（103）。计算机（105）确定客户FI（102）并将授权请求发送给客户FI（102），以使客户FI（102）验证授权码。作为答复，计算机（105）从客户FI（102）接收支付的授权确认，并向（商户103）或商户FI（104）发送授权确认。

4. 发明申请

WO2012162718A1 ADDRESSES IN FINANCIAL SYSTEMS 审中-公开
标题翻译：财务系统地址
公开(公告)号：WO2012162718A1
公开(公告)日：2012-12-06
申请号：PCT/AU2011/001271
申请日：2011-09-30
申请人： CARDLINK SERVICES LIMITED , WILLIAMS, Richard Mark , BROWN, Keith Robert Goding
发明人： WILLIAMS, Richard Mark , BROWN, Keith Robert Goding
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： The disclosure concerns computing systems of financial institutions and computing systems that interact and support functions of financial institutions, including porting of addresses between financial institutions. When implemented as a computer 104, the computer (104) enables, in communication with a network the association of a user identifier with a gaining financial institution (FI) (103), wherein the user identifier is associated with an original FI (102). The computer (104) receives from the gaining FI (103) a request to associate the user identifier with the gaining FI (103). The computer (104) then sends to the original FI (102) the request. In response, the computer 104 receives from the original FI (102) a confirmation of the request and stores in computer storage a change in the association of the user identifier from the original FI (102) to the gaining FI (103). As a result, a user can change accounts and FIs without having to also change the user identifier.
摘要翻译：该披露涉及金融机构和计算机系统的交互和支持金融机构功能的计算系统，包括移交金融机构之间的地址。当被实现为计算机104时，计算机（104）在与网络通信时使得用户标识符与获得金融机构（FI）（103）的关联，其中用户标识符与原始FI（102）相关联，。计算机（104）从获取FI（103）接收将用户标识符与获取FI（103）相关联的请求。计算机（104）然后向原始FI（102）发送该请求。作为响应，计算机104从原始FI（102）接收对该请求的确认，并在计算机存储器中存储用户标识符与原始FI（102）到获取FI（103）的关联的改变。结果，用户可以改变帐户和FI，而不必也改变用户标识符。

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