CN101443821A - 通道内货币转移的系统和方法 - Google Patents
通道内货币转移的系统和方法 Download PDFInfo
- Publication number
- CN101443821A CN101443821A CN 200680016765 CN200680016765A CN101443821A CN 101443821 A CN101443821 A CN 101443821A CN 200680016765 CN200680016765 CN 200680016765 CN 200680016765 A CN200680016765 A CN 200680016765A CN 101443821 A CN101443821 A CN 101443821A
- Authority
- CN
- China
- Prior art keywords
- transfer
- client
- money
- transfer pair
- code
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
Abstract
本发明提供了发起、协助、处理和/或执行货币转移的系统和方法。一种这样的方法包括:从卖主场所接收要对转移配对进行验证的请求(360),验证所述转移配对相关于有效的转移配对记录(362)。该方法包括:发送转移配对验证结果给卖主场所(368),从卖主场所接收与转移配对相关的货币转移请求(370),批准货币转移到与转移配对相关的第一和第二客户中的至少一个(372),采用这种方式,卖主场所可以包括销售点装置,并且可以是零售店(例如百货商店或加油站等),该卖主场所可用于在两个客户之间进行货币转移。
Description
技术领域
[0001]概括地说,本发明涉及货币转移领域,具体地说,涉及通过使用销售点系统发起或协助转移而在两个经常的实体或客户之间进行货币转移。
背景技术
[0002]现有的货币转移程序通常为,个人到货币转移场所,例如西联(Western Union)场所,并向客户服务代理提供各种私人信息。该私人信息可以包括汇款人和收款人的名称和地址、身份证明和货币转移数量。该信息被输入到货币转移系统中,并用于创建货币转移的记录。一旦从汇款人接收到了所汇的钱款,收款人就可以到不同的货币转移场所,例如另一家西联场所,来提取钱款。在提取钱款之前,可能需要收款人提供货币转移号码和/或身份证明。一般情况下,即使当汇款人和收款人相同时,之后的每次货币转移也需遵循该程序。因此,使用货币转移系统而经常进行货币转移的人就需要重复提供过多的相同信息。该问题需要得到解决。
发明内容
[0003]概括地说,本发明涉及货币转移领域,具体地说,涉及通过使用销售点系统发起或协助转移而在两个经常的实体或客户之间进行货币转移。本发明提供了发起、协助、处理和/或执行货币转移的系统和方法。在一个这样的实施例中,处理货币转移的方法包括:从一个销售点场所接收转移配对验证请求,并验证所述转移配对相关联于有效的转移配对记录。该方法包括:发送转移配对验证到卖主场所,从卖主场所接收与转移配对相关的货币转移请求,准予货币转移到与所述转移配对相关的第一和第二客户中的至少一个。在这种方式中,卖主场所可以包括销售点装置并可以是零售店(例如百货商店、加油站等),该卖主场所可以用于在两个具有已建立的转移配对记录的客户之间进行货币转移。
[0004]在一方面,本发明还包括建立与第一和第二客户相关的转移配对记录。转移配对记录可以例如通过如下方式而建立:验证第一和第二客户中至少一个的身份,接收第一和第二客户信息并创建其数据库记录,并提供转移配对代码给所述第一和第二客户中的至少一个。在一些方面,转移配对代码包括文字数字字符串。转移配对代码还可以包括货币转移收款人指示符。例如,代码可以具有前缀或后缀以指示货币转移所涉及的两个客户中哪一个是收款人。
[0005]在一方面,本方法包括发送费用请求给卖主场所。这可以发生在例如将转移配对验证结果发送给卖主场所的时候。该费用请求可以是在客户发起货币转移时所收取的货币转移费。该收费可以是固定的费用(例如每笔货币转移的固定美元量)或可变费用(例如转移的美元量的一定百分比)。
[0006]在一些方面,本方法包括:接收对应于货币转移请求的付款记录。付款记录可以由与卖主场所相关的销售点装置或计算机系统来创建。付款记录可以表明客户所请求的转移量。在其他方面中,转移量是固定的,并且,转移量的记录还可以存储在转移配对记录中。该特征适用于例如客户希望每周、每一支付周期或每月等转移相同量的情况。
[0007]在一些方面中,与所述货币转移请求相关的钱款被分配给第一或第二客户。该分配可以涉及:在分配钱款之前,从第一或第二客户接收与所述转移配对相关的转移配对代码。在这种方式中,期望的收款人在接收货币转移之前,提供转移配对代码和其他可能的身份证明。
[0008]本发明还提供有助于客户进行货币转移的方法。一个这样的方法包括:从第一客户接收货币转移请求和转移配对代码。要求转移配对验证的请求被发送给主计算机,并从主计算机接收转移配对验证结果。如果没有接收到验证结果,则在一些方面中,货币转移请求被拒绝。或者,在获得客户信息后,可以继续货币转移。该方法包括:从第一客户接收货币转移以转移到与转移配对代码相关的第二客户,并发送货币转移请求和付款记录给主计算机。在一些方面中,向第一客户提供收据。在一些方面中,至少一部分转移是使用销售点装置或系统来实现的。在其他实施例中,一些或所有的交易是通过网站界面、语音识别单元或客户服务代表等来实现的。在该方式中,可以在两个已提前登记的实体(例如公共事业公司或其他服务提供商)和/或已提前登记的客户(例如个人)或其某个组合之间进行多个交易,而无需为每次交易收集大量的数据或信息。
[0009]本发明的方法特别适用于,例如当在零售店购物时,“在通道内(in-lane)”发起货币转移。在一方面中,该方法还包括:从第一客户接收消费项目的购买请求。该付款包括与第一客户商品相关的第一付款部分和与货币转移请求相关的第二付款部分。在一些方面中,付款还包括与货币转移费用相关的第三付款部分。在该方式中,客户可以发起货币转移,同时进行其他购物或执行其他任务,或同时处于不仅为货币转移所设计的场所中。转移配对的使用,特别是由第一和/或第二客户在之前建立的转移配对的使用,将缩减或消除在其他情况下货币转移之前需要提供的个人信息量。在一些实施例中,发起方客户仅需提供转移配对和转移量。
[0010]本发明还提供了发起、执行、处理或协助货币转移的系统。一个这样的系统包括具有连接到数据库的处理器的主计算机。该主计算机还包括执行本发明各种方法的代码。在一个特定实施例中,主计算机包括:从销售点装置接收验证转移配对的请求的代码,验证转移配对是否相关联于有效的转移配对记录的代码,发送转移配对验证结果给销售点装置的代码。主计算机还包括从销售点装置接收与转移配对相关的货币转移请求的代码,准予货币转移到与转移配对相关的第一客户和第二客户中的至少一个的代码。在这种方式中,可以在诸如销售点装置的远程场所发起货币转移。在一些实施例中,系统包括销售点装置。
[0011]在一些实施例中,系统还包括建立与第一客户和第二客户相关的转移配对记录的代码。可以使用接收第一和第二客户信息并创建其数据库记录以包括转移配对代码的代码来建立记录。随后将转移代码提供给第一和第二客户中的至少一个。
[0012]根据下列详细描述、所附权利要求和附图,本发明的其他目的、特征和优势将变得更加显而易见。
附图说明
[0013]图1是根据本发明实施例的转移配对记录的简化示图;
[0014]图2是根据本发明实施例的用于协助货币转移的简化的系统示意图;
[0015]图3A和3B是根据本发明实施例的方法的简化流程图。
具体实施方式
[0016]本发明包括在两个用户、实体或客户之间进行发起、协助、处理和/或执行货币转移或其他重复的金融交易的系统和方法。本发明的实施例特别适用于共同向同一或相同几个收款人进行货币转移的客户。例如,在美国的合法外籍劳工可以使用货币转移系统来将钱款转移回他们在墨西哥或中南美国家的家中。这样的货币转移可能经常出现,其间隔例如对应于雇主向劳工发放工资的时间。本发明的某些实施例将特别适用于当这些客户每次期望货币转移时所必须提供的信息量。此外,通过使用本发明的系统和方法,可以增加能够发起货币转移的场所的数量。
[0017]在一些实施例中,为一对客户创建转移配对记录100。如图1所示,在一个示例性实施例中,转移配对记录100包括第一客户110的信息和第二客户120的信息。该信息包括客户的名称和地址。转移配对记录100还可以包括客户110和120的其他信息,其包括但不限于:电话号码、蜂窝电话号码、email地址、社会保险号码、出生日期、驾照号码、工作证号码、密码、信用卡信息、银行账户信息和其他支付方式的信息等等。图1示出了转移配对记录100中第一客户110和第二客户120的相似信息。在另一个实施例中,第一客户110和第二客户120的信息量可能不同。例如,如果第二客户120总是作为收款人,则其信息量可以多于或少于第一客户110。此外,不是所有的客户都具有相同量的私人信息。例如,客户110和/或120可能不具有有效的驾照、美国社会保险号码或email地址等等。转移配对记录100特别适用于经常相互货币转移或从一方向另一方转移货币的第一和第二客户110和120。
[0018]在本发明的保护范围内,可以以多种方式来创建转移配对记录100。例如,第一客户110可以到诸如西联场所之类的货币转移场所并向客户服务代表(CSR)提供第一客户110和第二客户120的相关信息。例如,这可以出现在第一客户110是这两方客户之间交易的汇款人的情况下。CSR通过将所获得的信息输入装有相应软件的计算机系统来创建转移配对记录100。还可以通过让第一客户110在网站(例如西联网站)填写客户信息来创建转移配对记录100。在其他实施例中,通过电话、手机或无线设备等来将客户信息告知给CSR或交互式语音响应(IVR)系统,从而创建转移配对记录100。从客户110和/或120获得的信息量可能会受到爱国者法案(Patriot Act)或其他联邦、州或地方法律的限制。
[0019]在特定实施例中,第一客户110和第二120期望经常或比较经常地在他们之间或从他们之中的一方向另一方汇款。在某些实施例中,第一客户110总是汇款人,而第二客户120总是收款人。在其他实施例中,例如在第二客户120向第一客户110偿还借款的时候,第二客户120在有些场合也是汇款人。
[0020]在一个实施例中,转移配对记录110的创建包括创建转移配对代码140。在本发明的范围内,转移配对代码140可以采用多种不同的形式。如图1所示,在一个实施例中,转移配对代码140包括字母数字字符串。在某些实施例中,转移配对代码140包括字符、代码段或类似标识符用于指定收款人。标识符可以是前缀和/或后缀,用于指定客户110和120中哪方是汇款人以及哪方是收款人。例如,如图1所示,后缀“-A”可以表示第一客户110向第二客户120汇款,而后缀“-B”可以表示将钱款从第二客户120转移到第一客户110。在其他实施例中,转移配对代码140根据客户110和120中谁是汇款人和谁是收款人而完全不同。在一些实施例中,转移配对代码140可以使用不同于字母数字字符串的其他形式。例如,转移配对代码140可以是发送或提供给客户110和/或120的通用产品代码(UPC)。
[0021]在一些实施例中,可能需要客户110将预定量的钱款发送给第二客户120。在该实施例中,转移配对记录110包括转移量130。例如该实施例适用于当第一客户110希望确认其向第二客户120转移了所需的钱款量时的情况。在其它实施例中,每次转移的钱款可以改变。在一个这种实施例中,在转移配对记录100中未记录可变量。在另一个实施例中,第一和第二客户110和120之间的转移历史被记录在该转移配对记录110中。
[0022]尽管所示的转移配对记录100是用于两个客户110和120的,但在有些实施例中,其也被创建以用来在多于两个客户之间进行货币转移。例如,转移配对记录100可以包括第三客户的信息,并且可以包括从第三客户向第一客户110和/或第二客户120、或从第一客户110和/或第二客户120向第三客户货币转移的附加转移配对代码。本实施例可适用于例如第一客户是上大学的两个孩子的父母的情况。在该实施例中第一客户110期望向其在不同时间点、不同场所(例如不同学校)等的孩子(例如第二客户120和第三客户)转移不同量的钱款。在替代性实施例中,第三客户作为第二客户的代理。例如,第二(收款)客户是年长的父母,而第三客户是他们的子女。在某些特定的情况下(例如其父母生病时)或在所有情况下,子女可以被授权来代表其父母接收钱款。在该示例中,第三客户(子女)也使用具有第三客户信息的转移配对记录来注册。
[0023]在另一个实施例中,可能会出现“批量”交易。例如,当第一客户领取工资后,他可能想汇送X美元给他的母亲,Y美元给他的妹妹,Z美元给他的弟弟。则为该多方组创建交易记录,从而当每次使用记录标识符时,产生上述交易。在一些实施例中,交易记录标识上述货币转移量和收款人。在另一些实施例中,按百分比来计算待发送的钱款量。例如,第一客户可以标识待转移的钱款总量,而交易记录包含的信息表明母亲例如接收转移量的百分之五十(50%)、而每一弟妹接收转移量的百分之二十五(25%)。在其他实施例中,在转移钱款之前会扣除适当的交易费。在其他实施例中,通过电子方式(例如因特网)调整钱款量或百分比等等可以动态管理钱款量。在某些情况下,如果第一客户希望仅向其母亲转移货币,则在第一客户希望重复该转移时针对该客户和其母亲创建单独的交易配对。
[0024]在优选实施例中,转移配对记录100的创建产生了一个或多个转移配对代码140,其对与转移配对记录100相关的第一客户110和第二客户120来说是特有的。随后向客户110和120的一方或双方提供转移配对代码140。在本发明的范围内,可以通过各种方式来向客户110和120提供转移配对代码140。例如,当其创建转移配对记录100时,可以将转移配对代码140提供给第一客户110。在另一个实施例中,以与自动柜员机(ATM)卡通常使用的个人身份号码(PIN)的邮寄方式相类似的方式将转移配对代码140邮寄给客户110和120中的一方或双方。在另一个实施例中,使用例如转移配对记录100中所填写的email地址而将转移配对代码140通过电子邮件方式邮寄给客户110和120。在又一些实施例中,转移配对代码140被体现在或印刷在诸如卡片之类的表示装置上。该表示装置被发送或提供给客户110和120。在一个实施例中,表示装置是包含磁条的卡片。可以将转移配对代码140与某些实施例中的来自转移配对记录100的附加信息一起编码到磁条中。当客户110和120按如下所述转移或接收货币时,其可以使用表示装置。本领域技术人员可以理解的是,除了上述的特定实施例,转移配对代码140的形式和将转移配对代码140提供给客户110和/或120的方式在本发明的范围内是可以变化的。
[0025]一旦建立了转移配对代码100,就可以使用转移配对代码140从多个场所发起货币转移。在一些实施例中,客户110或120可以通过登录货币转移组织网站(例如西联网站)来发起货币转移。将转移配对代码140输入网站,从而使西联货币转移系统可以访问与相应的客户110和120相关的转移配对记录100。在本实施例中,网站可以提示客户提供诸如出生日期、驾照号码或密码等的进一步的信息来验证与网站交互的人确实是第一和第二客户110和120之一。还可以通过电话或与IVR系统交互等的方式来实现使用转移配对代码140的货币转移的发起。例如,第一客户110可以给与协助货币转移的组织(例如西联)相关的客户服务代表(CSR)打电话。第一客户110向CSR提供转移配对代码140、转移量(如果转移配对允许钱款量改变)以及支付方法。在某些实施例中,第一客户110还提供附加认证(例如密码或转移配对记录100中的其他信息)。在一些实施例中,可接受支付方法限于已经在转移配对记录140中标识支付的方法(例如,信用卡账户、Paypal账户等)。在一些实施例中,例如通过email、语音消息、邮寄给第一客户110的地址的纸质收据等,将交易的收据提供给第一客户110。本发明的特别优势还包括,在客户110和/或120处于零售场所时使用转移配对代码140,下面将结合随后的附图对此进行描述。
[0026]参见图2,现在将描述根据本发明的实施例发起、协助、处理和/或执行货币转移的系统200。系统200包括连接到数据库242的主计算机系统240。在一个实施例中,主机系统240包括用于创建或维持与货币转移相关的记录的服务器或其他基于计算机的装置。在一个实施例中,主计算机系统240由诸如西联或其他货币转移组织之类的第三方操作。数据库242维持货币转移记录。此外,在一个实施例中,数据库242维持某些或全部转移配对记录100。例如,主计算机系统240可以包括或连接到维护西联网站的服务器,第一客户110将数据输入该网站以创建转移配对记录100。相似地,主计算机系统240可以具有其他用户界面,通过该界面,客户服务代表输入数据并创建转移配对记录100。此外,主计算机系统240可以包括或连接到交互式语音响应系统,从而使客户110能够与系统240进行交互以创建转移配对记录100。
[0027]在一个实施例中,已经为第一客户260和第二客户280创建了转移配对记录。在该实施例中,第二客户280是由第一客户260发起的货币转移的期望收款人。为了接收钱款,第二客户280去远程终端或系统250。远程系统250可以是取款亭(kiosk)或诸如西联场所之类的场所等。在替代性实施例中,货币转移存储在第二客户280的永久或临时账户中,例如银行账户或储值账户等。在一个实施例中,远程系统250还包括带有数据库(未示出)的计算机系统,以及其他的必要的硬件和软件以帮助客户260和280之间的货币转移。在一个实施例中,远程计算机系统250连接到主计算机系统240,从而使远程计算机250能够访问数据库242中维持的数据记录。远程系统250和主计算机系统240之间的这种连接可以是直接连接或通过如图2所示的网络230连接。网络230可以包括电话网络、信用卡网络、广域网、因特网和无线网等。此外,取决于传输信息所用的处理装置类型,这种装置还可以连接到金融网络,例如信用卡网络或自动柜员机(ATM)网络,或直接连接到其他主计算机系统。
[0028]尽管所示的主计算机系统240是单独的系统,但是,主计算机系统240也可以具有多个组件并可以包括多于一个系统的集合。例如,货币转移记录可以被维持在主计算机系统240的第一部分,而转移配对记录100可以被维持在主计算机系统240的第二部分。可以将多个数据库242用于协助存储和获取转移配对记录100。
[0029]在某些实施例中,系统200的部分可以位于诸如百货商店、加油站之类的零售店。在一个实施例中,零售店具有连接到数据库222的关联的卖主系统220。卖主系统220还连接到销售点(POS)装置或终端210。在一些实施例中,POS装置210是服务点(point-of-service),例如客户接收一些服务或好处而非进行实际的购买。卖主系统220和终端210之间的连接可以是直接连接,或者可以是通过网络230的电连接。卖主系统220和销售点装置210之间的直接连接可以包括,例如,商店场所中的物理或无线地与卖主系统220连接的销售点终端210。在一些实施例中,卖主系统220包括服务器和计算机等,其可以位于商店或零售店的后室中。
[0030]卖主系统220和其相关的数据库222可以包含多种与商店相关的记录。例如,在某些实施例中,数据库222包含库存清单、卖主清单、雇员信息等。在特定实施例中,销售点装置210位于具有多种商品供客户购买的百货店中。通常来说,这种销售点设备形成了收银机系统中的一部分,使用收银机系统,商店的客户、店员或雇员将商品的UPC信息或商品信息扫描到销售点装置210中。销售点装置210从卖主系统220接收这些商品相关的价格,或者由SKU等在POS装置210中维持价格。销售点装置210随后累积由第一客户260购买的所有商品的总价格,并将其呈现给客户。第一客户260随后为这些商品付款,并离开商店场所。如果是使用信用卡或个人支票等付款,在客户带着所购商品离开商店前可能需要进行认证处理。该认证可以涉及本领域技术人员公知的标准信用卡认证或支票认证。客户260还可以通过现金、汇票或旅行者支票等等付款。
[0031]在一些实施例中,卖主系统220并不位于商店场所,而是位于地区场所。例如,百货连锁商店可以具有一个单独的地区性卖主系统220来维持商店的库存记录、其中所售商品的成本和价格记录。一个或多个商店场所中的销售点终端210连接到卖主系统220。通过这种方式,除了通过商店方式的商店管理之外,还可以在地区级别上管理库存和价格。在另一个实施例中,卖主系统220是第三方所有的系统,用于协助各种交易。在一些情况下,卖主系统220位于第三方交易处理装置中。
[0032]在一些实施例中,销售点终端210通过网络230与卖主系统220通信。2002年4月3日提交的、名为“Systems and Methods forPerforming Transactions at a Point-of-Sale(在销售点上执行交易的系统和方法)”的共同待决的美国申请No.10/116,689中描述了本发明的一些实施例的销售点装置210,其用于捕获信息、向主计算机系统220发送信息和/或从主计算机系统220接收信息,该申请已被转让给本发明的受让人,其全部内容以引用方式并入本文中。
[0033]在一些情况下,第一客户260使用上述程序在商店购买商品,但也期望发起货币转移给第二客户280。在本发明的一些实施例中,系统200用于使第一客户260能够使用销售点终端210在商店场所发起货币转移。在一个特定实施例中,客户260向销售点终端210或店员操作的销售点终端210提交一个货币转移请求。为此,第一客户260向店员或POS装置210提供与第一客户260相关的转移配对代码140以及第一客户260将货币转移给的正确的第二客户280。这可以是口头上的告知,店员由此或与由客户260将适合的转移配对代码和/或所请求的货币转移量键入销售点终端210中。在另一个实施例中,将在印有字迹的纸张上的转移配对代码140提供给店员。该印有字迹的纸张可以是在卖主场所由第一客户260获得的钱款定制请求页上的手写的转移配对、第一客户260从主机系统240接收并将其打印出来并带到商店的email等。在另一个实施例中,商店具有连接到主机系统240的柜员机、计算机等。在这种方式中,第一客户260可以在商店发起转移时获得他们的转移配对代码。或者,转移配对代码140中的一些或全部或其他客户账户信息被维持在表示装置270上,例如在通用产品代码(UPC)中。或者,可以在具有转移配对代码140以及其他可能信息的表示装置270上设置一个磁条。在UPC、磁条、写在或印在表示装置270等上的维持的信息可以包括客户名称、货币转移量130、转移配对代码140等。
[0034]转移配对代码140被输入到POS装置210中,并被发送到主计算机240。主计算机240参照转移配对记录100(包括可能存储在数据库242中的记录100)检查所接收的转移配对代码140。在一些实施例中,将客户名称或其他信息发送给主计算机240,并将其参照与所提供的转移配对代码140相对应的转移配对记录进行检查。主机系统240可以确认,例如,所提供的转移配对140对应于有效的转移配对记录100。针对通过验证的转移配对代码140,主机系统240向POS装置210返回货币转移认证结果或转移配对代码验证结果。随后,POS装置210或店员操作的POS装置210通过从客户260获得待转移的钱款而继续货币转移处理。对于转移量固定的情况,在一些实施例中,货币转移认证结果可以包括货币转移量。在这种方式中,向POS装置210告知其所获得的经认证的货币转移。在其他实施例中,货币转移认证返回最大货币转移量。在这种情况下,POS装置210被认证以接收至多最大经认证的钱款量,但不能超过该钱款量。
[0035]在某些实施例中,从客户260获得货币转移量,并从其中扣减所有的货币转移费。在其他实施例中,主机系统240指示POS装置210获得除客户260期望转移的货币转移量之外的货币转移费。在一些实施例中,货币转移费是一个变量,例如其是货币转移量的百分比。所获得的费用类似于对在POS装置210处购买的商品所征收的销售税。在其他实施例中,货币转移费是固定量(例如,每次转移收费5美元)。在替代性实施例中,还可以使用附加的货币转移费,例如滑动费用模式(例如,每转移100美元收费5美元,但收费最多不超过50美元)。在一些实施例中,发送给POS装置210的转移配对验证响应包括所获得的货币转移费。在其他实施例中,表示装置270和/或卖主系统220维持货币转移费时间表。货币转移费可以包括支付给主机系统240的操作员的费用,还可以包括支付给卖主系统220的操作员的费用。
[0036]在一个实施例中,主机系统240和相关的数据库242维持一些或全部的转移配对记录100。在该实施例中,销售点终端210经由网络230与主计算机240进行通信以协助货币转移。在一个实施例中,在主计算机240和/或远程计算机250或他们的相关数据库242中装有适当的软件,以执行货币转移处理。将进一步结合图3A和3B来描述根据本发明的一些方法的其他详细信息。
[0037]当客户260在商店为所购商品和/或为货币转移而付款时,可能需要对该付款进行进一步地认证。例如,如果客户260使用信用卡进行付款,则可能会使用销售点终端210进行标准的信用卡认证。相似地,如果客户260使用个人支票进行付款,则可能会在销售点终端210进行支票认证处理。在一些实施例中,客户260会仅为货币转移进行付款。而在另一些实施例中,客户260会在商店场所操作销售点终端210为货币转移以及其他所购商品进行付款。在这种方式中,客户250可以通过在商店购买所需的百货或其他商品并发起货币转移而达到一石二鸟的效果。
[0038]在某些实施例中,使用自动化交易所(ACH)系统和处理、西联货币转移系统或其他货币转移系统,由销售点终端210所接收的针对货币转移的付款被转发给主机系统240。在一些实施例中,主计算机240控制或帮助控制针对从与货币转移相关的客户260接收的付款的ACH处理。在该方式中,主机系统240可以控制货币转移处理,从而由销售点终端210所获得的钱款对第二客户280是可用的,所述第二客户280相关联于其与第一客户260共享的转移配对记录100。在2002年7月26日提交的、名为“Money Transfer Systems andMethods for Travelers(针对旅行者的货币转移系统和方法)”的美国申请No.10/206,661中描述了本发明的货币转移的其他详细信息,该申请被转让给本申请的受让人,其全部内容以引用方式并入本文。
[0039]参见图3A和3B,现在描述本发明的方法。具体地,图3A示出了由有助于客户进行货币转移的方法300。图3B示出了处理货币转移的方法350。如图3A所示,方法300包括接收货币转移请求(方框310)和接收转移配对代码(方框312)。在一些实施例中,同时接收到货币转移请求和转移配对代码,在又一些实施例中,接收转移配对代码包括货币转移请求。可以根据上述任意一种方法,来接收货币转移请求和转移配对代码。例如,转移配对代码可以体现在由销售点装置210或店员操作销售点装置210所接收的UPC或者表示装置270上的磁条中。方法300包括请求对转移配对加以验证(方框314)。该验证请求可以包括发送请求给主机系统240以验证转移配对的销售点装置210和/或卖主系统220。方法300包括确定是否已经验证了转移配对(决定方框316)。在一个实施例中,POS装置210从主机240接收“是”验证响应或“否”验证响应。如果该转移配对没有通过验证,则货币转移请求被终结(停止318)。如果该转移配对通过验证,则方法300包括接收货币转移的付款(方框320)。付款可以涉及,货币转移客户向POS装置210或店员操作POS装置210支付现金等。
[0040]接收付款还可以包括接收货币转移费的付款。在一些实施例中,货币转移费是从所请求的货币转移量中扣减的。在其他实施例中,客户发起的货币转移量是其期望转移给收款人的量,并且客户还支付货币转移费。因此,接收付款可能包括多个部分。付款还可以包括客户在零售场所操作POS装置210处购买各种消费商品或服务所付款部分的付款。方法300包括发送已成功发起货币转移以及已获得钱款的记录(方框322)。再一次地,销售点装置210和/或卖主系统220可以发送记录给主计算机系统240。数据库222可以存储被处理的货币转移请求的记录。方法300包括发送付款(方框324),其可以包括钱款的实际传输,通过ACH或其他系统的付款记录的传输。在一些实施例中,方法300在很大程度上是使用销售点装置210和/或卖主系统220来实现的。
[0041]图3B示出了处理货币转移请求的方法350。方法350包括接收要求转移配对验证的请求(方框360)。如上所述,该请求可以由主机系统240从销售点装置210和/或卖主系统220接收。方法350包括尝试验证转移配对(方框360)。在一些实施例中,主机系统240通过将所接收的转移配对代码140与转移配对记录100进行比较来完成该处理。在一些实施例中,主机系统240还将从POS装置210接收的客户名称与相关于所接收的转移配对代码140的转移配对记录100中包含的客户名称进行比较。如果转移配对没有通过验证(决定方框364),则将向货币转移请求人返回拒绝消息(方框366)。该拒绝消息可以被发送给销售点装置210和/或卖主系统220以传送给请求货币转移的客户。可以由于多种原因而产生拒绝消息,包括但不限于:不正确的转移配对代码、与转移配对代码140相关的不完整的转移配对记录100、或在转移配对记录100中表示应拒绝进一步的货币转移的消息或提示等。在一些实施例中,转移配对140通过验证,并且由主机系统240返回验证消息(方框368)。
[0042]方法350包括接收货币转移请求(方框370)。这可以例如包括主机系统240,其从销售点装置210和/或卖主系统220接收与转移配对验证相关的客户实际已经为货币转移付费的提示。货币转移请求的接收可以包括接收附加信息,例如继而标识发送和接收客户的转移配对代码,以及在转移配对记录支持可变的转移量的情况下的转移量。在一些实施例中,方法350还包括对转移进行认证(方框372)。转移的认证可包括主计算机240创建或维持与已经验证的转移配对相关的客户按指定量(固定值或变量)已经发起了货币转移、且在验证第二客户280的身份后把钱款支付给第二客户280的记录。如图2所示,第二客户280从远程系统250接收钱款,他们继而又连接到主机系统240。在一些实施例中,系统240仅在第一客户260支付后的一段时间之后才能够把钱款支付给第二客户280。在这种方式中,在将现金支付给第二客户280之前,可以核准或确认第一客户260为货币转移所做的非现金付款。
[0043]包括结合图1-3描述的示例在内的本发明的优势有很多。对于客户而言,客户现在可以在多个场所发起货币转移。客户可以通过从其已经计划购买商品等的场所转移货币来执行多任务。此外,客户无需重复地提供货币转移通常所需的所有信息,这是因为所有或大多数信息已经维持在转移配对记录中了。
[0044]为主机系统带来的益处也是很多的。例如,销售点装置210可以通过信用卡认证和支票认证处理来协助付款认证。货币转移主机系统将通过ACH或其他货币转移处理系统从卖主快速地接收付款。但是,在一些实施例中,货币转移支付是以现金、柜台支票或其他认可的资金支付形式实现的。通过使客户因可以在其他场所发起货币转移并付款而满意,主机系统操作员也受益。主机系统240的操作员还因为无需每次在其经常的客户希望货币转移时为该客户输入完整的数据集而受益。
[0045]为卖主操作销售点装置210同样带来了益处。首先,通过参与该处理,卖主为其客户提供了其竞争对手可能无法提供的附加服务。这可以增加客户前往商店场所的次数。例如,上述示例描述了用户前往零售店购买商品并在同时发起货币转移,但相反的情况也可以发生。例如,用户前往零售店发起货币转移,并在同时购买一些商品。除了可能进行附加购买,由于客户和/或货币转移主机支付了佣金,因此商店店主也就增加了收益。在一个实施例中,对于每次从卖主场所发起的货币转移,卖主从主机接收了少量的费用。对卖主来说的另一个益处在于,对卖主的浮动可用性。在将钱款转移到主机之前,卖主可以将其客户所支付的货币转移的钱款在其账户上保留一段时间。对于本领域技术人员来讲显而易见的是,在本发明的保护范围内,从本发明的系统的一个或多个部分中,本发明的方法的各方可以获得其他益处。
[0046]以上详细描述了本发明。但可以理解的是,除了上面的论述外,本发明也可以以其他方式实现,在所附权利要求的范围内,可以对本发明进行特定的变更与修改。因此,本发明的保护范围并不限于这些特定的示例,而是由所附的权利要求书进行界定。
Claims (20)
1、一种处理货币转移的方法,所述方法包括:
从卖主场所接收转移配对验证的请求;
验证所述转移配对与有效的转移配对记录相关联;
将转移配对验证结果发送给所述卖主场所;
从所述卖主场所接收与所述转移配对相关联的货币转移请求;
批准货币转移到与所述转移配对相关联的第一和第二客户中的至少一个。
2、如权利要求1所述的方法,还包括:
建立与所述第一客户和所述第二客户相关联的转移配对记录。
3、如权利要求2所述的方法,其中,建立所述转移配对记录包括:
验证所述第一和第二客户中至少一个的身份;
接收第一和第二客户信息并创建其数据库记录;
将转移配对代码提供给所述第一和第二客户中的至少一个。
4、如权利要求3所述的方法,其中,所述转移配对代码包括货币转移收款人标识符。
5、如权利要求3所述的方法,其中,所述转移配对代码包括一串字母数字。
6、如权利要求1所述的方法,其中,所述卖主场所包括零售店。
7、如权利要求1所述的方法,其中,发送所述转移配对验证结果还包括:
发送费用请求到所述卖主场所。
8、如权利要求1所述的方法,还包括:
接收与所述货币转移请求相对应的付款记录。
9、如权利要求1所述的方法,还包括:
将与所述货币转移请求相关联的钱款分配给所述第一或第二客户。
10、如权利要求9所述的方法,还包括:
在分配所述钱款之前,从所述第一或第二客户接收与所述转移配对相关联的转移配对代码。
11、如权利要求1所述的方法,其中,所述货币转移请求包括与所述转移配对相关联的固定量。
12、一种有利于客户进行货币转移的方法,所述方法包括:
从第一客户接收货币转移请求;
从所述第一客户接收转移配对代码;
向主计算机发送转移配对验证的请求;
从所述主计算机接收转移配对验证结果;
从所述第一客户接收转移给与所述转移配对代码相关联的第二客户的付款;
向所述主计算机发送所述货币转移请求和所述付款的记录。
13、如权利要求12所述的方法,还包括:
提供收据给所述第一客户。
14、如权利要求12所述的方法,还包括:
从所述第一客户接收消费项目的购买请求,
其中,所述付款包括与所述消费项目相关联的第一付款部分以及与所述货币转移请求相关联的第二付款部分。
15、如权利要求14所述的方法,其中,所述付款还包括与货币转移费用相关联的第三付款部分。
16、一种处理货币转移的系统,包括:
主计算机,包括耦合到数据库的处理器;
其中,所述主计算机还包括:
验证请求接收代码,用于从销售点装置接收要对转移配对进行验证的请求;
验证代码,用于验证所述转移配对与有效的转移配对记录相关联;
验证结果发送代码,用于向所述销售点装置发送转移配对验证结果;
货币转移请求接收代码,用于从所述销售点装置接收与所述转移配对相关联的货币转移请求;
批准代码,用于批准货币转移到与所述转移配对相关联的第一客户和第二客户中的至少一个。
17、如权利要求16所述的系统,其中,所述主计算机还包括:
转移配对记录建立代码,用于建立与所述第一客户和所述第二客户相关联的转移配对记录。
18、如权利要求16所述的系统,其中,所述主计算机还包括:
接收与创建代码,用于接收第一和第二客户信息并创建其数据库记录以包括转移配对代码。
19、如权利要求18所述的系统,其中,所述主计算机还包括:
提供代码,用于将所述转移配对代码提供给所述第一和第二客户中的至少一个。
20、如权利要求16所述的系统,还包括所述销售点装置。
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US11/132,725 | 2005-05-18 | ||
US11/132,725 US7392940B2 (en) | 2005-05-18 | 2005-05-18 | In-lane money transfer systems and methods |
Publications (1)
Publication Number | Publication Date |
---|---|
CN101443821A true CN101443821A (zh) | 2009-05-27 |
Family
ID=37431802
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CN 200680016765 Pending CN101443821A (zh) | 2005-05-18 | 2006-05-05 | 通道内货币转移的系统和方法 |
Country Status (7)
Country | Link |
---|---|
US (4) | US7392940B2 (zh) |
EP (1) | EP1886285A4 (zh) |
CN (1) | CN101443821A (zh) |
AU (1) | AU2006247911C1 (zh) |
BR (1) | BRPI0609881A2 (zh) |
CA (1) | CA2608926A1 (zh) |
WO (1) | WO2006124343A2 (zh) |
Families Citing this family (42)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20080215472A1 (en) * | 2000-06-27 | 2008-09-04 | Nicholas Ahthony Lindsay Brown | Variable use advanced messaging system and method |
US8672220B2 (en) * | 2005-09-30 | 2014-03-18 | The Western Union Company | Money transfer system and method |
US7392940B2 (en) * | 2005-05-18 | 2008-07-01 | The Western Union Company | In-lane money transfer systems and methods |
US8874477B2 (en) | 2005-10-04 | 2014-10-28 | Steven Mark Hoffberg | Multifactorial optimization system and method |
US20080109282A1 (en) * | 2006-09-12 | 2008-05-08 | Daniel Csoka | Systems and methods for transferring funds from a sending account |
US20090070257A1 (en) * | 2006-09-12 | 2009-03-12 | Daniel Csoka | Systems and methods for transferring funds from a sending account |
US8380175B2 (en) * | 2006-11-22 | 2013-02-19 | Bindu Rama Rao | System for providing interactive advertisements to user of mobile devices |
US11256386B2 (en) | 2006-11-22 | 2022-02-22 | Qualtrics, Llc | Media management system supporting a plurality of mobile devices |
US8478250B2 (en) | 2007-07-30 | 2013-07-02 | Bindu Rama Rao | Interactive media management server |
US10803474B2 (en) | 2006-11-22 | 2020-10-13 | Qualtrics, Llc | System for creating and distributing interactive advertisements to mobile devices |
US8700014B2 (en) | 2006-11-22 | 2014-04-15 | Bindu Rama Rao | Audio guided system for providing guidance to user of mobile device on multi-step activities |
US8059797B2 (en) * | 2006-11-30 | 2011-11-15 | Red Hat, Inc. | Method and system for establishing a new account for a user with an online service |
US20080249937A1 (en) * | 2007-04-06 | 2008-10-09 | Walls Robert K | Payment card based remittance system with delivery of anti-money laundering information to receiving financial institution |
US20090099964A1 (en) * | 2007-10-10 | 2009-04-16 | Calderon Gonzalez Efren | System and method for transferring funds to a beneficiary |
US20090171841A1 (en) * | 2007-12-28 | 2009-07-02 | Mastercard International, Inc. | Method and system for transferring funds between account holders |
US20090234764A1 (en) * | 2008-03-14 | 2009-09-17 | Mark Friesen | Systems and methods for biometric authentication of monetary fund transfer |
US20090327121A1 (en) * | 2008-06-27 | 2009-12-31 | The Western Union Company | Monetary gift registry methods and systems |
US20100057615A1 (en) * | 2008-08-27 | 2010-03-04 | John Klett | Method of transferring money |
US7860772B2 (en) * | 2008-09-30 | 2010-12-28 | Ebay, Inc. | Funding on-line accounts |
US8336762B1 (en) | 2008-11-17 | 2012-12-25 | Greenwise Bankcard LLC | Payment transaction processing |
EP2866180B1 (en) * | 2009-09-24 | 2017-11-15 | Nippon Telegraph and Telephone Corporation | Electronic settlement method, system, server, and program thereof |
US8202150B2 (en) * | 2009-10-22 | 2012-06-19 | King Show Games, Inc. | Gaming activity awarding subsequent plays using results of previous plays |
US8758110B2 (en) | 2009-10-22 | 2014-06-24 | Bradley Berman | Gaming activity awarding subsequent plays using results of previous plays |
US20110225088A1 (en) * | 2010-03-12 | 2011-09-15 | The Western Union Company | Receiver-based funds transfer |
US20110238553A1 (en) * | 2010-03-26 | 2011-09-29 | Ashwin Raj | Electronic account-to-account funds transfer |
US8880425B2 (en) * | 2010-04-07 | 2014-11-04 | The Western Union Company | Mobile agent point-of-sale (POS) |
US20110264558A1 (en) * | 2010-04-26 | 2011-10-27 | Alexandrou Alexandros P | Third party transaction payment processing |
US8548907B1 (en) | 2011-01-11 | 2013-10-01 | Derrick Harlan Campbell | System for converting paper money orders to electronic money orders |
US10417618B2 (en) | 2011-05-12 | 2019-09-17 | Moneygram International, Inc. | Methods and system for utilizing cash with online activities |
US9230251B1 (en) | 2011-07-01 | 2016-01-05 | United Services Automobile Association (Usaa) | Cash deposit at point of sale using deposit product inventory item systems and methods |
US10402795B2 (en) | 2012-01-05 | 2019-09-03 | Moneygram International, Inc. | Prefunding for money transfer send transactions |
US8738520B2 (en) * | 2012-04-23 | 2014-05-27 | Moneygram International, Inc. | Send and receive side control of money transfer parameters |
US20140156512A1 (en) * | 2012-12-04 | 2014-06-05 | Pangea Universal Holdings, Inc. | Providing money transfer using a money transfer platform |
US10755245B2 (en) | 2013-02-25 | 2020-08-25 | Moneygram International, Inc. | Money transfer system having location based language and dynamic receipt capabilities |
US20150014411A1 (en) * | 2013-07-10 | 2015-01-15 | Xerox Corporation | Transaction card for workflow execution |
US10192204B2 (en) | 2013-08-01 | 2019-01-29 | Moneygram International, Inc. | System and method for staging money transfers between users having profiles |
US9690968B2 (en) * | 2015-05-17 | 2017-06-27 | William A. Wadley | Authenticated scannable code system |
US20160350752A1 (en) * | 2015-05-26 | 2016-12-01 | Cesar Edwardo Turbides | Anti-Fraud Credit &Debit Card Computer Program |
FR3079987A1 (fr) * | 2018-04-06 | 2019-10-11 | Orange | Procede de traitement d'une transaction entre un terminal source et un terminal destinataire, systeme de services bancaires, terminal et programme d'ordinateur correspondants. |
US11941603B2 (en) | 2020-03-20 | 2024-03-26 | The Western Union Company | Multipurpose smartphone device |
US11282046B2 (en) | 2020-03-25 | 2022-03-22 | Capital One Services, Llc | System and method for processing a virtual money order |
US11798071B2 (en) * | 2020-04-15 | 2023-10-24 | Capital One Services, Llc | Computer-based systems with tools designed for real-time reconfiguring a plurality of distinct databases and methods of use thereof |
Family Cites Families (329)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US3599151A (en) | 1969-12-29 | 1971-08-10 | Ibm | Character recognition photosensing apparatus having a threshold comparator circuit |
US3783755A (en) | 1972-06-05 | 1974-01-08 | H Lagin | Apparatus for applying indicias to sheets |
US3833395A (en) | 1972-09-11 | 1974-09-03 | Burroughs Corp | Continuous form computer print-out document protection system |
US4032931A (en) | 1975-12-22 | 1977-06-28 | Haker Floyd H | Money transfer device keyboard terminal |
US4321672A (en) | 1979-11-26 | 1982-03-23 | Braun Edward L | Financial data processing system |
US4385285A (en) | 1981-04-02 | 1983-05-24 | Ncr Corporation | Check dispensing terminal |
US4454414A (en) | 1982-06-16 | 1984-06-12 | Vericard Corporation | Funds transfer system using optically coupled, portable modules |
JPS5972572A (ja) | 1982-10-19 | 1984-04-24 | Omron Tateisi Electronics Co | 信用取引決済用端末機 |
JPS5979375A (ja) | 1982-10-29 | 1984-05-08 | Omron Tateisi Electronics Co | 取引決済設備 |
JPS59153261A (ja) | 1983-02-18 | 1984-09-01 | Omron Tateisi Electronics Co | 取引処理装置 |
JPH079678B2 (ja) | 1983-03-01 | 1995-02-01 | オムロン株式会社 | 電子式キヤツシユ・レジスタ |
US5021967A (en) | 1984-04-03 | 1991-06-04 | Republic Money Orders, Inc. | Apparatus for dispensing money orders |
US4812628A (en) | 1985-05-02 | 1989-03-14 | Visa International Service Association | Transaction system with off-line risk assessment |
JPS62256283A (ja) | 1986-04-26 | 1987-11-07 | Canon Inc | 光メモリ−カ−ド |
US4823264A (en) * | 1986-05-27 | 1989-04-18 | Deming Gilbert R | Electronic funds transfer system |
US4722554A (en) | 1986-08-27 | 1988-02-02 | St. Ives Laboratories, Inc. | Alternative-value paper refund form |
US5053607A (en) | 1986-10-06 | 1991-10-01 | Carlson Steven R | Point-of-sale device particularly adapted for processing checks |
US4795892A (en) | 1987-12-09 | 1989-01-03 | Cic Systems, Inc. | Pre-paid commodity system |
US4948174A (en) | 1988-04-20 | 1990-08-14 | Remittance Technology Corporation | Financial data processing system |
US4902881A (en) | 1988-06-10 | 1990-02-20 | Faxplus Corporation | Parallel process communications terminal and network |
US4961142A (en) | 1988-06-29 | 1990-10-02 | Mastercard International, Inc. | Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer |
US4972318A (en) | 1988-09-09 | 1990-11-20 | Iron City Sash & Door Company | Order entry and inventory control method |
US5119293A (en) | 1988-09-16 | 1992-06-02 | Republic Money Orders, Inc. | System and apparatus for dispensing negotiable instruments |
US6334108B1 (en) | 1989-05-01 | 2001-12-25 | Catalina Marketing International, Inc. | Method and system for selective incentive point-of-sale marketing in response to customer shopping histories |
US5870724A (en) * | 1989-12-08 | 1999-02-09 | Online Resources & Communications Corporation | Targeting advertising in a home retail banking delivery service |
US5220501A (en) | 1989-12-08 | 1993-06-15 | Online Resources, Ltd. | Method and system for remote delivery of retail banking services |
US5623547A (en) | 1990-04-12 | 1997-04-22 | Jonhig Limited | Value transfer system |
US6539363B1 (en) * | 1990-08-30 | 2003-03-25 | Ncr Corporation | Write input credit transaction apparatus and method with paperless merchant credit card processing |
US5367452A (en) | 1990-10-05 | 1994-11-22 | Carts Of Colorado, Inc. | Mobile merchandising business management system which provides comprehensive support services for transportable business operations |
US5175682A (en) | 1990-12-14 | 1992-12-29 | Verifone, Inc. | Check system and method including prioritizing checks for transmission to banks for processing |
AU659136B2 (en) | 1991-03-12 | 1995-05-11 | Openbet Retail Limited | Apparatus and method for generating a receipt |
US5832457A (en) | 1991-05-06 | 1998-11-03 | Catalina Marketing International, Inc. | Method and apparatus for selective distribution of discount coupons based on prior customer behavior |
US5233167A (en) | 1991-06-24 | 1993-08-03 | Positek Incorporated | Multi-function terminal |
US5783808A (en) | 1996-01-11 | 1998-07-21 | J. D. Carreker And Associates, Inc. | Electronic check presentment system having transaction level reconciliation capability |
US6289322B1 (en) | 1998-03-03 | 2001-09-11 | Checkfree Corporation | Electronic bill processing |
US5510979A (en) | 1991-07-30 | 1996-04-23 | Restaurant Technology, Inc. | Data processing system and method for retail stores |
WO1993009506A1 (en) | 1991-10-30 | 1993-05-13 | Computer Based Controls, Inc. | Financial document dispensing apparatus and method |
US5453601A (en) | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
US5865470A (en) * | 1992-05-12 | 1999-02-02 | Thompson; Kenneth | Peel off coupon redemption card with microprocessor chip and tracking system |
US5334821A (en) | 1992-07-16 | 1994-08-02 | Telxon Corporation | Portable point of sale terminal |
US5491325A (en) | 1992-08-25 | 1996-02-13 | Huang; Dorge O. | Method and system for payment and payment verification |
US5283829A (en) | 1992-10-01 | 1994-02-01 | Bell Communications Research, Inc. | System and method for paying bills electronically |
US5825617A (en) | 1992-10-02 | 1998-10-20 | Teletransactions, Inc. | Workslate computer having modular device docking stations on horizontal and vertical side portions |
US5504677A (en) | 1992-10-15 | 1996-04-02 | Pollin; Robert E. | Automated payment system |
US5484988A (en) | 1992-11-13 | 1996-01-16 | Resource Technology Services, Inc. | Checkwriting point of sale system |
US5267314A (en) | 1992-11-17 | 1993-11-30 | Leon Stambler | Secure transaction system and method utilized therein |
US6167386A (en) | 1998-06-05 | 2000-12-26 | Health Hero Network, Inc. | Method for conducting an on-line bidding session with bid pooling |
US5350906A (en) | 1992-11-25 | 1994-09-27 | Brody Bill E | Currency transfer system and method using fixed limit cards |
US6415271B1 (en) | 1993-02-10 | 2002-07-02 | Gm Network Limited | Electronic cash eliminating payment risk |
JPH06243158A (ja) | 1993-02-19 | 1994-09-02 | Fujitsu Ltd | 外国送金業務処理システム |
US5426594A (en) | 1993-04-02 | 1995-06-20 | Motorola, Inc. | Electronic greeting card store and communication system |
US5513117A (en) | 1993-04-30 | 1996-04-30 | Small; Maynard E. | Apparatus and method for electronically dispensing personalized greeting cards and gifts |
US5794207A (en) | 1996-09-04 | 1998-08-11 | Walker Asset Management Limited Partnership | Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers |
US5570465A (en) | 1993-07-22 | 1996-10-29 | Tsakanikas; Peter J. | Apparatus, method and system for printing of legal currency and negotiable instruments |
USRE36365E (en) | 1993-10-25 | 1999-11-02 | Visa International Service Association | Method and apparatus for distributing currency |
US5477038A (en) | 1993-10-25 | 1995-12-19 | Visa International | Method and apparatus for distributing currency |
GB2283349A (en) | 1993-10-29 | 1995-05-03 | Ibm | Transaction processing system |
US5920847A (en) | 1993-11-01 | 1999-07-06 | Visa International Service Association | Electronic bill pay system |
US5465206B1 (en) | 1993-11-01 | 1998-04-21 | Visa Int Service Ass | Electronic bill pay system |
US5550734A (en) | 1993-12-23 | 1996-08-27 | The Pharmacy Fund, Inc. | Computerized healthcare accounts receivable purchasing collections securitization and management system |
US5774879A (en) | 1993-12-27 | 1998-06-30 | First Data Corporation | Automated financial instrument processing system |
GB9401757D0 (en) | 1994-01-31 | 1994-03-23 | Neopost Ltd | Franking machine |
WO1995021428A1 (en) | 1994-02-04 | 1995-08-10 | Card One Development Company | Method and system for allocating and redeeming incentive credits |
US5557516A (en) | 1994-02-04 | 1996-09-17 | Mastercard International | System and method for conducting cashless transactions |
US5461217A (en) | 1994-02-08 | 1995-10-24 | At&T Ipm Corp. | Secure money transfer techniques using smart cards |
US5799087A (en) | 1994-04-28 | 1998-08-25 | Citibank, N.A. | Electronic-monetary system |
US5555496A (en) | 1994-05-06 | 1996-09-10 | Mary T. Tackbary | Method and apparatus for communicating with a card distribution center for management, selection, and delivery of social expression cards |
US5649117A (en) | 1994-06-03 | 1997-07-15 | Midwest Payment Systems | System and method for paying bills and other obligations including selective payor and payee controls |
US5577109A (en) | 1994-06-06 | 1996-11-19 | Call Processing, Inc. | Pre-paid card system and method |
US6502745B1 (en) * | 1994-06-06 | 2003-01-07 | Call Processing, Inc. | Pre-paid card system and method |
EP0690399A3 (en) | 1994-06-30 | 1997-05-02 | Tandem Computers Inc | Remote controlled financial transaction system |
US5826241A (en) | 1994-09-16 | 1998-10-20 | First Virtual Holdings Incorporated | Computerized system for making payments and authenticating transactions over the internet |
WO1996010235A1 (en) | 1994-09-28 | 1996-04-04 | Brown Gordon T | Automated accounting system |
US5909673A (en) | 1994-09-29 | 1999-06-01 | Gregory; Edward M. | Method and system for creating site specific coupons at a plurality of remote locations which are controlled by a central office |
US5715314A (en) | 1994-10-24 | 1998-02-03 | Open Market, Inc. | Network sales system |
US5679938A (en) | 1994-12-02 | 1997-10-21 | Telecheck International, Inc. | Methods and systems for interactive check authorizations |
US5732400A (en) | 1995-01-04 | 1998-03-24 | Citibank N.A. | System and method for a risk-based purchase of goods |
US5915023A (en) | 1997-01-06 | 1999-06-22 | Bernstein; Robert | Automatic portable account controller for remotely arranging for transfer of value to a recipient |
US5732136A (en) | 1995-01-31 | 1998-03-24 | Realsource Communications, Inc. | Merchant specific debit card verification system |
US7133845B1 (en) | 1995-02-13 | 2006-11-07 | Intertrust Technologies Corp. | System and methods for secure transaction management and electronic rights protection |
GB9502907D0 (en) * | 1995-02-15 | 1995-04-05 | Int Computers Ltd | Electronic identification system |
US5650604A (en) | 1995-02-22 | 1997-07-22 | Electronic Data Systems Corporation | System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds |
US5717868A (en) | 1995-03-07 | 1998-02-10 | Huntington Bancshares Inc. | Electronic payment interchange concentrator |
US5787403A (en) | 1995-03-08 | 1998-07-28 | Huntington Bancshares, Inc. | Bank-centric service platform, network and system |
US5553145A (en) | 1995-03-21 | 1996-09-03 | Micali; Silvia | Simultaneous electronic transactions with visible trusted parties |
US5622388A (en) | 1995-03-23 | 1997-04-22 | Alcordo; Isabelo S. | Postcard rank check |
US5903633A (en) | 1995-03-27 | 1999-05-11 | Smarttalk Teleservices, Inc. | Method and apparatus for prepaid phone card activation and billing |
US5677955A (en) | 1995-04-07 | 1997-10-14 | Financial Services Technology Consortium | Electronic funds transfer instruments |
US5546523A (en) | 1995-04-13 | 1996-08-13 | Gatto; James G. | Electronic fund transfer system |
US5745886A (en) | 1995-06-07 | 1998-04-28 | Citibank, N.A. | Trusted agents for open distribution of electronic money |
AU6318096A (en) * | 1995-07-06 | 1997-02-05 | Hitachi Limited | Electronic money sending system |
AU6648296A (en) | 1995-07-20 | 1997-02-18 | Dallas Semiconductor Corporation | An electronic micro identification circuit that is inherently bonded to a someone or something |
US5799072A (en) | 1995-07-21 | 1998-08-25 | Callmanage | Telecommunications call management system |
US5893080A (en) | 1995-07-25 | 1999-04-06 | Bottomline Technologies, Inc. | Disbursement system and method |
US6223168B1 (en) * | 1995-07-25 | 2001-04-24 | Bottomline Technologies, Inc. | Automatic remittance delivery system |
JPH0954808A (ja) | 1995-08-18 | 1997-02-25 | Fujitsu Ltd | オンライン決済システム、電子小切手の発行システム及び検査システム |
US5859419A (en) * | 1995-09-28 | 1999-01-12 | Sol H. Wynn | Programmable multiple company credit card system |
JPH09128529A (ja) | 1995-10-30 | 1997-05-16 | Sony Corp | ディジタル画像の雑音の投影に基づく除去方法 |
US5699528A (en) | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
US5757917A (en) | 1995-11-01 | 1998-05-26 | First Virtual Holdings Incorporated | Computerized payment system for purchasing goods and services on the internet |
US5657201A (en) | 1995-11-06 | 1997-08-12 | Teletransactions, Inc. | Portable data collection terminal including arm mounting assembly |
US5673309A (en) * | 1995-11-17 | 1997-09-30 | Avery Dennison Corporation | ATM phone card system |
CA2192016C (en) | 1995-12-08 | 2003-07-22 | Masayuki Ohki | Method of handling electronic money in automatic cash handling machine |
US6129275A (en) | 1995-12-20 | 2000-10-10 | The Eastern Company | Smart card transaction system and encoder-dispenser |
JPH09179927A (ja) | 1995-12-26 | 1997-07-11 | Fujitsu Ltd | バーコード読取装置 |
US6003763A (en) | 1995-12-29 | 1999-12-21 | Visa International Service | Method and apparatus for recording magnetic information on traveler's checks |
US5777305A (en) | 1996-01-24 | 1998-07-07 | Incomm | Package assembly and method for activating prepaid debit cards |
JPH09212549A (ja) | 1996-01-31 | 1997-08-15 | Hitachi Ltd | 電子商取引方法及びシステム |
US5686713A (en) | 1996-02-22 | 1997-11-11 | Rivera; Antonio | Apparatus and method for allowing a money order purchase via an ATM |
US5870718A (en) | 1996-02-26 | 1999-02-09 | Spector; Donald | Computer-printer terminal for producing composite greeting and gift certificate card |
US20020023055A1 (en) * | 1996-03-01 | 2002-02-21 | Antognini Walter Gerard | System and method for digital bill presentment and payment |
US5832463A (en) | 1996-03-28 | 1998-11-03 | Electronic Data Systems Corporation | Automated system and method for checkless check transaction |
US6044360A (en) * | 1996-04-16 | 2000-03-28 | Picciallo; Michael J. | Third party credit card |
US5815657A (en) | 1996-04-26 | 1998-09-29 | Verifone, Inc. | System, method and article of manufacture for network electronic authorization utilizing an authorization instrument |
US5902983A (en) | 1996-04-29 | 1999-05-11 | International Game Technology | Preset amount electronic funds transfer system for gaming machines |
US5897989A (en) | 1996-07-23 | 1999-04-27 | Beecham; James E. | Method, apparatus and system for verification of infectious status of humans |
US6039245A (en) * | 1996-06-10 | 2000-03-21 | Diebold, Incorporated | Financial transaction processing system and method |
US6178409B1 (en) * | 1996-06-17 | 2001-01-23 | Verifone, Inc. | System, method and article of manufacture for multiple-entry point virtual point of sale architecture |
US5903880A (en) | 1996-07-19 | 1999-05-11 | Biffar; Peter C. | Self-contained payment system with circulating digital vouchers |
US6088683A (en) | 1996-08-21 | 2000-07-11 | Jalili; Reza | Secure purchase transaction method using telephone number |
US6438586B1 (en) | 1996-09-30 | 2002-08-20 | Emc Corporation | File transfer utility which employs an intermediate data storage system |
US6029150A (en) * | 1996-10-04 | 2000-02-22 | Certco, Llc | Payment and transactions in electronic commerce system |
US6015087A (en) * | 1996-10-04 | 2000-01-18 | First Data Corporation | Apparatus and method for leasing documents of value |
US5953710A (en) | 1996-10-09 | 1999-09-14 | Fleming; Stephen S. | Children's credit or debit card system |
US6070150A (en) * | 1996-10-18 | 2000-05-30 | Microsoft Corporation | Electronic bill presentment and payment system |
US6148377A (en) | 1996-11-22 | 2000-11-14 | Mangosoft Corporation | Shared memory computer networks |
US5779379A (en) | 1997-03-28 | 1998-07-14 | Interbold | Receipt form handling system for automated banking machine |
US5868236A (en) * | 1996-11-27 | 1999-02-09 | Darrell G. Rademacher | Pin vending dispenser |
US5923016A (en) | 1996-12-03 | 1999-07-13 | Carlson Companies, Inc. | In-store points redemption system & method |
US5913202A (en) | 1996-12-03 | 1999-06-15 | Fujitsu Limited | Financial information intermediary system |
US5937396A (en) | 1996-12-04 | 1999-08-10 | Konya; Arpad | System for ATM/ATM transfers |
US5991748A (en) | 1996-12-06 | 1999-11-23 | American Express Travel Related Services Company, Inc. | Methods and apparatus for regenerating a prepaid transaction account |
US6193155B1 (en) | 1996-12-09 | 2001-02-27 | Walker Digital, Llc | Method and apparatus for issuing and managing gift certificates |
US6199761B1 (en) * | 1996-12-09 | 2001-03-13 | Drexler Technology Corporation | Validation method for electronic cash cards and digital identity cards utilizing optical data storage |
US5878211A (en) | 1996-12-20 | 1999-03-02 | N C R Corporation | Multi-functional retail terminal and associated method |
US6164528A (en) | 1996-12-31 | 2000-12-26 | Chequemark Patent, Inc. | Check writing point of sale system |
US6104815A (en) | 1997-01-10 | 2000-08-15 | Silicon Gaming, Inc. | Method and apparatus using geographical position and universal time determination means to provide authenticated, secure, on-line communication between remote gaming locations |
US6145738A (en) | 1997-02-06 | 2000-11-14 | Mr. Payroll Corporation | Method and apparatus for automatic check cashing |
US6314169B1 (en) | 1997-02-06 | 2001-11-06 | Poweroasis, Inc. | Power and telecommunications access vending machine |
US6149056A (en) | 1997-02-06 | 2000-11-21 | Mr. Payroll Corporation | Automatic check cashing using biometric identification verification |
US5920848A (en) | 1997-02-12 | 1999-07-06 | Citibank, N.A. | Method and system for using intelligent agents for financial transactions, services, accounting, and advice |
US5963647A (en) | 1997-02-14 | 1999-10-05 | Citicorp Development Center, Inc. | Method and system for transferring funds from an account to an individual |
US6070798A (en) | 1997-02-21 | 2000-06-06 | Nethery; Kee | Purchaser generated transaction recording and negotiable instrument payment system |
US6321984B1 (en) | 1997-02-25 | 2001-11-27 | Dresser Equipment Group, Inc. | Adjustable price fuel dispensing system |
US6035406A (en) * | 1997-04-02 | 2000-03-07 | Quintet, Inc. | Plurality-factor security system |
US6282522B1 (en) | 1997-04-30 | 2001-08-28 | Visa International Service Association | Internet payment system using smart card |
US6193152B1 (en) * | 1997-05-09 | 2001-02-27 | Receiptcity.Com, Inc. | Modular signature and data-capture system and point of transaction payment and reward system |
US5828875A (en) | 1997-05-29 | 1998-10-27 | Telefonaktiebolaget Lm Ericsson | Unroll of instructions in a micro-controller |
US6012048A (en) * | 1997-05-30 | 2000-01-04 | Capital Security Systems, Inc. | Automated banking system for dispensing money orders, wire transfer and bill payment |
US5897625A (en) | 1997-05-30 | 1999-04-27 | Capital Security Systems, Inc. | Automated document cashing system |
US5903881A (en) | 1997-06-05 | 1999-05-11 | Intuit, Inc. | Personal online banking with integrated online statement and checkbook user interface |
US5949044A (en) | 1997-06-13 | 1999-09-07 | Walker Asset Management Limited Partnership | Method and apparatus for funds and credit line transfers |
US6097834A (en) | 1997-06-13 | 2000-08-01 | Paystation America Inc. | Financial transaction processing systems and methods |
US20020174016A1 (en) | 1997-06-16 | 2002-11-21 | Vincent Cuervo | Multiple accounts and purposes card method and system |
US6018724A (en) * | 1997-06-30 | 2000-01-25 | Sun Micorsystems, Inc. | Method and apparatus for authenticating on-line transaction data |
US6000608A (en) * | 1997-07-10 | 1999-12-14 | Dorf; Robert E. | Multifunction card system |
US6119933A (en) | 1997-07-17 | 2000-09-19 | Wong; Earl Chang | Method and apparatus for customer loyalty and marketing analysis |
US5974146A (en) | 1997-07-30 | 1999-10-26 | Huntington Bancshares Incorporated | Real time bank-centric universal payment system |
US5896298A (en) | 1997-08-08 | 1999-04-20 | Carreker-Antinori, Inc. | System and method for providing central notification of issued items |
US5899980A (en) | 1997-08-11 | 1999-05-04 | Trivnet Ltd. | Retail method over a wide area network |
US6311892B1 (en) | 1997-08-12 | 2001-11-06 | Bell & Howell Postal Systems, Inc. | Automatic system for verifying articles containing indicia thereon |
US6292789B1 (en) | 1997-08-26 | 2001-09-18 | Citibank, N.A. | Method and system for bill presentment and payment |
US5910988A (en) * | 1997-08-27 | 1999-06-08 | Csp Holdings, Inc. | Remote image capture with centralized processing and storage |
US6044362A (en) * | 1997-09-08 | 2000-03-28 | Neely; R. Alan | Electronic invoicing and payment system |
US6128603A (en) | 1997-09-09 | 2000-10-03 | Dent; Warren T. | Consumer-based system and method for managing and paying electronic billing statements |
US6030000A (en) * | 1997-09-12 | 2000-02-29 | Diamond Security, Inc. | Negotiable document having enhanced security for deterring fraud by use of a thermochromatic fingerprint image |
US6070156A (en) * | 1997-09-26 | 2000-05-30 | Gilbarco Inc. | Providing transaction estimates in a fueling and retail system |
US5993047A (en) | 1997-10-02 | 1999-11-30 | John C. Novogrod | Apparatus and method for requesting and dispensing negotiable instruments |
US6119931A (en) * | 1997-10-02 | 2000-09-19 | Novogrod; John C. | System and method for requesting and dispensing negotiable instruments |
US5987426A (en) | 1997-10-14 | 1999-11-16 | Ncr Corporation | Point-of-sale system including isolation layer between client and server software |
US6027216A (en) * | 1997-10-21 | 2000-02-22 | The Johns University School Of Medicine | Eye fixation monitor and tracker |
US6128602A (en) | 1997-10-27 | 2000-10-03 | Bank Of America Corporation | Open-architecture system for real-time consolidation of information from multiple financial systems |
US6106020A (en) | 1997-10-28 | 2000-08-22 | Kerning Data Systems, Inc. | Fraud prevention method and system |
US6061799A (en) | 1997-10-31 | 2000-05-09 | International Business Machines Corp. | Removable media for password based authentication in a distributed system |
US6269369B1 (en) | 1997-11-02 | 2001-07-31 | Amazon.Com Holdings, Inc. | Networked personal contact manager |
US6047268A (en) * | 1997-11-04 | 2000-04-04 | A.T.&T. Corporation | Method and apparatus for billing for transactions conducted over the internet |
US6247047B1 (en) | 1997-11-18 | 2001-06-12 | Control Commerce, Llc | Method and apparatus for facilitating computer network transactions |
US5978780A (en) | 1997-11-21 | 1999-11-02 | Craig Michael Watson | Integrated bill consolidation, payment aggregation, and settlement system |
US6275829B1 (en) | 1997-11-25 | 2001-08-14 | Microsoft Corporation | Representing a graphic image on a web page with a thumbnail-sized image |
US6119106A (en) | 1997-11-26 | 2000-09-12 | Mersky; Randy | Method and apparatus for facilitating customer payments to creditors from a remote site |
US6223166B1 (en) * | 1997-11-26 | 2001-04-24 | International Business Machines Corporation | Cryptographic encoded ticket issuing and collection system for remote purchasers |
WO1999028830A1 (en) | 1997-12-02 | 1999-06-10 | Korman Bruce R | Multi-transactional network architecture |
US5930773A (en) * | 1997-12-17 | 1999-07-27 | Avista Advantage, Inc. | Computerized resource accounting methods and systems, computerized utility management methods and systems, multi-user utility management methods and systems, and energy-consumption-based tracking methods and systems |
US6263446B1 (en) | 1997-12-23 | 2001-07-17 | Arcot Systems, Inc. | Method and apparatus for secure distribution of authentication credentials to roaming users |
US6052674A (en) * | 1997-12-23 | 2000-04-18 | Information Retrieval Consultants (Europe, Middle East, Africa ) Limited | Electronic invoicing and collection system and method with charity donations |
US6134561A (en) | 1997-12-29 | 2000-10-17 | Pitney Bowes Inc. | System for tracking the receipt and internal delivery of items such as packages |
US6098053A (en) | 1998-01-28 | 2000-08-01 | Citibank, N.A. | System and method for performing an electronic financial transaction |
US6078907A (en) | 1998-02-18 | 2000-06-20 | Lamm; David | Method and system for electronically presenting and paying bills |
US5953709A (en) | 1998-02-19 | 1999-09-14 | Labor Ready, Inc. | Automated voucher cash-out system and method |
US5999596A (en) | 1998-03-06 | 1999-12-07 | Walker Asset Management Limited | Method and system for controlling authorization of credit card transactions |
US6081790A (en) | 1998-03-20 | 2000-06-27 | Citibank, N.A. | System and method for secure presentment and payment over open networks |
JPH11268351A (ja) | 1998-03-26 | 1999-10-05 | Seiko Epson Corp | 小切手用の印刷装置、読取装置、処理システム |
EP0949596A3 (en) | 1998-03-30 | 2003-01-08 | Citibank, N.A. | Method and system to perform electronic value exchange and settlement among heterogeneous payment schemes with heterogeneous currencies |
US6064990A (en) * | 1998-03-31 | 2000-05-16 | International Business Machines Corporation | System for electronic notification of account activity |
US6173272B1 (en) | 1998-04-27 | 2001-01-09 | The Clearing House Service Company L.L.C. | Electronic funds transfer method and system and bill presentment method and system |
US6206283B1 (en) * | 1998-12-23 | 2001-03-27 | At&T Corp. | Method and apparatus for transferring money via a telephone call |
US6216227B1 (en) | 1998-06-29 | 2001-04-10 | Sun Microsystems, Inc. | Multi-venue ticketing using smart cards |
US6601038B1 (en) | 1998-07-20 | 2003-07-29 | Usa Technologies, Inc. | Delivery of goods and services resultant from an electronic commerce transaction by way of a pack and ship type company |
US6011833A (en) * | 1998-08-11 | 2000-01-04 | Florafax International, Inc | Talking bouquet |
US6343279B1 (en) * | 1998-08-26 | 2002-01-29 | American Management Systems, Inc. | System integrating credit card transactions into a financial management system |
US7051001B1 (en) | 1998-08-27 | 2006-05-23 | Citibank, N.A. | System and method for merchant function assumption of internet checking and savings account transactions |
US6453300B2 (en) | 1998-08-31 | 2002-09-17 | Cd Coupon, Llc | Personalized greeting card with electronic storage media and method of personalizing same |
US6360254B1 (en) * | 1998-09-15 | 2002-03-19 | Amazon.Com Holdings, Inc. | System and method for providing secure URL-based access to private resources |
US6175823B1 (en) * | 1998-09-15 | 2001-01-16 | Amazon.Com, Inc. | Electronic gift certificate system |
US6058417A (en) * | 1998-10-23 | 2000-05-02 | Ebay Inc. | Information presentation and management in an online trading environment |
US6999569B2 (en) * | 1998-10-28 | 2006-02-14 | Mastercard International Incorporated | System and method for using a prepaid card |
US6473500B1 (en) * | 1998-10-28 | 2002-10-29 | Mastercard International Incorporated | System and method for using a prepaid card |
US6327570B1 (en) | 1998-11-06 | 2001-12-04 | Dian Stevens | Personal business service system and method |
GB9824697D0 (en) | 1998-11-11 | 1999-01-06 | Ncr Int Inc | Terminal |
US6032136A (en) * | 1998-11-17 | 2000-02-29 | First Usa Bank, N.A. | Customer activated multi-value (CAM) card |
US6260024B1 (en) | 1998-12-02 | 2001-07-10 | Gary Shkedy | Method and apparatus for facilitating buyer-driven purchase orders on a commercial network system |
WO2000046725A1 (en) | 1999-02-05 | 2000-08-10 | Fundsxpress, Inc. | System and method for conducting online financial transactions using electronic funds transfer and public communications networks |
US6510453B1 (en) * | 1999-02-26 | 2003-01-21 | Microsoft Corporation | System and method for creating and inserting multiple data fragments into an electronic mail message |
US6216277B1 (en) * | 1999-03-12 | 2001-04-17 | Peter S. C. Cheng | Collapsible hat and method of collapsing the hat |
WO2000065566A1 (en) | 1999-04-26 | 2000-11-02 | Ronald Katz | Point of sale terminal for the visually impaired |
CA2910997A1 (en) | 1999-04-30 | 2000-11-09 | Paypal, Inc. | System and method for electronically exchanging value among distributed users |
US6609113B1 (en) | 1999-05-03 | 2003-08-19 | The Chase Manhattan Bank | Method and system for processing internet payments using the electronic funds transfer network |
US6554184B1 (en) * | 1999-05-07 | 2003-04-29 | Carl Raymond Amos | Automatic instant money transfer machine |
US6321211B1 (en) | 1999-07-06 | 2001-11-20 | Richfx, Inc. | Methods and systems for electronically accepting and exchanging an online gift |
CA2378546A1 (en) | 1999-07-09 | 2001-01-18 | Richard Elder | Method and system for managing and conducting a network auction |
US6386444B1 (en) * | 1999-07-30 | 2002-05-14 | First Usa Bank, N.A. | System and methods for card payment instrument with rebate applied to an insurance premium |
US6965868B1 (en) | 1999-08-03 | 2005-11-15 | Michael David Bednarek | System and method for promoting commerce, including sales agent assisted commerce, in a networked economy |
AU6760200A (en) * | 1999-08-04 | 2001-03-05 | Rapidmoney Corporation | System and method for rapidly and securely transferring funds electronically between two points |
US7600673B2 (en) | 1999-08-09 | 2009-10-13 | First Data Corporation | Systems and methods for performing transactions at a point-of-sale |
US6827260B2 (en) | 1999-08-09 | 2004-12-07 | First Data Corporation | Systems and methods for utilizing a point-of-sale system |
US6886742B2 (en) | 1999-08-09 | 2005-05-03 | First Data Corporation | Systems and methods for deploying a point-of sale device |
US7086584B2 (en) | 1999-08-09 | 2006-08-08 | First Data Corporation | Systems and methods for configuring a point-of-sale system |
MXPA02001382A (es) | 1999-08-09 | 2004-07-16 | First Data Corp | Terminal de punto de venta. |
EP1077436A3 (en) | 1999-08-19 | 2005-06-22 | Citicorp Development Center, Inc. | System and method for performing an on-line transaction using a single-use payment instrument |
US7386516B2 (en) * | 1999-09-10 | 2008-06-10 | Metavante Corporation | System and method for providing secure services over public and private networks using a removable portable computer-readable storage |
US6829588B1 (en) | 1999-10-08 | 2004-12-07 | First Data Corporation | Electronic payroll system & method |
US6394343B1 (en) * | 1999-10-14 | 2002-05-28 | Jon N. Berg | System for card to card transfer of monetary values |
US7104440B2 (en) * | 1999-10-26 | 2006-09-12 | First Data Corporation | Money transfer systems and methods for travelers |
US6908031B2 (en) | 1999-10-26 | 2005-06-21 | First Data Corporation | Systems and methods for price matching on funds transfers |
US6488203B1 (en) | 1999-10-26 | 2002-12-03 | First Data Corporation | Method and system for performing money transfer transactions |
US7664703B2 (en) | 1999-10-26 | 2010-02-16 | The Western Union Company | Value transfer systems and methods |
US7617157B2 (en) | 2002-01-03 | 2009-11-10 | The Western Union Company | Method for receiving electronically transferred funds using an automated teller machine |
US6994251B2 (en) * | 1999-10-26 | 2006-02-07 | First Data Corporation | Cash payment for remote transactions |
US6814282B2 (en) | 1999-10-26 | 2004-11-09 | First Data Corporation | Systems and methods of introducing and receiving information across a computer network |
US20030069856A1 (en) * | 2001-10-10 | 2003-04-10 | First Data Corporation | Method and system for performing money transfer transactions |
US6502747B1 (en) * | 1999-10-26 | 2003-01-07 | First Data Corporation | System and method for performing money transfer transaction using TCP/IP |
US6347305B1 (en) * | 1999-10-29 | 2002-02-12 | E-Duction, Inc. | Method for selecting and processing a payroll deduction plan as a payment option during electronic commerce |
AU1960101A (en) | 1999-12-29 | 2001-07-16 | Paymap, Inc. | Method and apparatus for mapping sources and uses of consumer funds |
US7849009B2 (en) * | 1999-12-29 | 2010-12-07 | The Western Union Company | Methods and apparatus for mapping sources and uses of consumer funds |
WO2002005195A1 (en) * | 2000-07-11 | 2002-01-17 | First Data Corporation | Wide area network person-to-person payment |
US7613653B2 (en) | 1999-12-30 | 2009-11-03 | First Data Corporation | Money order debit from stored value fund |
US6938013B1 (en) | 2000-01-05 | 2005-08-30 | Uniteller Financial Services, Inc. | Money-transfer techniques |
US6847947B1 (en) * | 2000-01-18 | 2005-01-25 | First Data Corporation | Method and system for reduced cost debit processing |
US20010032878A1 (en) | 2000-02-09 | 2001-10-25 | Tsiounis Yiannis S. | Method and system for making anonymous electronic payments on the world wide web |
IL150926A0 (en) | 2000-02-10 | 2003-02-12 | Jon Shore | Apparatus, systems and methods for wirelessly transacting financial transfers, electroniocally recordable authorization transfers, and other information transfers |
US7366695B1 (en) | 2000-02-29 | 2008-04-29 | First Data Corporation | Electronic purchase method and funds transfer system |
US20030126075A1 (en) | 2001-11-15 | 2003-07-03 | First Data Corporation | Online funds transfer method |
US20030126036A1 (en) | 2000-02-29 | 2003-07-03 | First Data Corporation | Online payments |
AU4365801A (en) * | 2000-03-15 | 2001-09-24 | Mastercard International Inc | Method and system for secure payments over a computer network |
US20010051876A1 (en) | 2000-04-03 | 2001-12-13 | Seigel Ronald E. | System and method for personalizing, customizing and distributing geographically distinctive products and travel information over the internet |
CA2406001A1 (en) | 2000-04-14 | 2001-10-25 | American Express Travel Related Services Company, Inc. | A system and method for using loyalty points |
US6618705B1 (en) | 2000-04-19 | 2003-09-09 | Tiejun (Ronald) Wang | Method and system for conducting business in a transnational e-commerce network |
AU2001253406A1 (en) * | 2000-05-15 | 2001-11-26 | Efunds Corporation | System for and method of effecting an electronic transaction |
US20020104026A1 (en) | 2001-01-29 | 2002-08-01 | Robert Barra | Method and apparatus for providing a service to transfer messages over a communications network |
US6736314B2 (en) * | 2000-06-09 | 2004-05-18 | Telecom Usa | Methods and systems for transferring funds |
US7599847B2 (en) * | 2000-06-09 | 2009-10-06 | Airport America | Automated internet based interactive travel planning and management system |
US20020046106A1 (en) * | 2000-06-28 | 2002-04-18 | Akira Ishibashi | Method and system for modeling business card exchanges in a point-to -point value |
US8452704B2 (en) * | 2000-07-11 | 2013-05-28 | Citicorp Credit Services, Inc. | Method and system for on-line payments |
US7398252B2 (en) | 2000-07-11 | 2008-07-08 | First Data Corporation | Automated group payment |
US20020152168A1 (en) | 2000-07-11 | 2002-10-17 | First Data Corporation | Automated transfer with stored value fund |
US7249098B2 (en) | 2000-07-11 | 2007-07-24 | First Data Corporation | Subscription-based payment |
US6526130B1 (en) * | 2000-07-19 | 2003-02-25 | Ewi Holdings, Inc. | System and method for distributing personal identification numbers over a computer network |
WO2002017196A1 (en) * | 2000-08-22 | 2002-02-28 | Citibank, N.A. | Method and system for payment over the internet |
US20030028491A1 (en) * | 2000-08-25 | 2003-02-06 | Cooper Jonathan D. | Improved money transfer system and method with added security features |
WO2002021407A1 (en) * | 2000-09-08 | 2002-03-14 | American Express Travel Related Services Company, Inc. | A system and method for loyalty program distribution and settlement |
US7680738B2 (en) * | 2000-11-22 | 2010-03-16 | American Express Travel Related Services Company, Inc. | System and method for executing cash payments via a computer network |
US7003479B2 (en) | 2000-12-15 | 2006-02-21 | First Data Corporation | Systems and methods for ordering and distributing incentive messages |
US20020076018A1 (en) | 2000-12-15 | 2002-06-20 | Banks Diane K. | Pre-purchased phone minutes service |
US6922673B2 (en) | 2000-12-15 | 2005-07-26 | Fist Data Corporation | Systems and methods for ordering and distributing incentive messages |
US7130817B2 (en) | 2000-12-15 | 2006-10-31 | First Data Corporation | Electronic gift linking |
US20020087463A1 (en) | 2000-12-28 | 2002-07-04 | First Data Corporation | Method and system for authorizing negotiable instrument encashment |
US20020087462A1 (en) | 2000-12-28 | 2002-07-04 | First Data Corporation | Method and system for electronic transfer of funds implementing an automated teller machine in conjunction with a manned kiosk |
US20020087469A1 (en) | 2000-12-28 | 2002-07-04 | Ravi Ganesan | Technique of registration for and direction of electronic payments in real-time |
US20020087337A1 (en) | 2000-12-29 | 2002-07-04 | Hensley David W. | System to ensure customer privacy in an e-business |
US7165052B2 (en) | 2001-03-31 | 2007-01-16 | First Data Corporation | Payment service method and system |
US7103577B2 (en) | 2001-03-31 | 2006-09-05 | First Data Corporation | Systems and methods for staging transactions, payments and collections |
WO2002079939A2 (en) | 2001-03-31 | 2002-10-10 | First Data Corporation | Electronic identifier payment system and methods |
US7117183B2 (en) | 2001-03-31 | 2006-10-03 | First Data Coroporation | Airline ticket payment and reservation system and methods |
US20030195811A1 (en) | 2001-06-07 | 2003-10-16 | Hayes Marc F. | Customer messaging service |
US7182252B1 (en) * | 2001-06-08 | 2007-02-27 | Telecommusa, Ltd. | Methods and systems for transferring funds |
US8412633B2 (en) | 2002-03-04 | 2013-04-02 | The Western Union Company | Money transfer evaluation systems and methods |
US7769686B2 (en) * | 2001-09-18 | 2010-08-03 | The Western Union Company | Method and system for transferring stored value |
US8244632B2 (en) | 2001-10-26 | 2012-08-14 | First Data Corporation | Automated transfer with stored value |
US8374962B2 (en) | 2001-10-26 | 2013-02-12 | First Data Corporation | Stored value payouts |
DE60237545D1 (de) | 2001-12-26 | 2010-10-14 | Hamafteach Hamistovev Ltd | Geschütztes gehäuse |
US20030120777A1 (en) | 2001-12-26 | 2003-06-26 | First Data Corporation | Forms auditing systems and methods |
US7596529B2 (en) | 2002-02-13 | 2009-09-29 | First Data Corporation | Buttons for person to person payments |
US8407143B2 (en) | 2002-03-27 | 2013-03-26 | The Western Union Company | International negotiable instrument payment |
US7487127B2 (en) | 2002-03-27 | 2009-02-03 | First Data Corporation | Merchant cash payment systems and methods |
US7014104B2 (en) | 2002-05-31 | 2006-03-21 | First Data Corporation | Gift matching method |
US20030222136A1 (en) | 2002-05-31 | 2003-12-04 | First Data Corporation | Stored value education account |
US6854651B2 (en) * | 2002-07-01 | 2005-02-15 | Wildseed Ltd. | Non-persistently displayed bar code based data input method and apparatus |
US20040007618A1 (en) * | 2002-07-10 | 2004-01-15 | Scott Oram | Prepaid credit card method |
US7319977B2 (en) * | 2002-10-08 | 2008-01-15 | First Data Corporation | Discount-instrument methods and systems |
US20040078327A1 (en) | 2002-10-16 | 2004-04-22 | First Data Corporation | Wireless communication device account payment notification systems and methods |
US20040088248A1 (en) * | 2002-11-04 | 2004-05-06 | First Data Corporation | Systems and methods for implementing a grace period in electronic transfers |
US8630946B2 (en) * | 2002-11-04 | 2014-01-14 | The Western Union Company | Systems and methods for providing individualized financial access |
US7925589B2 (en) | 2002-11-04 | 2011-04-12 | The Western Union Company | Systems and methods for authorizing account access |
US8090594B2 (en) * | 2002-11-04 | 2012-01-03 | The Western Union Company | Systems and methods for directing recurring financial transfer operations |
US8032452B2 (en) * | 2002-11-06 | 2011-10-04 | The Western Union Company | Multiple-entity transaction systems and methods |
US7571140B2 (en) | 2002-12-16 | 2009-08-04 | First Data Corporation | Payment management |
US7827101B2 (en) | 2003-01-10 | 2010-11-02 | First Data Corporation | Payment system clearing for transactions |
US7003493B2 (en) | 2003-01-22 | 2006-02-21 | First Data Corporation | Direct payment with token |
US7882021B2 (en) | 2003-01-30 | 2011-02-01 | First Data Corporation | Financial settlement systems and methods |
US20040158521A1 (en) | 2003-02-06 | 2004-08-12 | First Data Corporation | Credit enhancement systems and methods |
US7072868B2 (en) | 2003-02-20 | 2006-07-04 | First Data Corporation | Methods and systems for negotiable-instrument fraud prevention |
US7195151B2 (en) * | 2003-02-25 | 2007-03-27 | American Cash Exchange, L.L.C. | Method and system for automated value transfer |
US6761311B1 (en) | 2003-03-21 | 2004-07-13 | First Data Corporation | System and methods for disclosing transaction information to customers |
US8582764B2 (en) | 2003-03-24 | 2013-11-12 | The Western Union Company | Device and method for concealing customer information from a customer service representative |
US20040210521A1 (en) | 2003-04-02 | 2004-10-21 | First Data Corporation | Web-based payment system with consumer interface and methods |
US7523058B2 (en) | 2003-04-07 | 2009-04-21 | Integrated Payment Systems Inc. | Systems and methods for processing negotiable instruments |
US20040205023A1 (en) | 2003-04-08 | 2004-10-14 | First Data Corporation | Money transfer convenience card, systems and methods |
US20040210506A1 (en) | 2003-04-21 | 2004-10-21 | First Data Corporation | Systems and methods for directing elective account balances |
US20040254833A1 (en) | 2003-06-12 | 2004-12-16 | First Data Corporation | Presentation instrument production systems and methods |
US7309000B2 (en) * | 2003-07-02 | 2007-12-18 | United States Postal Service | System and method for tracking shipment of items utilizing RFID-tags |
US7324641B2 (en) | 2003-09-29 | 2008-01-29 | First Data Corporation | Activating telephone-based services using a POS device |
US20050107152A1 (en) | 2003-11-14 | 2005-05-19 | First Data Corporation | Stored value lottery card and methods |
US7933907B2 (en) | 2004-02-19 | 2011-04-26 | The Western Union Company | Methods and systems for providing personalized frequently asked questions |
US7711638B2 (en) | 2004-03-17 | 2010-05-04 | The Western Union Company | System and method for transferring money |
US8239319B2 (en) | 2004-03-22 | 2012-08-07 | The Western Union Company | Equipment to facilitate money transfers into bank accounts |
GB0413608D0 (en) | 2004-06-17 | 2004-07-21 | Consalvi Steven | Security aid |
US7566002B2 (en) | 2005-01-06 | 2009-07-28 | Early Warning Services, Llc | Identity verification systems and methods |
US7392940B2 (en) | 2005-05-18 | 2008-07-01 | The Western Union Company | In-lane money transfer systems and methods |
US8925823B2 (en) * | 2005-09-22 | 2015-01-06 | E2Interactive, Inc. | Activation number generation and association |
-
2005
- 2005-05-18 US US11/132,725 patent/US7392940B2/en active Active
-
2006
- 2006-05-05 BR BRPI0609881-9A patent/BRPI0609881A2/pt not_active IP Right Cessation
- 2006-05-05 AU AU2006247911A patent/AU2006247911C1/en not_active Ceased
- 2006-05-05 EP EP06752350A patent/EP1886285A4/en not_active Withdrawn
- 2006-05-05 CA CA002608926A patent/CA2608926A1/en not_active Abandoned
- 2006-05-05 WO PCT/US2006/017528 patent/WO2006124343A2/en active Application Filing
- 2006-05-05 CN CN 200680016765 patent/CN101443821A/zh active Pending
-
2008
- 2008-05-22 US US12/125,757 patent/US7753267B2/en active Active
-
2010
- 2010-06-02 US US12/792,382 patent/US8464935B2/en active Active
-
2013
- 2013-05-17 US US13/897,160 patent/US8851371B2/en active Active
Also Published As
Publication number | Publication date |
---|---|
US20100332335A1 (en) | 2010-12-30 |
AU2006247911B2 (en) | 2010-04-22 |
US7753267B2 (en) | 2010-07-13 |
BRPI0609881A2 (pt) | 2010-05-04 |
US20060261151A1 (en) | 2006-11-23 |
AU2006247911C1 (en) | 2010-10-28 |
AU2006247911A1 (en) | 2006-11-23 |
WO2006124343A2 (en) | 2006-11-23 |
US20080222013A1 (en) | 2008-09-11 |
US7392940B2 (en) | 2008-07-01 |
CA2608926A1 (en) | 2006-11-23 |
EP1886285A4 (en) | 2010-09-08 |
US8851371B2 (en) | 2014-10-07 |
US8464935B2 (en) | 2013-06-18 |
EP1886285A2 (en) | 2008-02-13 |
WO2006124343A3 (en) | 2008-12-24 |
US20130325642A1 (en) | 2013-12-05 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
CN101443821A (zh) | 通道内货币转移的系统和方法 | |
US7641109B2 (en) | Money transfer cards, systems and methods | |
US7571140B2 (en) | Payment management | |
US7827101B2 (en) | Payment system clearing for transactions | |
US20060085335A1 (en) | Point of sale systems and methods for consumer bill payment | |
US20070175984A1 (en) | Open-loop gift card system and method | |
US20090094124A1 (en) | Real-time point-of-sale change-of-address processing | |
US20050080697A1 (en) | System, method and apparatus for providing financial services | |
JP4705954B2 (ja) | リアルタイム販売時点(pos)アドレス変更処理 | |
TW200937323A (en) | System and method for data completion including push identifier | |
US20040153410A1 (en) | Anonymous payment system and method | |
Turban et al. | Electronic commerce payment systems | |
CA2485881A1 (en) | Cashless transaction system | |
US20050103836A1 (en) | Payment system | |
WO2006097665A1 (en) | Payment system | |
KR20040064018A (ko) | 무선단말장치를 이용한 개인수표 발행방법 | |
MX2007014371A (en) | In-lane money transfer systems and methods |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
C06 | Publication | ||
PB01 | Publication | ||
C10 | Entry into substantive examination | ||
SE01 | Entry into force of request for substantive examination | ||
C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
WD01 | Invention patent application deemed withdrawn after publication |
Open date: 20090527 |