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1.发明授权Computerized system for facilitating transactions between parties on the internet using e-mail 失效计算机化系统，用于促进互联网上各方之间使用电子邮件进行交易公开(公告)号：US06246996B1
公开(公告)日：2001-06-12
申请号：US09074354
申请日：1998-05-07
Applicant: Lee H. Stein , Einar A. Stefferud , Nathaniel S. Borenstein , Marshall T. Rose
Inventor： Lee H. Stein , Einar A. Stefferud , Nathaniel S. Borenstein , Marshall T. Rose
IPC: G06F1760
CPC classification number: G09B5/00 , G06Q10/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/35785 , G06Q20/40 , G06Q30/00 , G06Q30/018 , G06Q30/0601 , G06Q30/0613 , G06Q30/0617 , G06Q30/0633 , G07F17/0014 , G07F17/16
Abstract: A payment system for enabling a first Internet user to make a payment to a second Internet user, typically for the purchase of an information product deliverable over the Internet. The payment system provides cardholder accounts for the first and second Internet users. When the second user sends the information product to the first user over the Internet, the second user also makes a request over the Internet to a front end portion of the payment system requesting payment from the first user. The front end portion of the payment system queries the first user over the Internet whether to proceed with payment to the second user. If the first user replies affirmatively, a charge to the first user is processed off the Internet; however if the first user replies negatively, the first user is not charged for the information product. The payment system informs the second user regarding whether the first user's decision and pays the second user upon collection of the charge from the first user. Security is maintained by isolating financial and credit information of users' cardholder accounts from the front end portion of the payment system and by isolating the account identifying information from the associated e-mail address.
Abstract translation: 一种用于使第一互联网用户能够向第二互联网用户付款的支付系统，通常用于购买通过因特网可交付的信息产品。 支付系统为第一和第二互联网用户提供持卡人帐户。 当第二用户通过因特网向第一用户发送信息产品时，第二用户还通过因特网向支付系统的前端部分请求从第一用户请求支付。 支付系统的前端部分通过因特网向第一用户询问是否继续向第二用户付款。 如果第一用户肯定回复，则向互联网处理对第一用户的费用; 然而，如果第一个用户反馈回复，则不会为该信息产品收取第一个用户的费用。 支付系统通知第二用户关于第一用户的决定并且在从第一用户收取费用时支付第二用户。 通过从支付系统的前端隔离用户持卡人账户的金融和信用信息，并通过将帐户识别信息与相关联的电子邮件地址隔离来维护安全。
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2.发明授权Computerized system for making payments and authenticating transactions over the internet 失效通过互联网进行付款和认证交易的计算机化系统
公开(公告)号：US5826241A
公开(公告)日：1998-10-20
申请号：US308101
申请日：1994-09-16
Applicant: Lee H. Stein , Einar A. Stefferud , Nathaniel S. Borenstein , Marshall T. Rose
Inventor： Lee H. Stein , Einar A. Stefferud , Nathaniel S. Borenstein , Marshall T. Rose
CPC classification number: G09B5/00 , G06Q10/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/35785 , G06Q20/40 , G06Q30/00 , G06Q30/018 , G06Q30/0601 , G06Q30/0613 , G06Q30/0617 , G06Q30/0633 , G07F17/0014 , G07F17/16
Abstract: A payment system for enabling a first Internet user to make a payment to a second Internet user, typically for the purchase of an information product deliverable over the Internet. The payment system provides cardholder accounts for the first and second Internet users. When the second user sends the information product to the first user over the Internet, the second user also makes a request over the Internet to a front end portion of the payment system requesting payment from the first user. The front end portion of the payment system queries the first user over the Internet whether to proceed with payment to the second user. If the first user replies affirmatively, a charge to the first user is processed off the Internet; however if the first user replies negatively, the first user is not charged for the information product. The payment system informs the second user regarding whether the first user's decision and pays the second user upon collection of the charge from the first user. Security is maintained by isolating financial and credit information of users' cardholder accounts from the front end portion of the payment system and by isolating the account identifying information from the associated e-mail address.
Abstract translation: 一种用于使第一互联网用户能够向第二互联网用户付款的支付系统，通常用于购买通过因特网可交付的信息产品。 支付系统为第一和第二互联网用户提供持卡人帐户。 当第二用户通过因特网向第一用户发送信息产品时，第二用户还通过因特网向支付系统的前端部分请求从第一用户请求支付。 支付系统的前端部分通过因特网向第一用户询问是否继续向第二用户付款。 如果第一用户肯定回复，则向互联网处理对第一用户的费用; 然而，如果第一个用户反馈回复，则不会为该信息产品收取第一个用户的费用。 支付系统通知第二用户关于第一用户的决定并且在从第一用户收取费用时支付第二用户。 通过从支付系统的前端隔离用户持卡人账户的金融和信用信息，并通过将帐户识别信息与相关联的电子邮件地址隔离来维护安全。
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3.发明申请COMPUTERIZED SYSTEM FOR FACILITATING TRANSACTIONS BETWEEN PARTIES ON THE INTERNET USING E-MAIL 审中-公开使用电子邮件促进互联网上各方交易的计算机系统公开(公告)号：US20110137751A1
公开(公告)日：2011-06-09
申请号：US12758711
申请日：2010-04-12
Applicant: Lee H. Stein , Einar A. Stefferud , Nathaniel S. Borenstein , Marshall T. Rose
Inventor： Lee H. Stein , Einar A. Stefferud , Nathaniel S. Borenstein , Marshall T. Rose
CPC classification number: G09B5/00 , G06Q10/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/35785 , G06Q20/40 , G06Q30/00 , G06Q30/018 , G06Q30/0601 , G06Q30/0613 , G06Q30/0617 , G06Q30/0633 , G07F17/0014 , G07F17/16
Abstract: A payment system and method are disclosed for processing financial exchanges over a network between a merchant and a buyer. For example, receiving from a merchant, over the network, information associated with a financial transaction and non-financial data relating to a buyer involved in the financial transaction. Authorizing payment, associated with the financial transaction, to the merchant on behalf of the buyer using the non-financial data related to the buyer. A notification of the authorized payment on behalf of the buyer is sent to the merchant over the network. Upon notification from the merchant that the buyer has committed to completing the financial transaction, processing payment to the merchant on behalf of the buyer.
Abstract translation: 公开了一种用于通过商家和买方之间的网络处理金融交易的支付系统和方法。 例如，通过网络从商家接收与金融交易相关的信息以及与涉及金融交易的买方有关的非财务数据。 使用与买方有关的非财务数据代表买方向商家授权与金融交易相关的付款。 代表买方的授权付款通知通过网络发送给商家。 当商家通知买方已经承诺完成金融交易时，代表买方向商家处理付款。
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