公开(公告)号：US07937292B2

公开(公告)日：2011-05-03

申请号：US12241408

申请日：2008-09-30

Applicant: Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matthew F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

Inventor： Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matthew F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

IPC: G06Q30/00

CPC classification number: G06Q20/10 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q30/0613 ,  G06Q30/0641 ,  G06Q40/00 ,  G06Q40/04

Abstract: According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).

公开(公告)号：US07606734B2

公开(公告)日：2009-10-20

申请号：US10332724

申请日：2001-07-11

Applicant: Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matthew F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

Inventor： Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matthew F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

IPC: G06Q30/00

CPC classification number: G06Q20/10 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q30/0613 ,  G06Q30/0641 ,  G06Q40/00 ,  G06Q40/04

Abstract: According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).

Abstract translation: 根据本发明，公开了使用计算机网络转帐的方法。 在一个步骤中，在服务器计算机系统（170）上的存储值帐户中为第一用户（110）收到的信用信息被保存。 在服务器计算机系统（170）处，接收来自第一用户（110）的基于所存储的账户向第二用户（130）汇款的请求。 从服务器计算机（170）向第二用户（130）发送电子通知，以通知第二用户（130）请求。 创建第一用户（110）的存储帐户中的借方。 在从第二用户（130）在服务器计算机（170）接收到请求时，所请求的钱被发送到第二用户（130）。

公开(公告)号：US20090024529A1

公开(公告)日：2009-01-22

申请号：US12241453

申请日：2008-09-30

Applicant: Aamer Ali BAIG ,  James E. COWELL ,  Peter M. KARAS ,  Cheryl L. NEOFYTIDES ,  Matthew F. GOLUB ,  James R. YODER ,  Susan M. MILBERGER ,  Jeff D. SHERRARD ,  Amy M. DUNKER ,  Jackie M. MACFARLANE ,  Eric L. PLATTE ,  Susan F. ABRAHAMS

Inventor： Aamer Ali BAIG ,  James E. COWELL ,  Peter M. KARAS ,  Cheryl L. NEOFYTIDES ,  Matthew F. GOLUB ,  James R. YODER ,  Susan M. MILBERGER ,  Jeff D. SHERRARD ,  Amy M. DUNKER ,  Jackie M. MACFARLANE ,  Eric L. PLATTE ,  Susan F. ABRAHAMS

IPC: G06Q20/00

CPC classification number: G06Q20/10 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q30/0613 ,  G06Q30/0641 ,  G06Q40/00 ,  G06Q40/04

Abstract: According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).

公开(公告)号：US08024229B2

公开(公告)日：2011-09-20

申请号：US12241364

申请日：2008-09-30

Applicant: Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matthew F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

Inventor： Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matthew F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

IPC: G06Q30/00

CPC classification number: G06Q20/10 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q30/0613 ,  G06Q30/0641 ,  G06Q40/00 ,  G06Q40/04

Abstract: According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).

公开(公告)号：US20090094149A1

公开(公告)日：2009-04-09

申请号：US12241423

申请日：2008-09-30

Applicant: Aamer A. Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matt F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

Inventor： Aamer A. Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matt F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

IPC: G06Q40/00

CPC classification number: G06Q20/10 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q30/0613 ,  G06Q30/0641 ,  G06Q40/00 ,  G06Q40/04

Abstract: According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).

公开(公告)号：US20090089210A1

公开(公告)日：2009-04-02

申请号：US12241384

申请日：2008-09-30

Applicant: Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matt F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

Inventor： Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matt F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

IPC: G06Q20/00

CPC classification number: G06Q20/10 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q30/0613 ,  G06Q30/0641 ,  G06Q40/00 ,  G06Q40/04

Abstract: According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).

公开(公告)号：US20090048974A1

公开(公告)日：2009-02-19

申请号：US12241476

申请日：2008-09-30

Applicant: Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matt F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

Inventor： Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matt F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

IPC: G06Q20/00 ,  G06Q40/00

CPC classification number: G06Q20/10 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q30/0613 ,  G06Q30/0641 ,  G06Q40/00 ,  G06Q40/04

Abstract: According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).

公开(公告)号：US07941346B2

公开(公告)日：2011-05-10

申请号：US12241384

申请日：2008-09-30

Applicant: Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matthew F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

Inventor： Aamer Ali Baig ,  James E. Cowell ,  Peter M. Karas ,  Cheryl L. Neofytides ,  Matthew F. Golub ,  James R. Yoder ,  Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams

IPC: G06Q30/00

CPC classification number: G06Q20/10 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/06 ,  G06Q20/102 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q30/0613 ,  G06Q30/0641 ,  G06Q40/00 ,  G06Q40/04

Abstract: According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).

Abstract translation: 根据本发明，公开了使用计算机网络转帐的方法。 在一个步骤中，在服务器计算机系统（170）上的存储值帐户中为第一用户（110）收到的信用信息被保存。 在服务器计算机系统（170）处，接收来自第一用户（110）的基于所存储的账户向第二用户（130）汇款的请求。 从服务器计算机（170）向第二用户（130）发送电子通知，以通知第二用户（130）请求。 创建第一用户（110）的存储帐户中的借方。 在从第二用户（130）在服务器计算机（170）接收到请求时，所请求的钱被发送到第二用户（130）。

公开(公告)号：US07908179B2

公开(公告)日：2011-03-15

申请号：US11832085

申请日：2007-08-01

Applicant: Peter M. Karas ,  James E. Cowell ,  James R. Yoder ,  Matt F. Golub ,  Aamer Ali Baig

Inventor： Peter M. Karas ,  James E. Cowell ,  James R. Yoder ,  Matt F. Golub ,  Aamer Ali Baig

IPC: G06Q30/00

CPC classification number: G07F17/26 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q30/02 ,  G06Q30/0226 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q30/0609 ,  G06Q30/0633 ,  G06Q30/0641

Abstract: According to the invention, a method for creating an electronic greeting card enclosing an electronic gift is disclosed. In one step, the electronic greeting card selection is received from a sender along with a selection of at least one of a type of electronic gift, an amount for the electronic gift, and an identifier for a receiver of the electronic gift. Payment for the electronic gift is received from a money handler chosen by the sender. A code indicative of the electronic gift is received, whereby the code facilitates redemption of the electronic gift. The code is embedded in the electronic greeting card.

Abstract translation: 根据本发明，公开了一种用于创建封闭电子礼物的电子贺卡的方法。 在一个步骤中，从发送者接收电子贺卡选择以及选择电子礼品的类型，电子礼物的数量和电子礼物的接收者的标识符中的至少一个。 从发件人选择的货币处理方式收到电子礼品的付款。 收到指示电子礼物的代码，其代码便于兑现电子礼物。 该代码嵌入电子贺卡。

公开(公告)号：US20100145858A1

公开(公告)日：2010-06-10

申请号：US12611031

申请日：2009-11-02

Applicant: Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams ,  Cheryl L. Neofytides ,  Aamer Ali Baig ,  Peter M. Karas ,  James E. Cowell ,  James R. Yoder ,  Matt F. Golub

Inventor： Susan M. Milberger ,  Jeff D. Sherrard ,  Amy M. Dunker ,  Jackie M. Macfarlane ,  Eric L. Platte ,  Susan F. Abrahams ,  Cheryl L. Neofytides ,  Aamer Ali Baig ,  Peter M. Karas ,  James E. Cowell ,  James R. Yoder ,  Matt F. Golub

IPC: G06Q20/00 ,  G06Q40/00

CPC classification number: G06Q30/06 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/40

Abstract: According to the invention, a method for transferring a credit amount out of an online system using a money order is disclosed. In one step, pay-out instructions are received at a server computer system from a wide-area computer network coupled to a payor. The pay-out instructions include at least two of a payee, a delivery location, and the credit amount. A first handler associated with the payor and a second handler for preparation of the money order according to the pay-out instructions are determined. The credit amount is transferred from the first handler to the online system. The pay-out instructions are sent to the second handler.

Abstract translation: 根据本发明，公开了一种使用汇票从在线系统中转出信用额度的方法。 在一个步骤中，在服务器计算机系统处从耦合到支付者的广域计算机网络接收发放指令。 付款指示包括收款人，交货地点和信用额度中的至少两个。 确定与支付者相关联的第一处理程序和根据发放指令来准备汇票的第二处理程序。 信用额从第一个处理程序转移到在线系统。 发放指令被发送到第二个处理程序。