公开(公告)号：US08768840B2

公开(公告)日：2014-07-01

申请号：US13507387

申请日：2012-06-25

申请人： William O. Bozeman

发明人： William O. Bozeman

IPC分类号： G06Q40/00 ,  G06Q20/04

CPC分类号： G06Q20/023 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/382 ,  G06Q20/389 ,  G06Q20/4016 ,  G06Q40/12

摘要： A Universal Positive Pay Database (UPPD) method, system and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records associated with financial transactions corresponding to customers of the UPPD database. A particular financial transaction is initiated between a payer and a payee by providing parameters associated with the financial transaction to the UPPD database. An issue File is provided to the UPPD database that includes parameters associated with the particular financial transaction. A correspondence determination is made between the financial transaction parameters from the Issue File and the financial transaction parameters provided to the UPPD database at every point along the financial transaction clearing process. The customer, payer, payee, payee bank, drawee bank, and banking institutions intermediate the payee bank and the drawee bank are able to access the correspondence determination at every point along the financial transaction clearing process.

摘要翻译： 普遍正面支付数据库（UPPD）方法，系统和/或计算机可用介质，以减少金融交易欺诈。 UPPD数据库被配置为在其上存储与对应于UPPD数据库的客户的金融交易相关联的交易记录。 通过向UPPD数据库提供与金融交易相关的参数，在付款人和收款人之间启动特定的金融交易。 向UPPD数据库提供了一个问题文件，其中包括与特定金融交易相关联的参数。 在金融交易清算过程的每个点，确定发行文件的金融交易参数和提供给UPPD数据库的金融交易参数之间的对应关系。 在收款银行和受票银行中间的客户，付款人，收款人，收款人银行，受票银行和银行机构都可以在金融交易清算过程的每一个点访问通信决定。

公开(公告)号：US20170185972A1

公开(公告)日：2017-06-29

申请号：US14981608

申请日：2015-12-28

申请人： William O. Bozeman

发明人： William O. Bozeman

IPC分类号： G06Q20/02 ,  G06Q40/00

CPC分类号： G06Q20/023 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/382 ,  G06Q20/389 ,  G06Q20/4016 ,  G06Q40/12

摘要： A Universal Positive Pay Database (UPPD) method, system, and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records associated with financial transactions corresponding to customers of the UPPD database. A particular financial transaction is initiated between a payer and a payee by providing parameters associated with the financial transaction to the UPPD database. An Issue File is provided to the UPPD database that includes parameters associated with the particular financial transaction. A correspondence determination is made between the financial transaction parameters from the Issue File and the financial transaction parameters provided to the UPPD database at every point along the financial transaction clearing process. The customer, payer, payee, payee bank, drawee bank, and banking institutions intermediate the payee bank and the drawee bank are able to access the correspondence determination at every point along the financial transaction clearing process.

公开(公告)号：US20150332272A1

公开(公告)日：2015-11-19

申请号：US14280556

申请日：2014-05-16

申请人： William O. Bozeman

发明人： William O. Bozeman

IPC分类号： G06Q20/40

CPC分类号： G06Q20/023 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/382 ,  G06Q20/389 ,  G06Q20/4016 ,  G06Q40/12

摘要： A Universal Positive Pay Database (UPPD) method, system, and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records associated with financial transactions corresponding to customers of the UPPD database. A particular financial transaction is initiated between a payer and a payee by providing parameters associated with the financial transaction to the UPPD database. An Issue File is provided to the UPPD database that includes parameters associated with the particular financial transaction. A correspondence determination is made between the financial transaction parameters from the Issue File and the financial transaction parameters provided to the UPPD database at every point along the financial transaction clearing process. The customer, payer, payee, payee bank, drawee bank, and banking institutions intermediate the payee bank and the drawee bank are able to access the correspondence determination at every point along the financial transaction clearing process.

摘要翻译： 通用正数支付数据库（UPPD）方法，系统和/或计算机可用介质，以减少金融交易欺诈。 UPPD数据库被配置为在其上存储与对应于UPPD数据库的客户的金融交易相关联的交易记录。 通过向UPPD数据库提供与金融交易相关的参数，在付款人和收款人之间启动特定的金融交易。 向UPPD数据库提供问题文件，其中包括与特定金融交易相关的参数。 在金融交易清算过程的每个点，确定发行文件的金融交易参数和提供给UPPD数据库的金融交易参数之间的对应关系。 在收款银行和受票银行中间的客户，付款人，收款人，收款人银行，受票银行和银行机构都可以在金融交易清算过程的每一个点访问通信决定。

公开(公告)号：US06754640B2

公开(公告)日：2004-06-22

申请号：US09983065

申请日：2001-10-23

申请人： William O. Bozeman

发明人： William O. Bozeman

IPC分类号： G06F1760

CPC分类号： G06Q20/023 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/382 ,  G06Q20/389 ,  G06Q20/4016 ,  G06Q40/12

摘要： An universal positive pay match, authentication, authorization, clearing and settlement system to reduce check and card fraud. The system includes several technologies for inputting check register information connectively from various users of the system, a database for storing the check register information and the check histories, software that searches for and captures escheated check register information, software that automatically polls check register information from the customer, the customer's bank or merchant and conducting and transmitting a partial or full reconciliation of the check register information from the system to the customer. Also included in the system is the ability of the customer's bank to provide either a stalled debit or debit stall to the customer.

摘要翻译： 普遍积极的薪酬匹配，认证，授权，结算和结算系统，以减少支票和卡片欺诈。 该系统包括从系统的各种用户连接输入检查寄存器信息的几种技术，用于存储检查寄存器信息和检查历史的数据库，搜索和捕获检查寄存器信息的软件，自动轮询检查寄存器信息的软件 客户，客户的银行或商家，并将系统的支票注册信息和客户的部分或完全对帐信息进行和发送。 系统中还包括客户银行向客户提供停滞的借记或借方摊位的能力。

公开(公告)号：US20130117183A1

公开(公告)日：2013-05-09

申请号：US13507387

申请日：2012-06-25

申请人： William O. Bozeman

发明人： William O. Bozeman

IPC分类号： G06Q20/40

CPC分类号： G06Q20/023 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/382 ,  G06Q20/389 ,  G06Q20/4016 ,  G06Q40/12

摘要： A Universal Positive Pay Database (UPPD) method, system and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records associated with financial transactions corresponding to customers of the UPPD database. A particular financial transaction is initiated between a payer and a payee by providing parameters associated with the financial transaction to the UPPD database. An issue Vile is provided to the UPPD database that includes parameters associated with the particular financial transaction. A correspondence determination is made between the financial transaction parameters from the Issue File and the financial transaction parameters provided to the UPPD database at every point along the financial transaction clearing process. The customer, payer, payee, payee bank, drawee bank, and banking institutions intermediate the payee bank and the drawee bank are able to access the correspondence determination at every point along the financial transaction clearing process.

摘要翻译： 普遍正面支付数据库（UPPD）方法，系统和/或计算机可用介质，以减少金融交易欺诈。 UPPD数据库被配置为在其上存储与对应于UPPD数据库的客户的金融交易相关联的交易记录。 通过向UPPD数据库提供与金融交易相关的参数，在付款人和收款人之间启动特定的金融交易。 向UPPD数据库提供了包含与特定金融交易相关的参数的问题Vile。 在金融交易清算过程的每个点，确定发行文件的金融交易参数和提供给UPPD数据库的金融交易参数之间的对应关系。 在收款银行和受票银行中间的客户，付款人，收款人，收款人银行，受票银行和银行机构都可以在金融交易清算过程的每一个点访问通信决定。

公开(公告)号：US20110087598A1

公开(公告)日：2011-04-14

申请号：US12893837

申请日：2010-09-29

申请人： William O. Bozeman

发明人： William O. Bozeman

IPC分类号： G06Q40/00 ,  G06Q20/00

CPC分类号： G06Q20/023 ,  G06Q20/04 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/382 ,  G06Q20/389 ,  G06Q20/4016 ,  G06Q40/12

摘要： A Universal Positive Pay Database (UPPD) method, system, and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records associated with financial transactions corresponding to customers of the UPPD database. A particular financial transaction is initiated between a payer and a payee by providing parameters associated with the financial transaction to the UPPD database. An Issue File is provided to the UPPD database that includes parameters associated with the particular financial transaction. A correspondence determination is made between the financial transaction parameters from the Issue File and the financial transaction parameters provided to the UPPD database at every point along the financial transaction clearing process. The customer, payer, payee, payee bank, drawee bank, and banking institutions intermediate the payee bank and the drawee bank are able to access the correspondence determination at every point along the financial transaction clearing process.

摘要翻译： 通用正数支付数据库（UPPD）方法，系统和/或计算机可用介质，以减少金融交易欺诈。 UPPD数据库被配置为在其上存储与对应于UPPD数据库的客户的金融交易相关联的交易记录。 通过向UPPD数据库提供与金融交易相关的参数，在付款人和收款人之间启动特定的金融交易。 向UPPD数据库提供问题文件，其中包括与特定金融交易相关的参数。 在金融交易清算过程的每个点，确定发行文件的金融交易参数和提供给UPPD数据库的金融交易参数之间的对应关系。 在收款银行和受票银行中间的客户，付款人，收款人，收款人银行，受票银行和银行机构都可以在金融交易清算过程的每一个点访问通信决定。