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Electronic commerce settlement system 원문보기

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-017/00
출원번호 US-0017405 (1998-02-03)
우선권정보 JP-0023776 (1997-02-06)
발명자 / 주소
  • Mori Nobuyuki,JPX
  • Morita Michihiro,JPX
  • Oki Masanao,JPX
  • Hirota Takaaki,JPX
출원인 / 주소
  • The Sakura Bank, Limited, JPX
대리인 / 주소
    Staas & Halsey, LLP
인용정보 피인용 횟수 : 290  인용 특허 : 6

초록

In an electronic commerce, a processing unit in a financial institution freezes an account balance at a request from a purchaser, generates provisional settlement money, that is, money information, and transmits the money to a purchaser--s processing unit. The purchaser's processing unit transmits a

대표청구항

[ What is claimed is:] [1.] A provisional settlement system comprising:means for transferring money information, which is settled according to a notification of confirmation that an object item for which payment is to be made has been executed, containing provisional settlement information to a paye

이 특허에 인용된 특허 (6)

  1. Gustin Robin Haley ; Livingston Troy W. ; Park Namsoo, Automated banking system for making change on a card or user account.
  2. Abecassis Max (19020 NE. 20 Ave. Miami FL 33179), Deposit authorization system.
  3. Nakano Misuzu,JPX ; Itoh Shigeyuki,JPX ; Kanehira Akira,JPX ; Matsumoto Kenji,JPX, Electronic wallet system.
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  5. Matsumoto Kenji,JPX ; Itoh Shigeyuki,JPX ; Takami Yutaka,JPX ; Inoue Masayuki,JPX, IC card automated transaction terminal and IC card used therein.
  6. Abecassis Max (19020 N.E. 20th Ave. Miami FL 33179), Transaction protection system.

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  176. Lam, Duc; Shanbhogue, Ramnath; Kan, Immanuel; Moore, Robert; McRae, Xuan (Sunny), System and method for payer (buyer) defined electronic invoice exchange.
  177. Skingle, Bruce James, System and method for portal infrastructure tracking.
  178. Skingle,Bruce James, System and method for portal infrastructure tracking.
  179. Everhart, Glenn C., System and method for preventing identity theft or misuse by restricting access.
  180. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for processing applicant input information.
  181. Pletz, Tracy; Rochford, Joseph, System and method for processing qualified healthcare account related financial transactions.
  182. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  183. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  184. Field, Manning R.; Reinhard, Walter Brent; Keld, Marcia, System and method for processing transactions using a multi-account transactions device.
  185. Hicks, Mack; Seiler, Regina; Tallent, Guy; Kupres, Kristin; Freudenstein, Allen, System and method for providing certification-related and other services.
  186. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  187. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  188. Rosko,Robert; Ampani,Kumar, System and method for providing customers with seamless entry to a remote server.
  189. Bowers, Theodore J; Ilijasic, Dean; Sanders, Shelley F., System and method for providing discriminated content to network users.
  190. Bowers,Theodore J.; Ilijasic,Dean; Sanders,Shelley F., System and method for providing discriminated content to network users.
  191. Gendler,Joseph, System and method for providing funding approval associated with a project based on a document collection.
  192. Sanders, Shelley F.; Bowers, Theodore; Ilijasic, Dean, System and method for providing incentives to consumers to share information.
  193. McKenney, Mary Keenan; Walch, Markus; Baker, III, Walter; Storch, Oliver; Landsmann, Peter Josef Eduard; Jetter, William John; Wong, Margaret Miu-Ling; Cameron, William Isaac, System and method for providing payment services in electronic commerce.
  194. Evans, Steven E.; Pierce, Suzanne Dallmeyer, System and method for providing supplemental payment or transaction information.
  195. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  196. Bouey, Kevin; Muthu, Sri Saravana; Pearce, Brian M.; Vancini, Adam, System and method for securely registering a recipient to a computer-implemented funds transfer payment network.
  197. Little, Herbert A.; Brown, Michael K.; Hammell, Jonathan F.; Brown, Michael S.; Kirkup, Michael G.; Adams, Neil P., System and method for securing data.
  198. Little, Herbert A.; Brown, Michael K.; Hammell, Jonathan F.; Brown, Michael S.; Kirkup, Michael G.; Adams, Neil P., System and method for securing data for redirecting and transporting over a wireless network.
  199. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  200. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  201. Lehman, Dean K.; McCullough, Joseph R.; Orth, Nancy A., System and method for sending money via E-mail over the internet.
  202. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  203. Skingle,Bruce James, System and method for single session sign-on with cryptography.
  204. Ellmore, Kimberly, System and method for single sign on process for websites with multiple applications and services.
  205. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  206. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  207. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  208. Ellmore,Kimberly, System and method for single sign on process for websites with multiples applications and services.
  209. Colcord, Brian, System and method for testing applications.
  210. Rosedale,Matthew P.; Master,Warren; Campfield,Thomas; Phinney,John, System and method for trade settlement tracking and relative ranking.
  211. Bouey, Kevin; Muthu, Sri Saravana; Pearce, Brian M.; Vancini, Adam, System and method for transferring funds.
  212. Bouey, Kevin; Muthu, Sri Saravana; Pearce, Brian M.; Vancini, Adam, System and method for transferring funds.
  213. Miller, Lawrence R.; Tallent, Jr., Guy S.; Ahmed, Khaja E., System and method for transparently providing certificate validation and other services within an electronic transaction.
  214. Risafi, Nicole N.; Hunter, Burnett D.; McKenzie, Kevin; Wiggins, Janice; Stangle, Brian; Forte, Vincent, System and method for using a prepaid card.
  215. Risafi,Nicole N.; Hunter,Burnett D.; McKenzie,Kevin; Wiggins,Janice; Stangle,Brian, System and method for using a prepaid card.
  216. Risafi,Nicole N.; Hunter,Burnett D.; McKenzie,Kevin; Wiggins,Janice; Stangle,Brian; Forte,Vincent, System and method for using a prepaid card.
  217. Walker, Jay S.; Suarez, Jose A.; Case, T. Scott; Kobayashi, Michiko; Golden, Andrew P., System and method for utilizing redemption information.
  218. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  219. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  220. Walker, Jay S.; Jorasch, James A.; Van Luchene, Andrew S., System and process for local acquisition of products priced online.
  221. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  222. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  223. Walker, Jay S.; Suarez, Jose A.; Case, T. Scott; Kobayashi, Michiko; Golden, Andrew P., System for utilizing redemption information.
  224. Walker, Jay S.; Suarez, Jose A.; Case, T. Scott; Kobayashi, Michiko; Golden, Andrew P., System for utilizing redemption information.
  225. Walker, Jay S.; Tedesco, Daniel E., System for vending physical and information items.
  226. Walker, Jay S.; Tedesco, Daniel E., System for vending physical and information items.
  227. Medina, III, Reynaldo, Systems and methods for adaptive binarization of an image.
  228. Prasad, Bharat; Liang, Minya; Medina, III, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  229. Prasad, Bharat; Liang, Minya; Medina, III, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  230. Prasad, Bharat; Liang, Minya; Medina, III, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  231. Prasad, Bharat; Liang, Minya; Medina, Reynaldo, Systems and methods for alignment of check during mobile deposit.
  232. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  233. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  234. Hildebrand, Marc W, Systems and methods for automatic bill pay enrollment.
  235. Gilbert, Andrew C.; Stergiopoulos, Andrew; Tselepis, William P., Systems and methods for controlling traders from manipulating electronic trading markets.
  236. Walls, Carol Ann; Gavia, Gabriel Glenn, Systems and methods for displaying negotiable instruments derived from various sources.
  237. Oakes, III, Charles Lee; Morris, Michael Frank; Prasad, Bharat; Medina, III, Reynaldo, Systems and methods for financial deposits by electronic message.
  238. Bueche, Jr., Michael Patrick; Prasad, Bharat; Liang, Minya; Medina, Reynaldo; Oakes, III, Charles Lee, Systems and methods for image and criterion monitoring during mobile deposit.
  239. Bueche, Jr., Michael Patrick; Prasad, Bharat; Liang, Minya; Medina, Reynaldo; Oakes, III, Charles Lee, Systems and methods for image monitoring of check during mobile deposit.
  240. Bueche, Jr., Michael Patrick; Prasad, Bharat; Liang, Minya; Medina, Reynaldo; Oakes, III, Charles Lee, Systems and methods for image monitoring of check during mobile deposit.
  241. Bueche, Jr., Michael Patrick; Prasad, Bharat; Liang, Minya; Medina, Reynaldo; Oakes, III, Charles Lee, Systems and methods for image monitoring of check during mobile deposit.
  242. Jarvie, Jay C.; Vayner, Leonid; Payne, Clive Anthony, Systems and methods for managing digital certificates.
  243. Jarvie, Jay C.; Vayner, Leonid; Payne, Clive Anthony, Systems and methods for managing digital certificates.
  244. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  245. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  246. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  247. Pollack, Jeff; Morris, Michael Frank; Prasad, Bharat; Major, Frank Kyle; Brady, John Weatherman; Mawyer, Jr., Ralph Paige; Reynolds, Clint James; Shah, Kairav Mahesh, Systems and methods for obtaining an image of a check to be deposited.
  248. Pollack, Jeff; Morris, Michael Frank; Prasad, Bharat; Major, Frank Kyle; Brady, John Weatherman; Mawyer, Jr., Ralph Paige; Reynolds, Clint James; Shah, Kairav Mahesh, Systems and methods for obtaining an image of a check to be deposited.
  249. Moran, Patrick James; Vance, Nancy Joann; Herron, Michele Suzanne; Rafferty, Thomas Edward, Systems and methods for performing funds freeze and/or funds seizure with respect to prepaid payment cards.
  250. Noviello, Joseph; Steger, Lon; Claus, Matt; Lutnick, Howard W; Sweeting, Michael; Foley, Kevin M, Systems and methods for protecting against erroneous price entries in the electronic trading of financial and other instruments.
  251. Harpel, Greg Alan; Nuggehalli, R. Bharat Prasad; Morris, Michael Frank, Systems and methods for real-time validation of check image quality.
  252. Harpel, Greg Alan; Nuggehalli, R. Bharat Prasad; Morris, Michael Frank, Systems and methods for real-time validation of check image quality.
  253. Medina, III, Reynaldo; Prater, Matthew Wayne, Systems and methods for receiving and orienting an image of one or more checks.
  254. Oakes, III, Charles Lee; Morlen, Randy Ray; Morris, Michael Frank; Medina, III, Reynaldo; Harpel, Greg Alan; Gavia, Gabriel Glenn; Nuggehalli, R. Bharat Prasad; Major, Frank Kyle; Pollack, Jeffrey Neal, Systems and methods for remote deposit of checks.
  255. Oakes, III, Charles Lee; Morlen, Randy Ray; Nuggehalli, R. Bharat Prasad; Harpel, Greg Alan; Morris, Michael Frank, Systems and methods for remote deposit of checks.
  256. Oakes, III, Charles Lee; Morlen, Randy Ray; Nuggehalli, R. Bharat Prasad; Harpel, Greg Alan; Morris, Michael Frank, Systems and methods for remote deposit of checks.
  257. Oakes, III, Charles Lee; Morlen, Randy Ray; Nuggehalli, R. Bharat Prasad; Huth, Troy, Systems and methods for remote deposit of checks.
  258. Oakes, III, Charles Lee; Morlen, Randy Ray; Nuggehalli, R. Bharat Prasad; Huth, Troy Bartlette, Systems and methods for remote deposit of checks.
  259. Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Huth, Troy Bartlette, Systems and methods for remote deposit of checks.
  260. Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Huth, Troy Bartlette, Systems and methods for remote deposit of checks.
  261. Medina, Reynaldo, Systems and methods for remote deposit of negotiable instrument using brightness correction.
  262. Walls, Carol Ann; Gavia, Gabriel Glenn, Systems and methods for remote deposit of negotiable instruments with non-payee institutions.
  263. Fraser, Stuart A.; Gilbert, Andrew C.; Ginsberg, Philip M.; Kirwin, Glenn D.; Lutnick, Howard W.; Williams, Michael E., Systems and methods for trading.
  264. Fraser, Stuart A.; Gilbert, Andrew C.; Ginsberg, Philip M.; Kirwin, Glenn D.; Lutnick, Howard W.; Williams, Michael E., Systems and methods for trading.
  265. Fraser, Stuart A; Gilbert, Andrew C; Ginsberg, Philip M; Kirwin, Glenn D; Lutnick, Howard W; Williams, Michael E, Systems and methods for trading.
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  267. Medina, III, Reynaldo, Systems and methods of check detection.
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  270. Smith, Arthur Quentin; Hopkins, III, John Chandler; Medina, III, Reynaldo; Billman, Bradly Jay, Systems and methods to modify a negotiable instrument.
  271. Smith, Arthur Quentin; Hopkins, III, John Chandler; Medina, III, Reynaldo; Billman, Bradly Jay, Systems and methods to modify a negotiable instrument.
  272. Burks, Rickey Dale; Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Morris, Michael Frank; Hua, Xia, Systems and methods to use a digital camera to remotely deposit a negotiable instrument.
  273. Burks, Rickey Dale; Oakes, III, Charles Lee; Morlen, Randy Ray; Prasad, Bharat; Morris, Michael Frank; Hua, Xia, Systems and methods to use a digital camera to remotely deposit a negotiable instrument.
  274. Walker, Jay S.; Lin, Wen Yan; Jorasch, James A.; Mik, Magdalena; Bemer, Keith; Palmer, Timothy A.; Rutledge, Joseph R.; Dor?, Marisa S., Systems and methods using a representation of a stored benefit to facilitate a transaction.
  275. Walker,Jay S.; Jorasch,James A.; Van Luchene,Andrew S., Systems and methods wherein a buyer purchases a product at a first price and physically acquires the product at a location associated with a merchant that offers the product for sale at a second pric.
  276. Walker, Jay S.; Fincham, Magdalena M.; Packes, Jr., John M.; Sammon, Russell P.; Kobayashi, Michiko, Systems and methods wherein a buyer purchases products in a plurality of product categories.
  277. Walker,Jay S.; Tedesco,Daniel E.; Kobayashi,Michiko; Golden,Andrew P.; Allison,Scott B.; Gelman,Geoffrey M.; Palmer,Timothy A.; Jorasch,James A.; Delamater,Elizabeth, Systems and methods wherein a security deposit facilitates a transaction in which a benefit is applied in exchange for performance of a task.
  278. Walker,Jay S.; Mik,Magdalena; Packes, Jr.,John M.; Sammon,Russell Pratt; Kobayashi,Michiko, Systems and methods wherin a buyer purchases products in a plurality of product categories.
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  280. Prasad, Bharat; Medina, III, Reynaldo, Systems, methods, and apparatus for receiving images of one or more checks.
  281. Chen, Hu-Mu, Tolerant key verification method.
  282. Loy, John J., Trade receivable processing method and apparatus.
  283. Loy, John J., Trade receivable processing method and apparatus.
  284. Loy, John J., Trade receivable processing method and apparatus.
  285. Loy,John J., Trade receivable processing method and apparatus.
  286. Dulin, Charles; Solo, David; Hicks, Mack; Nepomuceno, Larry; Stirland, Mark, Transaction coordinator for digital certificate validation and other services.
  287. Nagano,Aki, Transaction managing apparatus and method and recording medium storing transaction managing program therein.
  288. Brown, Nicholas Anthony Lindsay, Transaction system and method.
  289. Walker,Jay S.; Tedesco,Daniel E.; Van Luchene,Andrew S.; Bemer,Keith, Vending machine system and method for encouraging the purchase of profitable items.
  290. Hankins, Matthew; Mann, III, William; Dickelman, Mark, Waterfall prioritized payment processing.
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