초록 ▼

A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks,

A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.

대표청구항 ▼

A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks,

A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability. A is optionally substituted alkylene, alkenylene, alkynylene, cycloalkylene, alkylenoxy, oxy(C1-6)alkylene, alkylenthio, thio(C1-6)alkylene, C1-6alkylenamino, amino(C1-6)alkylene, [C1-6alkyleneoxy(C1-6)alkylene], [C1-6alkylenethio(C1-6)alkylene], [1-6alkylenesulfinyl(C1-6)alkylene], [C1-6alkylenesulfonyl(C1-6)alkylene] or [C1-6alkyleneamino(C1-6)alkylene]; provided that A is not CH2or CH2O; B is N,N-oxide or CR8; Y is O, S or NR9; Z is O, S or NR10; and R1,R2,R3,R4,R5,R6,R7,R8,R9,R10are specified radicals; compositions containing them; process for making them; and their use as insecticides or fungicides. d represented by the following general formula (4): wherein R7and R8separately represent a hydrogen atom, an alkyl group, or an aryl group; and L represents a hydrogen atom or a substituent group capable of dissociating when the coupler is coupled with the diazonium salt. 8. A heat-sensitive recording material according to claim 6, wherein the coupler is a compound represented by the following general formula (4): wherein R7and R8separately represent a hydrogen atom, an alkyl group, or an aryl group; and L represents a hydrogen atom or a substituent group capable of dissociating when the coupler is coupled with the diazonium salt. 9. A heat-sensitive recording material according to claim 3, wherein the heat-sensitive recording layer includes an organic base. 10. A heat-sensitive recording material according to claim 4, wherein the heat-sensitive recording layer includes an organic base. 11. A heat-sensitive recording material according to claim 5, wherein the heat-sensitive recording layer includes an organic base. 12. A heat-sensitive recording material according to claim 6, wherein the heat-sensitive recording layer includes an organic base. 13. A heat-sensitive recording material according to claim 3, wherein the diazonium salt is encapsulated in microcapsules. 14. A heat-sensitive recording material according to claim 4, wherein the diazonium salt is encapsulated in microcapsules. 15. A heat-sensitive recording material according to claim 5, wherein the diazonium salt is encapsulated in microcapsules. 16. A heat-sensitive recording material according to claim 6, wherein the diazonium salt is encapsulated in microcapsules. 17. A heat-sensitive recording material according to claim 13, wherein the microcapsules include a wall containing urethane and/or urea. 18. A heat-sensitive recording material according to claim 14, wherein the microcapsules include a wall containing urethane and/or urea. 19. A heat-sensitive recording material according to claim 15, wherein the microcapsules include a wall containing urethane and/or urea. 20. A heat-sensitive recording material according to claim 16, wherein the microcapsules include a wall containing urethane and/or urea. ositions.