CN101573725A

CN101573725A - A system for substantially immediate payment for search related tasks

Info

Publication number: CN101573725A
Application number: CNA2007800354038A
Authority: CN
Inventors: 斯科特·A·琼斯
Original assignee: ChaCha Search Inc
Current assignee: ChaCha Search Inc
Priority date: 2007-07-24
Filing date: 2007-10-24
Publication date: 2009-11-04
Also published as: EP2171663A4; EP2171663A2; KR20100040795A; JP2010534372A

Abstract

The embodiments discussed herein provide a search system where a searcher can perform searches and earn income in the form of cash or non-cash compensation based on completed searches or other search related tasks and an associated payment system, such as a bank, where the searcher can be substantially immediately paid the earned income. As the searcher completes searches, income is posted to an account of the searcher in the search system. Upon request by the searcher, using a graphical user interface where a payment amount can be specified, the earned income corresponding to the payment amount is substantially immediately transferred from a search system account in the payment system to a searcher's account in the payment system via an account credit request sent by the search system to the payment system. The searcher's account in the search system is debited for the amount of the payment. At the payment system, the searcher can use earned income for purchases, such as by making purchase with a debit card or withdrawing cash with the debit card at an ATM.

Description

The system that is used for the task that immediate payment for search is relevant in fact

The cross reference of related application

The application relates to and require the benefit of priority of following application: on July 24th, 2007 was " A System For Substantially Immediate Payment ForSearch Related Tasks " by the exercise question that ScottA.Jones submits to, has sequence number 11/782,275 U. S. application, this application requires on July 24th, 2006 to submit to, the invention people is Scott A.Jones, exercise question is " the U.S. Provisional Application sequence number 60/820 of " A System ForImmediate Payment For Piecework "; 179 interests, the content of all these applications here is merged in by reference.

Background

1. field

Embodiment discussed here is at allowing the staff to carry out search or other based on network task and the reception system to the immediate payment of this task.

2. description of related art

Staff in the information processing industry usually carries out computer based task or little task.Such task can comprise according to the identification of user inquiring, photo (according to

MechanicalTurk) or classification, speech-to-text are transcribed, Text To Speech conversion is carried out the search to information, the instant answer to request about account's information, for example answer the problem about its Account Status of credit card holder, or carry out bank's backstage international trade transaction.The task of these types can be described as the electronics task of reckoning by the piece, and the staff can be paid on the basis of piecework, that is, paid according to being done of task.Such staff is usually generally regularly for example being paid by the check or the electronics deposit that enter its check account on the basis of per fortnight.

Among these staff some may be wished when finishing every task or when the staff asks to pay by immediate payment.For example, carry out reckon by the piece task and the young man of appointment of going out of a lot of electronics and may want to go to the cinema, and recognize that he or she does not have cash to pay the expense of film, and their check account remaining sum very little.The young man may wish by the remuneration of immediate payment piecework, and obtains the income of his or she accumulation immediately, so that he or she can go to the cinema.

Such staff may wish to obtain the purchase that enough money is finished expectation, and can work, bring in the amount of money of expectation up to them, for example people recognize that they want to go to the cinema that evening, but recognize that he or she does not have enough money, so do piece work that day and earn money.In some cases, when reaching certain conditions, landmark the finishing in the task for example, maybe when the fund of accumulation satisfies specific threshold value, the staff may wish by cash payment, so that reduce tranaction costs as the part of income, and/or more effectively managed fund is (for example, pay at the date of maturity, so that avoid overdue fine, but on fund, produce maximum interests, or when task is finished, immediately transfer of financial resources is arrived one or more accounts, so that maximization cash utilization).

The staff who does not carry out other type of such piecework task also may wish immediately its work of finishing to be paid.

Needed is to realize the system that immediately behavior paid.

General introduction

The one side of embodiment discussed here provides a kind of system, and when finishing the work and/or satisfy other condition, described system allows for performed this staff of task immediate payment of staff.

Embodiment discussed here provide a kind of system on the other hand, when finishing Search Results, described system is the account credit side that Search Results is charged to staff or searchers.

Embodiment discussed here provide a kind of system on the other hand, described system allow the staff use electronic cards for example debit card extract bring in but unpaid income.

Embodiment discussed here provides a kind of search system and a kind of payment system, the searchers can carry out search and earn an income according to the search finished in described search system, in described payment system the searchers can be in fact by income that immediate payment brought in.When searchers (or staff) finished search (or task), income was transferred items (post) to the searchers account in search system.When the searchers asked, the income that is brought in can be from transfer accounts searchers's payment system account of search system account, and wherein the searchers can make to spend money and buy, and for example uses electronic cards to buy.Can make request clearly or according to a set condition of setting up in advance.

These aspect and advantages together with other subsequently will be obviously, and they are present in the detailed description as the structure of hereinafter more abundant description and prescription and operation, and with reference to the accompanying drawing that forms this paper part, wherein identical numeral is represented identical part all the time.

Brief description of drawings

Fig. 1 describes the system according to embodiment discussed here.

Fig. 2 describes the account transfer process.

Fig. 3 illustrates the request to the account transfer process.

Fig. 4 describes a kind of database.

Fig. 5-7 presentation graphic user interface.

Fig. 8 describes a kind of process.

Fig. 9 presentation graphic user interface.

Detailed description of the preferred embodiment

In general search based on guide (guide), the people 110 (Fig. 1) who searches information uses user machine system 112 (or the equipment of PDA type maybe can send the miscellaneous equipment of inquiry) for example the internet inquiry to be sent to search system 114 by communication network 116, for example submit on January 23rd, 2006, the invention people be that the exercise question of Scott A.Jones is the U. S. application sequence number 11/336 of " A Scalable SearchSystem Using Human Searchers ", describe in 928, it is disclosed in here and is merged in by reference.Search system 114 will be inquired about or search mission is distributed to guide or searchers 118, and inquiry is sent to searchers's computer system 120.Utilize search engine for example by execution

Search and/or to other resource for example the information worked out of searchers 118 and/or service be for example

(for medical information) or

The search of (for movable information), searchers 118 uses searchers's computer system 120 to obtain about information inquiring.When search was performed, can provide to information seeker 110 from Advertisement Server 122 may advertisement associated with the query or out of Memory.When search was finished, the searchers can send to Search Results user (or Infoseeker ^TM) computing machine 112 (Fig. 1).Search system 114 can be search, advertisement or out of Memory be presented to the information seeker, by the information seeker use and/or buy and paid.

When search was finished, search system 114 can be used the finish credit side that amount of credit side (or payment) charged to searchers search system account (see figure 4) in search database 124 (Fig. 1) of certain method of payment/scheme for search/task.For example, for each search of finishing can Mei Xiaoshi $5.00 expense (rate) charge to searchers account's credit side.Alternatively, the expense that the searchers can each search $0.10 or paid by certain other remuneration formula.When the material of searchers's establishment was visited by the information seeker, he or she can receive the payment of royalty (royalty) type.The searchers also can be the work of training searchers and/or examination and/or evaluation searchers and/or their generation and is paid.Also can be the work that funded staff finishes and bring in deposit to the entity of the search system registration of recruiting the newcomer.Generally, with fortnight for example in the periodic time interval, search system 114 can be sent the check of paying salary of batch processing acquiescently to searchers 118, as the well-known technology that is used for staff online or that work offline is paid.For example train the searchers, examine Search Results, recruit searchers or other activity for search activities or for the relevant activity of other search, staff and/or entity can produce income.When work finished period, staff and/or entity can be work and are paid.

Searchers 118 can ask immediate payment in fact from the searchers account the search system 114, rather than waits for the check of paying salary.So-called immediate payment in fact is meant than the check or the remittance of paying salary pays (or availability of fund and/or goods and/or service) faster, general about less than 15 minutes, usually less than 15 seconds, and preferably less than 1 second, or " when requiring to pay ".In order to carry out the immediate payment request, searchers 118 can send to search system 114 from computer system 120 with the request to such payment.Search system 114 is charged to the amount of money (with any service fee of system 114 and 126) of immediate payment request in response to the immediate payment request debit of searchers account in the search database 124, and transfer request sent to payment system 126, San Jose for example

Or by the First InternetBank of Indianapolis, Indiana for example of bank.Transfer request makes payment system 126 that the search system account 128a of payment from payment system database 128 transferred into searchers account 128b (Fig. 1) in the payment system database 128.If this account transfer is finished, then searchers 118 can obtain this amount of money by a plurality of different access system of following discussion.Be important to note that the immediate payment request can be produced by tangible behavior, for example button in the graphic user interface (GUI) or the oral request by portable phone, or can produce for example overdraw condition in disbursement account, finishing of the ignorant staff's work of searchers's possibility or reaching of any condition of setting up in advance by implicit behavior.Equally, payment can realize a plurality of payment system accounts, depend on condition.

In the time of Payment Request, the searchers in the search system 114/entity account can comprise aforesaid single payment, maybe can comprise the accumulation payment from a lot of search or behavior.The Payment Request that the searchers carried out can comprise a money whole among the searchers account or a part wherein, as will here discussing after a while.Before Payment Request, the searchers must use payment system 126 to set up the account (though when request, can set up session creation account with the searchers, or specify existing account), and the preferred wire transfer card that also obtains to be used for payment system, for example debit card or credit card will be as will here discussing after a while.Searchers or entity also may need the relevant information about searchers account 128b in the payment system 126 to be comprised or be stored in the configuration information or brief introduction (profile) of searchers in the search system 114.

The searchers also can be provided with configuration preference in search system 114, to carry out the request to payment under the situation about occurring in the conditioned disjunction incident automatically.That is to say that the searchers does not need to carry out the clearly request to payment, it can be automatic.This can be by reaching and the value of being finished the work, calendar time, the quantity (for example Sou Suo quantity) of being finished the work etc. and/or the relevant threshold value of its any combination, and every task, per hour, finish to every day.The condition that searchers or system manager limit can trigger immediate payment.Immediate payment can be pointed to any searchers's payment system account as searchers's appointment.Incident also can make payment that searchers's disbursement account of appointment is carried out, as described further below.

Use is issued to debit card/credit card of searchers 118 by payment system 126, and the searchers can obtain cashes from ATM (Automatic Teller Machine) (ATM) 130 by banking network 132, and searchers's account is credited to the debit in the payment system database 128 on network 132.Card and/or other payment devices also can be used in the general purchase-transaction, and for example in the clothes shop or cinema, wherein card can be read or scan by card reader 134 (Fig. 1), and serve as debit card or the credit card of the searchers account in the visit payment system database 128.Searchers 118 also can use a computer system 120 or computer system 136 with wireless mode or other mode access network services 138, for example

Wherein can use the data relevant to buy with searchers account in the payment system 126.Computer system 120,136 also can by the searchers make be used for will expectation the amount of money (for example, the cash gift (gift amount), from the share of the income of task, with relevant commission or the copyright of working) other account in any payment system of being correlated with to payment system 126 or with searchers account by E-Payment/Transfer Balance By Wire.In the electronic equipment country that for example phone, wireless device or other device can be used for realizing paying of other type, the searchers can use searchers's equipment 140 (for example PDA(Personal Digital Assistant), portable phone or miscellaneous equipment) to carry out the payment to goods or service, for example buys soft drink from vending machine.To in each of these visits of payment system 126, traditional banking network operation appears in the following situation: for example ATM 130 can confirm that the account of debit card has enough funds to be used for cash withdrawal, make the cash outlay of being asked and any other tranaction costs of expenditure are charged to the debit of the account in the payment system 126, and give the holder with payment funding by ATM 130.That is to say that traditional technology can be handled the request of debit card/credit card trade or other request of the account expenditure of fund from payment system 126.

Searchers 118 can pass through public switched telephone network 142 and telephony server 144 under the situation of portable phone, or under the situation of wireless device by wireless server 146, or directly on network 116, (phone, PDA etc.) send to search system 114 with immediate payment request slave unit 140, rather than the request carried out immediate payment of the system 120 that uses a computer.This allows immediate payment system user or searchers 118 in the present example to obtain the fund among the searchers account in the search system 114 at once.Miscellaneous equipment for example has laptop computer, flat computer or the phone (using for example voice xML menu) of wireless capability also to can be used for the request of paying.Such request may relate to from the transaction fee of one or more service suppliers, communication providers and/or bank (or multiple expense).

Shown in the dotted line of Fig. 1, search system 114 can directly be communicated by letter with payment system 126 rather than by the secure link on the communication network 116, and/or the direct access search database 124 of payment system 126.

As shown in Figure 2, search system 114 (Fig. 1) is used to handle and can waits for from the request source Payment Request that receives of computer system 120 (Fig. 1) or searchers's equipment 140 for example 210 the process 205 of the request of payment.Request can be discerned searchers, searchers account etc., can comprise password etc., and identification is in fact by the amount of money of immediate payment.If do not receive request, then process 205 continues to wait for Payment Request to be received 210.Searchers account in the amount of money contrast search database 124 (Fig. 1) that 212 (Fig. 2) request is verified and asks is examined.If the amount of money in the amount of money great-than search database 124 of request among the searchers account then can send to the searchers 118 who locates at computer system 120 or searchers's equipment 140 (for example) by search system 114 (Fig. 1) in the not enough fund message of 214 (Fig. 2).Process 205 then continues to wait for Payment Request to be received 210.If there are enough funds to utilize, then the amount of money of request is debted the searchers account of 216 (Fig. 2) search system 114 from search database 124 (Fig. 1).Then in 218 (Fig. 2) search system 114 by sending transfer request to payment system 126, with transfer accounts searchers account 128b in the payment system database 128 of the systematic account 128a (Fig. 1) of the amount of money from payment system database 128 of immediate payment request in fact with the application programming interface (API) of payment system or other communication mechanism.Systematic account 128a in the transfer request identification amount of money, the payment system database 128 and the searchers account 128b in the payment system database 128.Alternatively, transaction fee can be received by

system

114 and 126, be used to the fixed expense (flat fee) (Li Ru $0.50) of the request of handling and/or number percent (for example 3.0%), any transaction fee can deduct and charge to the credit side of the transaction fee account 128c (Fig. 1) of search system 114 (and/or payment system) from the transfer amount request, and the actual account transfer in the payment system 126 will deduct transaction fee for the request amount of money.The then affirmation of waiting for from the account transfer of payment system 126 (Fig. 1) in 220 (Fig. 2) search system 114.If do not receive affirmation after a period of time of regulation, then search system can Cancel Transaction, attempt once more or otherwise solve and the uncompleted transaction of payment system.

When search system 114 (Fig. 1) is checked request, request account transfer and/or is waited for the affirmation of account transfer, search system 114 can be given for example searchers's equipment 120, the 140 transmission advertisements of searchers's equipment, for example be used for the advertisement of music shop, advertisement obtains from Advertisement Server 122 (Fig. 1), presents to the searchers by rights.Before making the immediate payment request and/or afterwards, search system 114 also can send the discounted price to goods and/or service to the searchers of request immediate payment.

If receive affirmation from payment system 126, then can the searchers 118 (Fig. 1) at request source place will be confirmed to send in 222 (Fig. 2) search system 114, and return to wait for request at 210 (Fig. 2), request source can be computer system 120 (Fig. 1) or searchers's equipment 140.Affirmation can be confirmed the amount of money of having been transferred accounts, and confirms the searchers's account information that is used to transfer accounts and/or relevant information on demand.Payment system 126 (Fig. 1) can also the general mode of using of payment system be confirmed transaction to the searchers.

If the account transfer operation requires transaction fee, then make request and this request when receiving as the searchers by system, search system 114 can be notified the amount of money of searchers's transaction fee, wherein the information indication is that the request amount of money deducts transaction fee by the actual value of immediate payment in fact, and can ask the searchers to agree the payment of revising before 212 (Fig. 2) check the amount of money available among the searchers account.

When charging to the credit side of searchers account 128b, not the debit who the amount of money (adding suitable expense) of transfer request is charged to systematic account 128a (Fig. 1), payment system 126 can add the amount of credit side that is added to searchers account 128b that any expense charges to the bill of search system 114 subsequently, as the result of transfer request.

As discussed earlier, when task was finished, maybe when satisfying any other qualifications, the configurable search system 114 of searchers was carried out substantial immediate payment.Under these circumstances, 252 (Fig. 2) search system 114 (Fig. 1) wait condition be satisfied with search database 124 (Fig. 1) in searchers account (for example be updated, the task relevant with search is done, and amount of credit side is added to searchers's search system account).If satisfy the condition of immediate payment request, for example task is finished, target reaches etc., then the amount of money and the out of Memory that reads in the search database relevant with searchers account 124 (Fig. 1) in 254 (Fig. 2) search system 114.Then the amount of money of request is charged to the debit of searchers account in the search database 124, and carry out account transfer as discussed earlier 216.If do not satisfy the condition of immediate payment request, then continue wait condition and be satisfied in 252 search systems.

For easy processing, bank can distribute the one group of special debit card number that together uses with immediate payment system for example described here.When searchers or guide kept account with bank, the account transfer from system's (main frame) account to searchers's account is commonly referred to as bought on credit.When receiving effective transaction, the general time spent of transfer request is less than 1 second.Transfer request generally can be the request of automatic clearing house (ACH) type or according to the ACH file of traditional ACH exchange files cannonical formatization.Transfer request can not used traditional ACH system, and transfer request generally can connect by bank's internet banking and send to bank, and bank's internet banking connects can comprise home banking channel or ATM (Automatic Teller Machine) (ATM) channel.Conveyer mechanism can be by VPN(Virtual Private Network).In order to prevent to abuse such account, can stipulate minimum dealing money, the Li Ru $25.00 of extracting as the cash management instrument.The expense that is used to handle to the request of immediate payment can be set at and net outer ATM expense quite, for example.

Immediate payment request process 290 (see figure 3)s can be moved on source device, for example searchers's computer system 120 (Fig. 1), searchers's equipment 140, search system 114, maybe the immediate payment request can be sent to any other suitable equipment of search system 114.Process 290 (Fig. 3) begins with the request to information 292, and this information can comprise searchers's more voxels in the search system 114 (Fig. 1).Request can be included in the search system 114 order of the amount of money of the money in searchers's account in the password, request search database 124 of right of searchers's identifier, verification search person access search database 124 of the account that allows system identification searchers 118, the data that safety is relevant, the identifier (for example " cookie (cookie) ") of identification searchers's source device (for example computer system 120 or searchers's equipment 140).In general, can in request, provide account ID, password and/or other authorization information applicatory automatically, yet, searchers's 118 these information of input can be required.Request makes the amount of money of the money that is brought in the search system 114 acquisition searchers accounts and/or other data in the search database 124, and sends it to searchers's equipment, and for example searchers's equipment 120,140.If do not receive the request to information, then process 290 continues to wait for request 292.

294, other suitable method that process 290 (Fig. 3) then continues to use graphic user interface (GUI) or is used for searchers's equipment (for example searchers's equipment 120,140) shows the amount of money that receives from search system 114 (Fig. 1) with response request, with by searchers's 118 examinations.

296, process 290 (Fig. 3) then determines whether to activate immediate payment (PayMeNow on the display GUI by for example searchers ^TM) button or controller or when presenting speech interfaces button or sounding, or other behavior of searchers 118 (Fig. 1) has activated the immediate payment request.If do not activate the immediate payment request, then process 290 (Fig. 3) is waited for.If the user does not take further action in particular time interval, then process 290 is overtime and return, with in 292 requests of waiting for searchers's accounts information.If activated immediate payment, then process 290 is proceeded to specify the amount of money and/or out of Memory to be paid to present option 298 to the searchers to allow the searchers.

At 300 (Fig. 3), searchers 118 (Fig. 1) can then specify and the different amount of money of the amount of money that receives from search system, and/or any modification is carried out in the request of immediate payment.302, process 290 is proceeded, and to determine whether by for example active controller (as " OK " button on " click " GUI), to depress " enter " type key on the source device keyboard, oral acceptance etc., comes the request of requesting activation to immediate payment.

If there is not to activate the request to immediate payment, then process 290 is waited for.If do not activate the immediate payment request in a period of time of regulation, then process 290 is overtime and return, with in 292 requests of waiting for searchers's accounts information.

If activated the request to immediate payment, then process 290 then sends to search system 114 (Fig. 1) 304 with the immediate payment request, and in the affirmation of 306 (Fig. 3) wait from the account transfer of payment system 126 (Fig. 1).If receive affirmation, then process 290 (Fig. 3) can present the indication of affirmation to the searchers.Process 290 is then returned to wait for another request 290.

If do not receive the confirmation from payment system, then process 290 is waited for.If do not receive the confirmation from payment system 126 (Fig. 1) in a period of time of regulation, then process 290 (Fig. 3) is overtime and solve overtime situation 308.Search system can be retransmitted transfer request, Cancels Transaction and notifies the guide or take any suitable action to solve overtime situation.Process 290 is then returned to wait for another request 292.

Except storing the Search Results relevant etc. with the search/task of searchers's 118 execution, search database 124 (Fig. 1) but stored search person information also, for example searchers's grade (ranking) and with pay for task and as in the relevant information of here discussing of immediate payment in fact shown in Figure 4.Search database 124 (Fig. 1) can comprise searchers's searching record 340 (see figure 4)s.Though figure 4 illustrates single searchers's record, can envision, search system 114 can be any searchers and safeguards independently searchers's record.

As shown in Figure 4, the searchers write down 340 can comprise have guide's id field (field) 342, the record of payment system account id field 344, payment system routing number field 346, account transfer condition field 348, gross income field 350, account balance field 352 and payment field 354.

Guide's id field 342 comprises unique guide's identifier of guide's record of being used to distinguish the guide and guide's record of other guide.

Payment system account id field 344 comprises the accounts information (credit/debit card) of searchers in the payment system 126 (Fig. 1).The payment system accounts information can be used for payment sent to the guide and writes down relevant payment system account.

Payment system routing number field 346 (Fig. 4) comprises the routing number of searchers's account in the payment system 126 (Fig. 1).Routing number can be used for payment sent to the guide and writes down relevant payment system account.

Account transfer condition field 348 (Fig. 4) comprise about for the guide writes down relevant guide after satisfy condition as previously mentioned the information of the condition of immediate payment.

Gross income field 350 comprised with the guide write down the total charge that relevant searchers/guide/staff is brought in a period of time.

Account balance field 352 can comprise the amount of money that writes down current money available in relevant searchers's account with the guide.

Payment field 354 can comprise the amount of money for the request of the immediate payment relevant with the account transfer condition field 348 of searchers record.

Search database 124 (Fig. 1) also can write down may needs according to law other financial information, for example searchers's the tax rate, tax revenue are withholded the amount of money (tax withholding amount), SSN (social security number) etc., and these information can influence the searchers's who transfers into by for example debit card the actual accessible amount of money.

Payment system database 128 comprises main search system account 128a, and when when payment request, disbursing funds can be from main search system account 128a transfer accounts searchers's account, for example searchers's account 128b.Therefore because system described here needs the searchers's account in the payment system 126, can require the searchers carrying out to the request of immediate payment or be allowed to be provided with above-mentioned configuration variables to set up such account with before carrying out immediate payment.In at least one embodiment, for example can use graphic user interface (GUI) for example GUI550 (Fig. 9) collect this information.

Fig. 5 describes computer system 120 (Fig. 1) and goes up the GUI 392 that shows, it is used to carry out search mission, and at least one embodiment, the searchers can be from GUI 392 request immediate payment (PayMeNow ^TM).This interface 392 (Fig. 5) is included in the inquiry field (field) 394 of the wherein inquiry of explicit user 110 (Fig. 1).Can be provided for organizing the frame 396 (Fig. 5) of searchers's 118 (Fig. 1) Search Results, and subscriber computer 112 can be selected and send to Search Results from this frame 396.The indicator 398 (Fig. 5) of completed workload also can be provided.This interface also can comprise territory 400, and it shows that the searchers is by finishing the current amount of money that one or more search missions bring in.Also can comprise the button or the controller 402 that begin the request of immediate payment.

GUI 392 (Fig. 5) also can comprise advertisement windows 404 and target selection frame 406.Target selection frame 406 can lead to this GUI, be routine title as mentioned previously Fig. 4, and can show that Fig. 4 A and 4B according to identical application reach the needed residue work of target for the related application of " Method And SystemTracking Work Done By Human Workers ".The guide can determine to select noncash or cash target.Any or all income of guide can be followed to be annotated and be " point ", should " point " can count towards reaching the specified target of guide.If reach target, then the guide can determine to buy immediately article, and payment is then charged to the debit of his or her account of receipts, and proportionately is logged in the credit side of a trader that target goods and/or service are provided in the payment system 128 (Fig. 1) or a plurality of traders' account.For example, target can be goods or service (for example, film ticket, haircut etc.), and in this case, ticket can be bought and extract in " will call " immediately.For from supply of material trader discount taken, or the like, this may be favourable, this can improve guide's morale.

Fig. 5 A is the diagram that can how to arrange the GUI408 of current income and target at least one embodiment.GUI 408 illustrates " income " 410 of the accumulation relevant with button 412 and target 414, make to carry out request to immediate payment when button 412 is triggered, and target 414 can be edited or replace with new target by relevant button 416.GUI 408 also can show indicator 418 and other relevant information of completed workload.

In this diagram, current goal is an amount of cash.If but target is commodity, film ticket for example, then display can show film ticket and obtain the number percent of the required gross income of ticket.Basic basis is a money, but the discount relevant with the purchase of ticket can be arranged, and this discount is not visible easily, and this may make the acquisition ticket easier.For example, if the staff can select film ticket as target, then the no allowance valency of ticket may be.If the staff is as the every search of guide hour Zheng $5.00, then the staff needs work to obtain ticket in 1.8 hours.But search system (is the quite buyer of big (considerable) of ticket to its guide) can be to obtain identical ticket.So the search system for example equivalent service of Yi $7.50 provides ticket to the guide.In this example, for the staff, income only need be worked corresponding to 1.5 hours guide and be obtained film ticket.The staff can then trigger PayMeNow ^TMButton 412, and ticket in this example is assigned with (for the staff buys) at the cinema and can obtains when " will call " window extracts.

Aiming field 414 can be the drop-down menu that allows to select different target.When reaching target, system is " payment " selected target automatically.Example above using, if the staff reaches the target of film ticket, then ticket " is bought " with autoelectrinic ground by system, and the staff can show up at the cinema and extracts ticket.By this way, when satisfying predetermined target, the payment of " being triggered " appears at the place of paying, for example, and the accrued income of “ $200 " or " 2 film tickets, puffed rice and 2 big beverages ".

Fig. 5 B illustrates GUI 420, and it can make the parameter that is used for importing automatic immediate payment request by searchers/staff.GUI 420 can comprise payment terms territory 422, disbursement account territory 424, payment/type field 426, " interpolation " button 428, " deletion " button 430, " acceptance " button 432, " cancellation " button 434 and navigation controller 436.

Payment terms territory 422 allows guides to specify the condition of the request of paying, for example " date equals ", " account balance greater than ", " target reaches ", " when task is finished ", " Friday of per fortnight ", " every month the 15th day ", " second Thursday of every month " etc.This allows the searchers to specify the condition of carrying out the immediate payment request.Condition can be logical combination.For example, " any task is finished " AND " account balance Da Yu $100 ", or " when target reaches " OR " every month last day " OR " selects PayMeNow ^TM".Condition field can be embodied as drop-down menu or other suitable interface.

Payment account territory 424 allows the guide to specify the payment system account, when condition is that true time proceeds to transferring accounts of this payment system account.For example, the guide can have a plurality of accounts (savings account, checking account, loan etc.) of using payment system, maybe can have the payment account of the foundation of using a plurality of payment systems.Can in this territory, import the account that the guide can be used for the immediate payment request.Input domain can be embodied as drop-down menu, and account can make the demonstration that ins all sorts of ways, for example description of account number or account.

Payment/type field 426 allows the guide to specify the amount of money and/or the type of immediate payment request alternatively.Use this mechanism, if satisfy the condition of definition, then the guide can select to transfer accounts and be different from and comprise the amount of money of total account remaining sum.For example, if when the task amount of working as is finished, the credit side who finishes the search system account that causes the guide of task is that then the guide can select the savings account of will transferring accounts, and the checking account of transferring accounts.Equally, the guide can select to be paid immediately when reaching goods and/or service goal.

" interpolation " button 428 allows the guide new Payment Request to be added to the tabulation of automatic Payment Request." deletion " button 430 allows the guide for example by selecting request and activate delete button 430 and delete existing Payment Request from tabulation." acceptance " button 432 allows the guide to accept current automatic request list, and any change is kept in the search database 124 (Fig. 1)." cancellation " button 434 (Fig. 5 B) allows the guide to withdraw from GUI 420, and any change is not saved in search database 124 (Fig. 1).Navigation controller 436 (Fig. 5 B) allows guide's navigation in whole automatic Payment Request tabulation.

If carried out automatic request, then search system 114 (Fig. 1) can be notified the searchers.Can use various advice methods, for example instant message, SMS, Email or other communication means.Payment system can be confirmed transaction by traditional approach.

Fig. 6 illustrates GUI 442, if activator button 402 (Fig. 5) at least one embodiment for example, then GUI 442 can be presented on the computer system 120.GUI 442 (Fig. 6) can comprise the territory 444 that shows the amount of money among the searchers account, and this amount of money can the payment of total charge changes in the account by selecting this territory and the number button that uses a computer to specify to be not more than by the searchers.Certainly, the searchers does not need to change the amount of money in the territory 444.Also can comprise the button or the controller 446 that are used to activate to the request of immediate payment.Alternatively, interface 442 also can comprise button 448, comes immediate payment when each task is finished configuration preference to be set, and in this case, about the amount of money of editor's payment, does not generally inquire the searchers.

With the ability of computer system 120 relatively, portable phone, PDA or other searchers's equipment for example searchers's equipment 140 (Fig. 1) GUI or other ability can be limited and therefore preferably be simplified.In at least one embodiment, the searchers's equipment shown in Figure 7 for example GUI 450 of searchers's equipment 140 (Fig. 1) can be included in the territory 482 (Fig. 7) that wherein shows the amount of money among the searchers account.The amount of money that searchers 118 (Fig. 1) can use equipment key 484 to change in the territory 482 (Fig. 7), and can use transmission/transmission button 486 to transmit the immediate payment request.As alternatives, can provide two territories: first territory, wherein be presented at the amount of money that brings in (available) in the search database 124 (Fig. 1), and second territory, wherein the searchers can import the amount of money to be transferred accounts.

Have at searchers's equipment under the situation of limited demonstration and/or interface ability, suitable interface can be provided.For example, when searchers's equipment only had phonetic entry and audio frequency fan-out capability, voice xML or people can handle the immediate payment request.

Fig. 8 illustrates sequence of operations 512, and wherein people or entity sign up as searchers or guide or supplier, execution work, or receive remuneration and in fact by immediate payment.At first finish registration at 514 people/entity.Checking at 516 execution log-on messages.If checking is unsuccessful, then system 114 (Fig. 1) sends report and turns back to registration operation (Fig. 8) 514 at 518 (Fig. 8).If information is verified, then for example W9, taxpayer ID etc. are stored by database update in 520 log-on datas.Then trained 522 guides/registrant.If training is not finished, then process 512 is waited for training in 522 continuation and is finished.If training is finished, then the guide can enter (enter) and serves and begin to carry out search mission or the relevant task of search, should income be charged to the credit side of guide account's (see figure 4) 524 for the relevant task of this search mission or search.Can then ask payment 526 guides.If do not ask payment 526 guides, then process 512 continues to wait for request.In 528 systems inspections to check whether account balance is sufficient.If inadequate, then send not enough remaining sum message 536.Process 512 is then returned 524 income is charged to guide credit side.If account balance is sufficient, then search system 114 (Fig. 1) obtains payment data and carries out the calling of payment system API (application programming interface), and sends to payment system 128 with the transfer transactions with payment.In payment system 128, can be credited to credit side's (less transaction/handling) at 530 (Fig. 8) searchers (or guide) account 128b, thus the payment guide.Then take in 532 distribution processor.Upgrade search database 124 (Fig. 1) at 534 (Fig. 8) search system, 114 (Fig. 1).Process 512 is then returned to wait for that 524 the guide produces income.

When the payment system of using another type for example during bank, the searchers can have the account of Private Banking with the debit card/credit card that is associated.Search system 114 has in bank by the income company's main account that for example advertisement provides with funds of originating.By typical payment plan (for example per fortnight), at PayMeNow ^TMWhen button is used, and/or when the searchers specified the his or her account of reply to carry out paying automatically and/or continuously, main account can be used for proceeding to the real-time account transfer of individual searcher account.Above in each can comprise from search system 114, from bank or from communication the supplier expense.

Top discussion indication searchers can select continuously or be paid when request.If all searchers have the account in payment system, then Mo Ren method of payment can be arranged to immediate payment always, and searchers/staff can select by payment more continually, for example when asking or the check by every monthly payment salary.Payment can be based on other factors, Gu Ding threshold value or when searchers's account balance reaches a certain percentage with respect to handling for example, or the like, as describing about Fig. 5 B.

Fig. 9 describes the exemplary GUI 550 by the entity input payment account information of guide or registration.GUI 550 can be shown to the guide, asks as the part of registration process 514 (see figure 8)s and/or as the guide.GUI 550 can comprise title, address, telephone number frame 552, routing number frame 554, account number frame 556, describe frame 558, " acceptance " button 560 and/or " cancellation " button 562.

Title, address, telephone number frame 552 (Fig. 9) can be used for importing the account data about searchers's account of using payment system.In at least one embodiment, use and to fill in this data automatically from the information of search database 124.

Routing number frame 554 (Fig. 9) can be used for being the input of the searchers's account in payment system routing number.Account number frame 556 (Fig. 9) can be used for being the input of the searchers's account in payment system account number.Describe frame 558 (Fig. 9) and can be used for being account input descriptive title.

Accept button 560 can be used for will the change data storing in search database 124 (Fig. 1).Cancel button 562 can be used for withdrawing from GUI 550, and change is not stored in the search database 124 (Fig. 1).

Any payment system account that can be used for immediate payment must use the payment system that satisfies above-mentioned requirements to set up.Though this system uses single payment system to be described, and can envision, and also can use a plurality of payment systems.

When the searchers used the debit card of payment system 126/credit card, the money that system allows the searchers to obtain bringing in the search database 124 also was possible.In such system, payment system 126 can receive transaction, for example to prop up the request of the mandate of providing funds from ATM.If can not obtain sufficient capital in searchers's payment system account 128b, but the transfer of financial resources of payment transaction, a kind of form of the protection of overdrawing are sought to be enough to by payment system query search system 114 (that is, produce immediate payment request) then.If can not obtain sufficient capital in the

system

114 and 126 of combination, then payment system 126 can be sent not enough fund message to the searchers by ATM.

System discussed here also can allow the searchers from any device logs to system, and obtain to allow GUI or other interface of the request of paying, thereby allow the searchers to pay from the request of any place in essence.

The electronic tasks of other type or activity, for example handle bank's backstage international trade transaction activity and also can be treated to the activity of search as discussed above, wherein immediate payment can allow the carrying out of the expense of the such electronic tasks of immediate payment by system discussed here.

Though by can on demand or when task is finished, asking the searchers of " micropayments " payment immediately to describe system, but this system always can be set to immediate payment after one or more tasks are finished, thereby immediate payment always or allow the searchers to obtain the fund that is brought in essence.

System can be configured to tax payment, interests (benefit), expense etc. on the basis of automatically calculating, as by for example New York Rochester

The service that is provided realizes.

System also uses the payment system 126 of separating with search system 114 to describe, and these two systems can be merged into individual system.

Though the discussion referred database here has record, database can use suitable visit identifying information to store any data with any way that allows the visit relevant information.

Guide, searchers, entity or staff also can ask another account is carried out immediate payment, and for example the guide may wish it is paid or the credit card or the savings account of transfer fund.

Searchers's account in the search system can receive because the income of a variety of causes, and for example by the amount of credit side of the searchers enlisted other people search carried out, as in the patronage system, wherein the searchers signs up other searchers and carries out search work.

The work of being paid does not in fact immediately need to be the work based on electronics as discussed here, as long as work or movable finish or the amount of money of the expense of terminal point and payment work can be input in the electronic system.Work can be paid interimly rather than at the end that work is finished, when for example each incident in a series of incidents of the work of formation finishes.

The user can make fund transfer accounts electronically other accounts or other finance or non-financial institution in the bank, rather than extracts fund by debit card.

Search system itself can be the part of financial institution, thereby the searchers's account in the system will be bank account.

Described embodiment about search system, but they can put into practice in other environment of independently contractor (guide or staff) execution work, wish to have the request payment system for this work.

System can be the part of non-profit network, and wherein the registrant is the acceptor, and this acceptor (for example) is proved to be the victim into natural disaster.Such system by highly structural with accountable (accountable) but can dispose fast and the existing infrastructure in the system flexibly, relief immediately can be provided.The Systems Operator can be existing charity with marketer and contributor's network (UNICEF, American Red Cross, Saviour Army, unite and solicit contributions by persuasions association (United Way) etc.), and these marketer and contributor can be organized as the contributor and the service supplier of network.

Equally, for example main retailer of corporation of profit (The Home for example ) such system can be provided, so that be organized in the stand-alone service supplier that supplemental services (for example installation of the product of being bought) is provided on the basis of task type.The contractor can select by immediate payment, so that improve its cash flow, and/or also can select aforesaid commodity compensation, to allow them to enhance the purchasing power and/or to influence the supplier basis.

Also organization system by this way is so that notify the member of guide/searchers/staff/entity or sponsored person (sponsoree) to allow one group of staff to reach target and receive payment in fact immediately.The earning power of registrant's group can be greater than the earning power of identical group as the individual, because at least one member can bring in the remuneration to his or her task, and from his or her sponsored person's commission.

Because the staff that can share common interests can employ in system, so the ability of the commercial network of associating can be used for using (for example) electronic cards to come discount taken.

As discussed above, the staff can use card to be paid electronically, but he or she also can use network to buy commodity film ticket for example outside the commodity that searched system supplier provides, or the prepayment commodity and/or the service that are provided by branch offices of system.For example do not realized the pay down system under the situation of debit card there being portable medium.

System also can allow income to gather single account.For example, single guide may not bring in the enough amount of money satisfying condition in given a period of time, but last set person can determine some or all " donations " with its income to searchers's account.Income can be for special need using from nonprofit organization/transfer accounts/donate.

About carrying out activity and having been described system by the staff of immediate payment in fact.Also may allow the staff with distribution of earnings to collective activity, for example disaster relief is to describe in the related application of " Method, System And Computer Program For Multilevel Marketing " as the exercise question of discussing in front.Tissue/entity can have the account of using search system 114, this search system 114 (for example can accumulate income, little donation from a lot of searchers), if satisfy a set condition, then this income can be followed in fact by immediate payment to by the various accounts of organizing appointment.

Therefore according to detailed description, a lot of feature and advantage of embodiment clearly are intended that all the such feature and advantage in its true spirit and the scope of dropping on that cover embodiment by claims.Further, because those skilled in the art will expect a lot of changes easily and change, shown in not wishing the invention embodiment is restricted to and described precise structure and operation, therefore can take to drop on all suitable changes and equivalents in its scope.

Claims

1. method of payment based on task comprises:

Carry out the activity relevant by the movable assistant director relevant with search with search; And

When described activity is finished, described assistant director is realized immediately E-Payment in fact.

One kind based on the search method of payment, comprising:

By the searchers is to ask the user of described search to carry out the search system activity; And

When described search is finished, described searchers is realized immediately E-Payment in fact.

3. method comprises:

Determine that the task relevant with electronic search is performed; And

Realization is to the payment in fact immediately of electronic working task.

4. method of payment with the relevant activity of search comprises:

Carry out the activity relevant by the staff with search; And

According to the request relevant described staff is realized immediately E-Payment in fact with described activity.

5. method as claimed in claim 4, wherein said activity comprise that the searchers carries out a kind of among the searchers of information search and training for the user, and wherein Search Results is sent to described user in described information search.

6. method as claimed in claim 4, wherein said payment one of comprise in the compensation of cash compensation and noncash.

7. method as claimed in claim 6, the compensation of wherein said noncash comprise commodity, service, gift token, about the trader of associating count and about one of in the trader's of associating the amount of credit side.

8. method as claimed in claim 4, wherein said performing step comprise payment from the search system account transfer to searchers's account.

9. method as claimed in claim 8, wherein said account transfer step comprise the payment transfer request are sent to payment system.

10. method as claimed in claim 9, wherein said payment system comprises bank.

11. comprising, method as claimed in claim 5, wherein said performing step allow described searchers to use electronic cards to extract payment.

12. comprising, method as claimed in claim 5, wherein said performing step determine whether searchers's account comprises the sufficient capital that is used for the payment of being asked.

13. method as claimed in claim 5, wherein said performing step comprises:

Present the graphic user interface that searchers's search system more voxels is shown for described searchers; And

Allow described searchers to use described graphic user interface to specify payment.

14. method as claimed in claim 13, wherein said searchers can specify the payment trigger.

15. comprising, method as claimed in claim 5, wherein said performing step allow described searchers's request payment electronically.

16. method as claimed in claim 5, wherein said execution in step comprises the credit side who the income of described search is charged to searchers's search system account.

17. method as claimed in claim 5, wherein said payment is triggered when satisfying target.

18. the method for payment based on search comprises:

By the searchers is to ask the user of described search to carry out information search and send Search Results to described user; And

After sending described Search Results, when being asked, described searchers is realized that in fact immediately E-Payment, the step of described realization payment comprise payment is transferred into searchers's account the financial institution from the search system account by described searchers.

19. the method for payment based on search comprises:

After sending described Search Results, when being asked, use debit card to buy to described searchers's realization E-Payment in fact immediately by allowing described searchers by described searchers.

20. a method comprises:

In search system searchers account, will charge to searchers's credit side to the income that brings in of search;

The interface of Payment Request is provided for described searchers;

Allow described searchers to use described interface to specify payment;

Present advertisement to described searchers;

Determine that described searchers has asked the described payment from described searchers's account;

Discern the enough funds whether described searchers's account is useful on described payment;

Described payment is charged to the debit of described searchers's account;

The credit entry request is sent to payment system, described payment is charged to the credit side of searchers's payment account;

The credit side of searchers's payment account described in the described payment system is charged in described payment, and described payment is charged to the debit of search system account;

Confirm account transfer to described searchers; And

Allow described searchers to obtain fund in the described payment account in fact immediately.

21. method as claimed in claim 20 is wherein saidly determined, discerns, is debted, transmission and credited step comprise the no more than one minute time.

22. a system comprises:

Search system, it allows the user to ask the execution search also to earn an income owing to described search according to the user;

Payment system, it allows described income that searchers's request brought in and in fact by described income that immediate payment brought in.

23. a graphic user interface comprises:

The territory, it is used to be set by the user payment; And

Controller, it allows the request of user's initiation to the immediate payment in fact of described payment.

24. a graphic user interface comprises:

The territory, the income that its demonstration brings in; And

Controller, its permission user initiates the request to the immediate payment in fact of the described income that is brought in.

25. interface as claimed in claim 24 further comprises:

The territory, it is used to show the search inquiry by guide's search; And

The Search Results territory, it is used to show the Search Results that is used for described inquiry.

26. a computer-readable memory that is used for control computer, described storer comprises database, and described database comprises:

Staff's identifier field;

Payment system account identification symbol field, it is used to discern staff's payment system account; And

The account balance field, it is used for the income remaining sum that is brought in that described staff brings in is remained on the system that described staff works therein.

27. the method for payment based on task comprises:

Carry out being suitable for of task based on the payment of electronics by the staff; And

When described task is finished, described staff is realized immediately E-Payment in fact.

28. a graphical interface of user comprises:

The territory of destiny account; And

Specify the territory of immediate payment type.

29. interface as claimed in claim 28 is when the wherein immediate payment type task of being included in is finished, when when request and periodically.