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1.发明申请Multi-channel transaction system for transferring assets between accounts at different financial institutions 审中-公开用于在不同金融机构账户之间转账资产的多渠道交易系统公开(公告)号：US20070100748A1
公开(公告)日：2007-05-03
申请号：US11584783
申请日：2006-10-19
申请人： Sanjeev Dheer , Jeremy Sokolic , Amir Sunderji , Behram Panthaki
发明人： Sanjeev Dheer , Jeremy Sokolic , Amir Sunderji , Behram Panthaki
IPC分类号： G06Q40/00
摘要： Embodiments of a system for providing an integrated financial system to facilitate the transfer of funds among accounts held at different financial institutions and over different networks are described. The system executes a transaction involving a withdrawal of assets from a first account at a first financial institution and a deposit of at least a portion of the withdrawn assets to a second account at a second financial institution. The first account and the second account are maintained by different corporate entities, and may have the same or different account holders. The financial institutions are coupled to one another through different types of networks. The transaction is broken down into separate debit and credit legs. An integrated transfer process selects the optimum network to perform each leg of the transaction based upon constraints associated with the transaction and user preferences, such as cost and speed of the transaction, and restrictions or rules imposed by the networks and/or the financial institutions.
摘要翻译： 描述了用于提供综合金融系统以促进在不同金融机构和不同网络所持有的账户之间转移资金的系统的实施例。 该系统执行涉及从第一金融机构的第一帐户提取资产并将至少一部分已撤回资产存入第二金融机构的第二帐户的交易。 第一个帐户和第二个帐户由不同的公司实体维护，可能拥有相同或不同的账户持有人。 金融机构通过不同类型的网络相互耦合。 交易分为单独的借方和信用额度。 综合转移过程根据交易和用户偏好（例如交易的成本和速度）以及由网络和/或金融机构施加的限制或规则来选择最佳网络来执行交易的每一条。
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2.发明授权公开(公告)号：US08874480B2
公开(公告)日：2014-10-28
申请号：US13488403
申请日：2012-06-04
申请人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
发明人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
CPC分类号： G06Q20/102 , G06Q20/10 , G06Q20/1085 , G06Q40/02 , G06Q40/12
摘要： Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which a customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.
摘要翻译： 本文描述的实施例包括电子交易服务网络（此处也称为集中式电子交易（CET）服务）。 根据实施例，财务管理系统代表多个商家托管多个CET网站。 通过CET网站进行的所有交易均由财务管理系统执行和管理。 商家可以定制他们的网站，以包含品牌的外观和感觉。 商家网站是客户可以注册的CET服务的一部分。 然后，注册客户可以查看并支付任何拥有CET网站的商家的发票，无论购买是在线还是离线。 客户指定CET服务的偏好，包括选择现有的客户帐户，财务管理系统将从该客户账户代表客户支付发票。 这样就不需要像传统的方法一样，客户开立和分配单独的支付账户。
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3.发明申请公开(公告)号：US20080288400A1
公开(公告)日：2008-11-20
申请号：US12109309
申请日：2008-04-24
申请人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
发明人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
CPC分类号： G06Q20/102 , G06Q20/10 , G06Q20/1085 , G06Q40/02 , G06Q40/12
摘要： Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service)=According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.
摘要翻译： 本文描述的实施例包括电子交易服务网络（此处也称为集中式电子交易（CET）服务）=根据实施例，财务管理系统代表多个商家托管多个CET网站。 通过CET网站进行的所有交易均由财务管理系统执行和管理。 商家可以定制他们的网站，以包含品牌的外观和感觉。 商家网站是客户可以注册的CET服务的一部分。 然后，注册客户可以查看并支付任何拥有CET网站的商家的发票，无论购买是在线还是离线。 客户指定CET服务的偏好，包括选择现有的客户帐户，财务管理系统将从该客户账户代表客户支付发票。 这样就不需要像传统的方法一样，客户开立和分配单独的支付账户。
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4.发明申请公开(公告)号：US20120245983A1
公开(公告)日：2012-09-27
申请号：US13488403
申请日：2012-06-04
申请人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
发明人： Behram Panthaki , Aaron Rudenstine , Jeremy Sokolic , Amir Sunderji , Sanjeev Dheer , Neil Platt , Demetris Papademetriou
CPC分类号： G06Q20/102 , G06Q20/10 , G06Q20/1085 , G06Q40/02 , G06Q40/12
摘要： Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service) According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.
摘要翻译： 本文描述的实施例包括电子交易服务网络（此处也称为集中式电子交易（CET）服务）。根据实施例，财务管理系统代表多个商家托管多个CET网站。 通过CET网站进行的所有交易均由财务管理系统执行和管理。 商家可以定制他们的网站，以包含品牌的外观和感觉。 商家网站是客户可以注册的CET服务的一部分。 然后，注册客户可以查看并支付任何拥有CET网站的商家的发票，无论购买是在线还是离线。 客户指定CET服务的偏好，包括选择现有的客户帐户，财务管理系统将从该客户账户代表客户支付发票。 这样就不需要像传统的方法一样，客户开立和分配单独的支付账户。
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公开(公告)号：US20110313921A1
公开(公告)日：2011-12-22
申请号：US12968189
申请日：2010-12-14
申请人： Sanjeev Dheer , Behram Panthaki , Krishna Bhagavatula , David Cooper , Neil Platt , Tammi Shapiro , Gregg Smelker
发明人： Sanjeev Dheer , Behram Panthaki , Krishna Bhagavatula , David Cooper , Neil Platt , Tammi Shapiro , Gregg Smelker
IPC分类号： G06Q40/00
CPC分类号： G06Q20/223 , G06Q20/10 , G06Q20/108 , G06Q20/40 , G06Q20/425 , G06Q40/02
摘要： A method and apparatus for internetworking multiple person-to-person (P2P) payment networks and financial institutions is disclosed. Embodiments include receiving a request to send funds from a payor, the request containing one of the payee's email address and mobile phone number; determining whether the payee is registered with a network financial institution that is within a P2P network of the payer (the originating P2P network), wherein determining includes matching one of the payee's email address and mobile phone number; if the payee is registered within the originating P2P network financial institution, transferring the funds to the payee account at the network financial institution and notifying the payee and posting the transaction on the network financial institution web site; and if the payee is not registered within the originating P2P network determining whether the payee is registered with any second payment network connected to the internetwork payment hub with which the originating network is connected wherein determining includes matching one of the email or mobile phone number of the payee specified by the payor.
摘要翻译： 公开了一种用于互联多个人对人（P2P）支付网络和金融机构的方法和装置。 实施例包括接收从付款人发送资金的请求，该请求包含收款人的电子邮件地址和移动电话号码之一; 确定收款人是否向在付款人（发起P2P网络）的P2P网络内的网络金融机构注册，其中确定包括匹配收款人的电子邮件地址和移动电话号码中的一个; 如果收款人在原始P2P网络金融机构中注册，将资金转入网络金融机构的收款人账户，并通知收款人并在网络金融机构网站上发布交易; 并且如果收款人未在始发P2P网络中注册，则确定收款人是否与连接到与其始发网络连接的互联网络支付集线器的任何第二支付网络注册，其中确定包括匹配电子邮件或移动电话号码中的一个 收款人指定的收款人。
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公开(公告)号：US20080015982A1
公开(公告)日：2008-01-17
申请号：US11879818
申请日：2007-07-19
IPC分类号： G06Q40/00
摘要： Embodiments described herein include a financial management system that transfers funds on behalf of a user. Embodiments further include a payment enabled invoice method and system including a payment application and payment hubs through which invoicing entities may create and modify invoices, and through which a payer may view and pay the invoices. The invoicing entity and the payer do not exchange financial account information, which is confidentially held by the payment enabled invoice system. Invoices are paid according to funds transfer embodiments, wherein a transfer comprises the financial management system executing a debit transaction from a first financial institution, holding the debited funds in an intermediary account owned by the financial management system at a second financial institution, and executing a credit transaction to credit the funds to an account at a third financial institution.
摘要翻译： 本文描述的实施例包括代表用户转移资金的财务管理系统。 实施例还包括支付支付发票方法和系统，其包括支付应用程序和支付中心，通过该支付中心，发票实体可以通过该支付中心来创建和修改发票，付款人可以通过该支付应用程序查看和支付发票。 发票实体和付款人不交换由支付发票系统保密的金融账户信息。 发票根据资金转移实施方式支付，其中转移包括执行来自第一金融机构的借方交易的财务管理系统，将借记资金持有在第二金融机构的财务管理系统所拥有的中介账户，并执行 信贷交易将资金信用到第三家金融机构的账户。
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公开(公告)号：US20100042539A1
公开(公告)日：2010-02-18
申请号：US12543501
申请日：2009-08-18
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/102 , G06Q20/223 , G06Q20/325
摘要： Embodiments of the invention include an electronic payment system that allows person-to-person (P2P) payments and requests for payment, consumer-to-consumer (C2C) payments and requests for payment, and use of a P2P service by a business which in turn offers the service to its customers for making payments and requests for payment. The system and service allow users to make payments from their existing financial accounts to anyone, anywhere without funding a special account and managing a third-party relationship separate from the relationship the user has with the financial institution. The service further allows users to receive payments without registering for a third-party service. In embodiments, the service is available as an integrated banking service alongside current financial institution electronic banking services already used by customers. A bank customer can use the payment service directly from within a bank or bank web site.
摘要翻译： 本发明的实施例包括允许个人对个人（P2P）支付和付款请求，消费者对消费者（C2C）支付和支付请求的电子支付系统以及由业务使用P2P服务的电子支付系统， 转向为客户提供付款和付款请求。 系统和服务允许用户从现有的财务账户向任何人付款，无需资助特殊帐户，并管理与用户与金融机构之间的关系分开的第三方关系。 该服务还允许用户在不注册第三方服务的情况下接收付款。 在实施例中，该服务作为综合银行服务可用，以及客户已经使用的当前金融机构的电子银行服务。 银行客户可以直接从银行或银行网站使用支付服务。
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公开(公告)号：US20100042538A1
公开(公告)日：2010-02-18
申请号：US12543497
申请日：2009-08-18
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/102 , G06Q20/223 , G06Q20/325
摘要： Embodiments of the invention include an electronic payment system that allows person-to-person (P2P) payments and requests for payment, consumer-to-consumer (C2C) payments and requests for payment, and use of a P2P service by a business which in turn offers the service to its customers for making payments and requests for payment. The system and service allow users to make payments from their existing financial accounts to anyone, anywhere without funding a special account and managing a third-party relationship separate from the relationship the user has with the financial institution. The service further allows users to receive payments without registering for a third-party service. In embodiments, the service is available as an integrated banking service alongside current financial institution electronic banking services already used by customers. A bank customer can use the payment service directly from within a bank or bank web site.
摘要翻译： 本发明的实施例包括允许个人对个人（P2P）支付和付款请求，消费者对消费者（C2C）支付和支付请求的电子支付系统以及由业务使用P2P服务的电子支付系统， 转向为客户提供付款和付款请求。 系统和服务允许用户从现有的财务账户向任何人付款，无需资助特殊帐户，并管理与用户与金融机构之间的关系分开的第三方关系。 该服务还允许用户在不注册第三方服务的情况下接收付款。 在实施例中，该服务作为综合银行服务可用，以及客户已经使用的当前金融机构的电子银行服务。 银行客户可以直接从银行或银行网站使用支付服务。
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9.发明申请Real-Time Settlement of Financial Transactions Using Electronic Fund Transfer Networks 审中-公开使用电子资金转移网络实时结算金融交易公开(公告)号：US20100030687A1
公开(公告)日：2010-02-04
申请号：US12357308
申请日：2009-01-21
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/108 , G06Q20/1085
摘要： Embodiments of a system for providing a financial management system to facilitate the transfer of funds among accounts held at different financial institutions and over different networks are described. The system performs a transaction involving a withdrawal of assets from a first account at a first financial institution and a deposit of at least a portion of the withdrawn assets to a second account at a second financial institution. The account user can select between real-time transactions and standard transactions. Real-time transactions are executed over an ATM network coupling the first financial institution and the second financial institution, and standard transactions are executed over an ACH network coupling the first financial institution and the second financial institution.
摘要翻译： 描述了用于提供财务管理系统以促进在不同金融机构和不同网络上持有的账户之间的资金转移的系统的实施例。 该系统执行涉及从第一金融机构的第一帐户提取资产并将至少一部分已撤回资产存入第二金融机构的第二帐户的交易。 帐户用户可以在实时交易和标准交易之间进行选择。 实时交易通过耦合第一金融机构和第二金融机构的ATM网络执行，标准交易通过耦合第一金融机构和第二金融机构的ACH网络执行。
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公开(公告)号：US20090276359A1
公开(公告)日：2009-11-05
申请号：US12435393
申请日：2009-05-04
申请人： Behram Panthaki , Krishna Bhagavatula , Richard Bowman , Vishal Bhatia , Diya Parial , Nash Ali , Amir Sunderji , Jeremy Sokolic , Yonghui Zhang
发明人： Behram Panthaki , Krishna Bhagavatula , Richard Bowman , Vishal Bhatia , Diya Parial , Nash Ali , Amir Sunderji , Jeremy Sokolic , Yonghui Zhang
IPC分类号： G06Q40/00
摘要： Described herein is a multi-product-multi-channel payment platform system and apparatus that extends the capability of current online banking/funds-transfer systems. Different types of financial accounts are modeled in a financial management system to enable types of online, electronic funds transfer transaction that were not previously possible. Among novel elements of the system and apparatus disclosed is the enablement of real-time application of rules to different types of financial accounts and/or products across channels, such as how much money may be deposited or withdrawn in a period of time.
摘要翻译： 这里描述了一种多产品多渠道支付平台系统和装置，其扩展了当前网上银行/资金转移系统的能力。 在财务管理系统中建立不同类型的金融账户，以实现以前不可能实现的在线电子资金转账交易。 所公开的系统和设备的新颖元素是能够将规则实时地应用于跨渠道的不同类型的金融账户和/或产品，例如在一段时间内可以存入或撤回多少钱。
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