公开(公告)号：US20060195398A1

公开(公告)日：2006-08-31

申请号：US11348535

申请日：2006-02-06

申请人： Sanjeev Dheer ,  Gautam Sinha ,  Scott Strug ,  Jeremy Sokolic

发明人： Sanjeev Dheer ,  Gautam Sinha ,  Scott Strug ,  Jeremy Sokolic

IPC分类号： G06Q40/00

CPC分类号： G06Q30/06 ,  G06Q20/102

摘要： A request is received from a user to register to use a payment system. Further received is identification of a user bank account to which received payments are to be deposited. An email address is also received along with an amount from the user. A request for payment is generated having the associated amount. The request for payment is then sent to the email address. The email recipient is offered multiple options for making an electronic payment. The email recipient's electronic payment choice is received and the electronic payment is processed on behalf of the user.

摘要翻译： 收到用户注册使用支付系统的请求。 进一步收到的是识别要存入收款的用户银行帐户。 还收到电子邮件地址以及用户的金额。 生成具有相关数量的付款请求。 然后将付款请求发送到电子邮件地址。 电子邮件收件人提供多种电子付款选项。 收到电子邮件收件人的电子付款选择，并代表用户处理电子付款。

公开(公告)号：US20050187867A1

公开(公告)日：2005-08-25

申请号：US11047359

申请日：2005-01-31

申请人： Jeremy Sokolic ,  Balraj Suneja ,  Gautam Sinha ,  Amitava Parial ,  Sarabjeet Singh ,  Sanjeev Dheer

发明人： Jeremy Sokolic ,  Balraj Suneja ,  Gautam Sinha ,  Amitava Parial ,  Sarabjeet Singh ,  Sanjeev Dheer

IPC分类号： G06F17/30 ,  G06F17/60

CPC分类号： G06Q20/22 ,  G06F16/957 ,  G06Q20/10 ,  G06Q40/00

摘要： Financial transaction data is retrieved from a financial institution. The financial transaction data includes a transaction value. The transaction value is compared to multiple pre-defined transaction identifiers and associated with one of the transaction identifiers. The financial transaction data and the associated transaction identifier are then stored in a storage mechanism.

摘要翻译： 金融交易数据从金融机构检索。 金融交易数据包括交易值。 将事务值与多个预定义事务标识符进行比较，并与事务标识符之一相关联。 然后将金融交易数据和相关联的交易标识符存储在存储机制中。

公开(公告)号：US20170270441A1

公开(公告)日：2017-09-21

申请号：US15394782

申请日：2016-12-29

申请人： Sanjeev Dheer ,  Christopher Marino ,  Gregory David Smelker ,  Shailesh Arun Alawani ,  Nitesh Gupta

发明人： Sanjeev Dheer ,  Christopher Marino ,  Gregory David Smelker ,  Shailesh Arun Alawani ,  Nitesh Gupta

IPC分类号： G06Q10/06 ,  G06F17/30 ,  H04L29/08 ,  G06Q50/00

CPC分类号： G06Q10/0635 ,  G06F17/30864 ,  G06F21/6245 ,  G06Q10/06395 ,  G06Q50/01 ,  H04L67/306

摘要： A monitoring and information exchange network (MIEN) system and method are disclosed. The system and method include a network hardware and software platform through which multiple entities can more automatically conduct and manage their relationships and exchange data. Entities include but are not limited to corporate entities. Connections are established and maintained in the network on an individual-to-individual basis. Once connections are established the connection itself is automatically archived along with all communications history, and data exchange history. Documents and data that must regularly be exchanged can be automatically requested and generated.

公开(公告)号：US20140067672A1

公开(公告)日：2014-03-06

申请号：US13601476

申请日：2012-08-31

申请人： Sanjeev Dheer ,  Michael Edward Martin ,  William Richard McMichael, JR. ,  Mark T. Harris ,  Juan Carlos Miqueli ,  Brian Corey Sondergaard ,  David Michael Keenan ,  Mark Edward Bowman

发明人： Sanjeev Dheer ,  Michael Edward Martin ,  William Richard McMichael, JR. ,  Mark T. Harris ,  Juan Carlos Miqueli ,  Brian Corey Sondergaard ,  David Michael Keenan ,  Mark Edward Bowman

IPC分类号： G06Q20/22 ,  G06Q20/40

CPC分类号： G06Q20/24 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/22 ,  G06Q20/227 ,  G06Q20/40

摘要： Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.

公开(公告)号：US20100042539A1

公开(公告)日：2010-02-18

申请号：US12543501

申请日：2009-08-18

申请人： Sanjeev Dheer ,  Krishna Bhagavatula ,  Behram Panthaki

发明人： Sanjeev Dheer ,  Krishna Bhagavatula ,  Behram Panthaki

IPC分类号： G06Q20/00 ,  G06Q40/00

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。

公开(公告)号：US20100042538A1

公开(公告)日：2010-02-18

申请号：US12543497

申请日：2009-08-18

申请人： Sanjeev Dheer ,  Krishna Bhagavatula ,  Behram Panthaki

发明人： Sanjeev Dheer ,  Krishna Bhagavatula ,  Behram Panthaki

IPC分类号： G06Q20/00 ,  G06Q40/00 ,  H04M3/42

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。

公开(公告)号：US20080288376A1

公开(公告)日：2008-11-20

申请号：US12109318

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

IPC分类号： G06Q20/00 ,  G06Q10/00 ,  G06Q40/00 ,  G06Q30/00

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). In another embodiment, a financial management system hosts a “central payment hub” version of the CET service. The central payment hub is an industrial utility in that multiple financial institutions all participate in a central service that can be offered to their respective customers. All of the customers (both individuals and small businesses) of the various institutions come to one consolidated payment hub. For example a Bank of America invoice can come into the payment hub, and a Wells Fargo invoice can come into the payment hub. The payment hub is a shared utility across multiple financial institutions. The payment hub features a single registration at the payment hub across all of the participating financial institutions.

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）。 在另一个实施例中，财务管理系统托管CET服务的“中央支付中心”版本。 中央支付中心是一个工业实用程序，因为多个金融机构都参与可以向其各自客户提供的中央服务。 各机构的所有客户（个人和小型企业）来到一个综合支付中心。 例如，美国银行发票可以进入支付中心，而富国银行的发票可以进入支付中心。 支付中心是跨多个金融机构的共享实用程序。 支付中心在所有参与金融机构的支付中心设有单一注册。

公开(公告)号：US10013665B2

公开(公告)日：2018-07-03

申请号：US15394782

申请日：2016-12-29

申请人： Sanjeev Dheer ,  Christopher Marino ,  Gregory David Smelker ,  Shailesh Arun Alawani ,  Nitesh Gupta

发明人： Sanjeev Dheer ,  Christopher Marino ,  Gregory David Smelker ,  Shailesh Arun Alawani ,  Nitesh Gupta

IPC分类号： G06F3/00 ,  G06F9/44 ,  G06F9/46 ,  G06F13/00 ,  G06Q10/06 ,  G06Q50/00 ,  G06F17/30 ,  H04L29/08 ,  G06F21/62

CPC分类号： G06Q10/0635 ,  G06F16/951 ,  G06F21/6245 ,  G06Q10/06395 ,  G06Q50/01 ,  H04L67/306

摘要： A monitoring and information exchange network (MIEN) system and method are disclosed. The system and method include a network hardware and software platform through which multiple entities can more automatically conduct and manage their relationships and exchange data. Entities include but are not limited to corporate entities. Connections are established and maintained in the network on an individual-to-individual basis. Once connections are established the connection itself is automatically archived along with all communications history, and data exchange history. Documents and data that must regularly be exchanged can be automatically requested and generated.

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

IPC分类号： G06Q30/06 ,  G06Q30/02

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。

公开(公告)号：US20120084205A1

公开(公告)日：2012-04-05

申请号：US13251947

申请日：2011-10-03

申请人： Sanjeev Dheer ,  David Cooper

发明人： Sanjeev Dheer ,  David Cooper

IPC分类号： G06Q40/02

CPC分类号： G06Q20/108

摘要： Embodiments of the person-to-person (P2P) payment system and method described herein include a payor (“sender”) who is a member of a P2P payment network initiating a payment transaction by specifying an identity of a payee (“receiver”) to receive funds and a source value form. The identity of the receiver comprises an email address or a telephone number, to name two examples. The receiver may or may not be in the P2P payment network. The receiver may choose a destination account and destination value form for the funds. The destination account need not be in the P2P network. The destination value form need not be the same as the source value form.

摘要翻译： 本文描述的个人对个人（P2P）支付系统和方法的实施例包括作为通过指定收款人（“接收者”）的身份发起支付交易的P2P支付网络的成员的付款人（“发送者”）， 收到资金和源价值表。 接收机的身份包括电子邮件地址或电话号码，以举例说明两个例子。 接收者可能有也可能不在P2P支付网络中。 接收方可以为资金选择目的地帐户和目的地价值表。 目标帐户不需要在P2P网络中。 目标值表单不必与源值表单相同。