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    INTER-NETWORK INVOICING PAYMENT METHOD AND SYSTEM
    1.
    发明申请
    INTER-NETWORK INVOICING PAYMENT METHOD AND SYSTEM 审中-公开
    互联网发放付款方式和系统

    公开(公告)号：US20110264583A1

    公开(公告)日：2011-10-27

    申请号：US13092908

    申请日：2011-04-22

    Applicant: David Cooper ,  Sanjeev Dheer ,  Krishna Bhagavatula ,  Catherine Palmieri ,  John Lovelett

    Inventor： David Cooper ,  Sanjeev Dheer ,  Krishna Bhagavatula ,  Catherine Palmieri ,  John Lovelett

    IPC: G06Q20/00 ,  G06Q40/00

    CPC classification number: G06Q20/32 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q30/04

    Abstract: An inter-bank email and mobile invoicing network is disclosed. Embodiments disclosed herein include an inter-bank email and mobile invoicing network that enables customers of banks or independent portals to send invoices to an email address or mobile phone number. The invoice can be received by the recipient within their bank's online or mobile banking site, in the case of banks that belong to a network that is managed by the proprietors of a financial management system and payment hub as disclosed herein. These banks will be referred to as “network banks” herein. The inter-bank invoicing network also refers to a common provider or connected providers of an invoicing and payment service that is linked to banks and to independent service providers.

    Abstract translation: 披露了银行间电子邮件和移动发票网络。 本文公开的实施例包括银行间电子邮件和移动发票网络，其使得银行或独立门户的客户能够将发票发送到电子邮件地址或移动电话号码。 如果属于由本文所披露的财务管理系统和支付中心的所有者管理的网络的银行，收款人可以在其银行的在线或移动银行网站收到发票。 这些银行在这里被称为“网银”。 银行间发票网络还指与银行和独立服务提供商相关联的发票和付款服务的通用提供商或连接的提供商。

    DISCONNECTED PERSON-TO-PERSON PAYMENT SYSTEM AND METHOD INCLUDING INDEPENDENT PAYOR AND PAYEE DIRECTION FOR VALUE SOURCE AND DESTINATION
    2.
    发明申请
    DISCONNECTED PERSON-TO-PERSON PAYMENT SYSTEM AND METHOD INCLUDING INDEPENDENT PAYOR AND PAYEE DIRECTION FOR VALUE SOURCE AND DESTINATION 审中-公开
    不连续的个人付款系统和方法，包括独立付款人和支付方式，用于价值来源和目的地

    公开(公告)号：US20120084205A1

    公开(公告)日：2012-04-05

    申请号：US13251947

    申请日：2011-10-03

    Applicant: Sanjeev Dheer ,  David Cooper

    Inventor： Sanjeev Dheer ,  David Cooper

    IPC: G06Q40/02

    CPC classification number: G06Q20/108

    Abstract: 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.

    Abstract translation: 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。

    Internetworking Between P2P Networks
    3.
    发明申请
    Internetworking Between P2P Networks 审中-公开
    P2P网络之间的互联

    公开(公告)号：US20110313921A1

    公开(公告)日：2011-12-22

    申请号：US12968189

    申请日：2010-12-14

    Applicant: Sanjeev Dheer ,  Behram Panthaki ,  Krishna Bhagavatula ,  David Cooper ,  Neil Platt ,  Tammi Shapiro ,  Gregg Smelker

    Inventor： Sanjeev Dheer ,  Behram Panthaki ,  Krishna Bhagavatula ,  David Cooper ,  Neil Platt ,  Tammi Shapiro ,  Gregg Smelker

    IPC: G06Q40/00

    CPC classification number: G06Q20/223 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q20/425 ,  G06Q40/02

    Abstract: 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.

    Abstract translation: 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。

    Method and apparatus for implementing financial transactions
    4.
    发明授权
    Method and apparatus for implementing financial transactions 失效
    实施金融交易的方法和手段

    公开(公告)号：US07321874B2

    公开(公告)日：2008-01-22

    申请号：US11698468

    申请日：2007-01-25

    Applicant: Venkatachari Dilip ,  Sanjeev Dheer

    Inventor： Venkatachari Dilip ,  Sanjeev Dheer

    IPC: G06Q40/00

    CPC classification number: G06Q40/02 ,  G06Q20/023 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/108 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q40/00 ,  G06Q40/04

    Abstract: A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second financial institution. The first account and the second account have a common account holder. The withdrawal and deposit of assets may be initiated after analyzing multiple accounts of the account holder and determining whether an adjustment of funds among the multiple accounts would benefit the account holder. A debit instruction is used to initiate the withdrawal of assets and a credit instruction is used to initiate the deposit of the withdrawn assets. The withdrawal and deposit of assets can be implemented using one or more payment networks, debit networks, or a wire transfer between the two financial institutions.

    Abstract translation: 从第一家金融机构的第一个账户开始提取资产。 从第一个帐户提取的资产的存款发起到第二个金融机构的第二个账户。 第一个帐户和第二个帐户有一个共同的账户持有人。 在分析账户持有人的多个账户并确定多个账户之间的资金调整是否会使账户持有者受益的情况下，可以启动资产的提取和存入。 借记指示用于启动资产的提取，信用证指示用于启动已撤回资产的存款。 可以使用一个或多个支付网络，借记网络或两个金融机构之间的电汇来实施资产的提取和存款。

    Multi-channel transaction system for transferring assets between accounts at different financial institutions
    5.
    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

    Applicant: Sanjeev Dheer ,  Jeremy Sokolic ,  Amir Sunderji ,  Behram Panthaki

    Inventor： Sanjeev Dheer ,  Jeremy Sokolic ,  Amir Sunderji ,  Behram Panthaki

    IPC: G06Q40/00

    CPC classification number: G06Q20/04 ,  G06Q20/10 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/40 ,  G06Q40/02

    Abstract: 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.

    Abstract translation: 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。

    SYSTEMS AND METHODS FOR PERFORMING FINANCIAL TRANSACTIONS
    7.
    发明申请
    SYSTEMS AND METHODS FOR PERFORMING FINANCIAL TRANSACTIONS 审中-公开
    执行财务交易的制度和方法

    公开(公告)号：US20140067670A1

    公开(公告)日：2014-03-06

    申请号：US13601467

    申请日：2012-08-31

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

    Inventor： 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: G06Q20/22 ,  G06Q20/40

    CPC classification number: G06Q20/40 ,  G06Q20/4016

    Abstract: 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.

    Abstract translation: 可以代表请求者接收与金融交易相关联的请求。 可以根据与请求相关联的信息来识别要扣除的至少一个金融账户和与金融交易有关的至少一个金融账户。 可以识别提供对财务帐户的访问的相应支付网络。 一个或多个财务账户可以通过相应的支付网络实时访问。 相应的借记或信用指令可以被发送到每个所识别的支付网络，以将借方或信用记录到相应的金融账户。 可以接收相应的借方和/或信用状态信息，并且可以生成和发送各种状态指示，潜在地用于呈现给请求者。

    METHOD AND APPARATUS FOR DELEGATING AUTHORITY
    8.
    发明申请
    METHOD AND APPARATUS FOR DELEGATING AUTHORITY 审中-公开
    删除权限的方法和装置

    公开(公告)号：US20120089500A1

    公开(公告)日：2012-04-12

    申请号：US13328804

    申请日：2011-12-16

    Applicant: Sanjeev Dheer ,  Venkatachari Dilip ,  Roy Messing ,  Jeremy Sokolic ,  Manu Sareen ,  Gautam Sinha

    Inventor： Sanjeev Dheer ,  Venkatachari Dilip ,  Roy Messing ,  Jeremy Sokolic ,  Manu Sareen ,  Gautam Sinha

    IPC: G06Q40/02

    CPC classification number: G06Q40/02 ,  G06F16/957 ,  G06Q40/00 ,  G06Q40/06

    Abstract: A delegated authority system allows an account holder to delegate authority to one or more individuals, such as financial advisors through a third party service. An individual receives authority to access financial accounts and/or access aggregated financial data. The individual may then retrieve account information from the individual accounts or from the aggregated financial data. In on exemplary system, the account information is accessed via the Internet or another data communication network.

    Abstract translation: 授权制度允许帐户持有者通过第三方服务将权力授予一个或多个个人，如财务顾问。 个人获得访问财务帐户和/或访问汇总的财务数据的权限。 然后，个人可以从个人帐户或从汇总的财务数据中检索帐户信息。 在示例性系统中，通过因特网或另一数据通信网络访问帐户信息。

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