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WO2008011102A3 - Funds transfer method and system including payment enabled invoices - Google Patents

Funds transfer method and system including payment enabled invoices Download PDF

Info

Publication number
WO2008011102A3
WO2008011102A3 PCT/US2007/016371 US2007016371W WO2008011102A3 WO 2008011102 A3 WO2008011102 A3 WO 2008011102A3 US 2007016371 W US2007016371 W US 2007016371W WO 2008011102 A3 WO2008011102 A3 WO 2008011102A3
Authority
WO
WIPO (PCT)
Prior art keywords
invoices
funds
financial
payment
management system
Prior art date
Application number
PCT/US2007/016371
Other languages
French (fr)
Other versions
WO2008011102A2 (en
Inventor
Jeremy Sokolic
Sanjeev Dheer
Behram Pahthaki
Azeem Satar
Aaron Rudenstine
Original Assignee
Cashedge Inc
Jeremy Sokolic
Sanjeev Dheer
Behram Pahthaki
Azeem Satar
Aaron Rudenstine
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Cashedge Inc, Jeremy Sokolic, Sanjeev Dheer, Behram Pahthaki, Azeem Satar, Aaron Rudenstine filed Critical Cashedge Inc
Priority to GB0902839A priority Critical patent/GB2454614A/en
Publication of WO2008011102A2 publication Critical patent/WO2008011102A2/en
Publication of WO2008011102A3 publication Critical patent/WO2008011102A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

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.
PCT/US2007/016371 2006-07-19 2007-07-19 Funds transfer method and system including payment enabled invoices WO2008011102A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB0902839A GB2454614A (en) 2006-07-19 2007-07-19 Funds transfer method and system including payment enabled invoices

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US80779106P 2006-07-19 2006-07-19
US60/807,791 2006-07-19

Publications (2)

Publication Number Publication Date
WO2008011102A2 WO2008011102A2 (en) 2008-01-24
WO2008011102A3 true WO2008011102A3 (en) 2008-12-18

Family

ID=38957369

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/016371 WO2008011102A2 (en) 2006-07-19 2007-07-19 Funds transfer method and system including payment enabled invoices

Country Status (2)

Country Link
GB (1) GB2454614A (en)
WO (1) WO2008011102A2 (en)

Families Citing this family (26)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US10078821B2 (en) 2012-03-07 2018-09-18 Early Warning Services, Llc System and method for securely registering a recipient to a computer-implemented funds transfer payment network
US10318936B2 (en) 2012-03-07 2019-06-11 Early Warning Services, Llc System and method for transferring funds
US10395247B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc Systems and methods for facilitating a secure transaction at a non-financial institution system
US10970688B2 (en) 2012-03-07 2021-04-06 Early Warning Services, Llc System and method for transferring funds
US10839359B2 (en) 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US10832246B2 (en) 2015-03-23 2020-11-10 Early Warning Services, Llc Payment real-time funds availability
US10748127B2 (en) 2015-03-23 2020-08-18 Early Warning Services, Llc Payment real-time funds availability
US10878387B2 (en) 2015-03-23 2020-12-29 Early Warning Services, Llc Real-time determination of funds availability for checks and ACH items
US10769606B2 (en) 2015-03-23 2020-09-08 Early Warning Services, Llc Payment real-time funds availability
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US11151523B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US11151567B2 (en) 2016-09-19 2021-10-19 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
CA3138910A1 (en) 2019-05-15 2020-11-19 Mastercard International Incorporated Method and system for facilitating invoice data, payment credit transfers, real-time package tracking, and account-to-account payment on delivery
US11429476B2 (en) 2021-01-07 2022-08-30 The Toronto-Dominion Bank Method and system for detecting data corruption
US12147985B1 (en) 2022-09-08 2024-11-19 Wells Fargo Bank, N.A. Fund transfer management

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6012035A (en) * 1993-07-08 2000-01-04 Integral Business Services, Inc. System and method for supporting delivery of health care
US6052674A (en) * 1997-12-23 2000-04-18 Information Retrieval Consultants (Europe, Middle East, Africa ) Limited Electronic invoicing and collection system and method with charity donations
US6289322B1 (en) * 1998-03-03 2001-09-11 Checkfree Corporation Electronic bill processing
US6968319B1 (en) * 1996-10-18 2005-11-22 Microsoft Corporation Electronic bill presentment and payment system with bill dispute capabilities

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6012035A (en) * 1993-07-08 2000-01-04 Integral Business Services, Inc. System and method for supporting delivery of health care
US6968319B1 (en) * 1996-10-18 2005-11-22 Microsoft Corporation Electronic bill presentment and payment system with bill dispute capabilities
US6052674A (en) * 1997-12-23 2000-04-18 Information Retrieval Consultants (Europe, Middle East, Africa ) Limited Electronic invoicing and collection system and method with charity donations
US6289322B1 (en) * 1998-03-03 2001-09-11 Checkfree Corporation Electronic bill processing

Also Published As

Publication number Publication date
WO2008011102A2 (en) 2008-01-24
GB2454614A (en) 2009-05-13
GB0902839D0 (en) 2009-04-08

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