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1. 发明申请

WO2011133958A3 INTER-NETWORK INVOICING AND PAYMENT METHOD AND SYSTEM 审中-公开
公开(公告)号：WO2011133958A3
公开(公告)日：2011-10-27
申请号：PCT/US2011/033696
申请日：2011-04-22
申请人： CASHEDGE, INC. , COOPER, David , DHEER, Sanjeev , BHAGAVATULA, Krishna , PALMIERI, Catherine , LOVELETT, John
发明人： COOPER, David , DHEER, Sanjeev , BHAGAVATULA, Krishna , PALMIERI, Catherine , LOVELETT, John
IPC分类号： G06Q20/00
摘要： 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.

2. 发明申请

WO2011081952A1 INTERNETWORKING BETWEEN P2P NETWORKS 审中-公开
标题翻译： P2P网络之间的互联互通
公开(公告)号：WO2011081952A1
公开(公告)日：2011-07-07
申请号：PCT/US2010/060364
申请日：2010-12-14
申请人： CASHEDGE, INC. , DHEER, Sanjeev , PANTHAKI, Behram , BHAGAVATULA, Krishna , COOPER, David , PLATT, Neil , SHAPIRO, Tammi , SMELKER, Greg
发明人： DHEER, Sanjeev , PANTHAKI, Behram , BHAGAVATULA, Krishna , COOPER, David , PLATT, Neil , SHAPIRO, Tammi , SMELKER, Greg
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 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.
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之一; 如果收款人被注册将资金转账到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互联网络支付的任何第二支付网络注册。

3. 发明申请

WO2010022109A1 MONEY MOVEMENT NETWORK HUB SYSTEM 审中-公开
标题翻译：货币运动网络系统
公开(公告)号：WO2010022109A1
公开(公告)日：2010-02-25
申请号：PCT/US2009/054237
申请日：2009-08-18
申请人： CASHEDGE, INC. , DHEER, Sanjeev , BHAGAVATULA, Krishna , PANTHAKI, Behram
发明人： DHEER, Sanjeev , BHAGAVATULA, Krishna , PANTHAKI, Behram
IPC分类号： G06Q20/00
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，转向向客户提供服务以进行付款和付款请求系统和服务允许用户从现有的财务帐户向任何人付款，无需资助特殊帐户并管理与用户关系分离的第三方关系与金融机构有关。该服务进一步允许用户收到付款而不注册第三方服务。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。

4. 发明申请

WO2008011102A2 FUNDS TRANSFER METHOD AND SYSTEM INCLUDING PAYMENT ENABLED INVOICES 审中-公开
标题翻译：基金转移方法和系统，包括付款启用发票
公开(公告)号：WO2008011102A2
公开(公告)日：2008-01-24
申请号：PCT/US2007/016371
申请日：2007-07-19
申请人： CASHEDGE, INC. , SOKOLIC, Jeremy , DHEER, Sanjeev , PAHTHAKI, Behram , SATAR, Azeem , RUDENSTINE, Aaron
发明人： SOKOLIC, Jeremy , DHEER, Sanjeev , PAHTHAKI, Behram , SATAR, Azeem , RUDENSTINE, Aaron
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
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：这里描述的实施例包括代表用户转移资金的财务管理系统。实施例还包括支付使能发票方法和系统，其包括支付应用程序和支付中心，发票实体可通过支付应用程序和支付中心创建和修改发票，支付人可通过支付应用程序和支付中心查看和支付发票。发票实体和付款人不交换由支付启用发票系统秘密持有的财务账户信息。根据资金转移实施例支付发票，其中转账包括执行来自第一金融机构的借记交易的财务管理系统，将借记资金保存在第二金融机构的财务管理系统拥有的中间账户中，并执行信用交易将资金记入第三家金融机构的账户。

5. 发明申请

WO2008134543A1 CENTRALIZED PAYMENT HUB METHOD AND SYSTEM 审中-公开
标题翻译：中央支付方式和系统
公开(公告)号：WO2008134543A1
公开(公告)日：2008-11-06
申请号：PCT/US2008/061620
申请日：2008-04-25
申请人： CASHEDGE, INC. , PANTHAKI, Behram , RUDENSTINE, Aaron , SOKOLIC, Jeremy , SUNDERJI, Amir , DHEER, Sanjeev , PLATT, Neil , PAPADEMETRIOU, Demetris
发明人： PANTHAKI, Behram , RUDENSTINE, Aaron , SOKOLIC, Jeremy , SUNDERJI, Amir , DHEER, Sanjeev , PLATT, Neil , PAPADEMETRIOU, Demetris
IPC分类号： G06Q40/00
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。

6. 发明申请

WO2003061187A1 MULTIPLE TRUST MODES FOR HANDLING DATA 审中-公开
标题翻译：用于处理数据的多种信任模式
公开(公告)号：WO2003061187A1
公开(公告)日：2003-07-24
申请号：PCT/US2003/000664
申请日：2003-01-08
申请人： CASHEDGE INC.
发明人： SOKOLIC, Jeremy, N. , DHEER, Sanjeev , DILIP, Venkatachari
IPC分类号： H04L9/00
CPC分类号： G06F21/6245 , G06Q20/382 , G06Q40/08 , H04L63/083
摘要： A user is presented with multiple modes of operation, such that the multiple modes of operation define different trust options for handling data (such as login credentials or other sensitive data) associated with the user (306). A selection of one of the multiple modes of operation is received from the user (308). Data associated with the user is handled in accordance with the selected mode of operation (310).
摘要翻译：向用户呈现多种操作模式，使得多种操作模式定义用于处理与用户相关联的数据（例如登录凭证或其他敏感数据）的不同信任选项（306）。从用户（308）接收多种操作模式之一的选择。根据所选择的操作模式处理与用户相关联的数据（310）。

7. 发明公开

EP2153395A1 CENTRALIZED PAYMENT HUB METHOD AND SYSTEM 审中-公开
标题翻译：集中支付HUB的方法和系统
公开(公告)号：EP2153395A1
公开(公告)日：2010-02-17
申请号：EP08746939.1
申请日：2008-04-25
申请人： Cashedge, Inc.
发明人： PANTHAKI, Behram , RUDENSTINE, Aaron , SOKOLIC, Jeremy , SUNDERJI, Amir , DHEER, Sanjeev , PLATT, Neil , PAPADEMETRIOU, Demetris
IPC分类号： G06Q40/00
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)=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.

8. 发明公开

EP2335205A1 MONEY MOVEMENT NETWORK HUB SYSTEM 审中-公开
标题翻译：升降机MONEY运动网络
公开(公告)号：EP2335205A1
公开(公告)日：2011-06-22
申请号：EP09808748.9
申请日：2009-08-18
申请人： Cashedge, Inc.
发明人： DHEER, Sanjeev , BHAGAVATULA, Krishna , PANTHAKI, Behram
IPC分类号： G06Q20/00
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.

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