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1. 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。

2. 发明申请

WO2009135225A1 MULTI-PRODUCT-MULTI-CHANNEL PAYMENT PLATFORM SYSTEM AND METHOD 审中-公开
标题翻译：多产品多通道支付平台系统及方法
公开(公告)号：WO2009135225A1
公开(公告)日：2009-11-05
申请号：PCT/US2009/042757
申请日：2009-05-04
申请人： CASHEDGE, INC. , PANTHAKI, Behram , BHAGAVATULA, Krishna , BOWMAN, Richard , BHATIA, Vishal , PARIAL, Diya , ALI, Nash , SUNDERJI, Amir , SOKOLIC, Jeremy , ZHANG, Yonghui
发明人： PANTHAKI, Behram , BHAGAVATULA, Krishna , BOWMAN, Richard , BHATIA, Vishal , PARIAL, Diya , ALI, Nash , SUNDERJI, Amir , SOKOLIC, Jeremy , ZHANG, Yonghui
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/40
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：这里描述的是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。不同类型的金融账户被建立在财务管理系统中，以实现类型的在线电子资金转账以前没有可能的交易。所公开的系统和装置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财务账户和/或产品，例如在一段时间内可以存入或撤回多少钱。

3. 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。

4. 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。

5. 发明申请

WO2009092114A1 REAL-TIME SETTLEMENT OF FINANCIAL TRANSACTIONS USING ELECTRONIC FUND TRANSFER NETWORKS 审中-公开
标题翻译：使用电子基金转账网络实时结算金融交易
公开(公告)号：WO2009092114A1
公开(公告)日：2009-07-23
申请号：PCT/US2009/031602
申请日：2009-01-21
申请人： CASHEDGE INC. , PANTHAKI, Behram , SOKOLIC, Jeremy, N. , PAPADEMETRIOU, Demetris , SUNDERJI, Amir
发明人： PANTHAKI, Behram , SOKOLIC, Jeremy, N. , PAPADEMETRIOU, Demetris , SUNDERJI, Amir
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。账户用户可以实时选择交易和标准交易。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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