WO2006076503A3 - Pre-funding system and method - Google Patents

Pre-funding system and method Download PDF

Info

Publication number
WO2006076503A3
WO2006076503A3 PCT/US2006/001105 US2006001105W WO2006076503A3 WO 2006076503 A3 WO2006076503 A3 WO 2006076503A3 US 2006001105 W US2006001105 W US 2006001105W WO 2006076503 A3 WO2006076503 A3 WO 2006076503A3
Authority
WO
WIPO (PCT)
Prior art keywords
financial institution
funds
transfer request
fund authorization
authorization requests
Prior art date
Application number
PCT/US2006/001105
Other languages
French (fr)
Other versions
WO2006076503A2 (en
Inventor
William Reid
Keiron G Lynch
Craig Swackhammer
Marita Kathrina Novak
L Ted Martinez
John M Bryant
Original Assignee
Visa Int Service Ass
William Reid
Keiron G Lynch
Craig Swackhammer
Marita Kathrina Novak
L Ted Martinez
John M Bryant
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 Visa Int Service Ass, William Reid, Keiron G Lynch, Craig Swackhammer, Marita Kathrina Novak, L Ted Martinez, John M Bryant filed Critical Visa Int Service Ass
Publication of WO2006076503A2 publication Critical patent/WO2006076503A2/en
Publication of WO2006076503A3 publication Critical patent/WO2006076503A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q40/06—Asset management; Financial planning or analysis

Abstract

A method for pre-funding is disclosed. The method includes sending a plurality of pre-fund authorization requests to a buyer financial institution, and then receiving a plurality of responses to the pre-fund authorization requests from the buyer financial institution, where each response either accepts or declines a pre fund authorization request. A funds transfer request is sent to the buyer financial institution, where the funds transfer request corresponds to a total value of the accepted pre-fund authorization requests. Notification that funds have transferred from the buyer financial institution in response to the funds transfer request is received. Then, the sending of the funds to a supplier financial institution is authorized.
PCT/US2006/001105 2005-01-12 2006-01-12 Pre-funding system and method WO2006076503A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/034,667 2005-01-12
US11/034,667 US7711639B2 (en) 2005-01-12 2005-01-12 Pre-funding system and method

Publications (2)

Publication Number Publication Date
WO2006076503A2 WO2006076503A2 (en) 2006-07-20
WO2006076503A3 true WO2006076503A3 (en) 2007-10-18

Family

ID=36654424

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/001105 WO2006076503A2 (en) 2005-01-12 2006-01-12 Pre-funding system and method

Country Status (2)

Country Link
US (2) US7711639B2 (en)
WO (1) WO2006076503A2 (en)

Families Citing this family (66)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7536350B1 (en) 1998-10-21 2009-05-19 Island Intellectual Property Llc Systems and methods for providing enhanced account management services for multiple banks
US7680734B1 (en) 1998-10-21 2010-03-16 Island Intellectual Property Llc Money fund banking system
US7668772B1 (en) 1998-10-21 2010-02-23 Island Intellectual Property Llc Systems and methods for money fund banking with flexible interest allocation
US7752129B2 (en) * 1998-10-21 2010-07-06 Island Intellectual Property Llc Systems and methods for managing client accounts
US7519551B2 (en) * 1998-10-21 2009-04-14 Island Intellectual Property Llc Systems and methods for administering return sweep accounts
US6374231B1 (en) 1998-10-21 2002-04-16 Bruce Bent Money fund banking system
US7509286B1 (en) 1998-10-21 2009-03-24 Reserve Management Corporation Systems and methods for money fund banking with flexible interest allocation
US8150766B1 (en) 2003-01-27 2012-04-03 Island Intellectual Property Llc System and method for investing public deposits
US7702916B2 (en) 2003-03-31 2010-04-20 Visa U.S.A. Inc. Method and system for secure authentication
US7711639B2 (en) 2005-01-12 2010-05-04 Visa International Pre-funding system and method
US7930235B2 (en) * 2005-01-14 2011-04-19 Perry J Scott Agency payment system
US7482925B2 (en) * 2005-06-24 2009-01-27 Visa U.S.A. Apparatus and method to electromagnetically shield portable consumer devices
US8504451B2 (en) * 2006-11-16 2013-08-06 Visa U.S.A. Inc. Method and system using candidate dynamic data elements
US10346837B2 (en) * 2006-11-16 2019-07-09 Visa U.S.A. Inc. Adaptive authentication options
US8175961B2 (en) * 2006-11-17 2012-05-08 Visa International Service Association Method and system for using payment history for conducting commercial transactions
US8615426B2 (en) 2006-12-26 2013-12-24 Visa U.S.A. Inc. Coupon offers from multiple entities
CN101647040A (en) 2006-12-26 2010-02-10 维萨美国股份有限公司 Mobile payment system and method using alias
US9940627B2 (en) 2006-12-26 2018-04-10 Visa U.S.A. Inc. Mobile coupon method and system
CA2674819A1 (en) 2007-01-09 2008-07-17 Visa U.S.A. Inc. Mobile phone payment process including threshold indicator
US8260705B1 (en) 2007-02-28 2012-09-04 Island Intellectual Property Llc Systems, methods and program products for deposit and withdrawal processing
US7752107B1 (en) 2007-02-28 2010-07-06 Island Intellectual Property Llc System and method for managing aggregated accounts
US8032456B1 (en) 2008-02-11 2011-10-04 Island Intellectual Property Llc System, methods and program products for processing for a self clearing broker dealer
US8380621B1 (en) 2007-02-28 2013-02-19 Island Intellectual Property Llc Systems, methods and program products for swap processing for uninsured accounts
US8165938B2 (en) * 2007-06-04 2012-04-24 Visa U.S.A. Inc. Prepaid card fraud and risk management
US8146806B2 (en) * 2007-06-04 2012-04-03 Visa U.S.A. Inc. Prepaid negative balance fee processing and fee diversion
US7627522B2 (en) 2007-06-04 2009-12-01 Visa U.S.A. Inc. System, apparatus and methods for comparing fraud parameters for application during prepaid card enrollment and transactions
US8290832B2 (en) * 2007-06-04 2012-10-16 Visa U.S.A. Inc. Method and system for handling returned prepaid payment cards
US7860790B2 (en) * 2007-06-04 2010-12-28 Visa U.S.A. Inc. Systems and methods for automatic migration of a consumer between financial accounts
US7809637B2 (en) * 2007-06-04 2010-10-05 Visa U.S.A. Inc. Portability of financial tokens
US8604995B2 (en) * 2007-06-11 2013-12-10 Visa U.S.A. Inc. Shielding of portable consumer device
US20090063334A1 (en) * 2007-08-28 2009-03-05 Alistair Duncan Business-to-business transaction processing utilizing electronic payment network
US9292850B2 (en) * 2007-09-10 2016-03-22 Visa U.S.A. Inc. Host capture
US8170527B2 (en) 2007-09-26 2012-05-01 Visa U.S.A. Inc. Real-time balance on a mobile phone
US8038068B2 (en) 2007-11-28 2011-10-18 Visa U.S.A. Inc. Multifunction removable cover for portable payment device
US9715709B2 (en) 2008-05-09 2017-07-25 Visa International Services Association Communication device including multi-part alias identifier
US9542687B2 (en) 2008-06-26 2017-01-10 Visa International Service Association Systems and methods for visual representation of offers
US8219489B2 (en) 2008-07-29 2012-07-10 Visa U.S.A. Inc. Transaction processing using a global unique identifier
US8977567B2 (en) 2008-09-22 2015-03-10 Visa International Service Association Recordation of electronic payment transaction information
US9824355B2 (en) 2008-09-22 2017-11-21 Visa International Service Association Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
US10706402B2 (en) 2008-09-22 2020-07-07 Visa International Service Association Over the air update of payment transaction data stored in secure memory
US20110208550A1 (en) * 2008-10-07 2011-08-25 Codapay Reverse payment transaction system and method
US20100276484A1 (en) * 2009-05-01 2010-11-04 Ashim Banerjee Staged transaction token for merchant rating
US8781931B1 (en) 2009-05-26 2014-07-15 Island Intellectual Property Llc Method and system for allocating deposits over a plurality of depository institutions
US8352342B1 (en) 2009-06-19 2013-01-08 Island Intellectual Property Llc Method and system for determining fees for deposits allocated over a plurality of deposit institutions
US8370236B1 (en) 2009-11-24 2013-02-05 Island Intellectual Property Llc Method and system for allocating funds over a plurality of time deposit instruments in depository institutions
US20110208649A1 (en) * 2010-02-25 2011-08-25 Tilono Corporation, a Delaware Corporation Invoice system and method
US20110208641A1 (en) * 2010-02-25 2011-08-25 Tilono Corporation, a Delaware Corporation Honorary payment system and method
US20110208642A1 (en) * 2010-02-25 2011-08-25 Tilono Corporation, a Delaware Corporation Transaction scoring system and method
US20110208612A1 (en) * 2010-02-25 2011-08-25 Tilono Corporation, a Delaware Corporation Electronic payment system and method
US8275699B2 (en) * 2010-02-25 2012-09-25 Paynearme, Inc. Honorary credit system and method
US8458089B1 (en) 2010-06-14 2013-06-04 Island Intellectual Property Llc System, method and program product for administering fund movements using depository institution groups
US8583545B1 (en) 2010-09-20 2013-11-12 Island Intellectual Property Llc Systems and methods for money fund banking with flexible interest allocation
US10692081B2 (en) * 2010-12-31 2020-06-23 Mastercard International Incorporated Local management of payment transactions
US10592792B2 (en) 2011-04-14 2020-03-17 Handle Financial, Inc. Systems and methods for barcode translation
US20130006785A1 (en) * 2011-07-01 2013-01-03 Richard Scott Perkins System and method to facilitate settlement of a transaction
US8452702B1 (en) 2011-09-08 2013-05-28 Island Intellectual Property Llc System, method and program product for minimizing fund movements
US8655689B1 (en) 2011-10-13 2014-02-18 Island Intellectual Property Llc System, method and program product for modeling fund movements
US9626701B2 (en) 2012-05-23 2017-04-18 Paynearme, Inc. System and method for facilitating cash payment transactions using a mobile device
US10380564B1 (en) 2013-12-05 2019-08-13 Square, Inc. Merchant performed banking-type transactions
US10192407B2 (en) 2014-01-10 2019-01-29 Handle Financial, Inc. Systems and methods for cash payments for online gaming
US20160180458A1 (en) * 2014-12-18 2016-06-23 Trading Technologies International Inc. Multi-party trade order entry
US9374370B1 (en) 2015-01-23 2016-06-21 Island Intellectual Property, Llc Invariant biohash security system and method
US10839378B1 (en) * 2016-01-12 2020-11-17 21, Inc. Systems and methods for performing device authentication operations using cryptocurrency transactions
US11023873B1 (en) * 2017-03-31 2021-06-01 Square, Inc. Resources for peer-to-peer messaging
US10453056B2 (en) 2017-06-29 2019-10-22 Square, Inc. Secure account creation
US11087324B2 (en) 2019-06-20 2021-08-10 Bank Of America Corporation Pre-authorized secure resource allocation system

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030093367A1 (en) * 2001-11-15 2003-05-15 First Data Corporation Online incremental payment method
US20040030647A1 (en) * 2001-03-31 2004-02-12 First Data Corporation Staged transactions systems and methods
US20040049449A1 (en) * 2002-09-11 2004-03-11 Martinelli Rolando H. Electronic trading system and method for accounts receivables and payables

Family Cites Families (226)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE2350418A1 (en) 1973-10-08 1975-04-10 Gretag Ag PROCEDURE AND EQUIPMENT FOR CREATING AND EVALUATING FALSE-PROOF MACHINELY READABLE PAYMENT RECEIPTS
JPS5099799A (en) * 1973-12-29 1975-08-07
US4116469A (en) 1977-08-08 1978-09-26 Harriman Russell H Combined payment and receipt form and method of using
CH640649A5 (en) 1979-01-31 1984-01-13 Landis & Gyr Ag Device for cash payment lots of goods or services.
USD263638S (en) * 1979-05-14 1982-03-30 American Payment Centers, Inc. Payment deposit cabinet
JPS55156148A (en) * 1979-05-25 1980-12-04 Laurel Bank Mach Co Ltd Automatic delivery machine
FR2484674A1 (en) 1980-06-11 1981-12-18 Flonic Sa PREPAIDING MACHINE AND ASSOCIATED DEVICE FOR COLLECTING THE CURRENCY COLLECTED BY THIS MACHINE
US4480737A (en) 1981-03-12 1984-11-06 Ara Services, Inc. Apparatus for recognizing, crushing separating, weighing and making payment for, used metal items, particularly aluminum cans
US4360727A (en) 1981-04-09 1982-11-23 Compagnie Generale d'Automatise Societe Anonyme dite Payment voucher
US4370649A (en) * 1981-05-19 1983-01-25 Fuerle Gerard A Payment responsive data display network
SE432041B (en) * 1982-09-07 1984-03-12 Kurt Katzeff DEVICE WITH A PAYMENT CARD USING A PAYMENT SYSTEM
JPS59109972A (en) 1982-12-14 1984-06-25 Omron Tateisi Electronics Co Transaction processing device
FR2541019B1 (en) * 1983-02-10 1986-07-18 Mecelec Sa OPTICAL METHOD FOR DETERMINING THE DIMENSIONS OF A RELATIVE MOVING OBJECT, AND MORE PARTICULARLY A COIN IN A PRE-PAYMENT APPARATUS, AND DEVICE FOR IMPLEMENTING IT
USD290954S (en) 1985-07-05 1987-07-21 Northern Telecom Limited Housing for credit card payment telephone
US4713761A (en) 1985-07-18 1987-12-15 Pitney Bowes, Inc. System for centralized processing of accounting and payment functions
US5222018A (en) 1985-07-18 1993-06-22 Pitney Bowes Inc. System for centralized processing of accounting and payment functions
FR2591007B1 (en) * 1985-12-02 1988-02-19 Remery Patrick ELECTRONIC PAYMENT METHOD USING A MEMORY CARD
US4675515A (en) * 1986-03-04 1987-06-23 Lucero James L Drive-through credit card payment device
JPH0719308B2 (en) * 1986-03-27 1995-03-06 株式会社テック Sales registration device
US4796193A (en) * 1986-07-07 1989-01-03 Pitney Bowes Inc. Postage payment system where accounting for postage payment occurs at a time subsequent to the printing of the postage and employing a visual marking imprinted on the mailpiece to show that accounting has occurred
US5375172A (en) 1986-07-07 1994-12-20 Chrosny; Wojciech M. Postage payment system employing encryption techniques and accounting for postage payment at a time subsequent to the printing of postage
FR2601838A1 (en) * 1986-07-18 1988-01-22 Richer Louis PAYMENT SYSTEM FOR TELEPHONE COMMUNICATIONS IN A PRIVATE PABX
US4972463A (en) 1986-09-15 1990-11-20 Norand Corporation In-store multiple device communications unit and centralized data system utilizing same
US4799156A (en) * 1986-10-01 1989-01-17 Strategic Processing Corporation Interactive market management system
FR2605431B1 (en) 1986-10-16 1988-12-02 France Etat ELECTRONIC PAYMENT METHOD USING A MEMORY CARD
JPS63118896A (en) * 1986-11-06 1988-05-23 オムロン株式会社 Clearance terminal
US4858121A (en) 1986-12-12 1989-08-15 Medical Payment Systems, Incorporated Medical payment system
FR2611954B1 (en) * 1987-03-02 1992-02-14 Crouzet Sa UNIVERSAL BASE FOR ELECTRONIC PAYMENT TERMINAL
FR2613511B1 (en) 1987-03-30 1991-04-05 Crouzet Sa PAYMENT MACHINE ISSUING A PROOF
USD304725S (en) 1987-12-16 1989-11-21 GEC Plessy Telecommunications Ltd. Public pay telephone stand with alternative payment means
US4890228A (en) 1988-01-21 1989-12-26 Beneficial Management Corporation Of America Electronic income tax refund early payment system
US5193057A (en) * 1988-01-21 1993-03-09 Beneficial Franchise Company Inc. Electronic income tax refund early payment system with means for creating of a new deposit account for receipt of an electronically transferred refund from the irs
US4974878A (en) 1988-04-20 1990-12-04 Remittance Technology Corporation Financial data processing system using payment coupons
ES2009608A6 (en) 1988-05-31 1989-10-01 Jofemar Sa Coin operated telephone payment device
US4860946A (en) 1988-06-29 1989-08-29 Moore Business Forms, Inc. Invoice form with card and envelope
US5258906A (en) 1988-07-13 1993-11-02 Vital Heart Systems, Inc. System for remotely authorizing operation of a device and for automatically generating an invoice based on device usage
US4947028A (en) 1988-07-19 1990-08-07 Arbor International, Inc. Automated order and payment system
US5007084A (en) * 1988-08-29 1991-04-09 Richard H. Materna Payment Authorization and Information Device
US4906826A (en) * 1988-09-19 1990-03-06 Visa International Service Association Usage promotion method for payment card transaction system
EP0372103A1 (en) 1988-12-05 1990-06-13 Scheidt & Bachmann Gmbh Method for actuating product and/or service vending machines, and matching vending machine
FR2643529B1 (en) 1989-02-22 1991-06-07 Kudelski Sa Fabr Enregistr Nag PAID TELEVISION SYSTEM USING A MEMORY CARD ASSOCIATED WITH A DECODER
US5291304A (en) * 1989-04-18 1994-03-01 Murata Kikai Kabushiki Kaisha Facsimile apparatus having invoice sentence preparation function
JP2890452B2 (en) * 1989-04-21 1999-05-17 株式会社日立製作所 Deposit and withdrawal reservation system and equipment for it
FR2653248B1 (en) 1989-10-13 1991-12-20 Gemolus Card International PAYMENT OR INFORMATION TRANSFER SYSTEM BY ELECTRONIC MEMORY CARD.
SE464054B (en) * 1989-12-06 1991-02-25 Modul Elektronik Ab DEVICE AT ATM
US5870724A (en) * 1989-12-08 1999-02-09 Online Resources & Communications Corporation Targeting advertising in a home retail banking delivery service
FR2660771B1 (en) 1990-04-05 1992-07-24 Bernard Alain TELEPHONE PAYMENT SYSTEM.
US5623547A (en) 1990-04-12 1997-04-22 Jonhig Limited Value transfer system
US5620182A (en) * 1990-08-22 1997-04-15 Rossides; Michael T. Expected value payment method and system for reducing the expected per unit costs of paying and/or receiving a given ammount of a commodity
US5085435A (en) 1990-08-22 1992-02-04 Rossides Michael T Method of using a random number supplier for the purpose of reducing currency handling
DE9013392U1 (en) * 1990-09-21 1991-04-25 Siemens Nixdorf Informationssysteme Ag, 4790 Paderborn, De
US5387784A (en) * 1990-10-30 1995-02-07 Societe D'applications Generales D'electricite Et De Mecanique Sagem Portable payment terminals and network for such terminals
US5225977A (en) 1991-03-18 1993-07-06 Hooper John B Card payment system for service dispensing devices
FR2674976B1 (en) * 1991-04-03 1993-06-11 France Telecom ELECTRONIC PAYMENT METHOD WITH CHIP CARD USING NUMBERED TOKENS FOR DETECTION OF FRAUD.
US5783808A (en) 1996-01-11 1998-07-21 J. D. Carreker And Associates, Inc. Electronic check presentment system having transaction level reconciliation capability
US5237159A (en) 1991-07-17 1993-08-17 J. D. Carreker And Associates Electronic check presentment system
US5691524A (en) 1991-07-17 1997-11-25 J.D. Carreker And Associates, Inc. Electronic check presentment system having a non-ECP exceptions notification system incorporated therein
US5383113A (en) * 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
US5216620A (en) 1991-09-23 1993-06-01 Pitney Bowes Inc. Requesting, reporting and verification system and method for mail carrier payment
US5359509A (en) 1991-10-31 1994-10-25 United Healthcare Corporation Health care payment adjudication and review system
US5453601A (en) 1991-11-15 1995-09-26 Citibank, N.A. Electronic-monetary system
US6006199A (en) 1991-12-31 1999-12-21 International Business Machines Corporation Method and system for automated payment within a computer integrated manufacturing system
US5255182A (en) 1992-01-31 1993-10-19 Visa International Service Association Payment card point-of-sale service quality monitoring system, apparatus, and method
US5232399A (en) * 1992-03-11 1993-08-03 Atoll Technology Devices for the separation of coins, token and the like
US5359183A (en) 1992-04-06 1994-10-25 Rafael Skodlar Payment card with display
US5297030A (en) * 1992-04-08 1994-03-22 Ncr Corporation Method using bill and coin images on a touch screen for processing payment for merchandise items
JP2659896B2 (en) 1992-04-29 1997-09-30 インターナショナル・ビジネス・マシーンズ・コーポレイション Structured document copy management method and structured document copy management device
US5754655A (en) * 1992-05-26 1998-05-19 Hughes; Thomas S. System for remote purchase payment and remote bill payment transactions
US5336870A (en) 1992-05-26 1994-08-09 Hughes Thomas S System for remote purchase payment transactions and remote bill payments
US5491325A (en) * 1992-08-25 1996-02-13 Huang; Dorge O. Method and system for payment and payment verification
US5424938A (en) 1992-10-13 1995-06-13 First Chicago Corporation Method and apparatus for providing access to a plurality of payment networks
US5504677A (en) * 1992-10-15 1996-04-02 Pollin; Robert E. Automated payment system
US5966698A (en) 1992-10-15 1999-10-12 Pollin; Robert E. Automated payment system and method
US5297674A (en) * 1992-11-04 1994-03-29 Fellowes Manufacturing Company Molded bill payment center container with removable trays
US5289923A (en) * 1992-11-23 1994-03-01 Atlantic Richfield Company Stacker for electronic payment system key pad and printer
US5284253A (en) * 1992-11-25 1994-02-08 Atlantic Richfield Company Stacker for electronic payment system key pads
CH685891A5 (en) 1993-01-18 1995-10-31 Ascom Autelca Ag A method as security concept to prevent unauthorized use of a payment instrument for cashless settling on imprest
US5983207A (en) 1993-02-10 1999-11-09 Turk; James J. Electronic cash eliminating payment risk
GB2290157A (en) 1993-02-10 1995-12-13 James J Turk Method and system for commodity-based currency for payment of accounts
US5412886A (en) * 1993-03-24 1995-05-09 Quinn; Maureen T. Calendar oriented monthly bill payment sorter
US5637846A (en) 1993-05-14 1997-06-10 Ahold Retail Services Ag Method and apparatus for electronic payment by a client in a self-service store
FR2705481B1 (en) 1993-05-19 1995-06-30 Schlumberger Ind Sa Device for the selection and delivery of a service against payment.
FR2706057B1 (en) * 1993-06-02 1995-08-11 Schlumberger Ind Sa Device for sorting and storing objects introduced as payment in a dispenser.
FR2706056B1 (en) 1993-06-04 1995-08-11 Decaux Jean Claude Payment system for transport network.
US5794207A (en) 1996-09-04 1998-08-11 Walker Asset Management Limited Partnership Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers
FR2709582B1 (en) 1993-09-02 1995-09-29 Gemplus Card Int Electronic payment method, in particular by means of a smart card.
DE69306392T3 (en) * 1993-10-18 2006-07-27 Gemplus Slot machine with electronic coin validator
US5583759A (en) 1993-11-22 1996-12-10 Huntington Bancshares, Inc. Mechanism for expediting the deposit, transport and submission of checks into the payment system
US5930778A (en) 1993-11-22 1999-07-27 Huntington Bancshares Incorporated System for expediting the clearing of financial instruments and coordinating the same with invoice processing at the point of receipt
JP3367675B2 (en) * 1993-12-16 2003-01-14 オープン マーケット インコーポレイテッド Open network sales system and method for real-time approval of transaction transactions
GB9401924D0 (en) * 1994-02-01 1994-03-30 Jonhig Ltd System for road toll payment
US5870456A (en) * 1997-01-22 1999-02-09 Telepay, Inc. Automated interactive bill payment system using debit cards
US5715298A (en) * 1996-05-16 1998-02-03 Telepay Automated interactive bill payment system using debit cards
AU1735195A (en) 1994-02-14 1995-08-29 Telepay, Inc. Automated interactive bill payment system
US5403025A (en) * 1994-03-03 1995-04-04 Shanley; Thomas M. Partially preprinted, service invoice record forms, having piggyback vinyl status
FR2717597B1 (en) 1994-03-16 1996-04-12 Gemplus Card Int Game machine with statutory mechanical counters and electronic coin operated.
US5655023A (en) 1994-05-13 1997-08-05 Pitney Bowes Inc. Advanced postage payment system employing pre-computed digital tokens and with enhanced security
US5586036A (en) 1994-07-05 1996-12-17 Pitney Bowes Inc. Postage payment system with security for sensitive mailer data and enhanced carrier data functionality
NL9401406A (en) * 1994-08-31 1996-04-01 Nederland Ptt Payment system with improved integrity.
US5826241A (en) 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
FI100083B (en) 1994-09-20 1997-09-15 Nokia Mobile Phones Ltd The terminal
US5590196A (en) 1994-10-06 1996-12-31 Connotech Experts Conseils Inc. Secure payment method using facsimile
US5717989A (en) * 1994-10-13 1998-02-10 Full Service Trade System Ltd. Full service trade system
US5715314A (en) 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US6073104A (en) 1994-11-09 2000-06-06 Field; Richard G. System for invoice record management and asset-backed commercial paper program management
US5479510A (en) 1994-11-15 1995-12-26 Olsen; Kurt B. Automated data card payment verification method
US6230148B1 (en) 1994-11-28 2001-05-08 Veristar Corporation Tokenless biometric electric check transaction
US5591949A (en) * 1995-01-06 1997-01-07 Bernstein; Robert J. Automatic portable account controller for remotely arranging for payment of debt to a vendor
US5704045A (en) 1995-01-09 1997-12-30 King; Douglas L. System and method of risk transfer and risk diversification including means to assure with assurance of timely payment and segregation of the interests of capital
US5717868A (en) * 1995-03-07 1998-02-10 Huntington Bancshares Inc. Electronic payment interchange concentrator
JP3343771B2 (en) 1995-03-13 2002-11-11 株式会社東芝 Electronic payment device and electronic payment determination method
US5590197A (en) 1995-04-04 1996-12-31 V-One Corporation Electronic payment system and method
US5614892A (en) * 1995-04-24 1997-03-25 Pom, Inc. Payment slot communicating apparatus for vendng prices
US5826247A (en) 1996-04-09 1998-10-20 Pitney Bowes Inc. Closed loop transaction based mail accounting and payment system with carrier payment through a third party initiated by mailing information release
US5675650A (en) 1995-05-02 1997-10-07 Pitney Bowes Inc. Controlled acceptance mail payment and evidencing system
FR2734071B1 (en) * 1995-05-11 1997-06-06 Schlumberger Ind Sa ELECTRONIC PAYMENT CARD WITH INTERCHANGEABLE MODULE
NL1001376C2 (en) * 1995-05-11 1996-11-12 Nederland Ptt Method for executing an electronic payment transaction with a variable number of payment units, as well as payment means and system for applying the method.
NL1000352C2 (en) * 1995-05-12 1996-11-13 Nederland Ptt Electronic payment system with different units of account, electronic payment method and method for electronic payment.
FR2734800B1 (en) 1995-06-01 1997-08-01 Snef Cote D Azur Sa PNEUMATIC CONVEYOR FOR SMALL METAL PARTS, ESPECIALLY COINS, FOR CASH TERMINALS
US5832460A (en) 1995-06-02 1998-11-03 International Business Machines Corporation Method and system for bill presentation and payment reconciliation
US5748908A (en) * 1995-06-07 1998-05-05 Yu; Mason K. Automated, classified expenditure data card recording system
US5832089A (en) 1995-06-07 1998-11-03 Sandia Corporation Off-line compatible electronic cash method and system
FR2735261B1 (en) * 1995-06-08 1997-07-11 France Telecom METHOD OF MAKING A PAYMENT USING AN ACCOUNT MANAGER
US5819236A (en) 1995-06-12 1998-10-06 Carreker-Antinori, Inc. System and method for providing advance notification of potential presentment returns due to account restrictions
NL1000741C2 (en) 1995-07-06 1997-01-08 Nederland Ptt Method for tracking payment data in an anonymous payment system, as well as a payment system in which the method is applied
FR2737032B1 (en) * 1995-07-19 1997-09-26 France Telecom SECURE PAYMENT SYSTEM BY ELECTRONIC CURRENCY TRANSFER THROUGH AN INTERBANKING NETWORK
JPH0950465A (en) 1995-08-04 1997-02-18 Hitachi Ltd Electronic shopping method, electronic shopping system and document authentication method
JP3710172B2 (en) 1995-09-01 2005-10-26 富士通株式会社 User terminal and center for software price refund
US6076075A (en) 1995-09-25 2000-06-13 Cardis Enterprise International N.V. Retail unit and a payment unit for serving a customer on a purchase and method for executing the same
US5893907A (en) * 1995-10-26 1999-04-13 Ukuda; Shuko Apparatus and system for managing a card number
NL1001509C2 (en) 1995-10-26 1997-05-02 Nederland Ptt Method for canceling a transaction with an electronic payment method, as well as a payment method for applying the method.
US5819228A (en) 1995-10-31 1998-10-06 Utilimed, Inc. Health care payment system utilizing an intensity adjustment factor applied to provider episodes of care
US5699528A (en) 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
NL1001659C2 (en) 1995-11-15 1997-05-21 Nederland Ptt Method for writing down an electronic payment method.
US5842183A (en) 1995-11-21 1998-11-24 International Billings Services, Inc. Dynamically updated payment due date system
USD378219S (en) * 1995-11-21 1997-02-25 Marshlack Dane G Invoice holder
US6058380A (en) 1995-12-08 2000-05-02 Mellon Bank, N.A. System and method for electronically processing invoice information
NL1001863C2 (en) 1995-12-08 1997-06-10 Nederland Ptt Method for securely writing down an electronic payment method, as well as payment method for implementing the method.
US5729460A (en) * 1995-12-14 1998-03-17 Francotyp-Postalia Ag & Co. Method for payment of the recrediting of an electronic postage meter and arrangement for the operation of a data central
JP3133243B2 (en) * 1995-12-15 2001-02-05 株式会社エヌケーインベストメント Online shopping system
US5812945A (en) 1995-12-22 1998-09-22 Pitney Bowes Inc. Metered payment cellular telephone communication system
US5740247A (en) * 1995-12-22 1998-04-14 Pitney Bowes Inc. Authorized cellular telephone communication payment refill system
US5893902A (en) * 1996-02-15 1999-04-13 Intelidata Technologies Corp. Voice recognition bill payment system with speaker verification and confirmation
US5963924A (en) 1996-04-26 1999-10-05 Verifone, Inc. System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce
US6016484A (en) * 1996-04-26 2000-01-18 Verifone, Inc. System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment
US5987140A (en) 1996-04-26 1999-11-16 Verifone, Inc. System, method and article of manufacture for secure network electronic payment and credit collection
US6171361B1 (en) * 1996-05-07 2001-01-09 Pemco Corporation High fluorine frits for continuous casting of metals
US5808723A (en) 1996-05-21 1998-09-15 Eastman Kodak Company Photofinishing system having customized customer order payment feature
US5897621A (en) * 1996-06-14 1999-04-27 Cybercash, Inc. System and method for multi-currency transactions
US6072870A (en) 1996-06-17 2000-06-06 Verifone Inc. System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
US5768132A (en) 1996-06-17 1998-06-16 Pitney Bowes Inc. Controlled acceptance mail system securely enabling reuse of digital token initially generated for a mailpiece on a subsequently prepared different mailpiece to authenticate payment of postage
US5987132A (en) 1996-06-17 1999-11-16 Verifone, Inc. System, method and article of manufacture for conditionally accepting a payment method utilizing an extensible, flexible architecture
US6178409B1 (en) * 1996-06-17 2001-01-23 Verifone, Inc. System, method and article of manufacture for multiple-entry point virtual point of sale architecture
US5983208A (en) 1996-06-17 1999-11-09 Verifone, Inc. System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture
US5884288A (en) * 1996-07-01 1999-03-16 Sun Microsystems, Inc. Method and system for electronic bill payment
US5903880A (en) * 1996-07-19 1999-05-11 Biffar; Peter C. Self-contained payment system with circulating digital vouchers
US5816174A (en) 1996-07-25 1998-10-06 Smith; Ervin M. Island payment terminal mounting system
USD386882S (en) 1996-07-25 1997-11-25 Smith Ervin M Island payment terminal
JP3387330B2 (en) 1996-09-12 2003-03-17 株式会社日立製作所 Electronic money holding device and electronic money payment method using the same
USD403667S (en) * 1996-09-12 1999-01-05 Oki Electric Industry Co., Ltd. Pocket-sized electronic payment and financial transaction terminal including IC card reader
USD385304S (en) 1996-09-16 1997-10-21 Griffin Peter B Invoice file clip
US5978840A (en) 1996-09-26 1999-11-02 Verifone, Inc. System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture
US6206285B1 (en) * 1996-10-01 2001-03-27 Siemens Nixdorf Informationssysteme Aktiengesellschaft Peripheral assembly kit for the workstation of a goods invoicing system
USD398446S (en) 1996-10-03 1998-09-22 Hosea Darlene L Payment booklet holder
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
US5991411A (en) 1996-10-08 1999-11-23 International Business Machines Corporation Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like
AU745141B2 (en) 1996-10-09 2002-03-14 Visa International Service Association Electronic statement presentment system
US6021943A (en) * 1996-10-09 2000-02-08 Chastain; Robert H. Process for executing payment transactions
US6070150A (en) 1996-10-18 2000-05-30 Microsoft Corporation Electronic bill presentment and payment system
EP0873647A2 (en) 1996-10-23 1998-10-28 Cellon France SAS Payment scheme for a mobile communication service
JPH10162089A (en) 1996-12-02 1998-06-19 Oki Electric Ind Co Ltd Electronic transaction system
EP0851396A1 (en) 1996-12-23 1998-07-01 Koninklijke KPN N.V. System for increasing a value of an electronic payment card
US5819239A (en) 1996-12-30 1998-10-06 Pitney Bowes Inc. Method of verifying proper payment of postage
US6167378A (en) 1997-01-21 2000-12-26 Webber, Jr.; Donald Gary Automated back office transaction method and system
US6070798A (en) 1997-02-21 2000-06-06 Nethery; Kee Purchaser generated transaction recording and negotiable instrument payment system
US5999625A (en) 1997-02-27 1999-12-07 International Business Machines Corporation Method for electronic payment system with issuer control
CA2285238A1 (en) 1997-03-31 1998-10-08 Bellsouth Intellectual Property Corporation A system and method for associating services information with selected elements of an organization
US6202052B1 (en) * 1997-05-08 2001-03-13 Simplification, Llc Fully-automated system for tax reporting, payment and refund
US6193152B1 (en) 1997-05-09 2001-02-27 Receiptcity.Com, Inc. Modular signature and data-capture system and point of transaction payment and reward system
US6047267A (en) * 1997-05-14 2000-04-04 Portal Software, Inc. Method and apparatus for tracking multiple payment resources and charging transactions to payment resources in on line transaction processing system
US6012048A (en) * 1997-05-30 2000-01-04 Capital Security Systems, Inc. Automated banking system for dispensing money orders, wire transfer and bill payment
US6061665A (en) 1997-06-06 2000-05-09 Verifone, Inc. System, method and article of manufacture for dynamic negotiation of a network payment framework
US5973619A (en) 1997-06-10 1999-10-26 Paredes; Alexis Automated vehicle dispatch and payment honoring system
US6073125A (en) 1997-06-26 2000-06-06 Pitney Bowes Inc. Token key distribution system controlled acceptance mail payment and evidencing system
IL121192A0 (en) 1997-06-30 1997-11-20 Ultimus Ltd Processing system and method for a heterogeneous electronic cash environment
US6049786A (en) * 1997-07-22 2000-04-11 Unisys Corporation Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures
US5974146A (en) 1997-07-30 1999-10-26 Huntington Bancshares Incorporated Real time bank-centric universal payment system
US6163771A (en) 1997-08-28 2000-12-19 Walker Digital, Llc Method and device for generating a single-use financial account number
US6044362A (en) * 1997-09-08 2000-03-28 Neely; R. Alan Electronic invoicing and payment system
US5914472A (en) 1997-09-23 1999-06-22 At&T Corp Credit card spending authorization control system
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US5946669A (en) 1997-09-30 1999-08-31 Lockheed Martin Corporation Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange
USD406574S (en) * 1997-10-06 1999-03-09 Verifone, Inc. Payment instrument
US5978780A (en) 1997-11-21 1999-11-02 Craig Michael Watson Integrated bill consolidation, payment aggregation, and settlement system
US6038548A (en) * 1997-11-26 2000-03-14 International Business Machines Corporation System and method for conducting electronic commerce in a computer network using a cashier desk payment framework
US5943656A (en) 1997-12-03 1999-08-24 Avista Advantage, Inc. Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems
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
US6038547A (en) * 1998-01-07 2000-03-14 Casto; Robin L. Construction tracking and payment method and system
US6233565B1 (en) 1998-02-13 2001-05-15 Saranac Software, Inc. Methods and apparatus for internet based financial transactions with evidence of payment
US6081790A (en) 1998-03-20 2000-06-27 Citibank, N.A. System and method for secure presentment and payment over open networks
US6173272B1 (en) * 1998-04-27 2001-01-09 The Clearing House Service Company L.L.C. Electronic funds transfer method and system and bill presentment method and system
CA2330341A1 (en) * 1998-05-05 1999-11-11 The Clearing House Service Company L.L.C. System and method for intraday netting payment finality
US6102287A (en) 1998-05-15 2000-08-15 International Business Machines Corporation Method and apparatus for providing product survey information in an electronic payment system
US6073113A (en) 1998-06-29 2000-06-06 Sun Microsystems, Inc. Compatibility checking between instruments, operations and protocols in electronic commerce
US6199107B1 (en) * 1998-07-22 2001-03-06 Microsoft Corporation Partial file caching and read range resume system and method
FR2781417B1 (en) 1998-07-22 2000-09-08 Dassault Automatismes THERMAL PRINTING DEVICE FOR A WOUND PAPER WEB, IN PARTICULAR FOR A PORTABLE WIRELESS OR WIRELESS PAYMENT TERMINAL
US6012740A (en) * 1998-08-03 2000-01-11 Lupi; L. Anthony Combination sample medication payment check and medication prescription device
US6056322A (en) 1998-08-03 2000-05-02 Lupi; Louis A. Combination sample medication payment check and medication prescription device
US6222914B1 (en) * 1998-09-02 2001-04-24 Mcmullin John L. System and method for administration of an incentive award system having a delayed award payment using a credit instrument
US6216115B1 (en) * 1998-09-28 2001-04-10 Benedicto Barrameda Method for multi-directional consumer purchasing, selling, and transaction management
US6169974B1 (en) * 1998-10-08 2001-01-02 Paymentech, Inc. Method for closed loop processing of transactions utilizing bank card association
US6135261A (en) 1998-10-23 2000-10-24 Robert E. Noell, Jr. Payment-receiving enclosure for a vending machine
WO2000030044A2 (en) * 1998-11-17 2000-05-25 Prenet Corporation Electronic payment system utilizing intermediary account
US6167385A (en) 1998-11-30 2000-12-26 The Chase Manhattan Bank Supply chain financing system and method
US6173269B1 (en) * 1998-12-16 2001-01-09 Zowi.Com, Inc Method and apparatus for executing electronic commercial transactions with minors
US6227447B1 (en) 1999-05-10 2001-05-08 First Usa Bank, Na Cardless payment system
AU1757201A (en) 1999-11-05 2001-05-14 American Express Travel Related Services Company, Inc. Systems and methods for facilitating commercial transactions between parties residing at remote locations
US6847953B2 (en) 2000-02-04 2005-01-25 Kuo James Shaw-Han Process and method for secure online transactions with calculated risk and against fraud
FR2817663B1 (en) * 2000-12-01 2004-02-27 Valeo Electronique TACTILE DETECTION DEVICE FOR MOTOR VEHICLE
US7822679B1 (en) 2001-10-29 2010-10-26 Visa U.S.A. Inc. Method and system for conducting a commercial transaction between a buyer and a seller
US20040034583A1 (en) * 2002-08-15 2004-02-19 Lanier Cheryl Lynn Systems and methods for performing electronic check commerce
US20070208638A1 (en) * 2003-10-06 2007-09-06 Brown Stephen A Consumer credit finance cashflow funding system
US8606697B2 (en) 2004-06-17 2013-12-10 Visa International Service Association Method and system for providing buyer bank payable discounting services
US7774269B2 (en) * 2004-07-19 2010-08-10 Adam Friedman Future check financing method
US7711639B2 (en) 2005-01-12 2010-05-04 Visa International Pre-funding system and method

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040030647A1 (en) * 2001-03-31 2004-02-12 First Data Corporation Staged transactions systems and methods
US20030093367A1 (en) * 2001-11-15 2003-05-15 First Data Corporation Online incremental payment method
US20040049449A1 (en) * 2002-09-11 2004-03-11 Martinelli Rolando H. Electronic trading system and method for accounts receivables and payables

Also Published As

Publication number Publication date
US20060155644A1 (en) 2006-07-13
US7711639B2 (en) 2010-05-04
US8036985B2 (en) 2011-10-11
WO2006076503A2 (en) 2006-07-20
US20100205092A1 (en) 2010-08-12

Similar Documents

Publication Publication Date Title
WO2006076503A3 (en) Pre-funding system and method
WO2008014114A3 (en) Compliance control in a card based program
WO2006101711A3 (en) Negotiable instrument authentication systems and methods
WO2005109307A3 (en) Methods and systems for providing guaranteed merchant transactions
WO2008073572A3 (en) Batch settlement transactions system and method
WO2005004016A3 (en) Data processing system for transmitting of payment advice data
WO2006047624A3 (en) Intra-day matching system and method
WO2006045060A3 (en) System and method for resolving transactions
WO2006124343A3 (en) In-lane money transfer systems and methods
WO2000072109A3 (en) System for handling network transactions
BRPI0507070A (en) methods for conducting a secure financial transaction and systems for conducting a secure financial transaction between a merchant and an account owner
WO2011134975A3 (en) A system and method for rapidly calculating risk in an electronic trading exchange
WO2007127424A3 (en) Methods and systems for opening and funding a financial account online
WO2007121474A3 (en) System and method for secure online transaction
WO2001071459A3 (en) Method and system for a network-based securities marketplace
WO2008112402A8 (en) Account information lookup systems and methods in mobile commerce
WO2006074285A3 (en) Method and system for determining healthcare eligibility
WO2009124204A3 (en) Third-party methods and systems for managing merchant validation screening
WO2007061433A3 (en) Systems and methods for non-traditional payment
WO2004061566A3 (en) System and method for verifying loan data at delivery
WO2008103880A3 (en) Payments using a mobile commerce device
WO2005104725A3 (en) Automated financial service system
WO2005094407A3 (en) Systems, methods, and devices for selling transaction instruments via web-based tool
WO2006138306A3 (en) Health care eligibility verification and settlement systems and methods
WO2008045947A3 (en) Systems and methods for collaborative payment strategies

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application
NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 06718203

Country of ref document: EP

Kind code of ref document: A2