WO2015100009A3 - Integrated electronic disbursement and cash flow management system and method - Google Patents

Integrated electronic disbursement and cash flow management system and method Download PDF

Info

Publication number
WO2015100009A3
WO2015100009A3 PCT/US2014/069441 US2014069441W WO2015100009A3 WO 2015100009 A3 WO2015100009 A3 WO 2015100009A3 US 2014069441 W US2014069441 W US 2014069441W WO 2015100009 A3 WO2015100009 A3 WO 2015100009A3
Authority
WO
WIPO (PCT)
Prior art keywords
disbursement
electronic
management system
customer
cash flow
Prior art date
Application number
PCT/US2014/069441
Other languages
French (fr)
Other versions
WO2015100009A2 (en
Inventor
Stanley M. DEVAN, Jr.
Steve MARKWELL
Deborah Myers
Original Assignee
Jpmorgan Chase Bank, N.A.
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
Priority claimed from US14/106,999 external-priority patent/US10282712B2/en
Application filed by Jpmorgan Chase Bank, N.A. filed Critical Jpmorgan Chase Bank, N.A.
Publication of WO2015100009A2 publication Critical patent/WO2015100009A2/en
Publication of WO2015100009A3 publication Critical patent/WO2015100009A3/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
    • G06Q20/08—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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices

Abstract

A system and method are provided for managing electronic disbursements transferred from a business client of a financial institution to customers of the business client. The system includes a disbursement instruction processor receiving a disbursement instruction over a network from a business client system, the disbursement instruction processor processing the instruction and performing multiple steps. The steps include using a customer identifier to determine available payment channels for the customer and selecting an electronic payment channel when available payment channels include an electronic payment channel. An electronic disbursement notification is forwarded to the customer. A confirmation may be provided upon acceptance of the disbursement through the disbursement notification
PCT/US2014/069441 2013-12-16 2014-12-10 Integrated electronic disbursement and cash flow management system and method WO2015100009A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/106,999 US10282712B2 (en) 2013-02-07 2013-12-16 Integrated electronic disbursement and cash flow management system and method
US14/106,999 2013-12-16

Publications (2)

Publication Number Publication Date
WO2015100009A2 WO2015100009A2 (en) 2015-07-02
WO2015100009A3 true WO2015100009A3 (en) 2015-08-27

Family

ID=53479764

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2014/069441 WO2015100009A2 (en) 2013-12-16 2014-12-10 Integrated electronic disbursement and cash flow management system and method

Country Status (1)

Country Link
WO (1) WO2015100009A2 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109636556B (en) * 2018-12-07 2023-01-10 用友网络科技股份有限公司 Bill recommendation method and system and computer-readable storage medium

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070112629A1 (en) * 1999-08-15 2007-05-17 Parago, Inc. Rebate Processing System and Method Offering Selectable Disbursement Options
US20090164329A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems for Processing a Payment Authorization Request Utilizing a Network of Point of Sale Devices
US20100223160A1 (en) * 2001-10-16 2010-09-02 Nicholas Anthony Lindsay Brown Money Management Network
US20110119366A1 (en) * 2000-03-31 2011-05-19 Verizon Laboratories, Inc. Graphical user interface and method for customer centric network management

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070112629A1 (en) * 1999-08-15 2007-05-17 Parago, Inc. Rebate Processing System and Method Offering Selectable Disbursement Options
US20090164329A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems for Processing a Payment Authorization Request Utilizing a Network of Point of Sale Devices
US20110119366A1 (en) * 2000-03-31 2011-05-19 Verizon Laboratories, Inc. Graphical user interface and method for customer centric network management
US20100223160A1 (en) * 2001-10-16 2010-09-02 Nicholas Anthony Lindsay Brown Money Management Network

Also Published As

Publication number Publication date
WO2015100009A2 (en) 2015-07-02

Similar Documents

Publication Publication Date Title
CO2019008049A2 (en) System, method, operator server and program for financial demand response provisioning services
WO2013052150A3 (en) Waiting line transaction management system and method
WO2012112941A3 (en) Method and system for managing data and enabling payment transactions between multiple entities
GB2544014A (en) Systems and methods for implementing hybrid dynamic wallet tokens
PL402524A1 (en) System and method supporting a client by a user interface
WO2011109508A3 (en) Systems and methods using mobile device in payment transaction
WO2014085478A3 (en) Systems and methods for processing electronic transactions based on consumer characteristics
WO2012103128A3 (en) Statement portal with receipt tagging and associated enhanced benefit messaging
WO2014089384A3 (en) Providing configurable communication network routing
WO2012167116A3 (en) Local usage of electronic tokens in a transaction processing system
WO2013058682A3 (en) Systems and methods for establishing transactions utilizing billing information
IN2014DE03249A (en)
WO2011094078A3 (en) Interaction management system and methods of use
WO2015023713A3 (en) Mobile application check-in and payment systems and methods of their operation
WO2012112460A3 (en) Offer insertion system
GB2499351A (en) System and method for computer-implemented accounting services provided using cloud resources
GB2495448A (en) Security model for workflows aggregating third party secure services
WO2012162206A3 (en) Post paid coupons
PH12018550040A1 (en) Systems and methods for facilitating secure electronic transactions
MY161643A (en) Value exchange system for use within an internet-based social network
WO2012135214A3 (en) Transactions via a user device in the proximity of a seller
PE20170723A1 (en) DEVICE, SYSTEM AND METHOD FOR THE DELIVERY OF EFFICIENT SERVICES AT HIGH VOLUME
WO2013010056A3 (en) Mobile communication device based monetary transfer system
MX2015015637A (en) Real time eft network-based person-to-person transactions.
MX2016004190A (en) Methods and systems for managing community information.

Legal Events

Date Code Title Description
NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 14875682

Country of ref document: EP

Kind code of ref document: A2