MX2010001718A - Sistemas, metodos y productos de programa de computadora para optimizar el enrutamiento de pagos financieros. - Google Patents

Sistemas, metodos y productos de programa de computadora para optimizar el enrutamiento de pagos financieros.

Info

Publication number
MX2010001718A
MX2010001718A MX2010001718A MX2010001718A MX2010001718A MX 2010001718 A MX2010001718 A MX 2010001718A MX 2010001718 A MX2010001718 A MX 2010001718A MX 2010001718 A MX2010001718 A MX 2010001718A MX 2010001718 A MX2010001718 A MX 2010001718A
Authority
MX
Mexico
Prior art keywords
payment
payor
payee
routing
computer program
Prior art date
Application number
MX2010001718A
Other languages
English (en)
Inventor
David Todd Frew
Kerry Cantley
Eric Dryer
Mark D Zanzot
Anthony B Calderone
William Earl Ii Thomas
Philip Tobin
Garret C Briggs
Original Assignee
Bank Of America
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 Bank Of America filed Critical Bank Of America
Publication of MX2010001718A publication Critical patent/MX2010001718A/es

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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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

Landscapes

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

Abstract

Se proporcionan sistemas, métodos y productos de programa de computadora para optimizar el enrutamiento de pagos financieros mediante la determinación del enrutamiento sobre una base de transacción por-pago con base en una o más reglas de enrutamiento; las reglas de enrutamiento toman en cuenta factores de pago tales como, pero no limitado a, costo del procesamiento de pago, tiempo para procesamiento del pago, riesgo/calidad del procesamiento de pago, requerimientos de entrega y/o el destino del pago; desde la perspectiva del pagador o acreedor, atributos de pago definidos por el pagador o definidos por el acreedor asociados con estos u otros factores de pago pueden ser predefinidos en un perfil de pagador/acreedor o definidos de manera dinámica cerca del tiempo en el cual se inicia la solicitud de pago; en este aspecto, las presentes modalidades sirven para crear un proceso de pago que •sea benéfico, en términos de costo, oportunidad, calidad y similares, tanto para el pagador, como para el acreedor y la institución financiera que maneja el procesamiento de pago.
MX2010001718A 2009-02-13 2010-02-12 Sistemas, metodos y productos de programa de computadora para optimizar el enrutamiento de pagos financieros. MX2010001718A (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US12/370,943 US20100211499A1 (en) 2009-02-13 2009-02-13 Systems, methods and computer program products for optimizing routing of financial payments

Publications (1)

Publication Number Publication Date
MX2010001718A true MX2010001718A (es) 2010-08-12

Family

ID=42174469

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2010001718A MX2010001718A (es) 2009-02-13 2010-02-12 Sistemas, metodos y productos de programa de computadora para optimizar el enrutamiento de pagos financieros.

Country Status (5)

Country Link
US (1) US20100211499A1 (es)
EP (1) EP2219148A1 (es)
CN (1) CN101847235A (es)
CA (1) CA2692707A1 (es)
MX (1) MX2010001718A (es)

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Also Published As

Publication number Publication date
CN101847235A (zh) 2010-09-29
EP2219148A1 (en) 2010-08-18
CA2692707A1 (en) 2010-08-13
US20100211499A1 (en) 2010-08-19

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