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
method
electronic
management system
customer
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 to US14/106,999 priority Critical patent/US10282712B2/en
Priority to US14/106,999 priority
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

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223Realising banking transactions through M-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 2013-02-07 2014-12-10 Integrated electronic disbursement and cash flow management system and method WO2015100009A2 (en)

Priority Applications (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) 2013-02-07 2014-12-10 Integrated electronic disbursement and cash flow management system and method

Country Status (1)

Country Link
WO (1) WO2015100009A2 (en)

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

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