WO2006019683A3 - Method and system for expediting payment delivery - Google Patents

Method and system for expediting payment delivery Download PDF

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Publication number
WO2006019683A3
WO2006019683A3 PCT/US2005/024523 US2005024523W WO2006019683A3 WO 2006019683 A3 WO2006019683 A3 WO 2006019683A3 US 2005024523 W US2005024523 W US 2005024523W WO 2006019683 A3 WO2006019683 A3 WO 2006019683A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
recipient
data
customer
payment instrument
Prior art date
Application number
PCT/US2005/024523
Other languages
French (fr)
Other versions
WO2006019683A2 (en
Inventor
Mark Sheehan
Ravi Acharya
Original Assignee
Jpmorgan Chase Bank
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 Jpmorgan Chase Bank filed Critical Jpmorgan Chase Bank
Publication of WO2006019683A2 publication Critical patent/WO2006019683A2/en
Publication of WO2006019683A3 publication Critical patent/WO2006019683A3/en

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/042Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions

Abstract

NEW ABSTRACT A method and system of the present invention are directed to expediting payments for scheduled delivery (e.g., next day delivery) to various payees or recipients (150, 152). A computer implemented method and system for expediting payments may include receiving recipient data and payment data from a customer (110, 112) at a remote location; wherein recipient data comprises recipient identifier and payment data comprises payment type; obtaining a payment instrument based at least in part on the payment data; debiting an amount of the payment instrument from an account identified by the customer; and delivering the payment instrument to a facility (140); wherein the facility delivers the payment instrument to a recipient identified by the recipient data entered by the customer.
PCT/US2005/024523 2004-07-23 2005-07-11 Method and system for expediting payment delivery WO2006019683A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/897,177 US8290862B2 (en) 2004-07-23 2004-07-23 Method and system for expediting payment delivery
US10/897,177 2004-07-23

Publications (2)

Publication Number Publication Date
WO2006019683A2 WO2006019683A2 (en) 2006-02-23
WO2006019683A3 true WO2006019683A3 (en) 2007-03-01

Family

ID=35658448

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/024523 WO2006019683A2 (en) 2004-07-23 2005-07-11 Method and system for expediting payment delivery

Country Status (2)

Country Link
US (1) US8290862B2 (en)
WO (1) WO2006019683A2 (en)

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US8290862B2 (en) 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
US8290863B2 (en) 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
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US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US10395247B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc Systems and methods for facilitating a secure transaction at a non-financial institution system
US10318936B2 (en) 2012-03-07 2019-06-11 Early Warning Services, Llc System and method for transferring funds
US9691056B2 (en) 2012-03-07 2017-06-27 Clearxchange, Llc System and method for transferring funds
US10970688B2 (en) 2012-03-07 2021-04-06 Early Warning Services, Llc System and method for transferring funds
US10769606B2 (en) 2015-03-23 2020-09-08 Early Warning Services, Llc Payment real-time funds availability
US10839359B2 (en) 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US10878387B2 (en) 2015-03-23 2020-12-29 Early Warning Services, Llc Real-time determination of funds availability for checks and ACH items
US10748127B2 (en) 2015-03-23 2020-08-18 Early Warning Services, Llc Payment real-time funds availability
US10832246B2 (en) 2015-03-23 2020-11-10 Early Warning Services, Llc Payment real-time funds availability
US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US11151523B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11151566B2 (en) 2016-09-19 2021-10-19 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
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US10530780B2 (en) 2017-10-11 2020-01-07 Bank Of America Corporation Entity validation for resource distribution location
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US10320662B1 (en) 2017-11-17 2019-06-11 Bank Of America Corporation Centralized resource routing and distribution
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