Patent application number | Description | Published |
20120323768 | SMS BENEFICIARY ADVISING - Apparatus and methods for communicating a notification of a status of a payment are provided. The payment may be an electronic payment. The apparatus and methods may involve receiving an electronic request from a payor to transmit a payment to a payee. The status of a payment may include steps that have been completed, have not been completed, and/or are currently in progress in a process of fulfilling the payor's request. Status may include an estimate of time remaining until the fulfillment process is completed. The electronic request may include a notification preference. A notification preference may include a destination for receiving the notification. A method of communicating a notification may include any suitable paper or electronic communication method. The notification may be automatically stored in a database for future reference. | 12-20-2012 |
20120323775 | ENHANCED SEARCHABILITY OF FIELDS ASSOCIATED WITH ONLINE BILLPAY MEMO DATA - Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction. The field(s) associated with the attachment may be searchable. Such fields may be searchable by a characteristic of the attachment. Characteristics may include content of the attachment of an electronic format of the attachment. | 12-20-2012 |
20120323784 | DYNAMIC PAYMENT GENERATOR - Apparatus and methods for providing a dynamic payment generator are provided. A customer of a financial institution may desire to conduct a transaction involving a transferor or transferee financial institution without prior knowledge regarding unique and specific information required by the transferor or transferee institution. In some embodiments, apparatus and methods may detect information entered by the customer and dynamically prompt the customer for additional information required by the transferor or transferee institution. Apparatus and methods may pre-fill fields on a form displayed to the customer with information required by the transferor or transferee institution. | 12-20-2012 |
20140122333 | METHOD AND APPARATUS FOR CONFIRMING A TRANSACTION ON A MOBILE DEVICE - A method and apparatus that improves the display treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The approval process may be streamlined by providing supplemental contact information at each stage of the approval process. Confirmation of payments via wire transfers may be sent to a payee. Transactions may be approved or rejected from increasingly detailed descriptions of the transactions. Transactions that have been successfully completed may be confirmed. Incomplete or unsuccessful transactions may be reconciled for further action by a user. Each transaction list by sorted as needed. | 05-01-2014 |
20140164232 | CLOUD-BASED DATA AUGMENTATION - Apparatus for coordinating a rule-based relationship between a bank, a vendor and a merchant is provided. The apparatus may include a vendor data platform, a vendor payment platform and a vendor clearing platform. The vendor data platform may receive a vendor name, a vendor identification number and vendor banking information and may this information into a third party database maintained by a third party. The vendor payment platform may receive the vendor identification number and a payment amount electronically associated with the vendor identification number without the banking information and transmit, to the third party, the vendor identification number and the payment amount. The vendor clearing platform may receive, from the third party, the payment amount and the banking information, and may transmit information to a clearing house. The information may initiate a transfer of funds into a vendor bank account. | 06-12-2014 |
20140207675 | METHOD AND APPARATUS FOR INITIATING A TRANSACTION ON A MOBILE DEVICE - A method and apparatus that improves the operation of treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The initiation process may be streamlined by providing supplemental contact information. Transactions may be initiated from trusted templates or groups of templates. Likewise transfers between internal accounts may be created. At each stage of the process views of current transaction/transfer initiations may be viewed. Transactions that have been successfully initiated may be confirmed. Incomplete or unsuccessful initiation may be reconciled for further action by a user. Templates and transfers may be grouped and sorted. | 07-24-2014 |