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특허 상세정보

MyON담기
내보내기 페이스북 공유 카카오톡 공유

Pre-funding system and method

특허상세정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판) G06Q-040/00   
미국특허분류(USC) 705/039; 705/040
출원번호 UP-0034667 (2005-01-12)
등록번호 US-7711639 (2010-06-03)
발명자 / 주소
출원인 / 주소
대리인 / 주소
    Townsend and Townsend and Crew LLP
인용정보 피인용 횟수 : 8  인용 특허 : 233
초록
▼

A method for pre-funding is disclosed. The method includes sending a plurality of pre-fund authorization requests to a buyer financial institution, and then receiving a plurality of responses to the pre-fund authorization requests from the buyer financial institution, where each response either accepts or declines a pre-fund authorization request. A funds transfer request is sent to the buyer financial institution, where the funds transfer request corresponds to a total value of the accepted pre-fund authorization requests. Notification that funds have t...

대표
청구항
▼

What is claimed is: 1. A method for pre-funding, the method comprising: defining a settlement process, by a commerce processor, for a payer financial institution with a settlement process setup; providing a cutoff time parameter, by the commerce processor, to the settlement process setup, the cutoff time parameter defining the cutoff time for processing post-dated payments for payers using the payer financial institution; using the cutoff time parameter, by the commerce processor, to calculate a predetermined time period associated with the post-dated p...

이 특허에 인용된 특허 (233)

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