WO2004084047A3 - Single source money management system - Google Patents

Single source money management system Download PDF

Info

Publication number
WO2004084047A3
WO2004084047A3 PCT/US2004/008581 US2004008581W WO2004084047A3 WO 2004084047 A3 WO2004084047 A3 WO 2004084047A3 US 2004008581 W US2004008581 W US 2004008581W WO 2004084047 A3 WO2004084047 A3 WO 2004084047A3
Authority
WO
WIPO (PCT)
Prior art keywords
account
loan
money management
customer
money
Prior art date
Application number
PCT/US2004/008581
Other languages
French (fr)
Other versions
WO2004084047A2 (en
Inventor
Eric Stephen Saylors
Nicholas Anthony Lindsay Brown
Maurice John Boardman
Original Assignee
Digital World Access Inc
Eric Stephen Saylors
Nicholas Anthony Lindsay Brown
Maurice John Boardman
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 Digital World Access Inc, Eric Stephen Saylors, Nicholas Anthony Lindsay Brown, Maurice John Boardman filed Critical Digital World Access Inc
Publication of WO2004084047A2 publication Critical patent/WO2004084047A2/en
Priority to US11/130,582 priority Critical patent/US20050211765A1/en
Publication of WO2004084047A3 publication Critical patent/WO2004084047A3/en
Priority to US11/895,881 priority patent/US7748614B2/en
Priority to US12/777,269 priority patent/US8302852B2/en

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
    • 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
    • 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
    • G06Q40/08—Insurance

Abstract

Using a single source money management system customers 120 may automate their committed spending. A money management account 110 and a discretionary fund account 112 are established in response to a customer's request to participate in the system. A financial institution 122 receives money on a periodic basis from a customer's predictable payment system. The money is then deposited/transferred to the money management account 110, retained in the money management account 110 as required for bill payment, and/or deposited/transferred into the discretionary fund account 112 if it is 'excess.' Bills are paid on a customer determined schedule directly from the money management account 110 using the money retained in the money management account 110. A loan account may also be established in response to a customer's application for a loan account. A financial institution 122 grants a loan for a loan purchase in response to a customer's application for a loan purchase. The system and/or the financial institution 122 handles payment for the loan purchase and repayment of the loan from the loan account from the money management account 110. The present invention may include a secure internet shopping system that includes a vendor web system and a financial institution web system. Each vendor 128 offers goods and/or services. The financial institution web system permits customer authorization of payment to a selected vendor 128.
PCT/US2004/008581 2000-06-27 2004-03-19 Single source money management system WO2004084047A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
US11/130,582 US20050211765A1 (en) 2000-06-27 2005-05-16 Money management network
US11/895,881 US7748614B2 (en) 2000-06-27 2007-08-27 Transaction system and method
US12/777,269 US8302852B2 (en) 2001-10-16 2010-05-11 Money management network

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US45613803P 2003-03-19 2003-03-19
US60/456,138 2003-03-19
US10/700,720 2003-11-03
US10/700,720 US20040111370A1 (en) 2000-06-27 2003-11-03 Single source money management system

Related Parent Applications (2)

Application Number Title Priority Date Filing Date
US10/700,720 Continuation US20040111370A1 (en) 2000-06-27 2003-11-03 Single source money management system
US10/700,720 Continuation-In-Part US20040111370A1 (en) 2000-06-27 2003-11-03 Single source money management system

Related Child Applications (2)

Application Number Title Priority Date Filing Date
US11/130,582 Continuation-In-Part US20050211765A1 (en) 2000-06-27 2005-05-16 Money management network
US11/895,881 Continuation-In-Part US7748614B2 (en) 2000-06-27 2007-08-27 Transaction system and method

Publications (2)

Publication Number Publication Date
WO2004084047A2 WO2004084047A2 (en) 2004-09-30
WO2004084047A3 true WO2004084047A3 (en) 2006-02-02

Family

ID=33032715

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2004/008581 WO2004084047A2 (en) 2000-06-27 2004-03-19 Single source money management system

Country Status (2)

Country Link
US (3) US20040111370A1 (en)
WO (1) WO2004084047A2 (en)

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