WO2006127969A3 - Method and system for facilitating network transaction processing - Google Patents

Method and system for facilitating network transaction processing Download PDF

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Publication number
WO2006127969A3
WO2006127969A3 PCT/US2006/020378 US2006020378W WO2006127969A3 WO 2006127969 A3 WO2006127969 A3 WO 2006127969A3 US 2006020378 W US2006020378 W US 2006020378W WO 2006127969 A3 WO2006127969 A3 WO 2006127969A3
Authority
WO
WIPO (PCT)
Prior art keywords
financial institution
network
payor
payee
payment
Prior art date
Application number
PCT/US2006/020378
Other languages
French (fr)
Other versions
WO2006127969A2 (en
Inventor
Richard Norman
Tommy J Vicknair
Carl Shismanian
Earl W Jennings
David L James
Original Assignee
Jpmorgan Chase Bank Na
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 Na filed Critical Jpmorgan Chase Bank Na
Publication of WO2006127969A2 publication Critical patent/WO2006127969A2/en
Publication of WO2006127969A3 publication Critical patent/WO2006127969A3/en

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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
    • 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

Abstract

According to one embodiment, the present invention relates to a method and a system for efficient transaction processing. According to an exemplary embodiment, a method and system for facilitating settlement processing within a network of financial institutions may include receiving one or more payment items from a plurality of payment entities, at a centralized agent, wherein the one or more payment items comprise one or more electronic images and paper instruments; aggregating the payment items into one or more categories; identifying a payee financial institution and a payor financial institution for each payment items, wherein the payee financial institution and the payor financial institution are different; determining whether the payee financial institution and the payor financial institution are within the network of financial institutions; for the payee and payor within the network, determining at the centralized agent a settlement path within the network of financial institutions for each payment item; and for the payee and payor that are not within the network, forwarding the payment items to a third party settlement entity by the centralized agent for settlement processing.
PCT/US2006/020378 2005-05-26 2006-05-26 Method and system for facilitating network transaction processing WO2006127969A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/137,407 2005-05-26
US11/137,407 US8121944B2 (en) 2004-06-24 2005-05-26 Method and system for facilitating network transaction processing

Publications (2)

Publication Number Publication Date
WO2006127969A2 WO2006127969A2 (en) 2006-11-30
WO2006127969A3 true WO2006127969A3 (en) 2007-06-28

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/020378 WO2006127969A2 (en) 2005-05-26 2006-05-26 Method and system for facilitating network transaction processing

Country Status (2)

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US (2) US8121944B2 (en)
WO (1) WO2006127969A2 (en)

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US20060212391A1 (en) 2006-09-21

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