Some content of this application is unavailable at the moment.
If this situation persist, please contact us atFeedback&Contact
1. (WO2018049358) FINANCIAL MANAGEMENT SYSTEMS AND METHODS
Latest bibliographic data on file with the International Bureau    Submit observation

Pub. No.: WO/2018/049358 International Application No.: PCT/US2017/051026
Publication Date: 15.03.2018 International Filing Date: 11.09.2017
IPC:
G06Q 20/38 (2012.01) ,G06Q 20/06 (2012.01) ,G06Q 20/40 (2012.01) ,G06Q 20/36 (2012.01) ,G06Q 40/00 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
04
Payment circuits
06
Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
36
using electronic wallets or electronic money safes
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Applicants:
BATON SYSTEMS, INC. [US/US]; 1003 Olive Ave. Fremont, California 94539, US
Inventors:
JAYARAM, Arjun; US
ABIDI, Mohammad Taha; US
SUGAVANAM, Sumithra Kamalapuram; US
Agent:
SPONSELLER, Steven; US
Priority Data:
15/701,31311.09.2017US
62/393,39512.09.2016US
62/393,39912.09.2016US
Title (EN) FINANCIAL MANAGEMENT SYSTEMS AND METHODS
(FR) SYSTÈMES ET PROCÉDÉS DE GESTION FINANCIÈRE
Abstract:
(EN) Example financial management systems and methods are described. In one implementation, a financial management system receives a request to transfer assets from a first account at a first financial institution to a second account at a second financial institution. The financial management system initiates a debit of the first account by the transfer amount and initiates a credit of a first suspense account at the first financial institution by the transfer amount. The financial management system then initiates a settlement of the transferred assets between the first suspense account and a second suspense account at the second financial institution. Finally, the financial management system initiates a debit of the second suspense account by the transfer amount and initiates a credit of the second account by the transfer amount.
(FR) La présente invention a trait à des systèmes et à des procédés de gestion financière donnés à titre d’exemple. Dans un mode de réalisation, un système de gestion financière reçoit une demande de transfert de biens d’un premier compte dans une première institution financière vers un second compte dans une seconde institution financière. Le système de gestion financière déclenche un débit du premier compte du montant de transfert et déclenche un crédit d’un premier compte d’attente dans la première institution financière du montant de transfert. Le système de gestion financière déclenche un règlement des biens transférés entre le premier compte d’attente et un second compte d’attente dans la seconde institution financière. Finalement, le système de gestion financière déclenche un débit du second compte d’attente du montant de transfert et déclenche un crédit du second compte du montant de transfert.
front page image
Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)