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1. (WO2019027447) SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR MANAGING FINANCES FOR SELLERS IN AN INTEGRATED CLOSED LOOP SYSTEM
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Pub. No.: WO/2019/027447 International Application No.: PCT/US2017/044892
Publication Date: 07.02.2019 International Filing Date: 01.08.2017
IPC:
G06Q 40/06 (2012.01) ,G06Q 10/06 (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
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
06
Investment, e.g. financial instruments, portfolio management or fund management
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
10
Administration; Management
06
Resources, workflows, human or project management, e.g. organising, planning, scheduling or allocating time, human or machine resources; Enterprise planning; Organisational models
Applicants:
ACI WORLDWIDE CORP. [US/US]; 6060 Coventry Drive Elkhorn, Nebraska 68022, US
Inventors:
VAN RENSBURG, Johannes Janse; US
Agent:
LUEBBERING, Thomas B.; US
Priority Data:
Title (EN) SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR MANAGING FINANCES FOR SELLERS IN AN INTEGRATED CLOSED LOOP SYSTEM
(FR) SYSTÈME ET PROCÉDÉ INFORMATISÉ DE GESTION DES FINANCES DE VENDEURS DANS UN SYSTÈME À BOUCLE FERMÉE INTÉGRÉE
Abstract:
(EN) A system and method for managing the finances of a seller in a closed loop payment system in which the seller has accounts at multiple banks at which its customers have accounts. A financial management solution software application monitors the activity and balance of each account, determines an aggregate balance, and reports this to the seller. The solution allows the seller to initiate or schedule a payment from a particular account, and determines whether the particular account has sufficient funds, and if so, makes the payment. If not, the solution sweeps funds from other accounts into the particular account until it contains sufficient funds to make the payment, and if sufficient funds are not available, communicates an alert to the seller. The solution may select or allow the seller to identify the particular account, the other accounts, and the order of the other accounts from which funds are swept.
(FR) La présente invention concerne un système et un procédé de gestion des finances d'un vendeur dans un système de paiement à boucle fermée dans lequel le vendeur possède des comptes dans de multiples banques au sein desquelles ses clients ont des comptes. Une application logicielle de la solution de gestion financière surveille l'activité et le solde de chaque compte, détermine un solde cumulé et le rapporte au vendeur. La solution permet au vendeur d'initier ou de planifier un paiement à partir d'un compte particulier, détermine si le compte particulier a suffisamment de fonds et, si tel est le cas, procède au paiement. Si tel n'est pas le cas, la solution transfère des fonds provenant d'autres comptes au compte particulier jusqu'à ce que les fonds de ce dernier soient suffisants pour le paiement. S'il n'y a pas assez de fonds disponibles, la solution communique une alerte au vendeur. La solution peut sélectionner, ou permettre au vendeur d'identifier, le compte particulier, les autres comptes et l'ordre des autres comptes à partir desquels les fonds sont transférés.
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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)