Centralized payment hub method and system

G - Physics – 06 – Q

Patent

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G06Q 20/02 (2012.01) G06Q 40/02 (2012.01)

Patent

CA 2689425

Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). In another embodiment, a financial management system hosts a "central payment hub" version of the CET service. The central payment hub is an industrial utility in that multiple financial institutions all participate in a central service that can be offered to their respective customers. All of the customers (both individuals and small businesses) of the various institutions come to one consolidated payment hub. For example a Bank of America invoice can come into the payment hub, and a Wells Fargo invoice can come into the payment hub. The payment hub is a shared utility across multiple financial institutions. The payment hub features a single registration at the payment hub across all of the participating financial institutions.

Les modes de réalisation décrits ici comprennent un réseau de service de transactions électroniques (également appelé ici service de transactions électroniques centralisées (CET)). Dans un autre mode de réalisation, un système de gestion financière héberge une version de <= concentrateur de paiement central >= du service CET. Le concentrateur de paiement central est un organisme industriel en ce que de multiples organismes financiers participent tous à un service central qui peut être proposé à leurs clients respectifs. Tous les clients (à la fois des individus et de petites entreprises) des divers organismes arrivent à un concentrateur de paiement consolidé. Par exemple, une facture de la Bank of America peut arriver dans le concentrateur de paiement, et une facture de Wells Fargo peut arriver dans le concentrateur de paiement. Le concentrateur de paiement est un organisme partagé par de multiples organismes financiers. Le concentrateur de paiement effectue un enregistrement unique au niveau du concentrateur de paiement parmi tous les organismes financiers participants.

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