Cashedge, Inc.

Fiserv Incorporated

Amir Sunderji

Sanjeev Dheer

Venkatachari Dilip

Param Singh

Jeremy Sokolic

Aaron Rudenstine

Neil Platt

Behram Panthaki

Demetris Papademetriou

Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which a customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.

Centralized payment method and system for online and offline transactions

A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.

Method and apparatus for managing transactions

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San Jose, CA, United States of America

Amir Sunderji