The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 09, 2012
Filed:
Nov. 06, 2001
Glen R. Cataline, Dublin, OH (US);
William Smith Rielly, Redmond, WA (US);
William Scott Wallace, Downingtown, PA (US);
Mark Robert Sheehan, Middletown, DE (US);
Glen R. Cataline, Dublin, OH (US);
William Smith Rielly, Redmond, WA (US);
William Scott Wallace, Downingtown, PA (US);
Mark Robert Sheehan, Middletown, DE (US);
JPMorgan Chase Bank, N.A., New York, NY (US);
Abstract
A system for transferring funds to pay bills and to and from selected accounts on an optimized is provided. A mediation engine may manage the payments made to selected payees, including by scheduling the payments and selecting sources for funds. A rules-based optimizer may automatically select the least-cost or other most efficient or desirable transaction, given the customer's available funds, types of funds and payment date. All payment providers and payees may manipulated using one seamless view. A customer service representative may also view the transfers.