WO2008031002A3 - Host exchange in bill paying services - Google Patents

Host exchange in bill paying services Download PDF

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Publication number
WO2008031002A3
WO2008031002A3 PCT/US2007/077829 US2007077829W WO2008031002A3 WO 2008031002 A3 WO2008031002 A3 WO 2008031002A3 US 2007077829 W US2007077829 W US 2007077829W WO 2008031002 A3 WO2008031002 A3 WO 2008031002A3
Authority
WO
WIPO (PCT)
Prior art keywords
data
financial institution
account
host exchange
bill paying
Prior art date
Application number
PCT/US2007/077829
Other languages
French (fr)
Other versions
WO2008031002A2 (en
Inventor
Peter Alexander Hazlehurst
Cindy Alvarez
Original Assignee
Yodlee Inc
Peter Alexander Hazlehurst
Cindy Alvarez
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Yodlee Inc, Peter Alexander Hazlehurst, Cindy Alvarez filed Critical Yodlee Inc
Publication of WO2008031002A2 publication Critical patent/WO2008031002A2/en
Publication of WO2008031002A3 publication Critical patent/WO2008031002A3/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/04Billing or invoicing
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0224Discounts or incentives, e.g. coupons or rebates based on user history
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

An account exchange system is provided by a data aggregation service enabled for gathering data for a subscriber from a data repository of a first financial institution, using account exchange software operating on a server coupled to the data aggregation service. Initiated by a subscriber the account exchange software causes an account to be terminated at the first financial institution and a new account to be opened at a second financial institution, using data from the first financial institution, and processing the data to be compatible with data requirements at the second financial institution.
PCT/US2007/077829 2006-09-07 2007-09-07 Host exchange in bill paying services WO2008031002A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US84345006P 2006-09-07 2006-09-07
US60/843,450 2006-09-07
US11/851,131 2007-09-06
US11/851,131 US7606752B2 (en) 2006-09-07 2007-09-06 Host exchange in bill paying services

Publications (2)

Publication Number Publication Date
WO2008031002A2 WO2008031002A2 (en) 2008-03-13
WO2008031002A3 true WO2008031002A3 (en) 2008-05-08

Family

ID=39158076

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/077829 WO2008031002A2 (en) 2006-09-07 2007-09-07 Host exchange in bill paying services

Country Status (2)

Country Link
US (2) US7606752B2 (en)
WO (1) WO2008031002A2 (en)

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US7856386B2 (en) 2010-12-21
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US20100004990A1 (en) 2010-01-07
US20080065520A1 (en) 2008-03-13

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