Bottomline Technologies (DE) Inc. Patent applications |
Patent application number | Title | Published |
20150348041 | FRAUD SCORING METHOD AND SYSTEM FOR USE WITH PAYMENT PROCESSING - A method and payment processing system are presented for verifying a requested action for payment processing. Before executing the requested action, the system sends a request for a fraud score and determines an interface mode of the requested action. The system processes the requested action according to the determined interface mode and, if received, a fraud score. | 12-03-2015 |
20140344129 | CENTRALIZED ENTITLEMENTS - A method and central entitlement server are presented for centrally storing and providing entitlements to subscribing application servers. The subscribing application servers provide services to bank accounts held by corporate customers. Services are requested by corporate customer users and in service requests. Prior to performing a requested service, the subscribing application servers verify that the requesting corporate customer user has permission to request the service on the account identified in the service request. The subscribing application servers verify requested services using entitlements received from the central entitlement server. Services that can be requested are stored in a hierarchical data structure. The hierarchical data structure includes at least one product as a root. Each product is linked to at least one product function, each product function is linked to at least one function type, each function type is linked to an action, and each action corresponds to a service. | 11-20-2014 |
20140297527 | SYSTEM AND METHOD FOR LOCATION BASED VALIDATION VIA MOBILE DEVICE - A system and method is presented for approving or disapproving a transaction requested by an initiating device based on a physical location of a mobile device associated with a user relative to a physical location of the initiating device. A user attempting to perform a sensitive action at an initiating device provides user data to the initiating device. After validating the user data, the system determines a mobile device associated with the user. In order to confirm the user data, the system determines a location of the initiating device relative to a location of the associated mobile device. If the mobile device is within a predefined proximity of the initiating device, the received user data is confirmed as valid and the transaction is approved. | 10-02-2014 |
20140297490 | W-9 EXCHANGE SYSTEM AND METHOD - A system and method is presented for sharing tax-related information. A repository is provided for storing tax-related information corresponding to a taxpayer identification number. A user access may gain access to the repository based on a pre-determined criterion and, upon the user accessing the repository, the user is permitted to at least one of add tax-related information corresponding to taxpayer identification number to the repository, access the tax-related information stored in the repository, or change the tax-related information stored in the repository. | 10-02-2014 |
20140282927 | SYSTEM AND METHOD FOR LOCATION BASED VALIDATION VIA MOBILE DEVICE - A system and method is presented for authenticating a user based on the location of a mobile device relative to the location of an accessing device. A user attempting to access a server with the accessing device (e.g., a desktop computer) provides credentials. After validating the credentials, the system determines a mobile device (e.g., a mobile phone) associated with the user. In order to confirm the credentials, the system determines a location of the accessing device relative to a location of the associated mobile device. If the mobile device is within a predefined proximity of the accessing device, the received credentials are confirmed and the user may be allowed access to the server. If the mobile device is not within the predefined proximity of the accessing device, the received credentials are identified as invalid and the user may be denied access to the server. | 09-18-2014 |
20140279484 | SYSTEM AND METHOD FOR VALIDATING RECEIVED CLEARING INFORMATION FOR IMPLEMENTING A GLOBAL ELECTRONIC FUNDS TRANSFER - A system and method is presented for validating received required information (i.e., clearing information) for performing a global electronic funds transfer. The system and method generates a form for receiving the clearing information from a user. The form includes clearing information fields that are each configured to receive an element of clearing information. The form is updated based on validation rules. The validation rules (1) define a relationship between at least one of the clearing information fields and the clearing information received from the user and (2) specify acceptable values for the clearing information received by a given clearing information field. The received clearing information is analyzed in relation to the clearing information fields by applying the validation rules to adjudicate the clearing information received in the given clearing information field as acceptable or invalid. | 09-18-2014 |
20140279452 | VENDOR PROPENSITY ANALYSIS COMPONENT FOR AN ELECTRONIC INVOICE PAYMENT SYSTEM - An electronic invoice payment system includes a database stored on a non-transitory computer readable medium, the database including a plurality of vendor records containing information pertaining to a plurality of vendors. A network interface is configured to receive presented invoices from multiple vendors for payment by multiple buyers. A processor is configured to analyze at least a portion of the vendor records to determine whether a subject vendor selected from among the plurality of vendors satisfies one or more predetermined criteria, and when so, to calculate a vendor propensity factor that operates as a measure of the subject vendor's propensity to participate in an aspect of the electronic invoice payment system. The processor further is configured to generate a vendor propensity record including the vendor propensity factor for the subject vendor. | 09-18-2014 |
20140279414 | SYSTEM AND METHOD FOR COLLECTING CLEARING INFORMATION FOR IMPLEMENTING A GLOBAL ELECTRONIC FUNDS TRANSFER - A system and method is presented for receiving required information (i.e., clearing information) for performing a global electronic funds transfer. The system and method generates a form for receiving the clearing information from a user. The form includes clearing information fields that are each configured to accept an element of clearing information. The clearing information fields of the form are dynamically updated based on clearing information rules. The clearing information rules define a relationship between at least one of the clearing information fields and the clearing information received from the user. The dynamically updated form is provided to the user to input further clearing information. | 09-18-2014 |
20140258104 | AUTOMATIC PAYMENT COMPONENT FOR AN ELECTRONIC INVOICE PAYMENT SYSTEM - An automatic invoice payment system includes a database stored on a non-transitory computer readable medium, the database including a plurality of records, each record corresponding to an invoice issued by a vendor for payment from a buyer. A network interface is configured to receive presented invoices from multiple vendors for payment by multiple buyers, wherein the presented invoices are stored in the database. The processor is configured to analyze each invoice that has been presented to determine whether the presented invoice satisfies one or more predetermined rules, and when the processor determines that the presented invoice satisfies the one or more predetermined rules, to automatically set a payment initiation date upon which payment of the presented invoice is to be automatically initiated. The processor may be configured to perform such operations by the execution of an automatic payment application stored on the non-transitory computer readable medium. | 09-11-2014 |
20140244491 | ACCELERATED PAYMENT COMPONENT FOR AN ELECTRONIC INVOICE PAYMENT SYSTEM - An invoice payment acceleration system includes a database stored on a computer readable medium including a plurality of records, each record corresponding to an invoice issued by a vendor for payment from a buyer. A network interface is configured to receive a payment initiation command from a buyer for payment of an invoice to a vendor by a first payment method. A processor is configured to analyze the invoice as to which the payment command is received to determine whether the invoice satisfies one or more predetermined criteria. The processor further is configured, when the processor determines that the invoice satisfies the one or more predetermined criteria, to convert the first payment method to a second payment method, and the second payment method provides for an accelerated payment as compared to the first payment method. The criteria for acceleration may include vendor preferences, and/or terms of a subscription service. | 08-28-2014 |
20140241609 | MOBILE CHECK ISSUE CAPTURE SYSTEM AND METHOD - A system and method is presented for assembling information contained within a financial instrument for subsequent verification of the financial instrument, wherein the financial instrument includes an identifier corresponding to a payee of the financial instrument. An imaging device, such as, for example, a mobile phone or the like, is used to obtain an image of the financial instrument prior to the financial instrument being transferred to the payee. Information is extracted from the image of the financial instrument, and the information is transferred to a storage area that is separate and remote from the imaging device. | 08-28-2014 |
20130339187 | System for Delivering Invoices Over a Secure Messaging Network - A system for delivering invoices over the SWIFT Network to a community of buyers comprises an invoice viewer at each buyer's location, each connected to a shared data center over the Internet. The shared data center comprises a SWIFT interface and BIC for receiving, and a database for storing, invoice objects for each buyer. At a first invoice object includes identification of a first buyer and at least a second invoice object includes identification of a second buyer. A group of buyer records associated each unique buyer with unique access credentials. A delivery application provides a connecting buyer's invoice objects in response to a web services call from the connecting buyer. An invoice viewer generates the web services call, receives the response, and renders a user interface displaying information from each interface object. | 12-19-2013 |
20130317985 | SYSTEM AND METHOD FOR ASSIGNING AN INITIAL TRANSACTION FEE TIER TO A VENDOR IN A PAYMENT SYSTEM WITH A VARIABLE TRANSACTION FEE - A system for making payments from each payer of a community of payers to each vendor of a community of vendors assesses a variable transaction fee to each vendor. The system comprises a database which associates, for each payer, identification a selected rate tier assigned to each vendor. A rate tier assignment application determines an initial rate tier to assign to a vendor by: i) determining an industry sensitivity score, the industry sensitivity score being representative of how sensitive a typical vendor in the same type of business as the vendor is to payment of transaction fees; ii) determining a payer centric spend score; iii) determining a payer centric frequency score; iv) determining a network spend score; and iv) determining a network frequency score. These scores are used to determine an initial rate tier to associate with the vendor. A payment application, when making payment from the payer to the vendor, determines a transaction fee to apply to the payment, the transaction fee being a product of the amount of the payment and the transaction rate associated with the selected rate tier. | 11-28-2013 |
20130145443 | APPLICATION SECURITY SYSTEM AND METHOD - According to an aspect, a computing device includes a processor; a computer readable memory; a display screen; a touch sensitive panel overlying the display screen; and computing device application instructions coded in the computer readable memory and executed by the processor to: display a user-selectable photograph on the display screen, the user-selectable photograph including a group of fiducials, generate captured pattern data, the captured pattern data representing coordinate values on the touch sensitive panel where touched by a user, and provide for authentication of the user based on a comparison of the captured pattern data and respective locations of the group of fiducials included in the user-selectable photograph. | 06-06-2013 |
20130144782 | ELECTRONIC INVOICE PAYMENT PREDICTION SYSTEM AND METHOD - A system and method is presented for predicting a status change of a particular invoice from among a plurality of invoices within a database, where an invoice status relates to an event occurring in a timeline of events associated with payment of the invoice. The system and method may predict when the status of the particular invoice will change by analyzing those invoices of the plurality of invoices that are associated with a given buyer, where the given buyer is the buyer associated with the particular invoice. The prediction may be a function of the date of a previous event in the sequence of events associated with the particular invoice and an average timeline of events associated with payment of invoices by the given buyer. | 06-06-2013 |
20130014248 | Mobile application security system and method - A system for authenticating the user of a computing device comprises an authorized user directory. Each record is uniquely associated with an authorized user and includes at least a computing device ID value that is a globally unique value assigned to the authorized user's computing device, a group of unique depictions such as photographs, an identification of a key depiction. Portions of each image form fiducials recognizable by the user. The record further includes trace pattern verification data representing continuous trace strokes between pairs of the fiducials within the key depiction. To authenticate, the group of images are displayed to the user. The user must first select the key image and secondly trace continuous trace strokes between the pairs of fiducials to match the trace pattern verification data. | 01-10-2013 |
20120330805 | Electronic Invoice and Payment System with Graphic Invoice Approval and Payment Status Reporting. - A system includes an invoice application which, in response to a report request comprising access credentials of a connecting vendor, obtains a list of the vendor's open invoices from a database and generates a report document. The report document comprises a group of horizontal rows, each row representing a unique one of the vendor's invoices. Each row comprises an invoice identifier and a multi-segment status control. The status control comprises a group of segments within the horizontal row, with each segment representing a unique one of the steps the buyer performs to approve and pay the invoice. Each segment is a first color if the segment represents a processing step that the buyer has not yet performed and a second color if the segment represents a processing step that the buyer has completed. | 12-27-2012 |
20120290479 | Integration of a Payment Network with Systems of Multiple Participating Banks - A payment system making payments from each payer of a community of payers to each vendor of a community of vendors. The payers are grouped into mutually exclusive sub groups, each being associated with one of a group of participating banks. Upon receipt of a payment instruction file from a bank, including instructions for executing payments from payers in the subgroup associated with the bank to various vendors, the system: i) obtains authorization of a funding amount for each payer; ii) provides a transaction to transfer the funding amount from the payer's account to a pooling account held by the originating bank; and iii) after receipt of the funding amount in the pooling account, provides an EFT file for payment of the vendors. Multiple banks are supported. The vendors are not associated with any particular bank. | 11-15-2012 |
20120290474 | Payment Network Facilitating Multi-Currency Trade Finance - A system makes payments to vendors, including providing early pay financing of vendor's invoice in a multicurrency environment. Each invoice specifies a transaction currency. At least one of the transaction currency, a payer funding currency, the vendor remittance currency, and the finance currency is of a different currency denomination than the other two. A financier funding amount is the net payment converted to the financier currency at a market exchange rate plus a margin. A vendor resulting remittance is the net payment converted to the vendor remittance currency at a market exchange rate plus a margin. Early payment includes receiving, in a settlement account denominated in the financer currency, the financer funding amount and generating a payment of the resulting remittance amount to a vendor remittance account from a settlement account denominated in the vendor remittance currency. | 11-15-2012 |
20120290471 | Payment Network with Multiple Vendor Participation Levels - A system makes payments from a community of payers to a community of vendors, assesses a transaction fee to the vendor on each payment, and provides a level of service to each vendor based on aggregate transaction fees. The system determines a transaction fee for each payment by looking up a fee rate applicable to payments from the payer to the vendor and multiplying the payment amount by the fee rate. Each vendor is assigned to a service tier based on aggregate transaction fees charged over a period of time. If the aggregate transaction fee is lower than a threshold, the vendor is assigned to tier one. If the aggregate transaction fee is greater then the threshold and less than a second threshold, the vendor is assigned to tier two. If the aggregate transaction fee is greater than the second threshold, the vendor is assigned to tier three. | 11-15-2012 |
20120290469 | System and method for assigning an initial transaction fee tier to a vendor in a payment system with a variable transaction fee - A system for making payments from each payer of a community of payers to each vendor of a community of vendors assesses a variable transaction fee to each vendor. The system comprises a database which associates, for each payer, identification a selected rate tier assigned to each vendor. A rate tier assignment application determines an initial rate tier to assign to a vendor by: i) determining an industry sensitivity score, the industry sensitivity score being representative of how sensitive a typical vendor in the same type of business as the vendor is to payment of transaction fees; ii) determining a payer centric spend score; iii) determining a payer centric frequency score; iv) determining a network spend score; and iv) determining a network frequency score. These scores are used to determine an initial rate tier to associate with the vendor. A payment application, when making payment from the payer to the vendor, determines a transaction fee to apply to the payment, the transaction fee being a product of the amount of the payment and the transaction rate associated with the selected rate tier. | 11-15-2012 |
20120290400 | System and method for facilitating the onboarding of target vendors to an electronic payment system - A system for facilitating on-boarding of target vendors to an electronic payment system comprises a vendor community database with a group of target vendor records, each associated with identification of one or more payers. In association with each payer is identification of a payer aggregate spend value and a target transaction fee rate. The target transaction fee rate may be a fractional value which, when multiplied by the payer spend value, yields an aggregate transaction fee. Machine readable instructions determine, for each target vendor, a target vendor priority value as a function of the aggregate spend value for all payers and the transaction fee rate of each customer payer. The machine readable instructions further comprise generating a target vendor report which includes identification of each target vendor and, in association with the identification of the target vendor, the target vendor priority value. | 11-15-2012 |
20120290382 | Electronic payment system with payer controlled transaction fees and variable rebate capabilities - A system makes payments from each payer of a community of payers to each vendor of a community of vendors, assesses a variable transaction fee to each vendor, and provides a variable rebate to each payer. The transaction fee is “variable” because it may be varied: i) amongst vendors (the same payer may use different fee rates for different vendors); and ii) amongst payers (the same vendor may be subjected to different rates, based on the payer making the payment). The variable rebate is based on the total transaction fee applicable to payments made by the payer during a period of time. The rebate may be the sum of: i) the product of the total transaction fee multiplied by a base rebate percentage; and ii) the product of that portion of the total transaction fee in excess of an accelerator threshold multiplied by an accelerated rebate percentage. | 11-15-2012 |
20120290381 | Electronic payment system with variable transaction fee and variable rebate capabilities - A system for making payments from each payer of a community of payers to each supplier of a community of suppliers assesses a variable transaction fee to each supplier. The system comprises a database which associates, for each payer, identification of a group of transaction rates to apply to payments made by the payer. Associated with each transaction rate is a subgroup of suppliers to which the transaction rate applies on payments made by the payer. In response to receiving a payment instruction, a payment application generates a credit transaction to the account of the supplier in the amount of the payment less a transaction fee. The transaction fee is the amount of the first payment multiplied by the transaction rate, of the group of transaction rates associated with the payer, that associates with the subgroup of suppliers to which the first supplier is associated. | 11-15-2012 |
20120290379 | System and method for facilitating the onboarding of prospective payersto an electronic payment system. - A system for marketing, to a prospective payer, a system which automates payments to enrolled vendors. The system comprises a vendor history file received from the prospective payer which associates identifying attributes and annual spend value with each target vendor to which the payer makes payments. Marketing instructions include, for each target vendor, determining a rebate potential by: i) using the identifying attributes to determine a industry code to associate with the target vendor; ii) using the industry code to look up a sensitivity rating; iii) calculating a transaction fee rate as a function of the sensitivity rating; and iv) calculating rebate potential as the product of the spend value multiplied by the transaction fee rate. An onboard report includes identification of the prospective payer and in association with the identification of the prospective payer, the rebate potential. | 11-15-2012 |
20120197795 | Integrated Payment System - A payment system executes payments from payers to vendors. An unattended interface system automates the uploading of payments file from each payer to the system. A web services transfer server performs the unattended transfer. Steps of a payment server generating an electronic funds transfer file with a group of fund transfer records for each payment represented by a record of the payment file. After the electronic funds transfer file is complete, the steps further comprise transferring the electronic fund transfer file to an electronic payment network for execution. Remittance records are transferred to the vendor utilizing an unattended transfer executed by the web services transfer server. | 08-02-2012 |
20100223185 | SYSTEM AND METHOD FOR PROVIDING SUPPLEMENTAL TRANSACTION PROCESSING SERVICES TO USERS OF A PRIMARY FINANCIAL SERVICES SYSTEM. - A supplemental financial transaction processing system operates with a primary financial services system to providing financial transaction processing services to a client system which has established a secure session with the primary financial services system. A transaction request includes a financial institution identifier identifying the primary financial services system and at least one primary system defined transaction value. A secure web services system, in response to receiving the transaction request: i) assigns a unique redirect URL to the transaction request, ii) stores, in a redirect database, in association with the unique redirect URL, the primary system defined transaction value; and iii) returns the unique redirect URL to the primary financial services system. A web document object comprises: i) the at least one primary system defined transaction value; ii) at least validation value; iii) user interface control script, the user interface control script comprising instructions which render, on the client system, controls for obtaining user entry of at least one client defined transaction value; and iv) validation control script, the validation control script determining that the transaction is valid; and v) transaction control script, the transaction control script comprising instructions which create and post a financial transaction back to the supplemental transaction server only if the transaction is valid. The supplemental transaction server: i) providing the web document object to the client system in response to receiving a secure connection by the client system at the unique redirect URL; ii) receiving a post of the financial transaction from the client system; and iii) performing at least one of: i) writing the financial transaction to a transaction database; or ii) forwarding the financial transaction to a processing system distinct from the supplemental transaction processing system. | 09-02-2010 |
20090293107 | Transfer server of a secure system for unattended remote file and message transfer - A method for automatically transferring a data file from a network drive of a client controlled local area network to a transfer server over the Internet comprises using a first workstation to configure event parameters within event tables of the transfer server. An unattended interface module executed by a processor of a second workstation obtains, from the transfer server, the event parameters stored in the event tables. The event parameters comprise a file name and a directory path. The file name identifies the data file to be uploaded. The directory path identifies an upload directory of the network drive. The second workstation periodically searches the upload directory and, upon locating a data file in the upload directory with the file name, transfers the data file to the transfer server over a secure connection established with the transfer server over the internet. | 11-26-2009 |
20090150287 | System and method for providing supplemental transaction processing services to users of a primary financial services system - A supplemental financial transaction processing system operates in conjunction with one or more primary financial services systems for purposes of providing supplemental financial transaction processing services to users of the primary financial services system. The supplemental financial transaction processing system comprises a secure web services system and a supplemental transaction server. The secure web services system comprises at least one financial transaction method available to the primary financial services system. Upon receipt of a method call for a financial transaction, the supplemental financial transaction processing system: i) associates a unique redirect URL to the method call; and ii) returns the unique redirect URL to the primary financial services system. The primary financial services system may then pass the unique redirect URL through a secure connection with its client. The supplemental transaction server, upon a client requesting an HTTPS connection to the unique redirect URL, verifies the validity of the unique redirect URL. If valid, a web document object is provided for rendering by the client. The web document object comprises: i) the financial institution defined transaction values (at least one); ii) user interface control script for rendering of controls for obtaining user entry of at least one client defined transaction value; and iii) transaction control script. The transaction control script comprises instructions for i) creating a financial transaction; ii) validating the financial transaction; and iii) posting the validated transaction back to the supplemental financial transaction server. | 06-11-2009 |
20080270293 | Accounts payable automation system with automated discount and factoring management - An accounts payable automation server system with integrated discount and factoring management, the system comprises an invoice loader receiving invoice data. The invoice data includes at least a vendor element and an amount payable element. The vendor element identifies a vendor and the amount payable element identifies consideration payable by the customer to the vendor. Customer user access workflows present, to a customer system, the invoice data. Finance company user access workflows: i) present, to a finance system, the vendor element and the amount payable element; and ii) receive, from the finance system, an offer of early payment in exchange for a discount of the consideration payable. Vendor user access workflows: i) present, to the vendor system, the offer of early payment in exchange for a discount of the consideration payable; and ii) receive an acceptance of the offer from the vendor system. The finance company user access workflows further, upon acceptance of the offer, present, to the finance system, an indication of the acceptance of the offer. Further, upon payment of a discounted amount from the finance company to the vendor, a direction to transfer payment of the consideration to the finance company is recorded. | 10-30-2008 |
20080252924 | System and method for transferring invoice data output of a print job source to an automated data processing system - A data capture system receives a sequence of output document objects and, for each output document object, writes output data values to an output data structure. The system includes a data storage, a first tier data extraction system and at least a second tier data extraction system. The first tier data extraction system is adapted to receive each output document object. Each output document object may be in a print language format comprising a plurality of print elements. For each required invoice data element, the first tier data extraction system obtains identification of a positional element value from a positional data set that includes, as its invoice data element, identification of the required invoice data element; and, if the output document object includes a qualifying text string, writes an output data value to the output data structure in association with identification of the required invoice data element. If the output document object does not include a qualifying text string, the first tier data extraction system identifies the output document object for tier two processing. The second tier data extraction system receives each output document identified for tier two processing, performs character recognition on a graphical representation thereof and, for each required invoice data element, writes an output data value to the output data structure in association with identification of the required invoice data element. | 10-16-2008 |