Simple on-line payments facility

US7814017B2 · kind B2 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Adam E. Vancini · Concord, US
• Timothy J. Dailey · Sacramento, US
• Candie L. Gann · Pittsburg, US
• Timothy L. Coffing · Ross, US
• Nancy T. Riter · Pleasanton, US
• Ajay Vaishampayan · Fremont, US
• Aric B. Clark · Mill Valley, US

Key dates

• Filing date: Jun 16, 2006
• Grant date: Oct 12, 2010
• Expiry date: Jan 14, 2027

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

The invention provides a payment interface that is both simple and powerful: one that supports multiple users per customer, with proper roles and financial controls; that hides the details of the underlying payment system(s) and automatically routes payments to the appropriate system; that allows the user to create, save, and schedule groups of payments, where those groups are independent of grouping capabilities of the underlying payment system(s); that provides notification of important events to users and payment recipients; and that automatically processes and takes proper action when it encounters exception conditions.