Behram M Panthaki

20080015982, Jan 17, 2008

Jul 19, 2007

11/879818

Jeremy Sokolic - New York NY, US
Sanjeev Dheer - Scarsdale NY, US
Behram Panthaki - Jersey City NJ, US
Azeem Sattar - Santa Clara CA, US
Aaron Rudenstine - New York NY, US

G06Q 40/00

705039000

Embodiments described herein include a financial management system that transfers funds on behalf of a user. Embodiments further include a payment enabled invoice method and system including a payment application and payment hubs through which invoicing entities may create and modify invoices, and through which a payer may view and pay the invoices. The invoicing entity and the payer do not exchange financial account information, which is confidentially held by the payment enabled invoice system. Invoices are paid according to funds transfer embodiments, wherein a transfer comprises the financial management system executing a debit transaction from a first financial institution, holding the debited funds in an intermediary account owned by the financial management system at a second financial institution, and executing a credit transaction to credit the funds to an account at a third financial institution.

20080288376, Nov 20, 2008

Apr 24, 2008

12/109318

Behram Panthaki - Jersey City NJ, US
Aaron Rudenstine - New York NY, US
Jeremy Sokolic - New York NY, US
Amir Sunderji - San Jose CA, US
Sanjeev Dheer - Scarsdale NY, US
Neil Platt - New York NY, US
Demetris Papademetriou - New York NY, US

CASHEDGE, INC. - New York NY

G06Q 20/00
G06Q 10/00
G06Q 40/00
G06Q 30/00

705 30, 705 40

Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). In another embodiment, a financial management system hosts a “central payment hub” version of the CET service. The central payment hub is an industrial utility in that multiple financial institutions all participate in a central service that can be offered to their respective customers. All of the customers (both individuals and small businesses) of the various institutions come to one consolidated payment hub. For example a Bank of America invoice can come into the payment hub, and a Wells Fargo invoice can come into the payment hub. The payment hub is a shared utility across multiple financial institutions. The payment hub features a single registration at the payment hub across all of the participating financial institutions.

20080288400, Nov 20, 2008

Apr 24, 2008

12/109309

Behram Panthaki - Jersey City NJ, US
Aaron Rudenstine - New York NY, US
Jeremy Sokolic - New York NY, US
Amir Sunderji - San Jose CA, US
Sanjeev Dheer - Scarsdale NY, US
Neil Platt - New York NY, US
Demetris Papademetriou - New York NY, US

CashEdge, Inc. - New York NY

G06Q 20/00
G06Q 40/00

705 40

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 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.

20090276359, Nov 5, 2009

May 4, 2009

12/435393

Behram Panthaki - Garden City NY, US
Krishna Bhagavatula - Fremont CA, US
Richard Bowman - Edison NY, US
Vishal Bhatia - Santa Clara CA, US
Diya Parial - Fremont CA, US
Nash Ali - Santa Clara CA, US
Amir Sunderji - San Jose CA, US
Jeremy Sokolic - New York NY, US
Yonghui Zhang - Fremont CA, US

CASHEDGE, INC. - New York NY

G06Q 40/00

705 44, 705 39

Described herein is a multi-product-multi-channel payment platform system and apparatus that extends the capability of current online banking/funds-transfer systems. Different types of financial accounts are modeled in a financial management system to enable types of online, electronic funds transfer transaction that were not previously possible. Among novel elements of the system and apparatus disclosed is the enablement of real-time application of rules to different types of financial accounts and/or products across channels, such as how much money may be deposited or withdrawn in a period of time.

20100030687, Feb 4, 2010

Jan 21, 2009

12/357308

Behram Panthaki - Garden City NY, US
Jeremy N. Sokolic - New York NY, US
Demetris Papademetriou - New York NY, US
Amir Sunderji - San Jose CA, US

CASHEDGE, INC. - New York NY

G06Q 40/00

705 43, 705 42

Embodiments of a system for providing a financial management system to facilitate the transfer of funds among accounts held at different financial institutions and over different networks are described. The system performs a transaction involving a withdrawal of assets from a first account at a first financial institution and a deposit of at least a portion of the withdrawn assets to a second account at a second financial institution. The account user can select between real-time transactions and standard transactions. Real-time transactions are executed over an ATM network coupling the first financial institution and the second financial institution, and standard transactions are executed over an ACH network coupling the first financial institution and the second financial institution.

20110313921, Dec 22, 2011

Dec 14, 2010

12/968189

Sanjeev Dheer - New York NY, US
Behram Panthaki - Garden City NY, US
Krishna Bhagavatula - Fremont CA, US
David Cooper - Los Gatos CA, US
Neil Platt - Brooklyn NY, US
Tammi Shapiro - New York NY, US
Gregg Smelker - Denver CO, US

G06Q 40/00

705 42

A method and apparatus for internetworking multiple person-to-person (P2P) payment networks and financial institutions is disclosed. Embodiments include receiving a request to send funds from a payor, the request containing one of the payee's email address and mobile phone number; determining whether the payee is registered with a network financial institution that is within a P2P network of the payer (the originating P2P network), wherein determining includes matching one of the payee's email address and mobile phone number; if the payee is registered within the originating P2P network financial institution, transferring the funds to the payee account at the network financial institution and notifying the payee and posting the transaction on the network financial institution web site; and if the payee is not registered within the originating P2P network determining whether the payee is registered with any second payment network connected to the internetwork payment hub with which the originating network is connected wherein determining includes matching one of the email or mobile phone number of the payee specified by the payor.

20120245983, Sep 27, 2012

Jun 4, 2012

13/488403

Behram Panthaki - Jersey City NJ, US
Aaron Rudenstine - New York NY, US
Jeremy Sokolic - New York NY, US
Amir Sunderji - San Jose CA, US
Sanjeev Dheer - Scarsdale NY, US
Neil Platt - New York NY, US
Demetris Papademetriou - New York NY, US

FISERV, INC. - Brookfield WI

G06Q 30/06
G06Q 30/02

705 144, 705 39, 705 2641

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 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.

20130198061, Aug 1, 2013

Jan 22, 2013

13/747341

Behram Panthaki - Garden City NY, US
Krishna Bhagavatula - Fremont CA, US
David Cooper - New York NY, US
Neil Platt - New York NY, US
Tammi Shapiro - New York NY, US
Greg Smelker - New York NY, US

CASHEDGE, INC. - New York NY

G06Q 20/22

705 39

A method and apparatus for internetworking multiple person-to-person (P2P) payment networks and financial institutions is disclosed. Embodiments include receiving a request to send funds from a payor, the request containing one of the payee's email address and mobile phone number; determining whether the payee is registered with a network financial institution that is within a P2P network of the payer (the originating P2P network), wherein determining includes matching one of the payee's email address and mobile phone number; if the payee is registered within the originating P2P network financial institution, transferring the funds to the payee account at the network financial institution and notifying the payee and posting the transaction on the network financial institution web site; and if the payee is not registered within the originating P2P network determining whether the payee is registered with any second payment network connected to the internetwork payment hub with which the originating network is connected wherein determining includes matching one of the email or mobile phone number of the payee specified by the payor.