Gabriela B Crespo

US Patent:

20030236726, Dec 25, 2003

Filed:

Feb 5, 2003

Appl. No.:

10/358801

Inventors:

Eddy Almonte - Brooklyn NY, US
Steven Aponte - Staten Island NY, US
Luiz Couto - Miami FL, US
Gabriela Crespo - North Bergen NJ, US
Nageswararao Dasari - Sewaren NJ, US
Nina Eckstein - Tinton Falls NJ, US
Joseph Fernandez - River Vale NJ, US
Bill Gilbert - L. Niguel CA, US
Gordon Joost - Shelter Island NY, US
George Kreiner - Chestnut Ridge NY, US
Subramaniam Krishnan - Westfield NJ, US
Ramaswamy Mahavan - Rego Park NY, US
Arthur McGrath - Brooklyn NY, US
Colleen Wolfe - Summit NJ, US

Assignee:

American Express Travel Related Services Co., Inc.

International Classification:

G06F017/60

US Classification:

705/035000, 705/040000

Abstract:

A system for facilitating electronic transfer of funds includes a transfer administrator in communication with a transferor institution, one or more intermediary institution, and a transferee institution, the transferor institution having an account at the one or more intermediary institution. The transfer administrator may be configured to receive an incoming payment request designating said transferor institution, a quantity of funds to be transferred, and the transferee institution. The transfer administrator generates and issues a translated payment order based at least in part on the incoming payment request and configured to accomplish a transfer among the transferor institution, the one or more intermediary institution, and the transferee institution. Finally, the transfer administrator may facilitate processing of a balancing payment among the transferor institution, the one or more intermediary institution, and the transferee institution.

US Patent:

20060277143, Dec 7, 2006

Filed:

Aug 16, 2006

Appl. No.:

11/465033

Inventors:

Eddy Almonte - Brooklyn NY, US
Steven Aponte - Staten Island NY, US
Gennaro Bruni - East Hampton NY, US
Luiz Couto - Miami FL, US
Gabriela Crespo - North Bergen NJ, US
Nageswararao Dasari - Sewaren NJ, US
Nina Eckstein - Tinton Falls NJ, US
Joseph Fernandez - River Vale NJ, US
Bill Gilbert - L. Niguel CA, US
Gordon Joost - Shelter Island NY, US
George Kreiner - Chestnut Ridge NY, US
Subramaniam Krishnan - Westfield NJ, US
Ramaswamy Madhavan - Rego Park NY, US
Arthur McGrath - Brooklyn NY, US
Colleen Wolfe - Summit NJ, US

Assignee:

AMERICAN EXPRESS BANK LTD. - New York NY

International Classification:

G06Q 40/00

US Classification:

705039000

Abstract:

A system for facilitating electronic transfer of funds includes a transfer administrator in communication with a transferor institution, one or more intermediary institution, and a transferee institution, the transferor institution having an account at the one or more intermediary institution. The transfer administrator may be configured to receive an incoming payment request designating said transferor institution, a quantity of funds to be transferred, and the transferee institution. The transfer administrator generates and issues a translated payment order based at least in part on the incoming payment request and configured to accomplish a transfer among the transferor institution, the one or more intermediary institution, and the transferee institution. Finally, the transfer administrator may facilitate processing of a balancing payment among the transferor institution, the one or more intermediary institution, and the transferee institution.