Patents by Inventor Amir Sunderji
Amir Sunderji has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20150170267Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: ApplicationFiled: February 23, 2015Publication date: June 18, 2015Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Patent number: 8874480Abstract: 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 a 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.Type: GrantFiled: June 4, 2012Date of Patent: October 28, 2014Assignee: Fiserv, Inc.Inventors: Behram Panthaki, Aaron Rudenstine, Jeremy Sokolic, Amir Sunderji, Sanjeev Dheer, Neil Platt, Demetris Papademetriou
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Publication number: 20140046820Abstract: A management system identifies an account holder and identifies multiple financial accounts associated with the account holder. The multiple financial accounts are associated with at least two different financial institutions. The multiple financial accounts are then authenticated. The management system aggregates financial transaction data associated with the multiple financial accounts and displays the aggregated financial transaction data.Type: ApplicationFiled: October 18, 2013Publication date: February 13, 2014Applicant: CashEdge, Inc.Inventors: Amir Sunderji, Venkatachari Dilip, Sanjeev Dheer
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Publication number: 20130232071Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: ApplicationFiled: December 31, 2012Publication date: September 5, 2013Applicant: CASHEDGE, INC.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Publication number: 20120265687Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: ApplicationFiled: June 29, 2012Publication date: October 18, 2012Applicant: CASHEDGE, INC.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Publication number: 20120245983Abstract: 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.Type: ApplicationFiled: June 4, 2012Publication date: September 27, 2012Applicant: FISERV, INC.Inventors: Behram Panthaki, Aaron Rudenstine, Jeremy Sokolic, Amir Sunderji, Sanjeev Dheer, Neil Platt, Demetris Papademetriou
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Patent number: 8266065Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: GrantFiled: November 30, 2007Date of Patent: September 11, 2012Assignee: Cashedge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Patent number: 8255336Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: GrantFiled: November 30, 2007Date of Patent: August 28, 2012Assignee: Cashedge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Patent number: 8249983Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: GrantFiled: December 31, 2001Date of Patent: August 21, 2012Assignee: Cashedge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Patent number: 8229850Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: GrantFiled: November 30, 2007Date of Patent: July 24, 2012Assignee: CashEdge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Publication number: 20100030687Abstract: 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.Type: ApplicationFiled: January 21, 2009Publication date: February 4, 2010Applicant: CASHEDGE, INC.Inventors: Behram Panthaki, Jeremy N. Sokolic, Demetris Papademetriou, Amir Sunderji
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Publication number: 20090276359Abstract: 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.Type: ApplicationFiled: May 4, 2009Publication date: November 5, 2009Applicant: CASHEDGE, INC.Inventors: Behram Panthaki, Krishna Bhagavatula, Richard Bowman, Vishal Bhatia, Diya Parial, Nash Ali, Amir Sunderji, Jeremy Sokolic, Yonghui Zhang
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Publication number: 20080288376Abstract: 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.Type: ApplicationFiled: April 24, 2008Publication date: November 20, 2008Applicant: CASHEDGE, INC.Inventors: Behram Panthaki, Aaron Rudenstine, Jeremy Sokolic, Amir Sunderji, Sanjeev Dheer, Neil Platt, Demetris Papademetriou
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Publication number: 20080288400Abstract: 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.Type: ApplicationFiled: April 24, 2008Publication date: November 20, 2008Applicant: CashEdge, Inc.Inventors: Behram Panthaki, Aaron Rudenstine, Jeremy Sokolic, Amir Sunderji, Sanjeev Dheer, Neil Platt, Demetris Papademetriou
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Publication number: 20080086403Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: ApplicationFiled: November 30, 2007Publication date: April 10, 2008Applicant: CashEdge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Publication number: 20080086426Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: ApplicationFiled: November 30, 2007Publication date: April 10, 2008Applicant: CashEdge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Publication number: 20080082454Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: ApplicationFiled: November 30, 2007Publication date: April 3, 2008Applicant: CashEdge, Inc.Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
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Publication number: 20070100748Abstract: Embodiments of a system for providing an integrated financial system to facilitate the transfer of funds among accounts held at different financial institutions and over different networks are described. The system executes 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 first account and the second account are maintained by different corporate entities, and may have the same or different account holders. The financial institutions are coupled to one another through different types of networks. The transaction is broken down into separate debit and credit legs.Type: ApplicationFiled: October 19, 2006Publication date: May 3, 2007Inventors: Sanjeev Dheer, Jeremy Sokolic, Amir Sunderji, Behram Panthaki
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Publication number: 20030236728Abstract: A management system identifies an account holder and identifies multiple financial accounts associated with the account holder. The multiple financial accounts are associated with at least two different financial institutions. The multiple financial accounts are then authenticated. The management system aggregates financial transaction data associated with the multiple financial accounts and displays the aggregated financial transaction data.Type: ApplicationFiled: March 28, 2003Publication date: December 25, 2003Inventors: Amir Sunderji, Venkatachari Dilip, Sanjeev Dheer
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Publication number: 20020091635Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.Type: ApplicationFiled: December 31, 2001Publication date: July 11, 2002Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh