Patents Assigned to CashEdge, Inc.
  • Publication number: 20140046820
    Abstract: 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: Application
    Filed: October 18, 2013
    Publication date: February 13, 2014
    Applicant: CashEdge, Inc.
    Inventors: Amir Sunderji, Venkatachari Dilip, Sanjeev Dheer
  • Patent number: 8266065
    Abstract: 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: Grant
    Filed: November 30, 2007
    Date of Patent: September 11, 2012
    Assignee: Cashedge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
  • Patent number: 8255336
    Abstract: 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: Grant
    Filed: November 30, 2007
    Date of Patent: August 28, 2012
    Assignee: Cashedge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
  • Patent number: 8249983
    Abstract: 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: Grant
    Filed: December 31, 2001
    Date of Patent: August 21, 2012
    Assignee: Cashedge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
  • Patent number: 8229850
    Abstract: 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: Grant
    Filed: November 30, 2007
    Date of Patent: July 24, 2012
    Assignee: CashEdge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
  • Patent number: 8086508
    Abstract: A delegated authority system allows an account holder to delegate authority to one or more individuals, such as financial advisors through a third party service. An individual receives authority to access financial accounts and/or access aggregated financial data. The individual may then retrieve account information from the individual accounts or from the aggregated financial data. In on exemplary system, the account information is accessed via the Internet or another data communication network.
    Type: Grant
    Filed: April 26, 2002
    Date of Patent: December 27, 2011
    Assignee: CashEdge, Inc.
    Inventors: Sanjeev Dheer, Venkatachari Dilip, Roy Messing, Jeremy Sokolic, Manu Sareen, Gautam Sinha
  • Patent number: 7873677
    Abstract: Data is captured from a web site or other data source. Data is extracted from the web page using a data harvesting script or other data acquisition routine. The extracted data is then normalized and stored in a database. If data cannot be extracted from the web page, a copy of the captured web page is stored without personal information contained in the web page. The data harvesting script is then edited based on an analysis of the captured web page.
    Type: Grant
    Filed: August 22, 2005
    Date of Patent: January 18, 2011
    Assignee: Cashedge, Inc.
    Inventors: Roy Messing, Jeremy N. Sokolic, Sanjeev Dheer, Venkatachari Dilip
  • Patent number: 7797207
    Abstract: A system analyzes multiple financial accounts having a common account holder and identifies a particular attribute, such as interest rate, associated with each of the multiple financial accounts. The system then makes a determination regarding whether an adjustment of funds among the multiple financial accounts would benefit the account holder. If the adjustment of funds would benefit the account holder, then recommending the adjustment of funds to the account holder and offering to perform the recommended adjustment of funds. The system executes the adjustment of funds if the account holder accepts the offer to perform the recommended adjustment of funds.
    Type: Grant
    Filed: July 24, 2000
    Date of Patent: September 14, 2010
    Assignee: CashEdge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dheer
  • Patent number: 7657761
    Abstract: A user is presented with multiple modes of operation, such that the multiple modes of operation define different trust options for handling data (such as login credentials or other sensitive data) associated with the user. A selection of one of the multiple modes of operation is received from the user. Data associated with the user is handled in accordance with the selected mode of operation.
    Type: Grant
    Filed: March 5, 2007
    Date of Patent: February 2, 2010
    Assignee: CashEdge, Inc.
    Inventors: Jeremy N. Sokolic, Sanjeev Dheer, Venkatachari Dilip
  • Patent number: 7536340
    Abstract: A compliance monitoring system and method identifies an individual or entity to be monitored for account compliance and receives account information associated with the individual or entity. The compliance monitoring system and method obtains holdings in the account and determines whether the holdings in the account comply with a predetermined rule.
    Type: Grant
    Filed: December 18, 2003
    Date of Patent: May 19, 2009
    Assignee: CashEdge, Inc.
    Inventors: Sanjeev Dheer, Jeremy N. Sokolic
  • Patent number: 7505937
    Abstract: A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second financial institution. The first account and the second account have a common account holder. The withdrawal and deposit of assets may be initiated after analyzing multiple accounts of the account holder and determining whether an adjustment of funds among the multiple accounts would benefit the account holder. A debit instruction is used to initiate the withdrawal of assets and a credit instruction is used to initiate the deposit of the withdrawn assets. The withdrawal and deposit of assets can be implemented using one or more payment networks, debit networks, or a wire transfer between the two financial institutions.
    Type: Grant
    Filed: January 25, 2007
    Date of Patent: March 17, 2009
    Assignee: CashEdge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dheer
  • Publication number: 20090024505
    Abstract: Embodiments of a Global Risk Administration (GRA) method and system include a GRA tool that assists an institution with various decision making processes by enabling the institution to customize the GRA tool to generate decisions based on information input by the institution or a customer of the institution. The GRA tool further accesses third party data sources for the purpose of verifying information and gathering additional information to be used in generating decisions. The data sources are selectable by the institution as an aspect of the customization in an embodiment. In an embodiment, the institution is a financial institution (FI), and customizing the GRA tool involves an FI user assigning attribution rules using, wherein attribution rules comprise characteristics of applicants for financial accounts.
    Type: Application
    Filed: June 30, 2008
    Publication date: January 22, 2009
    Applicant: CashEdge, Inc.
    Inventors: Amit R. Patel, Song Ting Ceng, Girish Narang, Jeremy Sokolic
  • Publication number: 20080288400
    Abstract: 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: Application
    Filed: April 24, 2008
    Publication date: November 20, 2008
    Applicant: CashEdge, Inc.
    Inventors: Behram Panthaki, Aaron Rudenstine, Jeremy Sokolic, Amir Sunderji, Sanjeev Dheer, Neil Platt, Demetris Papademetriou
  • Patent number: 7383223
    Abstract: A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second financial institution. The first account and the second account have a common account holder. The withdrawal and deposit of assets may be initiated after analyzing multiple accounts of the account holder and determining whether an adjustment of funds among the multiple accounts would benefit the account holder. A debit instruction is used to initiate the withdrawal of assets and a credit instruction is used to initiate the deposit of the withdrawn assets. The withdrawal and deposit of assets can be implemented using one or more payment networks, debit networks, or a wire transfer between the two financial institutions.
    Type: Grant
    Filed: September 20, 2000
    Date of Patent: June 3, 2008
    Assignee: CashEdge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dhcer
  • Publication number: 20080086403
    Abstract: 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: Application
    Filed: November 30, 2007
    Publication date: April 10, 2008
    Applicant: CashEdge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
  • Publication number: 20080086426
    Abstract: 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: Application
    Filed: November 30, 2007
    Publication date: April 10, 2008
    Applicant: CashEdge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
  • Publication number: 20080082454
    Abstract: 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: Application
    Filed: November 30, 2007
    Publication date: April 3, 2008
    Applicant: CashEdge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dheer, Amir Sunderji, Param Singh
  • Patent number: 7321875
    Abstract: A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second financial institution. The first account and the second account have a common account holder. The withdrawal and deposit of assets may be initiated after analyzing multiple accounts of the account holder and determining whether an adjustment of funds among the multiple accounts would benefit the account holder. A debit instruction is used to initiate the withdrawal of assets and a credit instruction is used to initiate the deposit of the withdrawn assets. The withdrawal and deposit of assets can be implemented using one or more payment networks, debit networks, or a wire transfer between the two financial institutions.
    Type: Grant
    Filed: January 25, 2007
    Date of Patent: January 22, 2008
    Assignee: CashEdge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dheer
  • Patent number: 7321874
    Abstract: A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second financial institution. The first account and the second account have a common account holder. The withdrawal and deposit of assets may be initiated after analyzing multiple accounts of the account holder and determining whether an adjustment of funds among the multiple accounts would benefit the account holder. A debit instruction is used to initiate the withdrawal of assets and a credit instruction is used to initiate the deposit of the withdrawn assets. The withdrawal and deposit of assets can be implemented using one or more payment networks, debit networks, or a wire transfer between the two financial institutions.
    Type: Grant
    Filed: January 25, 2007
    Date of Patent: January 22, 2008
    Assignee: CashEdge, Inc.
    Inventors: Venkatachari Dilip, Sanjeev Dheer
  • Patent number: 7203845
    Abstract: A user is presented with multiple modes of operation, such that the multiple modes of operation define different trust options for handling data (such as login credentials or other sensitive data) associated with the user. A selection of one of the multiple modes of operation is received from the user. Data associated with the user is handled in accordance with the selected mode of operation.
    Type: Grant
    Filed: January 11, 2002
    Date of Patent: April 10, 2007
    Assignee: CashEdge, Inc.
    Inventors: Jeremy N. Sokolic, Sanjeev Dheer, Venkatachari Dilip