CASH FLOW MANAGEMENT
First Claim
Patent Images
1. A system, comprising:
- a memory device storing merchant financial account information; and
one or more processors in communication with the memory device and operable to;
receive a date for which a cash flow position is to be calculated;
analyze merchant financial account information;
generate a merchant cash flow forecast based on the merchant financial account information as of the date; and
provide one or more options to assure that a positive cash flow position is achieved on the date, wherein the one or more options comprises a business loan option and a promotion option.
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Abstract
Methods and systems for managing merchant cash flow are described. A service provider accesses a large volume of merchant financial data collected and/or received to provide a meaningful forecast on merchant cash flow. Based on the forecast (e.g., positive or negative cash flow position), the service provider can provide options (e.g., credit, loan, deferred payment, etc.) to the merchant.
52 Citations
20 Claims
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1. A system, comprising:
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a memory device storing merchant financial account information; and one or more processors in communication with the memory device and operable to; receive a date for which a cash flow position is to be calculated; analyze merchant financial account information; generate a merchant cash flow forecast based on the merchant financial account information as of the date; and provide one or more options to assure that a positive cash flow position is achieved on the date, wherein the one or more options comprises a business loan option and a promotion option. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for managing a merchant cash flow, comprising:
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receiving, by one or more hardware processors of a service provider, a date for which a cash flow position is to be calculated; analyzing merchant financial account information; generating a merchant cash flow forecast based on the merchant financial account information as of the date; and providing one or more options to assure that a positive cash flow position is achieved on the date, wherein the one or more loan options comprises a loan option. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors, are adapted to cause the one or more processors to perform a method comprising:
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receiving, by a service provider, a date for which a cash flow position is to be calculated; analyzing merchant financial account information; generating a merchant cash flow forecast based on the merchant financial account information as of the date; and providing one or more options to assure that a positive cash flow position is achieved on the date, wherein the one or more options comprises a loan option. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification