SG11202103751SA - Transfers using credit accounts - Google Patents

Transfers using credit accounts

Info

Publication number
SG11202103751SA
SG11202103751SA SG11202103751SA SG11202103751SA SG11202103751SA SG 11202103751S A SG11202103751S A SG 11202103751SA SG 11202103751S A SG11202103751S A SG 11202103751SA SG 11202103751S A SG11202103751S A SG 11202103751SA SG 11202103751S A SG11202103751S A SG 11202103751SA
Authority
SG
Singapore
Prior art keywords
transfers
credit accounts
credit
accounts
Prior art date
Application number
SG11202103751SA
Inventor
Manish Deliwala
Patrick Dostal
Anil Dua
Adam Krochak
Raghu Mukund Shankar Simha
Vignesh Veeraiyan
Original Assignee
American Express Travel Related Services Co Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by American Express Travel Related Services Co Inc filed Critical American Express Travel Related Services Co Inc
Publication of SG11202103751SA publication Critical patent/SG11202103751SA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
    • G06F3/0481—Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
    • G06F3/0482—Interaction with lists of selectable items, e.g. menus
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W8/00—Network data management
    • H04W8/18—Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0876—Network architectures or network communication protocols for network security for authentication of entities based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • General Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Hardware Design (AREA)
  • Human Computer Interaction (AREA)
  • Databases & Information Systems (AREA)
  • Software Systems (AREA)
  • Computing Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Medicinal Preparation (AREA)
SG11202103751SA 2018-10-17 2019-10-17 Transfers using credit accounts SG11202103751SA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201862746866P 2018-10-17 2018-10-17
PCT/US2019/056642 WO2020081758A1 (en) 2018-10-17 2019-10-17 Transfers using credit accounts

Publications (1)

Publication Number Publication Date
SG11202103751SA true SG11202103751SA (en) 2021-05-28

Family

ID=70281223

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11202103751SA SG11202103751SA (en) 2018-10-17 2019-10-17 Transfers using credit accounts

Country Status (8)

Country Link
US (2) US20200126052A1 (en)
EP (1) EP3867845A4 (en)
JP (1) JP7376581B2 (en)
KR (1) KR20210095121A (en)
CN (1) CN113168623A (en)
AU (2) AU2019361981A1 (en)
SG (1) SG11202103751SA (en)
WO (1) WO2020081758A1 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112926971B (en) * 2021-03-23 2023-03-21 支付宝（中国）网络技术有限公司 Payment method and device based on stored value card
CN113222570B (en) * 2021-04-21 2024-02-23 中国银联股份有限公司 Payment method, platform device, system and storage medium
WO2023196350A1 (en) * 2022-04-05 2023-10-12 Apple Inc. User interfaces for initiating transactions
US20240095694A1 (en) * 2022-09-21 2024-03-21 Step Mobile, Inc. Dynamically guiding users to request valid payments
EP4361931A1 (en) * 2022-10-28 2024-05-01 Mastercard International Incorporated System for enabling payments

Family Cites Families (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5546523A (en) * 1995-04-13 1996-08-13 Gatto; James G. Electronic fund transfer system
WO2001059627A1 (en) 2000-02-10 2001-08-16 Fernando Munoz Transportation system for on-line transactions
JP2002279176A (en) * 2001-01-10 2002-09-27 Motohiko Nishida Account inquiry system
JP2003303284A (en) * 2002-04-08 2003-10-24 Hitachi Ltd Support system and method for selecting transferer account, and server for collecting and managing asset information
JP2004126907A (en) * 2002-10-02 2004-04-22 Bank Of Tokyo-Mitsubishi Ltd Device for selecting settlement financial institution, business server, and method of settlement
US8417636B2 (en) * 2003-09-30 2013-04-09 Federal Reserve Bank Of Atlanta Approving ACH operator processing of ACH payments based on an originating depository financial institution's approved originator list
US8626626B2 (en) * 2006-01-09 2014-01-07 Interest Capturing Systems, Llc Method of and system for capturing interest earned on the monetary value of transferred monetary rights managed on an internet-based monetary rights transfer (MRT) network supported by a real-time gross settlement (RTGS) system
US20090265272A1 (en) * 2007-10-17 2009-10-22 The Western Union Company Money transfers utilizing a unique receiver identifier
US7720764B2 (en) 2008-02-01 2010-05-18 Kenneth James Emerson Method, device, and system for completing on-line financial transaction
US9715709B2 (en) * 2008-05-09 2017-07-25 Visa International Services Association Communication device including multi-part alias identifier
US10380573B2 (en) * 2008-09-30 2019-08-13 Apple Inc. Peer-to-peer financial transaction devices and methods
CA2739926A1 (en) 2008-10-09 2010-04-15 Dynatax Solutions, Ltd. Flexible and adaptive accrual method and apparatus for calculating and facilitating compliance with taxes and other obligations
US20110213707A1 (en) * 2010-03-01 2011-09-01 Fiserv, Inc. Systems and methods for facilitating person-to-person payments
US20120011059A1 (en) * 2010-07-06 2012-01-12 Boku, Inc. Systems and Methods to Receive Funds via Mobile Devices
AU2012239839B2 (en) * 2011-04-05 2014-10-30 My Life It (Aust) Pty Ltd Financial transaction systems and methods
US20140032399A1 (en) 2012-07-30 2014-01-30 Ewise Systems Usa Inc. Electronic transaction system
WO2014205245A1 (en) * 2013-06-19 2014-12-24 KLOEPFER, Karen Intermediary payment and escrow system and method
US20160180304A1 (en) * 2014-12-17 2016-06-23 Bbva Compass Bancshares, Inc. Combined electronic payment and transfer for digital banking channels
US10104059B2 (en) * 2015-09-08 2018-10-16 Plaid Technologies, Inc. Secure permissioning of access to user accounts, including secure deauthorization of access to user accounts
US10387881B2 (en) * 2015-10-02 2019-08-20 Chicago Mercantile Exchange Inc. Virtual payment processing system
US20170364898A1 (en) * 2016-06-15 2017-12-21 SocialPay LLC Mobile payment system and method

Also Published As

Publication number Publication date
AU2023100031A6 (en) 2023-06-29
AU2023100031A4 (en) 2023-05-04
WO2020081758A1 (en) 2020-04-23
US20200126052A1 (en) 2020-04-23
CN113168623A (en) 2021-07-23
JP2022511384A (en) 2022-01-31
US20230222463A1 (en) 2023-07-13
AU2019361981A1 (en) 2021-05-13
EP3867845A1 (en) 2021-08-25
JP7376581B2 (en) 2023-11-08
KR20210095121A (en) 2021-07-30
EP3867845A4 (en) 2022-07-06

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