AU2016294499A1 - Systems and methods for facilitating a secure transaction at a non-financial institution system - Google Patents

Systems and methods for facilitating a secure transaction at a non-financial institution system Download PDF

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Publication number
AU2016294499A1
AU2016294499A1 AU2016294499A AU2016294499A AU2016294499A1 AU 2016294499 A1 AU2016294499 A1 AU 2016294499A1 AU 2016294499 A AU2016294499 A AU 2016294499A AU 2016294499 A AU2016294499 A AU 2016294499A AU 2016294499 A1 AU2016294499 A1 AU 2016294499A1
Authority
AU
Australia
Prior art keywords
sender
recipient
financial institution
identifier
account
Prior art date
Legal status (The legal status 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 status listed.)
Abandoned
Application number
AU2016294499A
Other languages
English (en)
Inventor
Clinton Gilliam III
Michael Joseph Kennedy
Sergei Lilichenko
Melissa Lowry
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Early Warning Services LLC
Original Assignee
Early Warning Services LLC
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 Early Warning Services LLC filed Critical Early Warning Services LLC
Publication of AU2016294499A1 publication Critical patent/AU2016294499A1/en
Assigned to EARLY WARNING SERVICES, LLC reassignment EARLY WARNING SERVICES, LLC Request for Assignment Assignors: CLEARXCHANGE, LLC
Abandoned legal-status Critical Current

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
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • 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
    • G06Q20/401—Transaction verification
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
AU2016294499A 2015-07-13 2016-07-13 Systems and methods for facilitating a secure transaction at a non-financial institution system Abandoned AU2016294499A1 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201562192008P 2015-07-13 2015-07-13
US62/192,008 2015-07-13
PCT/US2016/042163 WO2017011596A1 (en) 2015-07-13 2016-07-13 Systems and methods for facilitating a secure transaction at a non-financial institution system

Publications (1)

Publication Number Publication Date
AU2016294499A1 true AU2016294499A1 (en) 2018-02-15

Family

ID=57757580

Family Applications (1)

Application Number Title Priority Date Filing Date
AU2016294499A Abandoned AU2016294499A1 (en) 2015-07-13 2016-07-13 Systems and methods for facilitating a secure transaction at a non-financial institution system

Country Status (7)

Country Link
EP (1) EP3323095A4 (zh)
JP (1) JP6727299B2 (zh)
KR (1) KR102634772B1 (zh)
CN (1) CN108027921B (zh)
AU (1) AU2016294499A1 (zh)
CA (1) CA2992457C (zh)
WO (1) WO2017011596A1 (zh)

Families Citing this family (31)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10395247B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc Systems and methods for facilitating a secure transaction at a non-financial institution system
US10318936B2 (en) 2012-03-07 2019-06-11 Early Warning Services, Llc System and method for transferring funds
US10970688B2 (en) 2012-03-07 2021-04-06 Early Warning Services, Llc System and method for transferring funds
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US10078821B2 (en) 2012-03-07 2018-09-18 Early Warning Services, Llc System and method for securely registering a recipient to a computer-implemented funds transfer payment network
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US10832246B2 (en) 2015-03-23 2020-11-10 Early Warning Services, Llc Payment real-time funds availability
US10748127B2 (en) 2015-03-23 2020-08-18 Early Warning Services, Llc Payment real-time funds availability
US10878387B2 (en) 2015-03-23 2020-12-29 Early Warning Services, Llc Real-time determination of funds availability for checks and ACH items
US10839359B2 (en) 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US10769606B2 (en) 2015-03-23 2020-09-08 Early Warning Services, Llc Payment real-time funds availability
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11151523B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11144928B2 (en) 2016-09-19 2021-10-12 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
CN111033547A (zh) * 2017-08-25 2020-04-17 谷歌有限责任公司 电子支付的移动设备安全性
US10530841B2 (en) 2017-10-03 2020-01-07 The Toronto-Dominion Bank System and method for transferring value between database records
US20200013028A1 (en) * 2018-07-09 2020-01-09 American Express Travel Related Services Company, Inc. Peer-to-peer money transfers
US10410190B1 (en) * 2018-07-31 2019-09-10 Morgan Stanley Services Group Inc. Network of computing nodes and a method of operating the computing nodes to effectuate real-time bank account-to-bank account money transfer
RU2716901C1 (ru) * 2018-12-24 2020-03-17 Акционерное общество "Национальная система платежных карт" Способы моментальных денежных переводов и система для реализации способов
KR102273695B1 (ko) * 2019-03-08 2021-07-06 대한민국(기획재정부장관) 입금 식별 코드를 이용한 국고 보조금 이체 방법 및 그 시스템
US11521249B2 (en) * 2019-03-13 2022-12-06 Stripe, Inc. Auto-reconciliation
CN110009351A (zh) * 2019-03-29 2019-07-12 上海盛付通电子支付服务有限公司 用于代发校验的方法与设备

Family Cites Families (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP4067630B2 (ja) * 1998-03-16 2008-03-26 富士通株式会社 金融処理装置および方法
CN1608267A (zh) * 2001-11-26 2005-04-20 埃帕西菲克公司 用于资金转帐的系统和方法
JP4404518B2 (ja) * 2002-04-17 2010-01-27 日本電気株式会社 送金システム、送金方法および送金プログラム
JP4234412B2 (ja) * 2002-12-12 2009-03-04 ヤフー株式会社 電子商取引に係わる代金の決済サービス方法、決済システム、コンピュータプログラム、プログラム格納媒体
CN101563704B (zh) * 2005-11-03 2012-07-04 支付途径股份有限公司 身份认证的方法和系统
US20080097873A1 (en) * 2006-06-05 2008-04-24 Elliot Cohen System for online travel planning and hotel selection
JP5334394B2 (ja) * 2006-09-19 2013-11-06 ヤフー株式会社 決済処理方法、決済処理システム、及び決済処理用プログラム
US7848980B2 (en) * 2006-12-26 2010-12-07 Visa U.S.A. Inc. Mobile payment system and method using alias
US20080249937A1 (en) * 2007-04-06 2008-10-09 Walls Robert K Payment card based remittance system with delivery of anti-money laundering information to receiving financial institution
US20100057614A1 (en) * 2008-08-26 2010-03-04 Qualcomm Incorporated System and method for effecting real-time financial transactions between delayed-settlement financial accounts
US20110145152A1 (en) * 2009-12-15 2011-06-16 Mccown Steven Harvey Systems, apparatus, and methods for identity verification and funds transfer via a payment proxy system
US8762284B2 (en) * 2010-12-16 2014-06-24 Democracyontheweb, Llc Systems and methods for facilitating secure transactions
US20120203695A1 (en) * 2011-02-09 2012-08-09 American Express Travel Related Services Company, Inc. Systems and methods for facilitating secure transactions
US10395223B2 (en) * 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds

Also Published As

Publication number Publication date
EP3323095A4 (en) 2019-04-10
KR20180075473A (ko) 2018-07-04
CA2992457A1 (en) 2017-01-19
KR102634772B1 (ko) 2024-02-06
WO2017011596A1 (en) 2017-01-19
CN108027921A (zh) 2018-05-11
JP6727299B2 (ja) 2020-07-22
EP3323095A1 (en) 2018-05-23
CA2992457C (en) 2021-12-21
CN108027921B (zh) 2022-02-18
JP2018525758A (ja) 2018-09-06

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Legal Events

Date Code Title Description
PC1 Assignment before grant (sect. 113)

Owner name: EARLY WARNING SERVICES, LLC

Free format text: FORMER APPLICANT(S): CLEARXCHANGE, LLC

MK5 Application lapsed section 142(2)(e) - patent request and compl. specification not accepted