CA2885378C - System and method for funds transfer processing - Google Patents

System and method for funds transfer processing Download PDF

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Publication number
CA2885378C
CA2885378C CA2885378A CA2885378A CA2885378C CA 2885378 C CA2885378 C CA 2885378C CA 2885378 A CA2885378 A CA 2885378A CA 2885378 A CA2885378 A CA 2885378A CA 2885378 C CA2885378 C CA 2885378C
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CA
Canada
Prior art keywords
loan
implementations
account
communication device
identification information
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.)
Active
Application number
CA2885378A
Other languages
English (en)
French (fr)
Other versions
CA2885378A1 (en
Inventor
Shashi Kapur
Ralph A. Bianco
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.)
MTS HOLDINGS Inc
Original Assignee
Adaptive Payments 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 Adaptive Payments Inc filed Critical Adaptive Payments Inc
Publication of CA2885378A1 publication Critical patent/CA2885378A1/en
Application granted granted Critical
Publication of CA2885378C publication Critical patent/CA2885378C/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/4012—Verifying personal identification numbers [PIN]

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
CA2885378A 2012-07-24 2013-07-23 System and method for funds transfer processing Active CA2885378C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US13/556,704 2012-07-24
US13/556,704 US20140032407A1 (en) 2012-07-24 2012-07-24 System and Method for Funds Transfer Processing
PCT/US2013/051692 WO2014018537A1 (en) 2012-07-24 2013-07-23 System and method for funds transfer processing

Publications (2)

Publication Number Publication Date
CA2885378A1 CA2885378A1 (en) 2014-01-30
CA2885378C true CA2885378C (en) 2020-08-18

Family

ID=49995821

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2885378A Active CA2885378C (en) 2012-07-24 2013-07-23 System and method for funds transfer processing

Country Status (7)

Country Link
US (2) US20140032407A1 (enExample)
EP (1) EP2877970A4 (enExample)
KR (1) KR20150109323A (enExample)
CN (1) CN104854606A (enExample)
CA (1) CA2885378C (enExample)
IN (1) IN2015KN00479A (enExample)
WO (1) WO2014018537A1 (enExample)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140188728A1 (en) 2012-12-31 2014-07-03 Fiserv, Inc. Systems and methods for performing financial transactions
US20150254767A1 (en) * 2014-03-10 2015-09-10 Bank Of America Corporation Loan service request documentation system
US10185946B2 (en) 2014-12-31 2019-01-22 Fiserv, Inc. Facilitating presentation of content relating to a financial transaction
US11295380B2 (en) 2015-01-28 2022-04-05 Crediot, Inc. Method and system for tracking personal property collateral
US9978100B2 (en) 2015-01-28 2018-05-22 Crediot, Inc. Method and system for tracking personal property collateral
EP3261707B1 (en) * 2015-02-26 2020-03-25 SurModics, Inc. Insertable medical device system with plaque treatment portion
CN113850575A (zh) * 2015-12-04 2021-12-28 创新先进技术有限公司 一种资源处理方法及装置
US11025779B1 (en) 2016-04-22 2021-06-01 Wells Fargo Bank, N.A. Automated payment reminders
WO2017218479A1 (en) * 2016-06-15 2017-12-21 Mastercard International Incorporated System and method of tokenizing deposit account numbers for use at payment card acceptance point
US20180374058A1 (en) * 2017-06-23 2018-12-27 Mastercard International Incorporated Systems and Methods for Use in Facilitating Transfers Associated With Electronic Messages
CN113518990B (zh) * 2019-05-17 2025-09-23 维萨国际服务协会 虚拟访问凭证交互系统和方法
US11379815B2 (en) 2019-10-07 2022-07-05 Bank Of America Corporation System for secure peer-to-peer interactions with event-based confirmation triggering mechanism

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI278213B (en) * 2003-07-14 2007-04-01 Chong-Yu Yao One kind of fund flow authentication security trade system
US8352376B2 (en) * 2005-10-11 2013-01-08 Amazon Technologies, Inc. System and method for authorization of transactions
CA2641676A1 (en) * 2006-03-02 2007-09-13 Benedicto H. Dominguez Method and system for performing two factor authentication in mail order and telephone order transactions
CN101523428A (zh) * 2006-08-01 2009-09-02 Q佩控股有限公司 交易授权系统和方法
US20080133390A1 (en) * 2006-12-05 2008-06-05 Ebay Inc. System and method for authorizing a transaction
CA2734975C (en) * 2008-08-26 2017-06-20 Adaptive Payments, Inc. System and method of secure payment transactions
US20110184840A1 (en) * 2010-01-27 2011-07-28 Ebay Inc. Systems and methods for facilitating account verification over a network
CN102376049A (zh) * 2010-08-27 2012-03-14 黄金富 通过安全验证的手机确认支付系统及其相应方法
US11037147B2 (en) * 2012-07-09 2021-06-15 The Western Union Company Money transfer fraud prevention methods and systems

Also Published As

Publication number Publication date
EP2877970A4 (en) 2016-03-02
EP2877970A1 (en) 2015-06-03
CN104854606A (zh) 2015-08-19
IN2015KN00479A (enExample) 2015-07-17
US20150206138A1 (en) 2015-07-23
WO2014018537A1 (en) 2014-01-30
US10643205B2 (en) 2020-05-05
KR20150109323A (ko) 2015-10-01
CA2885378A1 (en) 2014-01-30
US20140032407A1 (en) 2014-01-30

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Effective date: 20180411