CA2992457C - 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
CA2992457C
CA2992457C CA2992457A CA2992457A CA2992457C CA 2992457 C CA2992457 C CA 2992457C CA 2992457 A CA2992457 A CA 2992457A CA 2992457 A CA2992457 A CA 2992457A CA 2992457 C CA2992457 C CA 2992457C
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CA
Canada
Prior art keywords
recipient
sender
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.)
Active
Application number
CA2992457A
Other languages
English (en)
French (fr)
Other versions
CA2992457A1 (en
Inventor
Clinton Gilliam, Iii
Melissa Lowry
Michael Joseph Kennedy
Sergei Lilichenko
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 CA2992457A1 publication Critical patent/CA2992457A1/en
Application granted granted Critical
Publication of CA2992457C publication Critical patent/CA2992457C/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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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)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
CA2992457A 2015-07-13 2016-07-13 Systems and methods for facilitating a secure transaction at a non-financial institution system Active CA2992457C (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 (2)

Publication Number Publication Date
CA2992457A1 CA2992457A1 (en) 2017-01-19
CA2992457C true CA2992457C (en) 2021-12-21

Family

ID=57757580

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2992457A Active CA2992457C (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)

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* Cited by examiner, † Cited by third party
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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
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
US20130238488A1 (en) 2012-03-07 2013-09-12 Clearxchange, Llc System and method for transferring funds
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US10769606B2 (en) 2015-03-23 2020-09-08 Early Warning Services, Llc Payment real-time funds availability
US10839359B2 (en) 2015-03-23 2020-11-17 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
US10832246B2 (en) 2015-03-23 2020-11-10 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
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US11037121B2 (en) 2015-07-21 2021-06-15 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
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11037122B2 (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
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US11144928B2 (en) 2016-09-19 2021-10-12 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
US20200250650A1 (en) * 2017-08-25 2020-08-06 Google Llc Mobile Device Security for Electronic Payments
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
RU2761419C1 (ru) 2020-11-11 2021-12-08 Акционерное общество "Национальная система платежных карт" Способ и система для перевода денежных средств со счета на счет

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* 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
US20030233318A1 (en) * 2001-11-26 2003-12-18 King Douglas W. Systems and methods for fund transfers
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
WO2007056274A2 (en) * 2005-11-03 2007-05-18 Payment Pathways, Inc. Methods and systems for identity authentication
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
AU2016294499A1 (en) 2018-02-15
KR20180075473A (ko) 2018-07-04
JP6727299B2 (ja) 2020-07-22
CN108027921A (zh) 2018-05-11
EP3323095A1 (en) 2018-05-23
WO2017011596A1 (en) 2017-01-19
KR102634772B1 (ko) 2024-02-06
JP2018525758A (ja) 2018-09-06
EP3323095A4 (en) 2019-04-10
CN108027921B (zh) 2022-02-18
CA2992457A1 (en) 2017-01-19

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Effective date: 20210518