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 PDFInfo
- 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
- Authority
- 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.)
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Links
Classifications
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- 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
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- 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)
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) |
Families Citing this family (32)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
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 |
Family Cites Families (14)
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 |
-
2016
- 2016-07-13 KR KR1020187004378A patent/KR102634772B1/ko active IP Right Grant
- 2016-07-13 AU AU2016294499A patent/AU2016294499A1/en not_active Abandoned
- 2016-07-13 CA CA2992457A patent/CA2992457C/en active Active
- 2016-07-13 WO PCT/US2016/042163 patent/WO2017011596A1/en active Application Filing
- 2016-07-13 JP JP2018521480A patent/JP6727299B2/ja active Active
- 2016-07-13 EP EP16825143.7A patent/EP3323095A4/en not_active Withdrawn
- 2016-07-13 CN CN201680052672.4A patent/CN108027921B/zh active Active
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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Legal Events
Date | Code | Title | Description |
---|---|---|---|
EEER | Examination request |
Effective date: 20210518 |