CN104657848B - 用于实时账户访问的计算机系统、方法和交易起源点 - Google Patents

用于实时账户访问的计算机系统、方法和交易起源点 Download PDF

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Publication number
CN104657848B
CN104657848B CN201410640355.7A CN201410640355A CN104657848B CN 104657848 B CN104657848 B CN 104657848B CN 201410640355 A CN201410640355 A CN 201410640355A CN 104657848 B CN104657848 B CN 104657848B
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China
Prior art keywords
account
transaction
financial institution
financial
request
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Active
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CN201410640355.7A
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English (en)
Chinese (zh)
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CN104657848A (zh
Inventor
N·马库斯
R·伍德伯里
P·戈登
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Fuda Information Service Co ltd
Nyce Payment Network Co ltd
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PayNet Payments Network LLC
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Priority claimed from US14/081,590 external-priority patent/US10535064B2/en
Application filed by PayNet Payments Network LLC filed Critical PayNet Payments Network LLC
Priority to CN202011102991.6A priority Critical patent/CN112418831B/zh
Publication of CN104657848A publication Critical patent/CN104657848A/zh
Application granted granted Critical
Publication of CN104657848B publication Critical patent/CN104657848B/zh
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    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
CN201410640355.7A 2013-11-15 2014-11-13 用于实时账户访问的计算机系统、方法和交易起源点 Active CN104657848B (zh)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202011102991.6A CN112418831B (zh) 2013-11-15 2014-11-13 用于处理交易请求的计算机系统、系统和方法

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/081,590 US10535064B2 (en) 2012-03-19 2013-11-15 Systems and methods for real-time account access
US14/081,590 2013-11-15

Related Child Applications (1)

Application Number Title Priority Date Filing Date
CN202011102991.6A Division CN112418831B (zh) 2013-11-15 2014-11-13 用于处理交易请求的计算机系统、系统和方法

Publications (2)

Publication Number Publication Date
CN104657848A CN104657848A (zh) 2015-05-27
CN104657848B true CN104657848B (zh) 2020-11-06

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CN202011102991.6A Active CN112418831B (zh) 2013-11-15 2014-11-13 用于处理交易请求的计算机系统、系统和方法
CN201410640355.7A Active CN104657848B (zh) 2013-11-15 2014-11-13 用于实时账户访问的计算机系统、方法和交易起源点

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CN202011102991.6A Active CN112418831B (zh) 2013-11-15 2014-11-13 用于处理交易请求的计算机系统、系统和方法

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Country Link
EP (2) EP3598367A1 (enExample)
CN (2) CN112418831B (enExample)
AU (3) AU2014256396B2 (enExample)
BR (1) BR102014028305A2 (enExample)
CA (1) CA2870844A1 (enExample)
HK (1) HK1210537A1 (enExample)
IN (1) IN2014DE03249A (enExample)
MX (1) MX2014013530A (enExample)

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US12452075B2 (en) 2015-07-14 2025-10-21 Fmr Llc Asynchronous crypto asset transfer and social aggregating, fractionally efficient transfer guidance, conditional triggered transaction, datastructures, apparatuses, methods and systems
US10504179B1 (en) 2015-12-08 2019-12-10 Fmr Llc Social aggregated fractional equity transaction partitioned acquisition apparatuses, methods and systems
US12225127B2 (en) 2015-07-14 2025-02-11 Fmr Llc Address verification, seed splitting and firmware extension for secure cryptocurrency key backup, restore, and transaction signing platform apparatuses, methods and systems
US11436598B2 (en) 2017-12-15 2022-09-06 Fmr Llc Social data tracking datastructures, apparatuses, methods and systems
US12488340B2 (en) 2015-07-14 2025-12-02 Fmr Llc Address verification, seed splitting and firmware extension for secure cryptocurrency key backup, restore, and transaction signing platform apparatuses, methods and systems
US10992469B2 (en) 2015-07-14 2021-04-27 Fmr Llc Seed splitting and firmware extension for secure cryptocurrency key backup, restore, and transaction signing platform apparatuses, methods and systems
US11488147B2 (en) 2015-07-14 2022-11-01 Fmr Llc Computationally efficient transfer processing and auditing apparatuses, methods and systems
US10644885B2 (en) 2015-07-14 2020-05-05 Fmr Llc Firmware extension for secure cryptocurrency key backup, restore, and transaction signing platform apparatuses, methods and systems
US11636471B2 (en) 2017-12-15 2023-04-25 Fmr Llc Social data tracking datastructures, apparatuses, methods and systems
US10778439B2 (en) 2015-07-14 2020-09-15 Fmr Llc Seed splitting and firmware extension for secure cryptocurrency key backup, restore, and transaction signing platform apparatuses, methods and systems
US10339523B2 (en) 2015-07-14 2019-07-02 Fmr Llc Point-to-point transaction guidance apparatuses, methods and systems
US12323524B2 (en) 2015-07-14 2025-06-03 Fmr Llc Social aggregating, fractionally efficient transfer guidance, conditional triggered transaction, datastructures, apparatuses, methods and systems
US10489777B2 (en) * 2016-01-05 2019-11-26 Visa International Service Association Universal access to an electronic wallet
AU2016405656A1 (en) 2016-05-03 2018-08-30 Visa International Service Association Platform for appliance based resource catalog
US20170372417A1 (en) * 2016-06-28 2017-12-28 Sivanarayana Gaddam Digital asset account management
CN108074083B (zh) * 2016-11-18 2021-02-05 腾讯科技（深圳）有限公司 一种请求处理方法、服务器及客户端
SG11202008525SA (en) 2018-03-12 2020-10-29 Visa Int Service Ass Digital access code
US10546444B2 (en) * 2018-06-21 2020-01-28 Capital One Services, Llc Systems and methods for secure read-only authentication
US11651369B2 (en) * 2018-07-12 2023-05-16 American Express Travel Related Services Company, Inc. Remote EMV payment applications
US12299683B2 (en) 2018-09-05 2025-05-13 Visa International Service Association Global remittance system and method
US11250393B2 (en) 2018-11-09 2022-02-15 Visa International Service Association Rapid transaction settlement using virtual account
WO2020247779A1 (en) * 2019-06-06 2020-12-10 Visa International Service Association Direct extended reach system and method
SG10202001079QA (en) * 2020-02-06 2020-07-29 Alipay Labs Singapore Pte Ltd Method and System for Processing a Transaction
CN111552982B (zh) * 2020-04-27 2023-03-10 支付宝(杭州)信息技术有限公司 保护隐私的账户关联关系识别方法及装置
CN112950202B (zh) * 2021-02-26 2025-06-13 留洋汇(厦门)金融技术服务有限公司 一种基于区块链架构的跨境信息支付系统
CN113688405B (zh) * 2021-07-08 2023-05-26 电子科技大学 一种基于区块链的双向认证混合加密方法
CN113449005B (zh) * 2021-07-15 2024-02-23 中国银行股份有限公司 账户管理方法及装置
CN114866258A (zh) * 2022-05-16 2022-08-05 卡奥斯工业智能研究院(青岛)有限公司 一种访问关系的建立方法、装置、电子设备及存储介质

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Also Published As

Publication number Publication date
BR102014028305A2 (pt) 2016-08-02
IN2014DE03249A (enExample) 2015-07-17
AU2014256396A1 (en) 2015-06-04
EP3598367A1 (en) 2020-01-22
CN112418831A (zh) 2021-02-26
AU2020267193A1 (en) 2020-12-03
AU2022231708A1 (en) 2022-10-06
CA2870844A1 (en) 2015-05-15
HK1210537A1 (en) 2016-04-22
MX2014013530A (es) 2015-08-12
AU2014256396B2 (en) 2020-08-20
EP2874112A1 (en) 2015-05-20
AU2020267193B2 (en) 2022-06-30
CN112418831B (zh) 2025-02-18
CN104657848A (zh) 2015-05-27

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