CN104854606A - 用于资金转账处理的系统和方法 - Google Patents

用于资金转账处理的系统和方法 Download PDF

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Publication number
CN104854606A
CN104854606A CN201380049794.4A CN201380049794A CN104854606A CN 104854606 A CN104854606 A CN 104854606A CN 201380049794 A CN201380049794 A CN 201380049794A CN 104854606 A CN104854606 A CN 104854606A
Authority
CN
China
Prior art keywords
identification information
loan
account
implementations
borrower
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.)
Pending
Application number
CN201380049794.4A
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English (en)
Chinese (zh)
Inventor
S·卡普尔
R·A·比安考
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 USA
Original Assignee
MTS Holdings Inc USA
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 MTS Holdings Inc USA filed Critical MTS Holdings Inc USA
Publication of CN104854606A publication Critical patent/CN104854606A/zh
Pending legal-status Critical Current

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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)
CN201380049794.4A 2012-07-24 2013-07-23 用于资金转账处理的系统和方法 Pending CN104854606A (zh)

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 (1)

Publication Number Publication Date
CN104854606A true CN104854606A (zh) 2015-08-19

Family

ID=49995821

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201380049794.4A Pending CN104854606A (zh) 2012-07-24 2013-07-23 用于资金转账处理的系统和方法

Country Status (7)

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

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109118201A (zh) * 2017-06-23 2019-01-01 万事达卡国际公司 用于便利与电子消息关联的转账的系统和方法
CN109313756A (zh) * 2016-06-15 2019-02-05 万事达卡国际公司 桥接的支付系统的交易流程和交易处理

Families Citing this family (10)

* Cited by examiner, † Cited by third party
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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
US9978100B2 (en) 2015-01-28 2018-05-22 Crediot, Inc. Method and system for tracking personal property collateral
US11295380B2 (en) 2015-01-28 2022-04-05 Crediot, Inc. Method and system for tracking personal property collateral
CN107666872B (zh) * 2015-02-26 2021-05-18 舒尔默迪克斯公司 具有斑块治疗部分的可插入医疗装置系统及其使用方法
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
WO2020236135A1 (en) * 2019-05-17 2020-11-26 Visa International Service Association Virtual access credential interaction system and method
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

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
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

Family Cites Families (7)

* 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
KR20080107400A (ko) * 2006-03-02 2008-12-10 비자 인터내셔날 써비스 어쏘시에이션 통신 판매 및 전화 판매 트랜잭션에서 2개의 팩터 인증을 실행하는 방법 및 시스템
US20080133390A1 (en) * 2006-12-05 2008-06-05 Ebay Inc. System and method for authorizing a transaction
US9183549B2 (en) * 2008-08-26 2015-11-10 Mts Holdings, 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
US11037147B2 (en) * 2012-07-09 2021-06-15 The Western Union Company Money transfer fraud prevention methods and systems

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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
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

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109313756A (zh) * 2016-06-15 2019-02-05 万事达卡国际公司 桥接的支付系统的交易流程和交易处理
CN109313756B (zh) * 2016-06-15 2023-03-10 万事达卡国际公司 桥接的支付系统的交易流程和交易处理
CN109118201A (zh) * 2017-06-23 2019-01-01 万事达卡国际公司 用于便利与电子消息关联的转账的系统和方法

Also Published As

Publication number Publication date
US10643205B2 (en) 2020-05-05
EP2877970A1 (en) 2015-06-03
US20140032407A1 (en) 2014-01-30
CA2885378A1 (en) 2014-01-30
WO2014018537A1 (en) 2014-01-30
CA2885378C (en) 2020-08-18
IN2015KN00479A (https=) 2015-07-17
EP2877970A4 (en) 2016-03-02
US20150206138A1 (en) 2015-07-23
KR20150109323A (ko) 2015-10-01

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Legal Events

Date Code Title Description
PB01 Publication
EXSB Decision made by sipo to initiate substantive examination
SE01 Entry into force of request for substantive examination
RJ01 Rejection of invention patent application after publication

Application publication date: 20150819

RJ01 Rejection of invention patent application after publication