IN2014DE03249A - - Google Patents

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Publication number
IN2014DE03249A
IN2014DE03249A IN3249DE2014A IN2014DE03249A IN 2014DE03249 A IN2014DE03249 A IN 2014DE03249A IN 3249DE2014 A IN3249DE2014 A IN 3249DE2014A IN 2014DE03249 A IN2014DE03249 A IN 2014DE03249A
Authority
IN
India
Prior art keywords
method comprises
financial
account
receiving
transaction
Prior art date
Application number
Inventor
Marcous Neil
Woodbury Robert
Gordon Peter
Original Assignee
Paynet Payments Network 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
Priority claimed from US14/081,590 external-priority patent/US10535064B2/en
Application filed by Paynet Payments Network Llc filed Critical Paynet Payments Network Llc
Publication of IN2014DE03249A publication Critical patent/IN2014DE03249A/en

Links

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
    • G06Q20/38—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; 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
    • 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]
    • G06Q20/027—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; 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
    • G06Q20/30—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; 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
    • G06Q20/382—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

Abstract

Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided.
IN3249DE2014 2013-11-15 2014-11-10 IN2014DE03249A (en)

Applications Claiming Priority (1)

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

Publications (1)

Publication Number Publication Date
IN2014DE03249A true IN2014DE03249A (en) 2015-07-17

Family

ID=51900762

Family Applications (1)

Application Number Title Priority Date Filing Date
IN3249DE2014 IN2014DE03249A (en) 2013-11-15 2014-11-10

Country Status (8)

Country Link
EP (2) EP3598367A1 (en)
CN (2) CN104657848B (en)
AU (3) AU2014256396B2 (en)
BR (1) BR102014028305A2 (en)
CA (1) CA2870844A1 (en)
HK (1) HK1210537A1 (en)
IN (1) IN2014DE03249A (en)
MX (1) MX2014013530A (en)

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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
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
US10504179B1 (en) 2015-12-08 2019-12-10 Fmr Llc Social aggregated fractional equity transaction partitioned acquisition apparatuses, methods and systems
US11436598B2 (en) 2017-12-15 2022-09-06 Fmr Llc Social data tracking datastructures, 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
US10339523B2 (en) 2015-07-14 2019-07-02 Fmr Llc Point-to-point transaction guidance apparatuses, methods and systems
US10489777B2 (en) * 2016-01-05 2019-11-26 Visa International Service Association Universal access to an electronic wallet
KR102504312B1 (en) 2016-05-03 2023-02-27 비자 인터네셔널 서비스 어소시에이션 A platform for cataloging device-based resources
US20170372417A1 (en) * 2016-06-28 2017-12-28 Sivanarayana Gaddam Digital asset account management
CN108074083B (en) * 2016-11-18 2021-02-05 腾讯科技（深圳）有限公司 Request processing method, server and client
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
US11250393B2 (en) 2018-11-09 2022-02-15 Visa International Service Association Rapid transaction settlement using virtual account
SG10202001079QA (en) * 2020-02-06 2020-07-29 Alipay Labs Singapore Pte Ltd Method and System for Processing a Transaction
CN111552982B (en) * 2020-04-27 2023-03-10 支付宝(杭州)信息技术有限公司 Account association relation identification method and device for protecting privacy
CN113688405B (en) * 2021-07-08 2023-05-26 电子科技大学 Bidirectional authentication hybrid encryption method based on blockchain
CN113449005B (en) * 2021-07-15 2024-02-23 中国银行股份有限公司 Account management method and device
CN114866258A (en) * 2022-05-16 2022-08-05 卡奥斯工业智能研究院(青岛)有限公司 Method and device for establishing access relationship, electronic equipment and storage medium

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US20090106152A1 (en) * 2007-10-17 2009-04-23 The Western Union Company Money transfers utilizing unique receiver identifier
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BR112012007946A2 (en) * 2009-10-19 2016-03-22 Faber Financial Llc method for conducting transaction between customer and customer
ES2672920T3 (en) * 2010-01-19 2018-06-18 Bluechain Pty Ltd Procedure, device and system to ensure payment data for transmission through open communication networks
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Also Published As

Publication number Publication date
AU2020267193B2 (en) 2022-06-30
MX2014013530A (en) 2015-08-12
AU2014256396A1 (en) 2015-06-04
CN112418831A (en) 2021-02-26
BR102014028305A2 (en) 2016-08-02
AU2022231708A1 (en) 2022-10-06
EP2874112A1 (en) 2015-05-20
CN104657848B (en) 2020-11-06
CA2870844A1 (en) 2015-05-15
AU2014256396B2 (en) 2020-08-20
CN104657848A (en) 2015-05-27
AU2020267193A1 (en) 2020-12-03
HK1210537A1 (en) 2016-04-22
EP3598367A1 (en) 2020-01-22

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