IN2014DN08214A - - Google Patents

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Publication number
IN2014DN08214A
IN2014DN08214A IN8214DEN2014A IN2014DN08214A IN 2014DN08214 A IN2014DN08214 A IN 2014DN08214A IN 8214DEN2014 A IN8214DEN2014 A IN 8214DEN2014A IN 2014DN08214 A IN2014DN08214 A IN 2014DN08214A
Authority
IN
India
Prior art keywords
account
accounts
transaction requests
numbers
identifier
Prior art date
Application number
Inventor
Neil Marcous
Robert Woodbury
Peter Gordon
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
Application filed by Paynet Payments Network Llc filed Critical Paynet Payments Network Llc
Publication of IN2014DN08214A publication Critical patent/IN2014DN08214A/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
    • G06Q20/08—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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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

Abstract

Systems and methods for real time account access allowing access to accounts (such as deposit credit or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments consumers and/or merchants are able to effect transaction requests against accounts using a pseudo identifier or other identifier and without the need to provide an account number or card number. In other embodiments payment networks are able to route and process transaction requests against accounts without having a card number or account number. In other embodiments account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.
IN8214DEN2014 2012-03-19 2013-03-15 IN2014DN08214A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201261612897P 2012-03-19 2012-03-19
PCT/US2013/032130 WO2013142334A1 (en) 2012-03-19 2013-03-15 Systems and methods for real-time account access

Publications (1)

Publication Number Publication Date
IN2014DN08214A true IN2014DN08214A (en) 2015-05-15

Family

ID=49158574

Family Applications (1)

Application Number Title Priority Date Filing Date
IN8214DEN2014 IN2014DN08214A (en) 2012-03-19 2013-03-15

Country Status (10)

Country Link
US (4) US10552807B2 (en)
EP (1) EP2828810A4 (en)
CN (2) CN104303197A (en)
AU (3) AU2013235387A1 (en)
BR (1) BR112014023264A2 (en)
CA (3) CA2867697C (en)
HK (1) HK1206466A1 (en)
IN (1) IN2014DN08214A (en)
MX (1) MX362174B (en)
WO (1) WO2013142334A1 (en)

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Also Published As

Publication number Publication date
US10552807B2 (en) 2020-02-04
BR112014023264A2 (en) 2019-08-13
EP2828810A1 (en) 2015-01-28
CA2867697C (en) 2022-03-29
CN111899010A (en) 2020-11-06
US20200118099A1 (en) 2020-04-16
MX362174B (en) 2019-01-08
AU2020239756A1 (en) 2020-11-05
AU2018220030A1 (en) 2018-09-13
US11556907B2 (en) 2023-01-17
CA2867697A1 (en) 2013-09-26
US20200273004A1 (en) 2020-08-27
MX2014011114A (en) 2014-11-26
AU2013235387A1 (en) 2014-10-09
HK1206466A1 (en) 2016-01-08
US20230123772A1 (en) 2023-04-20
US11562334B2 (en) 2023-01-24
CN104303197A (en) 2015-01-21
CA3204698A1 (en) 2013-09-26
US20130246274A1 (en) 2013-09-19
CA3145607C (en) 2023-08-22
CA3145607A1 (en) 2013-09-26
WO2013142334A1 (en) 2013-09-26
EP2828810A4 (en) 2015-05-06

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