KR102634772B1 - 비-금융 기관 시스템에서 안전 거래를 돕기 위한 시스템 및 방법 - Google Patents

비-금융 기관 시스템에서 안전 거래를 돕기 위한 시스템 및 방법 Download PDF

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KR102634772B1
KR102634772B1 KR1020187004378A KR20187004378A KR102634772B1 KR 102634772 B1 KR102634772 B1 KR 102634772B1 KR 1020187004378 A KR1020187004378 A KR 1020187004378A KR 20187004378 A KR20187004378 A KR 20187004378A KR 102634772 B1 KR102634772 B1 KR 102634772B1
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South Korea
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recipient
sender
financial institution
computer system
funds
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KR1020187004378A
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KR20180075473A (ko
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3세 클린턴 길리엄
멜리사 로우리
마이클 조셉 케네디
세르게이 리리첸코
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클리어엑스체인지, 엘엘씨
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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
    • 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

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
KR1020187004378A 2015-07-13 2016-07-13 비-금융 기관 시스템에서 안전 거래를 돕기 위한 시스템 및 방법 KR102634772B1 (ko)

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
KR20180075473A KR20180075473A (ko) 2018-07-04
KR102634772B1 true KR102634772B1 (ko) 2024-02-06

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KR1020187004378A KR102634772B1 (ko) 2015-07-13 2016-07-13 비-금융 기관 시스템에서 안전 거래를 돕기 위한 시스템 및 방법

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)

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US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
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US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US10832246B2 (en) 2015-03-23 2020-11-10 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
US10878387B2 (en) 2015-03-23 2020-12-29 Early Warning Services, Llc Real-time determination of funds availability for checks and ACH items
US10839359B2 (en) 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US10769606B2 (en) 2015-03-23 2020-09-08 Early Warning Services, Llc Payment real-time funds availability
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US10970695B2 (en) 2015-07-21 2021-04-06 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
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11037121B2 (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
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11144928B2 (en) 2016-09-19 2021-10-12 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
CN111033547A (zh) * 2017-08-25 2020-04-17 谷歌有限责任公司 电子支付的移动设备安全性
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

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KR101457750B1 (ko) * 2008-08-26 2014-11-04 퀄컴 인코포레이티드 지연된 결제 금융 계좌들 간의 실시간 금융 거래를 시행하기 위한 시스템 및 방법
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Also Published As

Publication number Publication date
EP3323095A4 (en) 2019-04-10
KR20180075473A (ko) 2018-07-04
CA2992457A1 (en) 2017-01-19
AU2016294499A1 (en) 2018-02-15
WO2017011596A1 (en) 2017-01-19
CN108027921A (zh) 2018-05-11
JP6727299B2 (ja) 2020-07-22
EP3323095A1 (en) 2018-05-23
CA2992457C (en) 2021-12-21
CN108027921B (zh) 2022-02-18
JP2018525758A (ja) 2018-09-06

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