WO2019211664A1 - Plate-forme de paiement pour sécuriser des paiements - Google Patents

Plate-forme de paiement pour sécuriser des paiements Download PDF

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Publication number
WO2019211664A1
WO2019211664A1 PCT/IB2019/000431 IB2019000431W WO2019211664A1 WO 2019211664 A1 WO2019211664 A1 WO 2019211664A1 IB 2019000431 W IB2019000431 W IB 2019000431W WO 2019211664 A1 WO2019211664 A1 WO 2019211664A1
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WO
WIPO (PCT)
Prior art keywords
consumer
payment
loan
payments
portal
Prior art date
Application number
PCT/IB2019/000431
Other languages
English (en)
Inventor
Walter CRAIG
Tomasz PAWELEC
David Michael Scanlan
Original Assignee
Ids Loans Corp.
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 Ids Loans Corp. filed Critical Ids Loans Corp.
Publication of WO2019211664A1 publication Critical patent/WO2019211664A1/fr

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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
    • G06Q20/40—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
    • 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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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]
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • 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
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a 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
    • G06Q20/40—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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • the invention relates to a computer implemented system and method for securing receivables repayments and in particular for securing payments against fraudulent returns by payers.
  • a business provides goods and/or services to consumers who, in return pay for the goods and/or services. It will be appreciated that as referred to herein, a consumer may be any type of legal person including but not limited to, an individual, an association, partnership, limited company or corporation who buys goods and/or services.
  • a business is any type of legal person including but not limited to, an individual, an association, partnership, limited company or corporation who provides goods and/or services.
  • Consumer credit comes in many forms including credit cards, lines of credit and loans. Consumer credit is also known as consumer debt. Consumer credit is divided into two classifications: revolving credit and instalment credit.
  • Revolving credit can be utilized for any purpose.
  • loans are made on a continuous basis for purchases until the consumer reaches his credit limit.
  • Customers receive bills periodically to make at least a minimum monthly payment.
  • Instalment credit is used for a specific purpose, for a defined amount and for a specific period. Payments are usually the same amount each month. Examples of purchases made on instalment credit include large appliances, automobiles and furniture.
  • These kinds of loans usually offer lower interest rates than revolving credit. For example, a car company holds a lien on the car until the car loan is repaid. The total amount of the principal and interest is repaid within a predefined period. If the customer defaults on the loan payments, the company can repossess the car and charge penalties.
  • Debt can be written off and sold or placed with a collection company.
  • collectors can enter into arrangement with the consumer in a form of a pre-approved repayment plan. Total amount owed is split into regular payments, similar to an instalment loan. These payments are processed automatically and do not require further authorization from the consumer.
  • Collection companies incentivize their debtors to pay by reporting their outstanding accounts to credit bureaus. If consumers pay as per the arrangement, they will benefit from an improved FICO score and - consequently - access to wider range of financial products on the market. In all cases, the consumer has a legally enforceable duty to repay the debt in the amounts and timescales agreed under the consumer credit agreement or the collection repayment agreement.
  • chargeback or friendly fraud This occurs when a consumer makes a purchase or repayment with their credit card, and then requests a chargeback from the issuing bank after receiving the purchased goods or services. Once approved, the chargeback cancels the financial transaction, and the consumer receives a refund of the money they spent. When a chargeback occurs, the merchant vendor is accountable, regardless of whatever measures they took to verify the transaction.
  • Another object of the invention is to provide a computer implemented system which makes it easier for a consumer to ensure that loan payments are made in
  • Another object of the invention is to provide a computer implemented system which reduces the risk of lending to underprivileged and unbanked customers.
  • Another object of the invention is to provide a computer implemented system which may be used with the minimum of system integration into existing merchant or account management systems.
  • a computer implemented system for securing payment of a loan made to a consumer by a credit provider comprising:
  • a payment recipient portal which specifies details of a loan received by the consumer which is to be secured
  • a monitoring system which monitors the ability of the consumer to make loan payments during the period for which the loan is outstanding.
  • a computer implemented method for securing payment of a loan made to a consumer by a credit provider comprising:
  • the payment recipient portal generates a consumer contract which is automatically populated with details of the loan.
  • At least some of the terms of consumer contract are defined by the credit provider on the payment recipient portal.
  • the consumer contract requires at least one form of consumer verification.
  • submission of the contract is subject to customer providing required payment authorizations.
  • the consumer verification comprises the consumer’s typed full legal name.
  • the consumer verification comprises the consumer’s handwritten signature.
  • the consumer verification comprises the authorization of the
  • loan details comprise, consumer data
  • the loan details comprise information about the subject of the loan.
  • the subject of the loan may be a product or service.
  • the loan detail comprises settlement information.
  • the loan details comprise a payment schedule.
  • the payment schedule specifies the dates upon which payments are due.
  • the payment schedule specifies the payment amounts.
  • the loan comprises a consumer credit agreement.
  • the consumer credit agreement is a revolving credit agreement.
  • the consumer credit agreement is instalment credit.
  • the unconditional payment instrument is one or more check.
  • the one or more check is from an electronic checkbook.
  • the one or more checks are presented on the consumer portal for electronic signature.
  • the consumer can place signatures using either a pointer device (mouse) or a touchscreen (with their finger).
  • each check is signed separately, thus providing an explicit order and authorization to pay.
  • the computer implemented system for securing payment of a loan made to a consumer by a credit provider further comprises one or more additional payment instrument.
  • the additional payment instrument comprises National Automated Clearing House Association (NACHA) automated clearing house (ACH) financial transactions.
  • NACHA National Automated Clearing House Association
  • ACH automated clearing house
  • the additional payment instrument comprises debit and credit cards.
  • the monitoring system comprises a first algorithm which can evaluate a risk associated with a given payment and decide which channel would be the most beneficial for its recipient.
  • the algorithm uses artificial intelligence.
  • the algorithm takes into consideration one or more of the following parameters:
  • the monitoring system comprises a second algorithm to check that the consumer has sufficient funds to make a payment.
  • the second algorithm acts as a filter that only allows payments with sufficient balance to be processed.
  • the second algorithm dynamically checks the consumer’s bank balance.
  • the second algorithm dynamically conducts an on-line card query to monitor debit and credit card activity.
  • the second algorithm dynamically checks the consumer’s bank balance.
  • the consumer portal sends payment notifications to the consumer in advance of their due date.
  • the notifications are sent via one or more of the following
  • the consumer portal allows the consumer to manage their payment plan.
  • the portal allows a consumer to stop payments, amend their dates, change their bank account details, add new payment methods such as debit or credit cards and request a new plan to be approved by the merchant.
  • the portal allows the merchant to review and accept or deny requested changes to consumer payment plans.
  • the consumer is a legal person.
  • the legal person is, an individual, an association, partnership, limited company or corporation who buys goods and/or services.
  • the present invention is a novel computerised system and method which provides lenders, collectors and other types of merchant vendors with a method of securing payments against fraudulent returns by payers.
  • FIG. 1 is a schematic diagram which shows the basic component parts of a system in accordance with the present invention.
  • the system comprises a payment recipient portal 5 which provides a payment recipient interface on a payment recipient’s computing device, a monitoring system 7 a consumer portal 9 which provides a consumer portal interface 13 on a consumer’s computing device and a monitoring system 7.
  • the system of the present invention is provided on the cloud. It will be appreciated that the system may be provided on a server in a known location and that the payment recipient computing means and consumer computing means may be any suitable computer including but not limited to a desk top computer, laptop, tablet, mobile handheld device, POS terminal, ATM machine or the like.
  • a vendor posts payment plan instructions to the payment recipient portal.
  • These instructions contain the following:
  • Payment schedule dates and amounts.
  • the system Upon the receipt of a payment plan, the system generates a copy of consumer contract, based on vendor’s template and provides it to the consumer via the consumer interface 13.
  • the contract is automatically pre-filled with customer’s information and followed by an electronic checkbook.
  • the system can adapt the contract to meet local criteria based on customer’s residency and vendor’s specifications.
  • contracts can only be submitted if all payments are authorized by the consumer by means of the unconditional payment instrument, which is an electronic checkbook. This protects both parties’ interests: the contract is not in effect until secured by the unconditional payment instrument.
  • the present invention delivers a unique functionality by providing payment recipients (merchants) with additional security based on electronic checkbook. Customers must manually sign a check for every future payment in order to submit and enter into the agreement with merchants.
  • the consumer In order to create the legally binding contract, the consumer is presented with individual checks for signature, on the consumer interface, which may be a website.
  • the checks are presented in a familiar format with a designated signature area. Consumers can sign the checks using either a pointer device (mouse) or a touchscreen (with their finger). In either case, signatures are saved in both the original vector format as well as Base , commonly used in the banking industry.
  • Each check is signed separately, thus providing an explicit order to pay.
  • checks are printed on a secure paper using an MICR toner.
  • the system then either delivers physical copies to the payment recipient or the operator of the system of the present invention process the scheduled payments on their designated dates.
  • an X9.37-2003 DSTU image file is generated and transferred to a banking institution electronically for every batch of checks.
  • the present invention utilizes full featured checks. In addition to all required elements, extra information is stored for increased protection against fraudulent returns. This includes IP address, GPS coordinates, digital fingerprint, date of birth and driver license state and number of the signing party. These features allow the present invention to mitigate risks and costs associated with traditional electronic check authorizations (RCCs).
  • RRCs electronic check authorizations
  • the present invention provides a mechanism for accepting payments from consumers via other payment channels, such as ACH (NACHA), debit and credit cards.
  • ACH ACH
  • debit and credit cards ACH
  • these methods might prove beneficial because of their lower processing cost and speed of response from the banking institution.
  • fraudulent returns reported by payers leave the merchants defenceless against those threats.
  • the cost of addressing credit card chargebacks will be greater than an average payment being processed.
  • unauthorized ACH returns will get a merchant bank account closed, even if he produces valid POAs for all the payments in question.
  • the present invention further comprises an algorithm which can evaluate a risk associated with a given payment and decide which channel would be the most beneficial for its recipient.
  • the algorithm uses artificial intelligence and takes into consideration the following parameters:
  • the system processes the payment automatically using the chosen method.
  • the system and method of the present invention is designed to minimize traditional returns, known as NSF (insufficient funds).
  • NSF traditional returns
  • a second algorithm known as the Anti- NSF Router comes into effect. Its goal is to prevent NSFs by performing the following steps:
  • Balance check - customer s bank account is dynamically checked through an ATM network and using a test $1 authorization to test if a payment of a given amount would clear or not. If not, alternative payment sources might be required.
  • Online card query - debit and credit cards can be used to put a temporary lock on funds, similar to a check-in swipe, in order to assess if the balance on customer’s account is sufficient.
  • the system of the present invention acts as a filter that only allows payments with sufficient balance to be processed. Since all payment schedules are secured by signed checks, such occurrence does not decrease the total secured balance, but only delays the receipt of a due payment by the merchant.
  • the system of the present invention will automatically retry Anti-NSF procedure multiple times taking into consideration the limitations of payment authorizations between different methods. Once an available balance is confirmed, the payment will be immediately submitted.
  • the system of the present invention puts a lot of emphasis on positive user experience provided by the consumer interface, through automated payment notifications and 24/7 self- service portals.
  • Notifications are sent to customers a few days before their payment is processed.
  • the system of the present invention can deliver messages via email, SMS, phone calls or mobile phone notification streams.
  • Each message contains the payment’s date, amount, merchant information and optionally a convenient link or SMS code which can be used to stop the payment.
  • Customers can also manage their payment plans using the consumer interface (web portal).
  • the consumer interface may be customized to a vendor’s requirements to deliver a seamless and consistent user experience, improving the value of a merchant’s brand.
  • the consumer interface allows customer to stop payments, amend their dates, change their bank account details, add new payment methods such as debit or credit cards and request a new plan to be approved by the merchant.
  • the system can automatically generate a new electronic checkbook and request signatures prior to approving the new
  • Figure 2 represents a complete life cycle of a payment plan. It shows the layers of a system in accordance with the present invention working together to deliver its ultimate goal of reduced NSF and unauthorized payments.
  • Merchant or payment recipient interaction is limited to initial posting of a payment plan. This simple step, facilitated through API or merchant terminal endpoint, triggers a generation of customer contract, secured by electronic checkbook.
  • a payment schedule is generated. Unless amended through consumer portal, this original schedule is then used to automatically process the instalments.
  • the system of the present invention notifies the payer each time before collecting the money and unless stopped, each payment is subject to a risk assessment process. It consists of Payment Evaluator and Anti- NSF Router and produces a final decision about whether the payment should be processed or not. Stopped or returned payments continue to hold a valid
  • authorization in a form of check and can be reprocessed automatically for up to 6 months after the original payment date.
  • the present invention provides a unique and original concept of a layered stack of services based on a single payment plan request. Its minimal implementation qualifies it as a drop-in replacement for existing e-commerce processors. As a fully hosted solution, it can be used to process online sales, telephone settlements as well as POS transactions (Point of Sale). It eliminates the most common risks associated with online payment processing: fraudulent returns. In addition, it minimizes the NSF ratio, thus saving a merchant expenses associated with returned payments.
  • the present invention protects both sides of a transaction: for sellers it delivers an unquestionable proof of authorization and unconditional secured instruments. For payers it provides a user focused experience, transparency and 24/7 control over pre- approved payments.
  • the present invention provides a comprehensive system and method which requires minimal effort to integrate with an existing merchant/account management system. It requires no privileged access to merchant’s database and is fully hosted and maintained externally.
  • the present invention provides the following benefit to payment merchants:

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système et un procédé mis en œuvre par ordinateur pour améliorer la sécurité des paiements en empêchant des retours frauduleux non autorisés qui permettent à un consommateur de s'assurer plus facilement que des paiements de prêt sont effectués conformément à leur accord de prêt et qui réduisent le risque de prêt à des clients économiquement faibles et ne disposant pas de services bancaires. L'objet de l'invention comprend un portail de destinataire de paiement qui spécifie les détails d'un prêt reçu par le consommateur qui doit être sécurisé, un portail de consommateur pour initier et/ou gérer des paiements, un instrument de paiement inconditionnel qui lie le consommateur à un calendrier de paiement et un système de surveillance qui surveille la capacité du consommateur à effectuer des paiements de prêt pendant la période pour laquelle le prêt est en cours.
PCT/IB2019/000431 2018-05-02 2019-05-01 Plate-forme de paiement pour sécuriser des paiements WO2019211664A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201862665826P 2018-05-02 2018-05-02
US62/665,826 2018-05-02

Publications (1)

Publication Number Publication Date
WO2019211664A1 true WO2019211664A1 (fr) 2019-11-07

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Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050283436A1 (en) * 2003-08-22 2005-12-22 Greer Richard E Point of sale purchase system
US20060235758A1 (en) * 2005-04-08 2006-10-19 Paypal Inc. Authorization techniques
US20100205091A1 (en) * 2004-10-22 2010-08-12 Zevez Payments, Inc. Automated payment transaction system
US20140019348A1 (en) * 2012-07-16 2014-01-16 Rumblelogic, Inc. Dba Paytap Trusted third party payment system
WO2014071261A1 (fr) * 2012-11-01 2014-05-08 Double Check Solutions, Llc Système de gestion d'alerte financière
US20150032589A1 (en) * 2014-08-08 2015-01-29 Brighterion, Inc. Artificial intelligence fraud management solution

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050283436A1 (en) * 2003-08-22 2005-12-22 Greer Richard E Point of sale purchase system
US20100205091A1 (en) * 2004-10-22 2010-08-12 Zevez Payments, Inc. Automated payment transaction system
US20060235758A1 (en) * 2005-04-08 2006-10-19 Paypal Inc. Authorization techniques
US20140019348A1 (en) * 2012-07-16 2014-01-16 Rumblelogic, Inc. Dba Paytap Trusted third party payment system
WO2014071261A1 (fr) * 2012-11-01 2014-05-08 Double Check Solutions, Llc Système de gestion d'alerte financière
US20150032589A1 (en) * 2014-08-08 2015-01-29 Brighterion, Inc. Artificial intelligence fraud management solution

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