EP3323095A4 - SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTION IN A SYSTEM OF A NON-FINANCIAL INSTITUTION - Google Patents

SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTION IN A SYSTEM OF A NON-FINANCIAL INSTITUTION Download PDF

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Publication number
EP3323095A4
EP3323095A4 EP16825143.7A EP16825143A EP3323095A4 EP 3323095 A4 EP3323095 A4 EP 3323095A4 EP 16825143 A EP16825143 A EP 16825143A EP 3323095 A4 EP3323095 A4 EP 3323095A4
Authority
EP
European Patent Office
Prior art keywords
systems
methods
financial institution
secure transaction
facilitating secure
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.)
Withdrawn
Application number
EP16825143.7A
Other languages
German (de)
French (fr)
Other versions
EP3323095A1 (en
Inventor
III Clinton GILLIAM
Melissa Lowry
Michael Joseph Kennedy
Sergei Lilichenko
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.)
Early Warning Services LLC
Original Assignee
CLEARXCHANGE 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 CLEARXCHANGE LLC filed Critical CLEARXCHANGE LLC
Publication of EP3323095A1 publication Critical patent/EP3323095A1/en
Publication of EP3323095A4 publication Critical patent/EP3323095A4/en
Withdrawn legal-status Critical Current

Links

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
    • G06Q20/08—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
    • G06Q20/02—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 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (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)
EP16825143.7A 2015-07-13 2016-07-13 SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTION IN A SYSTEM OF A NON-FINANCIAL INSTITUTION Withdrawn EP3323095A4 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201562192008P 2015-07-13 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
EP3323095A1 EP3323095A1 (en) 2018-05-23
EP3323095A4 true EP3323095A4 (en) 2019-04-10

Family

ID=57757580

Family Applications (1)

Application Number Title Priority Date Filing Date
EP16825143.7A Withdrawn EP3323095A4 (en) 2015-07-13 2016-07-13 SYSTEMS AND METHODS FOR FACILITATING SECURE TRANSACTION IN A SYSTEM OF A NON-FINANCIAL INSTITUTION

Country Status (7)

Country Link
EP (1) EP3323095A4 (en)
JP (1) JP6727299B2 (en)
KR (1) KR102634772B1 (en)
CN (1) CN108027921B (en)
AU (1) AU2016294499A1 (en)
CA (1) CA2992457C (en)
WO (1) WO2017011596A1 (en)

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US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US10970688B2 (en) 2012-03-07 2021-04-06 Early Warning Services, Llc System and method for transferring funds
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US10395247B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc Systems and methods for facilitating a secure transaction at a non-financial institution system
US20130238488A1 (en) 2012-03-07 2013-09-12 Clearxchange, Llc System and method for transferring funds
US10318936B2 (en) 2012-03-07 2019-06-11 Early Warning Services, Llc System and method for transferring funds
US10878387B2 (en) 2015-03-23 2020-12-29 Early Warning Services, Llc Real-time determination of funds availability for checks and ACH items
US10769606B2 (en) 2015-03-23 2020-09-08 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
US10832246B2 (en) 2015-03-23 2020-11-10 Early Warning Services, Llc Payment real-time funds availability
US10839359B2 (en) 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US11386410B2 (en) 2015-07-21 2022-07-12 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
US11151523B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US11037122B2 (en) 2015-07-21 2021-06-15 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
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11144928B2 (en) 2016-09-19 2021-10-12 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
US20200250650A1 (en) * 2017-08-25 2020-08-06 Google Llc Mobile Device Security for Electronic Payments
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 (en) * 2018-12-24 2020-03-17 Акционерное общество "Национальная система платежных карт" Instant money transfer methods and system for methods implementation
KR102273695B1 (en) * 2019-03-08 2021-07-06 대한민국(기획재정부장관) System and method for transferring government grant using deposit identification code
US11521249B2 (en) * 2019-03-13 2022-12-06 Stripe, Inc. Auto-reconciliation
CN110009351A (en) * 2019-03-29 2019-07-12 上海盛付通电子支付服务有限公司 Method and apparatus for generation hair verification
RU2761419C1 (en) * 2020-11-11 2021-12-08 Акционерное общество "Национальная система платежных карт" Method and system for transferring monetary funds from account to account
US12499427B2 (en) 2021-08-31 2025-12-16 Early Warning Services, Llc Direct electronic bill payment with real-time funds availability
CN115049382A (en) * 2022-05-30 2022-09-13 中国银行股份有限公司 Mobile phone bank transfer information processing method, bank background system and mobile phone bank
JP7579951B1 (en) 2023-11-15 2024-11-08 Kddi株式会社 Information processing method, program, and information processing device

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US20140164243A1 (en) * 2012-12-07 2014-06-12 Christian Aabye Dynamic Account Identifier With Return Real Account Identifier
US20140188728A1 (en) * 2012-12-31 2014-07-03 Fiserv, Inc. Systems and methods for performing financial transactions

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JP4404518B2 (en) * 2002-04-17 2010-01-27 日本電気株式会社 Remittance system, remittance method and remittance program
JP4234412B2 (en) * 2002-12-12 2009-03-04 ヤフー株式会社 Payment service method for electronic commerce, payment system, computer program, program storage medium
CN101563704B (en) * 2005-11-03 2012-07-04 支付途径股份有限公司 Method and system for identity authentication
US20080097873A1 (en) * 2006-06-05 2008-04-24 Elliot Cohen System for online travel planning and hotel selection
JP5334394B2 (en) * 2006-09-19 2013-11-06 ヤフー株式会社 Settlement processing method, settlement processing system, and settlement processing program
US7848980B2 (en) * 2006-12-26 2010-12-07 Visa U.S.A. Inc. Mobile payment system and method using alias
US20080249937A1 (en) * 2007-04-06 2008-10-09 Walls Robert K Payment card based remittance system with delivery of anti-money laundering information to receiving financial institution
US20100057614A1 (en) * 2008-08-26 2010-03-04 Qualcomm Incorporated System and method for effecting real-time financial transactions between delayed-settlement financial accounts
US20110145152A1 (en) * 2009-12-15 2011-06-16 Mccown Steven Harvey Systems, apparatus, and methods for identity verification and funds transfer via a payment proxy system
US8762284B2 (en) * 2010-12-16 2014-06-24 Democracyontheweb, Llc Systems and methods for facilitating secure transactions
US20120203695A1 (en) * 2011-02-09 2012-08-09 American Express Travel Related Services Company, Inc. Systems and methods for facilitating secure transactions
US10395223B2 (en) * 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140164243A1 (en) * 2012-12-07 2014-06-12 Christian Aabye Dynamic Account Identifier With Return Real Account Identifier
US20140188728A1 (en) * 2012-12-31 2014-07-03 Fiserv, Inc. Systems and methods for performing financial transactions

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
No further relevant documents disclosed *
See also references of WO2017011596A1 *

Also Published As

Publication number Publication date
CA2992457C (en) 2021-12-21
CN108027921B (en) 2022-02-18
CA2992457A1 (en) 2017-01-19
KR20180075473A (en) 2018-07-04
JP6727299B2 (en) 2020-07-22
KR102634772B1 (en) 2024-02-06
WO2017011596A1 (en) 2017-01-19
CN108027921A (en) 2018-05-11
AU2016294499A1 (en) 2018-02-15
EP3323095A1 (en) 2018-05-23
JP2018525758A (en) 2018-09-06

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