IN2015KN00479A - - Google Patents

Info

Publication number
IN2015KN00479A
IN2015KN00479A IN479KON2015A IN2015KN00479A IN 2015KN00479 A IN2015KN00479 A IN 2015KN00479A IN 479KON2015 A IN479KON2015 A IN 479KON2015A IN 2015KN00479 A IN2015KN00479 A IN 2015KN00479A
Authority
IN
India
Prior art keywords
identification information
payment server
adaptive payment
account
request
Prior art date
Application number
Inventor
Shashi Kapur
Ralph A Bianco
Original Assignee
Adaptive Payments Inc
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 Adaptive Payments Inc filed Critical Adaptive Payments Inc
Publication of IN2015KN00479A publication Critical patent/IN2015KN00479A/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
    • G06Q20/40—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
    • G06Q20/08—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
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/40—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
    • G06Q20/4012—Verifying personal identification numbers [PIN]

Landscapes

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

Abstract

A system and method for processing lending transactions that may facilitate prompt transfer of funds (for example loan funds) to an individual in a secure manner. An adaptive payment server may receive first identification information second identification information and a request for a fund transfer. The adaptive payment server may determine an account associated with the first identification information. The adaptive payment server may authenticate identification of the account based on the second identification information. The adaptive payment server may initiate a deposit of a fund amount associated with the request into the identified account wherein the fund amount is deposited substantially immediately after the identified account has been authenticated.
IN479KON2015 2012-07-24 2013-07-23 IN2015KN00479A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US13/556,704 US20140032407A1 (en) 2012-07-24 2012-07-24 System and Method for Funds Transfer Processing
PCT/US2013/051692 WO2014018537A1 (en) 2012-07-24 2013-07-23 System and method for funds transfer processing

Publications (1)

Publication Number Publication Date
IN2015KN00479A true IN2015KN00479A (en) 2015-07-17

Family

ID=49995821

Family Applications (1)

Application Number Title Priority Date Filing Date
IN479KON2015 IN2015KN00479A (en) 2012-07-24 2013-07-23

Country Status (7)

Country Link
US (2) US20140032407A1 (en)
EP (1) EP2877970A4 (en)
KR (1) KR20150109323A (en)
CN (1) CN104854606A (en)
CA (1) CA2885378C (en)
IN (1) IN2015KN00479A (en)
WO (1) WO2014018537A1 (en)

Families Citing this family (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140188728A1 (en) 2012-12-31 2014-07-03 Fiserv, Inc. Systems and methods for performing financial transactions
US20150254767A1 (en) * 2014-03-10 2015-09-10 Bank Of America Corporation Loan service request documentation system
US10185946B2 (en) 2014-12-31 2019-01-22 Fiserv, Inc. Facilitating presentation of content relating to a financial transaction
US11295380B2 (en) 2015-01-28 2022-04-05 Crediot, Inc. Method and system for tracking personal property collateral
US9978100B2 (en) 2015-01-28 2018-05-22 Crediot, Inc. Method and system for tracking personal property collateral
WO2016138260A1 (en) * 2015-02-26 2016-09-01 Surmodics, Inc. Insertable medical device system with plaque treatment portion and methods of using
CN113850575A (en) * 2015-12-04 2021-12-28 创新先进技术有限公司 Resource processing method and device
US11025779B1 (en) 2016-04-22 2021-06-01 Wells Fargo Bank, N.A. Automated payment reminders
WO2017218487A1 (en) * 2016-06-15 2017-12-21 Mastercard International Incorporated Transaction flows and transaction processing for bridged payment systems
US20180374058A1 (en) * 2017-06-23 2018-12-27 Mastercard International Incorporated Systems and Methods for Use in Facilitating Transfers Associated With Electronic Messages
SG11202108626QA (en) 2019-05-17 2021-09-29 Visa Int Service Ass Virtual access credential interaction system and method

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI278213B (en) * 2003-07-14 2007-04-01 Chong-Yu Yao One kind of fund flow authentication security trade system
US8352376B2 (en) * 2005-10-11 2013-01-08 Amazon Technologies, Inc. System and method for authorization of transactions
EP1999715A4 (en) * 2006-03-02 2014-07-09 Visa Int Service Ass Method and system for performing two factor authentication in mail order and telephone order transactions
CN101523428A (en) * 2006-08-01 2009-09-02 Q佩控股有限公司 Transaction authorisation system and method
US20080133390A1 (en) * 2006-12-05 2008-06-05 Ebay Inc. System and method for authorizing a transaction
US9183549B2 (en) * 2008-08-26 2015-11-10 Mts Holdings, Inc. System and method of secure payment transactions
US20110184840A1 (en) * 2010-01-27 2011-07-28 Ebay Inc. Systems and methods for facilitating account verification over a network
CN102376049A (en) * 2010-08-27 2012-03-14 黄金富 Cell phone payment confirmation system based on security verification and corresponding method thereof
US11037147B2 (en) * 2012-07-09 2021-06-15 The Western Union Company Money transfer fraud prevention methods and systems

Also Published As

Publication number Publication date
KR20150109323A (en) 2015-10-01
CN104854606A (en) 2015-08-19
US20150206138A1 (en) 2015-07-23
CA2885378A1 (en) 2014-01-30
CA2885378C (en) 2020-08-18
US20140032407A1 (en) 2014-01-30
EP2877970A4 (en) 2016-03-02
WO2014018537A1 (en) 2014-01-30
EP2877970A1 (en) 2015-06-03
US10643205B2 (en) 2020-05-05

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