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公开(公告)号：US20200097975A1
公开(公告)日：2020-03-26
申请号：US16696726
申请日：2019-11-26
IPC分类号： G06Q20/40
摘要： A computer-implemented method for processing a real-time money transfer with a screening payment network having a screening module communicatively coupled to a server computing device is provided. The method includes receiving a request to transfer funds from a payor account associated with an originating institution to a payee account associated with a receiving institution. The request includes money transfer data indicative of a payor's identifying information. The method also includes determining a sanction score based at least in part on the money transfer data, the sanction score indicative of the likelihood that the payor is on at least one sanctioned entity list. The method also includes transmitting the money transfer data and the sanction score to the receiving institution, and transmitting a response message to the originating institution, the response message indicating whether the receiving institution authorizes or denies the request to transfer the funds.
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公开(公告)号：US20180276658A1
公开(公告)日：2018-09-27
申请号：US15936890
申请日：2018-03-27
发明人： Maurice David Liscia , Shawn Eric Hagmeier , Sowmya Reddy Lakka , Pablo Fourez , Gerardo Cardone
CPC分类号： G06Q20/3674 , G06Q20/102 , G06Q20/3223 , G06Q20/3276 , G06Q20/382 , G06Q20/40
摘要： Provided are systems and methods for extending QR and person-to-person based digital wallet payments to non-issuer digital wallets. In one example, the method may include receiving a send request to send payment from a sending account of a digital wallet to a receiving account, executing an authentication protocol between the mobile device and an issuer of the sending account, pulling the requested payment from the issuer of the sending account to the sponsor system, where the pulling shifts a liability of a chargeback to the issuer of the sending account, and pushing the requested payment from the sponsor system to an issuer of the receiving account. In addition, if the merchant is a QR merchant, a method may include accessing the PAN and merchant info from the QR code to process a pull/push transaction using non-issuer digital wallet credentials from contactless tap.
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3.发明申请公开(公告)号：US20150081549A1
公开(公告)日：2015-03-19
申请号：US14479610
申请日：2014-09-08
CPC分类号： G06Q20/4016
摘要： A computer-implemented method for processing a real-time money transfer with a screening payment network having a screening module communicatively coupled to a server computing device is provided. The method includes receiving a request to transfer funds from a payor account associated with an originating institution to a payee account associated with a receiving institution. The request includes money transfer data indicative of a payor's identifying information. The method also includes determining a sanction score based at least in part on the money transfer data, the sanction score indicative of the likelihood that the payor is on at least one sanctioned entity list. The method also includes transmitting the money transfer data and the sanction score to the receiving institution, and transmitting a response message to the originating institution, the response message indicating whether the receiving institution authorizes or denies the request to transfer the funds.
摘要翻译： 提供了一种用于利用具有通信地耦合到服务器计算设备的屏蔽模块的筛选支付网络来处理实时货币转移的计算机实现的方法。 该方法包括接收从与发起机构相关联的支付者帐户转移资金到与接收机构相关联的收款人账户的请求。 该请求包括指示付款人识别信息的汇款数据。 该方法还包括至少部分地基于货币转移数据确定制裁分数，制裁分数指示付款人处于至少一个受制裁的实体列表上的可能性。 该方法还包括向接收机构发送汇款数据和制裁分数，向发起机构发送回复消息，该响应消息指示接收机构是否授权或拒绝转账资金请求。
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公开(公告)号：US20240202733A1
公开(公告)日：2024-06-20
申请号：US18593730
申请日：2024-03-01
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016
摘要： A computer-implemented method for processing a real-time money transfer with a screening payment network having a screening module communicatively coupled to a server computing device is provided. The method includes receiving a request to transfer funds from a payor account associated with an originating institution to a payee account associated with a receiving institution. The request includes money transfer data indicative of a payor's identifying information. The method also includes determining a sanction score based at least in part on the money transfer data, the sanction score indicative of the likelihood that the payor is on at least one sanctioned entity list. The method also includes transmitting the money transfer data and the sanction score to the receiving institution, and transmitting a response message to the originating institution, the response message indicating whether the receiving institution authorizes or denies the request to transfer the funds.
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公开(公告)号：US20190108582A1
公开(公告)日：2019-04-11
申请号：US16152821
申请日：2018-10-05
摘要： A digital account reference is associated with a user's account. A refund message is received. The refund message includes the digital account reference. A monetary amount is credited to the user's account based on the refund message. A notification is transmitted to the user. The notification is about the credit to the account. The transmission of the notification occurs immediately after the refund message is received.
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