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    • 1. 发明申请
    • SYSTEMS AND METHODS OF DIRECT BANK TRANSFER
    • 直接银行转账系统和方法
    • WO2015017707A3
    • 2015-06-04
    • PCT/US2014049247
    • 2014-07-31
    • XERO LTDDRURY RODNEY KENNETHVICKERS MATTHEW JOHN
    • DRURY RODNEY KENNETHVICKERS MATTHEW JOHN
    • G06Q20/20G06Q20/32G06Q20/40
    • G06Q20/023G06Q20/102G06Q20/108G06Q20/382G06Q20/3823G06Q20/3829G06Q20/42
    • A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.
    • 金融机构和支付发起人可以交换公共密钥以实现数据的安全交换。 希望收取付款的企业可以向支付发起人提供其帐户信息。 希望支付的客户可以指示支付发起人加密企业的账户信息以及特定发票的细节并将该信息传送给金融机构。 金融机构可以解密信息并启动从客户到企业的资金转移。 在开始转账之前,金融机构可以向客户提交关于交易的信息以进行修改或确认。 信息可以通过客户从支付发起人发送到金融机构。 在金融机构发起支付之后,可以将确认发送给客户,支付发起人,企业或其任何适当的组合。
    • 2. 发明公开
    • SYSTEMS AND METHODS OF DIRECT BANK TRANSFER
    • SYSTEME UND VERFAHRENFÜRDIREKTEGELDÜBERWEISUNG
    • EP3028226A4
    • 2017-03-08
    • EP14832987
    • 2014-07-31
    • XERO LTD
    • DRURY RODNEY KENNETHVICKERS MATTHEW JOHN
    • G06Q20/20G06Q20/02G06Q20/10G06Q20/32G06Q20/38G06Q20/40G06Q20/42
    • G06Q20/023G06Q20/102G06Q20/108G06Q20/382G06Q20/3823G06Q20/3829G06Q20/42
    • A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.
    • 金融机构和支付发起者可以交换公钥以实现数据的安全交换。 希望收款的企业可以向付款发起者提供其账户信息。 希望支付的客户可以指示付款发起者加密业务的帐户信息以及特定发票的详细信息,并将信息传送到金融机构。 金融机构可以对信息进行解密,并将资金从客户转移到业务。 金融机构可以在开始转账前将有关交易的信息提交给客户进行修改或确认。 信息可以通过客户从支付发起者发送到金融机构。 在金融机构发起付款之后,可以向客户,付款发起者,业务或其任何合适的组合发送确认。
    • 9. 发明专利
    • SYSTEMS AND METHODS OF DIRECT BANK TRANSFER
    • MY180889A
    • 2020-12-11
    • MYPI2016000185
    • 2014-07-31
    • XERO LTD
    • DRURY RODNEY KENNETHVICKERS MATTHEW JOHN
    • A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data ( 1310, 1320). A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution (1115, 1340). The financial institution can decrypt the information and initiate a transfer of money from the customer to the business (1125). The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer ( 1135, 1370). After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof ( 1180).