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1. 发明授权

US10970695B2 Secure real-time transactions 有权
公开(公告)号：US10970695B2
公开(公告)日：2021-04-06
申请号：US15873440
申请日：2018-01-17
申请人： Early Warning Services, LLC
发明人： Paul Finch , Lou Anne Alexander , Aaron Bartrim
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/32 , G06Q20/38 , G06Q20/02
摘要： A method including receiving, at a mobile device being used by a consumer, a transaction code from a point-of-sale terminal at a store of a merchant. The transaction code can include a merchant public identifier being associated with the merchant, a payment amount for one or more items to be purchased from the merchant by the consumer in a transaction, a transaction identifier for the transaction, and a digital signature. The method also can include verifying the digital signature for the transaction code. The method additionally can include sending, from the mobile device, a request to pay the merchant for the payment amount from a first account of the consumer maintained by a first financial institution, such that the first financial institution, upon receiving the request to pay, retrieves from a transaction system an account identifier of a second account of the merchant maintained by a second financial institution based on the merchant public identifier, such that the first financial institution sends to the transaction system payment information regarding a payment to be made to the second account from the first account, such that the payment information is routed through the transaction system to the second financial institution, and such that the point-of-sale terminal receives a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The payment information can include the transaction identifier, the account identifier of the second account, and the payment amount. Other embodiments are provided.

2. 发明授权

US10832246B2 Payment real-time funds availability 有权
公开(公告)号：US10832246B2
公开(公告)日：2020-11-10
申请号：US15131972
申请日：2016-04-18
申请人： Early Warning Services, LLC
发明人： Gyorgyi Novac , Chuck Hutchison , Lou Anne Alexander , Austin McCormick , Laura Weinflash , Rajesh Kulkarni
IPC分类号： G06Q40/00 , G06Q20/40 , G06Q20/04 , G06Q20/02
摘要： A method including receiving a first promise-to-pay message at a second financial institution. The method also can include performing a successful credit for the payment amount to a second account maintained by the second financial institution to make funds available in the second account in real-time after the payment authorization time. The method additionally can include sending a first response from the second financial institution indicating the successful credit of the second account maintained by the second financial institution to inform at least the sender in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution. Other embodiments are provided.

3. 发明申请

US20180144327A1 SECURE REAL-TIME TRANSACTIONS 审中-公开
公开(公告)号：US20180144327A1
公开(公告)日：2018-05-24
申请号：US15873481
申请日：2018-01-17
申请人： Early Warning Services, LLC
发明人： Paul Finch , Lou Anne Alexander
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/204 , G06Q20/02 , G06Q20/20 , G06Q20/3224 , G06Q20/327 , G06Q20/36 , G06Q20/3825 , G06Q20/401 , G06Q20/4014 , G06Q20/40145 , G06Q20/405
摘要： A method including performing, at a mobile device being used by a consumer, an identity authentication of the consumer. The method also can include receiving, at the mobile device, first information from a point-of-sale terminal at a store of a merchant. The first information can include a merchant identifier, a transaction identifier, and a payment amount. The merchant identifier can be associated with the merchant. The payment amount can be for one or more items to be purchased from the merchant by the consumer in a transaction. The transaction identifier can be associated with the transaction. The method additionally can include sending, from the mobile device, a request to pay the merchant for the payment amount from one or more first accounts of the consumer maintained by a first financial institution, such that the first financial institution, upon receiving the request to pay, retrieves from a transaction system an account identifier of a second account of the merchant maintained by a second financial institution based on the merchant identifier, such that the first financial institution sends to the transaction system payment information regarding a payment to be made to the second account from the one or more first accounts, such that the payment information is routed through the transaction system to the second financial institution, and such that the point-of-sale terminal receives a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. The one or more first accounts can include at least one non-demand deposit account. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The payment information can include the transaction identifier, the account identifier of the second account, and the payment amount. Other embodiments are provided.

4. 发明申请

US20160300225A1 PAYMENT REAL-TIME FUNDS AVAILABILITY 审中-公开
标题翻译：付款实时资金可用性
公开(公告)号：US20160300225A1
公开(公告)日：2016-10-13
申请号：US15131939
申请日：2016-04-18
申请人： Early Warning Services, LLC
发明人： Gyorgyi Novac , Chuck Hutchison , Lou Anne Alexander , Austin McCormick , Laura Weinflash , Rajesh Kulkarni
IPC分类号： G06Q20/40 , G06Q20/26
摘要： A method including receiving a debit message at a first financial institution to debit a first account maintained by the first financial institution based on a payment authorization for a payment amount made by a sender at a payment authorization time, the first account being held by the sender. The method also can include performing a successful debit for the payment amount from the first account maintained by the first financial institution in real-time after the payment authorization time. The method additionally can include sending a debit response from the first financial institution in real-time after the payment authorization time. Other embodiments are provided.
摘要翻译：一种方法，包括在第一金融机构接收借记消息，以在第一金融机构基于由支付授权时间由发送者作出的支付金额的支付授权来借记所述第一帐户，所述第一帐户由所述发送者持有。该方法还可以包括在支付授权时间之后实时地从第一金融机构维护的第一帐户执行支付金额的成功借方。该方法还可以包括在支付授权时间之后实时地从第一金融机构发送借方响应。提供其他实施例。

5. 发明申请

US20160300207A1 PAYMENT REAL-TIME FUNDS AVAILABILITY 审中-公开
标题翻译：付款实时资金可用性
公开(公告)号：US20160300207A1
公开(公告)日：2016-10-13
申请号：US15131957
申请日：2016-04-18
申请人： Early Warning Services, LLC
发明人： Gyorgyi Novac , Chuck Hutchison , Lou Anne Alexander , Austin McCormick , Laura Weinflash , Rajesh Kulkarni
IPC分类号： G06Q20/14 , G06Q20/02 , G06Q20/24 , G06Q20/40 , G06Q20/26
CPC分类号： G06Q20/14 , G06Q20/023 , G06Q20/042 , G06Q20/24 , G06Q20/26 , G06Q20/401 , G06Q20/405
摘要： A method including providing a payment application to a sender from an application service provider. The method also can include receiving a payment authorization from the sender through the payment application. The payment authorization can be made by the sender at a payment authorization time. The method additionally can include sending a first debit message from the application service provider to debit a first account maintained by a first financial institution based on the payment authorization. The method further can include receiving a first debit response at the application service provider in real-time after the payment authorization time. The method additionally can include generating a first promise-to-pay message for a second financial institution to credit a second account maintained by the second financial institution to make funds available in the second account in real-time after the payment authorization time. The method further can include sending the first promise-to-pay message. The method additionally can include receiving a first response at the application service provider indicating a successful credit of the second account maintained by the second financial institution. The method further can include sending a notification to the sender from the application service provider in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution. Other embodiments are provided.
摘要翻译：一种方法，包括从应用服务提供商向发送者提供支付应用。该方法还可以包括通过支付应用从发送方接收支付授权。支付授权可以由发件人在付款授权时间进行。该方法还可以包括从应用服务提供商发送第一借方消息，以基于支付授权来借记由第一金融机构维护的第一帐户。该方法还可以包括在支付授权时间之后实时地在应用服务提供商处接收第一借方响应。该方法还可以包括为第二金融机构生成第一承诺付费消息，以在第二金融机构维护的第二账户信用，以在支付授权时间之后实时地在第二账户中提供资金。该方法还可以包括发送第一个承诺付费消息。该方法还可以包括在应用服务提供商处接收指示第二金融机构维护的第二帐户的成功信用的第一响应。该方法还可以包括在由第二金融机构维护的第二帐户的成功信用的支付授权时间之后实时从应用服务提供商发送通知给发送者。提供其他实施例。

6. 发明授权

US11037122B2 Secure real-time transactions 有权
公开(公告)号：US11037122B2
公开(公告)日：2021-06-15
申请号：US15873533
申请日：2018-01-17
申请人： Early Warning Services, LLC
发明人： Paul Finch , Lou Anne Alexander
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/32 , G06Q20/22 , G06Q20/36
摘要： A method including receiving, at a transaction system from a first entity, a request including a merchant identifier associated with a merchant. The transaction system can be in data communication with a first financial institution that maintains one or more first accounts of a consumer and a second financial institution that maintains a second account of the merchant. The one or more first accounts can include at least one non-demand deposit account. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The consumer can use a mobile device at a store of the merchant to authorize paying a payment amount for one or more items in a transaction using the one or more first accounts. The method also can include determining, at the transaction system, an account identifier of the second account of the merchant maintained by a second financial institution using a merchant account database. The method additionally can include sending the account identifier from the transaction system to the first financial institution. The method further can include receiving, at the transaction system from the first financial institution, payment information regarding a payment to be made to the second account from the one or more first accounts. The payment information can include a transaction identifier, the account identifier of the second account, and the payment amount. The method additionally can include sending, from the transaction system to the second financial institution, the payment information, such that a point-of-sale terminal at the store of the merchant receives a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. Other embodiments are provided.

7. 发明授权

US10963856B2 Secure real-time transactions 有权
公开(公告)号：US10963856B2
公开(公告)日：2021-03-30
申请号：US15873463
申请日：2018-01-17
申请人： Early Warning Services, LLC
发明人： Paul Finch , Lou Anne Alexander , Aaron Bartrim
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/32 , G06Q20/38
摘要： A method including receiving, at a transaction system from a first entity, a request including a merchant public identifier associated with a merchant. The transaction system can be in data communication with a first financial institution that maintains a first account of a consumer and a second financial institution that maintains a second account of the merchant. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The consumer can use a mobile device at a store of the merchant to pay for one or more items in a transaction. The mobile device can receive a transaction code from a point-of-sale terminal at the store. The transaction code can include a transaction identifier, a payment amount for the transaction, the merchant public identifier, and a digital signature. The transaction code can be verified by the mobile device using the digital signature of the transaction code. The method also can include determining, at the transaction system, an account identifier of the second account based on the merchant public identifier using a merchant account database. The method additionally can include sending the account identifier to the first financial institution. The method further can include receiving, at the transaction system from the first financial institution, payment information regarding a payment to be made to the second account from the first account. The method additionally can include sending, from the transaction system to the second financial institution, the payment information, such that the point-of-sale terminal receives a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. The payment information can include the account identifier of the second account, the payment amount, and the transaction identifier. Other embodiments are provided.

8. 发明授权

US10956888B2 Secure real-time transactions 有权
公开(公告)号：US10956888B2
公开(公告)日：2021-03-23
申请号：US15873508
申请日：2018-01-17
申请人： Early Warning Services, LLC
发明人： Paul Finch , Lou Anne Alexander , Aaron Bartrim
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/32
摘要： A method including determining, at a point-of-sale terminal at a store of a merchant, a payment amount for one or more items to be purchased from the merchant by a consumer in a transaction. The method also can include generating a transaction code including a merchant public identifier, the payment amount, a transaction identifier for the transaction, and a digital signature. The method additionally can include providing the transaction code to a mobile device being used by the consumer, such that the mobile device verifies the digital signature and sends a request to pay the merchant for the payment amount from a first account of the consumer maintained by a first financial institution, such that the first financial institution, upon receiving the request to pay, retrieves from a transaction system an account identifier of a second account of the merchant maintained by a second financial institution based on the merchant public identifier, and such that the first financial institution sends to the transaction system payment information regarding a payment to be made to the second account from the first account. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The payment information can be routed through the transaction system to the second financial institution. The payment information can include the transaction identifier, the account identifier of the second account, and the payment amount. The method further can include receiving, at the point-of-sale terminal, a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. Other embodiments are provided.

9. 发明申请

US20180144329A1 SECURE REAL-TIME TRANSACTIONS 审中-公开
公开(公告)号：US20180144329A1
公开(公告)日：2018-05-24
申请号：US15873549
申请日：2018-01-17
申请人： Early Warning Services, LLC
发明人： Paul Finch , Lou Anne Alexander
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/204 , G06Q20/20 , G06Q20/227 , G06Q20/32 , G06Q20/3224 , G06Q20/36 , G06Q20/4014 , G06Q20/40145
摘要： A method including determining, at a point-of-sale terminal at a store of a merchant, a payment amount for one or more items to be purchased from the merchant by a consumer in a transaction. The method also can include sending first information from the point-of-sale terminal to a mobile device used by the consumer. The first information can include a merchant identifier, a transaction identifier, and the payment amount, such that the mobile device sends a request to pay the merchant for the payment amount from one or more first accounts of the consumer maintained by a first financial institution, such that the first financial institution, upon receiving the request to pay, retrieves from a transaction system an account identifier of a second account of the merchant maintained by a second financial institution based on the merchant identifier, such that the first financial institution sends to the transaction system payment information regarding a payment to be made to the second account from the one or more first accounts, and such that the payment information is routed through the transaction system to the second financial institution. The one or more first accounts can include at least one non-demand deposit account. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The payment information can include the transaction identifier, the account identifier of the second account, and the payment amount. The method additionally can include receiving, at the point-of-sale terminal, a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. Other embodiments are provided.

10. 发明申请

US20180144328A1 SECURE REAL-TIME TRANSACTIONS 审中-公开
公开(公告)号：US20180144328A1
公开(公告)日：2018-05-24
申请号：US15873533
申请日：2018-01-17
申请人： Early Warning Services, LLC
发明人： Paul Finch , Lou Anne Alexander
IPC分类号： G06Q20/20 , G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/204 , G06Q20/20 , G06Q20/227 , G06Q20/32 , G06Q20/3224 , G06Q20/36 , G06Q20/4014 , G06Q20/40145
摘要： A method including receiving, at a transaction system from a first entity, a request including a merchant identifier associated with a merchant. The transaction system can be in data communication with a first financial institution that maintains one or more first accounts of a consumer and a second financial institution that maintains a second account of the merchant. The one or more first accounts can include at least one non-demand deposit account. The transaction system can be maintained by an entity that is different from the merchant, the first financial institution, and the second financial institution. The consumer can use a mobile device at a store of the merchant to authorize paying a payment amount for one or more items in a transaction using the one or more first accounts. The method also can include determining, at the transaction system, an account identifier of the second account of the merchant maintained by a second financial institution using a merchant account database. The method additionally can include sending the account identifier from the transaction system to the first financial institution. The method further can include receiving, at the transaction system from the first financial institution, payment information regarding a payment to be made to the second account from the one or more first accounts. The payment information can include a transaction identifier, the account identifier of the second account, and the payment amount. The method additionally can include sending, from the transaction system to the second financial institution, the payment information, such that a point-of-sale terminal at the store of the merchant receives a notification of payment for the transaction in real-time while the consumer remains at the store of the merchant. Other embodiments are provided.

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