Abrégé

A network-agnostic processor (NAP) is configured to receive, from a first account-holding institution (AHI), an alias request to initiate a transfer. The NAP queries directory servers to retrieve one or more account numbers associated with the alias, transmits a response to the first AHI including the one or more account numbers, receives a P2P transfer request specifying one of the account numbers, and transmits an approval to an originating institution. The approval specifies one or more payment networks capable of clearing and settling funds between an initiating account and the specified account number. The originating institution is one of the first AHI or a second AHI associated with the specified account number. The NAP causes initiation of clearing and settlement of a funds transfer between the initiating account and the specified account number via a designated settlement system network (DSSN) that is one of the specified payment networks.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A network-agnostic processor (NAP) is configured to receive, from a first account-holding institution (AHI), an alias request to initiate a transfer. The NAP queries directory servers to retrieve one or more account numbers associated with the alias, transmits a response to the first AHI including the one or more account numbers, receives a P2P transfer request specifying one of the account numbers, and transmits an approval to an originating institution. The approval specifies one or more payment networks capable of clearing and settling funds between an initiating account and the specified account number. The originating institution is one of the first AHI or a second AHI associated with the specified account number. The NAP causes initiation of clearing and settlement of a funds transfer between the initiating account and the specified account number via a designated settlement system network (DSSN) that is one of the specified payment networks.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• H04L 67/104 - Réseaux de pairs [P2P]

Abrégé

An electronic device comprising circuitry configured to: receive a transaction request, requesting a transaction, in response to a user initiating a transaction at an automated teller machine. The transaction request conforming to a transaction request protocol and including at least a first field for the value of the transaction and a second field for identification of an account for which the transaction is requested. The circuitry retrieves from storage an electronic device identifier associated with the account for which the transaction is requested. It determines whether authentication of the user should be requested based at least on a property of the requested transaction. The circuitry transmits a request for authentication of the user to the electronic device identified by the electronic device identifier; and transmit a transaction instruction to the automated teller machine based on a condition of a response to the request for authentication of the user.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

Systems and methods are provided for allocating resources between data centers in response to insufficient resources at one of the data centers. One example computer-implemented method includes determining by a first data center, in response to a request for resources, whether the resources exceed remaining resources of the first data center. In response to determining that the requested resources exceed the remaining resources of the first data center, the first data center reserves its remaining resources, appends an entry for the remaining resources to a ledger, and submits a request to a second data center to reserve a difference between the resources in the request and the remaining resources of the first data center. Then, in response to a time interval expiring without the reserved remaining resources being utilized, the reserved remaining resources identified in the entry in the ledger are refunded to the first data center.

Classes IPC  ?

• H04L 47/72 - Contrôle d'admission; Allocation des ressources en utilisant des actions de réservation pendant l’établissement de la connexion

Abrégé

Systems and methods are provided for allocating resources between data centers in response to insufficient resources at one of the data centers. One example computer-implemented method includes determining by a first data center, in response to a request for resources, whether the resources exceed remaining resources of the first data center. In response to determining that the requested resources exceed the remaining resources of the first data center, the first data center reserves its remaining resources, appends an entry for the remaining resources to a ledger, and submits a request to a second data center to reserve a difference between the resources in the request and the remaining resources of the first data center. Then, in response to a time interval expiring without the reserved remaining resources being utilized, the reserved remaining resources identified in the entry in the ledger are refunded to the first data center.

Classes IPC  ?

• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
• G06Q 10/0631 - Planification, affectation, distribution ou ordonnancement de ressources d’entreprises ou d’organisations
• H04W 16/10 - Répartition dynamique des ressources
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• H04L 67/1014 - Sélection du serveur pour la répartition de charge basée sur le contenu d'une demande
• H04L 67/1025 - Adaptation dynamique des critères sur lesquels repose la sélection du serveur
• H04L 67/1034 - Réaction aux pannes de serveur par un répartiteur de charge

Abrégé

A method of associating a first party and a second party is provided, the method comprising receiving a first electronic message comprising information indicative of the first party; generating a first electronic token in response to receiving the information indicative of the first party; sending the first electronic token to the first party; receiving one or more second electronic messages from the second party, the one or more second electronic messages comprising the first electronic token and information indicative of the second party; generating a second electronic token in response to receiving the first electronic token and the information indicative of the second party from the second party; associating the information indicative of the first party, the second party and the second electronic token, the first party being identified on the basis of the first electronic token, and sending the second electronic token to the first party.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

An information processing system for associating a first party and a second party comprising: a first information processing apparatus; a second information processing apparatus configured to: receive a message from the first information processing apparatus comprising information identifying the second party; generate a code associated with the second party; and transmit a message comprising the code to the first information processing apparatus; and a third information processing apparatus configured to: receive an authentication credential from the first party; obtain the code; transmit a message comprising the code and information identifying the first party to the second information processing apparatus; wherein the second information processing apparatus is configured to: associate the first and second parties; and transmit a message comprising information indicating the association of the first and second parties to the third information processing apparatus; wherein the third information processing apparatus is configured to: receive approval of the association from the first party; and transmit a message comprising information indicating the approval of the association to the second information processing apparatus; wherein the second information processing apparatus is configured to transmit a message comprising information indicating the approval of the association to the first information processing apparatus.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

An information processing system for associating a first party and a second party can include a second information processing apparatus that receives a message from a first information processing apparatus comprising information identifying the second party; generates a code associated with the second party; transmits a message comprising the code to the first information processing apparatus; receives a message comprising the code and information identifying the first party from a third information processing apparatus that receives an authentication credential from the first party; associates the first and second parties; transmits a message comprising information indicating the association of the first and second parties to the third information processing apparatus; receives a message comprising information indicating the approval of the association by the first party from the third information processing apparatus; and transmits a message comprising information indicating the approval of the association to the first information processing apparatus.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance

Abrégé

A method of tracing messages through a network of nodes is provided, the method comprising receiving message information corresponding to a first outbound message, the message information comprising a first source identifier and a first destination identifier and determining whether the first source identifier is associated with a set of messages in a storage unit, whereby when the first source identifier is associated with a set of messages, the method comprises producing a trace request, the trace request comprising the first destination identifier and an identifier identifying the set of messages associated with the first source identifier.

Classes IPC  ?

• H04L 43/10 - Surveillance active, p.ex. battement de cœur, utilitaire Ping ou trace-route
• G06Q 30/00 - Commerce
• H04L 69/28 - Minuteurs ou mécanismes de chronométrage utilisés dans les protocoles
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

An electronic device for instructing performance of a transaction which has been requested at an automated teller machine is provided, the electronic device comprising circuitry configured to: receive a transaction request, requesting a transaction, in response to a user initiating a transaction at an automated teller machine, the transaction request conforming to a transaction request protocol and including at least a first field for the value of the transaction and a second field for identification of an account for which the transaction is requested; retrieve from storage, based on the transaction request, an electronic device identifier associated with the account for which the transaction is requested; determine whether authentication of the user should be requested based at least on a property of the requested transaction; and, when it is determined that authentication of the user should be requested, the circuitry is further configured to: transmit a request for authentication of the user to the electronic device identified by the electronic device identifier; and transmit a transaction instruction to the automated teller machine based on a condition of a response to the request for authentication of the user.

Classes IPC  ?

• G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
• G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

Abrégé

A method of associating a first party and a second party is provided, the method comprising: receiving a first electronic message comprising information indicative of the first party; generating a first electronic token in response to receiving the information indicative of the first party; sending the first electronic token to the first party; receiving one or more second electronic messages from the second party, the one or more second electronic messages comprising the first electronic token and information indicative of the second party; generating a second electronic token in response to receiving the first electronic token and the information indicative of the second party from the second party; associating the information indicative of the first party, the second party and the second electronic token, the first party being identified on the basis of the first electronic token; and sending the second electronic token to the first party.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Methods and switches are provided for communicating electronic messages between financial institutions. One example method includes receiving, at a first switch of a plurality of switches, an electronic message for a transaction, where the electronic message includes a unique identifier for the transaction, and identifying, by the first switch, one of the plurality of switches to process the electronic message based on the unique identifier. The method also includes, in response to the first switch being the identified one of the plurality of switches, processing, by the first switch, the electronic message and, in response to a second switch of the plurality of switches being the identified one of the plurality of switches, forwarding, by the first switch, the electronic message to the second switch for processing.

Classes IPC  ?

• H04L 51/23 - Contrôles de fiabilité, p.ex. acquittements ou signalement de fautes
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

A gateway is provided for controlling transfer of electronic messages between a financial institution and a transaction processing system comprising a plurality of switches. The gateway includes communication circuitry operable to receive an electronic message issued by the financial institution and processing circuitry operable to determine whether the electronic message includes enough information for a switch of the transaction processing system to process the electronic message. In response to the electronic message including enough information, the communication circuitry is further operable to transmit the electronic message over a data communications network for storage in a message queue unit associated with the transaction processing system for subsequent processing by the switch. In response to the electronic message not including enough information, the communication circuitry is operable to return the electronic message to the financial institution.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/26 - Schémas de débit, c. à d. de "paiement immédiat"

Abrégé

A communications device for implementing an electronic payment process, the communications device including a receiver unit operable to receive a secure limited use key (SLUK) from a financial institution that is generated by the financial institution using a first limited use key (LUK) generated using a first key associated with the financial institution, an identifier which identifies a user of the communications device, and a variable code, and a subset of the characters of a passcode associated with the user of the communications device, each character in the subset being identified by its character position in the passcode, and the character position in the passcode of each of the characters in the subset being determined by a predetermined algorithm on the basis of a second key associated with the user of the communications device, the identifier which identifies the user of the communications device and the variable code.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• H04L 9/08 - Répartition de clés

Abrégé

A method of generating a plurality of different one time tokens, the method including acquiring a first numerical value from a predetermined sequence of consecutive numerical values, applying format preserving encryption to the acquired first numerical value to generate a first numerical one time token; acquiring a second numerical value from the predetermined sequence of consecutive numerical values, the acquired second numerical value being different to the acquired first numerical value, and applying the format preserving encryption to the acquired second numerical value to generate a second numerical one time token.

Classes IPC  ?

• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

A system for allowing electronic payments through use of a unique proxy includes a first server, a first registration database and a first lookup database. The first server receives an electronic registration request message, including registration information of a first user, from a financial institution of the first user. The first registration database then copies a subset of the registration information, including a unique proxy of the first user, to the first lookup database as the first user's lookup information. When the first server receives an electronic proxy payment request message, including the unique proxy of the first user, from a financial institution of a second user, the first server looks up the first user's lookup information in the first lookup database on the basis of the unique proxy of the first user and transmits the first user's lookup information to the financial institution of the second user.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
• G06F 16/23 - Mise à jour
• G06Q 10/10 - Bureautique; Gestion du temps
• H04L 12/741 - Traitement de l'adressage d’en-tête pour le routage, p.ex. table de correspondance

Abrégé

A method for verifying integrity of electronic messages, comprising the steps of: obtaining an input message digest for a source electronic message; adding the input message digest to an input accumulator that accumulates the input message digests over a predetermined period of time; obtaining an output message digest for a destination electronic message; adding the output message digest to an output accumulator that accumulates the output message digests over the predetermined period of time; comparing the value of the input accumulator with the value of the output accumulator at the expiration of the predetermined period of time; and verifying integrity in the source and destination electronic messages over the predetermined period of time when the value of the input accumulator is equivalent to the value of the output accumulator.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• G06Q 20/16 - Paiements effectués par le biais de systèmes de télécommunication

Abrégé

A Method, Apparatus and Computer Program for Verifying the Integrity of Electronic Messages A method for verifying integrity of electronic messages, comprising the steps of: obtaining an input message digest for a source electronic message; adding the input message digest to an input accumulator that accumulates the input message digests over a predetermined period of time; obtaining an output message digest for a destination electronic message; adding the output message digest to an output accumulator that accumulates the output message digests over the predetermined period of time; comparing the value of the input accumulator with the value of the output accumulator at the expiration of the predetermined period of time; and verifying integrity in the source and destination electronic messages over the predetermined period of time when the value of the input accumulator is equivalent to the value of the output accumulator.

Classes IPC  ?

• G06Q 10/10 - Bureautique; Gestion du temps

Abrégé

An interface is provided for controlling transfer of electronic transaction messages between a financial institution and switches distributed amongst a plurality of switch sites. The financial institution and the switches are connected via a data communications network. Communication circuitry is operable to transmit a test message to one of the switch sites over the data network if no transaction message is received from that switch site for a predetermined time. And, in response to the test message, the communication circuitry is operable to receive an echo of the test message from the switch site. If the echo is received within a defined time, processing circuitry is operable to then set the operational status of the switch site as operational, and if the echo is not received within the defined time, the operational status of the switch site is set as not operational.

Classes IPC  ?

• G06F 15/16 - Associations de plusieurs calculateurs numériques comportant chacun au moins une unité arithmétique, une unité programme et un registre, p.ex. pour le traitement simultané de plusieurs programmes
• H04L 12/58 - Systèmes de commutation de messages
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

A method of building a set of traceable messages through a network of nodes is provided, the method comprising receiving message information corresponding to a first message, the message information comprising a first source identifier and a first destination identifier and determining whether the source identifier is associated with a set of previous messages, whereby when the first source identifier is associated with a set of previous messages, the method comprises identifying the first message as also belonging to the set of previous messages and when the first source identifier is not associated with a set of previous messages, the method comprises identifying the first message as belonging to a new set of messages, the method further comprising associating the first destination identifier with the set of messages to which the first message belongs, such that if a second message is sent from that destination, the second message will be identified as belonging to that set of messages.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• H04L 43/10 - Surveillance active, p.ex. battement de cœur, utilitaire Ping ou trace-route
• H04L 69/28 - Minuteurs ou mécanismes de chronométrage utilisés dans les protocoles

Abrégé

A method of building a set of traceable messages through a network of nodes is provided, the method comprising receiving message information corresponding to a first message, the message information comprising a first source identifier and a first destination identifier and determining whether the source identifier is associated with a set of previous messages, whereby when the first source identifier is associated with a set of previous messages, the method comprises identifying the first message as also belonging to the set of previous messages and when the first source identifier is not associated with a set of previous messages, the method comprises identifying the first message as belonging to a new set of messages, the method further comprising associating the first destination identifier with the set of messages to which the first message belongs, such that if a second message is sent from that destination, the second message will be identified as belonging to that set of messages.

Classes IPC  ?

• H04L 12/26 - Dispositions de surveillance; Dispositions de test
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole

Abrégé

A method of tracing messages through a network of nodes is provided, the method comprising receiving message information corresponding to a first outbound message, the message information comprising a first source identifier and a first destination identifier and determining whether the first source identifier is associated with a set of messages in a storage unit, whereby when the first source identifier is associated with a set of messages, the method comprises producing a trace request, the trace request comprising the first destination identifier and an identifier identifying the set of messages associated with the first source identifier.

Classes IPC  ?

• H04L 43/10 - Surveillance active, p.ex. battement de cœur, utilitaire Ping ou trace-route
• G06Q 30/00 - Commerce
• H04L 69/28 - Minuteurs ou mécanismes de chronométrage utilisés dans les protocoles
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A method of tracing messages through a network of nodes is provided, the method comprising receiving message information corresponding to a first outbound message, the message information comprising a first source identifier and a first destination identifier and determining whether the first source identifier is associated with a set of messages in a storage unit, whereby when the first source identifier is associated with a set of messages, the method comprises producing a trace request, the trace request comprising the first destination identifier and an identifier identifying the set of messages associated with the first source identifier.

Classes IPC  ?

• H04L 43/10 - Surveillance active, p.ex. battement de cœur, utilitaire Ping ou trace-route

Abrégé

A method of building a set of traceable messages through a network of nodes is provided, the method comprising receiving message information corresponding to a first message, the message information comprising a first source identifier and a first destination identifier and determining whether the source identifier is associated with a set of previous messages, whereby when the first source identifier is associated with a set of previous messages, the method comprises identifying the first message as also belonging to the set of previous messages and when the first source identifier is not associated with a set of previous messages, the method comprises identifying the first message as belonging to a new set of messages, the method further comprising associating the first destination identifier with the set of messages to which the first message belongs, such that if a second message is sent from that destination, the second message will be identified as belonging to that set of messages.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole

Abrégé

A method of tracing messages through a network of nodes is provided, the method comprising receiving message information corresponding to a first outbound message, the message information comprising a first source identifier and a first destination identifier and determining whether the first source identifier is associated with a set of messages in a storage unit, whereby when the first source identifier is associated with a set of messages, the method comprises producing a trace request, the trace request comprising the first destination identifier and an identifier identifying the set of messages associated with the first source identifier.

Classes IPC  ?

• H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole

Abrégé

A method comprising: receiving a first instruction from a first user, the first instruction being an instruction to transfer to a first value from a first institution to a second institution; receiving a second instruction from a second user, the second instruction being an instruction to transfer a second value from the second institution to the first institution, wherein the first value is greater than the second value; calculating the difference between the first value and the second value; and comparing the calculated difference to a predetermined amount, wherein if the calculated difference is greater than the predetermined amount, the method comprises: automatically notify the second institution.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement

Abrégé

A method comprising: receiving a first instruction from a first user, the first instruction being an instruction to transfer to a first value from a first institution to a second institution; receiving a second instruction from a second user, the second instruction being an instruction to transfer a second value from the second institution to the first institution, wherein the first value is greater than the second value; calculating the difference between the first value and the second value; and comparing the calculated difference to a predetermined amount, wherein if the calculated difference is greater than the predetermined amount, the method comprises: automatically notify the second institution.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement
• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

A method of performing a redirect in a browser viewing a page in a first-party domain is provided. The method includes the steps of checking for the presence of a cookie in the browser associated with a third-party domain, and in the absence of the third-party cookie, the method includes redirecting the browser from the first-party domain to the third-party domain and, in response, returning from the third-party domain, a fixed value cookie for storage in the browser.

Classes IPC  ?

• H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison

Abrégé

A device in communication with a server over a network, the device comprising a processor and a network interface for communication over the network, wherein the processor is configured to: generate a request to purchase a trip and to send this request to the server using the network interface; the processor being further configured to receive a Real Time Payment indicator via the network interface and to send the received Real Time Payment indicator to a financial institution.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 50/14 - Agences de voyage

Abrégé

Provided herein is a method for delivering web content to a computer user where the computer user must provide data for verification. A control presented by a first web page provided by a requesting server of a requesting party may be selected to request a further web page where data may be entered that requires verification. The requesting server may redirect the computer user to a verifying server that may provide a second web page to fulfil the request for the further web page. The second web page may be presented as a foreground window positioned over a backdrop frame. The foreground window may be provided with fields for entering the data and the backdrop frame may be provided by the requesting party. The verifying server may verify data entered in the foreground window and may send the requesting server a notification as to whether the verification was successful.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• H04L 9/40 - Protocoles réseaux de sécurité
• G06F 3/0482 - Interaction avec des listes d’éléments sélectionnables, p.ex. des menus
• G06F 3/0483 - Interaction avec des environnements structurés en pages, p.ex. métaphore livresque

Abrégé

Provided herein is a method of facilitating a transaction between a payer and a payee using a push payment. The payee sends a request for a payment identification code to a payment agent with payment information. The payment agent generates a unique payment identification code and stores the code along with the associated payment information, and sends the payment identification code to the payee who provides the code to the payer. The payer sends the payment identification code to a financial institution that forwards the code to the payment agent, which uses the code to retrieve the previously stored payment information, and sends the information to the financial institution who forwards the information to the payer. The payer may review information and send a request to pay message including the code to the financial institution, which then arranges for a push payment from the payer to the payee.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06F 21/31 - Authentification de l’utilisateur
• G06Q 20/08 - Architectures de paiement
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

The present disclosure relates to a secure method of providing a delivery address during a tokenized payment transaction scheme. A consumer places an order with a merchant without providing a delivery address. A distributor that collects payments due to the merchant requests a payment identification code and a delivery address from a payment agent. The request includes payment information. The payment agent generates and stores a payment identification code along with the payment information, and sends the code to the consumer via the distributor. The consumer forwards the code to a financial institution for forwarding to the payment agent who returns the payment information along with a request for a delivery address. The consumer may respond by authorizing the payment and by providing a delivery address. The financial institution then arranges the payment to the merchant and sees that the merchant receives the delivery address.

Classes IPC  ?

• G06Q 30/00 - Commerce
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 10/08 - Logistique, p.ex. entreposage, chargement ou distribution; Gestion d’inventaires ou de stocks
• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance

Abrégé

An apparatus for identifying an end node bank account in a network of bank accounts for funds from a fraudulent transaction, comprising processing circuitry configured to: identify a node account into which funds from the fraudulent transaction are paid; determine the number of account relationships associated 5 with the node account; and identify the node account as an end node bank account when the number of account relationships is above a threshold value.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• H04L 12/16 - Dispositions pour la fourniture de services particuliers aux abonnés

Abrégé

An apparatus for identifying an end node bank account in a network of bank accounts for funds from a fraudulent transaction, comprising processing circuitry configured to: identify a node account into which funds from the fraudulent transaction are paid; determine the number of account relationships associated 5 with the node account; and identify the node account as an end node bank account when the number of account relationships is above a threshold value.

Classes IPC  ?

• H04W 12/12 - Détection ou prévention de fraudes
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

The present invention provides a device for processing electronic transaction request messages from financial institutions, each transaction request message instructing payment of funds from one financial account in a first financial institution to another financial account in a second financial institution, the device comprising: a plurality of switches located at a location, each switch being operable to receive a transaction request message from a financial institution; and a clustered database connected to the plurality of switches, the clustered database comprising a plurality of synchronised databases, wherein the clustered database is con figured to generate a transaction summary record on the basis of the received transaction request message that allows settlement of the funds between the financial accounts defined by the received transaction request message.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques

Abrégé

A method of performing a redirect in a browser viewing a page in a first-party domain is described. The method comprises the steps of: checking for the presence of a cookie in the browser associated with a third-party domain, and in the absence of the third-party cookie, the method comprises: redirecting the browser from the first-party domain to the third-party domain and, in response, returning from the third- party domain, a fixed value cookie for storage in the browser.

Classes IPC  ?

• H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison

Abrégé

The present invention relates to delivering web content to a computer user where the computer user is required to provide data for verification. A control presented by a first web page provided by a requesting server of a requesting party may be selected to request a further web page where data may be entered that requires verification. The requesting server may redirect the computer user to a verifying server that may provide a second web page to fulfil the request for the further web page. The second web page may be presented as a foreground window positioned over a backdrop frame. The foreground window may be provided with fields for entering the data and the backdrop frame may be provided by the requesting party. The verifying server may verify data entered in the foreground window and may send the requesting server a notification as to whether or not the verification was successful.

Classes IPC  ?

• G06F 21/31 - Authentification de l’utilisateur
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A system for allowing electronic payments through use of a unique proxy, the system comprising a first server, a first registration database and a first lookup database, wherein: the first server is operable to: receive an electronic registration request message from a financial institution of a first user, the electronic registration request message comprising registration information of the first user including bank account information identifying a bank account of the first user, an identifier of the first user, a unique proxy of the first user, and auxiliary information associated with the first user; and store the registration information of the first user in the first registration database; the first registration database is operable to copy a subset of the registration information of the first user to the first lookup database as lookup information of the first user, the lookup information including the bank account information of the first user, the identifier of the first user and the unique proxy of the first user; and the first server is operable to: receive an electronic proxy payment request message from a financial institution of a second user, the electronic proxy payment request message comprising the unique proxy of the first user; look up the lookup information of the first user in the first lookup database on the basis of the unique proxy of the first user comprised within the electronic proxy payment request message; and transmit the lookup information of the first user to the financial institution of the second user.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

A communications device for implementing an electronic payment process, the communications device comprising: a receiver unit operable to: receive a secure limited use key (SLUK) from a financial institution, the SLUK being generated by the financial institution using (1) a first limited use key (LUK) generated using a first key associated with the financial institution, an identifier which identifies a user of the communications device and a variable code and (2) a subset of the characters of a passcode associated with the user of the communications device, each character in the subset being identified by its character position in the passcode and the character position in the passcode of each of the characters in the subset being determined by a predetermined algorithm on the basis of a second key associated with the user of the communications device, the identifier which identifies the user of the communications device and the variable code, the second key being a secret key, wherein the SLUK is generated by wrapping the first LUK using each of the characters in the subset; and receive the variable code from the financial institution; a storage unit operable to store the received SLUK and variable code and to store the second key associated with the user of the communications device and the identifier which identifies the user of the communications device; a controller operable to, in response to an operation by a user to initiate an electronic payment at a point of sale (POS) device, generate the character position in the passcode of each character in the subset, the character position in the passcode of each character in the subset being determined by the predetermined algorithm on the basis of the second key, the identifier of the user of the communications device and the variable code, as stored in the storage unit; and a user interface operable to indicate to the user of the communications device the character position in the passcode of each character in the subset as generated by the controller and to receive an input from the user indicative of each character in the subset; wherein the controller is operable to perform an unwrapping process on the SLUK stored in the storage unit using each character indicated by the input from the user, the unwrapping process generating a second LUK; and wherein the communications device comprises: a transmitter unit operable to transmit the generated second LUK to the financial institution for authentication of the electronic payment.

Classes IPC  ?

• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G07F 7/10 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée utilisée simultanément avec un signal codé

Abrégé

A method of generating a plurality of different one time tokens, the method comprising: acquiring a first numerical value from a predetermined sequence of consecutive numerical values; applying format preserving encryption to the acquired first numerical value to generate a first numerical one time token; acquiring a second numerical value from the predetermined sequence of consecutive numerical values, the acquired second numerical value being different to the acquired first numerical value; and applying the format preserving encryption to the acquired second numerical value to generate a second numerical one time token.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

The present invention relates to a secure method of providing a delivery address during a tokenised payment transaction scheme. A consumer places an order with a merchant without providing a delivery address. A distributor that collects payments due to the merchant requests a payment identification code and a delivery address from a payment agent. The request includes payment information. The payment agent generates and stores a payment identification code along with the payment information, and sends the code to the consumer via the distributor. The consumer forwards the code to a financial institution for forwarding to the payment agent who returns the payment information along with a request for a delivery address. The consumer may respond by authorising the payment and by providing a delivery address. The financial institution then arranges the payment to the merchant and sees that the merchant receives the delivery address.

Classes IPC  ?

• G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

The present invention relates to a method of facilitating a transaction between a payer and a payee using a push payment. The payee sends a request for a payment identification code to a payment agent with payment information identifying the payee and the amount to be paid. The payment agent generates a unique payment identification code and stores the code along with the associated payment information, and sends the payment identification code to the payee who in turn provides the code to the payer. The payer sends the payment identification code to a financial institution that forwards the code to the payment agent. The payment agent uses the code to retrieve the previously stored payment information, and sends the information to the financial institution who forwards the information to the payer. The payer may review information and send a request to pay message including the code to the financial institution. The financial institution then arranges for a push payment from the payer to the payee.

Classes IPC  ?

• G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal

Abrégé

The present invention relates to linking of computer devices for performing tokenised payment transactions, for example linking a web browser operating on a first computing device such as a desktop or laptop computer with a mobile computing device such as a smartphone or tablet. This may allow for a payer to shop using a first computing device, but to arrange payment using a second computing device such as a mobile computing device like a smart phone, tablet or similar. The mobile computing device may have an app installed that is used to arrange the tokenised transaction, for example a banking app provided by a financial institution. The banking app may provide enhanced security.

Classes IPC  ?

• G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

Abrégé

The present invention provides a system for receiving transaction requests from a financial institution, the system comprising i) a plurality of servers connected over a network, wherein each server comprises a storage unit configured to store a settlement risk position which is the sum of the value of previously processed transaction requests over a period of time, a debit cap value associated with the financial institution, an adjustment value and a new transaction request having a transaction value, wherein the debit cap value stored in each server is determined in accordance with the total debit cap attributed to the financial institution and the number of servers in the system; ii) communication circuitry configured to receive the adjustment value over the network, the adjustment value being determined as the average, value of the settlement risk position across the plurality of servers; and iii) control circuitry configured to determine whether the debit cap has been exceeded by comparing tire debit cap value with the sum of the settlement risk position, the adjustment value and the transaction value of the new transaction request, whereby in the event that the debit cap value will be exceeded, rejecting the new transaction request.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/26 - Schémas de débit, c. à d. de "paiement immédiat"

Abrégé

The present invention provides an interface for controlling the transfer of electronic transaction messages between a first financial institution and a plurality of switches distributed amongst a plurality of switch sites, wherein the first financial institution and the plurality of switches are connected via a data communications network, the interface comprising communication circuitry, processing circuitry and memory storing the operational status of each switch site, wherein the communication circuitry is operable to transmit a test message to one of the switch sites over the data network if no transaction message has been received from that switch site for a predetermined time, and in response to the test message, the communication circuitry is operable to receive an echo of the test message from the switch site; wherein the processing circuitry is operable such that if the echo is received within a defined time then the operational status of the switch site is set as operational and if the echo is not received within the defined time then the operational status of the switch site is set as not operational; whereby in the event that the operational status of the switch site is set to not operational, the processing circuitry is operable such that no electronic messages are transferred to the switch site.

Classes IPC  ?

• G06F 15/16 - Associations de plusieurs calculateurs numériques comportant chacun au moins une unité arithmétique, une unité programme et un registre, p.ex. pour le traitement simultané de plusieurs programmes
• H04L 12/58 - Systèmes de commutation de messages
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

The present invention provides a system for receiving electronic messages from a financial institution, the system comprising a plurality of switches configured to communicate with one another and to process the received electronic messages, wherein each switch includes processing circuitry that is configured to receive an electronic message that includes a unique identifier and, in dependence upon the unique identifier, either process the electronic message or forward the electronic message to another one of the switches for processing.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
• G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

A method of processing a payment instruction including: receiving a payment instruction from a user, the payment instruction including payment details and an electronic signature, the electronic signature being destroyed if the content of payment instruction is altered; checking presence of the electronic signature and confirming integrity of the payment instruction when the electronic signature is present; wherein in event the integrity of the payment instruction is confirmed, the method: i) stores the payment instruction in a first storage unit using a relational database management system (RDBMS); ii) replicates the payment instruction and stores the replicated payment instruction in a second storage unit using the RDBMS; and iii) transmits an acknowledgement signal to the user once the payment instruction has been successfully stored in the first storage unit and the replicated payment instruction has been successfully stored in the second storage unit.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

The present invention provides a system for receiving electronic messages from a financial institution, the system comprising a plurality of switches configured to communicate with one another and to process the received electronic messages, wherein each switch includes processing circuitry that is configured to receive an electronic message that includes a unique identifier and, in dependence upon the unique identifier, either process the electronic message or forward the electronic message to another one of the switches for processing.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

The present invention provides an interface for controlling the transfer of electronic transaction messages between a first financial institution and a plurality of switches distributed amongst a plurality of switch sites, wherein the first financial institution and the plurality of switches are connected via a data communications network, the interface comprising communication circuitry, processing circuitry and memory storing the operational status of each switch site, wherein the communication circuitry is operable to transmit a test message to one of the switch sites over the data network if no transaction message has been received from that switch site for a predetermined time, and in response to the test message, the communication circuitry is operable to receive an echo of the test message from the switch site; wherein the processing circuitry is operable such that if the echo is received within a defined time then the operational status of the switch site is set as operational and if the echo is not received within the defined time then the operational status of the switch site is set as not operational; whereby in the event that the operational status of the switch site is set to not operational, the processing circuitry is operable such that no electronic messages are transferred to the switch site.

Classes IPC  ?

• H04L 43/0805 - Surveillance ou test en fonction de métriques spécifiques, p.ex. la qualité du service [QoS], la consommation d’énergie ou les paramètres environnementaux en vérifiant la disponibilité
• H04L 43/10 - Surveillance active, p.ex. battement de cœur, utilitaire Ping ou trace-route
• H04L 51/23 - Contrôles de fiabilité, p.ex. acquittements ou signalement de fautes
• H04L 69/40 - Dispositions, protocoles ou services de réseau indépendants de la charge utile de l'application et non couverts dans un des autres groupes de la présente sous-classe pour se remettre d'une défaillance d'une instance de protocole ou d'une entité, p.ex. protocoles de redondance de service, état de redondance de protocole ou redirection de service de protocole
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

The present invention provides an interface for controlling the transfer of electronic messages between a financial institution and a transaction processing system for processing the messages, wherein the financial institution is connected to the transaction processing system via a data communications network, the interface comprising communication circuitry operable to receive an electronic message issued by the financial institution; and processing circuitry operable to determine whether the format of the electronic message conforms to a predetermined standard necessary for processing of the electronic message; and in the event that the format of the electronic message does conform to the predetermined standard, the communication circuitry is further operable to transmit the electronic message over the network for storage in a message queue unit associated with the transaction processing system; and in the event that the format of the electronic message does not conform to the predetermined standard, the communication circuitry is operable to return the electronic message to the financial institution.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

The present invention provides an interface for controlling the transfer of electronic transaction messages between a first financial institution and a plurality of switches distributed amongst a plurality of switch sites, wherein the first financial institution and the plurality of switches are connected via a data communications network, the interface comprising communication circuitry, processing circuitry and memory storing the operational status of each switch site, wherein the communication circuitry is operable to transmit a test message to one of the switch sites over the data network if no transaction message has been received from that switch site for a predetermined time, and in response to the test message, the communication circuitry is operable to receive an echo of the test message from the switch site; wherein the processing circuitry is operable such that if the echo is received within a defined time then the operational status of the switch site is set as operational and if the echo is not received within the defined time then the operational status of the switch site is set as not operational; whereby in the event that the operational status of the switch site is set to not operational, the processing circuitry is operable such that no electronic messages are transferred to the switch site.

Classes IPC  ?

• H04L 12/58 - Systèmes de commutation de messages
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

The present invention provides a device for processing electronic transaction request messages from financial institutions, each transaction request message instructing payment of funds from one financial account in a first financial institution to another financial account in a second financial institution, the device comprising: a plurality of switches located at a location, each switch being operable to receive a transaction request message from a financial institution; and a clustered database connected to the plurality of switches, the clustered database comprising a plurality of synchronised databases, wherein the clustered database is configured to generate a transaction summary record on the basis of the received transaction request message that allows settlement of the funds between the financial accounts defined by the received transaction request message.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

The present invention provides an interface for controlling the transfer of electronic messages between a financial institution and a transaction processing system for processing the messages, wherein the financial institution is connected to the transaction processing system via a data communications network, the interface comprising communication circuitry operable to receive an electronic message issued by the financial institution; and processing circuitry operable to determine whether the format of the electronic message conforms to a predetermined standard necessary for processing of the electronic message; and in the event that the format of the electronic message does conform to the predetermined standard, the communication circuitry is further operable to transmit the electronic message over the network for storage in a message queue unit associated with the transaction processing system; and in the event that the format of the electronic message does not conform to the predetermined standard, the communication circuitry is operable to return the electronic message to the financial institution.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

The present invention provides a system for receiving transaction requests from a financial institution, the system comprising i) a plurality of servers connected over a network, wherein each server comprises a storage unit configured to store a settlement risk position which is the sum of the value of previously processed transaction requests over a period of time, a debit cap value associated with the financial institution, an adjustment value and a new transaction request having a transaction value, wherein the debit cap value stored in each server is determined in accordance with the total debit cap attributed to the financial institution and the number of servers in the system; ii) communication circuitry configured to receive the adjustment value over the network, the adjustment value being determined as the average value of the settlement risk position across the plurality of servers; and iii) control circuitry configured to determine whether the debit cap has been exceeded by comparing the debit cap value with the sum of the settlement risk position, the adjustment value and the transaction value of the new transaction request, whereby in the event that the debit cap value will be exceeded, rejecting the new transaction request.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/26 - Schémas de débit, c. à d. de "paiement immédiat"

Abrégé

The present invention provides a device for processing electronic transaction request messages from financial institutions, each transaction request message instructing payment of funds from one financial account in a first financial institution to another financial account in a second financial institution, the device comprising: a plurality of switches located at a location, each switch being operable to receive a transaction request message from a financial institution; and a clustered database connected to the plurality of switches, the clustered database comprising a plurality of synchronised databases, wherein the clustered database is configured to generate a transaction summary record on the basis of the received transaction request message that allows settlement of the funds between the financial accounts defined by the received transaction request message.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

The present invention provides a system for receiving electronic messages from a financial institution, the system comprising a plurality of switches configured to communicate with one another and to process the received electronic messages, wherein each switch includes processing circuitry that is configured to receive an electronic message that includes a unique identifier and, in dependence upon the unique identifier, either process the electronic message or forward the electronic message to another one of the switches for processing.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

A method of processing a payment instruction is described. This method comprises: receiving a payment instruction from a user, the payment instruction comprising payment details and an electronic signature, the electronic signature being destroyed if the content of payment instruction is altered; checking the presence of the electronic signature and confirming the integrity of the payment instruction when the electronic signature is present; wherein in the event that the integrity of the payment instruction is confirmed, the method comprises: i) storing the payment instruction in a first storage unit using a relational database management system (RDBMS); ii) replicating the payment instruction and storing the replicated payment instruction in a second storage unit using the RDBMS; and iii) transmitting an acknowledgement signal to the user once the payment instruction has been successfully stored in the first storage unit and the replicated payment instruction has been successfully stored in the second storage unit.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails