A method performed by a transaction manager comprising: receiving, from a first network entity, a first request to perform a transaction with a second network entity; selecting a request queue from a plurality of transaction request queues; adding the first request to the back of the selected request queue; when the first request reaches the front of the selected request queue, processing the first request by a request handler and sending a second request to the second network entity; receiving a first response from the second network entity, in response to the second request; selecting a response queue from a plurality of transaction response queues; adding the first response to the back of the selected response queue; and when the first response reaches the front of the selected response queue, processing the first response by a response handler and sending a second response to the first network entity.
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.
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
3.
SYSTEMS AND METHODS FOR USE IN BALANCING NETWORK RESOURCES
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.
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
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
4.
INFORMATION PROCESSING APPARATUS, METHOD AND SYSTEM
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.
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
5.
AN ELECTRONIC DEVICE, METHOD AND COMPUTER PROGRAM PRODUCT FOR INSTRUCTING PERFORMANCE OF A TRANSACTION WHICH HAS BEEN REQUESTED AT AN AUTOMATED TELLER MACHINE
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.
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
6.
AN APPARATUS, METHOD AND COMPUTER PROGRAM FOR ASSOCIATING A FIRST PARTY AND A SECOND PARTY
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.
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 20/40 - 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
7.
A METHOD, APPARATUS AND COMPUTER PROGRAM FOR VERIFYING THE INTEGRITY OF ELECTRONIC MESSAGES
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.
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.
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
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.
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.
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.
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
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.
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
13.
A METHOD, APPARATUS, COMPUTER PROGRAM PRODUCT, COMPUTER READABLE STORAGE MEDIUM, INFORMATION PROCESSING APPARATUS AND SERVER FOR SETTING COOKIES
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.
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.
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
15.
A METHOD, APPARATUS AND SYSTEM FOR ELECTRONIC PAYMENTS
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.
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
16.
COMMUNICATIONS DEVICE, POINT OF SALE DEVICE, PAYMENT DEVICE AND METHODS
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.
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
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.
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.
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
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.
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.
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
21.
AN INTERFACE, SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR CONTROLLING THE TRANSFER OF ELECTRONIC MESSAGES
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.
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
22.
AN INTERFACE, METHOD AND COMPUTER PROGRAM PRODUCT FOR CONTROLLING THE TRANSFER OF ELECTRONIC MESSAGES
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.
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
23.
A DEVICE, SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR PROCESSING ELECTRONIC TRANSACTION REQUESTS
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.
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
24.
A SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR RECEIVING ELECTRONIC MESSAGES
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.
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
25.
A METHOD AND DEVICE FOR PROCESSING ELECTRONIC PAYMENT INSTRUCTIONS
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.
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
brevets
