发明名称 |
SYSTEMS AND METHODS OF DIRECT BANK TRANSFER |
摘要 |
A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof. |
申请公布号 |
EP3028226(A2) |
申请公布日期 |
2016.06.08 |
申请号 |
EP20140832987 |
申请日期 |
2014.07.31 |
申请人 |
XERO LIMITED |
发明人 |
DRURY, RODNEY KENNETH;VICKERS, MATTHEW JOHN |
分类号 |
G06Q20/20;G06Q20/02;G06Q20/10;G06Q20/32;G06Q20/38;G06Q20/40;G06Q20/42 |
主分类号 |
G06Q20/20 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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