Patent application number | Description | Published |
20090150287 | System and method for providing supplemental transaction processing services to users of a primary financial services system - A supplemental financial transaction processing system operates in conjunction with one or more primary financial services systems for purposes of providing supplemental financial transaction processing services to users of the primary financial services system. The supplemental financial transaction processing system comprises a secure web services system and a supplemental transaction server. The secure web services system comprises at least one financial transaction method available to the primary financial services system. Upon receipt of a method call for a financial transaction, the supplemental financial transaction processing system: i) associates a unique redirect URL to the method call; and ii) returns the unique redirect URL to the primary financial services system. The primary financial services system may then pass the unique redirect URL through a secure connection with its client. The supplemental transaction server, upon a client requesting an HTTPS connection to the unique redirect URL, verifies the validity of the unique redirect URL. If valid, a web document object is provided for rendering by the client. The web document object comprises: i) the financial institution defined transaction values (at least one); ii) user interface control script for rendering of controls for obtaining user entry of at least one client defined transaction value; and iii) transaction control script. The transaction control script comprises instructions for i) creating a financial transaction; ii) validating the financial transaction; and iii) posting the validated transaction back to the supplemental financial transaction server. | 06-11-2009 |
20090293107 | Transfer server of a secure system for unattended remote file and message transfer - A method for automatically transferring a data file from a network drive of a client controlled local area network to a transfer server over the Internet comprises using a first workstation to configure event parameters within event tables of the transfer server. An unattended interface module executed by a processor of a second workstation obtains, from the transfer server, the event parameters stored in the event tables. The event parameters comprise a file name and a directory path. The file name identifies the data file to be uploaded. The directory path identifies an upload directory of the network drive. The second workstation periodically searches the upload directory and, upon locating a data file in the upload directory with the file name, transfers the data file to the transfer server over a secure connection established with the transfer server over the internet. | 11-26-2009 |
20100223185 | SYSTEM AND METHOD FOR PROVIDING SUPPLEMENTAL TRANSACTION PROCESSING SERVICES TO USERS OF A PRIMARY FINANCIAL SERVICES SYSTEM. - A supplemental financial transaction processing system operates with a primary financial services system to providing financial transaction processing services to a client system which has established a secure session with the primary financial services system. A transaction request includes a financial institution identifier identifying the primary financial services system and at least one primary system defined transaction value. A secure web services system, in response to receiving the transaction request: i) assigns a unique redirect URL to the transaction request, ii) stores, in a redirect database, in association with the unique redirect URL, the primary system defined transaction value; and iii) returns the unique redirect URL to the primary financial services system. A web document object comprises: i) the at least one primary system defined transaction value; ii) at least validation value; iii) user interface control script, the user interface control script comprising instructions which render, on the client system, controls for obtaining user entry of at least one client defined transaction value; and iv) validation control script, the validation control script determining that the transaction is valid; and v) transaction control script, the transaction control script comprising instructions which create and post a financial transaction back to the supplemental transaction server only if the transaction is valid. The supplemental transaction server: i) providing the web document object to the client system in response to receiving a secure connection by the client system at the unique redirect URL; ii) receiving a post of the financial transaction from the client system; and iii) performing at least one of: i) writing the financial transaction to a transaction database; or ii) forwarding the financial transaction to a processing system distinct from the supplemental transaction processing system. | 09-02-2010 |
20120197795 | Integrated Payment System - A payment system executes payments from payers to vendors. An unattended interface system automates the uploading of payments file from each payer to the system. A web services transfer server performs the unattended transfer. Steps of a payment server generating an electronic funds transfer file with a group of fund transfer records for each payment represented by a record of the payment file. After the electronic funds transfer file is complete, the steps further comprise transferring the electronic fund transfer file to an electronic payment network for execution. Remittance records are transferred to the vendor utilizing an unattended transfer executed by the web services transfer server. | 08-02-2012 |
20140279414 | SYSTEM AND METHOD FOR COLLECTING CLEARING INFORMATION FOR IMPLEMENTING A GLOBAL ELECTRONIC FUNDS TRANSFER - A system and method is presented for receiving required information (i.e., clearing information) for performing a global electronic funds transfer. The system and method generates a form for receiving the clearing information from a user. The form includes clearing information fields that are each configured to accept an element of clearing information. The clearing information fields of the form are dynamically updated based on clearing information rules. The clearing information rules define a relationship between at least one of the clearing information fields and the clearing information received from the user. The dynamically updated form is provided to the user to input further clearing information. | 09-18-2014 |
20140279484 | SYSTEM AND METHOD FOR VALIDATING RECEIVED CLEARING INFORMATION FOR IMPLEMENTING A GLOBAL ELECTRONIC FUNDS TRANSFER - A system and method is presented for validating received required information (i.e., clearing information) for performing a global electronic funds transfer. The system and method generates a form for receiving the clearing information from a user. The form includes clearing information fields that are each configured to receive an element of clearing information. The form is updated based on validation rules. The validation rules (1) define a relationship between at least one of the clearing information fields and the clearing information received from the user and (2) specify acceptable values for the clearing information received by a given clearing information field. The received clearing information is analyzed in relation to the clearing information fields by applying the validation rules to adjudicate the clearing information received in the given clearing information field as acceptable or invalid. | 09-18-2014 |
20140282927 | SYSTEM AND METHOD FOR LOCATION BASED VALIDATION VIA MOBILE DEVICE - A system and method is presented for authenticating a user based on the location of a mobile device relative to the location of an accessing device. A user attempting to access a server with the accessing device (e.g., a desktop computer) provides credentials. After validating the credentials, the system determines a mobile device (e.g., a mobile phone) associated with the user. In order to confirm the credentials, the system determines a location of the accessing device relative to a location of the associated mobile device. If the mobile device is within a predefined proximity of the accessing device, the received credentials are confirmed and the user may be allowed access to the server. If the mobile device is not within the predefined proximity of the accessing device, the received credentials are identified as invalid and the user may be denied access to the server. | 09-18-2014 |
20140297527 | SYSTEM AND METHOD FOR LOCATION BASED VALIDATION VIA MOBILE DEVICE - A system and method is presented for approving or disapproving a transaction requested by an initiating device based on a physical location of a mobile device associated with a user relative to a physical location of the initiating device. A user attempting to perform a sensitive action at an initiating device provides user data to the initiating device. After validating the user data, the system determines a mobile device associated with the user. In order to confirm the user data, the system determines a location of the initiating device relative to a location of the associated mobile device. If the mobile device is within a predefined proximity of the initiating device, the received user data is confirmed as valid and the transaction is approved. | 10-02-2014 |
20140344129 | CENTRALIZED ENTITLEMENTS - A method and central entitlement server are presented for centrally storing and providing entitlements to subscribing application servers. The subscribing application servers provide services to bank accounts held by corporate customers. Services are requested by corporate customer users and in service requests. Prior to performing a requested service, the subscribing application servers verify that the requesting corporate customer user has permission to request the service on the account identified in the service request. The subscribing application servers verify requested services using entitlements received from the central entitlement server. Services that can be requested are stored in a hierarchical data structure. The hierarchical data structure includes at least one product as a root. Each product is linked to at least one product function, each product function is linked to at least one function type, each function type is linked to an action, and each action corresponds to a service. | 11-20-2014 |