Method, apparatus and system for electronic payments
US11107074B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jun 29, 2017 |
| Grant date | Aug 31, 2021 |
| Priority date | — |
| Expiry date | May 11, 2038 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L45/54
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
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.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.