Electronic wallet fund transfer system
US11120429B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jun 11, 2019 |
| Grant date | Sep 14, 2021 |
| Priority date | — |
| Expiry date | Jun 29, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/3674
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Systems and methods for transferring funds to an user account include a payment service provider device receiving a request for fund transfer information for an user account from a payer device that is associated with a payer. The payment service provider device then provides a routing number that is associated with the payment service provider and a virtual account number that is associated with the user account to the payer device. The payment service provider device then receives information from a financial institution about a funds transfer to a payment service provider account that is provided to a payment service provider by the financial institution. The information about the funds transfer includes a funding amount and the virtual account number, and the payment service provider device allocates the funding amount to the user account using the virtual account number.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.