최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0896630 (2010-10-01) |
등록번호 | US-8589288 (2013-11-19) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 3 인용 특허 : 426 |
A system and method for enabling the remittance of funds is provided. More particularly, the fund remittance process of the present invention enables a sending entity having a source account at a financial institution to schedule a payment transaction for withdrawal by a designated receiving entity.
A system and method for enabling the remittance of funds is provided. More particularly, the fund remittance process of the present invention enables a sending entity having a source account at a financial institution to schedule a payment transaction for withdrawal by a designated receiving entity. A plurality of security codes are automatically generated upon processing a request to schedule a payment, wherein a first security code is communicated directly to the sending entity and a second security code is communicated directly to the designated receiving entity. The designated receiving entity may submit a request to retrieve the scheduled payment at a qualifying self-service machine. In interacting with the self service machine, security measures are deployed to execute one of a plurality of security code combination schemes in association with the first and second security codes. Upon validation, allocated funds associated with the scheduled payment are made available to the designated receiving entity for withdrawal.
1. A computer-implemented method for managing remittance of funds, said method comprising the steps of: receiving a first electronic request, at a host computer, from a sending entity for scheduling a payment, said first electronic request comprised of information for identifying a receiving entity,
1. A computer-implemented method for managing remittance of funds, said method comprising the steps of: receiving a first electronic request, at a host computer, from a sending entity for scheduling a payment, said first electronic request comprised of information for identifying a receiving entity, a monetary amount to be made available for withdrawal by said receiving entity and a designated source account for debiting said monetary amount;acquiring, at said host computer, a first security code in response to said first electronic request;acquiring, at said host computer, a second security code in response to said first electronic request;storing, at said host computer, a record correlating said first security code and said second security code with said scheduled payment;receiving a second electronic request, at said host computer, from said receiving entity for retrieving said monetary amount associated with said scheduled payment;transmitting, from said host computer, instructions for use of said first security code and said second security code in response to receiving said second electronic request, said instructions prompting said receiving entity to provide a transaction code comprising a portion of said first security code and a portion of said second security code; andpresenting an option to withdraw said monetary amount upon validating said transaction code received at said host computer. 2. The computer-implemented method of claim 1, wherein said host computer is associated with a banking entity and is configured for processing said first electronic request and said second electronic request. 3. The computer-implemented method of claim 1, wherein said host computer is associated with a banking entity and is tasked with automatically generating at least one of said first security code and said second security code. 4. The computer-implemented method of claim 1, wherein said second security code is automatically generated by a programmed computer associated with a vendor entity, said programmed computer associated with said vendor entity being tasked with automatically generating said second security code upon receiving an electronic indication from said host computer that said first electronic request has been received. 5. The computer-implemented method of claim 1, wherein said information for identifying said receiving entity is comprised at least of a name, home address and e-mail address corresponding to said receiving entity. 6. The computer-implemented method of claim 1, wherein said first security code is electronically communicated to said sending entity. 7. The computer-implemented method of claim 6, wherein said first security code is electronically communicated to said sending entity via an e-mail transmission, an SMS transmission or a computer-automated voice message transmission. 8. The computer-implemented method of claim 6, wherein said first security code electronically communicated to said sending entity is subsequently electronically communicated from a device associated with said sending entity to a device associated with said receiving entity. 9. The computer-implemented method of claim 1, wherein said second security code is electronically communicated to said receiving entity, and wherein said second security code is not electronically communicated to said sending entity. 10. The computer-implemented method of claim 9, wherein said second security code is electronically communicated to said receiving entity via an e-mail transmission, an SMS transmission or a computer-automated voice message transmission. 11. The computer-implemented method of claim 1, wherein said host computer is communicatively coupled to a self-service machine. 12. The computer-implemented method of claim 11, wherein said second electronic request is initiated from said self-service machine for processing at said host computer. 13. The computer-implemented method of claim 11, wherein said instructions are transmitted from said host computer for presentation on a display of said self-service machine. 14. The computer-implemented method of claim 1, wherein said monetary amount is debited from said source account after said option to withdraw said monetary amount is exercised. 15. The computer-implemented method of claim 1, wherein said portion of said first security code and said portion of said second security code are entered in combination to provide said transaction code. 16. A non-transitory computer-readable storage medium carrying one or more sequences of instructions for implementing a method for managing remittance of funds, wherein execution of the one or more sequences of instructions by one or more computers causes the one or more computers to perform the steps of: receiving a first electronic request from a sending entity for scheduling a payment, said first electronic request comprised of information for identifying a receiving entity, a monetary amount to be made available for withdrawal by said receiving entity and a designated source account for debiting said monetary amount;acquiring a first security code in response to said first electronic request;acquiring a second security code in response to said first electronic request;storing a record correlating said first security code and said second security code with said scheduled payment;receiving a second electronic request from said receiving entity for retrieving said monetary amount associated with said scheduled payment;transmitting instructions for use of said first security code and said second security code in response to receiving said second electronic request, said instructions prompting said receiving entity to provide a transaction code comprising a portion of said first security code and a portion of said second security code; andpresenting an option to withdraw said monetary amount upon validating said transaction code received at said host computer.
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