Payment clearing network for electronic financial transactions and related personal financial transaction device

• US 20080313047A1
• Filed: 01/04/2008
• Published: 12/18/2008
• Est. Priority Date: 06/18/2007
• Status: Active Grant

• Current Assignee: LexisNexis Risk Solutions, Inc. (RELX PLC)
• Original Assignee: Lemon, Inc. (Gen Digital Inc.)
• Inventors: Murrone, Federico H., Casares, Wenceslao
• Granted Patent: US 9,342,823 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Claims