Systems and methods of bank transfer
First Claim
1. A method comprising:
- exchanging, by a server, with a website of a bank, public keys;
presenting, by the server, an invoice including an amount and a payment button to a client device of a user, the payment button being associated with an option to pay the amount to an entity through the bank;
detecting, by the server, via the presented payment button, a request to pay the amount through a user account of the bank;
responsive to the detected request to pay;
encrypting, by the server and using the public key of the bank, information for processing the invoice;
sending, by the server, the encrypted information to the client device; and
redirecting, by the server, the client device to the website of the bank; and
receiving, by the server, from the website of the bank, an indication that the amount was transferred from the user account to the account of the entity.
2 Assignments
0 Petitions
Accused Products
Abstract
A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business'"'"'s account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.
50 Citations
14 Claims
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1. A method comprising:
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exchanging, by a server, with a website of a bank, public keys; presenting, by the server, an invoice including an amount and a payment button to a client device of a user, the payment button being associated with an option to pay the amount to an entity through the bank; detecting, by the server, via the presented payment button, a request to pay the amount through a user account of the bank; responsive to the detected request to pay; encrypting, by the server and using the public key of the bank, information for processing the invoice;
sending, by the server, the encrypted information to the client device; andredirecting, by the server, the client device to the website of the bank; and receiving, by the server, from the website of the bank, an indication that the amount was transferred from the user account to the account of the entity. - View Dependent Claims (2, 3, 4, 5)
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6. A system comprising:
- a one or more processors; and
a memory storing instructions that, when executed by the one or more processors, cause the one or more processors to perform steps comprising;exchanging public keys with a website of a bank; presenting an invoice including an amount and a payment button to a client device of a user, the payment button being associated with an option to pay the amount to an entity through the bank; detecting via the presented payment button, a request to pay the amount through a user account of the bank; responsive to the detected request to pay; encrypting, using the public key of the bank, information for processing the invoice; and redirecting the client device to the website of the bank; and receiving from the website of the bank, an indication that the amount was transferred from the user account to the account of the entity. - View Dependent Claims (7, 8, 9, 10, 11, 12)
- a one or more processors; and
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13. A non-transitory machine-readable storage medium storing instructions which, when executed by one or more processors, cause the one or more processors to perform operations comprising:
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exchanging public keys with a website of a bank; presenting an invoice including an amount and a payment button to a client device of a user, the payment button being associated with an option to pay the amount to an entity through the bank; detecting, via the presented payment button, a request to pay the amount through a user account of the bank; responsive to the detected request to pay; encrypting, using the public key of the bank, information for processing the invoice;
sending the encrypted information to the client device; andredirecting the client device to the website of the bank; and receiving from the website of the bank, an indication that the amount was transferred from the user account to the account of the entity. - View Dependent Claims (14)
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Specification