WO2007011505A3 - Identity verification switch - Google Patents

Identity verification switch Download PDF

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Publication number
WO2007011505A3
WO2007011505A3 PCT/US2006/025110 US2006025110W WO2007011505A3 WO 2007011505 A3 WO2007011505 A3 WO 2007011505A3 US 2006025110 W US2006025110 W US 2006025110W WO 2007011505 A3 WO2007011505 A3 WO 2007011505A3
Authority
WO
WIPO (PCT)
Prior art keywords
request
identity
transaction
verification
financial institution
Prior art date
Application number
PCT/US2006/025110
Other languages
French (fr)
Other versions
WO2007011505A2 (en
Inventor
Richard Mayo
Glen Sgambati
Robert Perrotta
Original Assignee
Early Warning Services Llc
Richard Mayo
Glen Sgambati
Robert Perrotta
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Early Warning Services Llc, Richard Mayo, Glen Sgambati, Robert Perrotta filed Critical Early Warning Services Llc
Priority to CA2614991A priority Critical patent/CA2614991C/en
Priority to MX2008000629A priority patent/MX2008000629A/en
Publication of WO2007011505A2 publication Critical patent/WO2007011505A2/en
Publication of WO2007011505A3 publication Critical patent/WO2007011505A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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

Abstract

Methods, systems, and machine-readable media are disclosed for an identity verification switch. According to one embodiment, the method comprises receiving from an inquirer a request to verify an identity of an individual initiating a transaction. The request includes account information for an account subject to the transaction and identity information for the individual initiating the transaction. Based on the request, a verifying financial institution is selected from one or more participating financial institutions. The request is forwarded to the verifying financial institution for verification of the identity information. An answer is received from the verifying financial institution indicating results of verification of the identity information. The answer is returned to the inquirer.
PCT/US2006/025110 2005-07-14 2006-06-27 Identity verification switch WO2007011505A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2614991A CA2614991C (en) 2005-07-14 2006-06-27 Identity verification switch
MX2008000629A MX2008000629A (en) 2005-07-14 2006-06-27 Identity verification switch.

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/183,167 2005-07-14
US11/183,167 US8109435B2 (en) 2005-07-14 2005-07-14 Identity verification switch

Publications (2)

Publication Number Publication Date
WO2007011505A2 WO2007011505A2 (en) 2007-01-25
WO2007011505A3 true WO2007011505A3 (en) 2009-04-16

Family

ID=37660785

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/025110 WO2007011505A2 (en) 2005-07-14 2006-06-27 Identity verification switch

Country Status (4)

Country Link
US (2) US8109435B2 (en)
CA (1) CA2614991C (en)
MX (1) MX2008000629A (en)
WO (1) WO2007011505A2 (en)

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US8370230B2 (en) * 2007-11-21 2013-02-05 Early Warning Services, Llc System and method for expedited release of held items
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US11025599B2 (en) 2011-04-19 2021-06-01 Early Warning Services, Llc System and method for encrypting a data alert
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
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US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
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CN110223159A (en) * 2019-05-22 2019-09-10 深圳壹账通智能科技有限公司 Credit data query method, apparatus, computer equipment and storage medium
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US20210142328A1 (en) * 2019-11-13 2021-05-13 Early Warning Services, Llc System and method for preventing fraud in real-time payment transactions

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Also Published As

Publication number Publication date
US8109435B2 (en) 2012-02-07
CA2614991C (en) 2016-09-20
CA2614991A1 (en) 2007-01-25
WO2007011505A2 (en) 2007-01-25
US20070012757A1 (en) 2007-01-18
US20120101945A1 (en) 2012-04-26
MX2008000629A (en) 2008-04-17

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