Secure electronic payment messaging system with reconcilable...

G - Physics – 06 – Q

Patent

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G06Q 20/00 (2006.01)

Patent

CA 2500787

A transfer network system for providing communications (100) between commercial buyers and suppliers and their respective banks (130, 140) is provided. Client systems in communication with the transfer network system operate under a secure legal and technical regime in order to provide an architecture (110) that supports the exchange of messages to conduct commerce. This commerce may include instructions related to the transfer of funds directly from an account of the buyer to the supplier. Because of the secure legal and technical framework, this financial transaction can be conducted in real-time and finalized in real-time without the need for delay or the use of clearinghouse to settle the transaction.

L'invention concerne un système de réseau de transfert permettant de fournir des communications entre des acheteurs et des fournisseurs commerciaux, et leurs banques respectives. Des systèmes client en communication avec le système de réseau de transfert fonctionnent sous un régime technique et légal sécurisé, de sorte à fournir une architecture prenant en charge l'échange de messages destiné au commerce. Ce commerce peut comprendre des instructions associées au transfert de fonds direct du compte de l'acheteur au compte du fournisseur. Grâce à la structure technique et légale sécurisée de ce système, une transaction financière peut être menée en temps réel et finalisée en temps réel sans qu'il y ait besoin d'avoir recours à un délai ou à l'utilisation d'une chambre de compensation pour effectuer la transaction.

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