US 11,948,148 B2
System and method for facilitating transferring funds
Clinton Gilliam, III, San Francisco, CA (US); Melissa Lowry, San Francisco, CA (US); Michael Joseph Kennedy, San Francisco, CA (US); and Sergei Lilichenko, Orinda, CA (US)
Assigned to EARLY WARNING SERVICES, LLC, Scottsdale, AZ (US)
Filed by Early Warning Services, LLC, Scottsdale, AZ (US)
Filed on Mar. 13, 2023, as Appl. No. 18/120,908.
Application 18/120,908 is a continuation of application No. 17/738,821, filed on May 6, 2022, granted, now 11,605,077.
Application 17/738,821 is a continuation of application No. 17/549,783, filed on Dec. 13, 2021, granted, now 11,593,800, issued on Feb. 28, 2023.
Application 17/549,783 is a continuation of application No. 16/551,627, filed on Aug. 26, 2019, granted, now 11,373,182, issued on Jun. 28, 2022.
Application 17/549,783 is a continuation of application No. 16/551,627, filed on Aug. 26, 2019, granted, now 11,373,182, issued on Jun. 28, 2022.
Application 16/551,627 is a continuation of application No. 15/209,685, filed on Jul. 13, 2016, granted, now 10,395,247, issued on Aug. 27, 2019.
Application 15/209,685 is a continuation in part of application No. 14/587,745, filed on Dec. 31, 2014, granted, now 10,318,936, issued on Jun. 11, 2019.
Application 14/587,745 is a continuation in part of application No. 13/782,587, filed on Mar. 1, 2013, granted, now 10,395,223, issued on Aug. 27, 2019.
Claims priority of provisional application 61/657,339, filed on Jun. 8, 2012.
Claims priority of provisional application 61/607,882, filed on Mar. 7, 2012.
Prior Publication US 2023/0222500 A1, Jul. 13, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/02 (2012.01); G06Q 20/10 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/40 (2013.01) [G06Q 20/023 (2013.01); G06Q 20/10 (2013.01); G06Q 20/3821 (2013.01); G06Q 20/385 (2013.01); G06Q 20/405 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
one or more processors; and
one or more non-transitory computer-readable media storing computing instructions that, when executed on the one or more processors, cause the one or more processors to perform:
receiving a request based on a sender initiating a funds transfer, wherein the funds transfer is for the sender to make a payment to a non-financial institution, and wherein the sender has a sender account at a sender financial institution;
obtaining sender identifying information from the sender; and
sending at least a recipient public identifier and a payment amount for the payment to the sender financial institution to cause the sender financial institution to send a funds transfer request to a computer-implemented funds transfer network to initiate the payment from the sender account at the sender financial institution to a recipient account at a recipient financial institution,
wherein:
the funds transfer request does not include an account number of the recipient account;
the computer-implemented funds transfer network is operated by an entity that is different from the recipient financial institution and the sender financial institution;
the computer-implemented funds transfer network comprises a directory that maps the recipient public identifier to a recipient private identifier;
the recipient private identifier is embedded with information that identifies the recipient financial institution;
the computer-implemented funds transfer network is configured to send the recipient private identifier to the recipient financial institution to facilitate the payment from the sender account to the recipient account; and
the recipient private identifier is not shared with the sender.