Electronic funds transfer method and system and bill presentment method and system
CA 2329348 A1 · Owner: The Clearing House Service Company L.L.C. · Inventors: Wood, Albert G.; Cotton, Robert M.; Thomas, George F.
Overview
Its claims, description and drawings are in the Canadian Patents Database.
Open the CIPO recordAbstract From the Canadian patent
A funds transfer system described facilitates elelctronic funds transfer between two parties. The home banking system computer (40) is operable upon , receipt of the payment order from the payor station (30) to generate a , universal identifier number uniquely identifying the payee and to transmit electronically the universal identifier number to the trusted third party via a communication with the trusted third party system. The trusted third party system computer (50) also being operable in response to receipt of the , universal identifier number from the home banking system to identify the , payee as a party to receive payment to generate a routing/transit number of the bank of the …
Read the whole patent
Listed from its CIPO record in Patent Yard's archive of Canadian patents past their term. Its claims, description and drawings are in the CIPO record and on Google Patents, and the Claude kit works from them.
Why it's free to use
- Filed April 27, 1999. No grant is recorded for it in Canada; had it been granted, its 20-year term would have ended April 27, 2019.
- A certificate of supplementary protection adds at most two years for a drug, so even that would have ended by April 27, 2021.
- We check Canadian rights only. A patent in its family in another country could still be in force: check its family on Google Patents.
Timeline
Timeline From CIPO dates
Sources & verification
Official CIPO records
Everything on this page comes from the CIPO record linked above. Contains information licensed under the Open Government Licence – Canada.