Online payment transfer and identity management system and method
CA 2435909 C · Owner: Interac Corp. · Inventors: Fleishman, Jack; Fuerstenberg, Zack
Overview
Its claims, description and drawings are in the Canadian Patents Database.
Open the CIPO recordAbstract From the Canadian patent
A person-to-person (P2P) payment platform and identity management system which facilitates online banking by allowing consumers to send and receive money in real-time, with no special registration outside of the users' existing banking relationship, and under the security, brand and control of their own respective banks. A central clearing facility (CCF) coordinates and manages payments for users through partner financial institutions. Customers initiate payments within their online banking accounts or other bank delivery channels without setting up separate accounts profiles and passwords. The CCF is invisible, and allows the customer to access the bank's delivery channel; select a …
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 January 25, 2002 and granted August 25, 2020. A Canadian patent filed from October 1, 1989 lasts 20 years from filing, so its term ended January 25, 2022.
- A certificate of supplementary protection adds at most two years for a drug, so even that would have ended by January 25, 2024.
- 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.