Secure transmission-pairing database system

Patent metadata

Field	Value
Publication number	US-11308463-B2
Application number	US-201615154230-A
Country	US
Kind code	B2
Filing date	May 13, 2016
Priority date	May 13, 2015
Publication date	Apr 19, 2022
Grant date	Apr 19, 2022

Abstract

A transmission pairing system may include a transmission pairing stored in a secure database. The system may generate a transmission pairing by receiving a selection of a destination for the secure information from the secure database and determining a transmission type corresponding to the selected destination. The system may populate a list of available sources of the secure information based on the transmission type. A selected source may be received and paired with the selected destination to generate the transmission pairing. The transmission pairing may be used to initiate an electronic transmission based on a parameter that is modifiable to determine the secure information transmitted from the source to the destination.

First claim

What is claimed is:

1. A system, comprising:
a secure database including (1) a plurality of source identifiers corresponding to source financial accounts and (2) a plurality of destination identifiers corresponding to destination financial accounts, the plurality of source identifiers being linked with a user identifier in the secure database, the user identifier corresponding to a user of a user device;
a processor communicatively coupled to the secure database; and
a memory communicatively coupled to the processor and including instructions that are executable by the processor for causing the processor to:
generate a first user interface displayable on the user device communicatively coupled to the processor via a network, the first user interface including a list of available destination financial accounts corresponding to a set of destination identifiers of the plurality of destination identifiers;
receive, from the user device via the network, a first selection corresponding to a destination financial account from the list of available destination financial accounts;
in response to receiving the first selection:
determine a type or ownership characteristic of the selected destination financial account;
determine a transmission type from among a plurality of transmission types based on the type or ownership characteristic of the selected destination financial account;
determine a list of available source financial accounts based on the determined transmission type; and
generate a second user interface displayable on the user device, the second user interface including the list of available source financial accounts, the list of available source financial accounts corresponding to a set of source identifiers of the plurality of source identifiers;

receive, from the user device via the network, a second selection corresponding to a source financial account from the list of available source financial accounts;
based on receiving the second selection:
generate a transmission pairing including the source financial account and the destination financial account by linking in the secure database (i) a source identifier corresponding to the source financial account and (ii) a destination identifier corresponding to the destination financial account; and
link the transmission pairing with the user identifier in the secure database; and

subsequent to generating the transmission pairing:
obtain a plurality of stored transmission pairings corresponding to the user identifier from the secure database, the plurality of stored transmission pairings including the transmission pairing;
generate a third user interface displayable on the user device, the third user interface listing the plurality of stored transmission pairings and corresponding selection options that are selectable by the user, wherein the third user interface includes a selection option that corresponds to the transmission pairing and that is selectable by the user for transmitting a monetary amount using the transmission pairing;
detect a selection of the selection option;
based on detecting the selection of the selection option, transmit a request for the monetary amount to the user device;
receive the monetary amount from the user device; and
based on receiving the monetary amount, execute a transmission process in which the monetary amount is electronically transmitted from the source financial account to the destination financial account in accordance with the determined transmission type.

2. The system of claim 1 , wherein the memory includes additional instructions that are executable by the processor for causing the processor to generate, in response to the selection of the selection option by the user device, a fourth user interface displayable on the user device, the fourth user interface including an input option selectable by the user to input, via the user device, the monetary amount.

3. The system of claim 1 , wherein each of the corresponding selection options are selectable by the user to initiate a different transmission process.

4. The system of claim 1 , wherein the memory includes additional instructions that are executable by the processor for causing the processor to validate at least one of the source financial account or the destination financial account prior to initiating the transmission process.

5. The system of claim 4 , wherein the additional instructions are executable by the processor for causing the processor to validate the source financial account or the destination financial account by verifying that the source identifier corresponding to the source financial account or the destination identifier corresponding to the destination financial account is stored in the secure database.

6. The system of claim 4 , wherein the additional instructions are executable by the processor for causing the processor to validate the source financial account by verifying that the source financial account has at least the monetary amount prior to initiating the transmission process.

7. The system of claim 1 , wherein the secure database further includes:
the plurality of stored transmission pairings, each pairing of the plurality of stored transmission pairings including one source identifier of the plurality of source identifiers and one destination identifier of the plurality of destination identifiers; and
a plurality of instructive notes, each note of the plurality of instructive notes being linked with a corresponding transmission pairing of the plurality of stored transmission pairings,
wherein the memory includes additional instructions that are executable by the processor for causing the processor to generate, in response to the selection of the selection option by the user device, a fourth user interface displayable on the user device, the fourth user interface including an input option selectable by the user to input, via the user device, a note storable with the plurality of instructive notes in the secure database.

8. The system of claim 1 , wherein the memory includes additional instructions executable by the processor for causing the processor to:
generate, in response to initiating a new transmission from a new source financial account to a new destination financial account, a fourth user interface displayable on the user device, the fourth user interface including a second selection option selectable by the user to generate, via the user device, a new transmission pairing including a new source identifier corresponding to the new source financial account linked with a new destination identifier corresponding to the new destination financial account, and to link the new transmission pairing with the user identifier in the secure database.

9. The system of claim 1 , wherein each source financial account in the list of available source financial accounts is a different financial account held by the user.

10. A computer-implemented method, comprising:
receiving, from a user device, a first request to generate a transmission pairing;
in response to receiving the first request to generate the transmission pairing, transmitting a list of available destination financial accounts to the user device;
receiving, from the user device, a first selection corresponding to a destination financial account from the list of available destination financial accounts;
in response to receiving the first selection:
determine a type or ownership characteristic of the selected destination financial account;
determining a transmission type from among a plurality of transmission types based on the type or ownership characteristic of the destination financial account;
determining a list of available source financial accounts ba

Assignees

• Branch Banking &Trust Co
• Truist Bank

Inventors

• Mauney Dan
• Ratcliffe Jr Lee
• Whitley Matthew

Classifications

• G06Q20/102

  Bill distribution or payments · CPC title

• G06Q20/10 Primary

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/108

  Remote banking, e.g. home banking · CPC title

• H04W12/50

  Secure pairing of devices · CPC title

• G06F16/00

  Information retrieval; Database structures therefor; File system structures therefor · CPC title