Secure transmission-pairing database system

Patent metadata

Field	Value
Publication number	US-11954657-B2
Application number	US-202217692279-A
Country	US
Kind code	B2
Filing date	Mar 11, 2022
Priority date	May 13, 2015
Publication date	Apr 9, 2024
Grant date	Apr 9, 2024

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 database;
a processor communicatively coupleable to the database; and
a memory including instructions that are executable by the processor for causing the processor to:
transmit a first user interface to a user device of a user, the first user interface including input objects through which the user can input a source account and a destination account for an electronic monetary transfer, and the first user interface including a selectable object to initiate the electronic monetary transfer;
detect a selection of the selectable object in the first user interface;
in response to detecting the selection of the selectable object, initiate the electronic monetary transfer between the source account and the destination account;
in response to detecting a completion of the electronic monetary transfer between the source account and the destination account, transmit a second user interface to the user device, the second user interface including a graphical object that is selectable by the user for storing a transmission pairing associated with the source account and the destination account in the database;
detect a selection of the graphical object in the second user interface;
based on detecting the selection of the graphical object, store the transmission pairing in the database by linking a source identifier corresponding to the source account and a destination identifier corresponding to the destination account together in the database;
subsequent to storing the transmission pairing in the database, receive a user input from the user device for displaying a list of transmission pairings previously stored in the database in relation to the user, the list of transmission pairings including the transmission pairing; and

in response to receiving the user input, transmit a third user interface to the user device, the third user interface including the list of transmission pairings and corresponding selection objects, each transmission pairing in the list including a respective source account that is linked to a respective destination account in the database, wherein the corresponding selection objects are each selectable for initiating a respective transmission process using a corresponding one of the transmission pairings on the list;
detect a selection of a selection object from among the corresponding selection objects of the third user interface, the selection object corresponding to a particular transmission pairing in the list of transmission pairings;
in response to detecting the selection of the selection object, determine a source financial account and a destination financial account associated with the particular transmission pairing;
based on determining the source financial account and the destination financial account, transmit a fourth user interface to the user device, the fourth user interface specifying the source financial account and the destination financial account, and the fourth user interface including an input object through which the user can input a monetary amount for another electronic monetary transfer between source financial account and the destination financial account;
receive, via the fourth user interface, an input from the user for initiating a transfer of the monetary amount from the source financial account to the destination financial account; and
in response to receiving the input, initiate a transmission process for transferring the monetary amount from the source financial account to the destination financial account.

2. The system of claim 1 , wherein the second user interface includes summary information about the electronic monetary transfer.

3. The system of claim 1 , wherein the list of transmission pairings includes at least two transmission pairings.

4. The system of claim 1 , wherein the memory further includes instructions that are executable by the processor for causing the processor to:
in response to detecting the selection of the graphical object in the second user interface, provide an input object through which the user can input a note associated with the transmission pairing;
receive the note from the user via the input object; and
associate the note with the transmission pairing in the database.

5. The system of claim 4 , wherein the fourth user interface specifies the source account and the destination account.

6. The system of claim 1 , wherein the source account and the destination account are financial accounts that belong to the user.

7. A method comprising:
transmitting, by a processor, a first user interface to a user device of a user, the first user interface including input objects through which the user can input a source account and a destination account for an electronic monetary transfer, and the first user interface including a selectable object to initiate the electronic monetary transfer;
detecting, by the processor, a selection of the selectable object in the first user interface;
in response to detecting the selection of the selectable object, initiating, by the processor, the electronic monetary transfer between the source account and the destination account;
in response to detecting a completion of the electronic monetary transfer between the source account and the destination account, transmitting, by the processor, a second user interface to the user device, the second user interface including a graphical object that is selectable by the user for storing a transmission pairing associated with the source account and the destination account in a database;
detecting, by the processor, a selection of the graphical object in the second user interface;
based on detecting the selection of the graphical object, storing, by the processor, the transmission pairing in the database by linking a source identifier corresponding to the source account and a destination identifier corresponding to the destination account together in the database;
subsequent to storing the transmission pairing in the database, receiving, by the processor, a user input from the user device for displaying a list of transmission pairings previously stored in the database in relation to the user, the list of transmission pairings including the transmission pairing; and
in response to receiving the user input, transmitting, by the processor, a third user interface to the user device, the third user interface including the list of transmission pairings and corresponding selection objects, each transmission pairing in the list including a respective source account that is linked to a respective destination account in the database, wherein the corresponding selection objects are each selectable for initiating a respective transmission process using a corresponding one of the transmission pairings on the list;
detecting, by the processor, a selection of a selection object from among the corresponding selection objects of the third user interface, the selection object corresponding to a particular transmission pairing in the list of transmission pairings;
in response to detecting the selection of the selection object, determining, by the processor, a source financial account and a destination financial account associated with the particular transmission pairing;
based on determining the source financial account and the destination financial account, transmitting, by the processor, a fourth user interface to the user device, the fourth user interface specifying the source financial account and the destination financial account, and the fourth user interface including an input object through which the user can input a monetary amount for another electronic monetary transfer between source financial account and the destination financial account;
receiving, by the processor and v

Assignees

• Truist Bank

Inventors

• Mauney Dan
• Ratcliffe Jr Lee
• Whitley Matthew

Classifications

• G06Q20/10 Primary

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

• G06Q20/102

  Bill distribution or payments · CPC title

• G06Q20/108

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

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06F21/445

  by mutual authentication, e.g. between devices or programs · CPC title