IP Library › Granted Patent US 12,314,942
Granted Patent B2
US 12,314,942 · App. 17/646,862 · Granted May 27, 2025

Systems and methods for fund transfers

Inventors: Gary Taylor Driggs (Oak Park, CA); David Gullett (Moorpark, CA); Helena Mao (Pasadena, CA); Calvin Park (Pasadena, CA); Vijay Ramamurthy (Pasadena, CA); Jeffrey Wang (Pasadena, CA)
Assignee: Green Dot Corporation
G06Q20/385G06Q20/10G06Q20/204G06Q20/223
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Quick Facts
Patent No.
US 12,314,942
App. No.
17/646,862
Granted
May 27, 2025
Kind
B2
Abstract

Turning now to the drawings, systems and methods for transferring funds in accordance with embodiments of the invention are illustrated. In one embodiment, a method for conducting peer-to-peer transfers includes obtaining a cash-out request data using a fund transfer server system, wherein the cash-out request data includes target account data and fund data, the target account data includes metadata identifying a consumer account and specifies an account to which funds will be provided, and the fund data describes the funds to be provided in response to redeeming the cash-out request, generating a cash-out code based on cash-out request data using the fund transfer server system, providing the cash-out code using the fund transfer server system, obtaining cash-out code redemption data using the fund transfer server system, wherein the cash-out code redemption data identifies the provided cash-out code, and transmitting a request to provide the funds described by the fund data.

Claims (74)

1. A method for conducting secure peer-to-peer transfers, comprising:

obtaining, from a client device, cash-in request data, wherein:

the cash-in request data comprises consumer account data and fund data,

the consumer account data identifies a consumer account associated with the client device, and

the fund data describes funds to be provided in response to redeeming a cash-in request;

verifying the cash-in request data, wherein:

verifying the cash-in request data comprises obtaining verification data, and

the verification data comprises a set of verification factors directed to fraud detection, wherein the set of verification factors comprises a threshold value representing an amount of funds approved for transfers without additional verification;

generating a cash-in code based on the cash-in request data, wherein the cash-in code is associated with metadata describing the consumer account and the fund data;

providing the cash-in code to the client device;

obtaining cash-in code redemption data, wherein the cash-in code redemption data identifies the provided cash-in code; and

transmitting a request to deposit the funds described by the fund data into an internal funding account using the cash-in code redemption data.

2. The method of claim 1 , further comprising:

obtaining cash-out request data, wherein:

the cash-out request data comprises metadata identifying a target consumer account, and

a verification factor of the set of verification factors affirms that the consumer account is identical to the target consumer account; and

transmitting the funds to the target consumer account.

3. The method of claim 1 , wherein verifying the cash-in request data further comprises:

generating a set of verifying scores based on the set of verification factors; and

verifying the cash-in request data based on the set of verifying scores.

4. The method of claim 3 , further comprising performing fraud detection by:

obtaining additional verification data comprising a set of fraud detection factors;

generating a fraud score based on the set of fraud detection factors; and

determining if the cash-in code is fraudulent by comparing the fraud score to a threshold score.

5. The method of claim 1 , further comprising identifying the consumer account by:

querying a generated code database based on the cash-in code;

retrieving the metadata associated with the cash-in code from a generated code database; and

comparing the retrieved metadata with the cash-in code redemption data.

6. The method of claim 1 , further comprising transmitting notification data to the client device, wherein the notification data can be utilized to display details regarding the cash-in request data using the client device.

7. The method of claim 1 , wherein the cash-in code is a Quick Response (QR) code.

8. The method of claim 1 , further comprising displaying the cash-in code using the client device.

9. The method of claim 8 , wherein:

the displayed cash-in code is provided to a point of sale terminal using the client device; and

the cash-in code causes the point of sale terminal to obtain the funds identified in the cash-in code in response to providing of the cash-in code.

10. The method of claim 9 , further comprising: when the cash-in code is provided to the point of sale terminal within a time period in which the cash-in code is valid, obtaining the funds using the point of sale terminal, wherein the cash-in code further comprises metadata identifying when the cash-in code is displayed and the time period in which the cash-in code is valid.

11. A fund transfer server system for implementing secure peer-to-peer transactions, comprising:

a processor; and

a memory connected to the processor and storing a fund transfer application, wherein the fund transfer application directs the processor to:

obtain, from a client device, cash-in request data, wherein:

the cash-in request data comprises consumer account data and fund data,

the consumer account data identifies a consumer account associated with the client device, and

the fund data describes funds to be provided in response to redeeming a cash-in request;

verify the cash-in request data, wherein:

verifying the cash-in request data comprises obtaining verification data, and

the verification data comprises a set of verification factors directed to fraud detection, wherein the set of verification factors comprises a threshold value representing an amount of funds approved for transfers without additional verification;

generate a cash-in code based on the cash-in request data, wherein the cash-in code is associated with metadata describing the consumer account and the fund data;

provide the cash-in code to the client device;

obtain cash-in code redemption data using the fund transfer server system, wherein the cash-in code redemption data identifies the provided cash-in code; and

transmit a request to deposit the funds described by the fund data into an internal funding account using the cash-in code redemption data.

12. The fund transfer server system of claim 11 , wherein the fund transfer application further directs the processor to:

obtain cash-out request data, wherein:

the cash-out request data comprises metadata identifying a target consumer account, and

a verification factor of the set of verification factors affirms that the consumer account is identical to the target consumer account; and

transmit the funds to the target consumer account.

13. The fund transfer server system of claim 11 , wherein the fund transfer application further directs the processor to verify the cash-in request data by:

generating a set of scores based on the set of verification factors; and

verifying the cash-in request data based on the set of scores.

14. The fund transfer server system of claim 13 , wherein the fund transfer application further directs the processor to perform fraud detection by:

obtaining additional verification data comprising a set of fraud detection factors;

generating a fraud score based on the set of fraud detection factors; and

determining if the cash-in code is fraudulent by comparing the fraud score to a threshold score.

15. The fund transfer server system of claim 11 , wherein the fund transfer application further directs the processor to identify the consumer account by:

querying a generated code database based on the cash-in code;

retrieving metadata associated with the cash-in code from a generated code database; and

comparing the retrieved metadata with the cash-in code redemption data.

16. The fund transfer server system of claim 11 , wherein the fund transfer application further directs the processor to transmit notification data to the client device and the notification data can be utilized to display details regarding the cash-in request data using the client device.

17. The fund transfer server system of claim 11 , wherein the cash-in code is a Quick Response (QR) code.

18. The fund transfer server system of claim 11 , wherein the fund transfer application further directs the processor to display the cash-in code using the client device.

19. The fund transfer server system of claim 18 , wherein:

the displayed cash-in code is provided to a point of sale terminal using the client device; and

the cash-in code causes the point of sale terminal to obtain the funds identified in the cash-in code in response to providing the cash-in code.

20. The fund transfer server system of claim 19 , wherein:

the cash-in code further comprises metadata identifying when the cash-in code is displayed and a time period in which the cash-in code is valid; and

the fund transfer application further directs the processor to obtain the funds using the point of sale terminal when the cash-in code is provided to the point of sale terminal within the time period.

Assignments (4)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 26, 2022
From: PARK, CALVIN
To: NEXT ESTATE COMMUNICATIONS, INC.
Reel/Frame 059707/0157 →
CHANGE OF NAME Recorded Apr 26, 2022
From: NEXT ESTATE COMMUNICATIONS, INC.
To: GREEN DOT CORPORATION
Reel/Frame 059707/0345 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 26, 2022
From: RAMAMURTHY, VIJAY
To: GREEN DOT CORPORATION
Reel/Frame 059707/0359 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 26, 2022
From: DRIGGS, GARY TAYLOR; GULLETT, DAVID; MAO, HELENA; WANG, JEFFREY
To: GREEN DOT CORPORATION
Reel/Frame 059828/0767 →
Continuity (3)
Continuation 16588797 · Sep 30, 2019
Continuation 14820333 · Aug 6, 2015
Related Publication 20220207522A1 · Jun 30, 2022
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