IP Library › Granted Patent US 12,511,627
Granted Patent B2
US 12,511,627 · App. 18/218,989 · Granted Dec 30, 2025

System and method for transferring funds

Inventors: Sri Muthu (San Francisco, CA); John Feldman (Matthews, NC); Esther Pigg (Duluth, GA); Jeffrey Cornman (San Francisco, CA); Alfonso McMillian (Charlotte, NC)
Assignee: EARLY WARNING SERVICES, LLC
G06Q20/10G06Q20/385G06Q20/405
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Quick Facts
Patent No.
US 12,511,627
App. No.
18/218,989
Granted
Dec 30, 2025
Kind
B2
Abstract

A computer-implemented method including receiving a request to facilitate a transfer of funds from a sender account of a sender at a sender financial institution to a recipient account of a recipient at a recipient financial institution. The request can include a public identifier for the recipient but not include an account number of the recipient account at the recipient financial institution. The method also can include determining, using an information directory, a private token for the recipient account based on the public identifier. The method additionally can include transmitting the private token of the recipient account to enable the transfer of the funds from the sender account to the recipient account. Other embodiments are disclosed.

Claims (37)

1 . A computer-implemented method comprising:

receiving a request to facilitate a transfer of funds from a sender account of a sender at a sender financial institution to a recipient account of a recipient at a recipient financial institution, the request comprising a public identifier for the recipient but not including an account number of the recipient account at the recipient financial institution;

determining, using an information directory, a private token for the recipient account based on the public identifier, wherein the private token (i) is embedded with information that identifies the recipient financial institution and (ii) is unknown to the sender and the recipient; and

transmitting the private token of the recipient account to enable the transfer of the funds from the sender account to the recipient account.

2 . The method of claim 1 , wherein the recipient financial institution uses the private token to determine the account number of the recipient account into which to deposit the transfer of the funds.

3 . The method of claim 1 , wherein the transfer of the funds is settled as part of an automated clearing house (ACH) network batch reconciliation after the recipient financial institution makes the funds available to the recipient account.

4 . The method of claim 1 , wherein the public identifier comprises a phone number of the recipient.

5 . The method of claim 1 , wherein the public identifier comprises an email address of the recipient.

6 . The method of claim 1 , wherein the information directory does not include the account number of the recipient account.

7 . The method of claim 1 , wherein:

the private token is a unique identifier for the recipient account across a plurality of financial institutions that are members of a computer-implemented funds transfer payment network; and

the computer-implemented funds transfer payment network comprises the sender financial institution and the recipient financial institution.

8 . A system comprising:

one or more processors; and

one or more computer-readable media comprising computing instructions that, when executed on the one or more processors, cause the one or more processors to perform operations comprising:

receiving a request to facilitate a transfer of funds from a sender account of a sender at a sender financial institution to a recipient account of a recipient at a recipient financial institution, the request comprising a public identifier for the recipient but not including an account number of the recipient account at the recipient financial institution;

determining, using an information directory, a private token for the recipient account based on the public identifier, wherein the private token (i) is embedded with information that identifies the recipient financial institution and (ii) is unknown to the sender and the recipient; and

transmitting the private token of the recipient account to enable the transfer of the funds from the sender account to the recipient account.

9 . The system of claim 8 , wherein the recipient financial institution uses the private token to determine the account number of the recipient account into which to deposit the transfer of the funds.

10 . The system of claim 8 , wherein the transfer of the funds is settled as part of an automated clearing house (ACH) network batch reconciliation after the recipient financial institution makes the funds available to the recipient account.

11 . The system of claim 8 , wherein the public identifier comprises a phone number of the recipient.

12 . The system of claim 8 , wherein the public identifier comprises an email address of the recipient.

13 . The system of claim 8 , wherein the information directory does not include the account number of the recipient account.

14 . The system of claim 8 , wherein:

the private token is a unique identifier for the recipient account across a plurality of financial institutions that are members of a computer-implemented funds transfer payment network; and

the computer-implemented funds transfer payment network comprises the sender financial institution and the recipient financial institution.

15 . One or more non-transitory computer readable media comprising computing instructions that, when executed on one or more processors, cause the one or more processors to perform operations comprising:

receiving a request to facilitate a transfer of funds from a sender account of a sender at a sender financial institution to a recipient account of a recipient at a recipient financial institution, the request comprising a public identifier for the recipient but not including an account number of the recipient account at the recipient financial institution;

determining, using an information directory, a private token for the recipient account based on the public identifier, wherein the private token (i) is embedded with information that identifies the recipient financial institution and (ii) is unknown to the sender and the recipient; and

transmitting the private token of the recipient account to enable the transfer of the funds from the sender account to the recipient account.

16 . The one or more non-transitory computer readable media of claim 15 , wherein the recipient financial institution uses the private token to determine the account number of the recipient account into which to deposit the transfer of the funds.

17 . The one or more non-transitory computer readable media of claim 15 , wherein the transfer of the funds is settled as part of an automated clearing house (ACH) network batch reconciliation after the recipient financial institution makes the funds available to the recipient account.

18 . The one or more non-transitory computer readable media of claim 15 , wherein the public identifier comprises a phone number or an email address of the recipient.

19 . The one or more non-transitory computer readable media of claim 15 , wherein the information directory does not include the account number of the recipient account.

20 . The one or more non-transitory computer readable media of claim 15 , wherein:

the private token is a unique identifier for the recipient account across a plurality of financial institutions that are members of a computer-implemented funds transfer payment network; and

the computer-implemented funds transfer payment network comprises the sender financial institution and the recipient financial institution.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 7, 2023
From: MUTHU, SRI SARAVANA; FELDMAN, JOHN G.; PIGG, ESTHER; CORNMAN, JEFFREY; MCMILLIAN, ALFONSO
To: CLEARXCHANGE, LLC
Reel/Frame 064189/0061 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 7, 2023
From: CLEARXCHANGE, LLC
To: EARLY WARNING SERVICES, LLC
Reel/Frame 064189/0149 →
Continuity (6)
Continuation 17734697 · May 2, 2022
Continuation 16551621 · Aug 26, 2019
Continuation 13782587 · Mar 1, 2013
Provisional Application 61657339 · Jun 8, 2012
Provisional Application 61607882 · Mar 7, 2012
Related Publication 20230351345A1 · Nov 2, 2023
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