The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 30, 2020
Filed:
Jun. 26, 2017
Wells Fargo Bank, N.a., San Francisco, CA (US);
Jal Daruwalla, Chatham, NJ (US);
Phillip H. Griffin, Raleigh, NC (US);
Ashia D. Kennon, Aston, PA (US);
Michael Knorr, Fairfield, CT (US);
Lynnel J. Kresse, Ruskin, FL (US);
Catherine Wangari Mwangi, Hackensack, NJ (US);
Joanne Strobel-Cort, Summit, NJ (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A system, method, and apparatus for providing a value transfer is provided. A method includes creating, by a mobile device, a value transfer message, the message including terms of a value transfer from an account of a sending party to a receiving party or one or more merchants; signcrypting, by the mobile device, the value transfer message using each of the receiving party's public key and the sending party's public and private keys; and sending, by the mobile device, the signcrypted value transfer message to the receiving party, wherein the receiving party can de-signcrypt the signcrypted value transfer message using each of the receiving party's public and private keys and the sending party's public key, and present the value transfer message to a third party to receive the value transfer.