Universal funding card and delayed assignment of a funding instrument for a financial transaction
US10296899B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 12, 2015 |
| Grant date | May 21, 2019 |
| Priority date | — |
| Expiry date | Aug 12, 2036 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/40
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A universal funding card and the delayed assignment of a funding instrument for a financial transaction are described herein. In one embodiment, a system for facilitating a financial transaction comprises a communications interface; a database storing data regarding a user and a plurality of funding instruments associated with that user; and a payment processing system configured to receive a request for payment authorization from a merchant via the communications interface, to authorize payment to the merchant prior to selection of a funding instrument, and after authorizing payment to the merchant, receive instructions regarding a funding instrument to debit for the payment.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.