Systems and methods for real-time account access
US11983708B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 4, 2022 |
| Grant date | May 14, 2024 |
| Priority date | — |
| Expiry date | Nov 4, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/40
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.