PAYMENT NETWORK TRANSACTION SCHEDULER
    1.
    发明公开

    公开(公告)号:US20240249256A1

    公开(公告)日:2024-07-25

    申请号:US18101046

    申请日:2023-01-24

    IPC分类号: G06Q20/10 G06Q20/38

    CPC分类号: G06Q20/10 G06Q20/38

    摘要: Disclosed are various embodiments for implementing scheduled transactions within a payment network. A computing device first determines that a trigger has occurred for a scheduled transaction for a first payment network. Then, the computing device identifies a network identifier for the recipient and a participant identifier for a recipient of the scheduled transaction. Next, the computing device determines, based at least in part on the network identifier, that the recipient of the scheduled transaction is associated with a second payment network. Subsequently, the computing device generates a payment request representing the scheduled transaction, the payment request comprising the network identifier for the recipient and the participant identifier for the recipient. Then, the computing device forwards the payment request to a global transaction router of a supernetwork.

    Payment network transaction scheduler

    公开(公告)号:US12093909B2

    公开(公告)日:2024-09-17

    申请号:US18101046

    申请日:2023-01-24

    IPC分类号: G06Q20/10 G06Q20/38

    CPC分类号: G06Q20/10 G06Q20/38

    摘要: Disclosed are various embodiments for implementing scheduled transactions within a payment network. A computing device first determines that a trigger has occurred for a scheduled transaction for a first payment network. Then, the computing device identifies a network identifier for the recipient and a participant identifier for a recipient of the scheduled transaction. Next, the computing device determines, based at least in part on the network identifier, that the recipient of the scheduled transaction is associated with a second payment network. Subsequently, the computing device generates a payment request representing the scheduled transaction, the payment request comprising the network identifier for the recipient and the participant identifier for the recipient. Then, the computing device forwards the payment request to a global transaction router of a supernetwork.

    MULTIRAIL PAYMENT ACCOUNTS
    3.
    发明公开

    公开(公告)号:US20240249258A1

    公开(公告)日:2024-07-25

    申请号:US18100973

    申请日:2023-01-24

    IPC分类号: G06Q20/10 G06Q20/22

    CPC分类号: G06Q20/102 G06Q20/227

    摘要: Disclosed are various embodiments for providing multirail payment accounts. First, a payment instruction specifying at least a recipient of the payment and an amount of the payment can be received. Then, one or more payment policies applicable to the payment instruction can be identified. Next, the payment instruction can be funded according to the one or more payment policies. Subsequently, a payment request can be generated based at least in part on the payment instruction. Then, the payment request can be sent to a network hub.

    PAYMENT TRACKING SYSTEM FOR AN OVERLAY NETWORK FOR PAYMENT NETWORKS

    公开(公告)号:US20240257082A1

    公开(公告)日:2024-08-01

    申请号:US18101740

    申请日:2023-01-26

    IPC分类号: G06Q20/10 G06Q20/02

    CPC分类号: G06Q20/10 G06Q20/023

    摘要: Disclosed are various embodiments for facilitating payments between members of separate payment networks. At least one embodiment can send a payment request to a network hub connected to a supernetwork instance and linked to a first payment network, the payment request specifying an identifier for a recipient institution and an amount of the payment request. Then the embodiment can receive a payment response to the payment request indicating that the payment request is being forwarded to a global transaction router of the supernetwork instance, wherein the response to the payment request comprises at least a supernetwork tracking identifier. The embodiment can then send a tracking request to a transaction tracker service of the supernetwork instance, the tracking request comprising the supernetwork tracking identifier. Then the embodiment can receive a tracking response to the tracking request, the tracking response comprising various tracking information.

    OVERLAY NETWORK FOR REAL-TIME PAYMENT NETWORKS

    公开(公告)号:US20240220945A1

    公开(公告)日:2024-07-04

    申请号:US18091097

    申请日:2022-12-29

    IPC分类号: G06Q20/10

    CPC分类号: G06Q20/10

    摘要: Disclosed are various embodiments for facilitating payments between members of separate payment networks. A first instance of a supernetwork can receive a payment request from a source network hub connected to the first supernetwork instance and linked to a first payment network, the first payment request specifying an identifier for a recipient institution and an amount of the payment request. The first instance of the supernetwork can then query a participant status cache to identify a destination network hub linked to a second payment network associated with the recipient institution. Next, the first instance of the supernetwork can query a participant registry to identify a second supernetwork instance connected to the destination network hub. Finally, the first instance of the supernetwork can forward the payment request to a second global transaction router hosted by a second supernetwork instance connected to the destination network hub.