公开(公告)号：US11983708B2

公开(公告)日：2024-05-14

申请号：US18052902

申请日：2022-11-04

申请人： Fidelity Information Services, LLC

发明人： Peter Gordon ,  Neil Marcous ,  Robert Woodbury

IPC分类号： G06Q20/38 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/40

CPC分类号： G06Q20/3829 ,  G06Q20/023 ,  G06Q20/10 ,  G06Q20/40

摘要： 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.

公开(公告)号：US11526878B2

公开(公告)日：2022-12-13

申请号：US16695925

申请日：2019-11-26

申请人： Fidelity Information Services, LLC

发明人： Peter Gordon ,  Neil Marcous ,  Robert Woodbury

IPC分类号： G06Q20/10 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/02

摘要： 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.

公开(公告)号：US12079805B2

公开(公告)日：2024-09-03

申请号：US15931357

申请日：2020-05-13

申请人： Fidelity Information Services, LLC

发明人： Peter Gordon ,  Neil Marcous ,  Robert Woodbury

IPC分类号： G06Q20/38 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/40

CPC分类号： G06Q20/3829 ,  G06Q20/023 ,  G06Q20/10 ,  G06Q20/40

摘要： 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.