公开(公告)号：US20230101168A1

公开(公告)日：2023-03-30

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 ,  G06Q20/10 ,  G06Q20/02 ,  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：US20230123772A1

公开(公告)日：2023-04-20

申请号：US18068296

申请日：2022-12-19

申请人： Fidelity Information Services, LLC

发明人： Neil MARCOUS ,  Robert WOODBURY ,  Peter GORDON

IPC分类号： G06Q20/10 ,  G06Q20/40 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/38

摘要： Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and/or merchants are able to effect transaction requests against accounts, using a pseudo-Identifier or other identifier, and without the need to provide an account number or card number. In other embodiments, payment networks are able to route and process transaction requests against accounts, without having a card number or account number. In other embodiments, account processing systems are able to determine an appropriate account based on transaction requests that do not contain card numbers or account numbers.

公开(公告)号：US20240177134A1

公开(公告)日：2024-05-30

申请号：US18427766

申请日：2024-01-30

申请人： Fidelity Information Services, LLC

发明人： Hitesh BAJAJ ,  Douglas G. BROWN ,  Robert WOODBURY ,  Neil MARCOUS ,  Peter GORDON ,  Renee GOODHEART ,  Mark ELLIOTT

IPC分类号： G06Q20/32 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/38 ,  G07F19/00

CPC分类号： G06Q20/325 ,  G06Q20/02 ,  G06Q20/1085 ,  G06Q20/385 ,  G07F19/20

摘要： Systems and methods are provided for processing cardless financial transactions at transaction devices such as Automated Teller Machines. An example method comprises receiving a transaction request including at least one transaction parameter and receiving a substitute value representing an account for processing the transaction request. The substitute value is distinct from an account number associated with the account. The method further comprises sending the at least one transaction parameter and the substitute value to a payment network associated with the substitute value and completing the transaction request. A second method comprises receiving a transaction request with at least one transaction parameter and a substitute value. The second method further comprises determining account credentials associated with the substitute value using the account credentials.

公开(公告)号：US20240257117A1

公开(公告)日：2024-08-01

申请号：US18629005

申请日：2024-04-08

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.