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公开(公告)号：US20190333065A1
公开(公告)日：2019-10-31
申请号：US16412032
申请日：2019-05-14
Applicant: First Data Corporation
Inventor： Jigar Desai , Francis Pavlik , Scott Sanchez , Scott Francis , Deneen Luxford , Eva Russo , Phillip Wiggins , Matthew Borenstein
Abstract: Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.
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公开(公告)号：US10956913B2
公开(公告)日：2021-03-23
申请号：US16412032
申请日：2019-05-14
Applicant: First Data Corporation
Inventor： Jigar Desai , Francis Pavlik , Scott Sanchez , Scott Francis , Deneen Luxford , Eva Russo , Phillip Wiggins , Matthew Borenstein
Abstract: Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.
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公开(公告)号：US10332119B2
公开(公告)日：2019-06-25
申请号：US14859149
申请日：2015-09-18
Applicant: First Data Corporation
Inventor： Jigar Desai , Francis Pavlik , Scott Sanchez , Scott Francis , Deneen Luxford , Eva Russo , Phillip Wiggins , Matthew Borenstein
Abstract: Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.
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