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

IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q40/02

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.

公开(公告)号：US20160086160A1

公开(公告)日：2016-03-24

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

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/02

CPC classification number: G06Q20/405 ,  G06Q20/3223 ,  G06Q40/02

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.

Abstract translation: 移动设备的用户通过移动网关通信到交易处理系统。 交易处理系统管理用户的帐户，如借记卡帐户。 帐户包括与主帐户相关联或相关的每个用户和子帐户的主帐户。 资金可以在主账户与其相关联的子账户之间进行转账，包括自动资金转帐，当交易（例如，雇主的工资存款或指定零售商的借记交易）针对主账户进行，并符合已确定的某些参数 由用户 通过使用内部帐户ID而不是主帐户的帐号来访问链接的子帐户。

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

IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q40/02

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.

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

IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q40/02

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.