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公开(公告)号：US10949816B1
公开(公告)日：2021-03-16
申请号：US15374215
申请日：2016-12-09
发明人： Al Hecht , Ann Kirk , Michael Miller , Karen Moore , Melanie Gipe
摘要： A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real time relative to when the funds transfer information is initially received.
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公开(公告)号：US11854015B1
公开(公告)日：2023-12-26
申请号：US18103176
申请日：2023-01-30
发明人： Al Hecht , Ann Kirk , Michael Miller , Karen Moore , Melanie Gipe
CPC分类号： G06Q20/4016 , G06Q20/023 , G06Q20/042 , G06Q20/40
摘要： A computer-implemented method includes receiving a check deposit and a withdrawal request associated with an account of a customer where the account is associated with a first amount and where the withdrawal request comprises a second amount greater than the first amount, forwarding an inquiry message regarding the check deposit to a paying computing system where the inquiry message includes an identifier of the paying computing system that maintains an account of a payor in a paying database, determining real time account status information of the account of the payor where the real time account status information is based on accessing an organized data structure, and authorizing the withdrawal request for the second amount in real time relative to when the real time account status information is accessed where the authorization occurs prior to settlement of the check deposit.
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公开(公告)号：US20240127253A1
公开(公告)日：2024-04-18
申请号：US18391207
申请日：2023-12-20
发明人： Al Hecht , Ann Kirk , Michael Miller , Karen Moore , Melanie Gipe
CPC分类号： G06Q20/4016 , G06Q20/023 , G06Q20/042 , G06Q20/40
摘要： A computer-implemented method performed by a depository computing system includes receiving a check deposit and a withdrawal request associated with a customer account of a customer where the customer account is associated with a first amount and the withdrawal request comprises a second amount greater than the first amount, forwarding an inquiry message regarding the check deposit to a paying computing system, determining real time account status information of a payor account of a payor, and authorizing in real time relative to when the real time account status information is accessed, the withdrawal request for the second amount where the authorization occurs prior to settlement of the check deposit.
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公开(公告)号：US11151570B1
公开(公告)日：2021-10-19
申请号：US16714050
申请日：2019-12-13
发明人： Al Hecht , Ann Kirk , Michael Miller , Karen Moore , Melanie Gipe
摘要： A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real time relative to when the funds transfer information is initially received.
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公开(公告)号：US12125038B1
公开(公告)日：2024-10-22
申请号：US18103188
申请日：2023-01-30
发明人： Al Hecht , Ann Kirk , Michael Miller , Karen Moore , Melanie Gipe
CPC分类号： G06Q20/4016 , G06Q20/023 , G06Q20/042 , G06Q20/40
摘要： A computer-implemented method includes receiving, by a depository computing system, a check deposit for a first amount associated with a payee account of a payee, determining, by the depository computing system, the check deposit is an on-us transfer based on verifying that the payee account and a payor account of a payor are associated with a same financial institution, and posting, by the depository computing system in real time, the first amount to both the payee account and the payor account prior to settlement of the check deposit.
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公开(公告)号：US11568417B1
公开(公告)日：2023-01-31
申请号：US17504369
申请日：2021-10-18
发明人： Al Hecht , Ann Kirk , Michael Miller , Karen Moore , Melanie Gipe
摘要： A process includes receiving a check deposit and a withdrawal request associated with an account of a customer, the account associated with a first amount, the check deposit includes a second amount greater than the first amount, and the withdrawal request includes a third amount greater than the first amount. The process further includes forwarding, via an account verification system, an inquiry message regarding the check deposit to a paying computing system, the inquiry message including an identifier of the paying computing system, the inquiry message forwarded prior to settlement of the check deposit. The process further includes determining real time account status information of the account of the payor, and authorizing in real time relative to when the real time account status is accessed.
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公开(公告)号：US10515368B1
公开(公告)日：2019-12-24
申请号：US14496493
申请日：2014-09-25
发明人： Al Hecht , Ann Kirk , Michael Miller , Karen Moore , Melanie Gipe
摘要： A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real time relative to when the funds transfer information is initially received.
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