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1. 发明授权

US10535064B2 Systems and methods for real-time account access 有权
公开(公告)号：US10535064B2
公开(公告)日：2020-01-14
申请号：US14081590
申请日：2013-11-15
申请人： PayNet Payments Network, LLC
发明人： Peter Gordon , Neil Marcous , Robert Woodbury
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q20/10 , 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.

2. 发明申请

US20130246274A1 SYSTEMS AND METHODS FOR REAL-TIME ACCOUNT ACCESS 审中-公开
标题翻译：用于实时帐户访问的系统和方法
公开(公告)号：US20130246274A1
公开(公告)日：2013-09-19
申请号：US13835452
申请日：2013-03-15
申请人： PAYNET PAYMENTS NETWORK, LLC
发明人： Neil Marcous , Robert Woodbury , Peter Gordon
IPC分类号： G06Q20/10
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.
摘要翻译：用于实时帐户访问的系统和方法，允许通过网络处理基础设施（如电子转帐（EFT））访问帐户（如存款，信用或借记帐户）。在一些实施例中，消费者和/或商家能够使用伪标识符或其他标识符来实现针对帐户的交易请求，并且不需要提供帐号或卡号。在其他实施例中，支付网络能够路由和处理针对帐户的交易请求，而没有卡号或帐号。在其他实施例中，帐户处理系统能够基于不包含卡号或帐号的交易请求来确定适当的账户。

3. 发明授权

US11556907B2 Systems and methods for real-time account access 有权
公开(公告)号：US11556907B2
公开(公告)日：2023-01-17
申请号：US16715818
申请日：2019-12-16
申请人： PayNet Payments Network, 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.

4. 发明授权

US11562334B2 Systems and methods for real-time account access 有权
公开(公告)号：US11562334B2
公开(公告)日：2023-01-24
申请号：US15931564
申请日：2020-05-13
申请人： PayNet Payments Network, 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.

5. 发明申请

US20200097962A1 SYSTEMS AND METHODS FOR REAL-TIME ACCOUNT ACCESS 审中-公开
公开(公告)号：US20200097962A1
公开(公告)日：2020-03-26
申请号：US16695925
申请日：2019-11-26
申请人： PayNet Payments Network, LLC
发明人： Peter GORDON , Neil Marcous , Robert Woodbury
IPC分类号： G06Q20/38 , G06Q20/40 , G06Q20/02 , G06Q20/10
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.

6. 发明授权

US10552807B2 Systems and methods for real-time account access 有权
公开(公告)号：US10552807B2
公开(公告)日：2020-02-04
申请号：US13835452
申请日：2013-03-15
申请人： PayNet Payments Network, 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.

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