Capital One Services, LLC

The Clearing House Payments Company LLC

Peter Davey

Walter Avery Miller

Abhinav Agrawal

Angela Baber

Stephen Kent Ledford

Tammy Lynn Wilson

Methods, systems, and computer program products are provided for secure content exchange. A secure content exchange platform includes a content exchanger and exchange gateway interface. The content exchanger stores a content item and generates a globally unique identifier (GUID) associated with the content item. The exchange gateway interface receives a registration request for the content item from a sending financial institution system, submits the content item to the content exchanger, receives the GUID associated with the content item from the content exchanger, returns the GUID to the sending financial institution system as a response to the registration request, receives a retrieval request from a recipient financial institution system, retrieves the GUID from the retrieval request to submit the GUID to the content exchanger, receives the content item from the content exchanger, and returns the content item to the recipient financial institution system as a response to the retrieval request.

Systems, methods, and computer program product for content exchange services for payment networks

A method, system, apparatus, and computer program for conducting a real-time payment settlement transaction. The method receiving a request for endpoint data, and, in response to receiving the request, determining whether one or more directories, among a plurality of directories, can provide the endpoint data requested in the request. The method also includes identifying at least one directory, among the directories determined to be able to provide the endpoint data requested in the request, as a selection for providing the endpoint data, and obtaining the endpoint data from the at least one directory identified in the identifying. In one example embodiment, the endpoint data includes an account number of a payee account and a routing number of a payee entity. A payment message or a request for payment message can be routed using the obtained endpoint data.

Bill pay service with federated directory model support

A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. Upon receiving a request to provide cash redemption to a third party from a provider client terminal, the system may allocate an amount of cash to a temporary financial account and generate a temporary access code that may be used to access the cash in the temporary financial account. The system may transmit the temporary access code to a recipient client terminal and upon an ATM terminal's receipt of the input access code, the system may authorize the withdrawal of the amount of cash.

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Powhatan, VA, United States of America

Peter Davey